Inkqubo yeMali-mboleko ye-DSCR: Iimali-mboleko zoTyalo-mali ngaphandle kokuBuyisa iRhafu

Kubatyali-mali bezindlu, ukufumana inkxaso-mali engadingi maphepha abanzi kunokutshintsha umdlalo. Esinye sezona zisombululo zintsha zikhoyo namhlanje yiI-DSCRinkqubo yemali-mboleko, evumela abatyali-mali ukuba bafaneleke ukufumana inkxaso-mali esekelwe kwimali ephumayo kwipropati kunomvuzo wabo wobuqu. Le nkqubo inomtsalane ngakumbi kuba ayifuni mbuyekezo yerhafu, yenza inkqubo ikhawuleze kwaye ibelula kwabo basenokungabinayo ingeniso engqinisiseka ngokulula. Kweli nqaku, siza kuchaza ukuba isebenza njani inkqubo ye-DSCR yemali mboleko kunye nendlela ebanceda ngayo abatyali bezindlu.

Yintoni iNkqubo yeMali-mboleko yeDSCR?

Inkqubo yemboleko yenkonzo yeTyala (DSCR) luhlobo olukhethekileyo lwemali-mboleko esetyenziselwa iipropati zotyalo-mali. I-DSCR yireyishini yezemali elinganisa ukukwazi kwepropathi ukwenza ingeniso eyaneleyo yokuhlawula inkonzo yetyala layo (iintlawulo zokubambisa). I-DSCR ibalwa ngokwahlula-hlula ingeniso yokusebenza yepropati (NOI) ngentlawulo yetyala lilonke. I-DSCR ye-1.0 ithetha ukuba ipropati yenza ingeniso eyaneleyo ukuhlangabezana nezibophelelo zetyala layo. I-DSCR ephezulu ibonisa ukuba ipropati yenza ingeniso engaphezulu kunokuba kuyimfuneko ukuhlawula ityala layo.

Kwinkqubo ye-DSCR yemali-mboleko, ababolekisi bahlola ngokuyinhloko ukuhamba kwemali yepropati kwaye basebenzise oku njengento ephambili ekumiseleni ukufaneleka kwemboleko. Oku kuvumela abatyali-mali bezindlu nezindlu ukuba bafumane inkxaso-mali esekelwe kwintsebenzo yemali yepropathi kunengeniso yabo yobuqu okanye imbuyekezo yerhafu.

Isebenza njani iNkqubo yeMali-mboleko yeDSCR

Inkqubo ye-DSCR yemali-mboleko yenzelwe ukwenza lula inkqubo ye-mortgage kubatyali-mali bezindlu. Iimali zokubambisa ngokwemveli zifuna amaxwebhu aneenkcukacha zomvuzo womntu, kubandakanywa neembuyekezo zerhafu, iimali zokuhlawula, kunye neengxelo zebhanki. Ngokwahlukileyo, inkqubo ye-DSCR yemali mboleko igxile kwingeniso eyenziwe yipropathi yotyalo-mali.

Endaweni yokuphononongaUkuBuyiswa kweRhafus okanye amanye amaxwebhu emali yobuqu, umbolekisi uvavanya amandla engeniso yepropathi. Ukuba ingeniso eshiyekileyo yokusebenza kwepropati yanele ukuhlawulela inkonzo yetyala (njengoko kubonisiwe yi-DSCR eyomeleleyo), umtyali-mali unokulungela ukufumana imali-mboleko. Oku kwenza kube lula kubatyali-mali abasenokungabi nawo umvuzo ongaguqukiyo okanye amaxwebhu engeniso esesikweni ukuze bafumane inkxaso-mali.

I-Advantage yokungabi nambuyekezo yeRhafu efunekayo

Olona ncedo lubalulekileyo lwenkqubo ye-DSCR yemali-mboleko kukuba ayifuni mbuyekezo yerhafu. Iinkqubo zemali-mboleko yesiNtu zihlala zifuna imbuyekezo yerhafu yomntu njengendlela yokuqinisekisa ingeniso, enokuthi idle ixesha kwaye ibenzima kubatyali-mali abaneepropati ezininzi, abantu abaziqeshileyo, okanye abo banengeniso engaqhelekanga. Ngenkqubo yemboleko ye-DSCR, le miqobo iyapheliswa, ilula inkqubo kunye nokuvumela ukuvunywa ngokukhawuleza.

Oku kuluncedo kakhulu kubatyali-mali abasenokungabi nangeniso yemveli okanye abangeniso yabo kunzima ukuyiqinisekisa. Nokuba ungumnini weshishini, usebenzela umntu osebenza ngokuzimeleyo, okanye umtyali-mali onemali entsonkothileyo, inkqubo yemali mboleko yeDSCR ibonelela ngendlela elula kakhulu yokufumana inkxaso-mali.

Ngubani onokuNzuza kwiNkqubo yeMali-mboleko yeDSCR?

Inkqubo ye-DSCR yemali-mboleko ilungele uluhlu olubanzi lwabatyalo-mali bezindlu, kubandakanywa abo baneepropati ezininzi, abo basebenza ngokuzimeleyo, okanye abatyali-mali abanemithombo yengeniso engeyiyo eyemveli. Inkqubo yenzelwe abatyali-mali abanokubonisa ukuba iipropati zabo zisebenza ngokwemali ngokusekelwe ekuhambeni kwemali kunomvuzo womntu.

Abatyali-mali abakufumana kunzima ukufumana imali-mboleko yemveli ngenxa yengeniso eguquguqukayo, ukunqongophala kwembuyekezo yerhafu, okanye iimeko ezinzima zemali baya kufumana inkqubo ye-DSCR yemali mboleko iyindlela eyamkelekileyo. Inika indlela ethe ngqo, enganeno kuthintela ukubonelela ngemali ngokusekelwe kwingeniso yepropati, edla ngokuba sisalathisi esithembeke ngakumbi sokukwazi komtyali-mali ukubuyisela imali-mboleko.

Ukuqukumbela

Inkqubo yemali-mboleko ye-DSCR ibonelela ngenzuzo ebalulekileyo kubatyali-mali bezindlu ngokunikezela ngendlela elula yokukhusela inkxaso-mali. Ngokujolisa kukungena nokuphuma kwemali kwipropati kunye nokuphelisa imfuno yembuyekezo yerhafu, le nkqubo yemali-mboleko ilungelelanisa inkqubo yokuvunywa kwaye ivule amathuba kubatyali-mali abasenokungafumani ngeniso yobuqu engqinisiseka ngokulula. Ukuba ungumtyali-mali wezindlu nezindlu ukhangela indlela esebenzayo yokuxhasa ngemali izakhiwo zakho, inkqubo yemali mboleko ye-DSCR inokuba sisisombululo esifanelekileyo.

Ukuze ufunde ngakumbi malunga nenkqubo ye-DSCR yemali mboleko kunye nendlela enokuzuza ngayo utyalo-mali lwakho lwezindlu nomhlaba, qhagamshelana ne-AAA yokuboleka namhlanje.

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