Uhlolojikelele Lwesitatimende Sebhange
Isitatimende sase bhange: Umboleki ozisebenzelayo onekhredithi enhle kakhulu umholo wakhe oshiwo embusweni wakhe wentela ngeke ubafanelekele ukuthola ikhaya eliwubukhazikhazi abangalikhokhela.
Linganisa:CHOFOZA LAPHA
Amaphuzu Avelele Wohlelo Lwesitatimende Sebhange
1) Ubukhulu.Imali Ebolekiwe $3M;
2) Ubukhulu.I-LTV 90%;
3) Imizuzu.I-Fico 660;
4) Imizuzu.Reserve 6 Izinyanga;
5) Akukho Ukubuyiswa Kwentela.
Izinyanga eziyi-12 ze-CPA P&L
Sicela ushayele intengo mayelanaIkhaya Elikhiqiziwe , Iminyaka Engu-1 Ngiziqashile, noma ngibolekwe imali engu-<$150K noma >$3.0M.
Kungani sikhetha Isitatimende Sebhange?
Ngisho noma abanikazi bezindlu abaningi bengakwazi kalula ukuthola imibhalo egcwele yemali mboleko evamile, abaningi abakahambisani neziqondiso zika-Fannie noFreddie uma kuziwa ezimfuneko zokuboleka.Ngenhlanhla, imali mboleko ye-Non-QM kanye nemibhalo yemali engenayo yezitatimende zasebhange yizixazululo ezinhle zalaba baboleki okungebona bendabuko.
Abantu abazisebenzayo banemvume yokusula izindleko zebhizinisi eziningi ngaphansi kweKhodi Yentela ye-IRS.Ukususa izindleko zebhizinisi emalini yonke engenayo kusiza ababoleki behlise kakhulu izikweletu zabo zentela, futhi ngezinye izikhathi kukhombisa ukulahlekelwa okuphelele noma imali engenayo engalungile yonyaka.Isitatimende Sebhange Imali Ebolekiwe Okungeyona ye-QM izokwazi ukusiza laba baboleki ukuthi bafanelekele ukubolekwa imali ngaphandle kokubonisa amafomu abo entela futhi basebenzise izitatimende zabo zasebhange ukuze babonise ukuhamba kwemali kwangempela kwebhizinisi labo.
Lolu hlelo luklanyelwe bani?
Lolu hlelo luklanyelwe ababoleki abazisebenzelayo futhi abangazuza kwezinye izindlela zokufaneleka zokuboleka imali.Izitatimende zasebhange zingasetshenziswa njengenye indlela yentela ukuze kubhalwe imali engenayo yomboleki ozisebenzelayo.Njengobufakazi bemali engenayo, izitatimende zebhange zomuntu siqu kanye/noma zebhizinisi zivunyelwe.
Okungenani oyedwa wababoleki kufanele azisebenzele okungenani iminyaka emi-2 ukuze afanelekele lolu hlelo.Ubunikazi obuncane obungama-25% ebhizinisini nakho kuyisidingo.Lokhu kuyisidingo esijwayelekile sokunquma ukuthi umboleki ungumboleki ozisebenzelayo yini.Ezikweletini ze-ejensi, sihlala sibhekisela ku-K-1 noma kuShejuli G;kuyilapho ezikweletini ezingezona ze-QM, sihlala sidinga incwadi ye-CPA ukuze siqinisekise ubunikazi bangempela.
Ngokuvamile, umbolekisi uzobala imali engenayo efanelekayo ngokuthatha inani elimaphakathi lediphozithi yesitatimende sasebhange ezinyangeni ezingu-12 noma ezingu-24, abese ephindaphinda ngenani elijwayelekile lezindleko.Lokho kufanele kube yimali engenayo efanelekile yomboleki yalolu hlelo.
Ngokuqondene nesici sezindleko, abatshalizimali abaningi abangewona ama-QM bangase babe nesilinganiso esijwayelekile esifana no-50%.Nakuba lokhu futhi kuyisidingo sethu esivamile, kodwa uma i-CPA yakho inganikeza incwadi enezizathu ezifanele, singase sicabangele isici sezindleko esivumelana nezimo ngenxa yohlobo lwebhizinisi elinezindleko ezincane.
Sicela uxhumane nethimba lethu ukuze uthole ukuhlaziywa kwamahhala kwemali engenayo ngaphambi kokuletha imali ebolekiwe ukuze usize kangcono amakhasimende akho.
