11/15/2023

Nhanganyaya

A bank statementchikwereti imhando yemortgage inobvumira vanokwereta kuti vakwanise zvichienderana nematatimendi ekubhangi pachinzvimbo chetsika dzekuongorora mari.Iyi fomu yechikwereti yakagadziridzwa kunyanya kune vanozvishandira vanokwereta, varidzi vemabhizinesi madiki, uye makondirakiti akazvimirira ane mari isiri yechinyakare.

Muchinyakare chekubhadhara chikwereti, iwe unowanzo kudiwa kuti upe W-2 muhoro mitsara, mari yemutero inodzoka, uye dzimwe nguva kubhadhara stubs kuratidza mari yako.Nekudaro, kune vanhu vasingashandiswe sechinyakare, magwaro aya anogona kusaratidza zvizere kugona kwavo kwemari.

Apa ndipo pane abank statementchikwereti chinouya. Kuti ukwanise kuwana rudzi urwu rwechikwereti, pachinzvimbo chemutero kana maW-2s, unopa mwedzi gumi nemiviri kusvika makumi maviri nemina yemasitatimendi ekubhangi.Mukweretesi aibva averenga mari yaunowana zvichibva pamari yakaiswa mumaakaundi ako panguva iyoyo.

Tichinzwisisa kukosha kwesitetimendi yekubhanga, ngationgororei zvakadzama nezvenyaya yacho, tichibatawo mazwi akakosha anechekuita se'mari yezvipo', uye 'mubhadharo wakabhadharwa kare.'

Zvipo Mari muBangi Statements

Mari yechipo (gift funds) zvinoreva mari inopiwa nenhengo yemhuri kana shamwari yepedyo iyo inoshandiswa kubatsira pakutenga imba.Kazhinji, mari idzi dzinoshandiswa pakubhadhara pasi kana kuvhara mari yechikwereti.Kunowanikwa mari yechipo vabereki, vanasekuru, kana dzimwe nhengo dzepedyo dzemhuri.Zvisinei, zvakakosha kuziva kuti mari idzi dzinofanira kunge dziri chipo kwete chikwereti chinofanira kubhadharwa, zvikasadaro zvinokanganisa chikamu chechikwereti chemukwereti.

Kana zviri zvehukama pakati pechipo mari uyebank statementzvikwereti, izvo zviviri zvinogona kushandiswa pamwechete.Paunenge uchitsvaga chikwereti chebhangi, kambani inokweretesa inoongorora kukwanisa kwemukwereti kubhadhara zvichienderana nemasitetimendi ekubhangi.Kana mari yezvipo iri kushandiswa sechikamu chekubhadhara pasi, ivo vanozoda kuoneka mumatatimendi ebhangi uye kunyorwa zvakanaka.

Kune avo vanozvishandira kana vane mari isiri yechinyakare, zvikwereti zvebhengi zvakasanganiswa nemari yezvipo zvinogona kuve nzira inobatsira yekuchengetedza imba.Nekudaro, kujeka uye magwaro akakodzera kwakakosha kuti uve nechokwadi chekuti zvese zvemari zvinogamuchirwa uye kubvumidzwa nesangano rinokweretesa.

Prepaid Payment Penalty
Chirango chekubhadhara kare chikamu muchibvumirano chechikwereti chinoti mukwereti achabhadharwa muripo kana akabhadhara chikwereti chisati chapera.Chikonzero chiri shure kweizvi ndechokuti vanokweretesa vanotarisira kuti imwe mari yemubereko ichabhadharwa pamusoro pehupenyu hwechikwereti, uye kana iwe ukabhadhara chikwereti ichi nguva isati yakwana, ivo vanorasikirwa neimwe yezvibereko izvozvo.Chirango cheprepayment chinobatsira kudzikamisa chimbadzo ichi chakarasika.

Nekudaro, cherechedza kuti zvinoenderana nemutemo wemubatanidzwa weUS, vanokweretesa vanorambidzwa kupa mutongo wekubhadhara kare kupfuura makore matatu ekutanga enguva yechikwereti.Yedubank statementchirongwa's Prepaid Payment Penalty ndiyo 5% yesara yechikwereti chasara.Asi MD Investment for No Prepaid Payment Penalty chete.

Mhedziso

Mukupedzisa, thebank statementzvikwereti, mari yezvipo, uye zvirango zvekubhadhara kare zvinogona kupesana.Kunzwisisa nuances yezvinhu izvi zvemari kwakakosha pakubata hutano hwako hwemari uye kuwana yakabudirira mvumo yechikwereti.Kunyangwe iwe ndiwe unopa mari yechipo kana kuvagamuchira, kana kuronga kubhadhara chikwereti chako kare, kuchengetedza yakazara chirevo chebhangi uye kunzwisisa iwo chaiwo mazwi echikwereti chako kunogona kuchengetedza mari uye kuchengetedza ramangwana rako rezvemari.

Nezve AAA Lendings

Yakavambwa muna 2007, AAA Lendings yave inotungamira mukweretesi wemondi ane anopfuura makore gumi nemashanu ekunaka.Yedu yepakona iri kupa isingaenzaniswi sevhisi uye kuvimbika, kuve nechokwadi chekugutsikana kwakanyanya kwevatengi vedu.

Nyanzvi muhuwandu hwakawanda hweZvisiri-QM zvigadzirwa-kusanganisiraNo Doc Hapana Chikwereti, Kuzvigadzirira P&L, WVOE, DSCR, Bank Statements, Jumbo, HELOC, Close End Secondzvirongwa—tinotungamira mumusika wechikwereti we'Non-QM'.Isu tinonzwisisa kuomarara kwekuchengetedza zvikwereti uye tine akasiyana 'Chikwereti Arsenal' kusangana nematambudziko aya.Kupinda kwedu kwekutanga mumusika weNon-QM kwakatipa hunyanzvi hwakasiyana.Nhamburiko dzedu dzokupayona zvinoreva kuti tinonzwisisa zvidikanwi zvako zvemari zvakasiyana.NeAAA Lendings, kusvika pazvinangwa zvako zvemari zviri nyore uye zvinowanika.

Tabatsira mhuri dzinoda kusvika zviuru makumi mashanu kuti zviroto zvadzo zvemari zvizadziswe, nemari yechikwereti ichipfuura mabhiriyoni makumi maviri emadhora.Kuvapo kwedu kwakakosha munzvimbo dzakakosha seAZ, CA, DC, FL, NV, uye TX zvinotitendera kuti tishumire huwandu hwevanhu.

Nevanopfuura zana vakazvipira vamiririri uye vari-mumba vanonyora pasi uye zvikwata zvekuongorora, isu tinoona yakagadziridzwa uye isina kunetseka-yekukwereta maitiro.

VhidhiyoBank Statement – ​​A Deeper Dive

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.