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

Ibicuruzwa birambuye

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.Ubwoko bw'inguzanyo ziciriritse,Arizona Mortgage Broker Cyangwa Utanga,Umwanditsi mwiza wa desktop, KUGURISHA AAA, ibyo twiyemeje kuba indashyikirwa bigera no ku ikipe yacu. Twishimiye kuba dufite itsinda ryabakozi babigize umwuga ninzobere mu nguzanyo zinguzanyo. Abashinzwe inguzanyo ntabwo ari abahanga gusa; ni inshuti zawe. Barahari kugirango bakuyobore muburyo bwose bwo gutanga inguzanyo, kuva gusaba kugeza gufunga. Twishimiye ubuhanga bw'ikipe yacu, tukemeza ko wakiriye urwego rwo hejuru rwa serivisi n'inkunga.

- 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 ya AAA Gahunda idashimishije QM - Diamond Jumbo (Bisa ninguzanyo isanzwe) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Afurika yepfo, Arumeniya, Chicago, injeniyeri yujuje ibyangombwa R&D irashobora kuba ihari kugirango ubone serivisi zawe kandi tuzagerageza uko dushoboye kugira ngo twuzuze ibyo usabwa. Ukwiye rero kumva udashaka kutubaza. Uzashobora kutwoherereza imeri cyangwa kuduhamagarira ubucuruzi buciriritse. Ubundi urashobora kuza mubucuruzi bwacu wenyine kugirango urusheho kutumenya. Tugiye rwose kubagezaho amagambo meza yatanzwe na serivisi nyuma yo kugurisha. Twiteguye kubaka umubano uhamye kandi wubucuti nabacuruzi bacu. Kugirango tugere ku ntsinzi, tuzakora ibishoboka byose kugirango twubake ubufatanye bukomeye hamwe nakazi ko gutumanaho mucyo hamwe nabagenzi bacu. Ikirenze byose, turi hano kugirango twakire ibibazo byawe kubicuruzwa na serivisi byacu.

-AAA Inguzanyo

Utanga isoko yubahiriza inyigisho yubuziranenge shingiro, wizere uwambere nubuyobozi byateye imbere kugirango bashobore kwemeza ibicuruzwa byizewe kandi byabakiriya bahamye.
Inyenyeri 5

Na David wo muri Amerika - 2017.08.15 12:36

Abayobozi bafite icyerekezo, bafite igitekerezo cyo kunguka inyungu, guhora dutezimbere no guhanga udushya, dufite ikiganiro gishimishije nubufatanye.
Inyenyeri 5

Na Lee ukomoka muri Arabiya Sawudite - 2018.12.25 12:43