Akukho Ukuqinisekiswa Kokuqashwa Okudingekayo Ukuze Ugunyazwe Imalimboleko

Ezweni eliyinkimbinkimbi lokubolekwa kwezindlu e-US, imfuneko yokuqinisekisa umsebenzi ngokuvamile ibe yisikhubekiso kwabaningi abazoba ababoleki. Kodwa-ke, i-AAA Lendings yenza izinguquko embonini ngokunikela ngezinhlelo zokubolekwa imali lapho kungekho kuqinisekiswa kokuqashwa okudingekayo ukuze kuvunywe imali mboleko. Le ndlela emisha ivula umhlaba wamathuba kubantu abangase babe nemithombo yemali engavamile, abazimele ngokwabo.qashiwe, noma ubhekane nobunzima ekunikezeni ubufakazi bomsebenzi obujwayelekile.

I-AAA Lendings, eneminyaka engaphezu kwengu-15 yokuhlangenwe nakho okucebile nomlando wokukhipha imali engaphezulu kuka-$20 wezigidigidi, isize imindeni engaphezu kuka-50,000. Ubuchwepheshe babo nokuzibophezela ekunikezeni ababoleki kugqama ezinhlobonhlobo zemikhiqizo yabo ebolekiwe. Enye yeminikelo ebalulekile yimalimboleko ye-Self Prepared P&L. Njengoba igama liphakamisa, ababoleki badinga kuphela ukwethula isitatimende esizilungiselele sona seNzuzo Nokulahlekelwa. Asikho isidingo sembuyiselo yentela, okwenza kube lula kakhulu ngalabo abanezimo zezimali eziyinkimbinkimbi ukuba bafanelekele ukubolekwa imali. Lokhu kuzuzisa kakhulu kubantu abazisebenzayo okungenzeka bangabi nawo amafomu e-W-2 ajwayelekile noma izigaxa zokuhola ezijwayelekile.

Omunye umkhiqizo ophawulekayo yi-I-DSCR(Debt Service Coverage Ratio) imalimboleko. Kulolu hlelo, imali yokuqasha isetshenziselwa ukufaneleka kwababolekayo. Kungushintsho lwegeyimu kubatshalizimali bezindlu ezithengiswayo okungenzeka bangabi nawo umsebenzi ongokwesiko phakathi kuka-9 kuya ku-5 kodwa babe nemali engenayo engaguquki evela ezindaweni zabo eziqashisayo. Njengoba kungekho ukuqinisekiswa kokuqashwa okudingekayo, abatshalizimali bangagxila ekusebenziseni impahla yabo ingcebo ukuze bathole imali mboleko.

Imali mboleko Yesitatimende Sebhange ingenye futhi inketho engadingi ukuqinisekiswa komsebenzi. Ababoleki bangasebenzisa izitatimende zabo zasebhange ukukhombisa ukuzinza kwabo kwezezimali kanye nekhono lokubuyisela imali ebolekiwe. Lokhu kunikeza enye indlela yalabo abanokungena kwemali okungashintshi kodwa abangenawo amaphepha ajwayelekile okuqashwa.

Okuhlukanisa i-AAA Lendings akuyona nje imikhiqizo yabo yemalimboleko kodwa futhi nenkonzo yabo ehlukile. Banikeza ukubhala okuvumelana nezimo, okusho ukuthi lapho abanye ababolekisi bethi “Cha,” bathi “Yebo.” Isikhathi sokuvala esimaphakathi siphakathi kwamaviki angu-3, ​​okuqinisekisa inqubo esheshayo nengenamthungo. Amanani ancintisanayo kanye nesevisi yomuntu siqu ikwenza kube ukukhetha okuphezulu kubaboleki. Njengoba amakhasimende anelisekile efakazile, ithimba le-AAA Lendings lisebenza ubusuku nemini ukuze liqhubekisele phambili amacala futhi linikeze izincazelo ezicacile kuzo zonke izinyathelo zendlela.

Sengiphetha, uma ubulokhu uzabalaza ukuze uthole imali ebolekiwe ngenxa yezinkinga zokuqinisekisa ukuqashwa, i-AAA Lendings ilapha ukuze ikusize. Izinhlelo zabo zokubolekwa imali ezingadingi ukuqinisekiswa komsebenzi zingaguqula amaphupho akho obunikazi bendlu abe ngokoqobo. Ungavumeli ukuntuleka kobufakazi bomsebenzi wendabuko kukuvimbele. Finyelela kuma-AAA Lendings namuhla futhi uthathe isinyathelo sokuqala esibheke ekhaya lakho elisha.