Ukwandisa uTyalo-mali lwakho: Ukuqonda iRetiyo ye-DSCR yabemi baNgaphandle abaTyala imali kwi-Real Estate yase-US

Ukutyala imali kwi-real estate yase-US kunokuba lithuba elinengeniso kubantu bangaphandle. Nangona kunjalo, ukukhangela ubunzima benkxaso-mali kunokuba ngumngeni, ngakumbi xa kuziwa ekuqondeni i-Debt Service Coverage Ratio (I-DSCR). Eli nqaku lijolise ekukhanyiseleni umlinganiselo we-DSCR kunye nokubaluleka kwawo kubantu bangaphandle abajonge ukutyalomali kwiipropati zaseMelika.

Yintoni umlinganiselo weDSCR?

Umlinganiselo we-DSCR, okanye i-Debt Service Coverage Ratio, yimilinganiselo ebalulekileyo esetyenziswa ngababolekisi-mali ukuvavanya amandla epropathi yotyalo-mali ukuhlawula izibophelelo zetyala. Ngokusisiseko, ilinganisa intsalela yengeniso yokusebenza (NOI) ngokunxulumene nenkonzo yayo yetyala lilonke. Umlinganiselo we-DSCR we-1.0 ubonisa ukuba ipropati yenza ingeniso eyaneleyo yokuhlawula amatyala ayo, ngelixa umlinganiselo ongaphezulu kwe-1.0 ubonisa ukuba kulungile.Ukuhamba KWEMALI, kwaye umlinganiselo ongaphantsi kwe-1.0 ubonisa ukusilela okunokwenzeka.

Kutheni le nto i-DSCR Retio ibalulekile kubemi bamazwe angaphandle?

Kubemi bangaphandle, ukuqonda umlinganiselo we-DSCR kubalulekile ngenxa yezizathu ezininzi. Okokuqala, inceda ekuvavanyeni impilo yezemali yepropathi enokubakho yotyalo-mali. Umlinganiselo ophezulu we-DSCR uthetha umngcipheko ophantsi kubabolekisi, okwenza kube lula kubantu bangaphandle ukufumana inkxaso-mali. Okwesibini, umlinganiselo oqinileyo we-DSCR unokukhokelela kwimimiselo engcono yemali-mboleko, efana nenzala ephantsi kunye neemali mboleko eziphezulu, ezinokuthi zikhulise kakhulu inzuzo yotyalo-mali.

Ubalwa njani umyinge we-DSCR

Ukubala umlinganiselo we-DSCR kubandakanya ifomula ethe ngqo:

I-DSCR Retio=Ingeniso yokuSebenza eNxaxheba (NOI)Inkonzo yeTyala iyonkeUmlinganiselo we-DSCR=Inkonzo yeTyala iyonkeINgeniso yoMvuzo wokuSebenza (NOI)​

Umzekelo, ukuba ipropathi ivelisa i-100,000 yeedola kwi-NOI kwaye ineentlawulo zetyala lonyaka le-80,000 yeedola, umlinganiselo we-DSCR uya kuba:

Umlinganiselo we-DSCR=100,00080,000=1.25Umlinganiselo we-DSCR=80,000100,000​=1.25

Lo mlinganiselo ubonisa ukuba ipropati ivelisa i-25% yengeniso engaphezulu kunoko kufunekayo ukuhlawula izibophelelo zetyala, uphawu olulungileyo lwababolekisi.

Iingcebiso kubemi bamazwe angaphandle ukuba baphucule umlinganiselo we-DSCR

1. Yandisa uMvuzo weRenti: Ukuphucula isibheno sepropati ngokuhlaziya okanye ukuthengisa ngobuchule kunokutsala abaqeshi abahlawula kakhulu.
2. Nciphisa Iindleko Zokusebenza: Ukusetyenziswa kwamanyathelo okugcina iindleko kunokunyusa i-NOI, ngaloo ndlela kuphuculwe umlinganiselo we-DSCR.
3. Ityala leRefinance: Ukwenza uthethathethwano ngemibandela ebhetele yokuboleka imali okanye ukubuyisela amatyala akhoyo ngenzala ephantsi kunokulinciphisa lilonke inani lamatyala.

Ukuqukumbela

Kubemi bangaphandle, ukuqonda ngokucokisekileyo umlinganiselo we-DSCR kubalulekile xa utyala imali kwi-US real estate. Le metric ayiphembeleli kuphela ukubanakho ukukhusela imali kodwa ikwachaphazela ingeniso epheleleyo kutyalo-mali. Ngokugxila ekuphuculeni umlinganiselo we-DSCR, abatyali-mali bamanye amazwe banokwandisa amathuba abo okuphumelela kukhuphiswano lwe-US real estate market.

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.