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Mwachidule

Ndi chisankho chabwino kwa wolandira malipiro omwe sangakhale oyenerera ndi ngongole yabungwe ndipo safuna kupereka zikalata zosiyanasiyana zopezera ndalama.

Mfundo Zazikulu za Pulogalamu

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

1) Dziko lakunja lololedwa;
2) Palibe paystub / W-2 / msonkho kubweza zofunika;
3) Ndalama zamphatso zololedwa;
4) Ngongole ndalama mpaka $2.5M;
5) Malipiro otsika ngati 30%;
6) Min. Mtengo wa FICO700.

Kodi Elite WVOE ndi chiyani?

Kodi wobwereketsayo adapempha ma paystube osinthidwa mobwerezabwereza chifukwa cholemba pansi?
Kodi wobwereketsayo adawerengera ndalama zomwe mumapeza ndikukuuzani kuti simuli oyenera kubwereketsa ngongole?
Kodi simunathe kupeza ma W2 anu kapena ma paystubs?

Obwereketsa omwe amalipidwa amalandira malipiro osasinthasintha kapena malipiro kuchokera kwa owalemba ntchito pobwezera ntchito yomwe wapatsidwa ndipo alibe umwini kapena chiwongola dzanja chochepera 25% cha umwini mubizinesiyo. Malipiro amatha kutengera ola lililonse, sabata iliyonse, biweekly, mwezi uliwonse, kapena semi-mwezi. Ngati pa ola, chiwerengero cha maola okonzedwa ayenera kuyankhidwa. Ndalama zomwe zatsimikiziridwa ziyenera kusinthidwa kukhala ndalama ya mwezi uliwonse kuti zigwiritsidwe ntchito pa fomu yovomerezeka (FNMA Form 1003). Pakuwona kwa wolemba pansi, zolemba zowonjezera za ndalama zitha kufunsidwa.

Ubwino wa Elite WVOE

Chochititsa chidwi kwambiri ndi pulogalamuyi ndi kuphweka kwake. Chikalata chokhacho chofunikira kuti muwerengere ndalama zoyenerera pansi pa pulogalamuyi ndi fomu ya WVOE. Izi zimapereka njira yosavuta komanso yosavuta kwa obwereketsa omwe ali ndi kuthekera kobwezera omwe mwina adaphonya malangizowo ndi mapulogalamu abungwe.

Kodi kuwerengera malipiro?

- Gwiritsani ntchito malipiro oyambira (theka pamwezi, kawiri pa sabata, kapena pa ola limodzi malinga ndi YTD) kuchokera ku WVOE.
Zitsanzo:
- Semi-mwezi: Kuchuluka pamwezi kuchulukidwa ndi 2 ndikufanana ndi ndalama zomwe amapeza pamwezi.
- Bi-sabata iliyonse: Kuchuluka kwa milungu iwiri kuchulukitsa ndi 26 kugawidwa ndi 12 ndikofanana ndi ndalama zomwe amapeza pamwezi.
- Aphunzitsi amalipidwa kwa miyezi 9: Ndalama za pamwezi zochulukitsa ndi miyezi 9 zogawidwa ndi miyezi 12 ndizofanana ndi ndalama zomwe zimaperekedwa pamwezi.

Akumbutseni olemba ntchito kuti alembe fomu ya WVOE, kenako wobwereketsa apitiliza ndi ngongoleyo mwachangu.