10/06/2023

Muminsi ishize, nabonye inyandiko kuri forumu aho uyikoresha yarebaga imitungo imeze neza kugirango ishoramari ariko ntabashe kubona inguzanyo isanzwe kubera umubare munini winguzanyo hamwe ninyandiko mbi zinguzanyo.

Nyuma, umuntu yamugiriye inama yo kuguriza amafaranga akomeye, icyo bita "inyungu", bivamo inyungu nyinshi cyane!Igipimo cyinyungu zirenga icumi ku ijana cyagabanije cyane igipimo cye cya nyuma.

Mubyukuri, abahawe inguzanyo benshi bahura niki kibazo, cyane cyane abafite uruhare muri Flipping Amazu cyangwa BRRRR (Kugura, Rehab, Gukodesha, Gutunganya, Gusubiramo), akenshi bitabaza Inguzanyo Zinguzanyo kugirango babone igishoro.Ariko, dutanga ibicuruzwa byinguzanyo byoroheje kandi bifatika bidasaba abakiriya kwishura inyungu nki nyungu nyinshi.

Uyu munsi, reka nkumenyeshe ibicuruzwa byinyenyeri: Gahunda ya 'No Doc No Credit', isaba ibyangombwa bike kandi ifite umuvuduko wo gufunga byihuse!Birakwiriye bidasanzwe kubantu bifuza gushora imari, bafite igishoro runaka ku ntoki, ariko bafite amafaranga adahagije cyangwa adahungabana cyangwa inenge ya raporo y'inguzanyo.Ninguzanyo yumutungo nyawo udasaba cheque!

Intangiriro Umushinga
'Nta Doc Nta nguzanyo'Porogaramu ni imyaka 4 yagenwe itari QM yo kugura imitungo yishoramari.
· Iyi porogaramu ntisaba raporo y'inguzanyo, nta gusubiramo raporo ya banki, no kugenzura amafaranga yinjira;
· Yemerera inguzanyo zigera kuri miliyoni 7.5 z'amadolari, hamwe ninguzanyo-ku gaciro igera kuri 70%, bivuze ko hakenewe kwishyura mbere 30% gusa;
· Kubijyanye nibisabwa ikigega, uwagurijwe akeneye gusa kwishyura mbere yo kwishyura + amafaranga yo gutunganya + amezi 36 yububiko (P&I), gufungura konti isabwa na banki, no kubitsa imyaka 3 yububiko bwa P&I kugirango yishyurwe nyuma;
· Umwaka umwe PPP (Igihano cyo Kwishura), kibereye abanyamahanga;
· Byongeye kandi, umushinga ntusaba amafaranga yubukode byibuze, bivuze igipimo cya serivisi yimyenda (DSCR) nta mbogamizi.

Ikibazo
Uyu mushinga winguzanyo urasaba ibimenyetso byerekana amafaranga?
—— Oya, uwagurijwe akeneye gusa kuvuga umutungo, yerekana umutungo uri mwizina ryabo mubisabwa.Amafaranga asabwa arashobora koherezwa muri sosiyete Escrow na banki yabikijwe igihe bikenewe;nta mpamvu yo gutanga raporo ya banki cyangwa kugenzura uko amafaranga yinjira.

Amezi 36 yububiko bwa P&I bivuze iki?
——P & I bivuga ibyingenzi ninyungu.Abagurijwe kwishyura mu myaka itatu yambere bazahita bakurwa kuri konti bafunguye, bitabaye ngombwa ko bishyurwa.Niba uwagurijwe yishyuye inguzanyo nyuma yumwaka wa PPP, barashobora gukuramo amafaranga asigaye.Niba nta kwishura mbere, nyuma yumwaka wa gatatu (mugihe amafaranga yabikijwe yakoreshejwe), bakeneye kongera kubitsa amafaranga kugirango batangire kwishyura.

Ni amafaranga angahe nkeneye gusaba hafi?
——Urugero, niba ugura inzu ya miliyoni y'amadolari kandi ukishyura 30% mbere yo kwishyura, uzakenera gutegura hafi 45% yikiguzi cyinzu mumafaranga, muriyo 15% agomba kubikwa muri banki yishoramari yo kwishyura mu myaka itatu yambere.

Umwaka umwe PPP uhagarariye iki?
——PPP bisobanura igihano cyo kwishyura mbere, bivuze ko uwagurijwe adashobora kugurisha inzu, kwishyura cyangwa kwishyura mu gihe cyumwaka umwe, bitabaye ibyo, bazagira igihano cyo kwishyura 1% hakiri kare hashingiwe ku nguzanyo isigaye.

Hoba hariho ibibujijwe kuranga?
—— Abantu ku giti cyabo hamwe n’amasosiyete barashobora gusaba (harimo n’amasosiyete y’amahanga);kubiranga indangamuntu, abanyamerika, abafite amakarita yicyatsi, EAD, nabanyamahanga barashobora gusaba.

Ni izihe ntara nshobora gusaba uyu mushinga?
—— Urashobora gusaba muri Californiya, Washington, na Oregon.

Ninde wasanga ibi bifite akamaro?

1. Abafite inguzanyo mbi, amateka yo guhomba, cyangwa amanota make yinguzanyo, badashobora kubona inguzanyo zisanzwe.Muri ibi bihe, barashobora gusaba gahunda ya 'No Doc No Credit' na fininance mugihe amanota yinguzanyo yabo azamutse.

2. Abagura miliyoni- cyangwa na miliyoni icumi zamadorari yamazu meza ariko bakabura ubwishyu buhagije.Kuri aya mazu, ibisabwa mbere yo kwishyura ni byinshi (hafi 50%).Niba usabye gahunda ya 'No Doc No Credit', ukeneye gusa 45% by'amafaranga yo gusaba.

3. Abafite amakarita atari icyatsi, abenegihugu, cyangwa abanyamahanga bashora imari mu mutungo utimukanwa muri Amerika Ubusanzwe bisaba igihe runaka cyo kohereza amafaranga mu mahanga, ndetse na nyuma yo koherezwa muri Amerika, bakeneye gutegereza amezi make. .Gahunda ya 'No Doc No Credit' ntabwo igenzura inkomoko yumutungo munini na gato, kandi amafaranga yimpano yose nayo ntakibazo.

4. Abari mugikorwa cyo gufata inzu.Niba usabye inguzanyo ya banki isanzwe, bifata iminsi 30-45, ukabura amahirwe yo gufata inzu nziza.Cyangwa niba inguzanyo isanzwe inaniwe kandi ntushobora gufunga mugihe, ushobora gutakaza amafaranga menshi.Muri iki gihe, saba porogaramu ya 'No Doc No Credit', ishobora gufunga ibyumweru bitatu, kandi inzira yinguzanyo nayo iroroshye.

 

Niba ufite ikibazo cyangwa ukeneye ubufasha ubwo aribwo bwose, twumve neza!

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.