12/04/2023

Sanibonani bathandi bebhizinisi esikanye nabo!Namuhla, ake singene esihlokweni esivusa amadlingozi njengoba sibalulekile emhlabeni wezezimali:I-Debt-Service Coverage Ratio (DSCR).Cabangela lesi silandeleli sakho sokufaneleka, kodwa esikhundleni sokubala izinyathelo noma ukuqapha ukushaya kwenhliziyo, sikala ukushaya kwenhliziyo kwezezimali kwebhizinisi lakho.Ngakho-ke, bopha amateku akho, futhi asiqale lolu hambo olunika amandla emhlabeni we-DSCR.

Ukuqala i-DSCR Adventure

Zicabange uthatha uhambo ezweni lezezimali zebhizinisi.Lapha, iI-DSCRisilinganiso simi njengendlu yesibani ephakeme kakhulu, eqondisa imikhumbi (amabhizinisi) ngokuphepha phakathi nenkungu yokungaqiniseki kwezezimali.Akuyona nje imethrikhi;kuwuphawu lokucaca olwandle oluyinkimbinkimbi lwezezimali zebhizinisi.

Iresiphi ye-DSCR: Inhlanganisela Elula Yezinombolo
Emqondweni wayo, i-I-DSCRifomula ilula kahle, nokho inemithelela ejulile:

DSCR=Imali Engenayo Yokusebenza Ephelele/Isamba Senkonzo Yesikweletu

Cabanga Ngenzuzo Ephelele Yokusebenza njengenzuzo yebhizinisi lakho yansuku zonke, ukhiphe izindleko zokusebenza, kodwa ngaphambi kokuba kuqale ubunzima benzalo nezintela. I-Total Debt Service ifana nesamba sebhili ibhizinisi lakho elidinga ukukhokhela izikweletu zalo - kokubili uthishomkhulu kanye nentshisekelo.Konke kumayelana nokuhlola ukuthi iholo lakho lebhizinisi linamandla ngokwanele yini ukuphakamisa izisindo zezikweletu zalo.

Ukubaluleka kwe-DSCR: Kungani Kuyimali Enkulu
Ukuhlolwa kwe-Litmus ye-Lending: Kubabolekisi, okuqinileI-DSCRamaphuzu kufana nokuthola igolide.Ibaqinisekisa ukuthi ibhizinisi lakho alikwazi nje ukuhlanganisa izikweletu zalo kodwa futhi likwenze kalula nangomusa.
Irada yabatshalizimali: Kubatshalizimali, isilinganiso esiqinile se-DSCR siphawula ibhizinisi elingagcini nje ngokusinda, kodwa elichumayo.Kufana nozibuthe oheha abatshalizimali abangaba khona.
Ikhampasi Yamasu Yamabhizinisi: Kumatilosi ebhizinisi anobuhlakani, i-DSCR isebenza njengekhampasi yamasu.Iqondisa izinqumo zokuthi kwandiswe, kunkontileka, noma kugcinwe inkambo.I-North Star yezezimali esiza amabhizinisi ukuthi ahlale endleleni eya empumelelweni.

I-DSCR Emhlabeni Wangempela: Umfanekiso Ongokoqobo
Ake sipende isithombe: Ake ucabange ngesiqalo sobuchwepheshe esinemali engenayo yokusebenza engu-$500,000 kanye nesevisi yesikweletu engu-$250,000.Nciphisa lezo zinombolo, bese uthola i-DSCR engu-2.0.Ngokwabantu abavamile, lokhu kuqalisa kuthola imali ephindwe kabili kunaleyo edinga ukukhokhela izikweletu zayo.Lokho kuyizinga eliphezulu lezezimali!

Ubuso Obubili be-DSCR: Izinzuzo Nezingozi

• Okuhle:

1. Umshini wesikhathi wezempilo yezezimali: I-DSCR ikusiza ukuthi ulandelele ukusebenza kwezimali ngezikhathi ezithile.
2. Iyadi yendawo yonke: Ilungele ukulinganisa ngokumelene nontanga bemboni.
3. Isithombe esigcwele sezezimali: I-DSCR ihlanganisa zonke izici zezikweletu, inikeza ukuhlolwa kwezempilo okuphelele.

• Ububi:

1. Izindawo ezingaba yizimpumputhe: Kungase kunganaki izici ezithile njengezindleko zentela.
2. Okuyinkimbinkimbi kancane: Akusona isilinganiso esilula kubhulokhi.
3. Akukho okulingana konke: Ababolekisi abahlukene bangase babe namabhentshimakhi e-DSCR ahlukene.

Ukuthonya Umgqugquzeli: Izinto Ezithinta I-DSCR
EyakhoI-DSCRingathonywa yizinto ezihlukahlukene, kusukela ekusebenzeni ngempumelelo kwebhizinisi lakho kuya ekushintsheni kumazinga enzalo emakethe.Kufana ne-ecosystem yezezimali lapho izici ezihlukahlukene zisebenzisana khona ukuze kunqunywe ikhono lenkampani yakho lokusingatha izikweletu zayo.

Ukusonga: Ukuzulazula Olwandle Lwezezimali nge-DSCR
Ukuqonda nokusebenzisa amandlaI-DSCRisilinganiso sifana nokuba nomqeqeshi womuntu siqu ngokufaneleka kwezezimali zebhizinisi lakho.Kuyithuluzi elingasizi nje kuphela ekubhekaneni nezivunguvungu zezimali kodwa nasekuhambeni libheke ekusaseni lokukhula nokuchuma.Kungakhathaliseki ukuthi uhola inkampani enkulu noma uqhuba ibhizinisi elincane, ukubhekisisa i-DSCR yakho kungakuqondisa ekuzinzeni nasekuphumeleleni kwezezimali.

Ngakho-ke, usunakho - ukuhlola okujabulisayo kwe-I-DSCRisilinganiso.Kungaphezu kwemethrikhi yezezimali nje;kuwukulandisa komnotho webhizinisi lakho, indaba ongayiqondisa empumelelweni.Gcina leli thuluzi kunqolobane yakho, futhi ubuke ibhizinisi lakho lizulazula ngokuzethemba libheke ekusaseni elichumayo.Nakhu ukushelela ohambweni lwakho lwebhizinisi!

Ividiyo:Ukuqopha Isilinganiso se-DSCR: I-Financial Fitness Tracker

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.