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Mwachidule

Gwiritsani ntchito zinthu za wobwereketsa kuti muyenerere, katundu wa wobwereketsa amayenera kulipira ndalama zosachepera miyezi 6 za ndalama zomwe amapeza pamwezi.

Tsatanetsatane

1) Palibe P&L Yofunika;
2) Palibe WVOE Yofunika;
3) nkhokwe za miyezi 12 zowerengedwa pa PI (Osati PITIA wobwereketsa wina wofunikira);
4) Ndalama zamphatso zololedwa;
5) Ngongole ndalama mpaka $2.5M;
6) Gulani & Palibe R/T.

Kodi True Stated Revenue ndi chiyani?

Kodi mukudziwa momwe mungagwiritsire ntchito chuma kuti muyenerere kubwereketsa ngongole yanyumba?
• Kodi mudaimitsidwa kapena kukanidwa ndi wobwereketsa pa pulogalamu ya WVOE (Written Verification of Employment)?
• Kodi katundu wanu alibe zambiri pamene mukufuna kugula nyumba yanu?
• Kodi abwana anu sanafune kukupatsani fomu ya WVOE kapena kugwirizana nawo?

Ngati mudakumanapo ndi zomwe zili pamwambapa, osadandaula, bwerani kwa ife ndipo tidzakudziwitsani pulogalamu ya Non-QM - Ndalama Zotsimikizika Zowona. Pulogalamuyi ndi yofanana ndi pulogalamu ya {WVOE}, idapangidwira obwereka omwe amalipidwa komanso odzipangira okha. Ngongole zomwe si za QM zili ndi mapulogalamu ochepa omwe amalandila malipiro komanso eni mabizinesi onse atha kulembetsa.

Kodi pulogalamuyi imagwira ntchito bwanji?

Monga dzina lazogulitsa, pulogalamuyi ilinso ndi katundu. Onani pansipa:

Ngati musankha pulogalamu ya True Stated Income, wobwereketsa adzangofunika kupereka Chuma Chochokera pa Asset Based Revenue pa Loan Application (1003). Ndalama izi zidzagwiritsidwa ntchito kuwerengera ngongole yoyenerera ndi chiŵerengero cha ndalama.

Ndani angalembe fomu yofunsira pulogalamuyi?

Monga tafotokozera pamwambapa, chilichonse 1.you ndinu wobwereketsa malipiro kapena wobwereka wodzilemba ntchito, mutha kulembetsa pulogalamuyi. Kwa obwereketsa malipiro, palibe zikalata zapadera zomwe zimafunikira mukapereka ngongole yanyumba yatsopano ya Non-QM ndi wobwereketsa. Kwa obwereka okha kapena obwereketsa 1099, kalata ya CPA ingafunike.