Ukuqonda imali-mboleko ye-DSCR: Akukho siqinisekiso soMvuzo kubathengi baseMelika baseMelika

Xa kuziwa ekufumaneni imali mboleko yendlu eUnited States, iindlela zemveli zihlala zifuna ukuqinisekiswa okubanzi kwengeniso. Nangona kunjalo, inani elikhulayo labathengi baseMelika baphendukela kuboDscr Imali-mbolekos, enikezela ngesisombululo esisodwa: akukho siqinisekiso sengeniso. Ukuqonda i-DSCR (i-Debt Service Coverage Ratio) imali mboleko inokuba sisitshixo sokuvula ubunini-zindlu kubantu abaninzi abasenokungafanelanga ukungunda kwemveli komboleki.

Yintoni Imali-mboleko yeDSCR?

Imali-mboleko ye-DSCR, okanye i-Debt Service Coverage Ratio mboleko, yenzelwe ababoleki abanokuthi bangabinayo ingeniso yesiqhelo okanye abakhetha ukungawuxeli umvuzo wabo. Endaweni yokuxhomekeka ekuqinisekisweni kwengeniso, ababolekisi bavavanya amandla omboleki ukubuyisela imali-mboleko ngokusekelwe kwingeniso eyenziwe yipropati ngokwayo. Oku kuthetha ukuba ukungena kwemali kwipropati kukuAmabanga aphantsiinto ekuqinisekiseni ukufaneleka kwemboleko.

Kutheni ukhethe iMali-mboleko ye-DSCR ngaphandle kokuQinisekiswa koMvuzo?

1. Ukuba bhetyebhetye Kubantu Abaziqeshileyo: Abantu abaninzi abazisebenzelayo okanye abo banengeniso engaqhelekanga bajongana nocelomngeni lokufumana iimali-mboleko zemveli ngenxa yeemfuno ezingqongqo zokuqinisekisa umvuzo. Iimali-mboleko ze-DSCR ziyawuphelisa lo mqobo, nto leyo eyenza kube lula koosomashishini kunye nee-freelancers ukuba bafumane inkxaso-mali.
2. Ubumfihlo kunye nokuLula: Abanye ababoleki bakhetha ukungawuchazi umvuzo wabo ngenxa yezizathu zabucala. Iimali-mboleko ze-DSCR zibonelela ngenkqubo yokufaka isicelo elumke ngakumbi kwaye elungelelanisiweyo.
3. Amathuba oTyalo-mali: Abatyali-zimali bezindlu nezindlu bahlala besebenzisa imali-mboleko ye-DSCR ukuxhasa ngezimali iipropati zokurenta. Ekubeni imvume yemali-mboleko isekelwe kwingeniso yepropati enokubakho, abatyali-zimali banokusebenzisa ezi mboleko ukuze bandise iipotfoliyo zabo ngaphandle kwesidingo samaxwebhu omvuzo wobuqu.

Isebenza njani imali-mboleko yeDSCR

Ukuze ufaneleke kwimali-mboleko ye-DSCR, ababolekisi baya kuvavanya i-Debt Service Coverage Ratio. Lo mlinganiselo ubalwa ngokwahlula ingeniso eshiyekileyo yepropati (NOI) ngenkonzo yetyala lilonke (iintlawulo zokubambisa). I-DSCR ye-1 okanye ngaphezulu ibonisa ukuba ipropati ivelisa ingeniso eyaneleyo yokuhlawula izibophelelo zayo zetyala, iyenze ibe ngumgqatswa ofanelekileyo wemali mboleko.

Umzekelo, ukuba ipropathi inengeniso yokusebenza eyi-10,000 yeedola ngenyanga kwaye inkonzo yetyala yenyanga iyonke yi-$8,000, i-DSCR iya kuba yi-1.25. Oku kubonisa ukuba ipropathi ivelisa i-25% yengeniso engaphezulu kunokuba ifunekayo ukuhlawula iintlawulo ze-mortgage, iyenza ibe ngumviwa oqinileyo we-DSCR mboleko ngaphandle kokuqinisekiswa kwengeniso.

Ukuqukumbela

Iimali-mboleko ze-DSCR ezingenasiqinisekiso somvuzo zibonelela ngesisombululo esisebenzayo nesiguquguqukayo kubathengi abaninzi baseMelika kunye nabatyali-mali. Ngokujolisa kwingeniso yepropati enokubakho kunomvuzo wobuqu womboleki, ezi mboleko zivula iingcango zobunini-zindlu kunye namathuba otyalo-mali anokuthi ngenye indlela angabi nakufikelelwa. Nokuba uyaziqeshisa, ufuna ubumfihlo, okanye ujonge ukutyala imali kwiipropati ezirentwayo, ukuqonda iimali mboleko ze-DSCR kunokukunceda ujonge imeko ye- mortgage ngokulula nangokuzithemba.

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.