Dambudziko: Nyore
Nguva Yakakodzera: Maminitsi mashanu kana waziva Cash Flow Before Taxes
Heino Ndezvipi:
- Sarudza kushamba kwemari pamberi pemitero.
- Bvisa mutoro wemutero, mari nehurumende.
Mhedzisiro ndeyeCash Flow Pashure pemitero.
- Imwe nzira yekuverenga CFAT ndeyi:
CFAT = Mutengo Wemari + Kuwedzerwa Kwekuderedza + Kuda Kwemari + Zvimwe Zvisiri Zvebhadharo
Havasi ivo vakasiyana, sezvo iwe uri kungowedzera zvakare mari yezvinhu zvakadzingwa kubva kuCash Flow Pamberi Maverengi ekuverenga. MuCFBT kuverenga, kubhadhara chikwereti kunodzingwa kubva kuNet Revenue, sezvo iri mari yakabuda. Zvisinei, kuderedza uye kufarira kune zvose zvinobviswa pamitero uye saka zvinowanikwa zvakare kuti iwane CFAT.
Mazano:
Gamuchira nzvimbo yezvemari yekuwedzera chepadheseti pano.
Hurumende uye Vashandi
Mitero ndeye hurumende, saka unoregerei kutaura pamusoro pehutano hwakasiyana-siyana hwehurumende nehurongwa hwehutengo hwekubhadhara chikwereti uye simba ravo pamusika weimba. Ndichakubatanidza kwavari kuitira kuti iwe uite zvimwe zvinotsvakurudza.
HUD pamusoro pebasa iri rebazi:
Basa reHUD nderekusika masimba, akachengetedzeka, akabatana nemisha uye misha yakakwana yevose. HUD iri kushanda kusimbisa misika yemumba yekusimbisa hupfumi uye kudzivirira vatengi; kugadzirisa kudiwa kwehutano, dzimba dzinoshandiswa dzimba dzinotengwa; kushandisa dzimba senzvimbo yekuvandudza hupenyu hwehupenyu; kuvaka nharaunda uye dzinogara dzakasununguka pasina rusarura, uye kuchinja nzira iyo HUD inoshandisa bhizinesi.
FHA inodzivirira zvikwereti:
The Federal Housing Administration, inowanzozivikanwa se "FHA," inopa mortgage inshuwarisi kune zvikwereti zvakaitwa neFHA-approved zvikwereti muUnited States nenharaunda dzayo. FHA inodzivirira zvikwereti pamhuri isina kuroorwa uye mudzimba dzakawanda dzinosanganisira dzimba dzakagadzirwa uye zvipatara. Ndiyo inonyanya kuisa insurer yezvitoro zvepasi rose, kuisa mari kune mamiriyoni 34 kubva pakatanga muna 1934.
VA, Veterans Mushahara Wemari:
VAbatsira nhengo dzeMabasa, Veteran, uye vakakodzera vanoparadzana vanova vimba. Sechikamu chekutumwa kwedu kukushandirai, tinopa mvumo yekubhadhara mari yekuchengetedza pamba uye mamwe mapurogiramu ane chokuita neimba kuti akubatsire kutenga, kuvaka, kugadzirisa, kuchengeta, kana kugadzirisa imba yako pachako.
VA Mibairo yeMusha inowanikwa nevashambadzi vega, semabhanki uye makambani ekubhadhara mari. VA inotsigira chikamu chechikwereti, zvichiita kuti mutengesi akupei mamwe mazwi anofadza.
FHFA, Federal Housing Finance Agency:
Chinangwa chedu ndechekuita kuti hurumende dzakabhadharwa nehurumende dzive nehutano hwakanaka uye dzakanaka, saka dzinoshanda sechivimbo chekugadzirisa mari uye mari yekubhadhara mari uye yekusimwa kwemunharaunda. Pamwe pamwe aya masangano anopa mari inodarika $ 5 triloni mumari yekubhadhara mari yeAmerica yemari uye yezvemari.
Fannie Mae Homepath Purogiramu:
Imba yakatarwa inogona kumira mukana mukuru uye yakanaka-asi HomePath pfuma inogona kupa zvakanyanya. Dzimwe dzimba dzinogona kukodzera kuwana zvikurudziro zvakakosha, izvo zvicharatidzwa zvakajeka pane imwe nzvimbo yepamusoro yepaimba yeimba yakakodzera.
Freddie Mac anochengetedza chikwereti chemusha:
Freddie Mac akashandurwa neCongress muna 1970 nechinangwa chehurumende chekusimudzira nyika yekugara kwemari yekutengesa mari uye kuwedzera mikana yeimba yekuchengetedza dzimba uye yekugara kwemaimba ekubhadhara. Basa redu remitemo nderokupa ruzivo, kugadzikana, uye kugona kumakiti emuAmerica emari.
Tinotora chikamu chechipiri chekutengesa misika nekutenga chikwereti chekutora zvikwereti uye kuchengetwa kwekodzero dzekubhadhara uye kubhadhara kuchengetedzwa kwakachengetedzwa kwekutengesa mari, kunyanya avo vatinoti PC. Imwe misika yemari yekubhadhara mari inosanganisira masangano anobatanidzwa mukutenga uye kutengesa zvikwereti zvakadai sezvikwereti zvizere (kureva, zvikwereti zvisingabhadharwi) nekuchengetwa kwekwereti. Hatikweretesi mari zvakananga kune vimba.
Iwe unogona kuona kuti pane nhamba yezvirongwa zvakagadzirirwa kuita kuti pamba uwane.