12/04/2023

Wamkelekile kwilizwe lezemali apho amanani athetha ngaphezulu kunamagama, kwaye apho i-metric enye, iiTyala-Service Coverage Ratio (DSCR), ime njengesibane sokuqonda kwintlalo-ntle yemali yenkampani.Masiqalise uhambo olunika umdla lokutyhila iimfihlakalo ze-DSCR, isalathisi ekufuneka usomashishini ngamnye onolwazi, umtyali-zimali kunye nosomashishini abenaso kwirada yabo.

Intshayelelo kwi-DSCR: Ikhampasi yakho yezeMali

Khawufane ucinge ukuba ungukapteni oqhuba inqanawa ebizwa 'Enterprise.'Kulwandlekazi olukhulu lweshishini,I-DSCRUhamba njengekhampasi yakho, ekwalathisela emanzini anobuqhophololo, amatyala nongeniselo.Sisixhobo esilula kodwa esinamandla esilinganisa ukukwazi kwenkampani yakho ukuhlawula amatyala ayo isebenzisa ingeniso yokusebenza kwayo.Ayilonani nje;yimbonakaliso yomphefumlo wemali yeshishini lakho.

Ifomula yomlingo: Ukutyhilwa kwe-DSCR
Dive kwingundoqo yeI-DSCR, kwaye uya kufumana ifomula ethe tye njengoko inzulu:

DSCR=NgeNgeniso yeNgeniso yokuSebenza/Inkonzo yeTyala lilonke

Apha, uMvuzo wokuSebenza ngokuNinzi (i-NOI) yingeniso yeshishini lakho thabatha iindleko zokusebenza (kodwa phambi kwenzala kunye neerhafu).Inkonzo yeTyala iyonke yimali iyonke efunekayo ukuhlawula amatyala akho (zombini iinqununu kunye nenzala).Kufana nokujonga ukuba ishishini lakho lifumana imali eyaneleyo ukuba lingaphili nje kodwa liphumelele phakathi kwezibophelelo zalo zemali.

Kutheni i-DSCR ibalulekile: Ngaphezu kwamanani nje

• UVavanyo lwetyala: CingaI-DSCRnjengekhadi lakho lengxelo yezemali eliphonononga ababolekisi.I-DSCR ngaphezulu koku-1 ifana nokufumana i-A+, ebonisa ukuba ishishini lakho lingawahlawula kakuhle amatyala alo.Kukukhanya okuluhlaza kubabolekisi kunye nophawu lwempilo yezemali eyomeleleyo.
• Umtsalane kubatyali mali: Abatyali-mali bathanda inkampani ene-DSCR ephezulu.Kufana nebhakana ebonisa ukuba inqanawe yakho ihamba kakuhle, iyenza ingabibikho mngcipheko kwaye ibe nomtsalane ngakumbi kutyalo-mali.
• Ulawulo lweQhinga: Kubaphathi beshishini (nguwe lowo, zinkokheli zoshishino!), I-DSCR sisixhobo sobuchule.Ikunceda ukuba ujonge kwizigqibo malunga nokuchitha, ukutyala imali, okanye ukuthatha amatyala amatsha.Kufana nokuba ne-GPS yezemali ekhokela izicwangciso zeshishini lakho.

Imeko yeHlabathi yokwenyani: I-DSCR iyasebenza
Khawube nomfanekiso woku: Umakhi wezindlu nezindlu one-NOI yonyaka yee-$2,150,000 kunye nenkonzo yetyala lonyaka le-$350,000.YaboI-DSCR?Amandla amakhulu 6.14.Oku kuthetha ukuba kwidola nganye yetyala, bafumana ngaphezulu kweedola ezintandathu.Yimali eqhutywa yimali, ebonisa ukuba banokuhlangabezana ngokulula nezibophelelo zabo zetyala kwaye emva koko abanye.

Icala Eliqaqambileyo kunye neNdawo eziMfama ze-DSCR

• Icala Eliqaqambileyo:

1. Lixesha lomhambi: I-DSCR ikuvumela ukuba ujonge iintsingiselo zezemali ngokuhamba kwexesha.
2. Isixhobo sokulinganisa: Thelekisa ukusebenza kakuhle kuwo wonke amashishini.
3. Ngaphezu kwengeniso nelahleko: Kubandakanya iintlawulo eziziintloko, ukupeyinta umfanekiso ogcweleyo wemali.

• Iindawo ezingaboniyo:

1. Ungaphoswa ziingxaki zemali: Izinto ezifana neendleko zerhafu zinokuba ngaphandle kwemida yazo.
2. Uthembele kwimigaqo yobalo-mali: Kunokubakho umsantsa phakathi kwethiyori kunye nokuhamba kwemali yokwenyani.
3. Ukuntsonkotha: Ayingomlinganiselo wakho wemali osisiseko.
4. Akukho mgangatho wendalo yonke: Ababolekisi abahlukeneyo, ulindelo olwahlukileyo lwe-DSCR.

Iimpembelelo: Izinto ezichaphazela i-DSCR
Zininzi izinto ezinokukuchaphazelaI-DSCR, njengotshintsho kumvuzo wakho wokusebenza okanye ukuhla kumlinganiselo wenzala.Kufana nenkqubo yezemali apho izinto ezahlukeneyo zinxibelelana ukuphembelela isakhono senkampani yakho sokuhlawula amatyala.

Ukuthatha indawo: UkuTshatisa ikhosi yakho nge-DSCR
Ukuqonda kunye nokusetyenziswa kweI-DSCRUmlinganiselo ufana nokuba nekhampasi yezemali yeshishini lakho.Ayikokusinda nje kulwandle olunesiphithiphithi lweshishini lehlabathi kodwa ukuphumelela nokucwangcisa ikhosi ekhokelela kuhlumo oluzinzileyo kunye nenzuzo.Nokuba ungukapteni onamava okanye umtsha kwindawo yorhwebo, ukubeka iliso elibukhali kwi-DSCR yakho kunokukhokelela ishishini lakho kwimpumelelo kunye nozinzo.

Ngoko ke unayo, uhambo kwihlabathi leI-DSCR.Ngumlinganiselo ongaphezulu nje kwenani—libali elimalunga nempilo yezemali yeshishini lakho, ingxelo onokuyibumba kwaye uyiphucule.Hlala uphaphile, sebenzisa esi sixhobo ngobulumko, kwaye ujonge njengoko ishishini lakho lisiya kwindawo enempumelelo.Ukonwaba ngesikhephe!

Ividiyo:Umlinganiselo we-DSCR: IBarometer yezeMpilo yezeziMali kuShishino

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.