Ikigo cyibicuruzwa

Incamake

Byoroshye Yujuje ibyangombwa bifunze Impera ya kabiri.

Igihe cy'inguzanyo: Ihamye; 15 Yrs Balloon.

Ibisobanuro

1) Inguzanyo ya kabiri ya Standalone na Piggyback Yombi Iraboneka;
2) Umutungo wibanze nishoramari urahari;

3) Nta gihano cyishyuwe mbere;
4) Nta bubiko bukenewe;

5) Ingano y'inguzanyo: $ 75.000 - $ 350,000;
6) Icyiza. CTR: 85%.

* Amafaranga y'inguzanyo yegeranijwe kugeza ku $ 100 hafi

Inyandiko yinjira

Ihitamo1: Amatangazo ya Banki - 12 Mths Umuntu & Ubucuruzi bwa Stmts

★ Umuntu ku giti cye & Ubucuruzi-Byahujwe cyangwa Ubucuruzi (12mo.):
Nibura umwe mubagurijwe agomba kuba yikorera wenyine byibuze imyaka 2 (25% cyangwa nyirubwite);
Dep Kugabanuka k'umutungo byemewe hamwe n'inyandiko za Banki;
Factors Ibintu bisanzwe bikoreshwa bikurikizwa: 50% byamafaranga akoreshwa:
FNiba ubucuruzi bukora

FactorIbintu ntarengwa byo gukoresha hamwe nishyaka rya 3 ryateguwe P&L cyangwa ibaruwa ni 20%.
★ Umuntu ku giti cye & Ubucuruzi Bitandukanye (12mo.):
TNibura umwe mubagurijwe agomba kuba yikorera wenyine byibuze imyaka 2 (25% cyangwa nyirubwite);
②Asset Depletion yemerewe ibyangombwa bya banki;
UsedUmuntu yahoze yujuje ibyangombwa, amezi 3 yubucuruzi kugirango yerekane amafaranga yinjira mubucuruzi kugirango akoreshe 100% yabikijwe bijyanye nubucuruzi kuri konti yawe bwite (nta mpamvu yo gukoresha).

Ihitamo2: Inyandiko Yuzuye - 1 Yr & 2Yrs

Amabwiriza rusange

★ 30 / 15yr Ballon & 40 / 15yr Ballon min inguzanyo y'amadorari 200k.
Li Inguzanyo ntarengwa ihuriweho - $ 1.5 M.
★ Amezi 2 ashize impapuro za banki zisabwa.
Type Ubwoko bwumutungo - SFR, PUD, Condo-Yemeza.
★ Ibintu byashyizwe ahagaragara kugurisha mumezi 12 ashize ntabwo byemewe.
Abaguriza - Bemerewe kuba Umunyamerika, Umunyamahanga udahoraho (ufite inguzanyo ya Amerika), Umunyamahanga uhoraho. Ntibemerewe kubatari abaterankunga hamwe ninguzanyo.
★ 3 imenyekanisha ryerekana amezi 12+ cyangwa 2 ubucuruzi bwerekana amezi 24+ byose hamwe nibikorwa mumezi 12 ashize.
Season Ibihe byinguzanyo Igihe - amezi 48 - Kwamburwa, kugurisha igihe gito, icyemezo mu mwanya, guhomba. Nta bintu byinshi byabaye mumyaka 7 ishize.
Credit Inguzanyo isebanya - Nta gufungura amafaranga cyangwa gukusanya mu mezi 48. Nta bucuruzi bwacumuye mugusoza.
Late Amazu yatinze - 0x30x12 Ku nguzanyo zose kubaguriza bose. Nibura amezi 12 amateka yimiturire asabwa.
Ibisabwa byo gusuzuma:
Isuzuma ryambere mugihe cyamezi 12 + Isubiramo ryimiturire. Gusubiramo agaciro bigomba kuba bingana cyangwa birenze gusuzuma;
Isuzuma rishya 2055 hamwe nisuzuma ryimiturire Isubiramo ishyigikira agaciro muri 10% bitandukanye. Hasi yindangagaciro ebyiri zigomba gukoreshwa;
Kugaragaza amasoko ntarengwa 75% CLTV kuri nyirayo Yigaruriwe / Urugo rwa 2. Ntarengwa 70% CLTV kuri Non nyirayo Yigaruriwe.