Dulmarka Warbixinta Bangiga
Bayaanka BankigaAmaahiyaha iskii u shaqeysta oo leh credit aad u fiican oo dakhligoodu ku sheegay canshuur celintooda uma qalmi doono guriga raaxada ee ay awoodaan.
Qiime:RIIX HALKAN
Qodobbada ugu muhiimsan ee Barnaamijka Bayaanka Bankiga
U qalma:
♦ 12 bilood Bank Stmt
♦ 12 bilood CPA P&L / WVOE
♦ 1 Sano/2 Sano Buuxa Doc
Qodobbada ugu muhiimsan:
♦ Waa La Aqbali Karo Markii Ugu Horeysay Guri Iibiyaha
♦ Oggolow in la xidho Under LLC
♦ Koondho aan dammaanad lahayn waa la oggol yahay
♦1099(Max Amaah ah $3.0M)
♦GAAR AHAAN
Fadlan wac qiimaha:
Amaahda amt $3.5M-$20.0M • 1 Sano Buuxa LTV>80%
Maxaynu u dooranaa Warbixinta Bangiga?
Inkasta oo badi milkiilayaasha guryuhu ay si fudud ugu qalmi karaan dukumeenti buuxa oo deyn caadi ah, qaar badan ayaan weli ku habboonayn tilmaamaha Fannie iyo Freddie marka ay timaado shuruudaha amaahda. Nasiib wanaag, deymaha aan-QM-ka ahayn iyo dukumeentiyada dakhliga bayaanka bangiga ayaa xal weyn u ah deyn-qaadayaashan aan caadiga ahayn.
Shakhsiyaadka iskood u shaqeysta waxay haystaan gunno ay ku qoraan kharashyo badan oo ganacsi sida uu dhigayo Xeerka Cashuurta IRS. Ka-qorista kharashaadka ganacsiga ee dakhligooda guud waxay ka caawisaa amaah-qaadayaashu inay si weyn u dhimaan deymaha cashuurtooda, mararka qaarkoodna waxay tusinaysaa khasaare guud ama dakhli taban sanadka. Bayaanka Bangiga Amaahda Aan-QM ahayn waxay awood u yeelan doontaa inay ka caawiso amaah-bixiyeyaashan si ay ugu qalmaan mortgage iyagoon tusin canshuur celintooda oo ay isticmaalaan xisaabaha bangiga si ay u muujiyaan socodka lacagta caddaanka ah ee ganacsigooda.
Yaa barnaamijkan loogu talagalay?
Barnaamijkan waxa loogu talagalay amaah-qaatayaasha kuwaas oo iskood u shaqeysta oo ka faa'iidaysan doona hababka kale ee shahaadooyinka deynta. Bayaanada bangiga waxaa loo isticmaali karaa beddelka canshuur celinta si loo diiwaangeliyo dakhliga amaahiyaha iskii u shaqeysta. Sida caddaynta dakhliga, bayaannada bangiga shakhsi ahaaneed iyo/ama ganacsiga labadaba waa la oggol yahay.
Ugu yaraan mid ka mid ah amaah-bixiyeyaasha waa in uu iskii u shaqeysto ugu yaraan 2 sano si uu ugu qalmo barnaamijkan. Lahaanshaha ugu yar ee 25% ee meheradda sidoo kale waa shardi. Tani waa shuruudaha caadiga ah si loo go'aamiyo haddii deyn-bixiyuhu yahay amaahiye iskiis u shaqeysta. Amaahda wakaalada, waxaan had iyo jeer tixraacnaa K-1 ama Jadwalka G; halka deynta aan-QM ahayn, waxaan had iyo jeer u baahanahay warqad CPA ah si loo xaqiijiyo lahaanshaha dhabta ah.
Caadiyan, deyn bixiyuhu wuxuu xisaabin doonaa dakhliga lagu saleeyo isagoo qaadanaya celceliska qiimaha dhigaalka bayaanka bangiga 12 ama 24 bilood, ka dibna lagu dhufto qodob kharasheedka caadiga ah. Taasi waa inay noqotaa dakhliga u qalma amaahaha ee barnaamijkan.
Dhanka kharashka, maal-gashadayaal badan oo aan-QM ahayn ayaa laga yaabaa inay lahaadaan saamiga caadiga ah sida 50%. In kasta oo ay tani sidoo kale tahay shuruudahayaga caadiga ah, laakiin haddii CPA-gaagu ay ku siin karto warqad leh sababo ku habboon, waxaa laga yaabaa inaan tixgelinno arrimo kharash ah oo dabacsan sababtoo ah dabeecadda ganacsigu waxay leedahay kharashyada ugu yar.
Fadlan la xidhiidh kooxdayada si ay u baaraan daqliga bilaashka ah ka hor inta aanad u soo gudbin amaahda si aad si fiican ugu caawiso macaamiishaada.
Warqada Warbixinta Bangiga
