Hlela Imvume Yakho Yendlu Yendlu Ngokusebenzisa Imibhalo Ye-Self P&L

Ukuzulazula ngenqubo yokugunyazwa kwe-mortgage e-US kungaba umsebenzi onzima, kodwa i-AAAUkuboleka imaliilapha ukuze ikwenze kube lula. Indlela yabo eyingqayizivele egxile emibhalweni ye-Self P&L iguqula indlela ababolekayo abathola ngayo imali mboleko.

I-AAA Lendings ichithe ngaphezulu kweminyaka engama-22 igxile kukhoImalimboleko engeyona ye-Qms, beqinisa isikhundla sabo njengochwepheshe kulo mkhakha. Basekele imindeni engaphezu kuka-60,000 kanye nezikweletu ezivaliwe ezibiza amaRandi ayizigidi eziyizinkulungwane ezimbili ngo-2021 kuphela. Lokhu okuhlangenwe nakho okubanzi kubavumela ukuthi baqonde izidingo ezihlukahlukene zababoleki futhi banikeze izixazululo ezihambisanayo.

Isidingo se-Self Prepared P&L kuphela yezicelo ze-mortgage kuyinzuzo enkulu. Isibonelo, abatshalizimali bezindlu ezithengiswayo abathembele emalini yokuqasha bangasebenzisa inketho ye-DSCR (Debt Service Coverage Ratio). Ngokuzihlinzeka nge-Self P&L, bangafakazela ukuthi izindawo zabo eziqashisayo zenza imali eyanele ukumboza izinkokhelo ze-mortgage. Lokhu akugcini nje ngokuqondisa uhlelo lokufaka izicelo kodwa futhi kunikeza abatshalizimali ithuba lokukhulisa amaphothifoliyo abo.

Elinye iqembu elizuza kakhulu kulolu khetho ama-freelancers. Ama-freelancers ngokuvamile anemifudlana yemali engenayo engajwayelekile, okwenza kube nzima ukuhlinzeka ngembuyiselo yentela evamile. Ngemibhalo ye-Self P&L, bangakwazi ukwethula isithombe esicacile semali abayitholayo nezindleko, okwenza i-AAA Lendings ihlole umthamo wayo wokukhokha ngokunembile.
Ubufakazi obuhle obuvela kumakhasimende bukhuluma kakhulu ngokusebenza kwale ndlela. Ababoleki abaningi baye batusa iqembu le-AAA Lendings ngobuchule nokusebenza kahle kwalo. Bakwazi ukuvala izikweletu ngesikhathi esifushane, ngokuvamile phakathi kwamaviki angu-2, ngaphandle kweminqamulajuqu eqinile ebekwe ama-agent athengisayo.

Ngaphezu kokusebenziseka kalula kwe-Self P&L, i-AAA Lendings inikeza i-HELOC (I-Home Equity Line of Credit) engenayo inhlawulo ekhokhelwa kusengaphambili. Lokhu kuvumelana nezimo okungeziwe, kuhlanganiswe nenketho yemalimboleko yomphakathi ehlinzeka ngekhredithi eyengeziwe engu-$4,500, kuyenza ibe inketho ephezulu kubaboleki. Kafushane, uma ufuna inqubo yokugunyaza imali yendlu engahluphi, ungabheki okungaphezu kwe-AAA Lendings kanye nokusebenzisa kwakho okusha kwemibhalo ye-Self P&L.