Imikhiqizo
Uhlolojikelele lwe-DSCR
Uyazi ukuthi ungayifanelekela kanjani imali mboleko yendlu ngaphandle kolwazi lomsebenzi kanye neholo?
Awufaneleki yini ngezimali mboleko ezijwayelekile ze-mortgage?
Uyazi ukuthi yiluphi uhlelo lwemalimboleko oluwumkhiqizo olula?
Uyafuna ukwazi ukuthi ungawasebenzisa kanjani amadokhumenti ancishisiwe ukuze ufanelekele ukubolekwa imali?
Ingabe kunzima kakhulu kuwe ukuthola imali mboleko yezindlu embonini yakho?
Sinikezela ngohlelo lwemalimboleko oluphelele ukuze sanelise izici ezibalulekile ezingenhla - uhlelo lwe-DSCR. Ingumkhiqizo odume kakhulu we-Non-QM emalini ebolekiwe yezindlu.
I-DSCR (Debt Service Coverage Ratio) yakhelwe abatshalizimali abanolwazi lwezindlu ezithengiswayo futhi ifanelekela ababolekayo ngokusekelwe ekugelezeni kwemali kuphela okuvela endaweni okuxoxwa ngayo ukuze kuhlaziywe izinga lengozi yokutshalwa kwezimali. Namuhla, sigxile ekuqondeni incazelo ye-DSCR kanye nokwembula impicabadala yohlelo lwe-DSCR ngokombono wokutshalwa kwezimali kwezindlu.
Linganisa:CHOFOZA LAPHA
Amaphuzu avelele wohlelo lwe-DSCR
Ubukhulu. I-LTV
80%
Ubukhulu. Imali Ebolekiwe
$2M
Okuncane. I-FICO
660
♦ Iholo Lokuqasha Lifanelekile
♦ Izwe Langaphandle Livunyelwe
♦ Umtshali-zimali Wokuqala Wamukelekile
♦ Vumela Ukuvala Ngaphansi kwe-LLC
♦ Izimali Zesipho Zivunyelwe
♦ Ukudluliswa Kwezilinganiso Kuyamukeleka
♦ Kuyafaneleka Ukuqashwa Kwesikhathi Esifushane
♦ ITIN (Min DSCR 1.0)
Sicela ushayele intengo:
• I-FICO 620-659
• Ukukhokha sekwephuzile kwezindlu
• Ukuqashwa kwesikhashana
• Loan amt > $2.0 million
• I-LTV Yezwe Langaphandle>70% noma i-ITIN LTV>75%
• Impahla yasemakhaya
Ungabala kanjani i-DSCR?
Ngemali mboleko yezindlu, i-DSCR ibhekisela esilinganisweni semali engenayo yenyanga yokuqasha yendawo yokutshala izimali ezindlekweni eziphelele zezindlu. Lezi zindleko zingabandakanya uthishanhloko, inzalo, intela yendawo, umshwalense, kanye nezimali ze-HOA. Noma yiziphi izindleko ezingakenziwanga zizorekhodwa zingu-0. Uma isilinganiso siphansi, ingozi enkulu yemalimboleko iba nkulu. Ingavezwa kulokhu okulandelayo:
Sinikeza "Ayikho isilinganiso se-DSCR" kumakhasimende ethu, okusho ukuthi isilinganiso singahle sibe "ku-0". Emikhiqizweni yethu evamile yemalimboleko, sidinga ukuqhathanisa imali engenayo yababoleki ne-PITI yanyanga zonke (Uthishanhloko, Inzalo, Izintela, Umshwalense) kanye nanoma yiziphi izinkokhelo ze-HOA nezinye izikweletu zesakhiwo esibanjiswayo ukuze sinqume ukuthi imali mboleko iyafaneleka yini.
Izinzuzo ze-DSCR
Ayikho isilinganiso I-DSCR ingumkhiqizo wemalimboleko ongaqinisekisi noma ongadingi iholo lomboleki ngoba akubandakanyi ukubala kwe-DTI (Debt-To-Income Ratio). Okubalulekile, ubuncane be-DSCR (Debt Service Coverage Ratio) bungaba buncane obungu-0. Ngisho noma imali yokuqasha iphansi, singakwazi ukukwenza! Lokhu ukukhetha okuhle kubaboleki abanemali engenayo ephansi noma izikweletu eziningi.Lokhu kuyenza ibe inketho esebenzayo ngisho nakulabo abanemali ephansi yokuqasha, okwenza kube ukukhetha okuhle kubaboleki abanemali engenayo ephansi noma izikweletu eziphezulu.
Ngaphezu kwalokho, lolu hlelo luvulekele nakwamanye amazwe, ikakhulukazi labo abanama-visa e-F1. Uma ungowakwelinye izwe futhi ungakwazi ukufaneleka ukuthola imali ebolekiwe yendlunkulu, sicela usithinte ukuze uxoxe ngesimo sakho semalimboleko.
I-DSCR Flyer
