Incamake
Inyandiko yuzuye, kubaguriza badashobora gukora Non-Agency Jumbo.Umubare w'inguzanyo nyinshi / DTI Yisumbuye / LTV Yisumbuye / Imitungo itagira imipaka.
Ingingo z'ingenzi
1) Icyiza.DTI 55%;
2) Amafaranga y'inguzanyo agera kuri $ 4M;
3) LTV igera kuri 80%;
4) Nta MI (Ubwishingizi bw'inguzanyo);
5) Amanota y'inguzanyo 660 cyangwa arenga;
6) amezi 6 cyangwa arenga kubitsa;
7) Umusoro wumwaka 1.
Ni irihe tandukaniro riri hagati ya Non-QM Doc Doc na Porogaramu Yuzuye Yuzuye?
Muri rusange, benshi mubasabye barashobora gusaba inguzanyo isanzwe ya Jumbo hagamijwe amafaranga menshi yinguzanyo.Ariko, mubyatubayeho, gahunda isanzwe ya Jumbo ntabwo yoroshye kuyifunga.
Ariko, mubihe bimwe, abasaba ntibashobora kwemererwa cyangwa gukomeza gahunda isanzwe ya Jumbo, kubwibyo barashobora gukora gusa ibicuruzwa bitari QM kugirango bahaze intego zabo, nkamafaranga yinguzanyo menshi / Cash-out / LTV / Inguzanyo, n'ibindi
Inyandiko zacu zitari QM zuzuye ziraboneka kubaguriza bafite inguzanyo ya jumbo hamwe ninguzanyo zihuza zitarenze ibipimo byinguzanyo zujuje ibyangombwa.Inguzanyo muri iyi gahunda ntigomba kwemererwa kugurishwa mu kigo icyo ari cyo cyose cya Leta.
Inyungu za Doc
1. Amafaranga y'inguzanyo arenze inguzanyo z'ikigo;
2. Umubare munini wa DTI, imipaka mike;
3. Nta MI (Ubwishingizi bw'inguzanyo) ikenewe;
4. Kureka amafaranga biremewe;
5. LTV irenze inguzanyo z'ikigo.
