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Ikigo cyibicuruzwa

Ibicuruzwa birambuye

Mugihe abatanga inguzanyo benshi bafite aho bagarukira, dukomeje kwagura ibikorwa byacu muri leta zitandukanye, dukorera abahawe inguzanyo muri leta 45, harimo amwe mumasoko akomeye nka California na Texas. Kugera kwacu kwagutse kudufasha gusobanukirwa no guhuza n'imiterere y'akarere, tukareba ko abakiriya bacu bo muri leta zitandukanye bahabwa inkunga yaho mugihe bagifite inyungu kubumenyi bwigihugu cyacu.Umunyamahanga Utanga Inguzanyo,Inguzanyo zinguzanyo zinguzanyo mbi,Inguzanyo ya Dbo, KUGURISHA AAA, twizera ko gutunga amazu bigomba kuba ibintu bishimishije kandi byuzuye. Kugirango ushishikarire kandi ushimishe mururwo rugendo, turatanga uburyo bwihariye kubaturage ba nyiri urugo. Ihuze nabandi munzira imwe, dusangire ubunararibonye, ​​kandi uvumbure ubushishozi bwingenzi kugirango urugendo rwa nyiri urugo rwawe rugushishikaze kandi rugahuza. Inzu yawe ntabwo ari umutungo gusa; ni umuganda nubuzima, kandi turi hano kugirango urwo rugendo rurusheho gushimisha.
- Inguzanyo ya AAA Gahunda ya QM idashimishije - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA Ibisobanuro:

Amazina-8

Incamake

Diamond Jumbo, kubaguriza badashobora gukora Non-Agency Jumbo. Umubare w'inguzanyo nyinshi / DTI Yisumbuye / LTV Yisumbuye / Imitungo itagira imipaka.

Ibisobanuro

1) Max DTI 55%;
2) Amafaranga agera kuri $ 4M y'inguzanyo;
3) LTV igera kuri 90%;
4) Nta MI (Ubwishingizi bw'inguzanyo);
5) amanota 660 cyangwa arenga;
6) kubika amezi 6 cyangwa arenga;
7) Umusoro wumwaka 1 urahari.

Iyi gahunda niyihe?

Wigeze uhura hepfo yikibazo?
• Utanga inguzanyo ntashobora kwemerera amafaranga yinguzanyo yawe menshi?
• Ntushobora kugera kuri LTV ndende ushaka?
• Ntidushobora gutanga inguzanyo ya jumbo idashobora kuguha inguzanyo-amafaranga?
• Ese uwaguhaye inguzanyo yagusabye kugura MI (Ubwishingizi bwa Mortgage)?
Niba warigeze guhura nibi bintu biteye isoni, noneho nta mpungenge. Abadatanga QM nabo bafite gahunda nkizo, zisa ninguzanyo zinzego. Nyamara, abatari QM batanga hamwe na {Inyandiko zuzuye product ibicuruzwa byinguzanyo bifite aho bigarukira cyane kuruta ibicuruzwa byinguzanyo byuzuye. Ufite amahitamo meza ubu. Ingingo imwe y'ingenzi ushobora kwitaho ni: Urashobora gusaba iyi gahunda gusa niba udashoboye kuzuza inguzanyo ya FNMA cyangwa FHMLC.

Ni irihe tandukaniro ryiyi Porogaramu Yuzuye itari QM hamwe na progaramu yuzuye yujuje ibisabwa?

Muri rusange, benshi mubasabye barashobora gusaba inguzanyo isanzwe ya Jumbo hagamijwe amafaranga menshi yinguzanyo. Ariko, mubyatubayeho, gahunda isanzwe ya Jumbo ntabwo yoroshye kuyifunga. Porogaramu yagabanije ibisabwa kuruta inguzanyo zinzego, kandi ifite igihe kinini.

Ariko, mubihe bimwe, abasaba ntibashobora kwemererwa cyangwa gukomeza gahunda isanzwe ya Jumbo, kubwibyo bashobora gukora gusa ibicuruzwa bitari QM, kugirango bahaze intego zabo, nkamafaranga menshi yinguzanyo / Cash-out / LTV / Amanota yinguzanyo, nibindi.

Inyandiko zacu zitari QM zuzuye ziraboneka kubaguriza bafite inguzanyo ya jumbo hamwe ninguzanyo zihuza zitarenze ibipimo byinguzanyo zujuje ibyangombwa. Inguzanyo muri iyi gahunda ntigomba kwemererwa kugurishwa mu kigo icyo ari cyo cyose cya Leta.

Ni izihe nyungu?

Nyuma yo gusoma amagambo yavuzwe haruguru, dore incamake yinyungu zamakuru yawe:

Umubare munini w'inguzanyo, urenze inguzanyo z'ikigo;
Umubare munini wa DTI, imipaka ntarengwa;
Nta MI (Ubwishingizi bw'inguzanyo) ikenewe;
Kureka amafaranga biremewe;
LTV ndende, irenze inguzanyo zinzego.

Ibicuruzwa birambuye:

- Inguzanyo ya AAA Ntabwo QM Gahunda ishimishije - Diamond Jumbo (Bisa ninguzanyo isanzwe) - AAA Inguzanyo zirambuye amashusho

Ibicuruzwa bifitanye isano:
Inzozi zo gutunga amazu ntizagarukira kubaguzi gakondo. Muri AAA LENDINGS, dufite gahunda zihariye zo kwita kubatiza inguzanyo gakondo. Niba wikorera wenyine, ufite amafaranga yinjiza, cyangwa uhura nubukungu budasanzwe, amahitamo yinguzanyo arashobora gufata inyungu zawe. Twakiriye neza muburyo butandukanye mubaguriza kandi dushakisha byimazeyo ibisubizo bishya byinguzanyo, turebe ko urugendo rwawe kuri nyiri urugo rukomeza kuba rwiza, tutitaye kubibazo byubukungu. - Inguzanyo ya AAA Gahunda idashimishije QM - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Rotterdam, Afurika yepfo, Qatar, Dushimangiye imicungire yumurongo wo murwego rwohejuru hamwe nubufasha bwinzobere kubakiriya, ubu twateguye icyemezo cyo guha abaguzi bacu dukoresheje gutangira kubona uburambe hamwe na serivisi nyuma yo kubona serivisi. Gukomeza umubano wubucuti wiganjemo nabaguzi bacu, icyakora dushya ibisubizo byurutonde rwibihe byose kugirango duhuze ibyifuzo bishya kandi twubahirize iterambere rigezweho ryisoko muri Malta. Twiteguye guhangana n'impungenge no gukora ibishoboka byose kugirango twumve ibishoboka byose mubucuruzi mpuzamahanga.
    • Iyi sosiyete ifite igitekerezo cyiza cyiza, igiciro cyo gutunganya kiri hasi, ibiciro birumvikana, kuburyo bifite ubuziranenge bwibicuruzwa nibiciro, niyo mpamvu nyamukuru twahisemo gufatanya.
    Inyenyeri 5Na Yohana wo muri Jeworujiya - 2017.11.12 12:31
    Uru ruganda mu nganda rurakomeye kandi ruhatana, rutera imbere hamwe niterambere kandi rurambye, twishimiye cyane kubona amahirwe yo gufatanya!
    Inyenyeri 5Na Alex wo muri Bangalore - 2017.02.28 14:19

    Bifitanye isanoIBICURUZWA

    Kanda enter kugirango ushakishe cyangwa ESC kugirango ufunge