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

Ibicuruzwa birambuye

Ibyo twiyemeje kuba indashyikirwa no kwitangira abakiriya bacu byaduteye kwagura ibikorwa byacu muri leta 45, nka Arizona, California, Washington DC, Florida, Nevada, na Texas, n'ibindi. Ariko, intsinzi yacu ntabwo isobanurwa numubare gusa. Isubiramo ritabarika ryiza hamwe nijambo rikomeye kumunwa twabonye twabonye nk'ikimenyetso cyo kwizerana n'icyizere isoko ryadushizemo.Umunyamahanga Utanga Inguzanyo,Inguzanyo z’amahanga,Inguzanyo idasanzwe hamwe ninguzanyo mbi, Twumva ko ibibazo byamafaranga bishobora kuvuka muburyo butunguranye, kandi turi hano kugirango dutange ibisubizo mugihe ubikeneye cyane. Usibye ibicuruzwa gakondo byinguzanyo, AAA LENDINGS itanga gahunda zinguzanyo zingirakamaro zijyanye nubukungu budasanzwe. Waba ufite amanota yinguzanyo atarenze-yuzuye, wikorera wenyine, cyangwa ufite amasoko adasanzwe yinjiza, dufite amahitamo yinguzanyo yagenewe guhuza ibyo ukeneye.

- 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:

Ibyo twiyemeje gukorera mu mucyo birenze ibyiciro byambere byinguzanyo. Turemeza ko wunvise neza amasezerano yinguzanyo yawe, harimo igipimo cyinyungu, amafaranga, nigiciro cyo gufunga. Ntibitangaje kumunsi wo gusoza. Twiyemeje kuguha ibisobanuro bitaziguye, bidafite jargon, kuburyo ushobora kwizera neza kugendana namafaranga yo kugura inzu cyangwa gutunganywa. - Inguzanyo za AAA Gahunda Zidashimishije QM - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Malawi, Malawi, Adelaide, Noneho, duha ubuhanga abakiriya ibicuruzwa byacu byingenzi Kandi ubucuruzi bwacu ntabwo ari kugura no kugurisha gusa, ahubwo tunibanda kuri byinshi. Dufite intego yo kuba abaguzi bawe b'indahemuka hamwe nabafatanyabikorwa b'igihe kirekire mu Bushinwa. Noneho, Turizera kuba inshuti nawe.

-AAA Inguzanyo

Ibicuruzwa byikigo birashobora guhaza ibyo dukeneye bitandukanye, kandi igiciro kirahendutse, icyingenzi nuko ubwiza nabwo ari bwiza cyane.
Inyenyeri 5