Ibicuruzwa byinshi - AAA Inguzanyo Umushahara Uwagurijwe Atari QM Gahunda - WVOE (Verification Yanditse Yakazi) - Utanga inguzanyo ya AAA numushoramari

Ibicuruzwa birambuye

Mugihe abatanga inguzanyo benshi bafite aho bagarukira, dukomeje kwagura ibikorwa byacu muri leta zitandukanye, dukorera abahawe inguzanyo muri leta 45, harimo amwe mumasoko akomeye nka California na Texas. Kugera kwacu kwagutse kudufasha gusobanukirwa no guhuza n'imiterere y'akarere, tukareba ko abakiriya bacu bo muri leta zitandukanye bahabwa inkunga yaho mugihe bagifite inyungu kubumenyi bwigihugu cyacu.Abenshi mu batanga inguzanyo,Amasosiyete 10 yambere yinguzanyo,Inguzanyo isanzwe Dti, Kimwe mubitambo byacu byingenzi ni ibicuruzwa byinguzanyo 'Non-QM', kandi twishimiye cyane kuyobora inzira muriki cyiciro cyo gutanga inguzanyo. Turi abahanga cyane muriyi domeni, dufite uburambe bunini no kwinjira hakiri kare ku isoko, bigatuma tumenyera gusobanukirwa no gukemura ibibazo byawe byamafaranga. Kuyobora inzira igana ku ntego zawe zamafaranga biba byoroshye, byoroshye kugerwaho hamwe na AAA LENDINGS kuruhande rwawe. Inararibonye imbaraga zo gutanga inguzanyo yihariye natwe uyumunsi, kandi reka tugufashe kugera kubyo wifuza byamafaranga.

- Inguzanyo ya AAA Yagurijwe Umushahara Utari QM Gahunda - WVOE (Igenzura ryanditse ry'akazi) - Inguzanyo ya AAA Ibisobanuro:

Amazina-4

Incamake

Abaguriza umushahara gusa, badashobora kujyana ninguzanyo zinguzanyo zinzego, kandi ntibashaka gutanga impapuro zinyuranye zinjira.

Ibisobanuro

1) Umunyamahanga wemerewe;
2) amezi 12 yabitswe kuri PI (Ntabwo PITIA abandi batanga inguzanyo basabwa);
3) Nta mushahara wo kwishyura / W-2 / imenyekanisha ry'umusoro ukenewe;
4) Amafaranga yatanzwe;
5) Amafaranga y'inguzanyo agera kuri $ 2.5M;
6) Kwishura mbere munsi ya 30%;
7) Min. FICO 680.

Porogaramu niyihe?

Wigeze uhura nuru rubanza?
Ese uburyo bwo gutanga inguzanyo bwongeye kuvugurura umushahara?
Uwatanze inguzanyo yabaze amafaranga winjiza akakubwira ko utujuje ibyangombwa byinguzanyo yinzu?
Biragoye kubona kopi yawe ya W2s cyangwa umushahara?

Twebwe AAA Inguzanyo turaguha gahunda nziza itari QM– WVOE (Inyandiko Yanditse Yakazi). Niba abahawe inguzanyo bahembwa bahabwa umushahara uhoraho cyangwa umushahara uva kumukoresha mugusubiza serivisi yatanzwe kandi badafite uburenganzira cyangwa inyungu ziri munsi ya 25% mubucuruzi.

Abahawe inguzanyo bahembwa bahabwa umushahara uhoraho cyangwa umushahara utangwa n'umukoresha mu gusubiza serivisi yatanzwe kandi nta nyungu bafite cyangwa inyungu ziri munsi ya 25% mu bucuruzi. Indishyi zishobora gushingira ku isaha, buri cyumweru, biweekly, buri kwezi, cyangwa igice cya buri kwezi. Niba buri saha, umubare wamasaha ateganijwe ugomba gukemurwa. Amafaranga yinjiye yagenzuwe agomba guhindurwa mumadorari yukwezi kugirango akoreshwe kubisabwa (Ifishi ya FNMA 1003). Mubushishozi bwumwanditsi, hashobora gusabwa inyandiko yinyongera yinjiza

Ni izihe nyungu?

Kuri iyi gahunda, uwatanze inguzanyo akeneye gusa urupapuro rwa WVOE kugirango abare amafaranga yujuje ibyangombwa, nta zindi nyandiko zinjira zikenewe. Ibi bigomba kuba ingingo zingenzi zingenzi ziyi gahunda. Nta nguzanyo iyo ari yo yose ishobora gukora iyo gahunda. Uretse ibyo, bitandukanye nizindi gahunda, iyi gahunda ntabwo ikenera umutungo wabasabye cyane. Muri rusange, iyi ni gahunda nziza kubagurijwe bahembwa badashobora gukora inguzanyo zinzego.

Kubara gute?

- Koresha umushahara fatizo (igice cyakwezi, kabiri-icyumweru, cyangwa igipimo cyisaha nkuko ushyigikiwe na YTD) kuva WVOE.
Ingero:
Month Semi-ukwezi: Amafaranga y-ukwezi yagwijwe na 2 angana ninjiza buri kwezi.
◦ Icyumweru-Icyumweru: Amafaranga ya buri cyumweru yikubye 26 yagabanijwe na 12 angana ninjiza buri kwezi.
◦ Umwarimu yishyuye amezi 9: Amafaranga ya buri kwezi yikubye amezi 9 ugabanijwe n'amezi 12
bingana n'amafaranga yujuje ibisabwa buri kwezi.

Ibutsa umukoresha kuzuza urupapuro rwa WVOE, hanyuma uwagurijwe azakomeza inguzanyo byihuse.

Ibicuruzwa birambuye:

Ibicuruzwa bifitanye isano:

AAA LENDINGS yishimira uruhare rwabaturage bacu hamwe ninshingano zabaturage. Twizera ko kuba inguzanyo ishinzwe bisobanura gusubiza abaturage dukorera. Ikipe yacu igira uruhare rugaragara mubikorwa byubugiraneza, gushyigikira impamvu zaho, no guteza imbere gusoma no kwandika. Ntabwo turi mubucuruzi bwo gutanga inguzanyo gusa; dushora imari mugukora ingaruka nziza mubuzima bwabakiriya bacu nabaturage bita murugo. - Inguzanyo ya AAA Yagurijwe Umushahara Utari QM Gahunda - WVOE (Inyandiko Yanditse Yerekana Akazi) - Inguzanyo ya AAA, Igicuruzwa kizatanga ku isi yose, nka: Ositaraliya, Libani, Jeddah, Dutanga serivisi zumwuga, igisubizo cyihuse, gutanga mugihe gikwiye, cyiza cyiza nigiciro cyiza kubakiriya bacu. Guhazwa ninguzanyo nziza kuri buri mukiriya nibyo dushyira imbere. Twibanze kuri buri kantu ko gutunganya ibicuruzwa kugeza igihe bakiriye ibicuruzwa byiza kandi byiza hamwe na serivisi nziza y'ibikoresho hamwe nigiciro cyubukungu. Ukurikije ibi, ibicuruzwa byacu bigurishwa neza cyane mubihugu byo muri Afrika, Uburasirazuba bwo hagati na Aziya yepfo yepfo.

-AAA Inguzanyo

Uruganda rushobora guhaza ubudahwema iterambere ryubukungu nisoko, kugirango ibicuruzwa byabo bizwi cyane kandi byizewe, niyo mpamvu twahisemo iyi sosiyete.
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