Nānā nui
Polokalamu waiwai kaulana.Loaʻa i ka mea hōʻaiʻē kekahi mau kālā, hiki ke uhi i ke kumukūʻai kūʻai a i ʻole ka nui o ka hōʻaiʻē a me ka uku pani.ʻAʻohe ʻike hana;ʻAʻohe DTI.
Nā kikoʻī
1) A hiki i ka 75% LTV;
2) A hiki i $4M ka nui o ka aie;
3) Kahi noho kumu wale nō;
4) ʻAʻohe palena o ka nui o nā waiwai i loaʻa kālā;
5) Ma ka liʻiliʻi he 6 mau mahina mai ke kālā ponoʻī o ka mea ʻaiʻē.
He aha kēia papahana?
He polokalamu waiwai ka papahana ATR-In-Full, i kūpono me ka waiwai wale nō.ʻO kahi koho maikaʻi o nā hōʻaiʻē Non-QM.
ʻAʻole e helu ʻo AAA Lendings 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 ʻole i ka underwrite a, ma ke ʻano he mea ʻē aʻe, hiki ke waiho ʻia.Inā hōʻike ʻia ka hana a me ka loaʻa kālā ma kahi noi, ʻaʻole pono e helu ʻia kahi DTI
Pehea ʻoe e ʻike ai inā hiki iā ʻoe ke waiwai kūpono no kēia papahana?
Ma lalo iho nā ʻano o ka helu ʻana.
No ka hōʻaiʻē kūʻai, pono ka huina o nā waiwai i ʻae ʻia me ke kumukūʻai kūʻai a me nā koina pani a pau.
Nā waiwai >= Kumu kūʻai + kumu kūʻai pani a pau
No ka hōʻaiʻē hōʻaiʻē, ʻo ka nui o nā waiwai i ʻae ʻia e kūlike 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 ke 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.
Hōʻike 1: Kumu kūʻai 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 i $14,500.
Nānā 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 59.5 a ʻoi paha, nā waiwai kūpono = $370,000 + $120,000 (60% o IRA) = $490,000 a pōkole e $28,500.
He aha ka waiwai kūpono no kēia papahana?
Kālā kālā, nā lāʻau, nā paʻa a me nā waiwai wai pilikino (ʻaʻohe waiwai) = 100%
Nā helu hoʻomaha = 50% inā 59 a ʻoi aku paha a 60% inā ʻoi aku
ʻAʻohe kālā pāʻoihana
He aha nā pōmaikaʻi?
ʻAʻohe mea mālama ʻia;
