Xarunta Wax soo saarka

Dulmar

Dhammaadka Labaad ee Xidhan ee Fudud ee u Qalma.

Muddada amaahda: go'an; 15 Sano Balloon.

Faahfaahin

1) Amaahda Labaad ee Standalone iyo Piggyback labadaba waa la heli karaa;
2) Hantida Aasaasiga ah iyo Maalgashiga waa la heli karaa;

3) Ma jiro Ciqaab hore loo bixiyey;
4) Wax kayd ah looma baahna;

5) Xaddiga Lacagta Amaahda: $75,000 – $350,000;
6) Max. CTR: 85%.

* Qadarka amaahda waxaa lagu soo koobaa $100 ugu dhow

Dukumentiga Dakhliga

Xulashada1: Bayaanada Bangiga - 12 Mths Personal & Business Bank Stmts

★ Shakhsi & Ganacsi-isku-dhafan ama Ganacsi (12bilood):
§ Ugu yaraan mid ka mid ah amaah-bixiyeyaasha waa in uu iskii u shaqeysto ugu yaraan 2 sano (25% ama lahaanshaha ka badan);
§ Dhimista Hantida oo lagu oggolaaday dukumeenti Warbixinta Bangiga;
§ Qodobbada kharashka caadiga ah ayaa khuseeya: 50% qodobka kharashka:
①Haddii ganacsigu shaqeeyo

②Qorshaha ugu yar ee P&L ee qolada 3aad ay diyaariyeen ama warqad waa 20%.
★ Shakhsi & Ganacsi Kala Saaran (12bilood):
①Ugu yaraan mid ka mid ah deymaha waa in uu iskii u shaqeysto ugu yaraan 2 sano (25% ama ka badan lahaanshaha);
②Dhaqdhaqaaqa hantida waa la oggol yahay oo wata dukumeenti bayaanka bangiga;
③Shakhsi ahaan loo isticmaalo si loogu qalmo, 3 bilood ganacsi si loo muujiyo socodka lacagta ganacsiga si looga faa'iidaysto 100% dhigaalka ganacsiga ee akoon shakhsi ahaaneed (wax kharash ah malaha).

Xulashada2: Dukumeenti Buuxa - 1 Sano & 2 Sano

Tilmaamaha Guud

★ 30/15 jir buufin & 40/15 sano oo buufin ah min qaddar amaah ah $200k.
★Dheeyooyinka Isku-dhafka ah ee ugu badan - $1.5 M.
★Laba bilood ee ugu dambeeyay bayaanada bangiga ayaa loo baahan yahay.
★ Nooca Hanti – SFR, PUD, Condo-Dammaanad
Guryaha ku taxan iibka 12-kii bilood ee la soo dhaafay xaq uma laha.
Amaah-qaatayaasha - U qalma Muwaadin Maraykan ah, Ajaanib degane aan Joogta ahayn (oo leh US Credit), Shisheeyaha Joogtada ah. Aan u qalmin wada-amaahiyeyaasha iyo hay'adaha aan deganayn.
★ 3 khadadka ganacsiga ah oo ka warbixinaya 12+ bilood ama 2 khad ganacsi oo ka warbixinaya 24+ bilood dhamaantood waxqabad 12 bilood ee la soo dhaafay.
Xiliga Dhacdada Amaahda - 48 bilood - La wareegida, iib-gaaban, ficil beddelka, kicitaan. Ma jiraan dhacdooyin badan 7dii sano ee la soo dhaafay.
★Dhibaatooyinka liidata - Wax lacag-bixin ah oo furan ma jiro 48 bilood gudahood. Ma jiro khad ganacsi oo dembiilayaal ah marka la xidho.
Guriyeynta Lates - 0x30x12 Dhammaan deymaha amaahda ee dhammaan deyn-bixiyeyaasha. Taariikhda guriyeynta ugu yaraan 12 bilood ayaa loo baahan yahay.
★ Shuruudaha Qiimaynta:
①Qiimeyn hore 12 bilood gudahood + Qiimaynta Deegaanka. Qiimaha dib u eegista waa in uu la mid yahay ama ka weyn yahay qiimaynta;
② Qiimaynta cusub ee 2055 iyo Qiimaynta Deegaanka ee qiimaynta taageeraya qiimaha kala duwanaanshuhu 10%. Ka hooseeya laba qiyam oo la isticmaalo;
③Suuqyada hoos u dhaca ugu badnaan 75% CLTV ee Guriga La haysto/2aad. Ugu badnaan 70% CLTV ee Aan Mulkiilaha Lahayn.