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

Faahfaahinta Alaabta

Ballanqaadkayaga ku aaddan daah-furnaanta ayaa ka baxsan marxaladaha hore ee habka amaahda guryaha. Waxaanu hubinaynaa inaad si cad u fahantay shuruudaha amaahdaada, oo ay ku jiraan heerka dulsaarka, khidmadaha, iyo kharashyada xidhitaanka. Ma jiraan wax la yaab leh maalinta xidhitaanka. Waxaa naga go'an inaan ku siino sharraxaad toos ah, oo bilaash ah, si aad si kalsooni leh ugu dhex socon karto dhinacyada maaliyadeed ee gurigaaga iibsashada ama dib-u-maalgelinta.Barnaamijka Bayaanada Bankiga,Maalgeliyaha Khibradda leh,Amaahda Caadiga ah Vs Jumbo Amaah, Hadday tahay AAA Deynta, waxaanu nahay lammaanahaaga muddada dheer. Adeegyadayada xidhitaanka ka dib waxa loo qaabeeyey inay kugu mashquuliyaan xataa ka dib marka dayntaada la sugo. Waxaan bixinaa agab joogto ah, sida talooyinka dayactirka guriga, hagitaan maalgashi, iyo hubinta amaahda amaahda xilliyeed si loo hubiyo in yoolalkaaga maaliyadeed ay ku socdaan. Xidhiidhka aanu kula leenahay kuma eka xidhidh; waa go'aan joogto ah oo ku aaddan samaqabkaaga dhaqaale.

- 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) Qadarka Amaahda $500,000 – $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:

Deynta AAA waxay ku faantaa ku lug lahaanshaha bulshada iyo mas'uuliyadda bulsho. Waxaan aaminsanahay in deyn-bixiye mas'uul ah ay ka dhigan tahay dib u soo celinta bulshooyinka aan u adeegno. Kooxdayadu waxay si firfircoon uga qaybqaataan dadaallada samafalka, taageeridda sababaha maxalliga ah, iyo kor u qaadida aqoonta maaliyadeed. Ma nihin oo kaliya ganacsiga bixinta amaahda; waxa aanu ku hawlanahay in aanu saamayn togan ku samayno nolosha macaamiisheena iyo bulshooyinka ay ugu yeedhaan guriga. – AAA Lendings Portfolio Program – AAA Amaahda , Alaabta siin doona adduunka oo dhan, sida: United States, Madrid, US, Waxaan si joogto ah u ballaarin suuqa gudaha Romania marka lagu daro diyaarinta feeray in alaabta tayada premium dheeraad ah ku xiran printer on shaadhka si aad u Romania. Dadka intiisa badan waxay si adag u aamminsan yihiin inaan leennahay awoodda oo dhan si aan kuu siino xalal farxad leh.

-AAA Amaahda

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.
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By Kitty ka Orlando - 2017.04.08 14:55

Maareeyayaashu waa aragti fog, waxay leeyihiin fikradda faa'iidooyinka labada dhinac, horumar joogto ah iyo hal-abuurnimo, waxaan leenahay wadahadal wacan iyo iskaashi.
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