CPA P&L Zvikwereti vs. Bank Statement Zvikwereti: Ndeipi Yakakukodzera Iwe?

Paunenge uchitsvaga nyika yezvivakwa zvekuzvishandira, kusarudza iyo yakakodzera chikwereti sarudzo inogona kuve yakaoma. Nzira mbiri dzakakurumbira kune dzechinyakare mortgages dziriCPAPrepared Profit and Loss (P&L) Zvikwereti uye Bank Statement Zvikwereti. Imwe neimwe inopa mabhenefiti akasiyana, kunyanya kune vanokwereta vasingavimbe nemitero inodzosa kuratidza kugona kwavo kuwana. Kunzwisisa misiyano yakakosha pakati pemhando dzezvikwereti izvi zvinogona kukubatsira kuita sarudzo ine ruzivo zvichienderana nemamiriro ako emari.

Misiyano Yakakosha Pakati peCPA Yakagadzirira P&L Zvikwereti uye Bank Statement Zvikwereti

Musiyano mumwe wakakosha pakati peCPA Yakagadzirira P&L Zvikwereti uye Bank Statement Zvikwereti zviri mune zvavanoda zvinyorwa:

• CPA Yakagadzirira P&L Zvikwereti: Zvikwereti izvi zvinoda zvakadzama Profit uye Kurasikirwa (P&L) chirevo chinogadzirwa uye chakasainwa neane rezinesi Certified Public Accountant (CPA).

• Bank Statement Loans: Zvikwereti izvi zvinoda masitatimendi emubhangi achangoburwa anoratidza kubuda kwemari kusingachinji asi zvisingadi hazvo chirevo chakagadzirirwa neCPA.

Dzese CPA Yakagadzirira P&L uye Bank Statement Chikwereti mhando dzinobvisa kudiwa kwekudzoserwa mutero, izvo zvinonyanya kubatsira kune vanozvishandira vanokwereta avo mafomu emutero anogona kusanyatso ratidza zvizere kugona kwavo kwemari nekuda kwekubviswa kwakasiyana kana kunyora-off. Zvisineyi, CPA Yakagadzirira P&L Zvikwereti inogona kupa maonero akadzama ekubatsira kwemukwereti, sezvo zvikwereti izvi zvichiongorora mari inowanwa mushure mekushandisa, zvichienzaniswa nemari inoonekwa mumasitetimendi ebhangi.

Property Types:

Zvese zviri zviviri CPA Yakagadzirira P&L uye Bank Statement Chikwereti zvirongwa zvinopa mari kune yakafara mhando yezvivakwa, kusanganisira dzimba dzekutanga, dzimba dzechipiri, uye zvivakwa zvekudyara. Pamusoro pezvo, ivo vari vaviri vanobvumira macondos asina-warantiki, ayo anogona kunge asiri akakodzera nguva dzose pasi pechinyakare remba. Izvi zvinopa kuchinjika kukuru kune vanokwereta vari kutsvaga kuwana mari yakasarudzika mhando dzezvivakwa.

Down PaymentKuchinjika:

Zvinodiwa zvekubhadhara pasi pemhando mbiri idzi dzechikwereti zvinosiyana zvishoma:

• CPA Yakagadzirirwa P&L Zvikwereti zvinowanzoda muripo wepasi we20%.
• Bank Statement Zvikwereti, kune rumwe rutivi, zvingangoda kubhadhara pasi zvakaderera se10%.

Zvese zviri zviviri CPA Yakagadzirira P&L Zvikwereti uye Bank Statement Zvikwereti zvinobvumira kushandiswa kwechipo mari kune yakaderera kubhadhara uye mari yechikwereti. Nekudaro, vanokwereta vanofanirwa kupa ingangoita 5% yemutengo wekutenga kubva mumari yavo.

Mitemo yeKukwereta uye Mari dzechibereko:

Zvose CPA-Yakagadzirira P&L uye Bank Statement Chikwereti chinopa mazwi emakwikwi, anosanganisira 30-gore yakatarwa mwero, kuve nechokwadi chekubhadhara kwenguva refu. Kufarira-Chete sarudzo (kusvika kumakore gumi) inowanikwawo.

Mari dzemhindu dzemhando mbiri dzezvikwereti dzinowanzo kwira zvishoma pane dzenguva dzose nekuda kwenjodzi yakawedzerwa inosanganisirwa nezvikwereti zvisiri zveQM (zvisina kukodzera mortgage). Mitengo inowanzobva pa7% kusvika pa9%, zvichienderana nemamiriro emusika uye chimiro chemukwereti.

Nguva Yekusarudza Rudzi Rwose rweChikwereti:

• CPA Yakagadzirira P&L Zvikwereti: Iyi sarudzo yakanaka kana bhizinesi rako riine mari dzakakura dzinoderedza mari yaunowana pamitero inodzoserwa asi ichiratidza pundutso kuburikidza neyakadzama P&L statement. Pamusoro pezvo, CPA Yakagadzirirwa P&L Zvikwereti zvinopa kuchinjika zvakanyanya kana zvasvika kumhando dzezvivakwa, kusanganisira dzisiri-warrantible condos.

• Bank Statement Zvikwereti: Sarudza rudzi urwu rwechikwereti kana bhizinesi rako riine mari isingachinjiki inoratidzwa mumadhipoziti ako ekubhangi uye usingade kubatanidza CPA mukugadzirira zvinyorwa zvako. Bank Statement Zvikwereti zvinogonawo kupa nekukurumidza kubvumidzwa nguva, sezvo masitatimendi ekubhangi achiwanzo kurumidza kuwana pane CPA-yakagadzirirwa P&L statement.

Mhedziso:

Zvese zviri zviviri CPA Yakagadzirira P&L Zvikwereti uye Bank Statement Zvikwereti zvinopa nzira dzakakosha kune vanhu vanozvishandira vari kutsvaga zvikwereti pasina kudiwa kwemutero. Sarudzo chaiyo inoenderana nemagadzirirwo emari yako yebhizinesi uye kuti ndeipi nzira yekunyora inonyatsoratidza kugadzikana kwako kwemari. Kunyangwe kuburikidza nemubairo wakazara unoratidzwa pane CPA-yakagadzirirwa P&L statement kana kuyerera kwemari kunoratidzwa nemasitetimendi ekubhangi, kubvunzana nenyanzvi dzemortgage dzinonyanya kuita zvikwereti zvisiri zveQM zvinogona kukubatsira kuona sarudzo yakanyanya kunaka pane zvaunoda. Mabhenefiti akakosha emarudzi ese echikwereti anosanganisira kugamuchirwa kwechipo mari, kukodzera kweasina-warrantible condos, uye kuwana kwenguva refu, yakatarwa-chiyero zvikwereti.