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Overview

Vanozvishandira vanokwereta chete, vasingakwanise kuenda neagency mortgage zvikwereti, uye vasingade kupa akasiyana magwaro emari.

Details

1) Hapana CPA siginecha inodiwa;
2) Nyika yekunze inobvumirwa;
3) Mari yechikwereti inosvika $10M;
4) 12 mwedzi yakachengetwa yakaverengerwa paPI (Kwete PITIA imwe mukweretesi inodikanwa);
5) Hapana mitero yemitero inodiwa;
6) Chipo mari inobvumirwa;
7) Kubhadhara pasi kwakaderera se30%;
8) Min. FICO 680.

Chirongwa ichi chii? Ndiani anogona kunyorera chirongwa ichi?

Uri mukwereti unozvishandira here?
• Mukweretesi aida here masitimendi ebhangi rako kuti uwane chikwereti? Kana kuti vakweretesi vako vemba vaida kuti iwe usayine mutero unodzoka uye unoda zvinyorwa?
Wakambomiswa here kana kurambwa nevakweretesi vesangano? Vanokweretesa vakamboti "Negwaro redu"
• Unoziva here kuti ungakodzera sei kukwereta imba pasina magwaro emari? Kunyangwe mutero unodzosera / bhizinesi rebhangi zvitatimende, nezvimwe.

Isu AAA Lendings ikozvino inopa yakakodzera Isiri-QM chirongwa chechikwereti chinoshandiswa mumamiriro ari pamusoro, icho chinodaidzwa kuti P&L (Profit & Loss). Chirongwa ichi chakagadzirirwa vanokwereta vanozvishandira uye vangabatsirika nedzimwe nzira dzekukwereta. Ndiko kubatsirwa kwakanakisa kune vanozvishandira. CPA/CTEC/EA yakapedzwa uye yakasainwa P&L inogona kushandiswa seimwe nzira yekudzorera mutero kunyora mari yemukwereti anozvishandira. Pane imwe nguva, tinotogamuchira mukwereti akagadzirira P&L, inovawo rubatsiro rwakanaka kune vamwe vanokwereta.

Nei chirongwa ichi chakagadzirwa?

Kune vanokwereta vanozvishandira, 12/24 mwedzi yebhangi chirevo chirongwa isarudzo iri nani, sezvo chirongwa ichi hachidi madzoro emutero uye bhizinesi rebhangi. Nekudaro, kana vamwe vanyoreri vaine bhizinesi, iro rakaomesera mamiriro emari nematatimendi akawanda emabhangi, chirongwa cheP&L chinogona kunge chiri sarudzo yakanakira iwe. Kubva 12/ 24 mwedzi yebhangi chirevo chirongwa chine painogumira nezve kudiwa kwemabhangi statement; pamwe max. Matatu chirevo chebhangi maakaundi ebhizinesi rimwe, izvo zvingave zvirambidzo zvinotungamira kuP&L chirongwa.

Chii chaunoda kugadzirira kubvumidzwa nekukurumidza?

Paunoendesa chikwereti kune vanokweretesa, vangangoda YTD(Gore-kusvika-Date) P&L (kana kuwedzera gore rakapfuura P&L dzimwe nguva), rezinesi rebhizinesi, CPA tsamba, nezvimwewo. Saka chero nzira yakanaka kune izvo zvinopa pakutanga kutumira kana kana mvumo yechikwereti.
Kunze kwezvo, iwe unofanirwa kutarisa neboka redu rekutumira kuti uverenge mari yekutanga