Lungelelanisa iMvume yakho yeMboleko-mali usebenzisa iSelf P&L Documentation

Ukuhamba ngenkqubo yokuvunywa kwe-mortgage e-US kunokuba ngumsebenzi onzima, kodwa i-AAAIimali-mbolekoilapha ukwenza kube lula. Indlela yabo eyodwa egxile kuxwebhu lweSelf P&L iguqula indlela ababoleki abafumana ngayo imali yokubambisa.

I-AAA Lendings ichithe ngaphezulu kweminyaka engama-22 igxileImali-mboleko engeyiyo Qms, ukuqinisa isikhundla sabo njengeengcali kulo mmandla. Baye baxhasa ngaphezulu kweentsapho ezingama-60,000 kunye neemali-mboleko ezivaliweyo ezixabisa i-2 yeebhiliyoni zeedola ngo-2021 kuphela. La mava abanzi abavumela ukuba baqonde iimfuno ezahlukeneyo zababoleki kwaye banike izisombululo ezilungiselelwe.

Imfuno ye-P&L eZilungiseleleyo kuphela kwizicelo ze-mortgage yinzuzo ebalulekileyo. Ngokomzekelo, abatyali bezindlu abaxhomekeke kwingeniso yerenti banokusebenzisa i-DSCR (i-Debt Service Coverage Ratio) ukhetho. Ngokubonelela nge-Self P&L, banokungqina ukuba iipropathi zabo zokurenta zenza ingeniso eyaneleyo yokuhlawula iintlawulo zokubambisa. Oku akupheleli nje ekufezekiseni inkqubo yesicelo kodwa kukwanika abatyali-mali ithuba lokwandisa iipotfoliyo zabo.

Elinye iqela elixhamla kakhulu kolu khetho ngama-freelancers. Abasebenzi abasebenza ngokuzimeleyo bahlala benemithombo yengeniso engaqhelekanga, nto leyo eyenza kube nzima ukubonelela ngembuyekezo yerhafu eqhelekileyo. Ngamaxwebhu e-Self P&L, banokubonisa umfanekiso ocacileyo wemivuzo yabo kunye neendleko, okwenza i-AAA Lendings ivavanye umthamo wabo wentlawulo ngokuchanekileyo.
Ubungqina obuhle obuvela kubathengi buthetha ngokubanzi malunga nokusebenza kwale ndlela. Ababoleki abaninzi baye bancoma iqela kwi-AAA Lendings ngobuchule babo kunye nokusebenza kakuhle. Baye bakwazi ukuvala iimali-mboleko ngexesha elifutshane, rhoqo kwiiveki ezi-2, nangona ixesha elibekiweyo elibekwe ngabameli abathengisayo.

Ukongeza kokulula ukusebenzisa i-Self P & L, i-AAA Lendings inikeza i-HELOC (i-Home Equity Line yeTyala) ngaphandle kwesohlwayo esihlawulwa kwangaphambili. Oku bhetyebhetye okongeziweyo, kudityaniswe nenketho yemali mboleko yoluntu ebonelela ngetyala elongezelelweyo le-4,500 yeedola, ibenza babe lolona khetho luphezulu kubaboleki. Ngamafutshane, ukuba ufuna inkqubo yemvume yokubolekwa kwendlu engasokoliyo, ungajongi ngaphaya kwe-AAA Lendings kunye nokusetyenziswa kwayo okutsha kwe-Self P&L yamaxwebhu.