Ukuqonda i-DSCR kunye neMpembelelo yayo kuTyalo-mali lwe-Mortgages

Xa kuziwa ekuqinisekiseni iutyalo-malii-mortgage, enye yezona zinto zibalulekileyo kubabolekisi yi-Debt Service Coverage Ratio (DSCR). Kubatyali-mali abafuna ukwandisa ipotfoliyo yabo, ukuqonda i-DSCR kubalulekile ukumisela ukufaneleka kwemboleko kunye nokulawula umngcipheko. Kweli nqaku, siza kuphonononga ukuba i-DSCR ithetha ukuthini, ichaphazela njani iipropathi zotyalo-mali, kwaye kutheni iyimetric ephambili ekufumaneni imali yokubambisa.

Yintoni i-DSCR?

I-Debt Service Coverage Ratio (DSCR) ngumlinganiselo wemali osetyenziswa ngababolekisi-mali ukulinganisa amandla omtyali-mali ukuhlawula izibophelelo zetyala lakhe ngengeniso eyenziwe kwipropati. Ngamagama alula, ngumlinganiselo wengeniso eshiyekileyo yepropathi (NOI) kwinkonzo yetyala layo (isixa esipheleleyo seentlawulo zamatyala ekufuneka zihlawulwe). I-DSCR ye-1.0 ithetha ukuba ipropati yenza ingeniso eyaneleyo yokuhlawula amatyala. I-DSCR ephezulu kune-1.0 ibonisa ipropati eyenza ingeniso engaphezulu kunokuba ifunekayo ukuhlawula izibophelelo zayo zetyala, nto leyo ehlisa umngcipheko kubabolekisi.

Kutheni iDSCR ibalulekile kuTyalo-mali lwe-Mortgages

Kubatyali-mali abafuna ukuthenga okanyeRefinanceipropati, ukuqonda i-DSCR kubalulekile. Ababolekisi bajonga ngokusondeleyo kwi-DSCR ukuvavanya impilo yemali yepropathi. I-DSCR ephezulu ibonisa ukuba ipropati izinzile ngokwasezimalini kwaye inokuhlawula iindleko zayo ngomvuzo othe chatha, nto leyo enokukhokelela kwimiqathango engcono yemali-mboleko okanye imvume. Ngakolunye uhlangothi, i-DSCR esezantsi ibonisa ukuba ingeniso yepropathi ayikhuphi iintlawulo zamatyala, nto leyo enokukhokelela kwinzala ephezulu okanye kwimali-mboleko ekhatyiweyo.

Xa ufaka isicelo semali-mboleko yotyalo-mali, i-DSCR idlala indima ephambili ekumiseleni ukuba umbolekisi uziva enentembelo kubuchule bomboleki bokubuyisela imali-mboleko. Uninzi lwababolekisi bafuna i-DSCR ye-1.25 ubuncinane kwiipropati zotyalo-mali. Oku kuthetha ukuba ipropati kufuneka yenze ingeniso eyi-25% ngaphezulu kuneentlawulo ezifunekayo zetyala.

Uyiphucula njani iDSCR

Abatyali-mali abafuna ukwandisa i-DSCR yabo kunye nokuphucula amathuba abo okufumana imali-mboleko yendlu kufuneka bagxininise ekwandiseni ingeniso yepropati yabo okanye ekunciphiseni iindleko zokusebenza. Oku kunokufezekiswa ngokwandisa irente, ukunciphisa izithuba, okanye ukunciphisa iindleko ezingeyomfuneko. Ukongeza, ukubuyisela amatyala akhoyo ukuze kuthotywe inzala nako kunokuphucula umlinganiselo kwaye kwenze indawo ibe nomtsalane ngakumbi kubabolekisi.

Ukuqukumbela

Kwilizwe elikhuphisanayo leepropati zotyalo-mali, ukuqonda i-DSCR kubalulekile kubo bobabini ababolekisi kunye nababoleki. I-DSCR eyomeleleyo inokuvula iingcango kwiinketho ezingcono zokuboleka imali, ngelixa i-DSCR ebuthathaka inokubonisa imingeni ekufumaneni inkxaso-mali. Nokuba ungumtyali-mali onamava okanye usaqalayo, ukugxila kwi-DSCR kuya kunceda ekuqinisekiseni ukuba ipropathi yakho yotyalo-mali ihlala inengeniso kwaye iyabhanka.

Ngolwazi oluthe kratya malunga nokuba i-DSCR iyichaphazela njani indlela okhetha ngayo imali-mboleko yotyalo-mali, qhagamshelana nathi kwa-AAA Ukuboleka ukuthetha nenye yeengcali zethu zokubambisa.

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