Cibiyar Samfura

Dubawa

Bayanin Bankin Fayil
Bayanan Bayani na DSCR
DSCR na Ƙasashen Waje na Fayil

* Kasuwanci Kawai

Cikakkun bayanai

1) 5/6 ARM 30 Rana Matsakaicin SOFR (5/1/5);
2) Ragowar siyayya a ƙarƙashin par 1: 2;
3) Adadin Lamuni $500,000 - $5,000,000.

* Rabon sayayya sama da daidai abin da ba za a yarda da shi ba

Bayanin Bankin Fayil

1) Kuɗin UW $ 1495 & Kuɗin Gudanarwa $ 845;

2) Kuɗin Bitar Aminci/Cibiyoyin Bita $300, idan an zartar;

3) Matsakaicin Kudin Bayanin Banki. LTV 65%;

4) Bayanin Banki - Riba kawai Max. LTV 60%;

5) Min. Adadin Lamuni $500,000;

6) Ƙasashen Waje - Ba Ya cancanta;

7) Hukuncin biyan kuɗi na wata 18 daidai yake da ribar wata 6;

8) Min. Watanni 12 PITIA akan kadarorin batun a matsayin tanadi;

9) Banda: shari'a ta shari'a don adadin lamuni ≤ $ 500k tare da 0.5 daidaitawa zuwa farashi.

Bayanan Bayani na DSCR

1) Kuɗin UW $ 1495 & Kuɗin Gudanarwa $ 845;

2) Amintacce/Bita na Mahalli $300, idan an zartar;

3) Min. Adadin Lamuni $500,000;

4) Ƙasashen Waje - Ba cancanta ba;

5) Mafi ƙarancin DSCR 1,000;

6) Lamuni da Aka Yi wa Mutum Na Halitta - Babu Masu Ba da Lamuni;

7) Raka'a 2-4 Abubuwan da suka cancanta kuma 5% Ragewa a Max. LTV/CLTVs akan Matrix;

8) Hukuncin biyan kuɗi na wata 18 daidai yake da ribar wata 6;

9) Min. Watanni 12 PITIA akan kadarorin batun a matsayin tanadi;

10) Banda: shari'a ta shari'a don adadin lamuni ≤ $ 500k tare da 0.5 daidaitawa zuwa farashi.

Fayilolin FN DSCR

1) Kuɗin UW $ 1495 & Kuɗin Gudanarwa $ 845;

2) Amintacce/Bita na Mahalli $300, idan an zartar;

3) Binciken Ƙasashen waje $250;

4) Min. Adadin Lamuni $500,000;

5) Mafi ƙarancin DSCR 1,000;

6) Sha'awa kawai - Ba a yarda ba;

7) Ikon Lauyan - Ba a Ba da izini ba;

8) Hukuncin Biyan Kuɗi (Masu zuba jari kawai) watanni 18 ne kuma daidai da riba na watanni 6.

9) Min. Watanni 12 PITIA akan kadarorin batun a matsayin tanadi;

10) Banda: shari'a ta shari'a don adadin lamuni ≤ $ 500k tare da 0.5 daidaitawa zuwa farashi.

Yadda ake ƙididdige fayil ɗin DSCR?

Za a lissafta DSCR kamar haka: DSCR = *Rashin Samun Hayar Rarraba ÷ Biyan Cancantar Wata-wata (P da I kawai);

*Tsarin Kuɗi na Hayar Gida = Babban Hayar Hayar * (1- Factor Expense);

Abubuwan Kuɗi: Dukiya ba tare da HOA ba = 25%, Dukiya tare da HOA = 30%;

Hayar zai zama mafi ƙanƙanta na: Kudin haya na yanzu ko adadin akan 1007 da mai ƙima ya bayar wanda ke nuna ƙididdigar hayar kasuwa.