Bayanan Bayanin Banki
Bayanin Banki: Ma'aikaci mai cin bashi mai ƙwaƙƙwaran ƙira wanda kuɗin shiga ya bayyana a kan kuɗin harajin su ba zai cancanci su zama gidan alatu da za su iya ba.
Darajar:NAN
Babban Fa'idodin Shirin Bayanin Banki
1) Max.Adadin Lamuni $3M;
2) Max.LTV 90%;
3) Min.Fico 660;
4) Min.ajiyar watanni 6;
5) Babu Komawa Haraji.
Watanni 12 CPA P&L
Da fatan za a kira farashi game daGidan da aka kera, Shekara 1 Mai Aiki Kai, ko lamuni amt <$150K ko>$3.0M.
Me yasa muke zaɓar Bayanin Banki?
Ko da yake yawancin masu gida na iya samun sauƙin cancanta tare da cikakkun takardu don jinginar gida na al'ada, da yawa har yanzu ba su dace da jagororin Fannie da Freddie ba idan ya zo ga buƙatun lamuni.Sa'ar al'amarin shine, lamunin da ba na QM ba da takaddun bayanan samun kudin shiga na banki sune mafita ga waɗannan masu karbar bashi na gargajiya.
Mutane masu zaman kansu suna da izinin rubuta kashe kuɗin kasuwanci da yawa a ƙarƙashin lambar harajin IRS.Rubuce kuɗaɗen kasuwanci daga babban kuɗin shigarsu yana taimaka wa masu karɓar bashi da rage yawan kuɗin harajin su, kuma wani lokacin yana nuna asarar gaba ɗaya ko rashin samun kudin shiga na shekara.Lamuni maras-QM na Bayanin Banki zai iya taimaka wa waɗannan masu ba da bashi don cancantar jinginar gida ba tare da nuna bayanan harajin su ba kuma suyi amfani da bayanan banki don nuna ainihin tsabar kuɗin kasuwancin su.
Wanene aka tsara wannan shirin?
An ƙirƙiri wannan shirin don masu karɓar bashi waɗanda suke sana'o'in dogaro da kai kuma za su amfana daga madadin hanyoyin cancantar lamuni.Za a iya amfani da bayanan banki a matsayin madadin dawo da haraji don tattara kuɗin shiga mai cin bashi mai zaman kansa.A matsayin tabbacin samun kudin shiga, ana ba da izinin bayanan banki na sirri da/ko na kasuwanci.
Aƙalla ɗaya daga cikin masu karɓar bashi dole ne ya kasance mai zaman kansa na akalla shekaru 2 don samun cancantar wannan shirin.Matsakaicin ikon mallakar kashi 25% a cikin kasuwancin shima sharadi ne.Wannan daidaitaccen buƙatu ne don tantance idan mai karɓar bashi mai cin gashin kansa ne.A cikin lamunin hukuma, koyaushe muna komawa zuwa K-1 ko Jadawalin G;yayin da ba lamunin QMM ba, koyaushe muna buƙatar wasiƙar CPA don tabbatar da ainihin mallakar.
Yawancin lokaci, mai ba da lamuni zai ƙididdige kuɗin shiga mai cancanta ta hanyar ɗaukar matsakaicin ƙimar ajiyar bayanan banki a cikin watanni 12 ko 24, sannan ya ninka ta daidaitaccen ma'auni.Wannan ya zama ƙwararrun kuɗin shiga na mai karɓar don wannan shirin.
Dangane da batun kashe kuɗi, yawancin masu saka hannun jari waɗanda ba na QM ba na iya samun daidaitaccen rabo kamar 50%.Ko da yake wannan ma daidaitaccen buƙatun mu ne, amma idan CPA ɗin ku na iya ba da wasiƙa tare da dalilan da suka dace, ƙila mu ɗauki la'akari da yanayin kashe kuɗi mai sassauƙa saboda yanayin kasuwancin yana da ƙarancin kashe kuɗi.
Da fatan za a tuntuɓi ƙungiyarmu don nazarin kuɗin shiga kyauta kafin ƙaddamar da lamuni don ku taimaka wa abokan cinikin ku da kyau.
