Indlela iiMali-mboleko eziSekwe kwi-DSCR eziSekwe kwiMali mboleko eziBaxhobisa ngayo abaTyali bezindlu

Utyalo-mali lwezindlu nezindlu lunokuba lishishini elinengeniso emangalisayo, kodwa ukufumana inkxaso-mali kwiipropati zotyalo-mali kudla ngokuba nemingeni ebalulekileyo. Iimali-mboleko zezindlu zemveli zifuna ukuqinisekiswa okungqongqo kwengeniso yomntu, imbali yetyala, kunye nembuyekezo yerhafu-imiqobo abajongene nayo abatyali-mali abaninzi. Ngena iI-DSCR(Umlinganiselo weNkonzo yeTyala) Imali-mboleko eSekwe kuMqukuqelo weMali. Olu khetho lolutsha lwenkxaso-mali lujolise kwingeniso eveliswa yipropati ngokwayo kunemali yobuqu yomboleki, iyenza ibe sisisombululo esifanelekileyo kubatyali-mali abafuna ukwandisa ukuhamba kwemali yabo kunye nokwenza lula inkqubo yokuvunywa.

Yintoni iMali-mboleko eSekwe kuMqukuqelo weMali we-DSCR?

IMali-mboleko eSekwe kuMqukuqelo weMali we-DSCR yimveliso yemali-mboleko evavanya impilo yezemali yepropathi yotyalo-mali ngokusekelwe ekuhambeni kwayo kwemali kunomvuzo womboleki okanye amanqaku etyala. I-metric engundoqo esetyenziswe kolu hlobo lwemali-mboleko yi-Debt Service Coverage Ratio (DSCR), engumlinganiselo wengeniso yokusebenza yepropathi (NOI) kwizibophelelo zetyala, ezifana neentlawulo zenyanga zokubambisa.

Ngokomzekelo, ukuba ipropati ivelisa i-$ 4,000 kwingeniso yerenti ngenyanga kwaye intlawulo ye-mortgage yi-$ 3,000, i-DSCR iya kuba yi-1.33 ($4,000 ÷ $3,000). I-DSCR ye-1.0 ibonisa ukuba ipropati yenza ingeniso eyaneleyo yokuhlawula ityala layo, ngelixa nantoni na engaphezulu kwe-1.0 ithetha ukuba ipropati ivelisa ingeniso engaphezulu kunokufuneka kwiintlawulo zemboleko.

I-DSCR Cash Flow-Based Loan isebenzisa lo mlinganiselo ukumisela ukuba ipropati iyasebenza na kwaye inako na ukuxhasa imali-mboleko, ivumela abatyali-mali ukuba bafaneleke ngokusekelwe kwingeniso yepropati kuneziqinisekiso zezimali zomntu.

Kutheni ukhetha i-DSCR Imali-mboleko eSekwe ngokuHamba kweMali?

1. Inkqubo Yokufaneleka Elula: Imali-mboleko yemveli isoloko ifuna amaxwebhu amaninzi afana neembuyekezo zerhafu, ukuqinisekiswa kwengeniso, kunye neengxelo zetyala. Imali-mboleko ye-DSCR iphelisa ezi mfuno, ikwenza kube lula kwaye kukhawuleze kubatyali-mali bezindlu nezindlu ukuba bafumane inkxaso-mali.

2. Igqibelele kubatyali-mali bezindlu ezithengiswayo: Imali-mboleko yeDSCR yenzelwe ngokukodwa iipropati zotyalo-mali, iyenza ilungele abantu abathengayo, abaxhasa ngemali, okanye abandisa iipotfoliyo zabo zezindlu. Abatyali-mali banokunyusa ukuhamba kwemali kwiipropati zabo ukuze bafanelekele ukufumana inkxaso-mali, nokuba abanayo imithombo yengeniso yemveli.

3. Akukho uQinisekiso lweNgeniso yoMntu: Kuba ingqwalasela ikumvuzo wepropathi, iimali-mboleko zeDSCR azifuni zimbuyekezo zerhafu zomntu okanye amaxwebhu engeniso. Oku kuluncedo kakhulu kwisiqu sakhoqeshwaabantu okanye abatyali-mali abanengeniso engaqhelekanga.

4. UkuJonga ukuhamba kwemali: Kwimali-mboleko ye-DSCR, ukukwazi kwepropathi ukwenza imali ephumayo encumisayo kungundoqo. Oku kuthetha ukuba abatyali-mali banokujolisa kwiipropathi ezikwaziyo ukuzixhasa ngokwasezimalini kunye nokuphuma kwemali, ngaphandle koxinzelelo olongezelelweyo lokuhlangabezana neemfuno ezingqongqo zemali zobuqu.

5. Ukuvunywa okuKhawuleza kunye neNkqubo eLungileyo: Ngenxa yokuba iimali-mboleko ze-DSCR zisekelwe kwintsebenzo yemali yepropathi, inkqubo yokuvunywa ikhawuleza kwaye ayinzima kakhulu. Abatyali-mali banokufikelela kwiimali ngokukhawuleza, okubenza bakwazi ukusebenzisa amathuba otyalo-mali athatha ixesha.

Ingaba iDSCR iNceda njani abaThengi bePropati yoTyalo-mali ngeMali-mboleko?

Imali-mboleko eSekwe kwiMali-mboleko ye-DSCR ibonelela ngezibonelelo ezininzi eziphambili eziyenza ibe lukhetho olunomtsalane kwabo bafuna ukutyala imali kwizindlu nezindlu:

- Ukunciphisa iNgeniso yePropati yoNcedo lweMali: Ngeemali-mboleko ze-DSCR, abatyali-mali banokusebenzisa ingeniso yerenti okanye ingeniso eyenziwe yipropati ukukhusela imali, evumela ukuba batyale kwiipropati esele zivelisa ukuhamba kwemali.
  
- Yandisa iPotfoliyo yeReal Estate yakho: Ukukwazi ukufaneleka ngokusekelwe kwingeniso yepropati kuthetha ukuba abatyali-zimali banokufumana iipropati ezininzi ngaphandle kokunyanzelwa ziimfuno zomntu zemali. Oku kuvula ithuba lokukhulisa ipotifoliyo ngokukhawuleza.

-Inomtsalane kubaTyali-mali abaneePropati ezininzi: Abatyali-mali bezindlu ezithengiswayo abasele beneepropati ezininzi banokusebenzisa ingeniso efunyenwe kwiipropati zabo esele zikho ukuze bafanelekele inkxaso-mali eyongezelelweyo, bephucula ngakumbi ipotfoliyo yabo.

- Ilungele abatyali-mali abaziqeshileyo: Imali-mboleko ye-DSCR iluncedo kakhulu kubantu abazisebenzelayo okanye abanini bamashishini abanokuba nengeniso engaqhelekanga okanye abangenawo amaxwebhu aqhelekileyo afunekayo kwimali-mboleko yemveli.

Ngubani onoKuxhamla kwiMali-mboleko eSekwe kuMqukuqelo weMali we-DSCR?

Imali-mboleko eSekwe kwi-DSCR yeMali-mboleko inokuxhamla kwiintlobo ngeentlobo zabatyali-mali bezindlu, kuquka:

- Abatyali-mali bexesha Lokuqala: Ukuba usaqala utyalo-mali lwezindlu, olu khetho lwemali-mboleko lubonelela ngendlela elula yokungena kwimarike, kugxilwe kubuchule bepropathi bokwenza ingeniso kunembali yakho yezemali.

- Abatyali-mali abaSetyenzwayo abaneeMpahla ezininzi: Abatyali-mali abanamava abaneepropati ezininzi banokusebenzisa ingeniso kwipotifoliyo yabo esele ikho ukuze bafanelekele iimali-mboleko ezongezelelweyo, okubavumela ukuba baqhubeke nokwandisa imali yabo yotyalo-mali.

- Abatyali-mali abangengabo base-US: Abatyali-mali abavela ngaphandle kwe-US banokuzuza kwimali-mboleko ye-DSCR, njengoko bengafuni ukubuyisela irhafu yase-US okanye ukuqinisekiswa kwengeniso yomntu. Oku kwenza kube lula kubantu bangaphandle ukuba batyale imali kwi-US real estate.

- IiFlippers zeReal Estate kunye nabaPhuhlisi: Abo babandakanyekayo ekuguquleni iipropati okanye ekuphuhliseni izindlu ezithengiswayo banokusebenzisa imali mboleko ye-DSCR ukuxhasa ngemali ukufunyanwa kwezakhiwo ezitsha ngokusekelwe kumandla abo okungena kwemali.

Ukuqukumbela

Imali-mboleko eSekwe kwiMali-mboleko ye-DSCR ibonelela ngesisombululo senkxaso-mali esenziwe lula, esibhetyebhetye kubatyali-zimali bezindlu. Ngokugxila ekungeneni kwemali kwipropati endaweni yemali yobuqu, le nkqubo yemali-mboleko isusa imiqobo emininzi eyayanyaniswa nenkxaso-mali yemveli, ivumela abatyali-mali ukuba bafumane, baxhase ngemali, okanye bandise iipropati zabo zotyalo-mali ngokulula ngakumbi.

Nokuba usaqala okanye ungumtyali-mali onamava, imali-mboleko ye-DSCR yindlela entle yokwandisa iipropathi zakho zotyalo-mali kwaye uqhubeke nokwakha ipotfoliyo yakho yezindlu nomhlaba ngaphandle kokuntsonkotha kweenkqubo zemali mboleko yemveli.

Ukuze ufunde ngakumbi malunga nokuba i-DSCR Imali-mboleko eSekwe kwiMali eNgenelweyo ingakunceda njani ekuxhaseni ngemali ipropathi yakho elandelayo yotyalo-mali, qhagamshelana ne-AAA eBolekayo namhlanje.

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