Dubawa
Cikakken Doc, don masu ba da bashi waɗanda ba za su iya yin Jumbo ba.Ƙarin adadin lamuni/Mafi girma DTI/Higher LTV/ Kaddarorin tallafi marasa iyaka.
Fahimtar Shirin
1) Max.DTI 55%;
2) Adadin Lamuni har zuwa $4M;
3) Har zuwa 80% LTV;
4) Babu MI (Inshorar jinginar gida);
5) Makin Kiredit 660 ko mafi girma;
6) ajiyar watanni 6 ko fiye;
7) Takardun haraji na shekara 1.
Menene bambance-bambance tsakanin Ba-QM Cikakken Doc da Cikakken Shirin Cancanci?
Gabaɗaya, yawancin masu nema na iya neman lamunin Jumbo na al'ada don babban adadin lamuni.Koyaya, a cikin abubuwan da muka koya, shirin Jumbo na al'ada ba shi da sauƙin rufewa.
Koyaya, a cikin wasu yanayi, masu neman ba za su iya cancanta ko ci gaba da shirin Jumbo na al'ada ba, saboda haka za su iya yin samfurin da ba na QM ba ne kawai don biyan manufarsu, kamar adadin lamuni mai girma / Fitar da Kuɗi / LTV / Kiredit, da dai sauransu.
Cikakkun Takaddun Kuɗi namu marasa-QM yana samuwa ga masu ba da bashi tare da lamunin jumbo da lamuni masu dacewa waɗanda suka faɗi a waje da ma'auni na Lamuni Masu cancanta.Lamuni a cikin wannan shirin ba dole ne ya cancanci siyarwa ga kowace Hukumar Gwamnati ba.
Amfanin Cikakken Doc
1. Yawan lamuni fiye da lamunin hukuma;
2. Babban darajar DTI, ƙananan iyakance;
3. Babu MI (Inshorar jinginar gida) da ake buƙata;
4. An ba da izinin fitar da tsabar kudi;
5. Mafi girman LTV fiye da lamunin hukuma.