Jumlo - Amaahnaha AAA Aan-QM Si Fudud U Qalmin Hantida Kaliya - ATR-In-Full - Amaahiyaha AAA iyo Maalgeliyaha

Faahfaahinta Alaabta

In kasta oo amaah-bixiyeyaal badani ay xaddideen baaxaddooda, waxaan sii wadeynaa inaan ballaarinno joogitaankayaga gobollo kala duwan, annaga oo u adeegaya deymaha 45 gobol, oo ay ku jiraan qaar ka mid ah suuqyada ugu firfircoon sida California iyo Texas. Gaarsiintayada ballaaran waxay noo ogolaaneysaa inaan fahanno oo aan la qabsano nuucyada gobolka, hubinta in macaamiisheena ku nool gobolo kala duwan ay helaan taageero maxali ah iyadoo weli aan ka faa'iideysaneyno khibradeena dalka oo dhan.Dallaalka Amaahda Vs Bank,Heerarka Amaahda Caadiga ah,Khidmadaha Amaahda AmaahdaWaxaan fahamsanahay in doorashada deyn bixiyaha amaahda guryaha ay tahay go'aan muhiim ah. Si lagaaga caawiyo inaad ku xidhato AAA Deynta, waxaanu ku siinaynaa dhib la'aan, la-talin aan waajib ahayn oo lala yeesho saraakiishayada amaahda khabiirka ah. Taabashadan shakhsi ahaaneed waxay kuu ogolaanaysaa inaad dareento habkayaga oo aad waydiiso su'aalo kasta oo aad qabtid. Waxaan aad u xiisaynaynaa inaan kula macaamilno, fahanno yoolalkaaga, oo aan ku siinno fikrado qiimo leh, dhammaan wada tashi deggan oo xogogaal ah.

- Amaahda AAA Aan-QM Si Fudud U Qalmin Hantida Kaliya - ATR-In-Full - Faahfaahin Amaahiyaha AAA:

Aan citiraaf lahayn-9

Dulmar

Barnaamijka hantida caanka ah. Amaahiyuhu wuxuu leeyahay hanti cayiman, kaas oo dabooli kara qiimaha wax iibsiga ama qaddarka amaahda iyo kharashka xidhitaanka. Looma baahna macluumaad shaqo; Maya DTI.

Nuxurka Barnaamijka

1) Ilaa 75% LTV;
2) Ilaa $4M oo dayn ah;
3) Deganaanshaha aasaasiga ah oo keliya;
4) Ma xadidna tirada guryaha la maalgeliyay;
5) Ugu yaraan 6 bilood oo kayd ah lacagta amaahiyaha

Waa maxay ATR-In-Full?

Barnaamijka ATR-In-Full sidoo kale waa barnaamij hanti, kaas oo u qalma hantida kaliya.

Ma xisaabin doono DTI codsadayaasha u qalma iyagoo caddaynaya Hantida kaliya ("ATR-In-Full"). Farsamo ahaan, dakhli kasta ama shaqo kasta oo ku qoran arjiga waxa loo aqoonsan doonaa mid ka sarraysa xagga hoos ku qoran. Beddelka, waxaa laga yaabaa in lagu daayo maran.

U qalmida

Hoos waxaa ah hababka xisaabinta:
Amaahda gadashada, wadarta hantida la oggol yahay waa inay u dhigma qiimaha iibka iyo dhammaan kharashyada xidhitaanka.
Hanti >> Qiimaha iibka + dhammaan kharashyada xidhitaanka
Amaahda dib-u-maalgelinta, wadarta hantida la oggol yahay waa in ay la mid noqoto qaddarka amaahda oo dhan iyo kharashyada xidhitaanka.
Hanti >= Qadarka amaahda + kharashka xidhitaanka

Hoos ka eeg shuruudaha u-qalmitaanka, waxaad tixraaci kartaa hababka xisaabinta si aad u aragto haddii aad u qalmi karto marka hore ka hor inta aanad amaahin ka dalban amaah-bixiyeyaasha:

Dhacdada 1: Qiimaha iibka iyo kharashaadka xidhitaanka = $768,500. Hantida la heli karo = $700,000 (keyd) lagu daray $45,000 (50% IRA) = $748,000. Gaaban $20,500. Haddii deyn bixiyuhu yahay 59.5 ama ka weyn, hantida u qalma waxay noqon doontaa $700,000 + $54,000 (60% IRA) = $754,000 iyo gaaban $14,500.

Dhacdada 2: Qadarka amaahda iyo kharashyada xidhitaanka = $518,500. Hantida la heli karo = $370,000 (keyd) + $100,000 (50% IRA) = $470,000. Gaaban $48,500. Haddii deyn bixiyuhu yahay 59.5 ama ka weyn, hantida u qalanta = $370,000 + $120,000 (60% IRA) = $490,000 iyo gaaban $28,500.

Hantida Mudan

Lacag caddaan ah, kaydka, curaarta iyo hantida dareeraha ah ee shakhsi ahaaneed ( hanti ma leh ) = 100%.
Xisaabaadka hawlgabka = 50% haddii 59 ama ka yar tahay iyo 60% haddii ay ka weyn yihiin.
Ma jiro lacag ganacsi

Sawirada faahfaahinta alaabta:

Hagaha Alaabta La Xiriira:

Ballanqaadkayaga xagga sareynta iyo u heellanaanta macaamiisheena ayaa nagu kallifay inaan ku ballaarinno hawlgalladayada 45 gobol, oo ay ku jiraan Arizona, California, Washington DC, Florida, Nevada, iyo Texas, iyo kuwo kale. Si kastaba ha ahaatee, guusheenna laguma qeexin tirooyin keliya. Dib u eegisyada togan ee aan la tirin karin iyo sumcadda xooggan ee afka-afka ah ee aannu kasbannay waxay markhaati ka yihiin kalsoonida iyo kalsoonida uu suuqu ina geliyey. – AAA Lendings Non-QM Si fudud u Qalma Hantida kaliya doorasho – ATR-In-Full – AAA Amaahda , Alaabta siin doonaa in dunida oo dhan, sida: Los Angeles, Montreal, Slovenia, Iyada oo sanado badan adeeg iyo horumarinta wanaagsan, waxaan leenahay xirfadle ah kooxda iibka ganacsiga caalamiga ah. Alaabtayadu waxay u dhoofiyeen Waqooyiga Ameerika, Yurub, Japan, Kuuriya, Australia, New Zealand, Ruushka iyo dalal kale. Waxaan rajeyneynaa inaan dhisno iskaashi wanaagsan oo mustaqbalka fog adiga mustaqbalka soo socda!

-AAA Amaahda

Alaabaha hadda la helay, aad ayaan ugu qanacsannahay, alaab-qeybiye aad u wanaagsan, waxaan rajeyneynaa inaan sameyno dadaallo joogto ah si aan u sii wanaajino.
5 Xiddigaha

By Dana oo ka yimid Liibiya - 2018.06.05 13:10

Shirkaddani waxay u hoggaansantaa shuruudaha suuqa waxayna ku biirtaa tartanka suuqa iyada oo la adeegsanayo badeecadeeda tayada sare leh, kani waa shirkad leh ruux Shiinees ah.
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Waxaa qoray Lillian oo ka socota St. Petersburg - 2017.02.14 13:19