Igurisha - Gahunda ya AAA Inguzanyo ya Portfolio - Utanga inguzanyo ya AAA numushoramari

Ibicuruzwa birambuye

Ibyo twiyemeje kuba indashyikirwa no kwitangira abakiriya bacu byaduteye kwagura ibikorwa byacu muri leta 45, nka Arizona, California, Washington DC, Florida, Nevada, na Texas, n'ibindi. Ariko, intsinzi yacu ntabwo isobanurwa numubare gusa. Isubiramo ritabarika ryiza hamwe nijambo rikomeye kumunwa twabonye twabonye nk'ikimenyetso cyo kwizerana n'icyizere isoko ryadushizemo.Abatanga Inguzanyo Zibanze,Inguzanyo ya Wvoe,Inguzanyo Zillow, Mu rwego rwo kwiyemeza kuguma ku isonga mu nganda, dushora imari cyane mu ikoranabuhanga rigezweho kugira ngo gahunda yo gusaba inguzanyo no kwemezwa. Ibi ntabwo byihutisha gahunda yo gusaba gusa ahubwo binaguha amakuru yigihe-gihe kumiterere yinguzanyo yawe, biguha amahoro yumutima no gukuraho ukutamenya gushidikanya bishobora kuzanwa nuburyo bwo gutanga inguzanyo. Uburyo bwacu bushingiye ku buhanga butuma dushobora gutanga uburambe kandi bworoshye, bigatuma urugendo rwawe rugira nyiri urugo cyangwa gutera inkunga neza bishoboka.

- Gahunda ya AAA Inguzanyo Portfolio - AAA Inguzanyo Zirambuye:

Gahunda ya Portfolio

Incamake

Amatangazo ya Banki ya Portfolio
Portfolio DSCR
Portfolio Amahanga DSCR

Gucuruza gusa

Ibisobanuro

1) 5/6 INTWARO Iminsi 30 Ikigereranyo cya SOFR (5/1/5);
2) Ikigereranyo cyo kugura munsi ya 1: 2;
3) Icyiza. Inguzanyo ingana na 5.000.000 $.

* Ikigereranyo cyo kugura hejuru ya par nticyemewe

Amatangazo ya Banki ya Portfolio

1) Amafaranga UW $ 1495 & Amafaranga yo gutangiza $ 845;

2) Kwizera / Gusubiramo Amafaranga 300 $, niba bishoboka;

3) Amafaranga yinjira muri banki Amafaranga menshi. LTV 65%;

4) Itangazo rya Banki - Inyungu Gusa. LTV 60%;

5) Min. Inguzanyo ingana na $ 500,000;

6) Umunyamahanga - Ntabwo yemerewe;

7) Ibihano by'amezi 18 mbere yo kwishyura bingana n'inyungu y'amezi 6;

8) Min. Amezi 12 PITIA kumitungo yibintu nkibigega;

9) Ibidasanzwe: buri kibazo kumafaranga yinguzanyo ≤ $ 500k hamwe 0.5 yahinduwe kumafaranga.

Portfolio DSCR

1) Amafaranga UW $ 1495 & Amafaranga yo gutangiza $ 845;

2) Icyizere / Isubiramo Isubiramo $ 300, niba bishoboka;

3) Min. Inguzanyo ingana na $ 500,000;

4) Umunyamahanga - Ntabwo yemerewe;

5) Nibura DSCR 1.000;

6) Inguzanyo yahawe Umuntu Kamere - Nta baguriza ibigo;

7) 2-4 Umutungo wigice uremewe kandi kugabanuka 5% muri Max. LTV / CLTV kuri Matrix;

8) Ibihano by'amezi 18 mbere yo kwishyura bingana n'inyungu y'amezi 6;

9) Min. Amezi 12 PITIA kumitungo yibintu nkibigega;

10) Ibidasanzwe: urubanza ukurikije amafaranga yinguzanyo ≤ $ 500k hamwe 0.5 yahinduwe kumafaranga.

Portfolio FN DSCR

1) Amafaranga UW $ 1495 & Amafaranga yo gutangiza $ 845;

2) Icyizere / Isubiramo Isubiramo $ 300, niba bishoboka;

3) Isubiramo ry’amahanga mu mahanga $ 250;

4) Min. Inguzanyo ingana na $ 500,000;

5) Nibura DSCR 1.000;

6) Inyungu Gusa - Ntibyemewe;

7) Ububasha bwa avoka - Ntabwo byemewe;

8) Igihano Mbere yo Kwishura (Umushoramari gusa) ni amezi 18 kandi ahwanye ninyungu zamezi 6.

9) Min. Amezi 12 PITIA kumitungo yibintu nkibigega;

10) Ibidasanzwe: urubanza ukurikije amafaranga yinguzanyo ≤ $ 500k hamwe 0.5 yahinduwe kumafaranga.

Nigute Kubara Portfolio DSCR?

DSCR igomba kubarwa kuburyo bukurikira: DSCR = * Amafaranga yinjira mu bukode ÷ Yujuje ibyangombwa byo kwishyura buri kwezi (P na I gusa);

* Amafaranga akodeshwa yubukode = Ubukode Bwuzuye * (1 - Ikintu Cyakoreshejwe);

Ibintu Byakoreshejwe: Umutungo udafite HOA = 25%, Umutungo ufite HOA = 30%;

Ubukode buzaba buke bwa: Amafaranga yubukode bwubu cyangwa amafaranga kuri 1007 yatanzwe nisuzuma ryerekana ingengabihe yubukode bwisoko.

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. - Gahunda ya AAA Inguzanyo ya Portfolio - Inguzanyo ya AAA, Ibicuruzwa bizatanga ku isi yose, nka: Kupuro, Repubulika ya Ceki, Somaliya, Niba ukeneye kugira ibicuruzwa byacu, cyangwa ufite ibindi bicuruzwa bigomba gukorwa, menya neza ko utwoherereza ibibazo byawe, ingero cyangwa ibishushanyo byimbitse. Hagati aho, tugamije kwiteza imbere mumatsinda mpuzamahanga yimishinga, turategereje kwakira ibyifuzo byimishinga ihuriweho nindi mishinga ya koperative.

-AAA Inguzanyo

Umuntu ugurisha ni umunyamwuga kandi ufite inshingano, ususurutse kandi ufite ikinyabupfura, twagize ikiganiro gishimishije kandi nta mbogamizi zururimi zitumanaho.
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