Inkqubo yeNgxelo yeBhanki ye-AAA yokuBoleka: Iimpawu eziPhambili eziBeke kuyo

Kwinqaku lethu langaphambili, AAAIimali-mboleko' Inkqubo yeNgxelo yeBhanki: Ukubonelelwa ngeMali Lula kwabo baBolekayo abaziQeshayo, siye saqaqambisa indlela inkqubo yethu elungiselelwe ngayo ukuhlangabezana neemfuno zamashishini, ii-freelancers, kunye nabatyali bezindlu. Namhlanje, singena nzulu kwiimpawu ezizodwa ezenza le nkqubo ibe bhetyebhetye ngakumbi kwaye ifikeleleke kubaboleki abaneeprofayili zemali ezingaqhelanga.

Yintoni eyenza ukuboleka kwe-AAA 'isiteyithimenti sebhankiInkqubo eyodwa?

1. I-DTI ephezulu? Akhongxaki!

Unexhala malunga nomlinganiselo weTyala kuMvuzo (DTI) ogqitha kuma-50%? Akukho mfuneko yoxinzelelo-inkqubo yethu yenzelwe ukwamkela ababoleki abane-DTI ephezulu. Sigxila kumfanekiso omkhulu wempilo yakho yezemali, ukubonelela ngamathuba apho ababolekisi bemveli banokuthandabuza.

2. Ababoleki be-ITIN Wamkelekile

Siyaziqonda iimfuno ezahlukeneyo zemarike yezindlu, kubandakanywa ababoleki abasebenzisa iNombolo yeSaziso soMhlawuli weRhafu (ITIN). Nokuba uyazisebenza okanye usebenza ngezinye iindlela zokubhaliweyo, inkqubo yethu ikugqumile.

3. Inzala-Kuphela Ukhetho Lwentlawulo

Ujonge ukwandisa ukuhamba kwemali? Indlela yethu yokuhlawula Inzala-Kuphela ibonelela ngesisombululo esibhetyebhetye kubaboleki abafuna iintlawulo ezisezantsi zenyanga ngelixa begxile kwezinye izinto eziphambili ngemali okanye utyalo-mali.

4. Inkxaso-mali ye-Condo engaXolwanga

Ababolekisi abaninzi bayemka kwiicondos ezingenasiqinisekiso, kodwa hayi i-AAA Lendings. Sisebenza ngokukhethekileyo ekuboneleleni ngemali mboleko yezi propati zikhethekileyo, sikunika ukufikelela kwiinketho zemali zokuthenga izindlu nomhlaba onokuthi ube ungafikelelekiyo.

5. 1099 Ababoleki Wamkelekile

Ukuba ungunokontraka we-1099, uya kufumana iNkqubo yethu yeNgxelo yeBhanki ilungele iimfuno zakho. Ngokuphonononga iziteyitimenti zakho zebhanki endaweni yokufuna iimbuyekezo zerhafu okanye ii-W-2s, senza lula inkqubo kwaye sivule iingcango kubaboleki abanengeniso engeyiyo eyemveli.

Ngubani Le Nkqubo Perfect For?

-AbaSomashishini abaZiqeshileyo: Yandisa amathuba akho ngemida ephezulu ye-DTI kwaye akukho mfuneko yokubuyiswa kwerhafu.

-Abasebenzi abazimeleyo kunye neeKontraka: Yonwabela inkqubo elungelelanisiweyo usebenzisa i-1099 yokuqinisekisa ingeniso.

- Ababoleki be-ITIN: Ukufikelela kwiinketho zokubambisa ezenzelwe abantu abanokuchongwa okungenye.

- Abatyali bezindlu ezithengiswayo: Phonononga inkxaso-mali yee-condos ezingabonelelwanga okanye unyuse intlawulo yenzala kuphela yolawulo olungcono lokuphuma kwemali.

Kutheni ababoleki bakhetha i-AAA yokuboleka imali

- Ukuguquguquka: Ukusuka kwizibonelelo eziphezulu ze-DTI ukuya kubaboleki be-ITIN, inkqubo yethu ihambelana nemeko yakho ekhethekileyo.

- Ukusebenziseka lula: Akukho mbuyekezo yerhafu, akukho W-2s, akukho nkathazo-nje inkqubo yesicelo elula kwaye ecacileyo.

- Iinketho zoKhuphiswano: Iintlawulo zenzala-kuphela kunye nenkxaso-mali ye-condo engagunyaziswanga ivula amathuba amaninzi kwiinjongo zakho zemali.

Qala isicelo sakho namhlanje

Inkqubo yeNgxelo yeBhanki ye-AAA yakhiwe ukuxhobisa ababoleki abafuna izisombululo eziguquguqukayo nezifikelelekayo zemali. Nokuba uziqeshile, unokontraka, okanye ujonge ukutyala imali kwiipropati ezizodwa, inkqubo yethu ineempawu ozidingayo ukuze uphumelele.

Qhagamshelana nathi ngoku ukuze ufunde ngakumbi malunga nendlela esinokukunceda ngayo ufezekise ubunini-khaya bakho okanye iinjongo zotyalo-mali ngokuzithemba!