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Mwachidule

Odzipangira okha obwereketsa okha, omwe sangapite ndi ngongole zanyumba za bungwe, ndipo safuna kupereka zikalata zosiyanasiyana za ndalama.

Tsatanetsatane

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

Pulogalamuyi ndi chiyani? Ndani angalembe fomu yofunsira pulogalamuyi?

• Kodi ndinu wobwereka wodzilemba ntchito?
• Kodi wobwereketsa anafuna sitatimenti yanu yaku banki kuti muyenerere ngongole? Kapena kodi obwereketsa ngongole adakufunani kuti musayine zolemba zamisonkho ndikufunika zolembedwa?
Kodi mudayimitsidwapo kapena kukanidwa ndi obwereketsa abungwe? Kodi obwereketsa adanenapo kuti "Molingana ndi malangizo athu"
Kodi mumadziwa momwe mungakwaniritsire ngongole yanyumba popanda zolemba za ndalama? Ngakhale kubweza msonkho / zikalata zamabanki, ndi zina.

Ife AAA Lendings tsopano tikupereka pulogalamu yoyenera yobwereketsa ya Non-QM yomwe imagwiritsidwa ntchito pamwambapa, yomwe imatchedwa P&L (Profit & Loss). Pulogalamuyi 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 P&L yokonzedwa ndi wobwereketsa, yomwe ilinso phindu kwa ena obwereka.

Chifukwa chiyani pulogalamuyi idapangidwa?

Kwa obwereketsa omwe adzilemba okha ntchito, pulogalamu yowerengera ndalama ya miyezi 12/24 ndi njira yabwinoko, chifukwa pulogalamuyi sifunikira kubweza msonkho komanso zikalata zamabanki abizinesi. Komabe, olembetsa ena akakhala ndi bizinesi, yomwe yapangitsa kuti chuma chikhale chovuta ndi ma statement angapo aku banki, pulogalamu ya P&L ikhoza kukhala chisankho chabwino kwambiri kwa inu. Popeza 12/ 24 pulogalamu yowerengera kubanki ili ndi malire pazofunikira zamakalata aku banki; mwina max. Malipoti atatu aku banki amawerengera bizinesi imodzi, zomwe zitha kukhala zoletsa zomwe zimatsogolera ku pulogalamu ya P&L.

Kodi muyenera kukonzekera chiyani kuti muvomerezedwe mwachangu?

Mukapereka ngongole kwa obwereketsa, angafunikire YTD(Chaka-Kufika-Date) P&L (kapena kuphatikiza chaka chisanachitike P&L nthawi zina), chilolezo chabizinesi, kalata ya CPA, ndi zina zotere. Choncho njira iliyonse ili bwino zomwe zimapereka pakugonjera koyambirira kapena pamene chivomerezo cha ngongole.
Kupatula apo, muyenera kuwonana ndi gulu lathu lotumiza kuti muwerengere kaye ndalama zomwe mumapeza