Erayada furaha: Lacag la'aan;Maya W2;Soo Celinta Cashuurta;Maya 4506-T;Ma jiro DU/LP
Amaahda aan QM ahaynwaa beddelkaamaahda mortgage (QM)..Si gaar ah, aAmaahda aan QM ahaynwaa mid aan looga baahnayn in uu la kulmo dawladda federaalka iyo Xafiiska Ilaalinta Maaliyadeed ee Macmiilka (CFPB).
1. Dukumentiyada Dakhliga:
Amaahiyaha Mushaharka: WVOE
Amaahiyaha iskii u shaqeysta: P&L, Warqad CPA ama;6 bilood xisaabaadka bangiga ama;12/24 Bayaanada bangiga;iwm.
2. Hantida:
● Lacag-bixinta hoose + Kharashka xidhitaanka + kaydka 6 bilood (Ugu yaraan, kaliya hantida maadada.)
● Hadyad waa la aqbali karaa
3. Warbixinta Qiimaynta:
Ugu yaraan hal warbixin qiimayn oo buuxda
4. FICO (Dhibcaha credit):
Ugu badnaan 620
5. LTV ( Amaahda-qiimaha):
Max.90%
Gaar ahaan
Barnaamijka DSCR (Qaybta Daboolista Adeegga Deynta):
1) Ma jiro shaqo amaahiye ama dakhli oo lagu daro codsiga;
2) Aan u qalmin mulkiilaha la degan yahay ama guri labaad;
3) Ma jiro saamiga DTI, dayn-qaadayaashu waxay kaliya u qalmi karaan maadada hantida saamiga DSCR (ugu yaraan 1.1);
4) Sida loo xisaabiyo saamiga DSCR: Mawduuca dakhliga kiraynta/Mawduuca PITIA.
Waqtiga boostada: Jan-21-2022