Ngongole za CPA P&L: Kusankha Bwino kwa Obwereketsa Odzilemba Ntchito

CPA Konzekerani P&L Ngongole ndi nzeru yobwereketsa yankho ogwirizana makamaka kudzikonda.ntchitoanthu omwe amakumana ndi zovuta zokhudzana ndi kubwereketsa kwachikhalidwe chifukwa cha njira zomwe amapeza. Ngongolezi zimalola obwereketsa kugwiritsa ntchito mawu a Phindu ndi Kutayika (P&L) okonzedwa ndi Certified Public Accountant (CPA) m'malo modalira misonkho kuti atsimikizire zomwe amapeza. Njira imeneyi ndi yopindulitsa makamaka kwa akatswiri odzilemba okha omwe misonkho yawo ya msonkho sangasonyeze bwino momwe alili panopa chifukwa cha kuchotsedwa kwa bizinesi kapena kusinthasintha kwa ndalama zomwe amapeza.

Kwa obwereketsa odzilemba okha omwe akufuna kukhala ndi nyumba popanda zopinga za msonkho, CPA Prepared P&L Loans imapereka njira yowongoka. Ngongole zanyumba zachikhalidwe nthawi zambiri zimafuna zolemba zofananira za ndalama zomwe amapeza kudzera m'makalata amisonkho, zomwe zimatha kukhala zovuta kwa anthu odzilemba okha omwe ndalama zawo zimasiyanasiyana chaka ndi chaka kapena omwe amapindula ndi kuchotsera ndalama zambiri zamabizinesi zomwe zimatsitsa ndalama zomwe amapeza. Mosiyana ndi zimenezi, ndondomeko ya P&L yokonzedwa ndi CPA imapatsa obwereketsa chithunzithunzi chomveka bwino cha momwe bizinesi yayendera posachedwa - makamaka m'miyezi 12 mpaka 24 yomaliza - kuwapangitsa kuwunika momwe angabwezere kutengera zomwe amapeza osati ngongole zamisonkho.

Chimodzi mwazinthu zodziwika bwino za ngongoleyi ndikuti palibe kubweza msonkho komwe kumafunikira. M'malo mwake, mawu a P&L okonzedwa ndi CPA amakhala ngati chikalata choyambirira chotsimikizira ndalama. Izi sizimangofewetsa pulogalamu ya proIZIs komanso kumawonjezera mwayi wovomerezeka kwa anthu odzilemba okha omwe mwina akukumana ndi zovuta zanthawi zonse zobwereketsa nyumba. Kuphatikiza apo, obwereketsa ambiri omwe amapereka ngongolezi amapereka mawu osinthika monga mitengo yokhazikika yazaka 30, kuwonetsetsa kukhazikika kwamalipiro anthawi yayitali-chinthu chofunikira kwambiri kwa obwereketsa omwe amapeza ndalama zosinthika omwe amafunikira kuneneratu zandalama zawo.

Ubwino winanso waukulu ndikuti ndalama zamphatso ndizovomerezeka pakubweza pansi pamapulogalamu ambiri. Obwereketsa nthawi zambiri amalola obwereketsa kugwiritsa ntchito ndalama zamphatso zochokera kwa achibale kapena anzawo monga gawo la zolipira zawo pomwe amafunikirabe kuti aperekeko gawo lina la ndalama zawo—makamaka 5%—kuti asonyeze kudzipereka kwawo. Izi zimapangitsa kuti eni nyumba azipezeka mosavuta kwa anthu odzilemba okha omwe sangakhale ndi ndalama zambiri koma amadalira thandizo lochokera kwa okondedwa awo.

Komanso, CPA Prepared P&L Ngongole nthawi zambiri amakhala oyenera kupereka ndalama zosagwirizana ndi zovomerezeka, zomwe ndi ma condominiums omwe samakumana ndi malangizo omwe amakhazikitsidwa ndi mabungwe omwe amathandizidwa ndi boma ngati Fannie Mae kapena Freddie Mac chifukwa cha zinthu monga umwini wamalonda wamkulu kapena malo ogulitsa mkati mwa nyumbayo. Obwereketsa ambiri omwe sali oyenerera (omwe si a QM) okhazikika pangongolezi ali ndi mwayi wopeza ndalama zogulira zinthu ngati izi, motero amakulitsa njira zopangira nyumba kwa obwereketsa omwe ali ndi chidwi ndi ma condos omwe mwina sangachotsedwe kumapulogalamu achikhalidwe chanyumba.

Pankhani ya ndalama zangongole, Ngongole yathu ya CPA Yokonzekera P&L imatha kufikira ziwerengero zochulukirapo-nthawi zambiri mpaka $3.5 miliyoni. Zofunikira pakubweza ngongole nthawi zambiri zimayambira 660 pamawu wamba.

Mwachidule, Ngongole za CPA Zokonzekera za P&L zimapereka njira ina yofunika kwambiri kwa anthu odzilemba okha omwe akufuna kugula kapena kukonzanso nyumba popanda kudalira kubweza msonkho. Ndi zinthu monga kusabweza msonkho, kuvomereza ndalama zamphatso, kuyenerera kwa ma condos osavomerezeka, komanso mitengo yokhazikika yazaka 30 zanthawi yayitali, ngongolezi zimakonzedwa kuti zikwaniritse zosowa zapadera za obwereka omwe alibe njira zopezera ndalama. Pogwiritsa ntchito ndondomeko ya P&L yokonzedwa ndi CPA m'malo mobweza msonkho, ngongole izi zimapereka kuwunika kolondola kwachuma komanso zitseko zotseguka za eni nyumba zomwe zitha kukhala zotsekedwa.