Keywords: Enweghị nkwụnye ego;Enweghị W2;Enweghị nkwụghachi ụtụ;Mba 4506-T;Enweghị DU/LP
Ego mgbazinye na-abụghị QMbụ ihe ọzọ namgbazinye ego ruru eru (QM)..Kpọmkwem, ambinye ego na-abụghị QMbụ nke a na-achọghị iji zute ntuziaka gọọmentị etiti na Consumer Financial Protection Bureau (CFPB) maka mgbazinye ego ruru eru.
1. Akwụkwọ mbata:
● Onye na-agbaziri ụgwọ ọnwa: WVOE
● Onye na-agbaziri onwe ya ọrụ: P&L, Akwụkwọ ozi CPA ma ọ bụ;Akwụkwọ ndekọ ego nke ọnwa 6 ma ọ bụ;12/24 nkwupụta ụlọ akụ;wdg.
2. Akụrụngwa:
● Nkwụghachi ụgwọ ala + Ọnụ mmechi + ọnwa 6 (Ọ dịkarịa ala, naanị maka ihe onwunwe.)
● Enwere ike ịnara onyinye
3. Akụkọ nyocha:
Opekata mpe otu akụkọ nyocha zuru oke
4. FICO(Ebe E Si Nweta):
Nke kacha 620
5. LTV(Binye-na-uru):
Oke.90%
Karịsịa
Mmemme DSCR (Ratio Mkpuchi Ọrụ Ụgwọ):
1) Enweghị onye na-agbazinye ọrụ ma ọ bụ ego a ga-etinye na ngwa ahụ;
2) erughị eru maka onye nwe ya ma ọ bụ ụlọ nke abụọ;
3) Enweghị oke DTI, onye na-agbaziri (s) nwere ike tozuo naanị na oke DSCR ihe onwunwe (Opekempe 1.1);
4) Otu esi agbakọ oke DSCR: Ego mgbazinye isiokwu/ụgwọ PITIA isiokwu.
Oge nzipu: Jan-21-2022