Gahunda yo Gutanga Amabanki ya AAA: Ibintu by'ingenzi Bitandukanya

Mu ngingo yacu yabanjirije iyi, AAAInguzanyoGahunda yo Kumenyekanisha muri Banki: Gutera inkunga byoroheje ku baguriza ku giti cyabo, twagaragaje uburyo gahunda yacu ijyanye no gukemura ibibazo bya ba rwiyemezamirimo, abigenga, n'abashoramari batimukanwa. Uyu munsi, turimo kwibira cyane mubintu bidasanzwe bituma iyi gahunda irushaho guhinduka kandi ikagerwaho kubaguriza bafite imyirondoro idasanzwe yimari.

Niki Cyakora Inguzanyo za AAA 'impapuro za bankiGahunda idasanzwe?

1. DTI Yisumbuye? Ntakibazo!

Uhangayikishijwe n'umwenda-winjiza (DTI) urenga 50%? Nta mpamvu yo guhangayika-gahunda yacu yagenewe kwakira abahawe inguzanyo na DTI zo hejuru. Twibanze ku ishusho nini yubuzima bwawe bwamafaranga, dutanga amahirwe aho abatanga inguzanyo gakondo bashobora gutindiganya.

2. Abaguriza ITIN Murakaza neza

Twese tuzi ibikenewe bitandukanye kumasoko yimitungo itimukanwa, harimo nabagurijwe bakoresha nimero iranga umusoreshwa ku giti cye (ITIN). Waba wikorera wenyine cyangwa ukorana nubundi buryo bwinyandiko, gahunda yacu yagukurikiranye.

3. Inyungu-Gusa Amahitamo yo Kwishura

Urashaka kugwiza amafaranga menshi? Inyungu zacu-Gusa uburyo bwo kwishyura butanga igisubizo cyoroshye kubaguriza bashaka kwishyura buri kwezi mugihe bibanda kubindi byihutirwa byimari cyangwa ishoramari.

4. Inkunga ya Condo

Abatanga inguzanyo benshi birinda udukingirizo tutemewe, ariko ntabwo AAA Inguzanyo. Dufite umwihariko wo gutanga inguzanyo kuriyi mitungo idasanzwe, tuguha uburyo bwo gutera inkunga imitungo itimukanwa ishobora kutagerwaho.

5. 1099 Abagurijwe Murakaza neza

Niba uri rwiyemezamirimo 1099, uzasanga Gahunda yacu ya Banki ijyanye neza nibyo ukeneye. Mugusuzuma ibyemezo bya banki aho gusaba imenyekanisha ryimisoro cyangwa W-2s, tworoshya inzira kandi dukingura imiryango kubaguriza bafite inzira zidasanzwe zinjiza.

Ninde Iyi gahunda Yuzuye?

- Ba rwiyemezamirimo bikorera ku giti cyabo: Kwagura amahirwe yawe ntarengwa ya DTI kandi nta bisabwa byo gusubiza imisoro.

- Abaterankunga naba rwiyemezamirimo: Ishimire inzira yoroshye ukoresheje kugenzura amafaranga 1099.

- Abaguriza ITIN: Kugera kumahitamo yinguzanyo yagenewe abantu bafite indi ndangamuntu.

- Abashoramari batimukanwa: Shakisha inkunga ku gakingirizo kutemewe cyangwa gukoresha inyungu-yonyine yo gucunga neza amafaranga.

Impamvu abaguriza bahitamo inguzanyo ya AAA

- Guhinduka: Kuva kumafaranga menshi ya DTI kugeza kubakira abahawe inguzanyo na ITIN, gahunda yacu ihuza nibihe bidasanzwe.

- Kuborohereza gukoreshwa: Nta musoro, nta W-2s, nta kibazo - gusa inzira yoroshye yo gusaba.

- Amahitamo yo Kurushanwa: Kwishura inyungu gusa hamwe no gutera inkunga udukingirizo twa condo byemerera amahirwe menshi kumigambi yawe yubukungu.

Tangira gusaba uyu munsi

Gahunda ya AAA y'inguzanyo ya Banki yubatswe kugirango yongere ubushobozi abahawe inguzanyo bakeneye ibisubizo byoroshye kandi byoroshye. Waba wikorera wenyine, rwiyemezamirimo, cyangwa ushaka gushora mumitungo idasanzwe, gahunda yacu ifite ibintu ukeneye gutsinda.

Twandikire nonaha kugirango umenye byinshi byukuntu dushobora kugufasha kugera kuri nyiri urugo cyangwa intego zishoramari ufite ikizere!