– 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 mai, e mafai ona fa'amauina le tau fa'atau po'o le aofa'i o nonogatupe ma le tau fa'ai'u. Leai se fa'amatalaga faigaluega e mana'omia; 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:
Matou te malamalama o le mokesi e le na o se fefaʻatauaiga tau tupe ae o se filifiliga taua o le olaga. O la matou taulaiga i le fa'atautotonuina o tagata fa'atau o lona uiga matou te le na'o numera; matou te mafaufau i lau tala faʻapitoa, faʻamoemoega, ma sini tau tupe. O matou tagata poto mokesi e faʻaalu le taimi e malamalama ai i lau lava malaga, faʻamautinoa e te mauaina se tali mokesi e fetaui ma lau vaʻaiga mo le lumanaʻi. – AAA Lendings Non-QM Easily Qualified Asset only option – ATR-In-Full – AAA Lendings , Le oloa o le a tuʻuina atu i le lalolagi atoa, e pei o: Nigeria, Uruguay, Southampton, I le taimi nei, matou te tuʻuina atu faʻapolofesa tagata faʻatau ma a matou oloa autu Ma o la matou pisinisi e le gata o le faʻatau ma faʻatau atu, ae o loʻo taulaʻi atu i le tele. Matou te faʻamoemoe e avea ma au faʻatau faʻamaoni ma le galulue faʻatasi i Saina. O lenei, Matou te faʻamoemoe e avea ma uo ma oe.
Saunia e Odelia mai Armenia - 2017.11.29 11:09 O le atinaʻe o loʻo i ai se laumua malosi ma le malosi faʻatauva, o oloa e lava, faʻatuatuaina, o lea e leai ai se popolega i le galulue faʻatasi ma i latou.
Saunia e Penina mai Pakisitana - 2017.09.30 16:36 
