12/04/2023

Kwimarike yanamhlanje yezindlu nezindlu, ukufumana isisombululo esifanelekileyo sezemali kunokutshintsha umdlalo, ngakumbi kubatyali-mali. YethuI-DSCR (Umlinganiselo wokuBonelelwa kweNkonzo yeTyala)imveliso yemali-mboleko yenzelwe ukwenza utyalo-mali lwezindlu nomhlaba lufikeleleke ngakumbi kwaye lusebenze. Esi sixhobo sikhethekileyo sezemali sivumela ababoleki ukuba basebenzise ingeniso yerenti kwisiqinisekiso semali-mboleko, begqitha imfuno yamaxwebhu engeniso yemveli. Eli nqaku liza kuphonononga iinkalo ezahlukeneyo zemveliso yethu ye-DSCR kunye nendlela ephuma ngayo kwintengiso.

Yintoni i-DSCR?

Umlinganiselo weNkonzo yeTyala (DSCR)sisilinganiselo sezemali esisetyenziselwa ukumisela ukuhamba kwemali kwipropati. Ilinganisa iNgeniso yoNyaka yokuSebenza kweNdawo (NOI) ngokuchasene nezibophelelo zetyala lonyaka. Ababolekisi ngokuqhelekileyo basebenzisa i-DSCR ukuqinisekisa ukuba umboleki ukulungele na ukufumana imali mboleko yotyalo-mali. Luphawu olubalulekileyo lokukwazi komboleki ukuhlawula imali-mboleko. Ngokuqhelekileyo, ukuba i-DSCR yepropati ayihlangabezani neyona mfuno isezantsi yombolekisi, isicelo semali-mboleko sinokukhatywa. Nangona kunjalo, indlela yethu yahlukile. Sinikezela ngobubhetyebhetye, nakwizakhiwo ezingahambelaniyo neemfuno zokuqukuqela kwemali eqhelekileyo.

Iimfuno zokuFaka isicelo kwiMveliso yethu yeDSCR
YethuI-DSCRimveliso iyafikeleleka kuluhlu olubanzi lwabafaki-zicelo. Ukuba amanqaku akho eFICO angama-660 okanye ngaphezulu, ufanelekile ukuba ufake isicelo. Siyabamkela nabemi bamazwe angaphandle ukuba bafake isicelo semali-mboleko yeDSCR. Ngaphezu koko, sinikezela ngemiqathango yokhuphiswano, kuquka intlawulo ephantsi ye-20% kunye nomlinganiselo wemali-mboleko ukuya kwi-80%.

Abemi bamazwe angaphandle kunye neePropati zoTyalo-mali
Kwi-AAA Lendings, siyayiqaphela imeko yehlabathi yotyalo-mali lwezindlu nezindlu. Abemi bamazwe angaphandle abafanelekanga kuphela kodwa bamkelekile ukuba bafake izicelo zethuI-DSCRmboleko. Ngentlawulo nje eyi-30% ephantsi, abatyali-zimali bamazwe angaphandle banokukhusela ipropathi yotyalo-mali lwamaphupha abo e-US, benze utyalo-mali lwezindlu nomhlaba lufikeleleke ngakumbi kunangaphambili.

Imali-mboleko yeDSCR yeeRenti zeXesha elifutshane
Ukuguquguquka kwethuI-DSCRimveliso inabela kwiindidi ezahlukeneyo zepropathi, kubandakanywa nezo zisetyenziselwa ukurenta kwexesha elifutshane. Oku kuziqhelanisa kuluncedo kakhulu kwimarike yanamhlanje, apho irenti yexesha elifutshane inokuba lukhetho lotyalo-mali olunengeniso. Qhagamshelana nathi ngeenkcukacha ezithe vetshe malunga nendlela imali-mboleko ye-DSCR yethu ibonelela ngayo kweli candelo.

Ukujongana neeNtlawulo zeMali-mboleko ePhakamileyo kuneMvuzo yeRenti
Inkxalabo eqhelekileyo kubatyali-mali kuxa ingeniso yerenti yepropati isilela ekuhlawuleni intlawulo yokubambisa. YethuI-DSCRimveliso inikeza 'akukho ratio' ukhetho, ukunciphisa le nkxalabo. Eli nqaku livumela abatyali-mali ukuba bakhusele imali ngaphandle koxinzelelo lokuthelekisa okanye ukugqithisela kwintlawulo yemali-mboleko kunye nengeniso yerenti.

UKulula kokufaka isicelo seMali-mboleko yethu ye-DSCR

Ukufaka isicelo se-aI-DSCRmboleko nge-AAA yokuboleka iqondile. Sivumela uluhlu olubanzi lweepropati ukuba zifaneleke ngokusekelwe ekuhambeni kwemali, ukwenza lula inkqubo yokufaneleka. Le ndlela ivula amathuba okuba abatyali-mali abaninzi bangene kwimarike yezindlu nezindlu.

Isebenza Njani Inkqubo yeDSCR?
YethuI-DSCRiimali-mboleko zisebenza phantsi kwenkqubo-sikhokelo ye-Mortgage Engasifanelanga, egxininisa kuqukuqelo lwemali eveliswa kwingeniso yerenti elindelekileyo yepropati kunomvuzo wobuqu womboleki. Le modeli iluncedo kakhulu kubatyali-mali abanokuba nempahla yexabiso eninzi kodwa ingeniso engenamkhethe. Ngokuseka ukufaneleka kwemboleko kwipropathi enokubanakho ukuvelisa ingeniso, sinikezela ngendlela ebhetyebhetye ngakumbi kwaye ilungele abatyali-zimali.

Izinto eziluncedo zokuKhetha iMveliso yethu yeMali-mboleko yeDSCR
Inkqubo Yemfundo Elula: YethuI-DSCRimali-mboleko ayifuni ukuqinisekiswa kwengeniso yemveli, iimbuyekezo zerhafu, okanye imbali yengqesho. Le nkqubo ilungelelanisiweyo yenza imvume yemali-mboleko ikhawuleze kwaye ilungele ngakumbi.

Ukufikeleleka kwabemi bamazwe angaphandle: Siyayivuma indima ebalulekileyo yabatyali-zimali behlabathi kwimarike yezindlu nezindlu. Imveliso yethu ye-DSCR ilungiselelwe ukuhlangabezana neemfuno zabemi bamazwe angaphandle, ibanika ithuba elilinganayo lokutyala imali kwiipropati zase-US.

Ukuba bhetyebhetye kwiNkxaso-mali: Nokuba isicwangciso sakho sotyalo-mali siquka irenti yexesha elide okanye amakhaya eeholide exeshana elifutshane, iimali-mboleko zethu ze-DSCR zilungelelaniswa kwiindidi zepropathi ezahlukeneyo kunye neemodeli zotyalo-mali.

Akukho Lukhetho lweReyishini Lokuguquguquka okuphuculweyo: Inketho ethi 'akukho mlinganiso' phantsi kwemveliso yethu ye-DSCR inika uxolo lwengqondo kubatyali-zimali, iqinisekisa ukuba ingeniso eguquguqukayo yerenti ayithinteli uhambo lwabo lotyalo-mali.

IMigaqo yezeMali yoKhuphiswano: Ngokhetho olufana nentlawulo ephantsi kunye nomlinganiselo oncomekayo wemali-mboleko-kwixabiso, iimali-mboleko zethu ze-DSCR zinomtsalane ngokwasezimalini, zenza utyalo-mali lwezindlu nomhlaba lufikeleleke ngakumbi kubaphulaphuli ababanzi.

Inkxaso yoBuchule boTyalo-mali olwahlukeneyo: Nokuba ungumtyali-mali onamava okanye umtsha kwimarike yezindlu nezindlu, imali-mboleko yethu ye-DSCR ixhasa uluhlu lweendlela zotyalo-mali, ukusuka kumakhaya anosapho olunye ukuya kwiipropati ezineeyunithi ezininzi.

Ukuqukumbela
YethuI-DSCRimveliso yemali-mboleko bubungqina bokuzibophelela kwethu ekuboneleleni ngezisombululo ezintsha nezifikelelekayo zemali kubatyali-zimali bezindlu nezindlu. Ngeefitsha ezifana nokungafumani ngeniso, ukuba bhetyebhetye kubemi bamazwe angaphandle, kunye nokuqhelana neentlobo ezahlukeneyo zeepropathi, sichaza ngokutsha ubume botyalo-mali lwezindlu nemihlaba. Ukuba ujonge ukuqalisa okanye ukwandisa uhambo lwakho lotyalo-mali lwezindlu nezindlu, iimali-mboleko zethu ze-DSCR zibonelela ngomdibaniso ogqibeleleyo wokuba bhetyebhetye, lula, kunye nokutsaleka kwezemali.

Thatha inyathelo elilandelayo

Ukulungele ukuphonononga okunokwenzeka kunye nathiI-DSCRimveliso mboleko? Qhagamshelana ne-AAA Lendings namhlanje kwaye uthathe inyathelo lokuqala ekufezekiseni iminqweno yakho yotyalo-mali lwezindlu nezindlu. Ngobuchule bethu kunye nezisombululo zenkxaso-mali ezintsha, iinjongo zakho zotyalo-mali ziyafikeleleka.

Ividiyo:Ukwandisa uTyalo-mali lwe-Realfat ngeMveliso ye-DSCR ye-Innovative ye-DSCR

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.