Jumlo-Barnaamijka faylalka amaahda ee AAA - Amaahiyaha AAA iyo maalgeliyaha

Faahfaahinta Alaabta

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.Amaahiyeyaasha tooska ah ee tooska ah,Amaahiyaha amaahda ee Wvoe,Amaahiyaha Amaahda Zillow, Iyada oo qayb ka ah ballanqaadkeena ah in aan ku sii jirno safka hore ee warshadaha, waxaan si weyn u maalgelineynaa tignoolajiyada casriga ah si loo hagaajiyo codsiga amaahda iyo habka ansixinta. Tani kaliya ma dedejinayso habka codsiga laakiin waxay sidoo kale ku siinaysaa cusboonaysiinta wakhtiga dhabta ah ee heerka amaahda amaahda, taasoo ku siinaysa xasilooni maskaxeed oo meesha ka saaraysa hubanti la'aanta inta badan la iman karta habka amaahda guryaha. Habka teknooloojiyada ku jihaysan wuxuu noo ogolaanayaa inaan bixino khibrad aan kala go 'lahayn oo ku habboon, taasoo ka dhigaysa safarkaaga lahaanshaha guri ama dib-u-maalgelinta sida ugu waxtarka badan ee suurtogalka ah.

- Barnaamijka AAA Amaahda ee Portfolio - AAA Faahfaahinta Amaahda:

Barnaamijka Portfolio

Dulmar

Bayaanka Bangiga Portfolio
Portfolio DSCR
Portfolio Shisheeye Qaranka DSCR

* Tafaariiqda Keliya

Faahfaahin

1) 5/6 ARM 30 Maalin Celceliska SOFR (5/1/5);
2) Saamiga iibka ee hoos yimaada para 1: 2;
3) Max. Lacagta Amaahda $5,000,000.

* Saamiga iibsashada oo ka badan mid aan la aqbali karin

Bayaanka Bangiga Portfolio

1) Kharashka UW $1495 & Kharashka Habaynta $845;

2) Kharashka Dib-u-Eegista Ammaanadda/Cilmiga $300, haddii ay khusayso;

3) Dakhliga Warbixinta Baanka ee ugu badan. LTV 65%;

4) Warbixinta Bangiga - Dulsaarka Kaliya Max. LTV 60%;

5) Min. Lacagta Amaahda $500,000;

6) Ajnabi – Uma qalmo;

7) Ciqaabta ka hor 18-bilood waxay la mid tahay 6 bilood oo dulsaar ah;

8) Min. 12 bilood PITIA ee hantida maaddada sida kaydka;

9) Marka laga reebo: kiisba kiis lacagta amaahda ≤ $500k oo 0.5 lagu hagaajiyay khidmad.

Portfolio DSCR

1) Kharashka UW $1495 & Kharashka Habaynta $845;

2) Dib-u-eegis Ammaan/Cuqaaleed $300, haddii ay khusayso;

3) Min. Lacagta Amaahda $500,000;

4) Ajnabi – Uma qalmo;

5) Ugu yaraan DSCR 1,000;

6) Amaah Loo Sameeyay Qofka Dabiiciga ah - Ma jiro Amaahiyaha Hay'ad;

7) 2-4 Hantida Cutubku way u qalantaa iyo 5% dhimis inta ugu badan. LTV/CLTV-yada Matrix;

8) Ciqaabta ka hor 18-bilood waxay la mid tahay 6 bilood oo dulsaar ah;

9) Min. 12 bilood PITIA ee hantida maaddada sida kaydka;

10) Marka laga reebo: kiis kiis ee qadarka amaahda ≤ $500k oo 0.5 lagu hagaajiyay khidmad.

Portfolio FN DSCR

1) Kharashka UW $1495 & Kharashka Habaynta $845;

2) Dib-u-eegis Ammaan/Cuqaaleed $300, haddii ay khusayso;

3) Dib u eegis Qaran oo Shisheeye $250;

4) Min. Lacagta Amaahda $500,000;

5) Ugu yaraan DSCR 1,000;

6) Dulsaarka Kaliya - Lama Ogolaan;

7) Awoodda Qareenka - Lama ogola;

8) Ciqaabta Kahor Bixinta (Maalgashadayaasha kaliya) waa 18 bilood waxayna la mid tahay 6 bilood oo dulsaar ah.

9) Min. 12 bilood PITIA ee hantida maaddada sida kaydka;

10) Marka laga reebo: kiis kiis ee qadarka amaahda ≤ $500k oo 0.5 lagu hagaajiyay khidmad.

Sidee loo xisaabiyaa Portfolio DSCR?

DSCR waa in loo xisaabiyaa sida soo socota: DSCR = * Dakhliga Kirada Saafiga ah ÷ U Qalmida Lacag Bixinta Bisha (P iyo I only);

* Dakhliga Kirada ee Saafiga ah = Kirada Guud * (1-Qorshaha Kharashka);

Qodobbada Kharashka: Hantida aan lahayn HOA = 25%, Hanti leh HOA = 30%;

Kiradu waxay noqon doontaa mid ka yar: Dakhliga ijaarka hadda ama qaddarka 1007 ee uu bixiyo qiimeeyaha oo muujinaya jadwalka kirada suuqa ee la qiyaasay.

Sawirada faahfaahinta alaabta:

Hagaha Alaabta La Xiriira:

Qorshaynta mustaqbalkaaga maaliyadeed waxay ka bilaabataa lammaanaha amaahda guryaha ee saxda ah, iyo AAA LENDINGS, waxaa naga go'an inaan kaa caawinno inaad gaarto riyadaada. Waxaan fahamsanahay in safarka ku wajahan lahaanshaha guri uu noqon karo mid xiiso leh laakiin sidoo kale dhib badan. Xirfadlayaashayada khibradda leh ayaa ka badan khabiirada amaahda guryaha; waa xulafadaada dhaqaale. Waxay diyaar u yihiin inay ka hadlaan yoolalkaaga, qiimeeyaan xaaladdaada dhaqaale, oo ay ku siiyaan hagitaan shakhsi ahaaneed oo soo jiidata xiisahaaga. Waxaan ku faanaynaa inaan nahay gacanta hagta ee awood kuu siinaysa inaad gaadho go'aano xog ogaal ah oo ku saabsan mustaqbalkaaga. – AAA Lendings Portfolio Program – AAA Amaahda , Alaabta ayaa siin doonta adduunka oo dhan, sida: Cyprus, Czech Republic, Soomaaliya, Haddii aad u baahan tahay inaad haysato mid ka mid ah alaabtayada, ama aad haysato alaab kale oo la soo saaro, hubi inaad noo soo dirto su'aalahaaga, muunado ama sawirro qoto dheer. Dhanka kale, anaga oo hiigsaneyno inaan u horumarno koox ganacsi oo caalami ah, waxaan rajeyneynaa inaan helno dalabyada ganacsiyada wadajirka ah iyo mashaariicda kale ee iskaashiga.

-AAA Amaahda

Qofka wax iibinaya waa xirfadle iyo mas'uul, diirran oo asluub leh, waxaan yeelanay sheeko wacan oo aan lahayn caqabado luqadeed xagga isgaarsiinta.
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