Ibicuruzwa byinshi - AAA Inguzanyo zitari QM Gahunda ishimishije - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA hamwe numushoramari

Ibicuruzwa birambuye

Mwisi yinguzanyo zinguzanyo, kugerwaho ningenzi. Ihuriro ryinguzanyo ya digitale yateguwe muburyo bworoshye. Urashobora gusaba inguzanyo, kohereza inyandiko, no gukurikirana iterambere ryinguzanyo kumurongo, byose uhereye kumurugo wawe. Twashizeho ubunararibonye bwa digitale igushira kugenzura, ukemeza ko ushobora gucunga ibyifuzo byawe byinguzanyo kumuvuduko wawe, 24/7.Atr-Byuzuye,Inguzanyo ya Broker Mbere yo Kwemererwa,Abatanga Inguzanyo Zambere Kumurongo wa 2021, KUGURIZA AAA, dukora twizera tudashidikanya ko 'Nta nguzanyo idashoboka.' Iyi myizerere ni imbaraga zitera ibikorwa byacu kandi bikubiye mu nteruro yacu, Bashoboye gufasha, Buri gihe. Ikubiyemo ibintu nyabyo biranga AAA yacu. Twese tuzi ko abakiriya batandukanye hamwe nuburyo butandukanye bwo gutanga inguzanyo bisaba ibisubizo byihariye, kandi twiteguye kubitanga.

- 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:

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 ya AAA Gahunda idashimishije QM - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA, Ibicuruzwa bizatanga ku isi yose, nka: Ositaraliya, Iraki, Berezile, Ibintu byacu bizwi cyane kandi byizewe nabakoresha kandi birashobora guhora bikenera guhinduka mubukungu no mubukungu. Twakiriye neza abakiriya bashya nabakera baturutse imihanda yose kugirango batubwire umubano wubucuruzi hamwe no gutsinda!

-AAA Inguzanyo

Iyi sosiyete irashobora kuba nziza kugirango ihuze ibyo dukeneye ku bwinshi bwibicuruzwa nigihe cyo gutanga, bityo duhora tubihitamo mugihe dufite ibisabwa byamasoko.
Inyenyeri 5