Amaqhinga Athuthukile Okusebenzisa Imalimboleko Ye-DSCR-Qualified CES Ukukala Ukutshalwa Kwezimali

Kubatshalizimali abanolwazi lwezindlu ezithengiswayo, Izikweletu Ezivaliwe Zokuphela Kwesibili (CES) zifaneleka nge-Debt Service Coverage Ratio (I-DSCR) ayithuluzi lesu lokukala izakhiwo okungebona abanikazi. Lezi zimali mboleko ezisekelwe emalini zisebenzisa imali eqashisayo, zidlula amasheke emali engenayo yomuntu siqu ngokubolekwa kwemali okusekelwe ekugelezeni kwemali. Ake singene kumaqhinga athuthukile ukuze sisebenzise imali mboleko ye-CES ukuze kukhule iphothifoliyo.

Imali mboleko ye-CES iyimalimboleko yesikhathi esimisiwe eyenzelwe imali mboleko okungeyena umnikazi, eneziqu ezisekelwe ku-DSCR. I-Debt Service Coverage Ratio iqhathanisa imali engenayo yokuqashisa yendawo nesikweletu sayo, okuhlanganisa izinkokhelo zokuqala nezesibili ze-mortgage. I-DSCR ka-1.25 ikhombisa ukuhamba kwemali okuqinile, abatshalizimali abafanelekile ukuze bathole i-Closed-End Second Second Loans ngaphandle kokuqinisekiswa kwemali engenayo yomuntu siqu. Le ndlela yokuboleka esekelwe ekugelezeni kwemali ivumela abatshalizimali ukuthi bagxile ekusebenzeni kwezakhiwo, hhayi ezezimali zomuntu siqu.

Iqhinga elilodwa ukusebenzisa izakhiwo ze-piggyback ok ukwandisa amandla. Ukumatanisa imali ebolekiwe ye-CES ne-mortgage yokuqala kungaxhasa ngemali efika ku-85% yenani lesakhiwo, kunciphise izindleko zangaphambili. Ngokuqashwa kuka-$600,000, imali ebolekiwe yokuqala engu-$450,000 kanye neMali mboleko Yesibili Evaliwe engu-$90,000 kushiya u-$60,000 nje phansi, okukhulula imali eningi ukuze uthole amanye amadili. Elinye isu ukuxhasa ngezimali ukulungiswa kwemali mboleko ye-CES ukuze kukhuliswe amarenti, kukhushulwe i-DSCR ukuze uthole uxhaso lwesikhathi esizayo.

Izinketho ezitholakalayo zezwe langaphandle zivula iminyango kubatshalizimali bomhlaba. Umuntu wangaphandle angasebenzisa imali ebolekiwe ye-CES ukuxhasa ngezimali indawo yase-US eyimindeni eminingi nge-DSCR engu-1.4, ethembele emalini eqashisayo kuphela. Le modeli yokuqinisekisa ukuthi ayikho imali yomuntu siqu yenza kube lula ukutshala imali emngceleni, njengoba ababolekisi bebeka phambili imali mboleko esekelwe kwimali engenayo ngaphezu kobufakazi bemali engenayo yendawo.

Abatshalizimali abathuthukile bangasebenzisa futhi imali mboleko ye-CES ukuze bakhiphe imali. Ngokuthepha ukulingana ekuqashisweni okusebenza kahle kakhulu, Imalimboleko Yesibili Evaliwe ingaxhasa ukuthenga okusha ngaphandle kokuphazamisa izikweletu zokuqala ezinezinga eliphansi. Isibonelo, imali mboleko ye-CES engu-$200,000 esakhiweni esizinzile ingase ixhase ukuqashwa kwesibili, ikhulise amaphothifoliyo okungewona abanikazi bemalimboleko.

Izingozi zihlanganisa amanani emalimboleko e-CES aphezulu kanye namadiphu e-DSCR angaba khona ezikhaleni, ngakho abatshalizimali kufanele baqonde izimakethe eziqashisayo. Ababolekisi bangase futhi balinganise amanani emalimboleko (isb, $500,000) noma i-CLTV ku-75%. Noma kunjalo, ngokuguquguquka okulungile kwe-piggyback kanye nokufinyelela okutholakalayo kwezwe langaphandle, I-DSCR-qualified Closed-End Second Second Loans iwumthombo wamandla wokukhulisa imali ngokuboleka imali.