12/05/2023

Ukuphonononga ukuVeliswa kokuTshaniswa kweeNkqubo zeDSCR

Kwimeko ehlala iguquguquka yenkxaso-mali ye-mortgage, Akukho Ratio yeTyala-Service Coverage Ratio (DSCR) IiNkqubo ziye zavela njengesisombululo esahlukileyo kubaboleki abafuna ukuguquguquka kwemali.Esi sikhokelo sibanzi sijolise ekukhanyiseleni kwiimpawu, iinzuzo ezinokuthi zibe kho, kunye neengqwalaselo ezinxulunyaniswa nezi nkqubo zivelisa izinto ezintsha, eziyilelwe ukujongana noluhlu olwahlukeneyo lweeprofayili zemali.

Ukuqonda Akukho Ratiyo kwiiNkqubo zeDSCR

Azikho iiNkqubo ze-DSCR, ezidla ngokubizwa ngokuba “Azikho Ratio” iinkqubo, zimele utshintsho lweparadigm ekubolekweni kwezindlu.Ezi nkqubo ziyasuka kugxininiso lwemveli kumlinganiselo wetyala-kwingeniso, ukubonelela ababoleki ngenye indlela yokukhusela inkxaso-mali ngaphandle kokuphononongwa ngokungqongqo kumaxwebhu engeniso yabo.

Iimpawu zokungabikho kweeNkqubo zeDSCR

1. Akukho kugxininiso kwiTyala-kwiRhafu yoMvuzo:
   • Amagqabantshintshi: Akukho Ratiyo Iinkqubo zeDSCR azigxininisi kakhulu umlinganiselo wetyala kwingeniso kwinkqubo yokuvunywa kwemali mboleko.
   • Impembelelo: Ababoleki bafumana ukuguquguquka okwandisiweyo, ngakumbi abo banemithombo yengeniso engaqhelekanga okanye iimeko ezinzima zemali.
2. Gxininisa kwiNqanaba lokuBonelelwa kweNkonzo yeTyala:
   • Amagqabantshintshi: Ababolekisi bavavanya ukukwazi kwepropathi ukwenza ingeniso ukuhlawulela inkonzo yetyala endaweni yokuxhomekeka kuphela kumvuzo womboleki.
   • Impembelelo: Abatyali-zimali bezindlu kunye nabantu abazisebenzelayo banokuzifumana ezi nkqubo zibavumela ngakumbi.
3. IiMveliso zeMali-mboleko eyahluka-hlukeneyo:
   • Amagqabantshintshi: Akukho Lungiselelo IiNkqubo zeDSCR ziyafumaneka ngeenjongo ezahlukeneyo, kubandakanya ukuthengwa kwendawo yokuhlala, utyalo-mali lwezindlu nomhlaba, kunye nokuxhasa ngemali.
   • Impembelelo: Ababoleki banenkululeko yokukhetha imveliso yemali-mboleko ehambelana neenjongo zabo zemali.

Izibonelelo kunye nokuqwalaselwa kwababoleki

1. Ukuguquguquka okuphuculweyo ekuvunyweni:
   • I-advanteji: Akukho lungelelwaniso IiNkqubo zeDSCR zibonelela bhetyebhetye olongeziweyo ekuvunyweni kwemboleko-mali, evumela ababoleki abaneeprofayili ezahlukeneyo zezimali ukuba bafaneleke.
   • Ukuqwalasela: Ngoxa ukuba bhetyebhetye kusanda, ababoleki bafanele bayihlolisise ngenyameko imiqathango, kuquka inzala neshedyuli yokuhlawula.
2. Ukufikeleleka kwabaTyali bezindlu:
   • I-advanteji: Abatyali-zimali bezindlu nezindlu banokuzifumana ezi nkqubo ziluncedo ngakumbi, njengoko ugqaliselo lwengeniso yepropati lunokwenza lula ukuxhasa ngemali izakhiwo zotyalo-mali.
   • Uqwalaselo: Abatyali-mali kufuneka bavavanye imigaqo nemiqathango ethile ukuze baqinisekise ukuhambelana nesicwangciso sabo sotyalo-mali.
3. Inkqubo yeSicelo esiLundisiweyo:
   • I-advanteji: Ugxininiso oluncitshisiweyo kumaxwebhu engeniso yemveli kudla ngokukhokelela kwinkqubo yesicelo ekhawulezayo nelungelelanisiweyo.
   • Uqwalaselo: Ababoleki kufuneka bagcine ukuqonda okucacileyo kwemigaqo, kwaye baqinisekise ukuba isantya sokuvunywa asiphazamisi isicwangciso sabo sezemali sisonke.

Ukuqwalaselwa kwababoleki

1. Ukuqondwa ngokucokisekileyo kweMetrikhi yePropati:
   • Ingcebiso: Njengoko kungekho Mvelwano IiNkqubo zeDSCR zijolise kwingeniso yepropathi, ababoleki kufuneka babe nokuqonda ngokucokisekileyo iimethrikhi ezisetyenziselwa ukuvavanya ukusebenza kwemali kwepropathi.
2. Ukuqondwa okucacileyo kweMigaqo yeMali-mboleko:
   • Ingcebiso: Nangona kwenziwe lula uvavanyo lwengeniso, ababoleki bafanele bayiqonde kakuhle imiqathango yemali-mboleko, kuquka inzala, imirhumo kunye neshedyuli yokuhlawula.
3. UThengiso oluthelekisayo:
   • Ingcebiso: Phonononga unikezelo oluvela kubabolekisi abahlukeneyo ababonelela ngeeNkqubo ze-DSCR ze-No Ratio ukuze ukhusele awona miqathango avumayo kwiimeko zemali zomntu ngamnye.

Ukujonga iNkqubo yeSicelo

1. Unxibelelwano oluselubala kunye nababolekisi:
   • Isikhokelo: Gcina unxibelelwano oluvulekileyo kunye nababolekisi, uqinisekise ukucaca kumaxwebhu afunekayo kunye nokuqonda imigaqo ethile yombolekisi.
2. Uphononongo loBuchule lweMetrikhi yePropati:
   • Isikhokelo: Ukubandakanya abantu abaqeqeshiweyo ukuba baphonononge iimetriki zepropathi, baqinisekise ukuqonda okubanzi malunga nokuba banegalelo njani kwinkqubo yokuvunywa kwemboleko-mali.
3. Umcebisi wezomthetho ukuba uyafuneka:
   • Isikhokelo: Kwiimeko ezinzima okanye zokungaqiniseki, ukufuna ingcebiso yezomthetho kunokubonelela ngokhuseleko olongezelelweyo kubaboleki.

Ukuqukumbela: Ukuvula izisombululo zemali kwiimeko ezahlukeneyo

Akukho mlinganiso weeNkqubo ze-DSCR zimi phambili kwi-mortgage innovation, inika indlela ekhethekileyo yokuxhasa ngemali exhobisa ababoleki ngokuguquguquka kwezemali.Ngelixa ezi nkqubo zenza lula inkqubo yesicelo, ababoleki kufuneka basondele kwinkqubo yokwenza izigqibo ngokuqonda okucacileyo kwemigaqo kunye norhwebo olunokubakho.Ngokujonga izinto ezintsonkothileyo ze-No Ratio DSCR Programmes ngenkuthalo kunye nokwazisa, ababoleki banokusebenzisa la mathuba amatsha okufezekisa iinjongo zabo zezindlu kunye nezezimali.

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.