11/30/2023

Ukudalula Isimo Sezezimali Se-DSCR Sokubolekwa Kwezindlu

Lapho ungena emkhakheni wezezimali ezithengiswayo, igama elithi DSCR (Debt Service Coverage Ratio) Mortgage Financial lingase livele, futhi ukuqonda ubunkimbinkimbi bayo kungavula indlela yezinqumo ezinolwazi lwezezimali.Kulo mhlahlandlela obanzi, sizongena emhlabeni wezindlu ezibolekwayo ze-DSCR, siqophe ukubaluleka kwazo, izinzuzo, nokucatshangelwa kwalabo abazulazula endaweni eyinkimbinkimbi yoxhaso lwezindlu nemizi.

Ukuchaza i-DSCR Mortgage Financial

I-DSCR Mortgage Financial ibhekisela ohlotsheni olukhethekile lwe-mortgage egcizelela I-Debt Service Coverage Ratio, i-metric eyinhloko yezezimali esetshenziswa ababolekisi ukuhlola ikhono lomboleki lokukhokha izinkokhelo ezihlobene nesikweletu.Ngokungafani nezindlu ezibolekiwe ezivamile, izikweletu ze-DSCR zibeka phambili lesi silinganiso, zinikeza indlela eguquguqukayo yokuhlola umthamo wezezimali womboleki.

Izingxenye ze-DSCR

1. Isamba Semali Engenayo Yokusebenza (NOI):
   • Incazelo: Isamba semali engenayo ekhiqizwa isakhiwo kususwa izindleko zokusebenza.
   • Ukubaluleka: I-NOI ephakeme inomthelela omuhle ku-DSCR, ikhombisa inzuzo yendawo.
2. Isevisi Yesikweletu:
   • Incazelo: Isamba senani lezinkokhelo eziyinhloko kanye nenzalo yemali mboleko.
   • Ukubaluleka: I-DSCR ilinganisa ikhono lesakhiwo lokumboza izibopho zayo zezikweletu.
3. I-Debt Service Coverage Ratio (DSCR):
   • Ukubala: I-DSCR ibalwa ngokuhlukanisa i-NOI yendawo ngesevisi yayo yesikweletu.
   • Ukubaluleka: Isilinganiso esingaphezu koku-1 sibonisa ukuthi indawo ikhiqiza imali eyanele ukumboza izibopho zayo zezikweletu.

Izinzuzo ze-DSCR Mortgage Financial

1. Ukunciphisa Ubungozi:
   • Inzuzo: I-DSCR ibeka kuqala ukuhlolwa kwengcuphe, inikeze ababolekisi ngesithombe esicacile sekhono lomboleki lokuhlangabezana nezibopho zezimali.
2. Izixazululo Ezihlanganisiwe:
   • Inzuzo: Izimali ezibolekwayo ze-DSCR zingenziwa ngendlela efanele ukuze zivumelane nezinhlobo ezahlukene zezakhiwo nezakhiwo zezezimali, zinikeze ukuguquguquka kokutshalwa kwezimali kwezakhiwo ezihlukahlukene.
3. Amathuba Otshalomali:
   • Inzuzo: Abatshalizimali bangasebenzisa izikweletu ze-DSCR ukuze baxhase ngezimali izakhiwo okungenzeka zingahlangabezani nenqubo evamile yokuxhasa ngezimali, okukhuthaza amathuba okutshala imali.

Ukucatshangelwa Kwababoleki

1. Ukuqonda i-DSCR:
   • Okutuswayo: Ababoleki kufanele babe nokuqonda okucacile komqondo we-DSCR nokuthi ukuthonya kanjani ukugunyazwa kwemboleko kanye nemibandela.
2. Amadokhumenti Ezezimali:
   • Isincomo: Amadokhumenti ezezimali aqinile, okuhlanganisa nemibiko enemininingwane yemali engenayo nezindleko, abalulekile ekutholeni imali ebolekwayo ye-DSCR.
3. Ukuhlolwa Kwezakhiwo:
   • Okutuswayo: Ababolekisi bahlola kokubili ukusebenza kwezimali kwendawo kanye namandla ayo okukhula kwemali engenayo esikhathini esizayo, okunomthelela ekubalweni kwe-DSCR.
4. Izilinganiso Zenzuzo Nemigomo:
   • Okutuswayo: Ababoleki kufanele babuyekeze ngokucophelela izilinganiso zenzalo nemibandela ehlotshaniswa nezikweletu ze-DSCR, baqinisekise ukuhambisana nemigomo yabo yezezimali.

Ukuzulazula ku-DSCR Mortgage Process

1. Ukubonisana nababolekisi:
   • Isiqondiso: Zibandakanye ekuxoxisaneni okuningiliziwe nababolekisi abanolwazi lwezikweletu ze-DSCR ukuze uthole imininingwane mayelana nemibandela yokufaneleka kanye nemibandela engaba khona.
2. Iseluleko Sochwepheshe:
   • Isiqondiso: Cela izeluleko kubaluleki bezezimali noma ochwepheshe bezindlu abanolwazi olunzulu ngezimali ze-DSCR ukuze wenze izinqumo ezinolwazi ezihambisana nesu lakho lokutshala imali.
3. Amasu okunciphisa ubungozi:
   • Isiqondiso: Thuthukisa amasu okunciphisa ubungozi obuhlobene ne-DSCR, okuhlanganisa nezimo eziphuthumayo zokushintshashintsha kwemali okungaba khona.

Isiphetho: Ukunika amandla Impumelelo Yezezimali

I-DSCR Mortgage Financial yethula indlela enamasu nencane kakhulu yokuxhasa ngezimali izindlu, igcizelela indima ebalulekile ye-Debt Service Coverage Ratio.Kubaboleki abafuna izixazululo ezihambisanayo, ukunciphisa ubungozi, namathuba ahlukahlukene okutshalwa kwezimali, ukuqonda nokuzulazula ngesimo se-DSCR se-mortgage kungaba ukhiye ekuvuleni impumelelo yezezimali.Njenganoma yimuphi umzamo wezezimali, ukwenza izinqumo unolwazi, ucwaningo olunzulu, kanye nesiqondiso sochwepheshe kubalulekile ekuzuzeni izinzuzo ze-DSCR ngokuphumelelayo.Ngakho-ke, kungakhathaliseki ukuthi ungumtshali-zimali ongumakadebona noma ungumuntu oqalayo ukuthenga umuzi, cabangela amandla anikeza amandla e-DSCR Mortgage Financial ekufezeni izifiso zakho zendawo nezezimali.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.