CPA P&L Ngongole vs. Bank Statement Ngongole: Ndi Iti Yoyenera Kwa Inu?

Poyendayenda m'dziko la ngongole zodzipangira okha, kusankha njira yoyenera yobwereketsa kungakhale kovuta. Awiri otchuka njira zina zobwereketsa chikhalidwe ndiCPANgongole Zokonzekera Phindu ndi Kutayika (P&L) ndi Ngongole za Bank Statement. Iliyonse ili ndi phindu lapadera, makamaka kwa obwereka omwe sadalira kubweza msonkho kuti awonetse zomwe amapeza. Kumvetsetsa kusiyana kwakukulu pakati pa mitundu ya ngongoleyi kungakuthandizeni kupanga chisankho mwanzeru malinga ndi momwe mulili ndi ndalama.

Kusiyana Kwakukulu Pakati pa Ngongole Za P&L Zokonzekera za CPA ndi Ngongole Zaku Bank Statement

Kusiyana kwakukulu pakati pa Ngongole za CPA Yokonzekera P&L ndi Ngongole za Bank Statement zagona pazofunikira zawo zolembedwa:

• CPA Konzekerani P & L Ngongole: Ngongole izi amafuna mwatsatanetsatane Phindu ndi Loss (P & L) mawu okonzedwa ndi kusainidwa ndi chiphatso Certified Public Accountant (CPA).

• Ngongole za Bank Statement: Ngongolezi zimafuna sitatimenti yaposachedwa yakubanki yomwe ikuwonetsa kuchuluka kwa ndalama koma sizimafunikira chikalata chokonzekera CPA.

Mitundu yonse iwiri ya CPA Prepared P&L ndi Bank Statement Loan imachotsa kufunikira kwa kubweza msonkho, komwe kumakhala kopindulitsa kwambiri kwa obwereketsa omwe adzilemba okha ntchito omwe zolemba zawo zamisonkho sizingawonetse bwino zomwe amapeza chifukwa cha kuchotsedwa kosiyanasiyana kapena kulemba. Komabe, Ngongole za CPA Yokonzekera P&L zitha kupereka malingaliro ochulukirapo a phindu la wobwereketsa, popeza ngongolezi zimayesa ndalama zonse zikangowonongeka, poyerekeza ndi ndalama zonse zomwe zimawonedwa m'masitetimenti a banki.

Mitundu ya Katundu:

Mapulogalamu onse a CPA Prepared P&L ndi Bank Statement Loan amapereka ndalama zamitundu yosiyanasiyana ya katundu, kuphatikiza nyumba zogona, nyumba zachiwiri, ndi malo opangira ndalama. Kuonjezera apo, onsewa amalola ma condos omwe sali ovomerezeka, omwe sangakhale oyenera nthawi zonse pansi pa ngongole zanyumba. Izi zimapereka kusinthika kwakukulu kwa obwereketsa omwe akufuna kupeza ndalama zamitundu ina yapadera.

Malipiro oyambiraKusinthasintha:

Zofunikira zolipirira mitundu iwiri ya ngongoleyi zimasiyana pang'ono:

• CPA Okonzeka P&L Ngongole zambiri amafuna osachepera pansi malipiro a 20%.
• Bank Statement Ngongole, kumbali ina, ingafunike kubweza ndalama zotsika mpaka 10%.

Onse Ngongole za CPA Yokonzekera P&L ndi Ngongole za Bank Statement zimalola kugwiritsa ntchito ndalama zamphatso pakubweza ndalama zolipirira ndi ngongole. Komabe, obwereketsa ayenera kupereka osachepera 5% yamtengo wogula kuchokera ku ndalama zawo.

Migwirizano ya Ngongole ndi Chiwongola dzanja:

Zonse ziwiri za CPA-Prepared P&L ndi Bank Statement Loan zimapereka mawu opikisana, kuphatikiza chiwongola dzanja chokhazikika chazaka 30, kuwonetsetsa kukhazikika kwamalipiro anthawi yayitali. Njira Yokonda Chidwi Chokha (mpaka zaka 10) ikupezekanso.

Chiwongola dzanja cha mitundu yonse iwiri ya ngongole nthawi zambiri chimakhala chokwera pang'ono kuposa ngongole zanyumba wamba chifukwa cha chiwopsezo chowonjezeka chokhudzana ndi ngongole zanyumba zomwe si za QM (zosayenerera). Mitengo nthawi zambiri imachokera pa 7% mpaka 9%, kutengera momwe msika ulili komanso mbiri ya wobwereka.

Nthawi Yosankha Mtundu Uliwonse Wa Ngongole:

• CPA Yokonzekera Ngongole za P&L: Njira iyi ndiyabwino ngati bizinesi yanu ili ndi ndalama zazikulu zomwe zimachepetsa ndalama zomwe mumapeza pazobweza msonkho koma kuwonetsa phindu kudzera mwatsatanetsatane wa P&L. Komanso, CPA Prepared P&L Ngongole kupereka kusinthasintha kwambiri pankhani katundu mitundu, kuphatikizapo condos sanali warrantable.

• Ngongole za Bank Statement: Sankhani mtundu uwu wa ngongole ngati bizinesi yanu ili ndi ndalama zomwe zikuwonetsedwa m'madipoziti anu aku banki ndipo mukufuna kusaphatikiza CPA pokonzekera zolemba zanu. Ngongole za Bank Statement zingaperekenso nthawi yovomerezeka mwachangu, chifukwa zikalata zaku banki nthawi zambiri zimakhala zachangu kuposa mawu a P&L okonzedwa ndi CPA.

Pomaliza:

Onse Ngongole za CPA Zokonzekera P&L ndi Ngongole za Bank Statement zimapereka njira zina zofunika kwa anthu odzilemba okha omwe akufunafuna ngongole zanyumba popanda kufunikira kwa kubweza msonkho. Chisankho choyenera chimadalira momwe ndalama zabizinesi yanu zimapangidwira komanso njira yolembera yomwe imawonetsa kukhazikika kwanu pazachuma. Kaya kudzera mu phindu lonse lowonetsedwa pa sitetimenti ya P&L yokonzedwa ndi CPA kapena kuchuluka kwa ndalama komwe kumatsimikiziridwa ndi zikalata za banki, kufunsana ndi akatswiri obwereketsa nyumba omwe amakhazikika pa ngongole zomwe si za QM kungakuthandizeni kudziwa njira yabwino kwambiri pazosowa zanu. Phindu lalikulu la mitundu yonse ya ngongole ndi kuvomereza ndalama zamphatso, kuyenerera kwa ma condos osavomerezeka, komanso mwayi wopeza ngongole zanthawi yayitali, zokhazikika.