Ikigo cyibicuruzwa

Ibisobanuro birambuye

Incamake

Koresha umutungo w'uguriza kugirango wuzuze ibisabwa, umutungo w'uguriza ugomba kwishyura byibuze amafaranga 6 yabikijwe yinjiza buri kwezi.

Ibisobanuro

1) Kugera kuri 60% LTV;
2) Amafaranga yinguzanyo agera kuri $ 2.5M;
3) amanota 700 cyangwa arenga;
4) Ikigereranyo cya DTI-- Imbere 38% / Inyuma 43%;
5) Nta karimbi kumubare wumutungo uterwa inkunga.

ABIO

Iyi gahunda niyihe?

• Waba uzi gukoresha umutungo gusa kugirango wemererwe kuguriza inzu?
• Wahagaritswe cyangwa wangiwe nuwatanze inguzanyo kuri gahunda ya WVOE (Written Verification of Employment)?
• Ntabwo ufite umutungo mwinshi mugihe ushaka kugura inzu yawe bwite?
• Umukoresha wawe ntiyashakaga gutanga ifishi ya WVOE cyangwa gufatanya?

Niba warigeze guhura nibibazo byavuzwe haruguru, nta mpungenge, uze iwacu hanyuma tuzamenyekanisha gahunda itari QM kuri wewe ---- ABIO (Umutungo ushingiye kumafaranga winjiza).Porogaramu imenyereye gahunda ya {WVOE}, yagenewe abahawe inguzanyo bahembwa n'abikorera ku giti cyabo.Inguzanyo zitari QM zifite gahunda nkeya nkizo zinjiza umushahara na ba nyir'ubucuruzi bashobora gusaba bombi.

Nigute iyi gahunda ikora?

Nkukuntu izina ryibicuruzwa, iyi gahunda yujuje ibyangombwa nkumutungo.Reba hepfo:

abio01
abio02

Niba ihitamo rishingiye ku mutungo ushingiye kuri iyi gahunda y'inguzanyo ryatoranijwe, uwagurijwe azasabwa gusa gutanga amafaranga ashingiye ku mutungo usaba inguzanyo (1003).Aya mafaranga azakoreshwa mu kubara umwenda wujuje ibisabwa ku nyungu zaganiriweho mu gice cya VIII cy'aya mabwiriza.

Ninde ushobora gusaba iyi gahunda?

Nkuko byavuzwe haruguru, ibyo ari byo byose uguriza umushahara cyangwa uwagurijwe wenyine, urashobora gusaba iyi gahunda.Niba uwagurijwe umushahara, nta nyandiko yihariye ikenewe mugihe usabye inguzanyo nshya yinzu ya Non-QM hamwe nuwatanze inguzanyo.Niba uwikorera wenyine cyangwa 1099 uwagurijwe, ushobora gukenera ibaruwa yoroshye ya CPA.

Nigute iyi gahunda ikora?

Nkukuntu izina ryibicuruzwa, iyi gahunda yujuje ibyangombwa nkumutungo.Bitandukanye nizindi gahunda, dutanga inguzanyo ntidukeneye gutegura inyandiko zidasanzwe zitangwa nuwagurijwe.Gusa tegura impapuro zisanzwe za banki mugihe usaba inguzanyo yinzu yawe, Reba hepfo kumakuru yawe:

Amafaranga yinjiza asobanura uwagurijwe avuga amafaranga yinjiza asanzwe muburyo bwo gusaba inguzanyo.Uwatanze inguzanyo azagenzura amafaranga uwagurijwe yinjiza buri kwezi ashobora gushyigikirwa n'umutungo wa “Liquid” mbere yo gufunga.

Niba ihitamo rishingiye ku mutungo ushingiye kuri iyi gahunda y'inguzanyo ryatoranijwe, uwagurijwe azasabwa gusa gutanga amafaranga ashingiye ku mutungo usaba inguzanyo (1003).Aya mafaranga azakoreshwa mu kubara umwenda wujuje ibisabwa ku nyungu zaganiriweho mu gice cya VIII cy'aya mabwiriza.


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