Isikhungo Somkhiqizo

Uhlolojikelele

Kuyinketho enhle kubaboleki abazisebenzayo abangakwazi ukuthola imali mboleko ye-ejensi futhi abafuni ukuhlinzeka ngemibhalo ehlukahlukene yemali engenayo.

Amaphuzu avelele ohlelo

1) Ayikho isignesha ye-CPA edingekayo;
2) Izwe langaphandle elivunyelwe;
3) Imali ebolekiwe efika ku-$10M;
4) izinyanga eziyi-12 ezigciniwe ezibalwe ku-PI;
5) Azikho izimbuyiselo zentela ezidingekayo;
6) Izimali zesipho zivunyelwe;
7) Inkokhelo ephansi njenge-30%;
8) Imizuzu. I-FICO 680.

Iyini i-P&L yokuzilungiselela? Ubani ongafaka isicelo salolu hlelo?

• Ingabe ungumuntu obolekayo ozisebenzelayo?
• Ingabe umebolekisi wezindlu ezibanjiwe wayedinga izitatimende zakho zasebhange zebhizinisi ukuze uthole ukufaneleka kwemali mboleko? Noma ingabe ababolekisi bakho bebefuna ukuthi usayine amafomu entela futhi udinga imibhalo?
• Wake wamiswa noma wenqatshwa ababolekisi be-ejensi? Ingabe ababolekisi bake bathi “Ngokwesiqondiso sethu”?
• Uyazi ukuthi ungakufanelekela kanjani ukubolekwa imali yendlu ngaphandle kwamaphepha emali engenayo? Noma izintela/izitatimende zasebhange zebhizinisi, njll.

I-AAA Lendings manje inikezela ngohlelo olufanele lwemalimboleko ye-Non-QM olusetshenziswa ezimeni ezingenhla, oluqanjwe nge-P&L (Inzuzo Nokulahlekelwa). I-P&L yakhelwe ababoleki abazisebenzelayo futhi abangazuza kwezinye izindlela zokufaneleka kwemalimboleko. Leyo ingxenye engcono kakhulu yabantu abaziqashayo. I-CPA/CTEC/EA eqediwe futhi yasayinwa i-P&L ingase isetshenziswe njengenye indlela yokubuyisela intela ukuze kubhalwe phansi imali engenayo yomboleki ozisebenzelayo. Kwesinye isikhathi, size samukele i-P&L elungiselelwe umboleki, okuphinde kube yizindaba ezinhle kwabanye ababoleki.

Isaziso sokugunyaza okusheshayo

Uma usithumelela imali mboleko, singase sidinge i-YTD (Year-to-Date) P&L (noma kanye ne-P&L yonyaka wangaphambilini ngezinye izikhathi), ilayisense yebhizinisi, incwadi ye-CPA, njll. Noma iyiphi indlela ILUNGILE kulokho okunikezwayo ekuthumeleni kokuqala noma lapho ukugunyazwa kwemali mboleko.

Ngaphandle kwalokho, udinga ukuthintana nethimba lethu lokuhambisa ukuze ubale imali engenayo kuqala.