Ngongole za Bank Statement: Njira Yosinthika Yopezera Ndalama Zochita Kuchita Bwino

Kwa inu-ntchitoobwereketsa, njira yobwereketsa nyumba imatha kumva kukhala yoletsa, nthawi zambiri imafuna kubweza msonkho komwe sikuwonetsa ndalama zawo zenizeni. Mwamwayi, ngongole ya Bank Statement Loan imapereka njira yatsopano, yopangidwira makamaka kwa obwereka okha omwe akufuna kudutsa zovutazo. Popanda kubweza msonkho komwe kumafunikira, ngongoleyi imadalira mawu aku banki kuti atsimikizire zomwe mumapeza, ndikupangitsa kuti ikhale njira yodziwika bwino kwa eni mabizinesi ndi ochita malonda chimodzimodzi. Ngongole ya Bank Statement Loan imatembenuza zenizeni zanu zachuma kukhala mwayi wangongole.

Mosiyana ndi ngongole zanthawi zonse, ngongole ya Bank Statement Loan imagwiritsa ntchito miyezi 12 ya akaunti yakubanki —yaumwini kapena bizinesi — kuwerengera ndalama zomwe mumapeza. Njira yonseyi imalumphira kubweza msonkho kwathunthu, zomwe ndi mpumulo kwa obwereketsa omwe adzilemba okha omwe kuchotsedwa kwawo kungachepetse ndalama zomwe amapeza. Kaya mukutumiza1099mafomu ngati makontrakitala kapena oyendetsa bizinesi yaying'ono, Bank Statement Loans imayang'ana kwambiri momwe ndalama zanu zikuyendera, osati zolemba zanu zamisonkho. Ndilothandiza, lathunthu la doc yankho logwirizana ndi zosowa za obwereketsa omwe adzilemba okha ntchito.

Chomwe chimasiyanitsa Ngongole za Bank Statement ndi kulekerera kwawo ndi ngongole ndi ndalama. Ngongole zanyumba nthawi zambiri zimakana ofunsira ngati DTI yawo ikwera 50%, koma Bank Statement Loans imalandira DTI yopitilira 50%. Kusinthasintha uku ndi njira yopulumutsira obwereketsa omwe amadzipangira okha ndalama zomwe amagulitsa bizinesi ndi ndalama zawo, kutsimikizira kuti DTI yapamwamba sikutanthauza kuti simungakwanitse kubwereketsa. Ndi DTI yopitilira 50% yovomerezeka, mankhwalawa amagwirizana ndi zomwe muli nazo.

Zopindulitsa sizikuthera pamenepo. Ngongole za Bank Statement zimachokera ku $150,000 mpaka $3.5 miliyoni ndikuthandizira kugula, kubweza ndalama, kapena kubweza nyumba zoyambira, malo otchulira, kapena renti-ngakhale macondo osavomerezeka. Mufunika mphambu 660 zangongole, ndipo zosankha zikuphatikiza chiwongola dzanja chazaka 30 kapena dongosolo la Chidwi Chokha. Obwereka odzilemba okha amatha kutseka pansi pabizinesi, ndipo palibe kubweza msonkho komwe kumafunikira kumapangitsa kuti ntchitoyi ikhale yabwino.

Ngakhale mutakumana ndi zopinga monga bankirapuse kapena kugulitsa kwakanthawi, Ngongole za Bank Statement ndizosankha pakatha zaka zitatu. Njira ya 1099 imagwira ntchito kwa ogwira ntchito odziyimira pawokha, ndikukulitsa mwayi wopezeka. Poika patsogolo malipoti a kubanki ndi kuvomereza DTI yoposa 50%, Bank Statement Loans imapatsa mphamvu obwereka okha kuti apeze ndalama zomwe zikuwonetsa kupambana kwawo kwenikweni. Ngati mwakonzeka kupita patsogolo popanda vuto lakubwezera msonkho, iyi ikhoza kukhala yankho lanu labwino.