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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

1) Palibe siginecha ya CPA yofunika;
2) Dziko lakunja lololedwa;
3) Ngongole ndalama mpaka $10M;
4) nkhokwe za miyezi 12 zowerengedwa pa PI;
5) Palibe zolemba zamisonkho zofunika;
6) Ndalama zamphatso zololedwa;
7) Malipiro otsika ngati 30%;
8) Min. Mtengo wa FICO680.

Kodi Self-prepared P&L ndi chiyani? Ndani angalembe fomu yofunsira pulogalamuyi?

• Kodi ndinu wobwereka wodzilemba ntchito?
• Kodi wobwereketsa nyumbayo adafuna kuti masitetimenti anu aku banki kuti ayenerere ngongole? Kapena kodi obwereketsa adakufunani kuti musayine zolemba zamisonkho ndikufunika 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? Ngakhale kubweza msonkho / zikalata zamabanki, ndi zina.

Kubwereketsa kwa AAA tsopano kumapereka pulogalamu yoyenera yobwereketsa ya Non-QM yomwe imagwiritsidwa ntchito pazomwe zili pamwambapa, yomwe imatchedwa P&L (Phindu & Kutayika). P&L idapangidwira obwereketsa omwe amadzilemba okha ntchito ndipo angapindule ndi njira zina zoyenereza ngongole. Ndilo gawo labwino kwambiri kwa odzilemba okha 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 wokonzeka P&L, yomwe ilinso nkhani yabwino kwa ena obwereka.

Chidziwitso chovomerezeka mwachangu

Mukapereka ngongole kwa ife, tingafunike YTD (Chaka ndi Tsiku) P&L (kapena kuphatikiza chaka cham'mbuyo P&L nthawi zina), chilolezo chabizinesi, kalata ya CPA, ndi zina zotero. Njira iliyonse ndiyabwino pazomwe zimaperekedwa popereka koyambirira kapena pamene chivomerezo cha ngongole.

Kupatula apo, muyenera kuwonana ndi gulu lathu lotumiza kuti muwerengere kaye ndalama zomwe mumapeza.