Ukubolekwa Kwezimali Okusekelwe Ukugeleza Kwemali yakwa-DSCR Kubanika Amandla Abatshali Bezindlu

Ukutshalwa kwezimali kwezindawo ezithengiswayo kungaba ibhizinisi elinenzuzo emangalisayo, kodwa ukuthola uxhaso lwezakhiwo zokutshalwa kwezimali kuvame ukuletha izinselele ezinkulu. Izimali mboleko zendabuko ngokuvamile zidinga ukuqinisekiswa okuqinile kwemali engenayo yomuntu siqu, umlando wesikweletu, kanye nembuyiselo yentela—izithiyo abatshalizimali abaningi ababhekana nazo. Faka iI-DSCR(I-Debt Service Coverage Ratio) Imalimboleko Esekelwe Ukugeleza Kwemali. Le nketho yoxhaso olusha igxile emalini engenayo ekhiqizwa isakhiwo ngokwaso kunezimali zomuntu siqu zomboleki, okuyenza ibe yisixazululo esihle kubatshalizimali abafuna ukukhulisa ukuhamba kwabo kwemali nokwenza lula inqubo yokugunyaza.

Iyini i-DSCR Cash Flow-Based Loan?

I-DSCR Cash-Based-Based Loan ingumkhiqizo we-mortgage ohlola impilo yezezimali yendawo yokutshala imali ngokusekelwe ekungeneni kwemali yayo esikhundleni semali engenayo yomuntu siqu noma isikolo somboleki. Imethrikhi eyinhloko esetshenziswa kulolu hlobo lwemalimboleko yi-Debt Service Coverage Ratio (DSCR), okuyisilinganiso semali engenayo yokusebenza yendawo (NOI) nezibopho zayo zesikweletu, njengezinkokhelo zenyanga zonke ze-mortgage.

Isibonelo, uma indawo ikhiqiza u-$4,000 emalini eqashiwe ngenyanga futhi inkokhelo yemali mboleko ingu-$3,000, i-DSCR izoba ngu-1.33 ($4,000 ÷ $3,000). I-DSCR ka-1.0 ikhombisa ukuthi isakhiwo senza imali eyanele ukukhokhela isikweletu saso, kanti noma yini engaphezu kuka-1.0 isho ukuthi indawo ikhiqiza imali eningi kunaleyo edingekayo ukuze kukhokhelwe isikweletu.

I-DSCR Cash Flow-Based Loan isebenzisa lesi silinganiso ukuze inqume ukuthi indawo iyasebenza yini ngokwezimali futhi iyakwazi ukusekela imali ebolekiwe, okuvumela abatshalizimali ukuthi bafaneleke ngokusekelwe emalini engenayo yendawo esikhundleni seziqu zezezimali zomuntu siqu.

Kungani Khetha Imalimboleko Esekelwe Ukugeleza Kwemali ye-DSCR?

1. Inqubo Yokufaneleka Eyenziwe Lula: Izimali mboleko zendabuko ngokuvamile zidinga imibhalo ebanzi njengezimbuyiselo zentela, ukuqinisekiswa kwemali engenayo, nemibiko yezikweletu. Imali mboleko ye-DSCR iqeda lezi zidingo, okwenza kube lula futhi kusheshe kubatshali bezindlu ukuthi baqinisekise uxhaso lwezimali.

2. Ilungele Abatshali Bezindlu: Imali ebolekiwe ye-DSCR yakhelwe ngokukhethekile izakhiwo zokutshalwa kwezimali, okuyenza ifaneleke kubantu abathengayo, abaxhasa ngezimali kabusha, noma abandisa iphothifoliyo yabo yezindlu ezithengiswayo. Abatshalizimali bangakwazi ukusebenzisa imali ephuma ezindaweni zabo ukuze bafanelekele ukuxhaswa ngezimali, ngisho noma bengenayo imithombo yemali engenayo evamile.

3. Akukho Ukuqinisekiswa Kwemali Engenayo Yomuntu Siqu: Njengoba kugxilwe emalini engenayo yendawo, imalimboleko ye-DSCR ayidingi ukubuyiselwa kwentela yomuntu siqu noma imibhalo yemali engenayo. Lokhu kuzuzisa kakhuluqashiweabantu noma abatshalizimali abanemali engenayo engajwayelekile.

4. Ukugeleza Kwemali Kugxilile: Ngemali ebolekiwe ye-DSCR, ikhono lesakhiwo lokukhiqiza ukugeleza kwemali okuhle libaluleke kakhulu. Lokhu kusho ukuthi abatshalizimali bangagxila ezimpahleni ezikwazi ukuziphilisa ngokwezimali kanye nokugeleza kwemali okuhle, ngaphandle kwengcindezi eyengeziwe yokuhlangabezana nezidingo eziqinile zezezimali zomuntu siqu.

5. Ukugunyazwa Okusheshayo Nenqubo Elula: Ngenxa yokuthi imalimboleko ye-DSCR isekelwe ekusebenzeni kwezimali kwendawo, inqubo yokugunyaza iyashesha futhi ayinzima kangako. Abatshalizimali bangafinyelela izimali ngokushesha, okubenza bakwazi ukusebenzisa amathuba okutshala imali azwela isikhathi.

I-DSCR Ibazuzisa Kanjani Abathengi Bempahla Yokubolekwa Kwemali Ebolekiwe?

I-DSCR Cash-Based-Based Loan inikeza izinzuzo ezimbalwa ezibalulekile eziyenza ibe inketho ekhangayo kulabo abafuna ukutshala izimali ezithengiswayo:

- Sebenzisa Imali Engenayo Yezakhiwo Ukuze Uxhaswe Ngezimali: Ngemalimboleko ye-DSCR, abatshalizimali bangasebenzisa imali yokuqasha noma imali engenayo etholwa indawo ukuze bathole uxhaso lwezimali, okubavumela ukuthi batshale ezakhiweni esezivele zikhiqiza ukuhamba kwemali.
  
- Nweba Iphothifoliyo Yakho Yezindlu Ezithengiswayo: Ikhono lokufaneleka ngokusekelwe emalini engenayo yendawo lisho ukuthi abatshalizimali bangathola izakhiwo eziningi ngaphandle kokuvinjelwa izimfuneko zezezimali zomuntu siqu. Lokhu kuvula ithuba lokukhulisa iphothifoliyo ngokushesha.

- Kukhanga Abatshalizimali Abanezakhiwo Eziningi: Abatshalizimali bezindlu ezithengiswayo asebevele bengabanikazi bezakhiwo eziningi bangasebenzisa imali engenayo etholakala ezindaweni zabo ezikhona ukuze bafanelekele ukuxhaswa ngezimali okwengeziwe, bathuthukise iphothifoliyo yabo.

- Ilungele Abatshalizimali Abaziqashile: Imali mboleko ye-DSCR inenzuzo ikakhulukazi kubantu abazisebenzayo noma abanikazi bamabhizinisi okungenzeka babe nemithombo yemali engavamile noma okungenzeka bangabi nawo amadokhumenti avamile adingekayo emalimboleko yendabuko.

Ubani Ongahlomula Emalini Ebolekiwe Ye-DSCR Ephuma Ukugeleza Kwemali?

I-DSCR Cash-Based Based Loan ingazuzisa abatshalizimali abahlukahlukene bezindlu, okuhlanganisa:

- Abatshalizimali Besikhathi Sokuqala: Uma usaqala ukutshalwa kwezindlu, le nketho yemalimboleko inikeza indlela elula yokungena emakethe, igxile ekhonweni lendawo lokungenisa imali kunomlando wakho wezezimali.

- Abatshalizimali Abanezinkathi Ezinhle Ngezakhiwo Eziningi: Abatshalizimali abanokuhlangenwe nakho abangabanikazi bezindawo ezimbalwa bangasebenzisa imali engenayo evela kumaphothifoliyo abo akhona ukuze bafanelekele ukubolekwa imali eyengeziwe, okubavumela ukuthi baqhubeke nokukhulisa izimali zabo ezitshaliwe.

- Abatshalizimali Okungebona Abase-US: Abatshalizimali abavela ngaphandle kwase-US nabo bangazuza emalimboleko ye-DSCR, njengoba bengayidingi imbuyiselo yentela yase-US noma ukuqinisekiswa kwemali engenayo yomuntu siqu. Lokhu kwenza kube lula kubantu bangaphandle ukuthi batshale izindlu ezithengiswayo zase-US.

- Izindlu Ezithengiswayo Nonjiniyela: Labo abahilelekile ekuguquleni izakhiwo noma ekuthuthukiseni izindlu bangasebenzisa imali ebolekiwe ye-DSCR ukuze baxhase ngezimali ukutholwa kwezakhiwo ezintsha ngokusekelwe emandleni abo okugeleza kwemali acatshangelwayo.

Isiphetho

I-DSCR Cash-Based Based Loan inikeza isisombululo esilula, esivumelana nezimo zezezimali kubatshali bezindlu. Ngokugxila ekungeneni kwemali kwesakhiwo esikhundleni sezimali zomuntu siqu, lolu hlelo lwemalimboleko lususa izithiyo eziningi ezihlobene nokuxhasa ngemali okujwayelekile, okuvumela abatshalizimali ukuthi bathole, baxhase kabusha, noma banwebe izindawo zabo zokutshala imali kalula.

Kungakhathaliseki ukuthi usaqala noma ungumtshalizimali osemnkantshubomvu, imali ebolekiwe ye-DSCR iyindlela enhle yokusebenzisa izakhiwo zakho zokutshala izimali futhi uqhubeke nokwakha iphothifoliyo yakho yezindawo ezithengiswayo ngaphandle kobunzima bezinhlelo zokubolekwa kwendabuko.

Ukuze ufunde kabanzi mayelana nokuthi i-DSCR Cash-Based Based Loan ingakusiza kanjani ekuxhaseni ngezimali indawo oyitshalile elandelayo, xhumana ne-AAA Lending namuhla.

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