Chidule cha Bank Statement
Bank Statement: Wobwereka wodzilemba yekha yemwe ali ndi ngongole yabwino kwambiri yemwe ndalama zake zolembedwa pamisonkho sizingawayenerere kukhala ndi nyumba yabwino kwambiri yomwe angakwanitse.
Mulingo:DINANI APA
Mfundo zazikuluzikulu za Bank Statement Program
Konzekerani Ndi:
♦ 12 Miyezi Bank Stmt
♦ Miyezi 12 CPA P&L / WVOE
♦ 1 Yr/2 Zaka Zonse Doc
Zowunikira:
♦ Nthawi Yoyamba Homebuyer Yovomerezeka
♦ Lolani Kutseka Pansi pa LLC
♦ Condo Yosavomerezeka Yololedwa
♦1099(Max Loan Amt $3.0M)
♦MAKAMAKA
Chonde imbani mtengo:
• ngongole ndi $3.5M-$20.0M • 1 Year Full Doc LTV >80%
Chifukwa chiyani timasankha Bank Statement?
Ngakhale eni nyumba ambiri atha kukhala oyenerera kukhala ndi zolemba zonse za ngongole yanyumba, ambiri sakugwirizanabe ndi malangizo a Fannie ndi Freddie pankhani yobwereketsa. Mwamwayi, ngongole za Non-QM ndi zolemba zandalama zamabanki ndi mayankho abwino kwa obwereketsa omwe si achikhalidwe.
Anthu odzilemba okha ali ndi chilolezo cholemba ndalama zambiri zamabizinesi pansi pa IRS Tax Code. Kuchotsa ndalama zomwe amawononga pabizinesi kuchokera ku ndalama zonse zomwe amapeza zimathandiza obwereketsa kuchepetsa kwambiri ngongole zawo zamisonkho, ndipo nthawi zina zimawonetsa kutayika kwathunthu kapena ndalama zosakwanira pachaka. Bank Statement Non-QM Loan ithandiza obwereketsawa kuti ayenerere kubwereketsa nyumba popanda kuwonetsa ma fomu awo amisonkho ndikugwiritsa ntchito masitatimenti awo aku banki kuwonetsa ndalama zenizeni za bizinesi yawo.
Kodi pulogalamuyi ndi yandani?
Pulogalamuyi idapangidwira obwereketsa omwe amadzilemba okha ntchito ndipo angapindule ndi njira zina zoyenereza ngongole. Malipoti a kubanki angagwiritsidwe ntchito ngati njira ina yobwezera msonkho kuti alembe ndalama za wobwereka wodzilemba yekha. Monga umboni wa ndalama, zonse zaumwini ndi / kapena zamalonda zimaloledwa.
Osachepera m'modzi mwa obwereketsa akuyenera kudzilemba ntchito kwa zaka zosachepera ziwiri kuti ayenerere pulogalamuyi. Kukhala ndi umwini wochepera 25% mubizinesi ndikofunikiranso. Izi ndizofunika kuti mudziwe ngati wobwereka ndi wobwereka yekha. Mu ngongole za mabungwe, nthawi zonse timatchula K-1 kapena Ndandanda G; pamene ngongole Non-QM, nthawi zonse tiyenera kalata CPA kutsimikizira umwini weniweniwo.
Nthawi zambiri, wobwereketsayo amawerengera ndalama zoyenerera potenga mtengo wapakati wa depositimenti ya banki m'miyezi 12 kapena 24, ndikuchulukitsa ndi ndalama zomwe zimayendera. Izi ziyenera kukhala ndalama zoyenerera za wobwereka za pulogalamuyi.
Ponena za ndalama zomwe zimawononga, osunga ndalama ambiri omwe si a QM akhoza kukhala ndi chiyerekezo ngati 50%. Ngakhale izi ndizofunikanso zathu, koma ngati CPA yanu ingapereke kalata yokhala ndi zifukwa zomveka, tikhoza kuganizira za ndalama zosinthika chifukwa cha chikhalidwe cha bizinesi ili ndi ndalama zochepa.
Chonde funsani gulu lathu kuti likuwunikeni kwaulere ndalama zomwe mumapeza musanapereke ngongole kuti muthandizire makasitomala anu.
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