08/21/2023

Thaum yuav tsev, peb feem ntau yuav tsum xav txog ntau hom kev qiv, suav nrog ob hom tseem ceeb: cov nyiaj qiv nyiaj ruaj khov thiab cov qiv nyiaj kho tau.Paub qhov txawv ntawm ob hom no yog qhov tseem ceeb rau kev txiav txim siab qiv nyiaj zoo tshaj.Hauv tsab xov xwm no, peb yuav nkag mus rau hauv cov txiaj ntsig ntawm cov nqi tsev nyob ruaj khov, tshawb xyuas cov yam ntxwv ntawm kev hloov pauv tus nqi qiv nyiaj, thiab sib tham txog yuav ua li cas xam koj cov nqi tsev.

Cov txiaj ntsig ntawm Fixed Rate Mortgage
Cov nyiaj qiv nyiaj tas li yog ib hom qiv nyiaj ntau tshaj plaws thiab feem ntau muaj nyob rau hauv 10-, 15-, 20-, thiab 30-xyoo lus.Lub ntsiab kom zoo dua ntawm ib tug taag nqi tsev yog nws stability.Txawm hais tias kev lag luam cov paj laum hloov pauv, cov paj laum qiv tseem zoo li qub.Qhov no txhais tau hais tias cov neeg qiv nyiaj tuaj yeem paub tseeb tias lawv yuav them ntau npaum li cas txhua lub hlis, ua rau lawv npaj tau zoo dua thiab tswj hwm lawv cov peev nyiaj txiag.Raws li qhov tshwm sim, cov nyiaj qiv nyiaj tas li tau txais txiaj ntsig los ntawm cov neeg ua lag luam uas pheej hmoo-averse vim tias lawv tiv thaiv cov paj laum yav tom ntej.Cov khoom pom zoo:QM Community Loan,DSCR,Lub txhab nyiaj daim ntawv qhia.

Adjustable Rate Mortgage Analysis
Nyob rau hauv sib piv, adjustable tus nqi tsev (ARMs) yog ntau complex thiab feem ntau muaj kev xaiv xws li 7/1, 7/6, 10/1 thiab 10/6 ARMs.Hom kev qiv no muab cov paj laum ruaj khov rau thawj zaug, tom qab ntawd cov paj laum tau hloov kho raws li kev lag luam.Yog tias cov nqi lag luam poob qis, koj tuaj yeem them cov paj tsawg dua ntawm cov nqi tsev kho mob.

Piv txwv li, nyob rau hauv 7/6 ARM, "7" sawv cev rau thawj lub sij hawm taag-tus nqi, txhais tau tias cov nyiaj qiv tus paj laum tseem tsis hloov pauv rau thawj xya xyoo.Qhov "6" sawv cev rau qhov zaus ntawm kev hloov pauv, qhia tias tus nqi qiv nyiaj hloov txhua rau lub hlis.

Lwm qhov piv txwv ntawm qhov no yog "7/6 ARM (5/1/5)", qhov "5/1/5" nyob rau hauv cov kab lus piav qhia txog cov cai rau kev hloov pauv tus nqi:
· Thawj "5" sawv cev rau qhov feem pua ​​​​siab tshaj plaws uas tus nqi tuaj yeem kho thawj zaug, uas yog xyoo xya.Piv txwv li, yog tias koj tus nqi pib yog 4%, ces nyob rau xyoo xya, tus nqi tuaj yeem nce mus txog 4% + 5% = 9%.
· Qhov "1" sawv cev rau qhov feem pua ​​​​siab tshaj plaws uas tus nqi tuaj yeem hloov kho txhua lub sijhawm (txhua rau rau lub hlis) tom qab ntawd.Yog tias koj tus nqi yog 5% lub sijhawm dhau los, tom qab kev hloov kho tom ntej, tus nqi tuaj yeem nce mus txog 5% + 1% = 6%.
· Qhov kawg "5" sawv cev rau qhov feem pua ​​​​siab tshaj plaws uas tus nqi tuaj yeem nce ntxiv rau lub neej ntawm cov nyiaj qiv.Qhov no yog txheeb ze rau tus nqi pib.Yog tias koj tus nqi pib yog 4%, ces dhau tag nrho cov nyiaj qiv, tus nqi yuav tsis tshaj 4% + 5% = 9%.

Txawm li cas los xij, yog tias cov nqi lag luam nce, koj yuav tau them cov paj ntau dua.Qhov no yog ob-edged ntaj;thaum nws tuaj yeem muaj txiaj ntsig ntxiv, nws kuj tuaj nrog kev pheej hmoo siab dua.Cov khoom pom zoo:Full Doc Jumbo,WVOE&Self Npaj P&L.

Yuav Ua Li Cas Sau Koj Cov Nyiaj Them Nqi Them Nqi
Txawm hais tias koj xaiv hom qiv twg, nws yog ib qho tseem ceeb kom nkag siab tias koj cov nyiaj them rov qab raug xam li cas.Cov nyiaj qiv nyiaj, cov paj laum thiab lub sij hawm yog qhov tseem ceeb uas cuam tshuam rau cov nyiaj them rov qab.Nyob rau hauv ib tug taag nqi tsev, txij li thaum tus paj laum tsis hloov, cov nyiaj them rov qab kuj nyob twj ywm tib yam.

1. Txoj Kev Sib Raug Zoo ntawm Tus Thawj Coj thiab Kev Txaus Siab
Txoj kev sib npaug ntawm tus thawj tswj hwm thiab cov paj laum yog ib txoj hauv kev them rov qab, qhov uas cov neeg qiv nyiaj them rov qab cov nyiaj tau los thiab cov paj laum tib lub hlis.Nyob rau theem pib ntawm cov nyiaj qiv, feem ntau ntawm cov nyiaj them rov qab mus rau cov paj;nyob rau theem tom ntej, feem ntau ntawm nws mus rau cov nyiaj them rov qab.Cov nyiaj them rov qab txhua hli tuaj yeem suav nrog siv cov qauv hauv qab no:
Cov Nyiaj Them Rov Qab Txhua hli = [Tus Thawj Xib Fwb x Lub hli paj paj x (1+ Lub hli paj paj)^ Loan Term] / [(1+ Lub hli paj paj)^ Loan Term - 1]
Qhov twg cov paj laum txhua hli sib npaug ntawm cov paj laum txhua xyoo muab faib los ntawm 12, thiab lub sijhawm qiv nyiaj yog lub sijhawm qiv nyiaj hauv lub hlis.

2. Txoj Kev Xam Xaj Tus Thawj Coj
Lub hauv paus ntsiab lus ntawm kev sib npaug ntawm tus thawj tswj hwm yog tias cov nyiaj them rov qab ntawm tus thawj tswj hwm tseem zoo li qub txhua lub hlis, tab sis cov paj laum qis qis nrog kev txo qis ntawm tus thawj tswj hwm tsis tau them, yog li cov nyiaj them rov qab txhua hli kuj maj mam txo.Tus nqi them rov qab rau lub hli n tuaj yeem suav nrog siv cov qauv hauv qab no:
Kev them rov qab rau lub hli n = (Loan Principal / Loan Term) + (Loan Principal – Total Repaid Principal) x Cov paj laum txhua hli
Ntawm no, tag nrho cov nyiaj them rov qab yog tus lej ntawm cov nyiaj them rov qab hauv lub hlis (n-1) .

Thov nco ntsoov tias cov txheej txheem suav saum toj no tsuas yog rau cov nyiaj qiv qis xwb.Rau kev kho tus nqi qiv nyiaj, kev suav yuav nyuaj dua vim tias cov paj laum yuav hloov pauv nrog kev ua lag luam.

Txawm hais tias lub tswv yim ntawm tus nqi ruaj khov thiab kho tau tus nqi qiv nyiaj yog qhov yooj yim, muaj qee qhov kev xav tseem ceeb.Piv txwv li, lub tsev qiv nyiaj tsis tu ncua muaj kev them rov qab tsis tu ncua, tab sis koj yuav tsis tuaj yeem ua kom zoo dua ntawm tus nqi qis dua yog tias cov nqi lag luam poob.Ntawm qhov tod tes, thaum lub tsev qiv nyiaj kho tau tuaj yeem muab tus nqi qis dua thawj zaug, koj tuaj yeem raug them rov qab siab dua yog tias cov nqi lag luam nce.Yog li ntawd, cov neeg qiv nyiaj yuav tsum sib npaug ntawm kev ruaj ntseg thiab kev pheej hmoo, txheeb xyuas kev lag luam hauv qhov tob, thiab txiav txim siab zoo tshaj plaws.

Thaum xaiv ntawm tus nqi ruaj khov lossis hloov pauv tus nqi qiv nyiaj, nws yog ib qho tseem ceeb uas yuav tau xav txog koj qhov teeb meem nyiaj txiag, kev pheej hmoo siab, thiab kev ua lag luam.Kawm paub qhov txawv, qhov zoo thiab qhov tsis zoo, thiab kawm yuav ua li cas los laij koj cov nqi tsev.Qhov kev paub no yog qhov tseem ceeb rau kev tsim cov tswv yim qiv nyiaj tsim nyog.Peb cia siab tias qhov kev sib tham hauv kab lus no tau pab koj nkag siab zoo dua thiab xaiv qhov qiv nyiaj zoo tshaj plaws rau koj cov kev xav tau.

Nqe Lus Nug: Kab lus no tau hloov kho los ntawm AAA LENDINGS;Qee cov duab tau raug coj los ntawm Is Taws Nem, txoj hauj lwm ntawm lub xaib tsis sawv cev thiab tsis tuaj yeem luam tawm yam tsis tau tso cai.Muaj kev pheej hmoo hauv kev ua lag luam thiab kev nqis peev yuav tsum tau ceev faj.Kab lus no tsis yog cov lus qhia txog kev nqis peev ntawm tus kheej, thiab tsis suav nrog cov hom phiaj kev nqis peev tshwj xeeb, nyiaj txiag teeb meem lossis kev xav tau ntawm cov neeg siv khoom.Cov neeg siv yuav tsum xav txog seb cov kev xav, kev xav lossis cov lus xaus hauv no puas tsim nyog rau lawv qhov xwm txheej.Ua lag luam raws li koj tus kheej txaus ntshai.