Ukuhlola Amayunithi e-DSCR 5-9 kanye Nemalimboleko Okungeyona ye-QM yabatshali bezindlu

Ukuzulazula emhlabeni wezindlu ezithengiswayoutshalomalikungaba yinkimbinkimbi, ikakhulukazi uma kuziwa ekutholeni uxhaso lwezimali. Amagama amabili abalulekile abatshalizimali okufanele bawajwayele amayunithi e-DSCR 5-9 kanye nezimali mboleko ezingezona ze-QM. Ukuqonda le mibono kungakusiza wenze izinqumo ezinolwazi futhi ukhulise izinzuzo zakho zokutshalwa kwezimali.

Iyini i-DSCR?

I-Debt Service Coverage Ratio (DSCR) iyimethrikhi eyinhloko esetshenziswa ababolekisi ukuhlola ikhono lendawo ekhiqiza imali engenayo ukumboza izibopho zayo zezikweletu. Ezindaweni ezinamayunithi angu-5-9, i-DSCR ibalwa ngokuhlukanisa imali engenayo yokusebenza yendawo (NOI) ngesamba sesevisi yesikweletu sayo. I-DSCR ephakeme ikhombisa ikhono elinamandla lokuhlangabezana nezinkokhelo zezikweletu, okwenza indawo ikhange kakhulu kubabolekisi.

Izinzuzo zeI-DSCR 5-9 Amayunithi

1. Amathuba Athuthukisiwe Okuvunyelwa Kwemalimboleko: Izakhiwo ezine-DSCR eqinile, ikakhulukazi lezo ezinamayunithi angu-5-9, zinamathuba amaningi okuthola imigomo evumayo yemalimboleko. Ababolekisi babheka lezi zakhiwo njengengcuphe ephansi, engaholela ezilinganisweni zenzalo eziqhudelanayo nezimo ezingcono zemalimboleko.

2. Ukwenyuka Kwemali Egelezayo: I-DSCR ephezulu isho ukuthi indawo yenza imali engenayo eningi kunaleyo edingekayo ukuze kukhokhelwe izinkokhelo zezikweletu, ihlinzeke abatshalizimali ngomcamelo wezindleko ezingalindelekile kanye nenzuzo engaba khona.

Ukuqonda Izimalimboleko ezingezona ze-QM

Izimali mboleko ezingezona ze-QM (Non-Qualified Mortgage) zenzelwe ababoleki abangahlangabezani nezimfuneko eziqinile zezikweletu zendabuko ze-Qualified Mortgage (QM). Lezi zimali mboleko ziwusizo ikakhulukazi kubatshalizimali bezindlu ezithengiswayo, abantu abazisebenzayo, nalabo abanemifudlana yemali engenayo engavamile.

Izinzuzo Zemalimboleko Ye-Non-QM

1. I-Flexible Underwriting: Izimalimboleko okungezona ze-QM zinikeza imibandela yokubhala ngaphansi evumelana nezimo, evumela abatshalizimali ukuthi bafaneleke ngokusekelwe kwamanye amadokhumenti, njengezitatimende zasebhange noma ukuqinisekiswa kwempahla, kunokuqinisekiswa kwemali engenayo okujwayelekile.

2. Imikhawulo Ephakeme Yemalimboleko: Izimali mboleko ezingezona ze-QM zivame ukuza nemikhawulo ephezulu yemalimboleko, ezenza zilungele ukuthenga noma ukubuyisela kabusha izakhiwo ezinamayunithi angu-5-9. Lokhu kuvumelana nezimo kungaba semqoka kubatshalizimali abafuna ukwandisa amaphothifoliyo abo.

Ukuhlanganisa Amayunithi e-DSCR 5-9 Nemali Ebolekiwe Okungeyona ye-QM

Kubatshalizimali bezindlu ezithengiswayo, ukuhlanganisa izinzuzo zamayunithi e-DSCR 5-9 nokuvumelana nezimo kwezimali mboleko ze-Non-QM kungaba isu elinamandla. Ngokugxila ezakhiweni ezinama-DSCR aqinile, abatshalizimali bangathuthukisa amathuba abo okugunyaza imalimboleko futhi bavikele imigomo engcono. Khonamanjalo, ukubhalwa phansi okuguquguqukayo kwezimali mboleko ze-Non-QM kuqinisekisa ukuthi nalabo abanemithombo yemali engeyona eyendabuko bangakwazi ukufinyelela uxhaso lwezimali oludingayo.

Isiphetho

Ukuqonda izinto eziyinkimbinkimbi zamayunithi e-DSCR 5-9 kanye nezimali mboleko ezingezona ze-QM kubalulekile kubatshalizimali bezindlu ezithengiswayo abafuna ukuthuthukisa amasu abo okuthola imali. Ngokusebenzisa la mathuluzi, abatshalizimali bangakwazi ukuvikela imigomo evumayo yokubolekwa imali, bathuthukise ukuhamba kwemali, futhi ekugcineni bathole impumelelo enkulu emabhizinisini abo okuthengisa izindlu. Kungakhathaliseki ukuthi ungumtshali-zimali ongumakadebona noma usaqala, ukucabangela lezi zici kungenza umehluko omkhulu emiphumeleni yakho yokutshala imali.

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.