Ukubolekwa Kwe-CES Isebenzisa Kanjani I-DSCR Ukuze Ngezimali Zezakhiwo Zotshalomali

Kubatshalizimali bezindlu ezithengiswayo, Imalimboleko Yesibili Evaliwe (CES) inikeza indlela eyingqayizivele yokuxhasa ngezimali izakhiwo okungebona abanikazi ngaphandle kokuthembela emalini engenayo yomuntu siqu. Ngokusebenzisa i-Debt Service Coverage Ratio (I-DSCR) ukuze ufaneleke, lezi zimali mboleko ezisekelwe emalini etholwayo zigxila ekungeneni kwemali eqashisayo, okuzenza zibe zilungele ukukala amaphothifoliyo. Ake sihlole ukuthi imali mboleko ye-CES isebenza kanjani ekubolekeni okusekelwe ekugelezeni kwemali nokuthi kungani ishintsha umdlalo.

Imali mboleko ye-CES iyimali ebolekiwe yesibili yesikhathi esinqunyiwe engavumeli ukudonswa okwengeziwe, okuvame ukusetshenziswa eceleni kwemali mboleko eyinhloko yemalimboleko okungeyena umnikazi. Ngokungafani nempahla ebolekiwe yesibili evamile, engadinga ubufakazi bemali engenayo yomuntu siqu, Imali Ebolekiwe Yesibili Evaliwe yezindawo zokutshala imali yenza i-DSCR ihlole ukufaneleka. I-Debt Service Coverage Ratio ikala imali engenayo yonyaka yokuqashisa yesakhiwo ngokumelene nezibopho zayo zesikweletu, okuhlanganisa kokubili izinkokhelo zempahla yendlu yokuqala neyesibili (eyinhloko, inzalo, izintela, umshwalense, nezinkokhelo ze-HOA). I-DSCR engu-1.0 noma ngaphezulu ikhombisa imali engenayo yendawo emboza izikweletu zayo, ababolekisi ngokuvamile bancamela u-1.25 ekubolekweni okusekelwe ekugelezeni kwemali.

Le ndlela yokuqinisekisa ukuthi ayikho imali yomuntu siqu idonsa kanzima. Abatshalizimali abawadingi ama-W-2 noma amafomu entela; esikhundleni salokho, ababolekisi bahlola amandla okuqasha indawo, okwenza imalimboleko ye-CES ifinyeleleke kulabo abanezimali eziyinkimbinkimbi. Ziyatholakala futhi nakwamanye amazwe, okuvumela abatshalizimali bamazwe ngamazwe ukuthi bangene ezindlini zase-US ngaphandle kwamarekhodi emali engenayo yendawo. Isibonelo, umuntu wangaphandle angathola imali mboleko ye-CES esakhiweni esiqashisayo esikhiqiza u-$4,000 nyanga zonke nge-DSCR engu-1.3, edlula izithiyo zokuthola imali yomuntu siqu.

Izakhiwo ezilungile ze-Piggyback zithuthukisa ukuguquguquka. Imali Ebolekiwe Yesibili Evaliwe ingamboza izinkokhelo eziphansi noma ukulungiswa kabusha, okubhangqwe nempahla ebolekiwe yokuqala ukuze kwehliswe izindleko zangaphambili. Ake ucabange umtshali-zimali eqondise ku-$500,000 indawo eqashisayo: imali ebolekiwe yokuqala ihlanganisa u-75% ($375,000), futhi imali mboleko ye-CES ixhasa u-20% osele ($100,000), kusale ukheshi u-5%. Lokhu pGcinas imali yokutshala izimali ezengeziwe.

Kodwa-ke, imali mboleko ye-CES esekwe ku-DSCR iza nemihume. Izinga lenzalo emalini ebolekiwe yesibili ivamise ukuba phezulu, futhi izilinganiso ezihlanganisiwe zemalimboleko-kuya-value (CLTV) zingafinyelela ku-75-85%. Izikhala noma amashifu emakethe nawo angathinta imali mboleko esekelwe kwimali engenayo, ngakho abatshalizimali kufanele baqinisekise isidingo esinamandla sokuqasha. Ngaphandle kwalezi zici, imalimboleko okungebona abanikazi njengemalimboleko ye-CES inikeza amathuba angenakuqhathaniswa okukhula kwephothifoliyo, ikakhulukazi ngaphandle kokuqinisekiswa kwemali engenayo yomuntu siqu kanye nezinketho ezitholakalayo zezwe langaphandle ezitholakalayo.