Ufaneleka Kanjani Ukubolekwa I-P&L Elungiselelwe I-CPA

Ukufanelekela I-CPA Prepared P&L Loan kuhilela izinyathelo ezimbalwa ezibalulekile nezimfuneko eziklanyelwe ngokukhethekile ukuzenzela wena ngokwakho.qashiweabantu abafuna ukweqa izindlela zokuqinisekisa imali engenayo njengembuyiselo yentela. Lezi zimali mboleko zivumela ababoleki ukuthi basebenzise isitatimende Senzuzo Nokulahlekelwa (P&L) esilungiswe i-Certified Public Accountant (CPA) njengobufakazi bemali engenayo—okubenza babe inketho ekahle yalabo abanembuyiselo yentela engabonisi ngokunembile izinzuzo zabo zamanje ngenxa yezimali ezibanjwayo zebhizinisi noma ukusakazwa kwemali engenayo eguquguqukayo.

Imfuneko yokuqala ukuthi ababoleki kumele babeNgiyazisebenzangokuphatha okungenani u-50% webhizinisi labo. Ukwengeza, lolu hlelo ludinga ukuthi ibhizinisi selisebenze okungenani iminyaka emibili. Lokhu kubonisa ukuzinza nokungaguquguquki ekwenziweni kwemali engenayo—okuyinto ebalulekile kubabolekisi abahlola ikhono lokubuyisela.

Okulandelayo kuza ukulungiswa kwemibhalo. Isisekelo salezi zimali mboleko yisitatimende se-P&L esilungiselelwe yi-CPA, okufanele sihlanganise okungenani izinyanga eziyi-12 zokugcina (futhi ngokuvamile kufika ezinyangeni ezingama-24) zokusebenza kwebhizinisi. Lo mbhalo kufanele usayinwe futhi ubhalwe usuku yi-CPA enelayisensi futhi kufanele unikeze incazelo enemininingwane yemali engenayo nezindleko. Kubalulekile ukuthi lesi sitatimende sinembile futhi siphelele; noma yikuphi ukuphambana kungase kubambezele noma kubeke engozini ukugunyazwa. Ababolekayo abangenabo ubudlelwano obukhona ne-CPA kufanele babeke phambili ukuthola eyodwa ngaphambi kwenqubo.

Amaphuzu esikweletu ngesinye isici esibalulekile ukuze ufaneleke ukuthola lezi mboleko. Sidinga amaphuzu amancane e-FICO angu-660. Futhi imfuneko encane yokukhokha Phansi ngu-20%. Okubalulekile, uhlelo lwe-CPA Prepared P&L Loan luvumela izimali zezipho njengengxenye yenkokhelo ekhokhwayo—inqobo uma ababoleki benikela okungenani u-5 % ezikhwameni zabo. Lokhu kuvumelana nezimo kungaba usizo ikakhulukazi kubantu abazisebenzayo abangase badinge usizo lokuhlangabezana nemikhawulo yokukhokha kodwa abasafuna ukubonisa ukuzibophezela komuntu siqu kwezezimali.

Ukufaneleka kohlobo lwesakhiwo kungenye into ebalulekile. Ngokungafani nezindlu ezibolekiwe ezivamile ezivame ukukhawulela izinketho zezimali zezinhlobo ezithile zezakhiwo njengama-condo anganikezwa iwaranti, uhlelo lwethu lwe-CPA Prepared P&L Loan luvumela ngokucacile lezi zakhiwo—ukunweba izinketho zezindlu zababoleki abanentshisekelo kuma-condos angahlangabezani nemihlahlandlela evamile ka-Fannie Mae noma ka-Freddie Mac ngenxa yezinkinga ezifana nobunikazi obuphezulu botshali-zimali noma indawo yezentengiso ngaphakathi kwesakhiwo.

I-CPA Elungiselelwe I-P&L Yethu Lemalimboleko, isikhathi Semalimboleko singamazinga amisiwe weminyaka engu-30, anikeza ukuzinza kwenkokhelo yesikhathi eside—inzuzo ebalulekile kubaboleki abazisebenzelayo abangase bahlangabezane nokuguquguquka kweholo kodwa abafuna izinkokhelo zezindlu eziqagelwayo ngokuhamba kwesikhathi.