Momwe Mungayenerere Ngongole ya CPA Yokonzekera P&L

Kuyenerera CPA Yokonzeka P&L Ngongole kumakhudza masitepe angapo zofunika ndi zofunika zakonzedwa makamaka kwa kudzikonda.ntchitoanthu omwe akufuna kulambalala njira zotsimikizira ndalama zomwe amapeza monga zobweza msonkho. Ngongole izi zimalola obwereketsa kugwiritsa ntchito mawu a Phindu ndi Kutayika (P&L) okonzedwa ndi Certified Public Accountant (CPA) monga umboni wa ndalama zomwe zimawapangitsa kukhala njira yabwino kwa iwo omwe misonkho yawo sikuwonetsa bwino zomwe amapeza chifukwa cha kuchotsedwa kwabizinesi kapena mitsinje yosiyanasiyana ya ndalama.

Chofunikira choyamba ndi chakuti obwereka ayenera kukhalaWodzilemba ntchitondi kukhala ndi 50% ya mabizinesi awo. Kuphatikiza apo, pulogalamuyi imafuna kuti bizinesiyo yakhala ikugwira ntchito kwa zaka zosachepera ziwiri. Izi zikuwonetsa kukhazikika komanso kusasinthika pakubweza ndalama - chinthu chofunikira kwambiri kwa obwereketsa poyesa kubweza.

Kenako pakubwera kukonzekera zolemba. Mwala wapangodya wa ngongolezi ndi ndondomeko ya P & L yokonzekera CPA, yomwe iyenera kuphimba osachepera miyezi 12 yotsiriza (ndipo nthawi zambiri mpaka miyezi 24) ya ntchito zamalonda. Chikalatachi chiyenera kusainidwa ndikulembedwa ndi CPA yovomerezeka ndipo iyenera kufotokoza mwatsatanetsatane ndalama ndi ndalama zomwe zimagwiritsidwa ntchito. Ndikofunikira kuti mawu awa akhale olondola komanso athunthu; kusiyana kulikonse kungachedwetse kapena kuyika pangozi kuvomerezedwa. Obwereketsa opanda ubale womwe ulipo ndi CPA ayenera kuika patsogolo kupeza imodzi mwamsanga.

Ngongole ndi chinthu china chofunikira kuti muyenerere ngongole izi. Timafuna chiwerengero chochepa cha FICO cha 660. Ndipo chofunika chochepa cha malipiro a Down ndi 20%. Chofunika kwambiri, pulogalamu ya CPA Prepared P&L Loan imalola ndalama zamphatso ngati gawo la zolipirira-ngati obwereka amathandizira osachepera 5 % kuchokera ku ndalama zawo. Kusinthasintha kumeneku kungakhale kothandiza makamaka kwa anthu odzilemba okha omwe angafunike thandizo kuti athe kubweza ndalama zomwe amayenera kulipira koma akufuna kuwonetsa kudzipereka kwawo pazachuma.

Kuyenerera kwa mtundu wa katundu ndichinthu chinanso chofunikira. Mosiyana ndi ngongole zanyumba wamba zomwe nthawi zambiri zimaletsa njira zopezera ndalama zamitundu ina monga ma condos omwe sali ovomerezeka, pulogalamu yathu ya CPA Prepared P&L Loan imalola malowa momveka bwino - kukulitsa njira zopangira nyumba kwa obwereketsa omwe ali ndi chidwi ndi ma condos omwe sakukwaniritsa malangizo a Fannie Mae kapena Freddie Mac chifukwa cha zovuta monga umwini wamabizinesi kapena malo ogulitsa nyumba.

Ngongole yathu ya CPA Yokonzekera P&L, nthawi ya Ngongole ndi mitengo yokhazikika yazaka 30, zomwe zimapereka kukhazikika kwamalipiro kwanthawi yayitali - phindu lalikulu kwa obwereketsa omwe amadzilemba okha ntchito omwe angakumane ndi kusinthasintha kwa ndalama koma amafuna kubweza ngongole zodziwikiratu pakapita nthawi.