– AAA Lendings Non-QM Easily Qualified Asset na o filifiliga – ATR-In-Full – AAA Lendings Fa'amatalaga:
Vaaiga lautele
Polokalama aseta lauiloa. O lo'o iai le aofa'i o aseta a le tagata nono, e mafai ona fa'amauina le tau fa'atau po'o le aofa'i o nonogatupe ma le tau fa'ai'uga. Leai se fa'amatalaga faigaluega; Leai DTI.
Polokalama Taualoa
1) E oʻo atu i le 75% LTV;
2) E oo atu i le $4M le aofaiga o nonogatupe;
3) Na'o le fale nofo;
4) Leai se tapula'a i le numera o meatotino fa'atupeina;
5) Le itiiti ifo i le 6 masina fa'aagaga mai tupe a le tagata nono mai.
O le a le ATR-In-Full?
O le polokalame ATR-In-Full ose polokalame aseta, lea e agavaa i na'o aseta.
Matou te le fuafuaina se DTI mo tagata talosaga e agavaa e ala i le faʻamaonia o Assets ("ATR-In-Full"). Fa'ainisinia, so'o se tupe maua po'o se galuega o lo'o lisiina i luga o se tusi talosaga o le a fa'apea e le'i fa'atatau i le underwrite. O le isi itu, e mafai ona tuu avanoa.
Fa'ailoga
O lo'o i lalo auala ole fa'atatauga:
Mo le fa'atauga o nonogatupe, o le aofa'i o aseta fa'atagaina e tatau ona fetaui ma le tau fa'atau fa'atasi ai ma so'o se tau fa'ai'uga uma.
Aseta >= Tau fa'atau + tau tapunia uma
Mo le toe fa'atupeina o nonogatupe, o le aofa'i o aseta fa'atagaina e tatau ona fetaui ma le aofa'i atoa o nonogatupe fa'atasi ai ma tau fa'ai'uga.
Aseta >= Aofa'iga o nonogatupe + tau fa'ai'uga
Va'ai i lalo scenarios qualification, e mafai ona e va'ai i metotia fa'atatau e va'ai pe mafai ona e agava'a muamua a'o le'i fa'atoga atu ni nogatupe ma le au fa'atupe:
Fa'aaliga 1: Tau fa'atau fa'atasi ma tau tapuni = $768,500. Aseta avanoa = $700,000 (fa'asao) fa'aopoopo $45,000 (50% o le IRA) = $748,000. Puupuu i le $20,500. Afai o le tagata nono e 59.5 pe sili atu, o aseta agavaa o le a $700,000 + $54,000 (60% o le IRA) = $754,000 ma puupuu i le $14,500.
Tala 2: Ole aofa'i ole nonogatupe fa'atasi ai ma tau e tapunia ai = $518,500. Aseta avanoa = $370,000 (teuga) + $100,000 (50% o le IRA) = $470,000. Puupuu i le $48,500. Afai o le tagata nono mai e 59.5 pe sili atu, aseta agavaa = $370,000 + $120,000 (60% o le IRA) = $490,000 ma puupuu i le $28,500.
Aseta Fa'atatau
Tinoitupe, fa'asoa, fa'amauina ma aseta fa'aletagata (leai se meatotino) = 100%.
Teugatupe litaea = 50% pe a 59 pe la'ititi ma 60% pe a matua.
Leai se tupe pisinisi.
Ata fa'amatalaga o oloa:
Ta'iala o Mea'ai Fa'atatau:
Mo le tele o matou tagata fa'atau, o le mokesi e sili atu nai lo na o se fefa'ataua'iga tau tupe; ose tulaga taua o le olaga. Pe o oe ose tagata fa'atau fale mo le taimi muamua po'o se tagata tomai fa'atau fale, matou te fa'alatalata atu i talosaga ta'itasi ma le fa'aeteete ma le fa'aeteete e tatau ai. Matou te faʻaaluina le taimi e malamalama ai i au sini ma faʻamoemoega, faʻamautinoa o lau mokesi e fetaui ma lau vaʻaiga mo lou lumanaʻi. - AAA Lendings Non-QM Easily Qualified Asset only option - ATR-In-Full - AAA Lendings , O le a tuʻuina atu le oloa i le lalolagi atoa, e pei o: Provence, Algeria, Lesotho, I le avea ai o se tagata gaosi poto masani matou te talia foi le faʻatonuga faʻapitoa ma e mafai ona matou faia tutusa ma lau ata poʻo faʻataʻitaʻiga faʻamatalaga. O le sini autu a la matou kamupani o le ola lea i se manatuaga lelei i tagata uma o loʻo faʻatau, ma faʻatuina se mafutaga faʻapisinisi umi ma tagata faʻatau ma tagata faʻaoga i le lalolagi atoa.
Saunia e Elaine mai Algeria - 2017.11.20 15:58 O oloa a le kamupani e matua lelei lava, ua matou faʻatau ma galulue faʻatasi i le tele o taimi, tau talafeagai ma faʻamautinoa lelei, i se faapuupuuga, o se kamupani faʻatuatuaina!
Saunia e Liz mai Guinea - 2017.08.18 18:38 
