DSCR Aotelega
DSCR(Debt Service Coverage Ratio) Polokalama.
Ole polokalame sili lea ona faigofie ile polokalame uma e le'o QM.
Tupe maua / Tulaga Galuega / Faʻamatalaga Lafoga e le manaʻomia.
Fa'ailoga Polokalama DSCR
1) Max.LTV: 80%;
2) Max.Tupe Faaunegatupe $2,000,000;
3) Min.FICO: 680;
4) Fa'ataga le atunu'u mai fafo.
Fa'amolemole vala'au mo tau e uiga iFale Gaosi, 5-10 Units ma nogatupe $2.0 miliona.
O le a le DSCR?
E te iloa pe fa'afefea ona fa'aagavaaina se mokesi fale e aunoa ma se fa'amatalaga o galuega ma tupe maua?
E te le agavaa i nonogatupe masani mokesi?
E te iloa o le a le polokalame nonogatupe e sili ona faigofie?
E te fia iloa pe faʻafefea ona faʻaogaina pepa faʻaititia e agavaa ai se nonogatupe?
E faigata tele mo oe ona maua se nonogatupe ile fale i lau pisinisi?
Matou te ofoina atu se polokalame faʻaunegatupe atoatoa e faʻamalieina ai mea taua i luga -DSCRpolokalame.O le oloa sili ona lauiloa e le o QM i nonogatupe mokesi fale.
DSCR(Debt Service Coverage Ratio) ua fuafuaina mo tagata fa'atau fanua fa'apitoa ma fa'aagavaaina tagata nono tupe e fa'atatau i tinoitupe e na'o le fanua autu e iloilo ai le tulaga lamatia o se tupe fa'afaigaluega.I aso nei, matou te taulai atu i le malamalama i le faʻamatalaga o le DSCR ma le faʻaalia o le mealilo o le polokalame DSCR mai le vaʻaiga o le faʻatupeina o mokesi fale.
DSCR Taiala
| Aseta | ★Ta'i 2 masina talu ai nei fa'amatalaga faletupe mana'omia. ★100% tusi avanoa e maua mai tagata uma e umia faatasi. ★O tupe o meaalofa e talia mo le fa'aoga i le totogiina o lalo ma tau o nonogatupe. ★Stocks/Bond/Mutual Funds - 90% o fa'amatalaga fa'asoa e mafai ona iloiloina i le fa'atatauina o aseta mo le tapunia o tau ma fa'aagaga. ★Tupe o le Teugatupe Fa'a Litaea – 80% e mafai ona iloiloina mo tapuni ma/po'o fa'aagaga. ★Pe a faʻaaoga faʻamatalaga faletupe, e tatau ona iloilo tupe teu tetele. |
| Fa'asao | ★ Fa'asao: Nogatupe Amt $125,001-$1,000,000: 6 Masina PITIA; Nogatupe Amt $1,000,001 - 1,500,000 : 9 masina PITIA; Faaunegatupe Amt $1,500,001 - 2,000,000: 12 masina PITIA ★O tupe maua mai tupe e mafai ona fa'aaogaina e fai ma fa'aagaaga. ★O laina tutusa o aitalafu ma tupe meaalofa e le taliaina e fa'amalieina le mana'oga fa'aagaaga. |
| Fa'aaitalafu | ★O fa'amatalaga fa'aaitalafu ta'itasi a le Borrower e tatau ona aofia ai le itiiti ifo i le lua (2) laina fefa'ataua'iga i totonu o le luasefulufa (24) masina talu ai e fa'aalia ai le sefululua (12) masina tala'aga, po'o se fa'amatalaga tu'ufa'atasia o aitalafu i le va o Borrower ma le Co-Borrower ma le itiiti ifo. e tolu (3) laina fefa'ataua'iga |
| Fa'aaitalafu Mea'ai | ★Mokesi Tala'aga:0 x 30 x 12. ★ Fa'ama'i Fa'amalo : 36 masina ★Pu'upu'u Fa'atau/DIL Mea'ai:36 masina ★ BK Meaʻai: 36 masina |
| Galuega & Tupe Maua | ★E le mana'omia. |
| Iloiloga | ★Aofa'i nonogatupe ≤ $1,500,000 = 1 Iloiloga atoa (ARR, CDA poʻo FNMA CU Sikoa Tulaga o le 2.5 pe itiiti e manaʻomia e faʻaopoopo i le iloiloga) ★Aofa'i nonogatupe > $1,500,000 po'o le "feso'ota'i" fefa'ataua'iga = Lua Iloiloga Atoa |
| Isi Manaoga | ★Taimi Muamua Faatau Fale E le agavaa. ★Max Meatotino Faatupeina: 20 ★MD Investment mo Leai na'o PPP. ★ Fa'asalaga Totogi muamua o le 5% o le paleni o lo'o totoe. |
E fa'apefea ona fa'atatau le DSCR?
Mo nonogatupe mokesi fale, o le DSCR o loʻo faʻatatau i le fua faatatau o tupe maua totogi masina o se meatotino faʻafaigaluega i le aofaʻi o tupe faʻaalu fale.O nei tupe faʻaalu e mafai ona aofia ai le autu, tului, lafoga o meatotino, inisiua, ma totogi ole HOA.So'o se tupe alu e le'i fa'atupuina o le a fa'amauina i le 0. O le fa'aititia o le fua faatatau, o le tele fo'i lea o le lamatiaga o le nonogatupe.E mafai ona fa'aalia i mea nei:
Matou te ofoina atu le "Leai se fua faatatau DSCR" mo a matou tagata faʻatau, o lona uiga o le fua faatatau e mafai ona i lalo i le "0".I a tatou oloa faaunegatupe masani, e tatau ona tatou faatusatusa tupe maua a le au nono mai ma le PITI faalemasina (Principal, Tului, Lafoga, Inisiua) faʻatasi ai ma soʻo se totogifuapauina HOA ma isi noataga o le fale mokesi e filifili ai pe agavaa le nonogatupe.
Fa'amanuiaga ole DSCR
Leai se fua faatatau DSCR ose oloa faaunegatupe e le fa'amaonia pe mana'omia le tupe maua a le tagata nono aua e le aofia ai le fa'atatauina o le DTI (Debt-To-Income Ratio).O le mea taua, o le DSCR laʻititi (Debt Service Coverage Ratio) e mafai ona maualalo i le 0. E tusa lava pe maualalo le totogi o le lisi, e mafai lava ona tatou faia!O se filifiliga lelei lea mo tagata nono tupe e maualalo tupe maua pe sili atu noataga.O lenei mea e avea ai ma se filifiliga talafeagai e oo lava ia i latou e maualalo tupe maua lisi, avea ai ma filifiliga lelei mo tagata nono tupe maua maualalo poʻo aitalafu maualuga.
E le gata i lea, o lenei polokalame e tatala foi i tagata mai fafo, aemaise lava i latou e iai visa F1.Afai o oe o se tagata mai fafo ma e le mafai ona e agavaa mo se nonogatupe mokesi masani, faʻamolemole faʻafesoʻotaʻi matou e faʻatalanoa lau faʻataʻitaʻiga.
