- Amaahda AAA Aan-QM Si Fudud U Qalmin Hantida Kaliya - ATR-In-Full - Faahfaahin Amaahiyaha AAA:
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:
Hal-abuurnimadu waa qayb ka mid ah DNA-dayada. Waxaan si joogto ah u raadinaa siyaabo aan kor ugu qaadno khibrada amaahda guryaha ee macaamiisheena. Habka codsigayaga casriga ah ee khadka tooska ah, maaraynta dukumentiyada aaminka ah, iyo ikhtiyaarka isgaarsiinta dhijitaalka ah ayaa bixiya safar amaah ah oo bilaa warqad ah. Iyada oo la adeegsanayo AAA Deynta, waxaad filan kartaa waayo-aragnimo amaah deyn amaah ah oo casri ah, hufan, oo sugan taasoo la socota adduunka degdegga ah ee tignoolajiyada. Ku habboonaantaada iyo amnigaaga ayaa muhiim noo ah. – AAA Amaahda Non-QM Si fudud u Qalma Hantida kaliya doorasho – ATR-In-Full – AAA Amaahda , Wax soo saarka ayaa siin doona adduunka oo dhan, sida: Madras, Johannesburg, Morocco, Waxaan leenahay sumcad wanaagsan xal tayo xasilloon, si fiican u helay macaamiisha guriga iyo dibadda. Shirkadeena waxaa hagi lahaa fikradda Joogista Suuqyada Gudaha, U Socodka Suuqyada Caalamiga ah. Waxaan si dhab ah u rajaynaynaa inaan ganacsi la samayn karno macaamiisha gudaha iyo dibaddaba. Waxaan filaynaa iskaashi daacad ah iyo horumar guud!
By Ryan oo ka yimid Nepal - 2017.02.28 14:19 Dabeecadda iskaashiga alaab-qeybiyaha aad buu u wanaagsan yahay, wuxuu la kulmay dhibaatooyin kala duwan, had iyo jeer diyaar u ah inuu nala shaqeeyo, annaga oo ah Ilaaha dhabta ah.
Waxaa qoray Danny oo u dhashay Iran - 2017.06.19 13:51 
