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

Ibicuruzwa birambuye

KUGURISHA AAA, twizera gusubiza abakiriya bacu bafite agaciro. Niyo mpamvu dutanga gahunda yubudahemuka iguhembera ikizere cyawe nubufatanye bukomeje natwe. Gahunda yacu yo kwizerwa yagenewe gukomeza gusezerana no gushimwa, itanga inyungu zidasanzwe hamwe nigabanywa kubakiriya bacu bagarutse. Ubwitange bwawe kuri AAA LENDINGS buramenyekana kandi burahembwa, kandi duharanira gukomeza inyungu zawe muri serivisi zacu uburambe.Inguzanyo,Inguzanyo zinguzanyo Dallas Tx,Inguzanyo y'intoki, Twizera guha imbaraga abakiriya bacu binyuze mubumenyi. Muri AAA LENDINGS, dutanga ibikoresho byinshi nibikoresho byuburezi kugirango twerekane isi yinguzanyo. Kuva ku ngingo nuyobora kurubuga rwacu kugeza kurubuga rwamakuru, turemeza ko ushobora kubona amakuru ukeneye kugirango ufate ibyemezo byuzuye kubyerekeye inkunga y'urugo. Urugendo rwawe kuri nyiri urugo rugomba kuba rumwe rwicyizere, kandi turi hano kugirango dutange ubumenyi kugirango ibyo bibe impamo.

- 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:

Igihe cyawe ni icy'agaciro, kandi turabyubaha. Ku nguzanyo ya AAA, twiyemeje kunonosora inzira yinguzanyo kugirango tubone umwanya n'imbaraga. Porogaramu yacu kumurongo irashimisha abakoresha kandi yateguwe muburyo bworoshye. Urashobora kurangiza gusaba kumuvuduko wawe, uhereye kumurugo wawe cyangwa mubiro. Turabizi ko ufite ubuzima buhuze, kandi tugamije gukora inzira yinguzanyo ishishikaje, ikora neza, kandi igatwara igihe. - Inguzanyo ya AAA Gahunda idashimishije QM - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Slowakiya, Muscat, Cancun, Abakozi bacu bakize muburambe kandi bafite amahugurwa akomeye, bafite ubumenyi bwujuje ubuziranenge, hamwe ningufu kandi bahora bubaha abakiriya babo nkumwanya wa mbere, kandi basezeranya gukora ibyiza byabo kubakiriya babo. Isosiyete yitondera kubungabunga no guteza imbere umubano w’ubufatanye burambye n’abakiriya. Turasezeranye, nkumufatanyabikorwa wawe mwiza, tuzateza imbere ejo hazaza heza kandi tunezeze imbuto zishimishije hamwe nawe, hamwe nishyaka ridashira, imbaraga zidashira numwuka wimbere.

-AAA Inguzanyo