Khulisa Ukutshalwa Kwezimali Kwakho Kwezindlu Ngemali Ebolekiwe Yesilinganiso Se-DSCR: Zifanele Ngokugeleza Kwemali

Emhlabeni oguquguqukayo wokutshalwa kwezimali kwezakhiwo, ukuthola uxhaso olufanele kubalulekile ukuze uphumelele. Kubatshalizimali abaningi, iziqu zendabuko zemalimboleko ezisekelwe emalini engenayo yomuntu siqu kanye nokuqashwa zingaba nemingcele. Nokho, kunenye indlela egxile emandleni emali engenayo yendawo:I-DSCRukubolekwa kwesilinganiso. Lezi zimali mboleko zivumela abatshalizimali ukuthi bafaneleke ngokusekelwe ekuhambeni kwemali kwesakhiwo ngokwaso. Nansi indlela i-DSCR ratio loans engakusiza ngayo ukuthi ukhulise utshalomali lwakho lwezindlu ezithengiswayo.

UkuqondaIsilinganiso se-DSCRImalimboleko

I-DSCR imele i-Debt Service Coverage Ratio, i-metric eyinhloko esetshenziswa ababolekisi ukuhlola ikhono lendawo yokutshalwa kwezimali ukumboza izibopho zayo zezikweletu. Empeleni, isilinganiso se-DSCR sikala ukugeleza kwemali kwesakhiwo ngokuqhathaniswa nezinkokhelo zayo zezikweletu. Isilinganiso esiphezulu se-DSCR sibonisa ukuthi indawo ikhiqiza imali eyanele ukumboza isikweletu sayo, okuyenza ibe sengozini encane kubabolekisi.

Izinzuzo ze-DSCR Ratio Loans

1. Gxila Ekugelezeni Kwemali Yempahla: Ngokungafani nemalimboleko evamile edinga ukuqinisekiswa kwemali engenayo yomuntu siqu, imalimboleko yesilinganiso se-DSCR ivumela abatshalizimali ukuthi bafaneleke ngokusekelwe ekungeneni kwemali okukhiqizwa isakhiwo. Lokhu kusho ukuthi noma ngabe iholo lakho liphezulu, usengakwazi ukuthola uxhaso lwezimali uma indawo inenzuzo.

2. Ukuvumelana nezimo kubatshalizimali: Izimalimboleko zesilinganiso se-DSCR zinikeza ukuguquguquka okukhulu kubatshalizimali bezindlu ezithengiswayo, ikakhulukazi labo abanezakhiwo eziningi noma labo abazisebenzayo. Ngokugxila emalini engenayo yendawo, lezi zimali mboleko zenza abatshalizimali bakwazi ukunweba amaphothifoliyo abo ngaphandle kwemingcele yokuqinisekiswa kwemali engenayo okujwayelekile.

3. Inqubo Yokugunyaza Eyenziwe Lula: Inqubo yokugunyaza imali mboleko yesilinganiso se-DSCR ingaba lula futhi isheshe kunemali mboleko evamile. Njengoba okugxilwe kakhulu ekungeneni kwemali yendawo, kunokugcizelelwa okuncane emibhalweni yezezimali yomuntu siqu, okwenza kube lula kubatshalizimali ukuthola uxhaso.

Ufaneleka Kanjani Ekugelezeni Kwemali

Ukufaneleka kokubolekwa kwesilinganiso se-DSCR kubandakanya ngokuyinhloko ukukhombisa ukuthi indawo yenza imali eyanele ukumboza izibopho zayo zesikweletu. Nakhu okudingeka ukwazi:

1. Bala Isilinganiso se-DSCR: Ukuze ubale isilinganiso se-DSCR, hlukanisa imali engenayo yokusebenza yendawo (NOI) ngesamba sesevisi yesikweletu sayo (izinkokhelo eziyinhloko nenzalo). Isibonelo, uma indawo ine-NOI ka-$100,000 kanye nesevisi yesikweletu yonyaka engu-$80,000, isilinganiso se-DSCR singaba ngu-1.25. Ababolekisi ngokuvamile babheka isilinganiso se-DSCR esingu-1.2 noma ngaphezulu.

2. Izidingo Zokubhala: Nakuba imibhalo yemali engenayo ingase incishiswe, usazodinga ukunikeza ulwazi oluningiliziwe lwezezimali mayelana nendawo. Lokhu kuhlanganisa izitatimende zeholo eliqashisayo, izindleko zokusebenza, namanye amadokhumenti ezezimali afanelekile.

3. Ukusebenza Kwempahla: Ababolekisi bazohlola umlando wendawo kanye nokusebenza kwemali okucatshangelwayo. Ukuqinisekisa ukuthi indawo inomlando oqinile wokuqasha kanye namandla emali engenayo esikhathini esizayo kuyisihluthulelo sokuthola imalimboleko yesilinganiso se-DSCR.

Isiphetho

Izimali mboleko ze-DSCR zinikeza isixazululo esinamandla sezimali kubatshalizimali bezindlu ezithengiswayo, okubavumela ukuba bafaneleke ngokusekelwe ekuhambeni kwemali kwezakhiwo zabo kunenzuzo yomuntu siqu. Ngokusebenzisa isilinganiso se-DSCR, abatshalizimali bangavula amathuba amasha, bakhulise amaphothifoliyo abo, futhi bathole impumelelo enkulu emakethe yezindlu nezindlu. Uma ubheke ukukhulisa amandla akho okutshala imali, cabanga ukuhlola izilinganiso zemali mboleko ye-DSCR njengenketho yokuxhasa ngemali esebenzayo neguquguqukayo.

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.