Ibicuruzwa byinshi - AAA Inguzanyo Atari QM Gahunda yo kuguriza wenyine - P&L (Kwitegura Inyungu & Gutakaza Gusa) - Gutanga inguzanyo ya AAA numushoramari

Ibicuruzwa birambuye

Kuri benshi mubakiriya bacu, inguzanyo irenze kugurisha amafaranga gusa; ni intambwe ikomeye y'ubuzima. Waba uri ubwa mbere ugura urugo cyangwa umushoramari utimukanwa ufite uburambe, twegereye buri porogaramu nitonze kandi ikwiye. Dufata umwanya wo gusobanukirwa intego zawe n'ibyifuzo byawe, tukemeza ko inguzanyo yawe ihuye nicyerekezo cyawe cy'ejo hazaza.Umuryango wa Broker,Gumana Inguzanyo,La Mortgage Broker Cyangwa Utanga inguzanyo, Twumva ko gutunga amazu ari ishoramari rikomeye, kandi ushaka kumenya neza ko uhitamo neza. Niyo mpamvu dutanga serivisi mbere yo kwemeza igushimisha. Ibikorwa byacu byabanje kwemezwa birihuta kandi byoroshye, biguha ishusho isobanutse yubushobozi bwawe bwo kuguza. Hamwe naya makuru mu ntoki, urashobora gushakisha byimazeyo isoko ryimitungo itimukanwa, uzi ko uri umuguzi ukomeye kandi wujuje ibyangombwa.

- Inguzanyo ya AAA Atari QM Gahunda yo kuguriza wenyine-Porogaramu y'inguzanyo - P&L (Kwitegura Inyungu & Gutakaza Gusa) - Inguzanyo ya AAA Ibisobanuro:

Amazina-3PL

Incamake

Abikorera ku giti cyabo baguriza gusa, badashobora kujyana ninguzanyo zinguzanyo zinzego, kandi ntibashaka gutanga impapuro zinyuranye zinjira.

Ibisobanuro

1) Nta mukono wa CPA ukenewe;
2) Umunyamahanga wemerewe;
3) Amafaranga y'inguzanyo agera kuri $ 10M;
4) amezi 12 yabitswe kuri PI (Ntabwo PITIA abandi batanga inguzanyo basabwa);
5) Nta musoro ukenewe;
6) Amafaranga yatanzwe;
7) Kwishura mbere munsi ya 30%;
8) Min. FICO 680.

Iyi gahunda niyihe? Ninde ushobora gusaba iyi gahunda?

• Waba uri inguzanyo wenyine?
• Uwatanze inguzanyo yasabye banki yawe yubucuruzi kugirango abone inguzanyo yujuje ibisabwa? Cyangwa abatanga inguzanyo bagusabye gusinya imenyekanisha ryimisoro kandi ukeneye inyandiko-mvugo?
• Wigeze uhagarikwa cyangwa uhakanwa nabatanga inguzanyo? Ese abatanga inguzanyo bigeze bavuga ngo "Ukurikije umurongo ngenderwaho"
• Waba uzi uburyo ushobora kuzuza inguzanyo yo munzu nta byangombwa byinjira? Nubwo imenyekanisha ryimisoro / imenyekanisha rya banki yubucuruzi, nibindi

Twebwe AAA Inguzanyo zitanga gahunda ikwiye itari QM yinguzanyo ikoreshwa mubihe byavuzwe haruguru, yitwa P&L (Inyungu & Igihombo). Iyi gahunda yagenewe abahawe inguzanyo bikorera ku giti cyabo kandi bakungukirwa n'ubundi buryo bwo gutanga inguzanyo. Ngiyo inyungu nziza kubikorera. CPA / CTEC / EA yarangije kandi yashyizweho umukono P&L irashobora gukoreshwa muburyo bwo kumenyekanisha imisoro kugirango yandike uwagurijwe wenyine. Igihe kimwe, twemeye no kuguriza yateguye P&L, nayo ninyungu nziza kubaguriza bamwe.

Kuki iyi gahunda yateguwe?

Ku baguriza bikorera ku giti cyabo, amezi 12/24 gahunda yo kumenyekanisha banki ni amahitamo meza, kubera ko iyi gahunda idakenera imenyekanisha ryimisoro hamwe na banki yubucuruzi. Ariko, mugihe bamwe mubasabye bafite ubucuruzi, bugoye ibibazo byubukungu hamwe na banki nyinshi, gahunda ya P&L irashobora kuba amahitamo meza kuri wewe. Kuva amezi 12/24 gahunda yo kumenyekanisha banki ifite aho igarukira kubisabwa na banki; ahari max. Amabanki atatu yerekana konti kubucuruzi bumwe, bushobora kuba imbogamizi iganisha kuri gahunda ya P&L.

Niki ukeneye gutegura kugirango wemeze vuba？

Iyo utanze inguzanyo kubaguriza, barashobora gukenera YTD (Umwaka-Kuri-Itariki) P&L (cyangwa wongeyeho umwaka ubanza P&L rimwe na rimwe), uruhushya rwubucuruzi, ibaruwa ya CPA, nibindi.
Byongeye kandi, ugomba kugenzura hamwe nitsinda ryacu ryohereza kugirango ubare amafaranga yambere

Ibicuruzwa birambuye:

Ibicuruzwa bifitanye isano:

Ibyo twiyemeje gukorera mu mucyo birenze ibyiciro byambere byinguzanyo. Turemeza ko wunvise neza amasezerano yinguzanyo yawe, harimo igipimo cyinyungu, amafaranga, nigiciro cyo gufunga. Ntibitangaje kumunsi wo gusoza. Twiyemeje kuguha ibisobanuro bitaziguye, bidafite jargon, kuburyo ushobora kwizera neza kugendana namafaranga yo kugura inzu cyangwa gutunganywa. - Inguzanyo ya AAA Non-QM Gahunda yo kuguriza yikorera wenyine - P&L (Kwitegura Inyungu & Gutakaza Gusa) - Inguzanyo za AAA, Ibicuruzwa bizatanga ku isi yose, nka: Iburayi, Bandung, Bandung, Ibicuruzwa byacu bigurishwa cyane muburayi, Amerika, Uburusiya, Ubwongereza, Ubufaransa, Ositaraliya, Uburasirazuba bwo hagati, Amerika yepfo, Afurika, hamwe n’amajyepfo yuburasirazuba bwa Aziya, nibindi. Isosiyete yacu yiyemeje guhora tunoza imikorere ya sisitemu yo gucunga kugirango abakiriya bacu barusheho kunyurwa. Turizera rwose ko tuzatera imbere hamwe nabakiriya bacu kandi tugashiraho ejo hazaza-hamwe. Murakaza neza kwifatanya natwe mubucuruzi!

-AAA Inguzanyo

Umuyobozi w'ikigo afite uburambe bukomeye bwo kuyobora no kwitwara neza, abakozi bagurisha barashyuha kandi bishimye, abakozi ba tekinike ni abahanga kandi bafite inshingano, ntabwo rero duhangayikishijwe nibicuruzwa, uruganda rwiza.
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