15/11/2023

Intangiriro

A impapuro za bankiinguzanyo ni ubwoko bwinguzanyo zemerera abahawe inguzanyo kuzuza ibisabwa hashingiwe kuri banki aho gukoresha uburyo bwo kugenzura amafaranga gakondo.Ubu buryo bwinguzanyo bwatejwe imbere cyane cyane kubaguriza bikorera ku giti cyabo, abafite imishinga mito, naba rwiyemezamirimo bigenga bafite inzira zidasanzwe zinjiza.

Mubisabwa bisanzwe byinguzanyo, urasabwa gutanga W-2 imishahara, imenyekanisha ryimisoro, kandi rimwe na rimwe ukishyura kugirango werekane ko winjiza.Ariko, kubantu badakoreshwa bisanzwe, izi nyandiko ntizishobora kwerekana neza ubushobozi bwamafaranga.

Hano ni aimpapuro za bankiinguzanyo iraza. Kugira ngo wemererwe muri ubu bwoko bw'inguzanyo, aho kumenyekanisha imisoro cyangwa W-2s, watanga amezi 12 kugeza 24 ya banki.Uwatanze inguzanyo noneho azabara amafaranga yawe ashingiye kumafaranga yashyizwe kuri konti yawe muri kiriya gihe.

Twumve akamaro k'inyandiko ya banki, reka twongere dusuzume amakuru arambuye, tunareba ku magambo akomeye ajyanye n '' amafaranga y'impano ', n' 'igihano cyo kwishyura mbere.'

Amafaranga y'impano mumatangazo ya banki

Amafaranga yimpano bivuga amafaranga yatanzwe numuryango cyangwa inshuti magara akoreshwa mugufasha kugura inzu.Mubisanzwe, ayo mafranga akoreshwa muburyo bwo kwishyura mbere cyangwa gufunga inguzanyo.Inkomoko rusange yimpano ni ababyeyi, basogokuru, cyangwa abandi bagize umuryango wa hafi.Icyakora, ni ngombwa kumenya ko ayo mafranga agomba rwose kuba impano ntabwo ari inguzanyo igomba kwishyurwa, bitabaye ibyo bigira ingaruka ku mwenda uwagurijwe agomba kubona.

Kubijyanye isano iri hagati yimpano nimpanoimpapuro za bankiinguzanyo, byombi birashobora gukoreshwa hamwe.Mugihe usaba inguzanyo ya banki, isosiyete itanga inguzanyo izasuzuma ubushobozi bwuwagurijwe kwishyura ashingiye kumpapuro za banki.Niba amafaranga yimpano akoreshwa mubice byo kwishyura mbere, bazakenera kugaragara muri banki kandi byanditswe neza.

Ku bikorera ku giti cyabo cyangwa bafite amafaranga adasanzwe gakondo, inguzanyo za banki zifatanije n'amafaranga y'impano zirashobora kuba inzira ifasha kubona inguzanyo.Nyamara, gukorera mu mucyo hamwe ninyandiko ziboneye ni urufunguzo rwo kwemeza ko ibintu byose by’imari byemewe kandi byemejwe n’ikigo gitanga inguzanyo.

Igihano cyo kwishyura mbere
Igihano cyo kwishyura mbere ni ingingo mu masezerano yinguzanyo ivuga ko uwagurijwe azishyurwa amafaranga nibishyura inguzanyo mbere yuko manda yayo irangira.Impamvu iri inyuma yibi nuko abatanga inguzanyo biteze ko inyungu runaka zizishyurwa mugihe cyubuzima bwinguzanyo, kandi iyo wishyuye inguzanyo hakiri kare, babura zimwe murizo nyungu.Igihano cyo kwishyura mbere gifasha guhagarika inyungu zabuze.

Ariko, menya ko ukurikije amategeko ya reta zunzubumwe za Amerika, abatanga inguzanyo babujijwe gutanga igihano cyo kwishyura mbere yimyaka itatu yambere yigihembwe cyinguzanyo.Iwacuimpapuro za bankigahunda yo kwishyura mbere yo kwishyura ni 5% yinguzanyo isigaye.Ariko MD ishoramari rya No Nta gihano cyo kwishyura mbere gusa.

Umwanzuro

Mu gusoza ,.impapuro za bankiinguzanyo, amafaranga yimpano, nibihano byishyuwe mbere birashobora gutandukana.Gusobanukirwa neza nibi bintu byimari ni urufunguzo rwo gucunga ubuzima bwawe bwimari no kubona inguzanyo neza.Waba ari wowe utanga amafaranga yimpano cyangwa uyakira, cyangwa uteganya kwishyura inguzanyo yawe hakiri kare, gukomeza impapuro zuzuye za banki no kumva ingingo zihariye zinguzanyo zawe birashobora kuzigama amafaranga no kurinda ejo hazaza hawe.

Ibyerekeye Inguzanyo za AAA

Ryashinzwe mu 2007, AAA Inguzanyo yabaye umuyobozi wambere utanga inguzanyo hamwe nimyaka irenga 15 yuburambe.Ibuye ryibanze ritanga serivisi ntagereranywa no kwizerwa, byemeza ko abakiriya bacu banyuzwe cyane.

Inzobere muburyo butandukanye bwibicuruzwa bitari QM-harimoNta Doc Nta nguzanyo, Kwitegura wenyine P&L, WVOE, DSCR, Amatangazo ya Banki, Jumbo, MURAHO, Funga Iherezo rya kabirigahunda-tuyobora mu isoko ryinguzanyo 'Non-QM'.Twumva ingorane zo kubona inguzanyo kandi dufite 'Inguzanyo ya Arsenal' itandukanye kugirango duhangane nibi bibazo.Kwinjira kwambere mumasoko Atari QM byaduhaye ubuhanga budasanzwe.Imbaraga zacu zo gukora umurimo w'ubupayiniya bivuze ko twumva ibyo ukeneye mu buryo butandukanye.Hamwe n'inguzanyo ya AAA, kugera ku ntego zawe zamafaranga biroroshye kandi birashoboka.

Twafashije imiryango igera ku 50.000 gusohoza inzozi zabo zamafaranga, hamwe ninguzanyo yatanzwe irenga miliyari 20 z'amadolari.Kuba duhari cyane ahantu h'ingenzi nka AZ, CA, DC, FL, NV, na TX bidufasha gukora demokarasi yagutse.

Hamwe nabakozi barenga 100 biyeguriye hamwe nitsinda ryandika hamwe nitsinda ryisuzuma, turemeza ko inzira yinguzanyo yoroshye kandi idafite ibibazo.

Video:Itangazo rya Banki - Kwibira cyane

Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS;amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya.Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda.Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo.Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo.Shora ukurikije ingaruka zawe.