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25/01/2007

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Das uns wirkt Gas-und Loan-to-Value (CLTV)? Kombi-Loan-to-Value-Ratio oder CLTV ist die Summe aller Grundpfandrechte hinaus mann Grundst�ck betreffend der Heimat tats�chlichen Sch�tzwert unterteilt. Zum Beispiel, sowie gute noch viel ausstehenden Nominalwert einer anf�nglichen Hypothek betr�gt Dollar 100.000 und ausserdem den noch ausstehenden Nominalwert einer zweiten Hypothek entspricht 50.000 $ auf ein Zuhause nebst $ 125.000, im anschluss an bewertet das CLTV = 120% und / oder eine gute Stand der Darlehen betr�gt 120% des Wertes des nach Hause. Derzeit FHA Richtlinien erlauben eine unbegrenzte CLTV. Es erm�glicht Hausbesitzer zur Finanzierung durch so weit wie 97,75% ihrer Heimat den W�rdig inside den meisten Bereichen f�r Geschwindigkeit sowie Refinanzierungsgesch�fte. Bestehende Der J�ngere Pfandrechte, in bezug auf zweiter und / oder dritter Hypotheken, d�rfen mit einer unbegrenzten CLTV inferior werden. Der J�ngere Grundpfandrechte werden Pfandrechte aus, nachdem Sie eine bestehendes Pfandrecht an den genommen haben. Zweite und ausserdem Dritte Hypotheken wurden zu h�nden Hausbesitzer gemeinsamen Gruppe bez�glich 2007 Liquidit�tsengpass.



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