- 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"). Barnaamijkan, waxa aad kaga tagi kartaa qaybta dakhliga meel banaan codsiga amaahda maadaama aanay khusayn barnaamijkan.
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:
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. - AAA Lendings Non-QM Si fudud u Qalma Hantida kaliya ee ikhtiyaarka ah - ATR-In-Full - AAA Amaahda , Badeecadu waxay siin doontaa adduunka oo dhan, sida: Ecuador, Turin, Doha, Sanado badan, oo leh alaab tayo sare leh, adeegga fasalka koowaad, qiimaha ultra-hooseeya waxaan kugu guuleysaneynaa kalsoonida iyo raallinimada macaamiisha. Beryahan dambe wax-soo-saarkayagu wuxuu iibiyaa dhammaan gudaha iyo dibaddaba. Waad ku mahadsan tahay taageerada joogtada ah iyo taageerada cusub ee macaamiisha. Waxaan bixinaa alaab tayo sare leh iyo qiimo tartan leh, soo dhawoow macaamiisha caadiga ah iyo kuwa cusubba way nala shaqeeyaan!
Waxaa qoray Olivia oo ka timid Imaaraadka Carabta - 2018.06.18 19:26 Shirkaddu waxay leedahay kheyraad qani ah, mashiinno horumarsan, shaqaale khibrad leh iyo adeegyo aad u wanaagsan, waxaan rajeynayaa inaad sii wanaajiso oo aad dhammaystirto badeecadaada iyo adeeggaaga, waxay kuu rajaynaysaa wanaag!
By Eartha oo ka socda Johannesburg - 2017.08.16 13:39 
