CPA P&L Zvikwereti: Sarudzo Iri Nani kune Vanozvishandira Vanokwereta

CPA Yakagadzirirwa P&L Zvikwereti igadziriso yemonji inogadziridzwa yakarongedzerwa kuzvidzora.employedvanhu vanosangana nematambudziko nemaitiro ekukweretesa echinyakare nekuda kwemaitiro avo akasiyana emari. Zvikwereti izvi zvinobvumira vanokwereta kuti vashandise Profit and Loss (P&L) statement yakagadzirwa neCertified Public Accountant (CPA) pachinzvimbo chekuvimba nemitero inodzoka kuti vaone mari yavanowana. Iyi nzira inonyanya kubatsira kune vanozvishanda vane mitero yemitero inogona kusanyatsoratidza mamiriro avo emari nekuda kwekubviswa kwebhizinesi kana kushanduka kwemari.

Kune vanokwereta vanozvishandira vari kutsvaga muridzi wemba pasina zvipingaidzo zvekudzosera mutero, CPA Yakagadzirira P&L Zvikwereti zvinopa nzira yakakwenenzverwa kumberi. Zvikwereti zvechivanhu zvinowanzoda magwaro emari anowirirana kuburikidza nemitero inodzoka, izvo zvinogona kunetsa kune vanhu vanozvishandira vane mihoro inosiyana zvakanyanya gore negore kana vanobatsirwa nekubviswa kwakawanda kwebhizinesi kunodzikisa mari yavo yemutero. Kusiyana neizvi, CPA-yakagadzirirwa P&L chirevo chinopa vanokweretesa mufananidzo wakajeka wekuita kwebhizinesi munguva pfupi yapfuura - kazhinji mukati memwedzi gumi nemiviri kusvika makumi maviri nemina yapfuura - zvichiita kuti vakwanise kuongorora huwandu hwekubhadhara zvichibva pamihoro chaiyo kwete zvikwereti zvemutero.

Chimwe chezvinhu zvinomira pazvikwereti izvi ndechekuti hapana kudzoka kwemutero kunodiwa. Pane kudaro, CPA-yakagadzirirwa P&L chirevo chinoshanda segwaro rekutanga rekuona mari. Izvi hazvingorerutsa iyo application proIZVIasi zvakare inowedzera mikana yemvumo kune vanhu vanozvishandira avo vangangonetsekana nemaitiro akajairwa emumba. Pamusoro pezvo, vazhinji vanokweretesa vanopa zvikwereti izvi vanopa mazwi anochinjika senge makore makumi matatu emitengo yakatarwa, kuve nechokwadi chekutsiga kwekubhadhara kwenguva refu-yakakosha kufunga kune vanokwereta vane mihoro inosiyana vanokoshesa kufanotaura mune yavo zvisungo zvemari.

Imwe bhenefiti yakakosha ndeyekuti mari yechipo inogamuchirwa pakubhadhara pasi pasi pezvirongwa zvakawanda. Vanokweretesa vanowanzobvumira vanokwereta kushandisa mari yezvipo kubva kumhuri kana shamwari sechikamu chekubhadhara kwavo pasi ivo vachiri kuda kuti vape chimwe chikamu kubva mumari yavo-kazhinji inokwana 5% - kuratidza kuzvipira kwemari. Iyi ficha inoita kuti kuve nemusha kuwanikwe kune vanhu vanozvishandira vanogona kunge vasina mari yakawanda yekuchengeta asi vachivimba nerutsigiro kubva kune vadikani.

Uyezve, CPA Yakagadzirirwa P&L Zvikwereti zvinowanzokodzera kuwana mari isiri-warrantable condos, ari macondominiums asingasangane neyakajairwa nhungamiro dzakatarwa nemabhizinesi anotsigirwa nehurumende akaita saFannie Mae kana Freddie Mac nekuda kwezvinhu zvakaita semuridzi wekudyara mukuru kana nzvimbo yekutengeserana mukati mechivako. Vazhinji vasina-vanokwanisa kukwereta (vasiri-QM) vanokweretesa vane hunyanzvi mune izvi zvikwereti vakavhurika kuti vawane mari zvivakwa zvakadaro, nekudaro vachiwedzera sarudzo dzedzimba kune vanokwereta vanofarira macondos angangove asina kubatanidzwa kubva kune echinyakare zvirongwa zvembanje.

Panyaya yemari yechikwereti, CPA yedu Yakagadzirira P&L Chikwereti inogona kusvika nhamba dzakakura-kazhinji kusvika kumadhora 3.5 miriyoni. Chikwereti mamakisi zvinodiwa zvinowanzotanga 660 yematemu akajairwa.

Muchidimbu, CPA Yakagadzirira P&L Zvikwereti zvinopa imwe yakakosha kune vanhu vanozvishandira vari kutsvaga kutenga kana kugadzirisa imba pasina kuvimba nemitero inodzoserwa. Nezvimiro senge pasina mutero wekudzorera zvinodiwa, kugamuchirwa kwechipo mari, kukodzera kweasina-warrantible condos, uye yenguva refu-yemakore makumi matatu yakatarwa mitengo, zvikwereti izvi zvakagadzirirwa kusangana nezvinodiwa zvakasiyana zvevakwereta vane mari isiri yechinyakare. Nekushandisa chirevo cheCPA-yakagadzirirwa P&L pachinzvimbo chekudzorera mutero, zvikwereti izvi zvinopa kuongororwa kwakaringana kwehutano hwemari uye mikova yakavhurika kuvaridzi vemba inogona kuramba yakavharwa.