Amagqabantshintshi eNkqubo yeDSCR
1) Ubukhulu.I-LTV: 80%;
2) Ubukhulu.Imali-mboleko ye-$2,000,000;
3) Umz.I-FICO: 680;
4) Ilizwe langaphandle livunyelwe.
Nceda ufowunele ixabiso malunga:
• FICO 620-659
• Ukubambisa emva kwentlawulo
• IKhaya elenziweyo
• 5-10 Iiyunithi
• Imali-mboleko amt > $2.0 yezigidi
• I-LTV yeSizwe yaNgaphandle>70
Yintoni i-DSCR?
Ngaba uyayazi indlela yokufumana imali mboleko yendlu ngaphandle kolwazi lomsebenzi kunye nengeniso?
Ngaba awufanelekanga kwiimali mboleko zesiqhelo?
Ngaba uyazi ukuba yeyiphi inkqubo yemali-mboleko eyona mveliso ilula?
Ngaba uyafuna ukwazi ukuba ungawasebenzisa njani amaxwebhu ancitshisiweyo ukuze ufaneleke ukubolekwa imali?
Ngaba kunzima kakhulu kuwe ukuba ufumane imali mboleko yendlu kwishishini lakho?
Sinikezela ngenkqubo yemali-mboleko egqibeleleyo ukwanelisa ezi zinto ziphambili zingentla-inkqubo yeDSCR.Yeyona mveliso idumileyo engeyo-QM kwimali mboleko yendlu.
I-DSCR (i-Debt Service Coverage Ratio) yenzelwe abatyali-mali abanamava kwaye ifanele ababoleki ngokusekelwe kwi-cash-flows kuphela kwipropati yomxholo ukuhlalutya iqondo lomngcipheko wotyalo-mali.Namhlanje, sigxininise ekuqondeni inkcazo ye-DSCR kunye nokutyhila imfihlelo yenkqubo ye-DSCR ukusuka kumbono wotyalo-mali lwe-mortgage yezindlu.
Iflaya yeDSCR
Iindaba kunye neeVideos
Umlinganiselo we-DSCR: IBarometer yezeMpilo yezeziMali kuShishino➡Ividiyo
Ukucacisa umlinganiselo we-DSCR: Umkhondo wakho wokuQothulwa kweMali➡Ividiyo
Ukwandisa uTyalo-mali lwe-Realfat ngeMveliso ye-DSCR ye-Innovative ye-DSCR➡Ividiyo
Ukuvula okuNgakho kwi-Real Estate ngeMali-mboleko ye-DSCR: Isikhokelo esiBanzi sabemi bamazwe angaphandle➡Ividiyo
Ibalwa njani iDSCR?
Kwimali mboleko yezindlu, iDSCR ibhekisa kumlinganiselo wengeniso yenyanga yerenti yepropathi yotyalo-mali kwiindleko zizonke zezindlu.Ezi ndleko zinokubandakanya inqununu, inzala, irhafu yepropathi, i-inshurensi, kunye neefizi ze-HOA.Naziphi na iindleko ezingenziwanga ziya kubhalwa njenge-0. Xa usezantsi umlinganiselo, kokukhona umngcipheko omkhulu wemali-mboleko.Inokubonakaliswa koku kulandelayo:
Sinikeza "Akukho mlinganiso we-DSCR" kubathengi bethu, okuthetha ukuba umlinganiselo unokuba phantsi "ku-0".Kwiimveliso zethu zesiqhelo zemboleko, kufuneka sithelekise umvuzo wababoleki kunye ne-PITI yenyanga (iNqununu, iNzala, iiRhafu, i-Inshurensi) kunye nayo nayiphi na imirhumo ye-HOA kunye namanye amatyala epropathi ebanjiswe ngayo ukwenza isigqibo sokuba imali-mboleko iyafaneleka na.
Izibonelelo ze-DSCR
Akukho mlinganiso we-DSCR yimveliso yemali-mboleko engangqinisisi okanye ayifuni ingeniso yomboleki kuba ayibandakanyi ukubalwa kwe-DTI (i-Debt-To-Income Ratio).Okubalulekileyo, ubuncinci be-DSCR (I-Debt Service Coverage Ratio) ingaba ngaphantsi njenge-0. Nokuba umvuzo wokurenta uphantsi, sisenokwenza!Olu lukhetho olulungileyo kubaboleki abanomvuzo ophantsi okanye amatyala amaninzi.Oku kwenza ukuba kube yinto enokwenzeka nakwabo banomvuzo ophantsi werenti, oko kuyenza ibe lukhetho oluhle kubaboleki abanomvuzo ophantsi okanye amatyala aphezulu.
Ukongeza, le nkqubo ikwavulelekile kubemi bamazwe angaphandle, ngakumbi abo banee-visa ze-F1.Ukuba ungummi wangaphandle kwaye awukwazi ukufumana imali mboleko yesiqhelo, nceda uqhagamshelane nathi ukuze sixoxe ngemeko yemali-mboleko yakho.
