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

Ibicuruzwa birambuye

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 b'inararibonye ntibarenze inzobere mu gutanga inguzanyo; 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.Umwuga wo gutanga inguzanyo,Umutungo utimukanwa,Inguzanyo y'inguzanyo Greensboro Nc, Duha agaciro umwanya wawe, kandi twumva ko gahunda yawe idashobora guhora ijyanye namasaha yakazi. Niyo mpamvu inkunga y'abakiriya bacu iraboneka kurenza idirishya 9-kuri-5. Waba ufite ibibazo nimugoroba cyangwa muri wikendi, turi hano kugirango dutange ubufasha. Amasaha menshi yo gutera inkunga agamije guhuza abakiriya twerekana ko twiyemeje kuhaba mugihe udukeneye cyane. Ibyoroshye byawe nibyo dushyize imbere, kandi turi hano kugirango dukore urugendo rwinguzanyo nkuko bikurura kandi nta kibazo kirimo.

- 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 b'inararibonye ntibarenze inzobere mu gutanga inguzanyo; 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. - AAA Inguzanyo zitari QM Gahunda ishimishije - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Monaco, Cairo, Amerika, Hamwe niterambere ryumuryango nubukungu, isosiyete yacu izakomeza ubudahemuka, ubwitange, imikorere, umwuka wo guhanga udushya, kandi tuzahora twubahiriza abakiriya bayobora imitima ya zahabu, ntabwo tuzahora dukurikiza ibitekerezo byubuyobozi bwumushinga. Tuzakorera abacuruzi bo murugo no mumahanga twitanze tubikuye ku mutima, kandi reka dushyireho ejo hazaza heza hamwe nawe!

-AAA Inguzanyo