Amandla e-DSCR kwaye akukho siqinisekiso soMvuzo kwi-Mortgages yoTyalo-mali

Kubatyali-mali bezindlu e-US, ukufumana i-mortgage efanelekileyo kunokuba yinkqubo enzima kwaye ithatha ixesha. Nangona kunjalo, izinto ezimbini ezibalulekileyo-i-Debt Service Coverage Ratio (I-DSCR) kwaye akukho siqinisekiso sengeniso-inokwenza lula inkqubo yokuvunywa kwaye inikeze ukuguquguquka. Ezi zinto zivumela abatyali-mali ukuba bafumane inkxaso-mali esekelwe kwingeniso yepropathi enokubanakho, kunokuba iinkcukacha zomvuzo wobuqu. Kweli nqaku, siza kuxoxa ngendlela i-DSCR kwaye akukho mali yokuqinisekisa ingeniso enokuthi izuze ukuthengwa kwepropathi yakho yotyalo-mali.

Yintoni iDSCR kuyoutyalo-maliIimali zokubambisa?

I-Debt Service Coverage Ratio (DSCR) sisilinganiselo esibalulekileyo esisetyenziswa ngababolekisi-mali ukuhlola ukukwazi kwepropathi yotyalo-mali ukwenza ingeniso eyaneleyo yokuhlawula amatyala ayo. Ngokusisiseko, ithelekisa ingeniso eshiyekileyo yokusebenza kwepropathi (NOI) kunye nenkonzo yetyala layo (iintlawulo zizonke ze-mortgage). I-DSCR ye-1.0 ithetha ukuba umvuzo wepropathi wanele nje ukuhlawula amatyala. I-DSCR ephezulu kune-1.0 ibonisa ukuba ipropati yenza ingeniso engaphezulu kunokuba ifunekayo ukuhlawula ityala, elinciphisa umngcipheko kubabolekisi.

Kubatyali-mali, ukugcina i-DSCR enempilo-ngokuqhelekileyo malunga ne-1.25 okanye ngaphezulu-inokwandisa amathuba abo okufumana imali mboleko ngemibandela efanelekileyo. Ibonisa ukuba ipropathi yotyalo-mali izinzile ngokwemali kwaye iyakwazi ukuvelisa ukuhamba kwemali okwaneleyo.

Akukho siqinisekiso soMvuzo: INzuzo ePhambili kubaTyali-mali

Izicelo zokubolekwa kwezindlu zemveli zidla ngokufuna abatyali-mali ukuba babonelele ngobungqina bengeniso ngembuyekezo yerhafu, ukuhlawula, kunye namanye amaxwebhu emali. Nangona kunjalo, akukho mali yokubambisa yokuqinisekisa ingeniso esusa le mfuneko, igxininise ngokupheleleyo kwintsebenzo yemali yepropathi yotyalo-mali ngokwayo. Oku kuluncedo ngakumbi kubatyali-mali abaneepropati ezininzi, abazimeleyo, okanye abanini bamashishini abasenokungabi nawo amaxwebhu engeniso emveli afumanekayo.

Ngokusebenzisa indlela yokuqinisekisa ukuba akukho ngeniso, ababolekisi bagxininisa kwingeniso yepropati (efana nengeniso yerenti okanye ingeniso evela kumsebenzi wepropati), nto leyo ebonisa ukuthembela ngakumbi kokukwazi komtyali-mali ukubuyisela imali-mboleko. Ukukwazi kwepropati ukugcina i-DSCR eyomeleleyo iba ngumlinganiselo ongundoqo wesiqinisekiso, endaweni yemeko yezemali yomtyali-mali.

Indlela i-DSCR kunye nokungaQinisekiswa koMvuzo isebenza kunye

Xa i-DSCR kwaye kungekho siqinisekiso sengeniso sidityanisiwe, abatyali-mali bezindlu nezindlu baxhamla kwinkqubo yesicelo semali-mboleko elungelelanisiweyo. Ekubeni umbolekisi egxininisa kwingeniso yepropati endaweni yemvelaphi yemali yomtyali-mali, ababoleki akuyomfuneko ukuba babonelele ngamaxwebhu abanzi engeniso. Logama nje ipropati ivelisa ingeniso eyaneleyo yokuhlawula ityala (njengoko kubonisiwe yi-DSCR), abatyali-mali banokufanelekela ukuxhaswa ngezimali ngaphandle kokuqinisekisa umvuzo wabo.

Umzekelo, umtyali-mali oneepropati ezininzi zokurenta kwaye onengeniso engaqhelekanga angakufumana kunzima ukubonelela ngesiqinisekiso sengeniso yemveli. Nangona kunjalo, ukuba ipropathi yotyalo-mali echaphazelekayo ine-DSCR ye-1.25 okanye ngaphezulu, ipropati ngokwayo iya kubonwa njengotyalo-mali olukhuselekileyo, oluvumela umtyali-mali ukuba adlule ukuqinisekiswa kwengeniso yomntu.

Kutheni le nto iNzuzo kubaTyali-mali

Enye yeenzuzo eziphambili ze-DSCR kwaye akukho siqinisekiso sengeniso kukuba abatyali-mali banokufikelela kwinkxaso-mali ngokukhawuleza nangokulula ngakumbi. Ngeemfuno ezimbalwa zamaxwebhu, inkqubo yokuvunywa kwe-mortgage ikhawuleza, inceda abatyali-mali ukuba bahambe ngokukhawuleza ekufumaneni ipropati. Ukongezelela, olu khetho luvumela abatyali-mali ukuba bagxininise kwinzuzo yeepropati zabo kunokujongana nobunzima bokuqinisekiswa kwengeniso yemveli.

Ngaphezu koko, kubatyali-mali abaneepropati ezininzi, ukusebenzisa i-DSCR njengeyona ndlela iphambili yokulinganisa iqinisekisa ukuba ipropati nganye ivavanywa ngokusekelwe kwingeniso yayo kunokuba imeko yemali yomtyali-mali. Oku kuyinzuzo enkulu kwabo bafuna ukukhulisa iiphothifoliyo zabo ngaphandle kobunzima bokubonisa umvuzo wabo.

Ukuqukumbela

I-DSCR kwaye akukho zikhetho zokuqinisekisa ingeniso zibonelela ngesisombululo esisodwa kunye nenzuzo kubatyali-zimali bezindlu ezithengiswayo abafuna ukukhusela imali kwiipropati zotyalo-mali. Ngokugxininisa isakhono sokwenza ingeniso yepropathi kunye nokwenza lula inkqubo yesicelo, abatyali-mali banokufumana ngokukhawuleza imali ngaphandle kwesidingo sokuqinisekiswa kwengeniso yomntu. Le ndlela yenza kube lula ukutyalomali kwi-real estate, ukwandisa iipotfoliyo, kunye nokwakha ubutyebi bexesha elide.

Ukufunda ngakumbi malunga nokuba i-DSCR kwaye akukho siqinisekiso sengeniso sinokukunceda njani ukukhusela eyona mali ingcono yotyalo-mali, qhagamshelana nathi namhlanje! Iqela lethu leengcaphephe lilapha ukukukhokela kwinkqubo yokuboleka imali kwaye likuncede ukhusele imali oyidingayo.

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