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

Tsatanetsatane

1) Dziko lakunja lololedwa;
2) nkhokwe za miyezi 12 zowerengedwa pa PI (Osati PITIA wobwereketsa wina wofunikira);
3) Palibe paystub / W-2 / msonkho kubweza zofunika;
4) Ndalama zamphatso zololedwa;
5) Ngongole ndalama mpaka $2.5M;
6) Malipiro otsika ngati 30%;
7) Min. Mtengo wa FICO680.

WVOE ndi chiyani?

Kodi mudawonapo mlandu wotere?
Kodi Wobwereketsa adasintha ma paystubs mobwerezabwereza?
Kodi wobwereketsayo adawerengera ndalama zomwe mumapeza ndikukuuzani kuti simukuyenera kubweza ngongole yanyumba?
Kodi ndinu ovuta kupeza makope anu a W2s kapena paystubs?

Kubwereketsa kwa AAA kumakupatsirani pulogalamu Yabwino Yopanda QM - WVOE (Kutsimikizira Zolemba Ntchito). Ngati obwereketsa omwe amalipidwa alandira malipiro osasinthasintha kapena malipiro kuchokera kwa owalemba ntchito pobwezera ntchito yomwe wapatsidwa ndipo alibe umwini kapena chiwongola dzanja chochepera 25% cha umwini mubizinesiyo.

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, mlungu uliwonse, mlungu uliwonse, 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.

Kodi ubwino wake ndi wotani?

Pa pulogalamu iyi, wobwereketsa amangofunika fomu ya WVOE kuti awerengere ndalama zoyenerera, osafunikira zikalata zina za ndalama. Iyi iyenera kukhala nsonga yowoneka bwino kwambiri ya pulogalamuyi. Palibe ngongole zabungwe zomwe zingachite pulogalamu yotere. Kupatula apo, mosiyana ndi mapulogalamu ena, obwereka safunikira kupereka zikalata zambiri za pulogalamuyi. Mwambiri, iyi ndi pulogalamu yabwino kwa obwereketsa omwe amalandila malipiro omwe sakuyenera kubwereketsa mabungwe.

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: Malipiro amwezi pamwezi ochulukitsa ndi 2 akufanana ndi ndalama zomwe amapeza pamwezi.
- Bi-sabata iliyonse: Malipiro a milungu iwiri ochulukitsa ndi 26 ogawidwa ndi 12 akufanana ndi ndalama zomwe amapeza pamwezi.
- Aphunzitsi amalipidwa kwa miyezi 9: Malipiro apamwezi ochulukitsidwa ndi miyezi 9 ogawidwa ndi miyezi 12 akufanana ndi ndalama zoyenerera pamwezi.

Kumbutsani olemba ntchito kuti alembe fomu ya WVOE, ndiye kuti wobwereketsa apitiliza ndi ngongoleyo mwachangu.