Ukwandisa iPropati yakho yoTyalo-mali: Ukuqonda iNdlela yokuBonelelwa kweNkonzo yeTyala kunye neeNkqubo ezingezizo zeQM

Utyalo-mali kwi-real estate ingaba luI-CRAIshishini leshishini, ngakumbi e-United States apho intengiso yahlukile kwaye inamandla. Nangona kunjalo, ukuqinisekisa impumelelo, kubalulekile ukuqonda iimetriki zemali eziphambili kunye neenkqubo zemboleko ezinokuchaphazela utyalo-mali lwakho. Iingqikelelo ezimbini ezibalulekileyo kubatyali-mali bezindlu yi-Debt Service Coverage Ratio (DSCR) kunye ne-Non-QM iinkqubo. Kweli nqaku, siza kuphonononga ukuba ezi zinto zingakunceda njani wandise isakhono sakho sepropathi yotyalo-mali.

Yintoni iTyala lokuBonelelwa kweNkonzo yeTyala (DSCR)?

I-Debt Service Coverage Ratio (DSCR) yi-metric yemali esetyenziswa ngababolekisi ukuvavanya ukukwazi kwepropati ukwenza ingeniso eyaneleyo yokuhlawula izibophelelo zetyala. Ngokusisiseko, i-DSCR ibalwa ngokwahlula ingeniso eshiyekileyo yepropati (NOI) ngenkonzo yayo yetyala lilonke. I-DSCR ye-1.0 ithetha ukuba ipropati yenza ingeniso eyaneleyo yokuhlawula ityala layo, ngelixa i-DSCR engaphezu kwe-1.0 ibonisa intsalela,utyalo-maliumngcipheko omncinci kubabolekisi.

Umzekelo, ukuba ipropathi yakho yotyalo-mali inengeniso yokusebenza eyi-100,000 yeedola kunye neentlawulo zetyala zonyaka ze-80,000 yeedola, i-DSCR iya kuba yi-1.25. Lo mlinganiselo ucebisa ukuba ipropati yenza ingeniso eyi-25% ngaphezulu kunokufuneka ukuhlawula ityala layo, nto leyo elungele ukufumana inkxaso-mali.

Ukubaluleka kwe-DSCR kuTyalo-mali lwe-Real Estate

Ukuqonda kunye nokwenza ngcono i-DSCR yepropathi yakho kubalulekile ngenxa yezizathu ezininzi:

1. Imvume yeMali-mboleko: Ababolekisi basoloko befuna ubuncinci be-DSCR ukuze kuphunyezwe iimali-mboleko. I-DSCR ephezulu yonyusa amathuba akho okufumana inkxaso-mali.
2. Umgangatho wenzala: Iipropathi ezine-DSCR eziphezulu zinokufaneleka ukufumana inzala ephantsi, ukunciphisa iindleko zizonke zokuboleka.
3. Impilo yezeMali: I-DSCR eyomeleleyo ibonisa ukuhamba kwemali okunempilo, okwenza utyalo-mali lwakho lukwazi ukumelana nokuguquguquka kweemarike.

Ukuphonononga iiNkqubo ezingezizo zeQM

Iinkqubo ze-Non-QM (i-Mortgage eNgafanelanga) ziyilelwe ababoleki abangazifezekisiyo iimfuno ezingqongqo zeemali mboleko zemveli. Ezi nkqubo zibonelela ngokuguquguquka ngokwemiqathango yokuqinisekiswa kwengeniso, amanqaku ekhredithi, kunye nomlinganiselo wetyala-kwingeniso, ezenza zibe lukhetho olunomtsalane kubatyali-mali bezindlu.

Izibonelelo zeeNkqubo ezingezizo ze-QM kubaTyali-mali

1. Flexible Ingeniso Verification: Iinkqubo ezingezizo eze-QM zidla ngokuwamkela amanye amaxwebhu engeniso, njengeziteyitimenti zebhanki okanye ingeniso yerenti, enokuba luncedo kubatyali-zimali abaziqeshileyo.
2. Ukuguquguquka kwamanqaku etyala: Abatyali-mali abanamanqaku etyala anganeno kune-agqibeleleyo bangakwazi ukufumana iimali-mboleko ze-Non-QM, babonelele ngamathuba amaninzi okukhusela inkxaso-mali.
3. Imida yeMali-mboleko ePhakamileyo: Iinkqubo ezingezizo ze-QM zinokubonelela ngemilinganiselo ephezulu yemali-mboleko, evumela abatyali-mali ukuba baxhase ngemali iipropati ezinkulu okanye ezininzi.

Ukudibanisa i-DSCR kunye neeNkqubo ezingezizo ze-QM

Ngokuqonda i-DSCR yepropathi yakho kunye nokusebenzisa iinkqubo ezingezizo ze-QM, unokuphucula isicwangciso sakho sotyalo-mali. I-DSCR ephezulu ingawaphucula amathuba akho okufumana iimali mboleko ezingezizo eze-QM, ngelixa ukuguquguquka kwezi nkqubo kunokukunceda ukhusele imali nokuba imali-mboleko yemveli ayiyondlela yokukhetha.

Ukuqukumbela, ukuqonda iikhonsepthi zoLwahlulo lweNkonzo yeTyala kunye neenkqubo ezingezizo ze-QM zibalulekile kuye nawuphi na umtyali wezindlu ojonge ukwandisa amandla abo otyalo-mali e-United States. Ngokujolisa kwezi zinto zibalulekileyo, unokwenza izigqibo ezinolwazi, ukhusele imali efanelekileyo, kwaye ufezekise impumelelo enkulu kushishino lwakho lwezindlu nezindlu.

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.