Ibicuruzwa byinshi - AAA Inguzanyo Atari QM Byoroshye Umutungo wujuje ibyangombwa gusa - ATR-Yuzuye - Inguzanyo ya AAA hamwe numushoramari

Ibicuruzwa birambuye

Guhanga udushya biri muri ADN yacu. Turakomeza gushakisha uburyo bwo kuzamura uburambe bwinguzanyo kubakiriya bacu. Ibikorwa byacu bigezweho byo gusaba kumurongo, gucunga neza inyandiko, hamwe nuburyo bwitumanaho rya digitale bitanga urugendo rwinguzanyo, rudafite impapuro. Hamwe ninguzanyo ya AAA, urashobora kwitega uburambe bugezweho, bukora neza, kandi bwizewe bwo gutanga inguzanyo kugendana nisi yihuta yikoranabuhanga. Ibyoroshye n'umutekano wawe nibyo byingenzi kuri twe.Inguzanyo ya Broker Uruhushya Californiya,Umutungo Winjiza,Minnesota Mortgage Broker Cyangwa Utanga, Ku bijyanye no guhaza abakiriya, ntabwo twujuje ibyateganijwe gusa; turabarenze. Ikipe yacu yiyemeje gutanga inkunga ntagereranywa murugendo rwawe rwinguzanyo. Dushiraho abashinzwe gutanga inguzanyo babigenewe kandi bitonze, tukemeza ko ubona ubufasha bwihariye kuva iperereza ryambere kugeza kumeza yo gusoza. Twizera ko iyo tugenda ibirometero byinshi kandi tugatanga serivisi zidasanzwe, ntabwo dukurura gusa ahubwo tunagumana abakiriya banyuzwe batubera abavugizi bacu bakomeye.

- Inguzanyo ya AAA Atari QM Byoroshye Umutungo wujuje ibyangombwa gusa - ATR-Yuzuye - Inguzanyo ya AAA Ibisobanuro:

Amazina-9

Incamake

Porogaramu y'umutungo uzwi cyane. Uwagurijwe afite umubare munini w'amafaranga, ashobora kwishyura igiciro cyubuguzi cyangwa amafaranga yinguzanyo hamwe nigiciro cyo gufunga. Nta makuru y'akazi; Nta DTI.

Ibisobanuro

1) Kugera kuri 75% LTV;
2) Amafaranga agera kuri $ 4M y'inguzanyo;
3) Inzu y'ibanze gusa;
4) Nta karimbi ku mubare wumutungo uterwa inkunga;
5) Nibura byibuze amezi 6 yabikijwe mumafaranga uwagurijwe.

Iyi gahunda niyihe?

Gahunda ya ATR-Yuzuye nayo ni gahunda yumutungo, yujuje umutungo gusa. Guhitamo neza kwinguzanyo zitari QM.
Inguzanyo ya AAA ntabwo izabara DTI kubasabye bujuje ibisabwa mu kwerekana Umutungo gusa (“ATR-Yuzuye”). Muburyo bwa tekinike, amafaranga yose yinjiza cyangwa akazi byashyizwe kumurongo mubisabwa bizafatwa nkibirenze kubandika kandi, nkubundi buryo, birashobora gusigara ari ubusa. Niba akazi ninjiza bihagarariwe kubisaba, DTI ntigomba kubarwa

Nigute ushobora kumenya niba ushobora gutunga umutungo wujuje iyi gahunda?

Hano hariburyo bwo kubara:
Ku nguzanyo yo kugura assets umutungo wose wemewe ugomba guhuza igiciro cyubuguzi hiyongereyeho nibiciro byose byo gufunga.
Umutungo> = Kugura igiciro + igiciro cyose cyo gufunga
Ku nguzanyo yinguzanyo assets umutungo wose wemewe ugomba guhuza amafaranga yinguzanyo yose hamwe nogusoza amafaranga.
Umutungo> = Amafaranga y'inguzanyo + igiciro cyo gufunga

Reba hepfo ibyangombwa bisabwa, urashobora kwifashisha uburyo bwo kubara kugirango urebe niba ushobora kuzuza ibisabwa mbere yo gusaba inguzanyo hamwe nabaguriza:

Urugero rwa 1: Kugura igiciro wongeyeho ikiguzi cyo gufunga = $ 768.500. Umutungo uboneka = $ 700,000 (kuzigama) wongeyeho $ 45,000 (50% ya IRA) = $ 748,000. Muri make $ 20.500. Niba uwagurijwe afite imyaka 59.5 cyangwa irenga, umutungo wujuje ibisabwa waba $ 700,000 + $ 54.000 (60% ya IRA) = $ 754.000 naho mugufi na 14.500 $.

Urugero rwa 2: Amafaranga y'inguzanyo hiyongereyeho amafaranga yo gufunga = $ 518.500. Umutungo uboneka = $ 370.000 (kuzigama) + 100.000 $ (50% ya IRA) = $ 470.000. Mugihe gito $ 48.500. Niba 59.5 cyangwa irenga, umutungo wujuje ibyangombwa = $ 370.000 + $ 120.000 (60% ya IRA) = $ 490.000 naho mugufi na 28.500.

Ni ubuhe buryo bujuje ibisabwa muri iyi gahunda？

Amafaranga, ububiko, ingwate n'umutungo bwite (nta mutungo) = 100%
Konti yizabukuru = 50% niba 59 cyangwa muto na 60% niba ikuze
Nta kigega cy'ubucuruzi

Ni izihe nyungu?

Min. Amezi 6

Ibicuruzwa birambuye:

Ibicuruzwa bifitanye isano:

Gutegura ejo hazaza h'amafaranga utangirana numufatanyabikorwa ukwiye, kandi kuri AAA LENDINGS, twiyemeje kugufasha kugera kuntego zawe. Twumva ko urugendo rugana nyiri urugo rushobora gushimisha ariko nanone rutoroshye. Abanyamwuga bacu bamenyereye ntabwo ari inzobere mu gutanga inguzanyo gusa; ni abafatanyabikorwa bawe. Barahari kugirango baganire ku ntego zawe, gusuzuma uko ubukungu bwifashe, no gutanga ubuyobozi bwihariye bugushimisha. Twishimiye kuba ukuboko kukuyobora kuguha imbaraga zo gufata ibyemezo byuzuye kubyerekeye ejo hazaza hawe. - Inguzanyo za AAA Non-QM Byoroshye Umutungo wujuje ibyangombwa gusa - ATR-Yuzuye - Inguzanyo ya AAA, Ibicuruzwa bizatanga ku isi yose, nka: Venezuwela, Suriname, Benin, Buri gihe dushimangira ko imicungire yubuziranenge ari iyambere, Ikoranabuhanga ni ishingiro, Kuba inyangamugayo no guhanga udushya.

-AAA Inguzanyo