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.

Porogaramu niyihe?

Wigeze uhura nuru rubanza?
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?

Twebwe AAA Inguzanyo turaguha gahunda nziza itari QM– WVOE (Inyandiko 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, biweekly, 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 iyo ari yo yose ishobora gukora iyo gahunda. Uretse ibyo, bitandukanye nizindi gahunda, iyi gahunda ntabwo ikenera umutungo wabasabye cyane. Muri rusange, iyi ni gahunda nziza kubagurijwe bahembwa badashobora gukora inguzanyo zinzego.

Kubara gute?

- Koresha umushahara fatizo (igice cyakwezi, kabiri-icyumweru, cyangwa igipimo cyisaha nkuko ushyigikiwe na YTD) kuva WVOE.
Ingero:
Month Semi-ukwezi: Amafaranga y-ukwezi yagwijwe na 2 angana ninjiza buri kwezi.
◦ Icyumweru-Icyumweru: Amafaranga ya buri cyumweru yikubye 26 yagabanijwe na 12 angana ninjiza buri kwezi.
◦ Umwarimu yishyuye amezi 9: Amafaranga ya buri kwezi yikubye amezi 9 ugabanijwe n'amezi 12
bingana n'amafaranga yujuje ibisabwa buri kwezi.

Ibutsa umukoresha kuzuza urupapuro rwa WVOE, hanyuma uwagurijwe azakomeza inguzanyo byihuse.