Kutsegula Mwini Nyumba: Ngongole za Bank Statement kwa Odzilemba Ngongole

Kwa obwereka odzilemba okha, kupeza ngongole yanyumba kumatha kuwoneka ngati nkhondo yokwera. Obwereketsa achikhalidwe nthawi zambiri amafuna kubweza misonkho ndikulipira, zomwe sizimawonetsa mphamvu zenizeni zazachuma za eni bizinesi. Lowetsani Ngongole ya Bank Statement Loan-njira yosintha masewera yomwe imapangidwira obwereka okha omwe amafunikira njira ina yowonetsera ndalama zawo. Popanda kubweza msonkho kofunikira, ngongoleyi imapatsa mphamvu mabizinesi kuti awonetse awoMalowedwe andalamakugwiritsa ntchito zikalata zakubanki m'malo mwake.

Ngongole ya Bank Statement Loan imalola obwereketsa kuti ayese miyezi 12 ya zikalata zaumwini kapena zamalonda, ndikupereka chithunzi chowonekera bwino cha ndalama za wobwereka popanda kudalira ndalama zonse kuchokera kubwezero la msonkho. Izi ndi zabwino kwa obwereketsa omwe adzilemba okha ntchito omwe kuchotsedwa kwawo misonkho kungachepetse zomwe adapeza koma osakhala ndi kuthekera kwawo kwenikweni kobweza ngongole yanyumba. Kaya ndinu freelancer yokhala ndi mafomu a 1099 kapena eni bizinesi omwe amapeza ndalama mosinthasintha, njira ina iyi imathandizira akatswiriIZIs.

Phindu limodzi lalikulu ndi kusinthasintha kwake ndi kuchuluka kwa ngongole ndi ndalama. Mosiyana ndi ngongole zachikhalidwe zomwe zimawononga DTI pa 50%, Bank Statement Loans imavomereza DTI yopitilira 50%, kutengera obwereka okha omwe ali ndi ndalama zambiri zamabizinesi koma kuyenda kwamphamvu kwandalama. Izi zimapangitsa kuti zikhale zoyenera kwa iwo omwe chuma chawo sichikugwirizana ndi miyezo yamba yobwereketsa.

Kupitilira kusinthika, Ngongole za Bank Statement zimapereka zinthu zothandiza. Ndalama za ngongole zimachokera ku $ 150,000 mpaka $ 3.5 miliyoni, ndi ndalama zochepa za ngongole za 660. Zilipo kuti zigulidwe, kubwereketsa ndalama, kapena kubwezeredwa kwa nthawi yayitali panyumba zomwe zimakhala ndi eni ake, nyumba zachiwiri, kapena katundu wamalonda-kuphatikizapo ma condos omwe sali ovomerezeka. Obwereketsa odzilemba okha amatha kusankha chiwongola dzanja chokhazikika chazaka 30 kapenanso kusankha njira yolipirira Chidwi Chokha. Kuphatikiza apo, mutha kutseka pansi pa dzina labizinesi, kusunga ndalama zanu ndi zabizinesi.

Kwa iwo omwe ali ndi vuto lazachuma m'mbuyomu monga kubwezeredwa kapena kulandidwa, Ngongole za Bank Statement zimapereka njira yopitira patsogolo bola zochitika izi zili zosachepera zaka zitatu. Palibe kubweza msonkho komwe kumafunikira kumatanthauza kuvutikira pang'ono, ndipo njira ya 1099 imawonjezera kusinthasintha kwa makontrakitala odziyimira pawokha.

Mwachidule, Bank Statement Loans imasintha umwini wa nyumba kwa obwereka okha. Poyang'ana kwambiri mawu aku banki ndikuvomereza DTI yopitilira 50%, mankhwalawa amatsegula zitseko zomwe ngongole zanyumba zachikhalidwe nthawi zambiri zimatseka. Ngati ndinu eni bizinesi omwe mukufuna kubwereketsa nyumba yomwe ikuwonetsa thanzi lanu lazachuma, ichi chingakhale chinsinsi chanu kuti muchite bwino.

Kuwerengera Mawu Ofunika Kwambiri: Statement ya Banki, Obwereketsa Odzilemba Ntchito, Palibe Kubweza Msonkho Kofunika, Doc Yathunthu, 1099, DTI Yoposa 50% Yovomerezeka