Iimali-mboleko ze-CES ziyisebenzisa njani i-DSCR kwiMali yeePropati zoTyalo-mali

Kubatyali-mali bezindlu nezindlu, imali-mboleko yesiBini esivaliweyo (CES) ibonelela ngendlela eyodwa yokuxhasa ngezimali iipropati ezihlala abantu ngaphandle kokuxhomekeka kwingeniso yomntu. Ngokusebenzisa iNkonzo yeTyala lokuBonelela iRhafu (I-DSCR) ukuze bafaneleke, ezi mboleko-mali zisekelwe kwingeniso yepropathi zijolise ekuqukunjelweni kwekheshi yerenti, nto leyo ezenza zibe zilungele ukulinganisa iipotfoliyo. Makhe siphonononge indlela iimali-mboleko zeCES ezisebenza ngayo ekubolekeni kwemali esekwe ngokuqukuqela kwemali kwaye kutheni zitshintsha umdlalo.

Imali-mboleko ye-CES yimali-mboleko yexesha elimiselweyo lesibini elingavumeli imizobo eyongezelelweyo, edla ngokusetyenziswa ecaleni kwemboleko-mali esisiseko yemali-mboleko engahlali nabani. Ngokungafaniyo nokubambisa okwesibini kwesiqhelo, okunokufuna ubungqina bomvuzo womntu, i-Closed-End-End Second Loan yeepropati zotyalo-mali ikhuthaza i-DSCR ukuvavanya ukufaneleka. I-Debt Service Coverage Ratio ilinganisa ingeniso yerenti yonyaka ngokuchasene nezibophelelo zetyala layo, kuqukwa nentlawulo yokuqala neyesibini yokubambisa (inqununu, inzala, iirhafu, i-inshurensi, kunye neentlawulo ze-HOA). I-DSCR ye-1.0 okanye ngaphezulu ibonisa ingeniso yepropathi igubungela amatyala ayo, nababolekisi badla ngokukhetha i-1.25 yokubolekisa ngemali esekelwe kwimali ekhoyo.

Oku akukho ndlela yokuqinisekisa ingeniso yomntu ngumtsalane omkhulu. Abatyali-mali abafuni ii-W-2 okanye iimbuyekezo zerhafu; endaweni yoko, ababolekisi bavavanya amandla okurenta kwepropati, ukwenza iimali-mboleko zeCES zifikeleleke kwabo banemali enzima. Bakwamanye amazwe akhoyo, avumela abatyali-zimali bamanye amazwe ukuba bangene kwi-US real estate ngaphandle kweerekhodi zengeniso yasekhaya. Umzekelo, umntu wangaphandle angafumana imali-mboleko ye-CES kwipropati erentwayo eyenza i-$4,000 ngenyanga nge-DSCR ye-1.3, edlula imiqobo yengeniso yomntu.

I-Piggyback ok izakhiwo zongeza ukuguquguquka. Imali-mboleko yesiBini evaliweyo inokuhlawula iintlawulo okanye uhlaziyo, idityaniswe nemali-mboleko yokuqala ukunciphisa iindleko zangaphambili. Khawube nomfanekiso-ngqondweni womtyali-mali ejolise kwipropathi erentisayo eyi-$500,000: i-mortgage yokuqala igubungela i-75% (i-$375,000), kwaye i-CES mboleko ixhasa i-20% eseleyo ($ 100,000), ishiya nje i-5% yemali ephantsi. Le pGcinas imali yotyalo-mali olongezelelweyo.

Nangona kunjalo, imali mboleko ye-CES esekwe kwi-DSCR iza nemiqolomba. Inzala kwimali-mboleko yesibini idla ngokuba phezulu, kwaye umlinganiselo odityanisiweyo wemali-mboleko ukuya kwixabiso (CLTV) unokufika kuma-75-85%. Izithuba okanye iishifti zemarike nazo zinokuchaphazela iimali-mboleko ezisekelwe kwingeniso yepropathi, ngoko ke abatyali-mali kufuneka baqinisekise imfuno emandla yerenti. Ngaphandle kwezi zinto, iimali-mboleko ezingengomnini-mnini njengemali-mboleko ye-CES zibonelela ngamathuba angenakuthelekiswa nanto okukhula kwepotfoliyo, ngakumbi ngaphandle kokuqinisekiswa kwengeniso yomntu kunye neendlela ezikhoyo zokuqhuba zelizwe langaphandle.