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Mwachidule

Ndi chisankho chabwino kwa obwereketsa odzilemba okha omwe sangakhale oyenerera ndi ngongole yabungwe ndipo safuna kupereka zikalata zopeza ndalama zosiyanasiyana.

Mfundo Zazikulu za Pulogalamu

7/6 ARM (5/1/5); 5/6 ARM (2/1/5)

1) Palibe siginecha ya CPA yofunika;
2) Dziko lakunja lololedwa;
3) Ngongole ndalama mpaka $2.5M;
4) Palibe zolemba zamisonkho zofunika;
5) Ndalama zamphatso zololedwa;
6) Malipiro otsika ngati 30%;
7) Min. Mtengo wa FICO700.

Kodi Elite P&L ndi chiyani? Ndani angalembe fomu ya Elite P&L?

• Kodi ndinu wobwereka wodzilemba ntchito?
• Kodi wobwereketsa anafuna sitatimenti yanu yaku banki kuti muyenerere ngongole? Kodi obwereketsa nyumba adakufunani kuti musayine zolemba zamisonkho ndikupereka zolembedwa?
Kodi mudayimitsidwapo kapena kukanidwa ndi obwereketsa abungwe? Kodi obwereketsawo adanenapo kuti "Molingana ndi malangizo athu"?
Kodi mumadziwa momwe mungakwaniritsire ngongole yanyumba popanda zolemba za ndalama?

Zobwereketsa za AAA tsopano zimapereka pulogalamu yoyenera yobwereketsa ya Non-QM yomwe imagwiritsidwa ntchito pamwambapa, yomwe idatchedwa Elite P&L (Profit & Loss). Elite P&L idapangidwira obwereketsa omwe amadzilemba okha ntchito ndipo angapindule ndi njira zina zoyenereza ngongole. Ndilo phindu labwino kwambiri kwa odzilemba ntchito. CPA/CTEC/EA yomalizidwa ndi kusaina P&L ingagwiritsidwe ntchito ngati njira ina yobwezera msonkho kulemba ndalama za wobwereka wodzilemba yekha. Nthawi zina, timavomereza ngakhale wobwereketsa wodzikonzekera yekha P&L, yomwe ilinso nkhani yabwino kwa ena obwereka.

Zofunikira Zovomerezeka Mwamsanga

Mukapereka ngongole kwa obwereketsa, angafunike YTD(Chaka-Kuti-Date), P&L (kapena kuphatikiza chaka isanafike P&L nthawi zina), chilolezo bizinesi, CPA kalata, etc..

Kupatula apo, mutha kufunsa ndi Gulu Lathu Lopereka Kuti muwerengere ndalama zomwe mumapeza musanapereke ngongole.