Yintoni iMali-mboleko yeDSCR?

I-DSCR imele i-Debt Service Coverage Ratio, kwaye yingcamango ebalulekileyo kwihlabathi lezindlu zokubambisa kunye nenkxaso-mali yezindlu nomhlaba. I-Debt Service Coverage Ratio yi-metric yemali esetyenziswa ngababolekisi ukuvavanya ukukwazi kwepropati ukwenza ingeniso eyaneleyo yokuhlawula izibophelelo zetyala, kubandakanywa iintlawulo ze-mortgage, irhafu yepropathi, i-inshurensi, kunye neendleko zokulondoloza.

Isebenza Njani I-DSCR?

Ngamagama alula, i-Debt Service Coverage Ratio ilinganisa ingeniso eshiyekileyo yokusebenza kwepropati (NOI) ngokunxulumene nezibophelelo zetyala. Ibalwa ngokwahlula i-NOI yepropati ngenkonzo yayo yetyala lilonke. Okukhona iphezulu i-DSCR, kokukhona ingeniso eninzi ivelisa ipropati xa kuthelekiswa netyala layo, nto leyo ebonisa umngcipheko ophantsi kubabolekisi.

Kutheni i-DSCR ibalulekile?

I-DSCR ibalulekile kubabolekisi kuba ibanceda bavavanye umngcipheko onxulumene nokuboleka imali kutyalo-mali lwezindlu nezindlu. I-DSCR ephezulu icebisa ukuba ipropati yenza ingeniso eyaneleyo yokuhlawula amatyala ayo, iyenze ibe lutyalo-mali olukhuselekileyo. Ngakolunye uhlangothi, i-DSCR ephantsi ingabonisa ukungazinzi kwemali kunye nomngcipheko ophezulu wokusilela.

Ibalwa njani iDSCR?

Ukubala i-Debt Service Coverage Ratio, landela la manyathelo:

1. Qinisekisa intsalela yengeniso yokusebenza yepropati (NOI), eyingeniso iyonke eveliswa yipropati kuthatyathwe iindleko zokusebenza ezifana nolungiso, izinto eziluncedo, kunye neentlawulo zolawulo lwepropathi.
2. Bala yonke inkonzo yetyala lepropati, kubandakanywa iintlawulo zokubambisa, iirhafu zepropathi, i-inshurensi, kunye nazo naziphi na ezinye izibophelelo zetyala ezinxulumene nepropati.
3. Yahlula i-NOI yepropati ngenkonzo yayo yetyala lilonke ukufumana i-DSCR.

Ukutolika amaxabiso e-DSCR

• I-DSCR
• I-DSCR = 1: Ibonisa ukuba umvuzo wepropati uhambelana ngqo nezibophelelo zetyala, akushiyi sithuba seendleko ezingalindelekanga.
• DSCR > 1: Ibonisa ukuba ipropati yenza ingeniso engaphezulu kunokuba ifuneka ukuze ihlawule izibophelelo zetyala layo, ibonelela ngesithintelo kwiindleko ezingalindelekanga kunye nokubonisa uzinzo lwemali.

Ukuqukumbela

Isishwankathelo, iimali-mboleko ze-DSCR zidlala indima ebalulekileyo kwinkxaso-mali ye-real estate ngokuhlola amandla okuvelisa ingeniso yepropati ngokumalunga nezibophelelo zetyala. Ukuqonda i-DSCR inceda abatyali-mali kunye nababolekisi ukuba benze izigqibo ezinolwazi malunga notyalo-mali lwepropati kunye nokuvunywa kwemali mboleko. Kwi-AAA LENDINGS, sinikezela ngeendlela ezahlukeneyo zokuxhasa ngemali, kuquka iimali-mboleko ze-DSCR, ukunceda abatyali-mali ukuba bafezekise iinjongo zabo zotyalo-mali lwezindlu. Qhagamshelana nathi namhlanje ukuze ufunde ngakumbi malunga neemveliso zethu zokubambisa kunye nendlela esinokukunceda ngayo ekufumaneni imali yotyalo-mali lwakho.

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.