Iziko leMveliso

Isishwankathelo

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

Iimbalasane zeNkqubo

1) Akukho P&L ifunekayo;
2) Akukho WVOE efunekayo;
3) Iinyanga ezili-12 ezigciniweyo ezibalwe kwi-PI;
4) Iimali zezipho ezivumelekileyo;
5) Imali mboleko ukuya kwi-$ 2.5M;
6) Thenga & Akukho R/T.

Yintoni uMvuzo ochaziweyo oyiNyaniso?

• Ngaba uyayazi indlela yokusebenzisa i-asethi kuphela ukuze ufaneleke kwimali mboleko yendlu yakho?
• Ngaba uye wanqunyanyiswa okanye wakhatywa ngumbolekisi ngenkqubo ye-WVOE (i-Written Verification of Employment)?
• Ingaba impahla yakho yexabiso ayinanto ingako xa ufuna ukuthenga indlu yakho?
• Ngaba umqeshi wakho ebengafuni kukubonelela ngefomu ye-WVOE okanye asebenzisane nayo?

Ukuba ukhe wadibana nezi meko zingasentla, inkqubo iyafana nenkqubo ye- {WVOE}, yenzelwe ababoleki abahlawulwayo kunye nababoleki abazisebenzelayo. Iimali-mboleko ezingezizo eze-QM zineenkqubo ezincinci ezintle kangangokuba abarhola imivuzo kunye nabanini bamashishini banokufaka izicelo zombini.

Isebenza njani le nkqubo?

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.

Ukuba ukhetha inkqubo yoMvuzo ochaziweyo oyiNyaniso, 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 sale nkqubo?

Nokuba ungumboleki womvuzo okanye umboleki ozisebenzelayo, ungafaka isicelo sale nkqubo. Kubaboleki bemivuzo, akukho maxwebhu akhethekileyo afunekayo xa ufaka isicelo semali mboleko yendlu entsha ye-Non-QM nombolekisi. Kubaboleki abazisebenzelayo okanye ababoleki be-1099, ileta ye-CPA inokufuneka.