ʻO nā hōʻaiʻē hōʻaiʻē Bank: Nā ʻoluʻolu moraki i hoʻopili ʻia no nā pono ʻaiʻē like ʻole

ʻAʻole kūpono nā kānaka a pau i ka pahu moraki maʻamau, a ma laila kahi e ʻike ai nā hōʻaiʻē Bank Statement. Ua kūkulu ʻia no kahoohanaianā mea hōʻaiʻē a me nā poʻe me ka loaʻa kālā kūʻokoʻa, hāʻawi kēia hōʻaiʻē i kahi koho maʻalahi i ke kālā maʻamau. Me ka ʻole o ka hoʻihoʻi ʻauhau, hoʻohana ʻo ia i 12 mau mahina o nā ʻōlelo panakō e nānā i kāu loaʻa kālā - kūpono no ka poʻe i hōʻike ʻole ʻia nā mea ʻauhau. Hiki i nā hōʻaiʻē Bank State ke kōkua iā ITIN a me 1099 nā mea hōʻaiʻē.

He mau hiʻohiʻona maikaʻi nā hōʻaiʻē Bank Statement. Hiki iā ʻoe ke hōʻaiʻē mai $150,000 a i $3.5 miliona no ke kūʻai ʻana, ka hoʻopuka kālā ʻana, a i ʻole ka hoʻihoʻi kālā—uhi.Papahananā hale, nā hale ʻelua, a me nā waiwai hoʻopukapuka, ʻoiai nā condos pono ʻole. Pono ʻoe i kahi helu ʻaiʻē 660, a wehe ʻia nā hōʻaiʻē Bank Statement i nā kamaʻāina, nā mea paʻa kāleka ʻōmaʻomaʻo, nā kamaʻāina noho ʻole, a me nā mea hōʻaiʻē ITIN. Hiki i nā mea hōʻaiʻē hoʻolimalima ke pani ma lalo o kahi inoa ʻoihana no ka maʻalahi. Kākoʻo ka papahana i nā mea hōʻaiʻē hoʻohana ponoʻī me 1099 a i ʻole nā ​​ʻōlelo panakō.

Loaʻa iā ʻoe nā koho no nā ʻōlelo hōʻaiʻē. E koho i kahi uku paʻa 30 makahiki no ka uku paʻa a i ʻole kahi hoʻolālā hoihoi wale nō. Hoʻohana nā hōʻaiʻē Bank Statement i nā ʻōlelo panakō a i ʻole nā ​​palapala 1099 e nānā i ka loaʻa kālā, e hoʻomaikaʻi iā lākou no nā manuahi a me nā ʻaelike.

ʻO kahi hoʻohui nui ka ʻae ʻana iā DTI ma mua o 50%. ʻAʻole ʻōlelo pinepine nā hōʻaiʻē kuʻuna i nā lakio ʻaiʻē kiʻekiʻe i ka loaʻa kālā, akā ʻike ʻo Bank Statement Loans e ʻoi aku ka nui o nā lilo a ka poʻe ʻaiʻē hana ponoʻī. Kōkua kēia i ka poʻe ʻoihana e loaʻa kahi moraki i kūpono i ko lākou ola. ʻO nā mea hōʻaiʻē paʻa ponoʻī me ka loaʻa kālā 1099 makemake i nā hōʻaiʻē Bank Statement, ʻoiai inā ʻoi aku kā lākou DTI ma mua o 50%.

Hiki ke loaʻa iā lākou. Inā loaʻa iā ʻoe kahi banekorupa, paʻa, a kūʻai liʻiliʻi paha, hiki iā ʻoe ke kūpono inā ʻekolu mau makahiki. ʻOi aku ka maikaʻi o ka koho 1099 no nā limahana kūʻokoʻa, a ʻaʻole pono ka hoʻihoʻi ʻauhau ʻoi aku ka liʻiliʻi o ka pepa.

No ka hoʻopili ʻana, ʻo ka Bank Statement Loans kahi koho akamai no nā ʻano ʻaiʻē āpau. Ma ka nānā ʻana i nā ʻōlelo panakō a me ka ʻae ʻana iā DTI ma mua o 50%, kōkua lākou i nā mea hōʻaiʻē hoʻolimalima ponoʻī, nā mea paʻa ITIN, a me nā mea ʻē aʻe i kūpono ʻole i nā lula hoʻolimalima kuʻuna. Inā ʻoe e kūʻai ana i home a i ʻole ka hoʻihoʻi kālā ʻana, lawe mai ka Bank Statement Loan i ka maʻalahi a me ka hoʻopili ʻana.