Yandisa uTyalo-mali lwakho lweNdawo ngeNdawo ngeMali mboleko ye-DSCR: Ufaneleke kuMqukuqelo weMali

Kwihlabathi eliguqukayo lotyalo-mali lwezindlu nezindlu, ukufumana inkxaso-mali eyiyo kubalulekile kwimpumelelo. Kubatyali-mali abaninzi, iziqinisekiso zemali-mboleko yemveli ezisekwe kumvuzo womntu kunye nomsebenzi zinokuthintelwa. Nangona kunjalo, kukho enye indlela egxile kwingeniso yepropathi enokwenzeka:I-DSCRmboleko yomlinganiselo. Ezi mboleko zivumela abatyali-mali ukuba bafaneleke ngokusekelwe ekuhambeni kwemali kwipropati ngokwayo. Nantsi indlela imali mboleko ye-DSCR enokukunceda ukuba ukhulise utyalo-mali lwakho lwezindlu nezindlu.

UkuqondaUmlinganiselo we-DSCRImali-mboleko

I-DSCR imele i-Debt Service Coverage Ratio, i-metric engundoqo esetyenziswa ngababolekisi ukuvavanya amandla epropathi yotyalo-mali ukuhlawulela izibophelelo zetyala. Ngokusisiseko, umlinganiselo we-DSCR ulinganisa ukuhamba kwemali yepropati xa kuthelekiswa neentlawulo zamatyala ayo. Umlinganiselo ophezulu we-DSCR ubonisa ukuba ipropati ivelisa ingeniso eyaneleyo yokuhlawula ityala layo, iyenza ibe ngumngcipheko ophantsi kubabolekisi.

Izibonelelo ze-DSCR Ratio Loans

1. Gxininisa kuHambo lweMali yePropati: Ngokungafaniyo neemali-mboleko zemveli ezifuna ukuqinisekiswa komvuzo wakho, iimali-mboleko zomlinganiselo we-DSCR zivumela abatyali-mali ukuba bafaneleke ngokusekwe kukungena kwemali okwenziwa yipropati. Oku kuthetha ukuba nokuba umvuzo wakho wobuqu awukho phezulu, usenako ukukhusela inkxaso-mali ukuba ipropati inenzuzo.

2. Ukuguquguquka kubaTyali-mali: Iimali-mboleko ze-DSCR zibonelela ngokuguquguquka okukhulu kubatyali bezindlu, ngakumbi abo banezakhiwo ezininzi okanye abo baziqeshileyo. Ngokugxila kwingeniso yepropathi, ezi mboleko zenza ukuba abatyali-mali bandise iipotfoliyo zabo ngaphandle kwemiqobo yokuqinisekiswa kwengeniso yemveli.

3. Inkqubo Yemvume Elula: Inkqubo yokuvunywa kwemali mboleko ye-DSCR ingalula kwaye ikhawuleze kunemali mboleko yemveli. Kuba eyona ngqwalasela iphambili ikukungena kwemali kwipropati, akukho kugxininiso oluncinane kumaxwebhu obuqu emali, okwenza kube lula kubatyali-mali ukuba bafumane inkxaso-mali.

Indlela yokufaneleka kwiMqukuqelo yeMali

Ukulungela ukubolekwa kwemali-mboleko ye-DSCR ikakhulu kubandakanya ukubonisa ukuba ipropati yenza ingeniso eyaneleyo yokuhlawula izibophelelo zetyala. Nantsi into ekufuneka uyazi:

1. Bala umlinganiselo weDSCR: Ukubala umlinganiselo we-DSCR, yahlula ingeniso eshiyekileyo yepropati (NOI) ngenkonzo yayo yetyala lilonke (inqununu kunye neentlawulo zenzala). Umzekelo, ukuba ipropathi ine-NOI ye-100,000 yeedola kunye nenkonzo yetyala lonyaka le-80,000 yeedola, umlinganiselo we-DSCR uya kuba yi-1.25. Ababolekisi ngokuqhelekileyo bajonga umlinganiselo we-DSCR we-1.2 okanye ngaphezulu.

2. IiMfuno zoXwebhu: Ngelixa amaxwebhu engeniso yobuqu enokuncitshiswa, kusaza kufuneka unikezele ngolwazi oluneenkcukacha lwemali malunga nepropati. Oku kuquka iingxelo zengeniso yerenti, iindleko zokusebenza, kunye namanye amaxwebhu afanelekileyo emali.

3. Ukusebenza kwePropati: Ababolekisi baya kuvavanya imbali yepropati kunye nokusebenza kwemali eqikelelwayo. Ukuqinisekisa ukuba ipropati inembali eyomeleleyo yokurenta kunye nengeniso enokubakho kwixesha elizayo ngundoqo ekufumaneni imali-mboleko yomlinganiselo we-DSCR.

Ukuqukumbela

Iimali-mboleko ze-DSCR zibonelela ngesisombululo esinamandla senkxaso-mali kubatyali-mali bezindlu, okubavumela ukuba bafaneleke ngokusekwe kukungena kwemali kwiipropati zabo kunomvuzo wobuqu. Ngokusebenzisa umlinganiselo we-DSCR, abatyali-mali banokuvula amathuba amatsha, bandise iipotfoliyo zabo, kwaye bafezekise impumelelo enkulu kwimarike yezindlu. Ukuba ujonge ukwandisa isakhono sakho sotyalo-mali, cinga ngokujonga imali mboleko ye-DSCR njengokhetho olusebenzayo noluguquguqukayo lwenkxaso-mali.

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.