Imali mboleko ye-CPA P&L vs. Imalimboleko Yesitatimende Sebhange: Yikuphi Okukulungele?

Lapho uzulazula emhlabeni wezindlu ezibolekiwe zokuzisebenzela, ukukhetha inketho efanele yemalimboleko kungaba inselele. Izindlela ezimbili ezithandwayo zokubolekwa kwezindlu zendabuko ziyiCPAImalimboleko Elungiselelwe Inzuzo Nokulahlekelwa (P&L) kanye Nezimalimboleko Zesitatimende Sebhange. Ngayinye inikeza izinzuzo ezihlukile, ikakhulukazi kubaboleki abangathembeli ezimbuyiselweni zentela ukuze babonise amandla abo okuthola imali. Ukuqonda umehluko oyinhloko phakathi kwalezi zinhlobo zemalimboleko kungakusiza wenze isinqumo unolwazi ngokusekelwe esimweni sakho sezezimali.

Umehluko Oyinhloko Phakathi Kwemalimboleko Ye-P&L Elungiselelwe I-CPA Nemalimboleko Yesitatimende Sebhange

Umehluko owodwa oyinhloko phakathi kwe-CPA Prepared P&L Loans kanye Nemalimboleko Yesitatimende Sebhange usezimfuneko zabo zokubhalwa:

• I-CPA Elungiselelwe Izikweletu Ze-P&L: Lezi zimalimboleko zidinga isitatimende esinemininingwane Yenzuzo Nokulahlekelwa (P&L) esilungiswa futhi sisayinwe I-Certified Public Accountant (CPA).

• Izimalimboleko Zesitatimende Sebhange: Lezi zimali mboleko zidinga izitatimende zasebhange zakamuva ezibonisa ukuhamba kwemali okungaguquki kodwa ezingadingi isitatimende esilungiselelwe i-CPA.

Kokubili i-CPA Elungiselelwe I-P&L kanye nezinhlobo Zemalimboleko Yesitatimende Sebhange zisusa isidingo sembuyiselo yentela, enenzuzo ikakhulukazi kubaboleki abazisebenzelayo ukugcwalisa kwabo intela kungase kungabonisi ngokunembile amandla abo emali engenayo ngenxa yokudonswa kwemali okuhlukahlukene noma ukucishwa. Kodwa-ke, I-CPA Prepared P&L Loans ingase inikeze umbono obanzi wenzuzo yomboleki, njengoba lezi zimali mboleko zihlola ingqikithi yemali engenayo ngemva kwezindleko, uma kuqhathaniswa nesamba sediphozithi esibonwa ezitatimendeni zasebhange.

Izinhlobo Zezakhiwo:

Zombili izinhlelo ze-CPA Prepared P&L kanye ne-Bank Statement Loan zinikeza ngezimali uhla olubanzi lwezinhlobo zezakhiwo, okuhlanganisa izindawo zokuhlala eziyinhloko, amakhaya esibili, nezindawo zokutshalwa kwezimali. Ukwengeza, bobabili bavumela ama-condos angaqinisekisiwe, okungenzeka awafaneleki njalo ngaphansi kwezikweletu ezijwayelekile. Lokhu kunikeza ukuguquguquka okukhulu kubaboleki abafuna ukuxhasa ngezimali izinhlobo zezakhiwo ezihlukile.

Inkokhelo yokubambisaUkuvumelana nezimo:

Izidingo zokukhokha kancane zalezi zinhlobo ezimbili zemalimboleko zihluka kancane:

• I-CPA Elungiselelwe I-P&L Imalimboleko ngokuvamile idinga inkokhelo encane engu-20%.
• Ngakolunye uhlangothi, Isitatimende Sasebhange Imalimboleko ingase idinge izinkokhelo eziphansi ezifika ku-10%.

Kokubili Imalimboleko Ye-P&L Elungiselelwe I-CPA kanye Nemalimboleko Yesitatimende Sebhange ivumela ukusetshenziswa kwezimali zesipho ekukhokheleni phansi kanye nezindleko zemboleko. Nokho, ababoleki kufanele banikele okungenani u-5% yenani lokuthenga ezikhwameni zabo.

Imigomo Yemalimboleko Nezilinganiso Zenzalo:

Kokubili i-CPA-Prepared P&L kanye Nemalimboleko Yesitatimende Sebhange inikeza imigomo yokuncintisana, ehlanganisa isilinganiso esinqunyiwe seminyaka engu-30, esiqinisekisa ukuzinza kwenkokhelo yesikhathi eside. Inketho Yenzalo Kuphela (kuze kufike eminyakeni eyi-10) nayo iyatholakala.

Izilinganiso zenzalo yazo zombili izinhlobo zemalimboleko ngokuvamile ziphakeme kancane kunemali ebolekiwe evamile ngenxa yengozi eyandayo ehlotshaniswa nezimali mboleko ezingezona ze-QM (i-mortgage engafanelekile). Amanani ngokuvamile asukela ku-7% kuya ku-9%, kuye ngezimo zemakethe kanye nephrofayela yomboleki.

Ungakhetha Nini Uhlobo ngalunye Lwemalimboleko:

• I-CPA Elungiselelwe Izikweletu Ze-P&L: Le nketho ilungile uma ibhizinisi lakho linezindleko ezinkulu ezinciphisa inzuzo yakho yonke ezimbuyiselweni zentela kodwa zibonise inzuzo ngesitatimende se-P&L esinemininingwane. Ukwengeza, I-CPA Prepared P&L Loans inikeza ukuguquguquka okwengeziwe uma kuziwa ezinhlotsheni zezakhiwo, okuhlanganisa nama-condo anganikezwa iwaranti.

• Izimalimboleko Zesitatimende Sasebhange: Khetha lolu hlobo lwemalimboleko uma ibhizinisi lakho linokungena kwemali okungaguquki okubonakala kumadiphozithi akho asebhange futhi ukhetha ukungafaki i-CPA ekulungiseleleni amadokhumenti akho. Isitatimende Sebhange Imalimboleko ingase inikeze izikhathi zokugunyazwa ngokushesha, njengoba izitatimende zasebhange ngokuvamile zisheshe zitholakale kunesitatimende se-P&L esilungiselelwe yi-CPA.

Isiphetho:

Kokubili Imalimboleko Ye-P&L Elungiselelwe I-CPA kanye Nemalimboleko Yesitatimende Sebhange inikeza ezinye izindlela ezibalulekile kubantu abazisebenzayo abafuna izikweletu zezindlu ngaphandle kwesidingo sembuyiselo yentela. Inketho efanele incike ekutheni iholo lakho lebhizinisi lihlelwe kanjani nokuthi iyiphi indlela yokubhala ebonisa kahle ukuzinza kwakho kwezezimali. Kungakhathaliseki ukuthi ngenzuzo yonke eboniswa esitatimendeni se-P&L esilungiselelwe yi-CPA noma ukugeleza kwemali okungaguquki okufakazelwa izitatimende zasebhange, ukubonisana nochwepheshe bezezindlu ezibolekiwe abasebenza ngokukhethekile emalimboleko okungeyona eye-QM kungakusiza ukunquma inketho engcono kakhulu yezidingo zakho. Izinzuzo eziyinhloko zazo zombili izinhlobo zemalimboleko zifaka ukwamukelwa kwezimali zesipho, ukufaneleka kwama-condo anganikezwa iwaranti, nokufinyelela emalimboleko yesikhathi eside, enesilinganiso esigxilile.