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Gwiritsani ntchito madipoziti 6 a Obwereketsa a ndalama zomwe amapeza pamwezi kuti muthandizire ndalama zomwe zanenedwa mu 1003.

Mfundo Zazikulu za Pulogalamu

1) Palibe P&L Yofunika;
2) Palibe WVOE Yofunika;
3) nkhokwe za miyezi 12 zowerengedwa pa PI;
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, pulogalamuyi ndi yofanana ndi pulogalamu ya {WVOE}, idapangidwira obwereketsa 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 la malonda, pulogalamuyi ilinso ndi katundu. Onani pansipa:

· Ndalama Zotchulidwa Zikutanthauza kuti wobwereka anena ZOLINGA zomwe amapeza mu 1003

(Mapulogalamu).

· Timatsimikizira kuti ndalama zomwe amapeza pamwezi zitha KUTHANDIZWA ndi zinthu zamadzimadzi zomwe zisanatseke.

Kuwerengera:

Katundu / 6 ayenera kukhala wamkulu kuposa Stated Revenue

· Dokotala yemwe ali ndi $300,000 mu katundu ndi 1003 ndalama zokwana $20,000 pamwezi?
Inde, izi ndizoyenera. $300,000 / 6 = $50,000 yomwe ndi yayikulu kuposa $20,000 yapamwezi yomwe yalembedwa pakugwiritsa ntchito. Timagwiritsa ntchito $20,000 kuti tiyenerere.

· Wage Earning Masseuse yemwe ali ndi $100,000 muzinthu komanso ndalama zomwe amapeza $15,000 pamwezi?
Ayi, izi sizoyenera. Ngakhale $100.000 / 6 = $16,666> $15,000 yomwe ndi ndalama zomwe zimaperekedwa pamwezi. sizomveka kuti masaeuse omwe amalandila malipiro azipanga $15,000 pamwezi.

· Wodzilemba ntchito Wolowetsa / Kutumiza Katundu wokhala ndi $500,000 muzinthu komanso ndalama zomwe amapeza $100,000 pamwezi?
Inde, izi ndizoyenera. $500,000 / 6 = $83,333 & wobwereka amati $100,000 pamwezi. Komabe $83,333 yokha ndiyomwe imagwiritsidwa ntchito pazifukwa zoyenerera.

Ngati tisankha Malipiro Otsimikizika Owona a Elite, wobwereketsa adzangofunika kupereka Chuma Chotengera Katundu pa Kufunsira Ngongole (1003). Ndalama izi zidzagwiritsidwa ntchito kuwerengera ngongole yoyenerera ndi chiŵerengero cha ndalama.

Ngati mungasankhe 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?

Ziribe kanthu kuti 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.