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

Ibicuruzwa birambuye

Gukorera mu mucyo nibyo shingiro ryibikorwa byacu. Twishimiye itumanaho ryeruye kandi rinyangamugayo hamwe nabakiriya bacu. Ntamafaranga yihishe, ntagitangaje. Dutanga amakuru asobanutse, ataziguye kubyerekeye amahitamo yawe yinguzanyo, turemeza ko ufite amakuru yose yo gufata ibyemezo byuzuye. Intego yacu nukubaka ikizere hamwe nabakiriya bacu muburyo bweruye kandi buboneye, bigatuma uburambe bwamafaranga yo murugo byoroha bishoboka.Umukoresha wa mbere w'inguzanyo 2020,Inguzanyo isanzwe,Isuzuma ry'inguzanyo isanzwe, Ikidutandukanya nuburyo bwacu bwihariye bwo gutanga inguzanyo, bitandukanye nuburyo bumwe-bumwe-bukoreshwa nabandi benshi. Dutanga ibisubizo byihariye kubikenewe byihariye bya buri mukiriya ku giti cye, twizera tudashidikanya ko inguzanyo zose zishoboka. Hamwe n'inguzanyo ya AAA, intego zawe zamafaranga ziba izacu, kandi hamwe, turabikora.

- 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:

KUGURIZA AAA ntabwo gutanga inguzanyo gusa; turi umufatanyabikorwa wawe wubukungu. Dufata umwanya wo kumva intego zawe zamafaranga nibyifuzo byawe, dutanga ubuyobozi burenze inzira yo gusaba. Ibyo twiyemeje mu mibereho yawe y’amafaranga birenze kure cyane guhagarika amasezerano, kandi twiyemeje kugufasha kugera ku ntego zawe z'igihe kirekire, zaba nyir'amazu, ishoramari ry’imitungo itimukanwa, cyangwa guhuriza hamwe imyenda. - Inguzanyo za AAA Gahunda Zidashimishije QM - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Seattle, Koweti, Chili, Dukurikiza amahame yubuyobozi bufite ireme, Serivise irakomeye, Icyubahiro nicyambere, kandi tuzarema tubikuye ku mutima kandi dusangire intsinzi nabakiriya bose. Turakwishimiye kutwandikira kubindi bisobanuro kandi dutegereje gukorana nawe.

-AAA Inguzanyo

Ibikoresho byuruganda byateye imbere muruganda kandi ibicuruzwa nibikorwa byiza, byongeye kandi igiciro gihenze cyane, agaciro kumafaranga!
Inyenyeri 5

Na Ruby wo muri Victoria - 2017.09.30 16:36

Ubwiza bwiza kandi bwihuse, nibyiza cyane. Ibicuruzwa bimwe bifite ikibazo gito, ariko uwabitanze yasimbuye mugihe, muri rusange, turanyuzwe.
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Na Marcy Real ukomoka mu Buholandi - 2017.12.09 14:01