Izikweletu ze-CPA P&L: Ukukhetha Okungcono Kwababoleki Abaziqashile

I-CPA Prepared P&L Loans iyisixazululo esisha se-mortgage esenzelwe wena uqobo.qashiweabantu ababhekene nezinselele ngezidingo zokuboleka ezingokwesiko ngenxa yezakhiwo zabo ezihlukile zeholo. Lezi zimali mboleko zivumela ababoleki ukuthi basebenzise isitatimende Senzuzo Nokulahlekelwa (P&L) esilungiswe i-Certified Public Accountant (CPA) esikhundleni sokuthembela ezimbuyiselweni zentela ukuze baqinisekise umholo wabo. Le ndlela izuzisa ngokukhethekile ochwepheshe abazisebenzelayo izimbuyiselo zabo zentela zingase zingasibonisi ngokunembile isimo sazo sezezimali ngenxa yezimali ezibanjwayo zebhizinisi noma imali engenayo eshintshashintshayo.

Kubaboleki abazisebenzelayo abafuna ubunikazi bezindlu ngaphandle kwezithiyo zokubuyisela intela, I-CPA Prepared P&L Loans inikeza indlela eya phambili. Izimali ezibolekiwe zendabuko zivame ukufuna imibhalo yemali engenayo engashintshi ngezimbuyiselo zentela, okungaba inkinga kubantu abazisebenzayo abaholo labo lihluka kakhulu unyaka nonyaka noma abahlomulayo emalini ebanjwayo yebhizinisi eyehlisa iholo labo elikhokhiswa intela. Ngokuphambene, isitatimende se-P&L esilungiselelwe yi-CPA sinikeza ababolekisi isifinyezo esicacile sokusebenza kwezimali kwebhizinisi kwakamuva—imvamisa phakathi nezinyanga ezidlule eziyi-12 kuya kwezingu-24—okubenza bakwazi ukuhlola amandla okukhokha ngokusekelwe emalini eyinzuzo yangempela kunezikweletu zentela.

Esinye sezici ezivelele zalezi zimali mboleko ukuthi akukho mbuyiselo yentela edingekayo. Kunalokho, isitatimende se-P&L esilungiselelwe yi-CPA sisebenza njengedokhumenti eyinhloko yokuqinisekisa imali engenayo. Lokhu akugcini nje ngokwenza lula uhlelo lokusebenzaLEZIs kodwa futhi kwandisa amathuba okugunyazwa kubantu abazisebenzayo okungenzeka ukuthi banenkinga nemibandela evamile yokubambisa. Ukwengeza, ababolekisi abaningi abanikeza lezi zimali mboleko bahlinzeka ngemibandela eguquguqukayo efana namazinga amisiwe weminyaka engu-30, okuqinisekisa ukuzinza kwenkokhelo yesikhathi eside—okucatshangelwa kakhulu kubaboleki abanemiholo eguquguqukayo abakwazisa ukubikezelwa ezibophweni zabo zezezimali.

Enye inzuzo ebalulekile ukuthi izimali zezipho zamukelekile ezinkokhelweni eziphansi ngaphansi kwezinhlelo eziningi. Ababolekisi bavame ukuvumela ababoleki ukuthi basebenzise izimali zezipho ezivela kumndeni noma abangani njengengxenye yenkokhelo yabo ephansi kuyilapho bedinga ukuthi banikele ngamaphesenti athile ezikhwameni zabo—okungenani okungenani u-5%—ukubonisa ukuzibophezela kwezezimali. Lesi sici senza ubunikazi bezindlu bufinyeleleke kalula kubantu abazisebenzayo okungenzeka bangabi nakho ukonga okukhulu komuntu siqu kodwa abathembele ekusekelweni okuvela kwabathandekayo.

Ngaphezu kwalokho, i-CPA Prepared P&L Loans ivamise ukufanelekela ukuxhasa ngezimali ama-condos angaqinisekisiwe, okungamakhondomu angahlangabezani nemihlahlandlela ejwayelekile ebekwe amabhizinisi axhaswe uhulumeni afana no-Fannie Mae noma u-Freddie Mac ngenxa yezici ezifana nobunikazi botshali-zimali obuphezulu noma indawo yokuhweba ngaphakathi kwesakhiwo. Ababolekisi abaningi bezindlu ezibolekiwe abangenazo iziqu (abangebona abakwa-QM) abasebenza ngokukhethekile kulezi zimali mboleko bavulekele ukuxhasa izakhiwo ezinjalo, ngaleyo ndlela bandise izinketho zezindlu zababolekayo abanentshisekelo yezindlu ezingase zingabandakanywa ezinhlelweni zendabuko zokubolekwa kwezindlu.

Ngokwamanani emalimboleko, Imalimboleko yethu ye-CPA Elungiselelwe I-P&L ingafinyelela amanani amakhulu—ngokuvamile efika ku-$3.5 wezigidi. Izidingo zomphumela wekhredithi ngokuvamile ziqala ama-660 ngemigomo evamile.

Kafushane, I-CPA Prepared P&L Loans inikezela ngenye indlela ebalulekile kubantu abazisebenzayo abafuna ukuthenga noma ukuxhasa kabusha ikhaya ngaphandle kokuthembela ekubuyiselweni kwentela. Ngezici ezifana nezimfuneko zokungabuyiswa kwentela, ukwamukelwa kwezimali zesipho, ukufaneleka kwama-condo anganikezwa iwaranti, kanye nezilinganiso ezigxilile zesikhathi eside zeminyaka engama-30, lezi zimali mboleko zenzelwe ukuhlangabezana nezidingo ezihlukile zababoleki abanemifudlana yemali engenayo engokwesiko. Ngokusebenzisa isitatimende se-P&L esilungiselelwe yi-CPA esikhundleni sembuyiselo yentela, lezi zimali mboleko zinikeza ukuhlolwa okunembe kakhudlwana kwezempilo yezezimali kanye neminyango evulekile yokuba umninikhaya engase ihlale ivaliwe.