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 guryaha ee ugu sarreeya,Dallaalka Amaahda Vs Ururka Daynta,Fidelity Bonds, Markay tahay AAA Deynta, waxaanu ka baxsanay dad badan oo amaah-bixiyeyaal mortgage ah annagoo mudnaanta siinaya dabacsanaanta iyo la qabsiga habkeena. Waxaan fahamsanahay in xaaladda dhaqaale ee amaahiye kastaa ay tahay mid gaar ah, waxaanan si buuxda ugu qalabaysannay in aanu farsamaynno xalal ku habboon oo daboolaya baahiyahaaga gaarka ah. Haddi aad tahay guri iibsade markii ugu horaysay, maal-galiyaha hantida ma-guurtada ah, ama aad doonayso in aad dib u maalgeliso, kooxdayada khubarada ah ayaa halkan u jooga inay kugu hagaan qalafsanaanta habka amaahda guryaha. Waxaan aaminsanahay in deyn-bixinta amaahda guryaha aysan ahayn dadaal hal-beeg-ku-habboon-dhan-dhan-dhan ah, taasina waa ta ina kala saaraysa.

- 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:

Ku-socoshada muuqaalka amaahda guryaha waxay noqon kartaa mid dhib badan, laakiin AAA Deynta ayaa fududaysa habka, taasoo ka dhigaysa mid mashquul ah oo aan walwal lahayn. Waxaan bixinaa nidaam aruurin dukumeenti cad oo kooban, taasoo kuu ogolaaneysa inaad si fudud ugu dhejiso waraaqaha loo baahan yahay internetka. Waxaan si aad ah ula soconaa in wakhtigaagu yahay mid qiimo leh, iyo samaynta habsocodka fududaynta, waxaanu kugu ilaalinaynaa inaad si firfircoon uga qayb qaadato oo aad maamusho safarkaaga amaahda guryaha. – AAA Lendings Portfolio Program – AAA Amaahda , Badeecadu waxay siin doontaa adduunka oo dhan, sida: azerbaijan, Adelaide, Mombasa, Ku soo dhawoow inaad booqato shirkadeena, warshada iyo qolka bandhigayada halkaas oo ay ku soo bandhigaan alaabooyin kala duwan oo buuxin doona filashadaada. Dhanka kale, way ku habboon tahay inaad booqato shabakadeena, shaqaalaheena iibka ayaa isku dayi doona intii karaankooda ah inay ku siiyaan adeega ugu fiican. Fadlan nala soo xidhiidh haddii aad u baahan tahay macluumaad dheeraad ah. Hadafkayagu waa inaan ka caawino macaamiisha inay gaadhaan hadafkooda. Waxaan wadnaa dadaallo badan si aan u gaarno xaaladdan guul-guuleysiga ah.

-AAA Amaahda

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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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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