Iziko leMveliso

Isishwankathelo

Ingxelo yeBhanki yePotfoliyo
Ipotfoliyo DSCR
I-Potfoliyo ye-DSCR yeSizwe yaNgaphandle

* Ukuthengisa kuphela

Iinkcukacha

1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Umlinganiselo wokuthenga phantsi kwesiqendu 1:2;
3) Uluhlu lweMali-mboleko ye-$ 500,000 - i-$ 5,000,000.

* Umlinganiselo we-Buyup ngaphezu komlinganiselo ongamkelekanga

Yintoni le nkqubo?

Ingxelo yeBhanki yePotfoliyo

1) Umrhumo womboleki ngokufanayo nenkqubo yepotfoliyo;

I-2) Ukuphononongwa kweTrust / iQumrhu, ukuba kuyasebenza i-$ 300;

3) Uphononongo lwe-TX Doc, ukuba lukhona i-$ 150;

4) Ingxelo yeBhanki Ingeniso LTV Max 65%;

5) Ingxelo yeBhanki – Inzala Kuphela Max LTV 60%;

6) Ubuncinci beMali-mboleko ye-$ 500,000;

7) Ilizwe langaphandle - Ayifanelekanga;

8) Iinyanga ezili-18 iSigwebo seNtlawulo yaPhambili silingana nenzala yeenyanga ezi-6.

Ipotfoliyo DSCR

1) Umrhumo womboleki ngokufanayo nenkqubo yepotfoliyo;

2) Uphononongo lweTrasti/Iqumrhu ukuba likhona i-$300;

3) Uphononongo lwe-TX Doc ukuba lukhona i-$ 150;

4) Ubuncinci beMali-mboleko ye-$ 500,000;

5) Ilizwe langaphandle - Ayifanelekanga;

6) Ubuncinci be-DSCR 1.000;

7) Imali-mboleko Eyenziwe kuMntu weNdalo – Akukho baBoleki baMaqumrhu;

8) 2-4 Iyunithi yePropati efanelekile kunye ne-5% yokuNcitshiswa kwi-Max LTV/CLTVs kwi-Matrix;

9) Iinyanga ezili-18 zeSigwebo seNtlawulo yaPhambili silingana nenzala yeenyanga ezi-6.

Iphothifoliyo ye-FN DSCR

1) Umrhumo womboleki ngokufanayo nenkqubo yepotfoliyo;

2) Uphononongo lweTrasti/Iqumrhu ukuba likhona i-$300;

3) Uphononongo lwe-TX Doc ukuba lukhona i-$ 150;

4) Ukuphononongwa kweSizwe sangaphandle kwe-$ 250;

5) Ubuncinci beMali-mboleko ye-$ 500,000;

6) Ubuncinci be-DSCR 1.000;

7) Inzala Kuphela – Ayivumelekanga;

8) Amandla eGqwetha – Akavumelekanga;

I-9) Isohlwayo seNtlawulo yaPhambili (uMtyali-mali kuphela) ziinyanga ezili-18 kwaye zilingana nenzala yeenyanga ezi-6.

Uyibala njani iPotfoliyo yeDSCR?

I-DSCR iya kubalwa ngolu hlobo lulandelayo: DSCR = *INgeniso yeNgeniso yeRenti ÷ Intlawulo yeNyanga Efanelekileyo (P kunye nam kuphela);

*INgeniso yeNgeniso yeRenti = Irenti ePheleleyo * (1 – Umba weNkcitho);

Imiba yeNkcitho: Ipropati ngaphandle kwe-HOA = 25%, iPropati ene-HOA = 30%;

Irenti iya kuba ngaphantsi koku: Ingeniso yerenti yangoku okanye isixa-mali esikwi-1007 esibonelelwa ngumxabisi obonisa ishedyuli eqikelelweyo yerenti yemarike.