11/15/2023

TheLamunin Al'umma na QMShirin yana wakiltar ci gaba mai mahimmanci a cikin kuɗin gida.Ya yi fice ga waɗanda ke fuskantar ƙalubale da abubuwan da suka shafi kuɗi na Daidaita farashin-Level Price Loan-Level (LLPA).Wannan sabon shirin yana sake fasalin yanayin jinginar gida, yana kawar da gyare-gyaren LLPA kuma ta haka yana samar da daidaitattun zaɓuɓɓuka masu dacewa da kuɗi don ɗimbin masu ba da bashi.Don fahimtar tasiri da yanayin canjin wannan shirin, bari mu yi la'akari da jerin al'amuran rayuwa na gaske, kowanne an tsara shi don nuna yadda Lamunin Al'umma na QM zai iya canza daidaitattun ayyukan ba da lamuni na jinginar gida.A yau, muna gabatar da waɗannan al'amuran, muna nuna ƙa'idar cewa gani shine gaskatawa.

Yanayi na 1:

Yi la'akari da mai ba da bashi wanda ke da maki FICO na 620, yana nufin samun 75% LTV akan gidan iyali guda.A al'adance, irin wannan mai karɓar bashi zai fuskanci hauhawar riba saboda gyare-gyaren LLPA, mai yuwuwa ya tashi zuwa 8.375%.Shirin Lamuni na Al'umma na QM, duk da haka, ya yi watsi da waɗannan gyare-gyare, yana ba da ƙimar fa'ida na 7.625%.Wannan raguwar ƙima ba wai kawai yana fassara zuwa mahimman tanadi na dogon lokaci ba amma har ma yana sa mafarkin mallakar gida ya fi dacewa kuma mai dorewa.

Yanayi na 2:

Wani mai ba da bashi mai ƙarancin FICO na 640, yana neman siyan kadarori na farko na raka'a 2-4 tare da 70% LTV.A cikin yanayin lamuni na al'ada, wannan mai karɓar bashi zai gamu da ɗimbin gyare-gyare na LLPA jimlar 3.125.Shirin Lamuni na Al'umma na QM, akasin haka, yana kawar da waɗannan ƙarin farashi, yana sauƙaƙe hanyar samar da kuɗi mafi inganci kuma mai yuwuwar araha.

Yanayi na 3:
Na gaba, muna kwatanta masu karbar bashi biyu a ƙarƙashin yanayi daban-daban na kuɗi - ɗaya tare da ƙananan FICO da LTV mafi girma, ɗayan kuma tare da FICO mafi girma da ƙananan LTV:

(1) Borrower 1 yana nufin mallakar firamare guda 2-4 tare da maki FICO na 620 da babban LTV na 90%.
(2) Mai ba da bashi 2, tare da kyakkyawan makin FICO na 780, yana niyya da 50% LTV don mazaunin firamare na iyali guda.

Ta hanyar Shirin Lamuni na Al'umma na QM, ana ba masu ba da lamuni iri ɗaya damar gasa na 7.625%, ba tare da la'akari da mabanbanta bayanan martaba ba, suna nuna sadaukarwar shirin don ba da rancen dama daidai.

Kowane yanayi yana ba da tabbataccen misali mai ma'ana na yadda keɓancewar fasalin shirin, musamman ƙetare gyare-gyaren Matsakaicin Matsayin Lamuni (LLPA), na iya yin babban bambanci a cikin ikon mai karɓar lamuni.Ta hanyar kwatanta waɗannan lamuran, muna nufin nuna sassaucin shirin, haɗin kai, da yuwuwar sa don ƙarfafa yawancin masu karbar bashi a cikin neman mallakar gida.

Anan za mu sake maimaita Fa'idodin Shirin Lamunin Al'umma na QM:

• Gabatar da shiri na musamman wanda ke ba da fa'idodi mara misaltuwa ga abokan cinikin ku!
  $4,500 CREDIT Don Abubuwan Da Suka Cancanta: Wannan keɓantaccen fasalin yana ba da ƙarin kuzarin kuɗi, yana sa shirin ya fi kyau ga masu neman rance.
• Kada ku rasa wannan damar da ba ta misaltuwa
  AII LLPA/LTV&FICO/Cash-Out/High balance An Waived: Masu karbar bashi na iya yin bankwana da gyare-gyaren hukuma na gargajiya, buɗe kofa ga mafi kyawun ƙima da sharuɗɗa.
• A ce bankwana da daidaitattun gyare-gyaren hukumar!
  Babu Daidaita Raka'a 2-4: Wannan tanadin yana ƙara wani fa'ida, musamman ga waɗanda ke neman waɗannan nau'ikan kaddarorin.
• Ji daɗin wannan ƙarin rangwame
  Babu Ilimin Mai Gida / Babu Ƙuntatawar Kuɗi: Shirin yana daidaita tsarin, cire matsalolin da aka saba da kuma hanzarta lokacin amincewar lamuni.
• Yi tsari ya fi sauƙi da sauri
  Domin Mazauni na Farko

Akwai don siye, R/T Refi da Cash fita: Shirin yana da yawa, akwai don sayayya, sake fasalin ƙima/lokaci, da sake gyara tsabar kuɗi, yana biyan buƙatun masu gida iri-iri.

Kamar yadda kasuwar gidaje ke tasowa, daLamunin Al'umma na QMShirin yana shirye don daidaitawa da faɗaɗawa.Haɓakawa na gaba na iya haɗawa da goyan baya ga shirye-shiryen gidaje masu ɗorewa, daidaitawa tare da yanayin kasuwa masu tasowa, da haɗin fasaha don daidaita matakai.Waɗannan abubuwan haɓakawa suna nuna ƙudurin shirin don kasancewa masu dacewa da tasiri ga masu gida na yanzu da na gaba.

TheLamunin Al'umma na QMShirin ya fi samfurin kuɗi;shaida ce ta hanyar da ta dace da samun damar mallakar gida.Al'amuran da aka gabatar sun nuna yadda shirin ke da ikon kula da masu karbar bashi daban-daban, tare da tabbatar da adalci wajen bayar da lamuni.Tare da fa'idodinsa na musamman da fasalulluka na tunani na gaba, Shirin Lamuni na Al'umma na QM ya tsaya a matsayin fitilar dama, yana ba da hanya zuwa mallakin gida wanda ke da nasara kuma mai dorewa.Rungumar wannan shirin a yau kuma shiga cikin makomar nasara ta kuɗi da kwanciyar hankali a cikin gidan da kuke fata.

Bidiyo:Ƙware Fa'idar Lamunin Al'umma ta QM: Dama Dama, Mafi Kyau!

Sanarwa: AAA LENDINGS ne ya gyara wannan labarin;Wasu daga cikin hotunan an ɗauke su ne daga Intanet, ba a wakilta matsayin wurin kuma ba za a sake buga su ba tare da izini ba.Akwai haɗari a kasuwa kuma zuba jari ya kamata a yi hankali.Wannan labarin bai ƙunshi shawarwarin saka hannun jari na sirri ba, kuma baya yin la'akari da takamaiman manufofin saka hannun jari, yanayin kuɗi ko bukatun masu amfani ɗaya.Masu amfani yakamata suyi la'akari ko duk wani ra'ayi, ra'ayi ko ƙarshe da ke ƙunshe a nan ya dace da yanayinsu na musamman.Zuba jari daidai da haɗarin ku.