12/04/2023

Molweni, mawethu athanda ishishini!Namhlanje, masingene singene kumxholo ochulumancisayo njengoko ubalulekile kwilizwe lezemali:iTyala-Service Coverage Ratio (DSCR).Qwalasela le tracker yakho yokomelela, kodwa endaweni yokubala amanyathelo okanye ukujonga ukubetha kwentliziyo, silinganisa ukubetha kwentliziyo yemali yeshishini lakho.Ke, bopha izihlangu zakho, kwaye masiqale olu hambo lunika amandla kwihlabathi le-DSCR.

Ukuqalisa kwi-DSCR Adventure

Khawufane ucinge ukuba uqalisa ukuzonwabisa kwilizwe lezemali zoshishino.Apha, iI-DSCRUmlinganiselo umi njengendlu yokukhanyisela, ekhokela iinqanawa (amashishini) ngokukhuselekileyo kwinkungu yokungaqiniseki kwemali.Ayisiyo metric kuphela;sisibane sokucaca kulwandle oluntsonkothileyo lwezemali zeshishini.

Iresiphi ye-DSCR: Udibaniso olulula lwamanani
Kwisiseko sayo, iI-DSCRifomula ilula ngobuhle, kodwa ineempembelelo ezinzulu:

DSCR=NgeNgeniso yeNgeniso yokuSebenza/Inkonzo yeTyala lilonke

Cinga ngeNgeniso yoMvuzo wokuSebenza njengengeniso yeshishini lakho yemihla ngemihla, thabatha iindleko zokusebenza, kodwa ngaphambi kokuba kuqalise ubunzima benzala kunye neerhafu. inqununu kunye nomdla.Konke kumalunga nokujonga ukuba ingeniso yeshishini lakho ibuff ngokwaneleyo ukuphakamisa iintsimbi zamatyala alo.

Ukubaluleka kwe-DSCR: Kutheni iSisongelo esikhulu
Uvavanyo lweLitmus yokuBoleka: Kubabolekisi, into eqinileyoI-DSCRamanqaku afana nokufumana igolide.Ibaqinisekisa ukuba ishishini lakho alinako ukudibanisa amatyala kuphela kodwa likwenza oko ngokulula nangobubele.
IRada yabatyali-mali: Kubatyali-mali, umlinganiselo owomeleleyo we-DSCR ubonisa ishishini elingasindi nje kuphela, kodwa eliphumelelayo.Kufana nemagnethi etsala utyalo-mali olunokubakho.
ICompass yoBuchule kuShishino: Kumqhubi weshishini onobuqili, i-DSCR isebenza njengekhampasi yobuchule.Ikhokela izigqibo malunga nokwandisa, isivumelwano, okanye ukugcina ikhondo.YiNkwenkwezi yaseMantla yezemali inceda amashishini ahlale endleleni eya empumelelweni.

I-DSCR kwihlabathi lokwenyani: uMzobo osebenzayo
Masipeyinte umfanekiso: Yiba nomfanekiso-ngqondweni wokuqaliswa kwetekhnoloji ngengeniso eshiyekileyo ye-500,000 yeedola kunye nenkonzo yetyala le- $250,000.Qhuba loo manani, kwaye ufumana i-DSCR ye-2.0.Ngokwemiqathango ye-layman, oku kuqaliswa kurhola ngokuphindwe kabini njengoko kufuneka kuhlawule amatyala alo.Leyo yimeko yemali ephezulu!

Ubuso obubini be-DSCR: IiPros and Cons

• IiPros:

1. Umatshini wexesha lempilo yezemali: I-DSCR ikunceda ukuba ulandelele ukusebenza kwezemali ngamaxesha.
2. Umyinge wendalo yonke: Ilungile xa ithelekiswa noontanga boshishino.
3. Umfanekiso opheleleyo wezezimali: I-DSCR ibandakanya yonke imiba yetyala, inika uhlolo olubanzi lwempilo.

• Ububi:

1. Iindawo ezinokuthi zingaboni: Isenokungahoyi imiba ethile efana neendleko zerhafu.
2. Ukuntsonkotha kancinci: Ayingowona mlinganiselo ulula kwibhloko.
3. Akukho bungakanani bulingana-bonke: Ababolekisi abahlukeneyo banokuba nebenchmarks ezahlukeneyo zeDSCR.

Ukuphembelela uMphembeleli: Izinto ezichaphazela i-DSCR
EyakhoI-DSCRinokuphenjelelwa zizinto ezahlukeneyo, ukusuka kwindlela elisebenza ngayo ishishini lakho ukuya kwiinguqu kwinzala yemalike.Kufana nenkqubo yezemali apho izinto ezahlukeneyo zinxibelelana ukumisela amandla enkampani yakho ukujongana namatyala ayo.

Ukusonga: Ukuhamba ngeeLwandle zezeMali nge-DSCR
Ukuqonda kunye nokuxhamla kwiI-DSCRUmlinganiselo ufana nokuba nomqeqeshi wakho weshishini lakho kwimali efanelekileyo.Sisixhobo esingancedisi nje ukukhawulelana nezaqhwithi zemali kodwa nasekuhambeni ngesikhephe esisingise kwikamva lokukhula kunye nempumelelo.Nokuba ukwi-helm ye-giant corporation okanye uqhuba isiqalo esincinci, ukubeka iliso elibukhali kwi-DSCR yakho kunokukhokelela kuzinzo lwezemali kunye nempumelelo.

Ke, unayo - ukuphononongwa okuvuyisayo kweI-DSCRumlinganiselo.Ingaphezulu komlinganiselo nje wemali;yingxelo yobuchule bemali yeshishini lakho, ibali onokuthi uliqhubele kwimpumelelo.Gcina esi sixhobo kwi-arsenal yakho, kwaye ujonge ishishini lakho lihamba ngokuzithemba ukuya kwikamva eliqaqambileyo.Nantsi ukuhamba kakuhle kuhambo lwakho lweshishini!

Ividiyo:Ukucacisa umlinganiselo we-DSCR: Umkhondo wakho wokuQothulwa kweMali

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS;enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume.Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke.Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye.Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile.Tyala imali ngokufanelekileyo kumngcipheko wakho.