Ibicuruzwa
Incamake ya Banki
Itangazo rya Banki: Uwagurijwe wenyine ku giti cye ufite inguzanyo nziza yinjiza amafaranga ku musoro ntashobora kuzuza inzu nziza bashobora kugura.
Igipimo:KANDA HANO
Gahunda Yerekana Gahunda ya Banki
Icyiza. LTV
90%
Icyiza. Amafaranga y'inguzanyo
$ 3.5M
Min. FICO
660
Yujuje ibisabwa na:
♦ Amezi 12 Banki Stmt
♦CPA Yateguye P&L / WVOE
Year Umwaka 1 / Imyaka 2 Yuzuye Doc
Ingingo z'ingenzi:
♦ OyaImisoro, P&L Birakenewe
. Emerera Gufunga Munsi ya LLC
♦Ikintu ntarengwa cyo gukoresha: 20%
♦ITIN na 1099 Abagurijwe bujuje ibisabwa
♦DTI Birenze 50% Byemewe
Nyamuneka hamagara igiciro:
• inguzanyo amt $ 3.5M- $ 20.0M • Umwaka 1 wuzuye Doc LTV> 80% • Umutungo wo mucyaro
Kuki Duhitamo Itangazo rya Banki?
Nubwo abafite amazu benshi bashobora kuzuza ibyangombwa byuzuye kugirango babone inguzanyo isanzwe, benshi ntibakurikiza amabwiriza ya Fannie na Freddie mugihe cyo gutanga inguzanyo. Ku bw'amahirwe, Inguzanyo zitari QM hamwe na banki zerekana ibyinjira byinjira ni ibisubizo byiza kuri aba baguriza badasanzwe.
Abikorera ku giti cyabo bafite amafaranga yo kwandika amafaranga menshi y’ubucuruzi hakurikijwe amategeko agenga imisoro. Kwandika amafaranga yakoreshejwe mubucuruzi yinjiza yose afasha abahawe inguzanyo kugabanya cyane imyenda yimisoro, kandi rimwe na rimwe byerekana igihombo rusange cyangwa inyungu mbi kumwaka. Imenyekanisha rya Banki Atari QM Inguzanyo izashobora gufasha aba baguriza kubona ibyangombwa byinguzanyo baterekanye imenyekanisha ryimisoro kandi bagakoresha impapuro zabo muri banki kugirango berekane amafaranga nyayo yubucuruzi bwabo.
Ninde Iyi Gahunda Yateguwe?
Iyi gahunda yagenewe abahawe inguzanyo bikorera ku giti cyabo kandi bakungukirwa n'ubundi buryo bwo gutanga inguzanyo. Inyandiko za banki zirashobora gukoreshwa muburyo bwo kumenyekanisha imisoro kugirango yandike uwagurijwe wenyine. Nkigihamya cyinjiza, byemewe na / cyangwa banki yubucuruzi biremewe.
Nibura umwe mubagurijwe agomba kuba yikorera wenyine byibuze imyaka 2 kugirango yemererwe niyi gahunda. Umutungo muto wa 25% mubucuruzi nabwo nibisabwa. Iki nikintu gisanzwe gisabwa kugirango umenye niba uwagurijwe ari uwikorera wenyine. Mu nguzanyo z'ikigo, duhora tuvuga K-1 cyangwa Gahunda G; mugihe kubwinguzanyo zitari QM, burigihe dukenera ibaruwa ya CPA kugirango tumenye nyirubwite.
Mubisanzwe, uwatanze inguzanyo yabara amafaranga yujuje ibyangombwa afata igiciro cyo hagati yabikijwe na banki mumezi 12 cyangwa 24, hanyuma akikuba kubintu bisanzwe. Ibyo bigomba kuba uwagurijwe yujuje ibyangombwa byiyi gahunda.
Kubijyanye no gukoresha amafaranga, abashoramari benshi batari QM barashobora kugira igipimo gisanzwe nka 50%. Nubwo ibi aribyo dusabwa bisanzwe, ariko niba CPA yawe ishobora gutanga ibaruwa ifite impamvu zifatika, turashobora gutekereza kubitekerezo byoroshye bitewe nuburyo imiterere yubucuruzi ifite amafaranga make.
Nyamuneka nyamuneka hamagara itsinda ryacu kugirango dusesengure ku buntu amafaranga yinjira mbere yo gutanga inguzanyo kugirango ufashe neza abakiriya bawe.
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