Incamake ya Banki
Igipimo:KANDA HANO
Gahunda Yerekana Gahunda ya Banki
1) Icyiza.Inguzanyo ingana $ 3M;
2) Icyiza.LTV 90%;
3) Min.Fico 660;
4) Min.Kubika amezi 6;
5) Nta musoro.
Amezi 12 CPA P&L
Nyamuneka hamagara kubiciroUrugo rwakozwe, 1 Yrs Yikorera wenyine, cyangwa inguzanyo amt <$ 150K cyangwa> $ 3.0M.
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.
Iyi gahunda yagenewe nde?
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 ku nguzanyo zitari QM, dukenera buri gihe 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.
