Isikhungo Somkhiqizo

Uhlolojikelele

Ababolekayo abazisebenzayo kuphela, abangakwazi ukuhamba nemali mboleko ye-ejensi, futhi abafuni ukuhlinzeka ngemibhalo ehlukahlukene yemali engenayo.

Imininingwane

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

Luyini lolu hlelo? Ubani ongafaka isicelo salolu hlelo?

• Ingabe ungumuntu obolekayo ozisebenzelayo?
• Ingabe umbolekisi ubezidinga izitatimende zasebhange zebhizinisi lakho ukuze uthole ukufaneleka kokubolekwa? Noma ingabe ababolekisi bakho bezindlu ezibolekiwe babekudinga 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.

Thina i-AAA Lendings manje sinikeza uhlelo olufanele lwemalimboleko ye-Non-QM olusetshenziswa ezimeni ezingenhla, oluqanjwe nge-P&L (Inzuzo Nokulahlekelwa). Lolu hlelo luklanyelwe ababoleki abazisebenzelayo futhi abangazuza kwezinye izindlela zokufaneleka zokuboleka imali. Lokho kuyinzuzo engcono kakhulu kwabaziqashayo. 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, nayo eyinzuzo enhle kwabanye ababoleki.

Kungani lolu hlelo luklama?

Kubaboleki abazisebenzayo, uhlelo lwesitatimende sasebhange sezinyanga eziyi-12/24 lungcono, njengoba lolu hlelo aludingi ukubuyiselwa kwentela kanye nezitatimende zasebhange zebhizinisi. Kodwa-ke, lapho abanye abafake izicelo benebhizinisi, elinesimo sezimali esinzima ngezitatimende zasebhange eziningi, uhlelo lwe-P&L lungaba yisinqumo esingcono kakhulu kuwe. Njengoba uhlelo lwesitatimende sasebhange lwezinyanga eziyi-12/24 lunomkhawulo mayelana nesidingo sezitatimende zasebhange; mhlawumbe ubuningi. Izitatimende ezintathu zasebhange zenza ibhizinisi elilodwa, okungenzeka kube umkhawulo oholela ohlelweni lwe-P&L.

Yini oyidingayo ukuze ulungiselele ukugunyazwa ngokushesha?

Uma uthumela imali ebolekiwe kubabolekisi, bangase badinge i-YTD(Year-to-Date) P&L (noma kanye ne-P&L yonyaka wangaphambilini ngezinye izikhathi), ilayisense yebhizinisi, incwadi ye-CPA, njll. Ngakho-ke noma iyiphi indlela ILUNGILE kulokho okunikezwayo ekuthumeleni kokuqala noma lapho kugunyazwa imali mboleko.
Ngaphandle kwalokho, udinga ukuthintana nethimba lethu lokuhambisa ukuze ubale imali engenayo kuqala