15/11/2023

UwitekaInguzanyo ya QMPorogaramu yerekana iterambere rikomeye mu gutera inkunga urugo.Iragaragara kubantu bahanganye ningorabahizi ningaruka zamafaranga yo kuguriza-Urwego rwo kugena ibiciro (LLPA).Iyi gahunda yo guhanga udushya ivugurura imiterere yinguzanyo, ikuraho ibyahinduwe na LLPA bityo igatanga amahitamo aringaniza kandi yingirakamaro kumafaranga kubantu benshi baguriza.Kugira ngo twumve neza ingaruka n'imiterere y'iyi gahunda, reka dusuzume urukurikirane rw'ibintu byabayeho, buri kimwe cyagenewe kwerekana uburyo Inguzanyo y'abaturage QM ishobora guhindura imikorere isanzwe yo gutera inkunga inguzanyo.Uyu munsi, turimo kwerekana ibi bintu, twerekana ihame ryo kubona ari ukwemera.

Urugero rwa 1:

Tekereza uwagurijwe ufite amanota 620 ya FICO, agamije 75% LTV murugo rwumuryango umwe.Ubusanzwe, uwagurijwe nk'uyu yahura n’inyungu yazamutse bitewe n’ihinduka rya LLPA, rishobora kuzamuka kugera kuri 8.375%.Gahunda y'inguzanyo ya QM, ariko, ikuraho ibyo byahinduwe, itanga igipimo cyiza cya 7.625%.Iri gabanuka ryibiciro ntirisobanura gusa kuzigama igihe kirekire ariko nanone bituma inzozi zo gutunga amazu zigerwaho kandi zirambye.

Urugero rwa 2:

Undi uguriza ufite amanota make ya FICO ya 640, ushaka kubona umutungo wibanze wa 2-4 hamwe na 70% LTV.Muburyo busanzwe bwinguzanyo, uwagurijwe yahura na LLPA ihindagurika yose hamwe 3.125.Gahunda y'inguzanyo ya QM yabaturage, itandukanye, ikuraho ayo mafaranga yinyongera, yorohereza inzira nziza yo gutera inkunga kandi ihendutse ..

Urugero rwa 3:
Ibikurikira, tugereranya abahawe inguzanyo babiri mubihe bitandukanye byubukungu - umwe ufite FICO yo hepfo na LTV yo hejuru, undi hamwe na FICO yo hejuru na LTV yo hepfo:

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Binyuze muri gahunda y'inguzanyo ya QM y'abaturage, abahawe inguzanyo bombi bahabwa igipimo kingana na 7.625%, hatitawe ku myirondoro yabo itandukanye, bagaragaza ubwitange bwa gahunda yo gutanga inguzanyo zingana.

Buri cyerekezo gitanga urugero rusobanutse, rwerekana uburyo gahunda yihariye ya gahunda, cyane cyane kureka ihinduka ryinguzanyo-Urwego rwo Guhindura Ibiciro (LLPA), bishobora guhindura itandukaniro rikomeye mubushobozi bwuguriza kugirango abone inguzanyo.Mu kwerekana izo manza, tugamije kwerekana gahunda ihindagurika, itabangikanya, hamwe nubushobozi bwayo bwo guha imbaraga inguzanyo nyinshi mugushaka amazu.

Hano tuzongera gushimangira ibyiza bya gahunda yo kuguriza abaturage QM:

• Kugaragaza gahunda idasanzwe itanga inyungu ntagereranywa kubakiriya bawe!
  $ 4.500 CREDIT kubintu byujuje ibyangombwa: Iyi mikorere idasanzwe itanga ubundi buryo bwo gutera inkunga amafaranga, bigatuma gahunda irushaho gushimisha abashobora kuguriza.
• Ntucikwe naya mahirwe atagereranywa
  AII LLPA / LTV & FICO / Cash-Out / Guhindura Impirimbanyi Zirekuwe: Abagurijwe barashobora gusezera ku bigo gakondo byahinduwe, bikingura amarembo y'ibiciro byiza.
• Sezera kubintu bisanzwe byahinduwe!
  Nta Condo / 2-4 Ibice byahinduwe: Iyi ngingo yongeyeho urundi rwego rwinyungu, cyane cyane kubashaka muri ubu bwoko bwimitungo.
• Ishimire aya mahirwe yinyongera
  Nta burezi bwa banyiri urugo / Nta mbogamizi zinjira: Porogaramu yoroshya inzira, ikuraho inzitizi zisanzwe kandi byihutisha igihe cyo kwemeza inguzanyo.
• Kora inzira yoroshye kandi byihuse
  Kubanza Kubanza

Kuboneka kubigura, R / T Refi na Cash out: Porogaramu irahuze, iraboneka kubigura, igipimo / gutera inkunga igihe, hamwe no gutera inkunga amafaranga, byita kubintu bitandukanye ba nyir'inzu bakeneye.

Nkuko isoko yimiturire igenda ihinduka ,.Inguzanyo ya QMPorogaramu yiteguye guhuza no kwaguka.Iterambere ry'ejo hazaza rishobora kubamo inkunga yibikorwa byamazu birambye, guhuza niterambere ryamasoko agaragara, hamwe no guhuza ikoranabuhanga kugirango inzira zoroherezwe.Iterambere rishoboka ryerekana gahunda yiyemeje yo gukomeza kuba ingirakamaro kandi ikora neza kubafite amazu ya none nigihe kizaza.

UwitekaInguzanyo ya QMPorogaramu irenze ibicuruzwa byimari;ni gihamya yuburyo buringaniye kandi bworoshye kubanyiri amazu.Ibihe byerekanwe byerekana ubushobozi bwa gahunda yo guhuza inguzanyo zinyuranye zinguzanyo, bigatuma inguzanyo zitangwa neza.Hamwe ninyungu zidasanzwe hamwe nibitekerezo-byimbere-bitekerezo, Gahunda yinguzanyo ya QM ihagaze nkumucyo wamahirwe, itanga inzira kubanyiri amazu ishobora kugerwaho kandi irambye.Emera iyi gahunda uyumunsi kandi utere intambwe yigihe kizaza cyo gutsinda kumafaranga no gutuza murugo rwawe rwinzozi.

Video:Inararibonye QM Yinguzanyo Yumuryango: Amahirwe angana, Ibiciro byiza!

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.