Igicuruzwa Cyinshi kitari QM Yikorera wenyine gahunda yo kuguriza- P&L (Inyungu nigihombo) inguzanyo nishoramari |INGINGO ZA AAA

Ibisobanuro birambuye

Incamake

Abikorera ku giti cyabo gusa, badashobora kujyana ninguzanyo zinguzanyo, kandi badashaka gutanga ibyangombwa byinjira.

Ibisobanuro

1) Amafaranga yinguzanyo agera kuri $ 2.5M;
2) LTV igera kuri 75%;
3) amanota 620 cyangwa menshi;
4) Abanyamahanga baraboneka **
5) Nta MI (Ubwishingizi bw'inguzanyo);
6) Ikigereranyo cya DTI-- Imbere 38% / Inyuma 43%;
7) Uwagurijwe yateguye P&L iremewe **

Iyi gahunda niyihe?Ninde ushobora gusaba iyi gahunda?

• Waba uri inguzanyo wenyine?
• Ese uwatanze inguzanyo yasabye banki yawe yubucuruzi kugirango abone inguzanyo yujuje ibisabwa?Cyangwa abatanze inguzanyo bagusabye gusinya imenyekanisha ryimisoro kandi ukeneye inyandiko-mvugo?
• Waba warigeze guhagarikwa cyangwa guhakanwa nabaguriza ibigo?Ese abatanga inguzanyo bigeze bavuga ngo "Ukurikije umurongo ngenderwaho"
• Waba uzi uburyo ushobora kuzuza inguzanyo yo munzu nta byangombwa byinjira?Nubwo imenyekanisha ryimisoro / imenyekanisha rya banki yubucuruzi, nibindi.

Twebwe AAA Inguzanyo ubu turatanga gahunda yinguzanyo itari QM ikoreshwa mubihe byavuzwe haruguru, yitwa P&L (Inyungu & Gutakaza).Iyi gahunda yagenewe abahawe inguzanyo bikorera ku giti cyabo kandi bakungukira mu bundi buryo bwo gutanga inguzanyo.Ngiyo inyungu nziza kubikorera.CPA / CTEC / EA yarangije kandi yashyizweho umukono P&L irashobora gukoreshwa muburyo bwo kumenyekanisha imisoro kugirango yandike uwagurijwe wenyine.Igihe kimwe, twemeye no kuguriza yateguye P&L, nayo ninyungu nziza kubaguriza bamwe.

Kuki iyi gahunda yateguwe?

Ku baguriza ku giti cyabo, gahunda yo kumenyekanisha banki amezi 12/24 ni amahitamo meza, kubera ko iyi gahunda idakenera imenyekanisha ryimisoro hamwe na banki yubucuruzi.Ariko, mugihe bamwe mubasabye bafite ubucuruzi, bugoye mubibazo byubukungu hamwe na banki nyinshi, gahunda ya P&L irashobora kuba amahitamo meza kuri wewe.Kuva amezi 12/24 gahunda yo kumenyekanisha banki ifite aho igarukira kubisabwa na banki;birashoboka.Inyandiko eshatu za banki zibarizwa mubucuruzi bumwe, bushobora kuba imbogamizi iganisha kuri gahunda ya P&L.

Niki ukeneye gutegura kugirango byemerwe vuba？

Iyo utanze inguzanyo kubaguriza, barashobora gukenera YTD (Umwaka-Kuri-Itariki) P&L (cyangwa wongeyeho umwaka ubanza P&L rimwe na rimwe), uruhushya rwubucuruzi, ibaruwa ya CPA, nibindi rero inzira zombi nibyiza kubitanga mugitangiriro gutanga cyangwa iyo kwemeza inguzanyo.
Byongeye kandi, ugomba kugenzura hamwe nitsinda ryacu ryohereza kugirango ubare amafaranga yambere