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) Max.Adadin Lamuni $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 Ya cancanta;
5) Min.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) Min.DSCR 1.000;
6) Sha'awa Kawai - Ba a Ba da izini ba;
7) Ikon Lauya - 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);
*Rashin Samun Hayar Rarraba = 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.
