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.Inguzanyo ya Broker cyangwa Banki,Igipimo cy'inguzanyo gisanzwe,Gereranya igipimo cya Mortgae, Twumva ko guhitamo uwatanze inguzanyo ari icyemezo gikomeye. Kugirango tugufashe guhuza na AAA LENDINGS, turatanga inama nta kibazo, nta-nshingano hamwe nabashinzwe inguzanyo zinzobere. Uku gukoraho kugiti cyawe kugufasha kubona ibyiyumvo byacu no kubaza ibibazo byose waba ufite. Dushishikajwe no kwifatanya nawe, gusobanukirwa intego zawe, no gutanga ubushishozi bwagaciro, byose mubiganiro byoroheje kandi bitanga amakuru.

- 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:

Kuri benshi mubakiriya bacu, inguzanyo irenze kugurisha amafaranga gusa; ni intambwe ikomeye y'ubuzima. Waba uri ubwa mbere ugura urugo cyangwa umushoramari utimukanwa ufite uburambe, twegereye buri porogaramu nitonze kandi ikwiye. Dufata umwanya wo gusobanukirwa intego zawe n'ibyifuzo byawe, tukemeza ko inguzanyo yawe ihuye nicyerekezo cyawe cy'ejo hazaza. - AAA Inguzanyo zitari QM Gahunda ishimishije - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Qatar, Luxemburg, Bangladesh, Dushimangira imiyoborere myiza yumurongo wo murwego rwohejuru hamwe nuyobora ibyerekezo bitanga isoko, twafashe icyemezo cyo gutanga abaguzi dukoresheje ubunararibonye bwo kugura ibyiciro kandi bidatinze nyuma yo gutanga isoko. Kuzigama umubano wiganje hamwe nibyifuzo byacu, ndetse ubu dushyashya urutonde rwibicuruzwa byacu umwanya munini wo guhura nibyifuzo bishya kandi tugakurikiza inzira zigezweho zubucuruzi i Ahmedabad. Twiteguye guhangana n'ibibazo byo guhangana no gukora impinduka kugirango dushobore kumenya byinshi bishoboka mubucuruzi mpuzamahanga.

-AAA Inguzanyo