Ikigo cyibicuruzwa

Incamake

Abaguriza umushahara gusa, badashobora kujyana ninguzanyo zinguzanyo zinzego, kandi ntibashaka gutanga impapuro zinyuranye zinjira.

Ibisobanuro

1) Umunyamahanga wemerewe;
2) amezi 12 yabitswe kuri PI (Ntabwo PITIA abandi batanga inguzanyo basabwa);
3) Nta mushahara wo kwishyura / W-2 / imenyekanisha ry'umusoro ukenewe;
4) Amafaranga yatanzwe;
5) Amafaranga y'inguzanyo agera kuri $ 2.5M;
6) Kwishura mbere munsi ya 30%;
7) Min. FICO 680.

WVOE ni iki?

Wigeze ubona ibintu nk'ibi?
Ese uburyo bwo gutanga inguzanyo bwongeye kuvugurura umushahara?
Uwatanze inguzanyo yabaze amafaranga winjiza akakubwira ko utujuje ibyangombwa byinguzanyo yinzu?
Biragoye kubona kopi yawe ya W2s cyangwa umushahara?

Inguzanyo ya AAA iguha gahunda nziza itari QM - WVOE (Verification yanditse yakazi). Niba abahawe inguzanyo bahembwa bahabwa umushahara uhoraho cyangwa umushahara uva kumukoresha mugusubiza serivisi yatanzwe kandi badafite uburenganzira cyangwa inyungu ziri munsi ya 25% mubucuruzi.

Abahawe inguzanyo bahembwa bahabwa umushahara uhoraho cyangwa umushahara utangwa n'umukoresha mu gusubiza serivisi yatanzwe kandi nta nyungu bafite cyangwa inyungu ziri munsi ya 25% mu bucuruzi. Indishyi zishobora gushingira ku isaha, buri cyumweru, kabiri-buri cyumweru, buri kwezi, cyangwa igice cya buri kwezi. Niba buri saha, umubare wamasaha ateganijwe ugomba gukemurwa. Amafaranga yinjiye yagenzuwe agomba guhindurwa mumadorari yukwezi kugirango akoreshwe kubisabwa (Ifishi ya FNMA 1003). Mubushishozi bwumwanditsi, hashobora gusabwa inyandiko yinyongera yinjiza.

Ni izihe nyungu?

Kuri iyi gahunda, uwatanze inguzanyo akeneye gusa urupapuro rwa WVOE kugirango abare amafaranga yujuje ibyangombwa, nta zindi nyandiko zinjira zikenewe. Ibi bigomba kuba ingingo zingenzi zingenzi ziyi gahunda. Nta nguzanyo nimwe yikigo ishobora gukora gahunda nkiyi. Uretse ibyo, bitandukanye nizindi gahunda, abahawe inguzanyo ntibakeneye gutanga ibyangombwa byinshi byumutungo kuriyi gahunda. Muri rusange, iyi ni gahunda nziza kubagurijwe bahembwa batujuje ibyangombwa byinguzanyo.

Nigute ushobora kubara umushahara?

- Koresha umushahara fatizo (igice cyakwezi, kabiri-icyumweru, cyangwa igipimo cyisaha nkuko ushyigikiwe na YTD) kuva WVOE.
Ingero:
- Semi-ukwezi: Umushahara wa Semi-ukwezi wikubye 2 uhwanye ninjiza buri kwezi.
- Icyumweru cya kabiri: Umushahara wa buri cyumweru wikubye 26 ugabanijwe na 12 bingana ninjiza buri kwezi.
- Umwarimu yishyuye amezi 9: Umushahara wa buri kwezi wikubye amezi 9 ugabanijwe n amezi 12 ahwanye ninjiza yujuje ibyangombwa buri kwezi.

Ibutsa umukoresha kuzuza ifishi ya WVOE, hanyuma uwatanze inguzanyo azakomeza inguzanyo byihuse.