Centrum Producti

Conspectus

Ratio Argentaria Portfolio
Portfolio DSCR
Portfolio Civis Externus DSCR

* Venditatio tantum

Detalia

1) SOFR Medium 30 Dierum ARM 5/6 (5/1/5);
2) Ratio emptionis sub par 1:2;
3) Intervallum Summae Mutui $500,000 – $5,000,000.

* Ratio emptionis supra parem intolerabilis

Quid est hoc programma?

Ratio Argentaria Portfolio

1) Merces mutuatoris eadem ac programmatis portfolio;

2) Recensio Fideicommissi/Entitatis, si adhibetur, $300;

3) Recensio documenti TX, si adhibetur $150;

4) Reditus ex Ratione Argentaria LTV Maximum 65%;

5) Excerptio Argentaria – Usurae Solum; LTV Maximum 60%;

6) Summa Minima Mutui $500,000;

7) Civis Peregrinus – Non Idoneus;

8) Poena pro solutione anticipata duodeviginti mensium aequalis est usuris sex mensium.

Portfolio DSCR

1) Merces mutuatoris eadem ac programmatis portfolio;

2) Recensio Fideicommissi/Entitatis si adhibetur $300;

3) Recensio documenti TX si adhibetur $150;

4) Summa Minima Mutui $500,000;

5) Civis Peregrinus – Non Idoneus;

6) Minimum DSCR 1.000;

7) Mutuum Personae Naturali Datum – Nullis Mutuatariis Entitate Conditum;

8) Proprietates 2-4 Unitatum Idoneae et 5% Reductio in Maximo LTV/CLTV in Matrice;

9) Poena pro solutione anticipata duodeviginti mensium aequalis est usuris sex mensium.

Portfolio FN DSCR

1) Merces mutuatoris eadem ac programmatis portfolio;

2) Recensio Fideicommissi/Entitatis si adhibetur $300;

3) Recensio documenti TX si adhibetur $150;

4) Recensio Civis Peregrini $250;

5) Summa Minima Mutui $500,000;

6) Minimum DSCR 1.000;

7) Usura Solum – Non Permissa;

8) Mandatum Procurationis – Non Permissum;

9) Poena pro solutione anticipata (Investoribus tantum) est menses XVIII et aequalis sex mensium usuris.

Quomodo DSCR Portfolio Calculare?

DSCR hoc modo calculabitur: DSCR = *Reditus Locationis Nettus ÷ Pensio Menstrua Qualificans (P et I tantum);

*Reditus Locationis Nettus = Reditus Locationis Bruti * (1 – Factor Impensarum);

Factores Impensarum: Praedium sine HOA = 25%, Praedium cum HOA = 30%;

Pretium locationis erit minor ex his: reditu locationis praesente vel summa in formulario 1007 a aestimatore proviso quae aestimationem pretii locationis mercatus ostendit.