Iziko leMveliso

Isishwankathelo

Sebenzisa iidiphozithi zeenyanga ezi-6 zoMboleki zomvuzo wenyanga ukuxhasa umvuzo ochaziweyo ngo-1003.

* Ilizwe langaphandle okanye iCash Out ayifumaneki

Iimbalasane zeNkqubo

7/6 ARM (5/1/5); 5/6 ARM (2/1/5)

1) Akukho P&L ifunekayo;
2) Akukho WVOE efunekayo;
3) Akukho zimbuyekezo zeRhafu ezifunekayo;
4) Akukho 4506-T efunekayo;
5) Iimali zesipho ezivumelekileyo;
6) Imali-mboleko ukuya kwi-$ 2.5M;
I-7) Ukuthenga kunye ne-R / T Refinance ziyafumaneka.

Yintoni Elite True Stated Ingeniso?

• Ngaba uyayazi indlela yokusebenzisa ii-asethi ezaneleyo kuphela ukuze ukwazi ukufumana imali mboleko yendlu?
• Ngaba uye wanqunyanyiswa okanye wakhatywa ngumbolekisi ngenkqubo ye-WVOE (i-Written Verification of Employment)?
• Ngaba awunampahla yaneleyo xa ufuna ukuthenga indlu yakho?
• Ngaba umqeshi wakho ebengafuni kukubonelela ngefomu ye-WVOE okanye asebenzisane nayo?

Inkqubo iyafana nenkqubo {yeNgeniso echaziweyo eyinyani}, yenzelwe ababoleki abahlawulwayo kunye nababoleki abazisebenzelayo.

Isebenza njani i-Elite True Stated Income?

Kanye njengegama lemveliso, le nkqubo ifanelekile nge-asethi nayo. Bona ngezantsi:

· Ingeniso echaziweyo ithetha ukuba umboleki uchaza umvuzo wakhe okhoyo ngoku OKUQINISEKILEYO ngo-1003

(Isicelo).

· Siyaqinisekisa ukuba umvuzo wabo wenyanga unokuXHASWA zii-asethi ezingamanzi phambi kokuvalwa.

Ukubala:

Ii-asethi / 6 kufuneka zibe nkulu kunomvuzo ochaziweyo

· Ugqirha wezoNyango oneedola ezingama-300,000 kwii-asethi kunye nengeniso ye-1003 ye-20,000 yeedola ngenyanga?
Ewe, le meko ifanelekile. I-$ 300,000 / 6 = i-$ 50,000 enkulu kune-$ 20,000 yengeniso yenyanga edweliswe kwisicelo. Sisebenzisa i-$ 20,000 yokufaneleka.

· Umvuzo woMvuzo uMasseuse one-$100,000 yempahla kunye nengeniso exeliweyo ye-15,000 yeedola ngenyanga?
Hayi, le meko ayifanelekanga. Nangona i-$ 100.000 / 6 = i-$ 16,666> i-$ 15,000 eyingeniso yenyanga echazwe. akukho ngqiqweni ukuba umvuzo we-masaeuse wenze i-15,000 yeedola ngenyanga.

· Ukuziqeshisa ngokuPhumayo / UkuThumela ngaphandle kweSomashishini kunye ne-500,000 yeedola kwii-asethi kunye nengeniso echaziweyo ye-100,000 yeedola ngenyanga?
Ewe, le meko ifanelekile. $500,000 / 6 = $83,333 & mboleki ithi $100,000 ngenyanga. Nangona kunjalo kuphela i-83,333 yeedola ezisetyenziselwa iinjongo zemfundo.

Ukuba sikhetha i-Elite True Stated Income, umboleki uya kufunwa kuphela ukuba abonelele ngeNgeniso ye-Asethi esekelwe kwiSicelo seMali-mboleko (1003). Le ngeniso iya kusetyenziswa ukubala ityala elifanelekileyo kumlinganiselo wengeniso.

Ngubani onokufaka isicelo se-Elite True Stated Income?

Njengoko kukhankanyiwe apha ngasentla, nokuba ungumboleki womvuzo okanye ozisebenzelayo, ungafaka isicelo se-Elite True Stated Income. Kumboleki womvuzo, amaxwebhu akhethekileyo awafuneki xa ufaka isicelo semali mboleko yendlu entsha kunye nombolekisi ongeyena-QM. Kubaboleki abazisebenzelayo okanye ababoleki 1099, ileta CPA kufuneka.