Gadzirisa Mvumo Yako Yekukwereta Uchishandisa Self P&L Zvinyorwa

Kufambisa nzira yekubvumidza imba muUS inogona kuve ibasa rinotyisa, asi AAAKukweretesaari pano kuti aite nyore. Maitiro avo akasarudzika akatarisana neSelf P&L zvinyorwa ari kushandura nzira iyo vanokwereta vanowana zvikwereti.

AAA Lendings yapedza makore anopfuura 22 ichitarisaNon-Qm Chikweretis, vachisimbisa nzvimbo yavo senyanzvi mumunda. Vakatsigira mhuri dzinopfuura zviuru makumi matanhatu uye zvikwereti zvakavharwa zvakakosha mabhiriyoni maviri emadhora muna 2021 chete. Ichi chiitiko chakakura chinovabvumira kuti vanzwisise zvakasiyana-siyana zvinodiwa zvevakwereta uye kupa mhinduro dzakanangana.

Chinodiwa cheSelf Prepared P&L chete chekushandisa remba ndiyo yakakosha mukana. Semuenzaniso, vatengesi vezvivakwa vanovimba nemari yekurenda vanogona kushandisa iyo DSCR (Debt Service Coverage Ratio) sarudzo. Nekupa Self P&L, vanogona kuratidza kuti zvivakwa zvavo zvekurenda zvinopa mari inokwana kubhadhara mari yemba. Izvi hazvingogadzirise maitiro ekunyorera chete asiwo zvinopa vanoisa mari mukana wekuwedzera mapotifolio avo.

Rimwe boka rinobatsira zvakanyanya kubva pane iyi sarudzo ndeye freelancers. Mafreelancers anowanzo kuve neasina kurongeka emari, zvichiita kuti zviome kupa zvechinyakare mutero kudzoka. Nezvinyorwa zveSelf P&L, vanogona kuratidza mufananidzo wakajeka wemihoro yavo nemari, zvichiita kuti AAA Lendings iongorore kukwanisa kwavo kubhadhara nenzira kwayo.
Zvipupuriro zvakanaka kubva kune vatengi vanotaura zvakawanda pamusoro pekubudirira kweiyi nzira. Vazhinji vanokwereta vakarumbidza timu kuAAA Lendings nehunyanzvi hwavo uye kugona. Vakakwanisa kuvhara zvikwereti mukati menguva pfupi, kazhinji mukati memavhiki maviri, kunyangwe nguva dzakasimba dzakatarwa nevatengesi vanotengesa.

Pamusoro pekureruka kwekushandisa Self P&L, AAA Lendings inopa HELOC (Home Equity Line yeChikwereti) isina muripo wakabhadharwa. Izvi zvakawedzerwa kuchinjika, zvakasanganiswa nesarudzo yechikwereti chenharaunda inopa imwe madhora zviuru zvina mazana mashanu echikwereti, inovaita sarudzo yepamusoro kune vanokwereta. Muchidimbu, kana iwe uchitsvaga iyo yekubvumidza-isina dhizaini yemvumo, usatarise kunze kweAAA Lendings uye mashandisiro avo matsva eSelf P&L zvinyorwa.