Kutheni ukhethe i-DSCR-UmNyango we-CES yeMali-mboleko yeePropati eziNgenabo uMnikazi

Abatyali-mali bezindlu abafuna iimali mboleko ezingengomnini banesixhobo esinamandla kwi-Closed-End Second (CES) Loan, ngakumbi xa befanelekile usebenzisa i-Debt Service Coverage Ratio (I-DSCR). Ezi mboleko zisekelwe kwingeniso yepropathi zibeka phambili ingeniso yerenti kunemali yobuqu, enikezela ukuguquguquka kokubolekisa ngemali. Nasi isizathu sokuba imali-mboleko ye-CES ilolona khetho luphezulu kwiipropathi zotyalo-mali kunye nendlela ezisebenza ngayo.

Imali-mboleko ye-CES yimali-mboleko yesibini enexesha elimiselweyo, ilungele ukuxhasa ngezimali iipropati ezihlala abantu ngaphandle kokugcina imali yobuqu. Ngokusebenzisa i-DSCR ukufaneleka, ababolekisi bavavanya ingeniso yerenti yepropati ngokuchasene netyala layo lilonke, kubandakanywa zombini iimali zokubambisa. I-Debt Service Coverage Ratio yahlula irenti yonyaka yonke ngokwezibophelelo zetyala (inqununu, inzala, iirhafu kunye ne-inshurensi). I-DSCR ye-1.2, umzekelo, ithetha ukuba ipropathi ingenisa i-20% yengeniso engaphezulu kunemfuneko, iqinisekisa ababolekisi ngemali ngokubolekisa ngemali.

Akukho nto yokuqinisekisa ingeniso yomntu yinto ebalaseleyo. Nokuba uyazisebenza okanye utsalwe kaninzi, iimali-mboleko ze-CES azifuni ntlawulo okanye iimbuyekezo zerhafu. Esi sakhiwo semali-mboleko esekwe kwingeniso yepropati sivavanya irenti yemarike okanye izivumelwano zokuqeshisa, sihlengahlengisa ukuvunywa. Kwaye, iimali-mboleko ze-CES zezamazwe angaphandle ziyafumaneka, zivumela abatyali-mali bamanye amazwe ukuba baxhase ngemali irenti yase-US. Ummi wangaphandle one-triplex ekhupha i-6,000 yeedola ngenyanga unokufaneleka kwi-Closed-End Second Loan ene-DSCR eyomeleleyo, akukho ngeniso yase-US efunekayo.

Iinketho zePiggyback ok zenza iimali-mboleko zeCES zibe nomtsalane ngakumbi. Abatyali-zimali banokubhanqa i-Closed-End-Second Loan kunye ne-mortgage yokuqala ukugubungela ukuya kuthi ga kwi-85% yexabiso lepropati, ukunciphisa iintlawulo eziphantsi. Kwipropathi yotyalo-mali eyi-$400,000, imali-mboleko yokuqala inokuhlawula i-$300,000, kunye nenkxaso-mali ye-CES yemali mboleko ye-$80,000, ishiya nje i-20,000 yeedola ngaphandle kwepokotho. Le pGcinas inkunzi yohlaziyo okanye ukufunyanwa okutsha.

Ngelixa iimali-mboleko ze-CES ezisekwe kwi-DSCR zibonelela ngenzuzo, zithwala inzala ephezulu kunemali mboleko yokuqala, kwaye ababolekisi banokukhawulela i-CLTV ukulawula umngcipheko. Abatyali-zimali kufuneka bagcine ukusebenza kwemali mboleko eyomeleleyo engengomnini-mnini, njengoko izithuba zinokuthoba i-DSCR. Ukukhetha iirenti ezifunwa kakhulu kunciphisa oku, kuqinisekisa impumelelo yokubolekisa ngemali. Ngaphandle kokuqinisekiswa kwengeniso yomntu kunye nofikelelo olufumanekayo lwelizwe langaphandle, i-Closed-End Second Second Loans ixhobisa abatyali-mali ukuba bakhule ngobuchule.