11/15/2023

Mawu Oyamba

A bank statementNgongole ndi mtundu wangongole womwe umalola obwereketsa kuti ayenerere kutengera zikalata zakubanki m'malo mwa njira zotsimikizira ndalama zomwe amapeza.Ngongole iyi idapangidwa makamaka kwa obwereketsa okha, eni mabizinesi ang'onoang'ono, ndi makontrakitala odziyimira pawokha omwe alibe njira zopezera ndalama.

Pogwiritsira ntchito ngongole yanyumba, nthawi zambiri mumayenera kupereka ziganizo za malipiro a W-2, kubweza msonkho wa ndalama, ndipo nthawi zina mumalipira ndalama zowonetsera ndalama zanu.Komabe, kwa anthu omwe sali pantchito, zolembazi sizingawonetse mphamvu zawo zachuma.

Apa ndi pamene abank statementNgongole imabwera. Kuti muyenerere kulandira ngongole yamtunduwu, m'malo mopereka msonkho kapena ma W-2s, mungapereke miyezi 12 mpaka 24 ya zikalata zakubanki.Wobwereketsayo amawerengera ndalama zomwe mumapeza potengera ndalama zomwe zasungidwa muakaunti yanu panthawiyo.

Pomvetsetsa kufunikira kwa sitetimenti ya kubanki, tiyeni tifufuze mwatsatanetsatane, komanso kukhudza mawu ofunikira monga 'ndalama zamphatso', ndi 'chilango cholipiriratu.'

Ndalama za Mphatso mu Zikalata Zakubanki

Ndalama zamphatso zimatanthawuza ndalama zoperekedwa ndi wachibale kapena bwenzi lapamtima zomwe zimagwiritsidwa ntchito pogulira nyumba.Kawirikawiri, ndalamazi zimagwiritsidwa ntchito pobweza kapena kutseka mtengo wa ngongole.Nthawi zambiri amapereka mphatso ndi makolo, agogo, kapena achibale ena apamtima.Komabe, ndikofunikira kuzindikira kuti ndalamazi ziyenera kukhaladi mphatso osati ngongole yomwe iyenera kubwezeredwa, apo ayi imakhudza chiŵerengero cha ngongole ndi ndalama za wobwereka.

Ponena za ubale wa ndalama zamphatso ndibank statementngongole, awiriwa angagwiritsidwe ntchito palimodzi.Pofunsira ngongole yobwereketsa ndalama ku banki, kampani yobwereketsa iwunika momwe wobwerekayo angalipire potengera masitatimendi akubanki.Ngati ndalama zamphatso zikugwiritsidwa ntchito ngati gawo lazolipira, ziyenera kuwonekera muzolemba za banki ndikulembedwa bwino.

Kwa iwo omwe amadzilemba okha ntchito kapena omwe alibe ndalama zachikhalidwe, ngongole zamasitetimenti ku banki kuphatikiza ndi ndalama zamphatso zitha kukhala njira yothandiza yopezera ngongole yanyumba.Komabe, kuwonekera poyera komanso zolemba zoyenera ndizofunikira kuti zitsimikizire kuti zonse zachuma zikuvomerezedwa ndikuvomerezedwa ndi bungwe lobwereketsa.

Chilango Cholipiriratu
Chilango cholipiriratu ndi chigamulo mu mgwirizano wa ngongole yomwe imanena kuti wobwereka adzalipidwa ngati alipira ngongoleyo isanathe.Cholinga cha izi ndi chakuti obwereketsa amayembekezera kuti chiwongoladzanja chilipidwe pa moyo wonse wa ngongoleyo, ndipo ngati mutabweza ngongoleyo msanga, amaphonya zina mwazochitazo.Chilango cholipiriratu chimathandizira kuthetsa chiwongola dzanja chotayikachi.

Komabe, dziwani kuti malinga ndi malamulo a federal ku US, obwereketsa saloledwa kupereka chilango cholipiriratu kupyola zaka zitatu zoyambirira za nthawi yobwereketsa.Zathubank statementPulogalamu Yolipiriratu Chilango ndi 5% ya ngongole yotsalayo. Koma MD Investment Yopanda Chilango Cholipiriratu Pokhapokha.

Mapeto

Pomaliza, abank statementngongole, ndalama zamphatso, ndi zilango zolipiriratu nthawi zambiri zimatha kudutsana.Kumvetsetsa zovuta zazachuma izi ndizofunikira pakuwongolera thanzi lanu lazachuma ndikupeza chivomerezo cha ngongole yabwino.Kaya ndimwe mukupereka ndalama zamphatso kapena kuzilandira, kapena mukukonzekera kubweza ngongole yanu kale, kukhalabe ndi chikalata chokwanira cha banki ndikumvetsetsa zomwe mukufuna kubwereketsa kumatha kusunga ndalama ndikuteteza tsogolo lanu lazachuma.

Zambiri za AAA Lendings

Yakhazikitsidwa mu 2007, AAA Lendings yakhala wobwereketsa wotsogola wazaka zopitilira 15.Mwala wathu wapangodya ukupereka ntchito zosayerekezeka ndi kudalirika, kuonetsetsa kuti makasitomala athu akukhutira kwambiri.

Kukhazikika pamitundu yambiri yazinthu zomwe si za QM kuphatikizaNo Doc Palibe Ngongole, Self Prepared P&L, WVOE, DSCR, Malipoti a Banki, Jumbo, HELOC, Tsekani Mapeto Achiwirimapulogalamu - timatsogolera msika wa ngongole wa 'Non-QM'.Timamvetsetsa zovuta zopezera ngongole ndipo tili ndi 'Loan Arsenal' yosiyanasiyana kuti tithane ndi zovuta izi.Kulowa kwathu koyambirira pamsika wa Non-QM kwatipatsa ukadaulo wapadera.Khama lathu lochita upainiya likutanthauza kuti timamvetsetsa zosowa zanu zachuma.Ndi AAA Lendings, kukwaniritsa zolinga zanu zachuma ndikosavuta komanso kotheka.

Tathandiza mabanja pafupifupi 50,000 kuti akwaniritse maloto awo azachuma, ndipo ndalama zobweza ngongole zimaposa $20 biliyoni.Kukhalapo kwathu kofunikira m'malo ofunikira monga AZ, CA, DC, FL, NV, ndi TX kumatithandiza kukhala ndi anthu ambiri.

Pokhala ndi othandizira odzipereka opitilira 100 komanso magulu olembera kunyumba ndi owunikira, timawonetsetsa kuti njira yobwereketsa yokhazikika komanso yopanda nkhawa.

Kanema:Bank Statement - Kuzama Kwambiri

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.