Ukuvula amaThuba oTyalo-mali kubemi bamazwe angaphandle nge-DSCR

Utyalo-mali kwi-real estate yase-US ibonelela ngesakhono esikhulu kubantu bamanye amazwe abafuna ukwahlula iiphothifoliyo zabo kwaye bangene kwenye yezona zinto zintle.I-CRAiimarike zepropathi kwihlabathi. Nangona kunjalo, ukufumana inkxaso-mali njengelizwe langaphandle kunokuba ngumngeni ngenxa yeemfuno zemveli zokuboleka imali. Ngethamsanqa, inkqubo yeMali-mboleko ye-DSCR yeSizwe yaNgaphandle ibonelela ngesisombululo esifikelelekayo, esivumela abatyali-mali bangaphandle ukuba bafanelekele ukuxhaswa ngemali ngokusekelwe kwingeniso eyenziwe yipropati yabo yotyalo-mali kunokuba ingeniso yomntu okanye imbali yekhredithi. Kweli nqaku, siza kuphonononga ukuba isebenza njani inkqubo ye-DSCR yemali mboleko kubantu bangaphandle kwaye kutheni ilukhetho olufanelekileyo kutyalo-mali lwezindlu nomhlaba.

Yintoni iSizwe saNgaphandleDscr Imali-mboleko?

IMali-mboleko ye-DSCR yeSizwe yaNgaphandle yimveliso yokubambisa eyenzelwe ngokukodwa abahlali abangengabo abase-US abajonge ukuxhasa ngezimali izakhiwo zotyalo-mali zase-US. I-DSCR imele i-Debt Service Coverage Ratio, eyimetric yemali esetyenziswa ngababolekisi ukujonga ukuba ingaba ipropathi ingenisa imali eyaneleyo yokuhlawula izibophelelo zetyala (okt, iintlawulo ze-mortgage). Kwimali-mboleko esekelwe kwi-DSCR, ababolekisi bagxininisa kwingeniso yokusebenza yepropathi (NOI) kunengeniso yomntu obolekayo.

Kubemi bamazwe angaphandle, oku kuthetha ukuba inkqubo yokufaneleka kwemboleko-mali isekelwe ikakhulu kwisakhono sepropathi sokuvelisa ukuhamba kwemali, endaweni yamanqaku ekhredithi yomtyali-mali okanye imbuyekezo yerhafu yobuqu. Oku kwenza kube lula kubatyali-mali bangaphandle ukuba bafumane inkxaso-mali ngaphandle kokufuna ukuhlangabezana neemfuno zesiko lokuboleka imali e-US.

Isebenza njani iMali-mboleko ye-DSCR yeSizwe yaNgaphandle

Inkqubo yeMali-mboleko ye-DSCR yeSizwe yangaphandle isebenzisa imigaqo-siseko efanayo njengemali mboleko ye-DSCR eqhelekileyo, kodwa ngokugxininiswa okongeziweyo kubatyalo-mali bamazwe ngamazwe. Kolu hlobo lwemali mboleko, ababolekisi bavavanya amandla okuvelisa ingeniso yepropathi ngokubala i-DSCR yayo. Ukuba ingeniso yerenti yepropati okanye enye ingeniso yengeniso yanele ukugubungela inkonzo yetyala, umtyali-mali unokufaneleka ukufumana imali mboleko, kungakhathaliseki ukuba imeko yakhe yezemali.

Abemi bamazwe angaphandle abanyanzelekanga ukuba banikeze ngembuyekezo yerhafu yase-US, amaxwebhu engeniso yobuqu, okanye amanqaku ekhredithi yase-US. Endaweni yoko, imali-mboleko ivavanywa ngokusekwe kwindlela yokuhamba kwemali yepropathi, okwenza inkqubo ikhawuleze kwaye iqonde ngakumbi kubatyali-mali bamazwe ngamazwe.

Ngubani onoKuxhamla kwiMali-mboleko ye-DSCR yeSizwe yaNgaphandle?

IMali-mboleko ye-DSCR yaNgaphandle yeSizwe ifanelekile kubatyali-mali abangaphandle kwe-United States abafuna ukuthatha ithuba lentengiso yezindlu nezindlu yase-US enengeniso kodwa abafikeleli kwiimfuno eziqhelekileyo zemali-mboleko yemveli. Le nkqubo yemali-mboleko iluncedo ku:

- Abemi bamazwe angaphandle abafuna ukutyala imali kwi-US real estate: Imali mboleko ye-DSCR ilungiselelwe iimfuno zabatyali-mali bamazwe ngamazwe abangenayo imbali yekhredithi yase-US okanye ingeniso yase-US.
  
- Abatyali-mali abafuna inkxaso-mali elungelelanisiweyo: Inkqubo ye-DSCR yemali-mboleko iphelisa imfuno yokubuyisela irhafu, i-stubs yokuhlawula, okanye amanye amaxwebhu emali yobuqu, evumela abantu bangaphandle ukuba bafumane inkxaso-mali kunye namaphepha amancinci.

- Abatyali-mali bezindlu ezithengiswayo abaneepropati ezirentwayo: Abatyali-zimali abaneepropati ezirentwayo e-US banokusebenzisa ingeniso eveliswa zezi zakhiwo ukuze bafanelekele ukuxhaswa ngemali, okwenza kube lula ukufumana iipropati ezininzi kunye nokukhulisa iipotfoliyo zabo.

- Abathengi bamazwe ngamazwe bafuna inkqubo elula yokufaneleka: IMali-mboleko ye-DSCR yeSizwe yaNgaphandle ifanelekile kubatyali-mali abakhetha inkqubo elula, ekhawulezayo yokufaneleka, njengoko igxininisa ukuhamba kwemali yepropati kunokuba iinkcukacha zabo zemali.

Kutheni ukhetha iMali-mboleko ye-DSCR yeLizwe yaNgaphandle kuTyalo-mali lwezindlu ezithengiswayo?

Inkqubo yeMali-mboleko ye-DSCR yaNgaphandle yelizwe lolona khetho lubalaseleyo kubatyali-zimali abafuna ukwandisa iipotfoliyo zabo zezindlu e-US Ivumela abantu bangaphandle ukuba bangene kwimarike yezindlu yase-US echumayo ngaphandle kwamaphepha anzima kunye namaxwebhu afunekayo ngokwesiqhelo kwimali-mboleko yemveli. Eyona nzuzo iphambili yale mali mboleko kukuba isekelwe kwingeniso yepropati endaweni yengeniso yomntu, eyenza abatyali-mali bangaphandle bafanelekele ukufumana inkxaso-mali ngokulula ngakumbi.

Ukongeza, inkqubo yesicelo elungelelanisiweyo ithetha ukuba abantu bamazwe angaphandle banokuhamba ngokukhawuleza ukuze bakhusele imali kwaye bathabathe amathuba otyalo-mali ngaphandle kokulibaziseka kwiinkqubo zemboleko zemveli.

Ukuqukumbela

Inkqubo yeMali-mboleko ye-DSCR yeSizwe yaNgaphandle inika ithuba elikhethekileyo kubatyali-mali bamazwe ngamazwe ukuba baxhase ngemali utyalo-mali lwezindlu nezakhiwo zase-US ngokusekelwe ekuhambeni kwemali kwipropati. Ngaphandle kwemfuneko yembuyekezo yerhafu yase-US, amanqaku ekhredithi, okanye amaxwebhu engeniso yomntu, le nkqubo yemali-mboleko yenza lula inkqubo yesiqinisekiso, isenza kube lula kubantu bangaphandle ukuba bangene kwimarike yezindlu zase-US. Nokuba ujonge ukuthenga indawo enye yotyalo-mali okanye wandise ipotfoliyo esele ikhona, iMali-mboleko ye-DSCR yeSizwe yaNgaphandle ingakunceda ufezekise iinjongo zakho zotyalo-mali.

Ukuze ufunde ngakumbi ngeMali-mboleko ye-DSCR yeSizwe yaNgaphandle kunye nendlela enokukunceda ngayo ukhusele imali yotyalo-mali lwakho lwezindlu nomhlaba, qhagamshelana nokuBoleka kwe-AAA namhlanje.

Sitsalele umnxeba: (877) 789-8816
I-imeyile: molo@aaalendings.com
Ndwendwela: https://www.wholesaleaaalendings.com/