Dubawa
Shahararren shirin kadari.Borrower yana da takamaiman adadin kadarorin, wanda zai iya rufe farashin sayan ko adadin lamuni da farashin rufewa.Babu bayanin aikin da ake buƙata;Babu DTI.
Fahimtar Shirin
1) Har zuwa 75% LTV;
2) Adadin lamuni har zuwa $4M;
3) Gidan zama na farko kawai;
4) Babu iyaka akan adadin kadarorin da aka kashe;
5) Aƙalla ajiyar watanni 6 daga kuɗin mai bashi.
Menene ATR-In-Full?
Shirin ATR-In-Full shima shirin kadara ne, wanda ya cancanta da kadara kawai.
Ba za mu ƙididdige DTI ba ga masu neman waɗanda suka cancanci ta hanyar tabbatar da Kadari kawai ("ATR-In-Full").Don wannan shirin, zaku iya barin sashin samun kudin shiga babu komai akan aikace-aikacen lamuni saboda bai dace da wannan shirin ba.
cancanta
A ƙasa akwai hanyoyin lissafin:
Don rancen siyan, jimillar kadarorin da aka yarda dole ne su dace da farashin siyan da kowane kuma duk farashin rufewa.
Kadai>= Farashin siyayya + duk farashin rufewa
Don rancen sake kuɗi, jimillar kadarorin da aka yarda dole ne su dace da cikakken adadin lamuni da farashin rufewa.
Kadai>= Adadin lamuni + farashin rufewa
Dubi cancantar yanayi a ƙasa, zaku iya komawa zuwa hanyoyin lissafi don ganin ko za ku iya cancanta da farko kafin fara neman lamuni tare da masu ba da lamuni:
Yanayi na 1: Farashin saye da farashin rufewa = $768,500.Kaddarorin da ake da su = $700,000 (ajiye) da $45,000 (50% na IRA) = $748,000.Gajeren da $20,500.Idan mai karbar bashi ya kai 59.5 ko sama da haka, kadarorin da suka cancanta zasu zama $700,000 + $54,000 (60% na IRA) = $754,000 kuma gajere ta $14,500.
Hali na 2: Adadin lamuni tare da farashin rufewa = $518,500.Kadarorin da ake da su = $370,000 (ajiye) + $100,000 (50% na IRA) = $470,000.Gajeren da $48,500.Idan mai karbar bashi ya kai 59.5 ko fiye, kadarorin da suka cancanta = $370,000 + $120,000 (60% na IRA) = $490,000 kuma gajere ta $28,500.
Abubuwan da suka cancanta
Cash, hannun jari, shaidu da kadarorin ruwa na sirri (babu dukiya) = 100%.
Asusun ritaya = 50% idan 59 ko ƙarami da 60% idan mazan.
Babu kuɗin kasuwanci.
