Kikowaena Huahana

Nānā nui

Polokalamu waiwai kaulana. Loaʻa i ka mea hōʻaiʻē kekahi mau waiwai, hiki ke uhi i ke kumukūʻai kūʻai a i ʻole ka hōʻaiʻē a me ka uku pani. ʻAʻole pono ka ʻike hana; ʻAʻohe DTI.

Hōʻikeʻike Polokalamu

1) A hiki i ka 75% LTV;
2) A hiki i $4M ka huina hōʻaiʻē;
3) Kahi noho kumu wale nō;
4) ʻAʻohe palena o ka nui o nā waiwai i loaʻa kālā;
5) Ma ka liʻiliʻi he 6 mahina mālama ʻia mai ke kālā ponoʻī o ka mea hōʻaiʻē.

He aha ka ATR-In-Full?

He polokalamu waiwai ka papahana ATR-In-Full, i kūpono me ka waiwai wale nō.

ʻAʻole mākou e helu i kahi DTI no nā mea noi i kūpono ma ka hōʻoia ʻana i nā waiwai wale nō ("ATR-In-Full"). Mechanically, ʻo nā loaʻa kālā a i ʻole nā ​​​​hana i helu ʻia ma kahi noi e manaʻo ʻia he mea nui loa i ka underwrite. Ma ke ʻano he ʻokoʻa, hiki ke waiho hakahaka.

Kupono

Ma lalo iho nā ʻano o ka helu ʻana:
No ke kūʻai ʻana i ka hōʻaiʻē, pono e kūlike ka huina o nā waiwai i ʻae ʻia me ke kumukūʻai kūʻai me nā koina pani a pau.
Nā waiwai >= Kumu kūʻai + kumu kūʻai pani a pau
No ka hōʻaiʻē hōʻaiʻē, pono e kūlike ka huina o nā waiwai i ʻae ʻia me ka nui o ka hōʻaiʻē piha me nā koina pani.
Waiwai >= Ka nui o ka hōʻaiʻē + koina pani

E ʻike ma lalo o ka hōʻoia ʻana i nā hiʻohiʻona, hiki iā ʻoe ke kuhikuhi i nā ʻano helu helu e ʻike inā hiki iā ʻoe ke kūpono mua ma mua o ka noi ʻana i nā hōʻaiʻē me nā mea hāʻawi.

Nānā 1: Kumu kūʻai a me nā koina pani = $768,500. Loaʻa nā waiwai = $700,000 (mālama) me $45,000 (50% o IRA) = $748,000. Pōkole i $20,500. Inā he 59.5 a ʻoi paha ka mea hōʻaiʻē, ʻo ka waiwai kūpono he $700,000 + $54,000 (60% o IRA) = $754,000 a pōkole ʻia e $14,500.

Manaʻo 2: Ka nui o ka hōʻaiʻē me nā koina pani = $518,500. Loaʻa nā waiwai = $370,000 (hoʻokoe) + $100,000 (50% o IRA) = $470,000. Pōkole i $48,500. Inā he 59.5 a ʻoi paha ka mea hōʻaiʻē, waiwai kūpono = $370,000 + $120,000 (60% o IRA) = $490,000 a pōkole ma $28,500.

Na Waiwai Kupono

ʻO ke kālā, nā waiwai, nā mea paʻa a me nā waiwai wai pilikino (ʻaʻohe waiwai) = 100%.
Nā waihona hoʻomaha = 50% inā 59 a ʻoi aʻe a me 60% inā ʻoi aku.
ʻAʻohe kālā ʻoihana.