Ukuphonononga iiYunithi ze-DSCR 5-9 kunye neeMali-mboleko ezingezizo ze-QM kubatyali bezindlu

Ukuzulazula kwihlabathi le-real estateutyalo-malikunokuba nzima, ngakumbi xa kuziwa ekufumaneni inkxaso-mali. Amagama amabini abalulekileyo ekufuneka abatyali-mali baqhelane nawo ziiyunithi ze-DSCR 5-9 kunye neemali-mboleko ezingezizo ze-QM. Ukuqonda ezi ngqikelelo kunokukunceda wenze izigqibo ezinolwazi ngakumbi kwaye unokwandisa imbuyekezo yotyalo-mali lwakho.

Yintoni i-DSCR?

I-Debt Service Coverage Ratio (DSCR) yimetric engundoqo esetyenziswa ngababolekisi ukuvavanya amandla epropathi evelisa ingeniso ukuhlawulela izibophelelo zetyala. Kwiipropati ezineeyunithi ezi-5-9, i-DSCR ibalwa ngokwahlula ingeniso yokusebenza yepropati (NOI) ngenkonzo yayo yonke yetyala. I-DSCR ephezulu ibonisa ukukwazi okunamandla ukuhlangabezana neentlawulo zamatyala, okwenza ipropati ibe nomtsalane ngakumbi kubabolekisi.

Iinzuzo zeI-DSCR 5-9 Iiyunithi

1. Amathuba oVumezo lweMali-mboleko: Iipropathi ezine-DSCR eyomeleleyo, ngakumbi ezo zineeyunithi ezi-5-9, kunokwenzeka ukuba zikhusele imiqathango evumayo yemali-mboleko. Ababolekisi bazijonga ezi propati njengomngcipheko ophantsi, onokukhokelela kukhuphiswano lwenzala kunye neemeko ezingcono zemboleko.

2. Ukonyuka kokuHamba kweMali: I-DSCR ephezulu ithetha ukuba ipropati yenza ingeniso engaphezu kwemfuneko yokuhlawula amatyala, inika abatyali-mali umqamelo kwiindleko ezingalindelekanga kunye nengeniso enokwenzeka.

Ukuqonda iiMali-mboleko ezingezizo ezeQM

Iimali-mboleko ze-Non-QM (i-Mortgage eNgafanelekiyo) ziyilelwe ababoleki abangazifezekisiyo iimfuno ezingqongqo ze-Qualified Mortgage (QM) mboleko yemveli. Ezi mboleko ziluncedo kakhulu kubatyali-mali bezindlu, abantu abaziqeshileyo, kunye nabo banengeniso engaqhelekanga.

Izinto eziluncedo kwiiMali-mboleko ezingezizo eze-QM

1. I-Flexible Underwriting: Iimali-mboleko ezingezizo ze-QM zibonelela ngeendlela zokubhala phantsi ezibhetyebhetye, ezivumela abatyali-mali ukuba bafaneleke ngokusekwe kwamanye amaxwebhu, afana neziteyitimenti zebhanki okanye ukuqinisekiswa kwe-asethi, kunokuqinisekiswa kwengeniso eqhelekileyo.

2. Imida yeMali-mboleko ePhakamileyo: Iimali-mboleko ezingezizo ze-QM zihlala ziza nemida ephezulu yemali-mboleko, izenza zilungele ukuthenga okanye ukubuyisela iipropathi ezineeyunithi ezi-5-9. Oku bhetyebhetye kunokubaluleka kubatyali-mali abafuna ukwandisa iipotfoliyo zabo.

Ukudibanisa i-DSCR 5-9 Units kunye ne-Non-QM Loans

Kubatyalo-mali bezindlu, ukudibanisa izibonelelo ze-DSCR 5-9 iiyunithi kunye nokuguquguquka kweemali-mboleko ze-Non-QM kunokuba sisicwangciso esinamandla. Ngokujolisa kwiipropathi ezine-DSCRs ezomeleleyo, abatyali-zimali banokuwongeza amathuba abo okuvuma imali-mboleko kwaye bakhusele imiqathango engcono. Ngeli xesha, ukubhalwa phantsi okuguquguqukayo kweemali-mboleko ezingezizo ze-QM ziqinisekisa ukuba nabo banemithombo yengeniso engeyiyo eyemveli banokufikelela kwinkxaso-mali abayidingayo.

Ukuqukumbela

Ukuqonda ukuntsonkotha kweeyunithi ze-DSCR 5-9 kunye neemali-mboleko ezingezizo ze-QM ziyimfuneko kubatyali-mali bezindlu ezithengiswayo abafuna ukwandisa izicwangciso zabo zokuxhasa ngemali. Ngokusebenzisa ezi zixhobo, abatyali-zimali banokukhusela izivumelwano ezifanelekileyo zemboleko, baphucule ukuhamba kwemali, kwaye ekugqibeleni bazuze impumelelo enkulu kumashishini abo okuthengisa izindlu. Nokuba ungumtyali-mali onamava okanye usaqalayo, ukuqwalasela ezi zinto kungenza umahluko omkhulu kwiziphumo zotyalo-mali lwakho.

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.