Ikigo cyibicuruzwa

Incamake

Koresha umutungo w'uguriza kugirango wuzuze ibisabwa, umutungo w'uguriza ugomba kwishyura byibuze amafaranga 6 yabikijwe yinjiza buri kwezi.

Ibisobanuro

1) Nta P&L ikenewe;
2) Nta WVOE ikenewe;
3) amezi 12 yabitswe kuri PI (Ntabwo PITIA abandi batanga inguzanyo basabwa);
4) Amafaranga yatanzwe;
5) Amafaranga y'inguzanyo agera kuri $ 2.5M;
6) Kugura & Nta Cash hanze irahari.

Iyi gahunda niyihe?

• Waba uzi gukoresha umutungo gusa kugirango wemererwe inguzanyo yinguzanyo?
• Waba warahagaritswe cyangwa wangiwe nuwatanze inguzanyo kuri gahunda ya WVOE (Written Verification of Employment)?
• Ntabwo ufite umutungo mwinshi mugihe ushaka kugura inzu yawe bwite?
• Umukoresha wawe ntiyashakaga gutanga ifishi ya WVOE cyangwa gufatanya?

Niba warigeze guhura nibibazo byavuzwe haruguru, nta mpungenge, uze iwacu hanyuma tuzabagezaho gahunda itari QM kuri wewe- - Amafaranga yinjiza yukuri. Porogaramu imenyereye gahunda ya {WVOE}, yagenewe abahawe inguzanyo bahembwa hamwe n'abikorera ku giti cyabo. Inguzanyo zitari QM zifite gahunda nkeya nkizo abinjiza umushahara na ba nyir'ubucuruzi bashobora gusaba bombi.

Nigute iyi gahunda ikora?

Nka kurya kw'izina ry'ibicuruzwa, iyi gahunda yujuje ibyangombwa n'umutungo kimwe. Reba hepfo:

Niba amafaranga yukuri avugwa muriyi gahunda yinguzanyo yahisemo, uwagurijwe azasabwa gusa gutanga umutungo ushingiye kumitungo isaba inguzanyo (1003). Aya mafaranga azakoreshwa mu kubara umwenda wujuje ibisabwa ku kigereranyo cy’amafaranga yavuzwe mu gice cya VIII cy’aya mabwiriza.

Ninde ushobora gusaba iyi gahunda?

Nkuko byavuzwe haruguru, ibyo ari byo byose uguriza umushahara cyangwa uwagurijwe wenyine, urashobora gusaba iyi gahunda. Niba uwagurijwe umushahara, nta nyandiko zidasanzwe zikenewe mugihe usabye inguzanyo nshya yinzu yinguzanyo ya Non-QM hamwe nuwatanze inguzanyo. Niba uwikorera wenyine cyangwa inguzanyo 1099, ushobora gukenera ibaruwa yoroshye ya CPA.

Nigute iyi gahunda ikora?

Nka kurya kw'izina ry'ibicuruzwa, iyi gahunda yujuje ibyangombwa n'umutungo kimwe. Bitandukanye nizindi gahunda, ntidutanga ntabwo dukeneye gutegura inyandiko zidasanzwe zitangwa nuwagurijwe. Gusa tegura impapuro zisanzwe za banki mugihe usaba inguzanyo yinguzanyo yinzu yawe, Reba hepfo kumakuru yawe:

Amafaranga yinjiza asobanura uwagurijwe avuga amafaranga yinjiza asanzwe muburyo bwo gusaba inguzanyo. Uwatanze inguzanyo azagenzura amafaranga uwagurijwe yinjiza buri kwezi ashobora gushyigikirwa n'umutungo wa “Liquid” mbere yo gufunga.

Niba amafaranga yukuri avugwa muriyi gahunda yinguzanyo yahisemo, uwagurijwe azasabwa gusa gutanga umutungo ushingiye kumitungo isaba inguzanyo (1003). Aya mafaranga azakoreshwa mu kubara umwenda wujuje ibisabwa ku kigereranyo cy’amafaranga yavuzwe mu gice cya VIII cy’aya mabwiriza.