Isikhungo Somkhiqizo

Uhlolojikelele

Sebenzisa idiphozithi yezinyanga eziyisi-6 zomboleki ukuze usekele imali engenayo eshiwo ngo-1003.

Amaphuzu avelele ohlelo

1) Ayikho i-P&L Edingekayo;
2) Ayikho i-WVOE Edingekayo;
3) izinyanga eziyi-12 ezigciniwe ezibalwe ku-PI;
4) Izimali zesipho zivunyelwe;
5) Imali ebolekiwe efika ku-$2.5M;
6) Thenga & Cha R/T.

Iyini Imali Engenayo Eshiwo Ngeqiniso?

• Uyazi ukuthi ungasebenzisa kanjani impahla kuphela ukuze ufanelekele ukubolekwa imali yendlu?
• Ingabe uye wamiswa noma wenqatshwa umbolekisi ngohlelo lwe-WVOE (Written Verification of Employment)?
• Ingabe impahla yakho ayinakho kangako uma ufuna ukuthenga indlu yakho?
• Ingabe umqashi wakho ubengafuni ukukunikeza ifomu le-WVOE noma ukubambisana?

Uma uke wahlangabezana nezimo ezingenhla, uhlelo luyafana nohlelo lwe-{WVOE}, ludizayinelwe ababolekayo abaholayo nababolekayo abazisebenzelayo. Izimalimboleko ezingezona ze-QM zinezinhlelo ezinhle kangako abahola amaholo nabanikazi bamabhizinisi bobabili abangazifaka izicelo.

Lusebenza kanjani lolu hlelo?

Njengoba nje igama lomkhiqizo, lolu hlelo lufanelekile ngempahla futhi. Bona ngezansi:

· Imali Engenayo Eshiwoyo isho ukuthi umboleki usho imali engenayo ENGAPHAKATHI ENGAPHAKATHI ngo-1003

(Uhlelo).

· Siyaqinisekisa ukuthi iholo labo lanyanga zonke LINGASEKWA yizimpahla eziwuketshezi ngaphambi kokuvalwa.

Ukubala:

Impahla / 6 kufanele ibe nkulu kunemali Engenayo Eshiwo

· Udokotela wezokwelapha onempahla engu-$300,000 kanye nemali engenayo engu-1003 ka-$20,000 ngenyanga?
Yebo, lesi simo siyafaneleka. $300,000/6 = $50,000 okuyimali engenayo yanyanga zonke engaphezu kuka-$20,000 esohlwini lwesicelo. Sisebenzisa u-$20,000 ukuthola iziqu.

· UMasseuse Ohola Iholo onempahla engu-$100,000 kanye nemali engenayo eshiwo engu-$15,000 ngenyanga?
Cha, lesi simo asifaneleki. Nakuba $100.000 / 6 = $16,666 > $15,000 okuyimali engenayo yanyanga zonke eshiwo. akunangqondo ukuthi i-masaeuse ehola iholo yenze u-$15,000 ngenyanga.

· Usomabhizinisi Ozisebenzelayo Wokungenisa/Othekelisa onempahla engu-$500,000 kanye nemali engenayo eshiwo engu-$100,000 ngenyanga?
Yebo, lesi simo siyafaneleka. $500,000 / 6 = $83,333 futhi umboleki uthi u-$100,000 ngenyanga. Kodwa-ke kuphela ama- $ 83,333 asetshenziselwa izinjongo zemfundo.

Uma sikhetha Imali Engenayo Eshiwo Ngeqiniso Elite, umboleki uzodingeka kuphela ukuthi anikeze Imali Engenayo Esekelwe Kumpahla Esicelweni Semalimboleko (1003). Le mali engenayo izosetshenziselwa ukubala isilinganiso sesikweletu nesilinganiso semali engenayo.

Uma ukhetha Uhlelo Lwemali Engenayo Eshiwo Ngeqiniso, umboleki uzodingeka kuphela ukuthi anikeze Imali Engenayo Esekelwe Kumpahla Kusicelo Semalimboleko (1003). Le mali engenayo izosetshenziselwa ukubala isilinganiso sesikweletu nesilinganiso semali engenayo.

Ubani ongafaka isicelo salolu hlelo?

Noma ngabe ungumboleki oholayo noma umboleki ozisebenzelayo, ungafaka isicelo salolu hlelo. Kubaboleki bemiholo, awekho amadokhumenti akhethekile adingekayo uma ufaka isicelo semali mboleko yendlu entsha ye-Non-QM komabolekisi. Kubaboleki abazisebenzayo noma ababolekayo abangu-1099, incwadi ye-CPA ingase idingeke.