Dulmar
Dhammaadka Labaad ee Xidhan ee Fudud ee u Qalma.
Muddada amaahda: go'an;15 Sano Balloon.
Faahfaahin
1) Amaahda Labaad ee Standalone iyo Piggyback labadaba waa la heli karaa;
2) Hantida Aasaasiga ah iyo Maalgashiga waa la heli karaa;
3) Ma jiro Ciqaab hore loo bixiyey;
4) Wax kayd ah looma baahna;
5) Xaddiga Lacagta Amaahda: $75,001 - $450,000;
6) Max.CLTV: 85%.
* Qadarka amaahda waxaa lagu soo koobaa $100 ugu dhow
Dukumentiga Dakhliga
Xulashada1: Bayaanada Bangiga - 12 Mths Personal & Business Bank Stmts
★ Shakhsi & Ganacsi-isku-dhafan ama Ganacsi (12bilood):
§ Ugu yaraan mid ka mid ah amaah-bixiyeyaasha waa in uu iskii u shaqeysto ugu yaraan 2 sano (25% ama lahaanshaha ka badan);
§ Dhimista Hantida oo lagu oggolaaday dukumeenti Warbixinta Bangiga;
§ Qodobbada kharashka caadiga ah ayaa khuseeya: 50% qodobka kharashka:
①Haddii ganacsigu shaqeeyo <qiimaha kharashka caadiga ah, P&L ama warqad kharash ah oo ka socota CPA, CTEC (Golaha Waxbarashada California), ama EA (Wakiilka Diiwaangashan) ayaa loo baahan yahay;
②Qorshaha ugu yar ee P&L ee ay diyaariyeen qolo 3aad waa 20%.
★ Shakhsi & Ganacsi Kala Saaran (12bilood):
①Ugu yaraan mid ka mid ah deymaha waa in uu iskii u shaqeysto ugu yaraan 2 sano (25% ama ka badan lahaanshaha);
②Dhaqdhaqaaqa hantida waa la oggol yahay oo wata dukumeenti cadeynta bangiga;
③Shakhsi ahaan loo isticmaalo si loogu qalmo, 3 bilood ganacsi si loo muujiyo socodka lacagta ganacsiga si looga faa'iidaysto 100% dhigaalka ganacsiga ee akoon shakhsi ahaaneed (wax kharash ah malaha).
Xulashada2: Dukumeenti Buuxa - 1 Sano & 2 Sano
Tilmaamaha Guud
★ 30/15 jir buufin & 40/15 sano oo buufin ah min qaddar amaah ah $200k.
★Dheeyooyinka Isku-dhafka ah ee ugu badan - $2 M.
★Laba bilood ee ugu dambeeyay bayaanada bangiga ayaa loo baahan yahay.
★Nooca Hanti - SFR, PUD, Condo-Dammaanad
Guryaha ku taxan iibka 12-kii bilood ee la soo dhaafay xaq uma laha.
Amaah-qaatayaasha - U qalma Muwaadin Maraykan ah, Ajaanib degane aan Joogta ahayn (oo leh US Credit), Ajaaniibta degane Joogtada ah.Aan u qalmin wada-amaahiyeyaasha iyo hay'adaha aan deganayn.
★ 3 khadadka ganacsiga ah oo ka warbixinaya 12+ bilood ama 2 khad ganacsi oo ka warbixinaya 24+ bilood dhamaantood waxqabad 12 bilood ee la soo dhaafay.
Xiliga Dhacdada Amaahda - 48 bilood - La wareegida, iibinta gaaban, ficil beddelka, kicitaan.Ma jiraan dhacdooyin badan 7dii sano ee la soo dhaafay.
★Dhibaatooyinka liidata - Wax lacag ah oo furan ma jiraan ama ururin muddo 48 bilood ah.Ma jiro khad ganacsi oo dembiilayaal ah marka la xidho.
Guriyeynta Lates - 0x30x12 Dhammaan deymaha amaahda ee dhammaan deyn-bixiyeyaasha.Taariikhda guriyeynta ugu yaraan 12 bilood ayaa loo baahan yahay.
★ Shuruudaha Qiimaynta:
①Qiimeyn hore 12 bilood gudahood + Qiimaynta Deegaanka.Qiimaha dib u eegista waa in uu la mid yahay ama ka weyn yahay qiimaynta;
② Qiimaynta cusub ee 2055 iyo Qiimaynta Deegaanka ee qiimaynta taageeraya qiimaha kala duwanaanshuhu 10%.Ka hooseeya laba qiyam oo la isticmaalo;
③Suuqyada hoos u dhaca ugu badnaan 75% CLTV ee Guriga La haysto/2aad.Ugu badnaan 70% CLTV ee Aan Mulkiilaha Lahayn.
