ʻO nā hōʻaiʻē ʻo Elite Jumbo: kahi e hālāwai ai ʻo Luxury me ka hiki
11/06/2023
ʻAʻole maikaʻi loa ka loaʻa kālā home!No ka poʻe e moeʻuhane nui ana akā e ʻeha nei i ka noʻonoʻo ʻana i nā kumukūʻai kiʻekiʻe, ʻo ka AAAElite Jumbo Loanaia maanei e hoʻololi i ka pāʻani.
No ke aha e koho ai i ka ELITE JUMBO?
1. Hoʻemi i nā uku
ʻO ke kiʻekiʻe o ka lākiō waihona, ʻoi aku ka nui o ka uku hoʻemi.ʻOiaʻiʻo, ʻo kēia uku uku ka mea e hoʻokaʻawale i kā mākou huahana mai nā huahana like i ka mākeke.AAAElite Jumbohāʻawi i nā uku ho'ēmi ma muli o ka nui o kāu waihona.Hiki iā ʻoe ke koho i kēia mau koho waihona:
Waiho % o ka huina aie | Hoʻemi i ka helu |
20% | 0.500% |
30% | 0.625% |
40% | 0.750% |
50% | 0.875% |
Eia kekahi laʻana e hoʻohana ana i ka huahana 5/6 ARM pehea e hana ai kēia e loaʻa ai ka uku panee haʻahaʻa:
Ka nui o ka aie | Uku Laka mua | Waiwai Waihoia | Uku hoemi |
$1,000,000 | 7.375% | $200,000 | 6.875% |
$1,000,000 | 7.375% | $300,000 | 6.750% |
$1,000,000 | 7.375% | $400,000 | 6.625% |
$1,000,000 | 7.375% | $500,000 | 6.500% |
Inā manaʻo ka mea kūʻai aku e kūʻai i hale noho mua, loaʻa iā ia ka helu ʻaiʻē o 720, kahi ratio Loan-to-Value (LTV) o 70%, a me kahi huina hōʻaiʻē o $1 miliona, e pili ana i nā kumukūʻai Elite Jumbo AAA LENDINGS mai ʻOkakopa. 31, 2023, ma ka waiho ʻana i ka 50% o ka nui o ka hōʻaiʻē, hiki i ka mea kūʻai ke loaʻa kahi 6.5% uku hoʻemi.Hoʻohālikelike ʻia i nā kumukūʻai mākeke ma mua o 7.5%, ʻo kā mākou ELITE JUMBO e ʻae i nā mea kūʻai aku e hauʻoli i nā uku haʻahaʻa, e like me ka CONFORMING LOAN.
E waiho wale i loko o kahi moʻokāki AAA i koho ʻia, mālama ia no hoʻokahi makahiki, a loaʻa i kēia mau uku kūʻai.He aha ka mea hoihoi loa?Loaʻa i kēia waihona paʻa ka ukupanee!!!
2. Nā Kumu Waihona Maʻalahi
Hiki ke loaʻa nā waihona mai nā makana a i ʻole nā waihona pilikino.Inā ʻo ia ke kālā ponoʻī a ka mea kūʻai aku, hiki iā ia ke lilo i wahi mālama no ka hōʻaiʻē!
N&A
He aha ka LTV kiʻekiʻe loa a me ka nui o ka hōʻaiʻē?
——Max.LTV 90%, Max.loan amhe $4M,e hoʻokō i kāu pono aie a pau.
He aha nā ʻano Amortization i loaʻa?
——Ua kūpono kēia huahana no nā hōʻaiʻē 5/6 ARM a me 7/6 ARM Jumbo a ʻaʻole pili i nā koho uku ʻē aʻe.ʻO ke ʻano amortization e pili ana i ke ʻano o ka uku ʻia ʻana o ka hōʻaiʻē i ka manawa, e hoʻoholo ana i ka hoʻokaʻawale ʻana o ke kumupaʻa a me ka ukupanee i kēlā me kēia uku.
Aia kahi koho me ka waiho ʻole?
——Pono ka waihona no ka loaʻa ʻana o ka uku hoʻemi.
He aha ka lā palena no ka waiho ʻana?
—— Waiho ma mua o ka hōʻaiʻē CTC (Final approval).Ke waiho ʻia, e hoʻoponopono ʻia ka helu memo e like me ia.
He aha ka liʻiliʻi o ka waihona?
—— ʻO ka waiho liʻiliʻi loa no kēia huahana he 20% o ka nui o ka hōʻaiʻē.Hāʻawi mākou i ʻehā mau hoʻohālikelike: 20%, 30%, 40%, a me 50% no kāu maʻalahi.
Hiki ke hoʻohana ʻia ka waihona no ka uku mua?
——ʻAʻole, ʻaʻole kēia waiho kālā i ka uku mua a me nā koina pani.Pono e waiho ʻia i loko o kahi moʻokāki i koho ʻia a mālama ʻia no hoʻokahi makahiki.
E hoʻopilikia ʻia ka uku paneʻe inā hoʻihoʻi mua ʻia ka waihona?
——Aole e ae ia ka wehe mua ana;a i ʻole, e hoʻi ka ukupanee i ka uku kiʻekiʻe mua.
Aia kekahi mau koi kūikawā ʻē aʻe?
——ʻAʻohe koi kūikawā ʻē aʻe.ʻO nā kūlana ʻē aʻe āpau e hahai i nā alakaʻi 5/6 ARM a me 7/6 ARM Jumbo ma ka pūnaewele mana AAA.
I ka hopena, hāʻawi ka AAA Elite Jumbo Loan iā ʻoe i kahi hopena kālā e ʻoluʻolu a maʻalahi hoʻi.Inā he mea kūʻai hale mua ʻoe a i ʻole e ʻimi ana i kahi manawa hoʻolimalima, ʻo kēia huahana kāu koho maikaʻi loa.Mai poina i kēia manawa kū hoʻokahi.E kelepona mai iā mākou i kēia manawa a hoʻomaka i kāu huakaʻi kālā!
ʻŌlelo: Ua hoʻoponopono ʻia kēia ʻatikala e AAA LENDINGS;Ua lawe ʻia kekahi o nā kiʻi mai ka Pūnaewele, ʻaʻole i hōʻike ʻia ke kūlana o ka pūnaewele a ʻaʻole hiki ke paʻi hou ʻia me ka ʻole o ka ʻae ʻia.Aia nā pilikia ma ka mākeke a pono e makaʻala ke kālā.ʻAʻole kēia ʻatikala i ka ʻōlelo aʻoaʻo pilikino pilikino, ʻaʻole hoʻi e noʻonoʻo i nā pahuhopu waiwai kikoʻī, kūlana kālā a i ʻole pono o nā mea hoʻohana pākahi.Pono nā mea hoʻohana e noʻonoʻo inā kūpono nā manaʻo, nā manaʻo a i ʻole nā manaʻo i loko o kēia i ko lākou kūlana.E hoʻolilo e like me kou pilikia.
Ka manawa hoʻouna: Nov-07-2023