Yenza lula iNkxaso-mali yakho yoTyalo-mali: Imali-mboleko ye-DSCR ngaphandle kokuBuyisa iRhafu iFunwayo

Kubatyali-mali bezindlu nezindlu, ukufumana inkxaso-mali yezakhiwo kusenokuba yinkqubo entsonkothileyo nedla ixesha, ngakumbi xa ifuna amaxwebhu abanzi engeniso yomntu. Izicelo zemali-mboleko yemveli zinokuba ngumthwalo, zifune ukubuyiswa kwerhafu, i-stubs yentlawulo, kunye nezinye iinkcazo zemali ezineenkcukacha. Nangona kunjalo, iI-DSCRInkqubo yemali-mboleko ibonelela ngenye indlela ehlaziyayo eyenza inkqubo ibe lula kakhulu. Kweli nqaku, siza kuxoxa ngendlela iimali-mboleko ze-DSCR ezisebenza ngayo, kutheni zingayifuni imbuyekezo yerhafu, kunye nokuba abatyali-mali bezindlu nezindlu banokuzuza njani kule ndlela ilungelelanisiweyo.

Yintoni iMali-mboleko yeDSCR kwaye Isebenza Njani?

Inkqubo ye-Debt Service Coverage Ratio (DSCR) yemali-mboleko yenzelwe ngokukodwa abatyali bezindlu abajonge ukuxhasa ngezimali iipropati zokuvelisa ingeniso. Ngokungafaniyo nemali-mboleko eqhelekileyo, edla ngokufuna ukuba lowo ubolekayo abonelele ngeenkcukacha zemali zobuqu, iimali-mboleko ze-DSCR zijolise ekusebenzeni kwemali yepropathi ngokwayo.

I-DSCR ngumlinganiselo othelekisa ingeniso eshiyekileyo yepropati (NOI) kwinkonzo yetyala (itotali iyonke.iintlawulo zindlu). Lo mlinganiselo unceda ababolekisi babone ukuba ingaba ipropati yenza ingeniso eyaneleyo yokuhlawula iindleko zayo, kuquka nentlawulo yokubambisa. I-DSCR ye-1.0 ibonisa ukuba umvuzo wepropati wanele nje ukuhlawula ityala. I-DSCR enkulu kune-1.0 icebisa ukuba ipropati yenza ingeniso ye-surplus, efanelekileyo kubabolekisi kwaye inceda ukunciphisa umngcipheko wabo.

Amandla okungabikho kweRhafu efunekayo

Enye yezona zinto zinomtsalane kwinkqubo ye-DSCR yemali mboleko kukuba ayifuni mbuyekezo yerhafu. Kwizicelo zendlu-mboleko yemveli, ukubonelela ngeembuyekezo zerhafu kuhlala kulinyathelo elibalulekileyo lokungqina ingeniso yomboleki. Kubaninzi abatyali-mali bezindlu, oku kunokuba ngumqobo obalulekileyo, ngakumbi ukuba banemali enzima, imithombo yengeniso engaqhelekanga, okanye iipropati ezininzi.

Ngemali-mboleko ye-DSCR, abatyali-mali banokufaneleka ngokusekelwe kwingeniso eyenziwe yipropati yodwa, ngaphandle kokufuna ukungenisa iimbuyekezo zerhafu. Oku kuyenza ibe lolona khetho lubalaseleyo kubatyali-mali abasenokungabinayo ingeniso ethe ngqo okanye bakhethe ukuphepha ukwabelana ngamaxwebhu aneenkcukacha zemali. Ngokususa le mfuneko, inkqubo ye-DSCR yemali mboleko ilungelelanisa inkqubo yokuvunywa kwaye inciphisa ixesha elithathayo ukukhusela imali.

Ngubani ofumana uncedo kwiMali-mboleko yeDSCR?

Inkqubo ye-DSCR yemali mboleko iluncedo kakhulu kuluhlu olubanzi lwabatyali-mali bezindlu. Abo banokuzuza baquka:

- Abatyali-zimali abaziqeshileyo: Abatyali-zimali bezindlu abaziqeshileyo okanye abanemithombo yengeniso engeyiyo eyemveli basoloko besokola ukunika amaxwebhu engeniso afunekayo kwimali-mboleko eqhelekileyo. Iimali-mboleko zeDSCR ziyawususa lo mqobo.
  
- Abatyali-zimali abaneepropati ezininzi: Abatyali-zimali abaneepropati ezininzi zokurenta banokukufumanisa kunzima ukubonisa ingeniso engaguqukiyo kuzo zonke iipropati. Ngokuqwalasela ukuhamba kwemali yepropathi nganye kunomvuzo wobuqu, imali-mboleko ye-DSCR iyenza lula inkqubo.

- Abatyali-mali abanengeniso eguquguqukayo: Ukuba ingeniso yomtyali-mali iyahluka unyaka nonyaka, ukubonisa ingeniso engaguqukiyo ngeembuyekezo zerhafu kunokuba ngumngeni. Inkqubo yemali-mboleko ye-DSCR iyawuphelisa lo mba ngokujolisa kwingeniso yepropati endaweni kunomtyali-mali.

- Abatyali-mali abafuna ukuvunywa ngokukhawuleza: Ngaphandle kwemfuneko yokubuyisela irhafu kunye namanye amaxwebhu omntu, inkqubo ye-DSCR yemali mboleko ikhawuleza, ivumela abatyali-mali ukuba basebenzise amathuba ngokukhawuleza.

Iimali-mboleko zeDSCR zibanceda njani abatyali mali bakhulise iiPotfoliyo zabo

Ukulula kunye nokuguquguquka kweemali-mboleko ze-DSCR kwenza abatyali-mali benze ngokukhawuleza kwaye bakhusele inkxaso-mali kwiipropati ezintsha. Ngenxa yokuba ababolekisi-mali basekela imvume yemali-mboleko kwingeniso yepropati, abatyali-mali banokuyandisa iipotfoliyo zabo ngaphandle kokuqinisekisa umvuzo wabo okanye ukubonelela ngeembuyekezo zerhafu. Oku kunokuba yinzuzo ebalulekileyo kukhuphiswano lwentengiso yezindlu nomhlaba apho ixesha libalulekile.

Ngaphezu koko, iimali-mboleko ze-DSCR zivumela abatyali-mali ukuba basebenzise imali ekhoyo kwiipropati zabo ukuze bafumane iipropati ezininzi, ezikhokelela kuhlumo olukhawulezayo lwepotfoliyo. Ngokusebenzisa iimali-mboleko ze-DSCR, abatyali-mali banokunyusa ishishini labo lezindlu nomhlaba ngamaphepha amancinci kunye nokulula okukhulu.

Ukuqukumbela

Inkqubo ye-DSCR yemali mboleko ibonelela ngeendlela ezilungelelanisiweyo nezisebenzayo zenkxaso-mali kubatyali-mali bezindlu, ukunika imvume ekhawulezileyo kunye nokuphelisa imfuno yembuyekezo yerhafu. Ngokugxila kwingeniso eyenziwe yipropati, iimali-mboleko ze-DSCR zenza kube lula kubatyali-mali abanengeniso engaqhelekanga okanye iipropati ezininzi ukuba bafanelekele ukuxhaswa ngemali. Ngale nkqubo yenziwe lula, abatyali-mali banokukhulisa iipotfoliyo zabo, bathabathe amathuba amatsha, kwaye bakhusele imali ngokukhawuleza.

Ukuba ungumtyali wezindlu ojonge ukwenza lula inkqubo yakho yenkxaso-mali, inkqubo ye-DSCR yemali mboleko inokuba sisisombululo esifanelekileyo. Ukuze ufunde ngakumbi malunga nendlela inkqubo yemali mboleko ye-DSCR enokukunceda ngayo, qhagamshelana ne-AAA yokuboleka namhlanje.

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