Ukukhulisa Ukutshalwa Kwezimali Kwezindlu Nge-DSCR 5-9 Units futhi Ayikho Imali Ebolekiwe Yomuntu Siqu Edingekayo

Ukuzulazula ingceboutshalomaliukwakheka kwezwe kungaba yinselele, ikakhulukazi uma kuziwa ekutholeni uxhaso lwezimali. Kubatshalizimali abafuna ukukhulisa amathuba abo, ukuqonda amayunithi e-DSCR 5-9 kanye nemalimboleko engadingi imali yomuntu siqu kungaba abashintshi begeyimu. Lezi zinketho zezimali zingasiza abatshalizimali benze izinqumo ezihlakaniphile futhi bathuthukise izinzuzo zabo zokutshala izimali.

Iyini i-DSCR?

I-Debt Service Coverage Ratio (DSCR) iyimethrikhi ebalulekile ababolekisi abayisebenzisayo ukuze bahlole ikhono lendawo ekhiqiza imali ukuze ihlanganise 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 ze-DSCR 5-9 Units

1. Amathuba Okwengeziwe Okuvunywa 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. KuthuthukisiweUkungena kwemali: 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.

Akukho Imali Yomuntu Siqu Edingekayo Imalimboleko

Kubatshalizimali abaningi bezindlu ezithengiswayo, imali mboleko yendabuko edinga ukuqinisekiswa kwemali engenayo ingaba yisithiyo. Imali mboleko engadingi imali yomuntu siqu iklanyelwe ukubhekana nalolu daba, okwenza kube lula kubatshalizimali ukuthi bafaneleke ngokusekelwe emalini etholwa indawo ngokwayo.

Izinzuzo Akukho Imali Yomuntu Siqu Edingekayo Imalimboleko

1. Inqubo Yokufaneleka Eyenziwe Lula: Lezi zimali mboleko zigxile emalini engenayo yendawo esikhundleni semali engenayo yomuntu siqu yomboleki, okwenza kube lula inqubo yokufaneleka. Lokhu kuzuzisa kakhulu kubatshalizimali abanezimo zezimali eziyinkimbinkimbi noma labo abakhetha ukungadaluli imininingwane yemali engenayo yomuntu siqu.

2. Gxila Ekusebenzeni Kwempahla: Ngokugcizelela i-DSCR yendawo, ababolekisi banganikeza uxhaso ngezimali ngokusekelwe emandleni omhlaba okwenza imali engenayo, kunesimo sezimali somtshali-zimali. Lokhu kwenza kube lula ukuthola uxhaso lwezimali lwezakhiwo ezinamandla okuthola imali.

Ukuhlanganisa Amayunithi E-DSCR 5-9 Ngaphandle Kwemali Ebolekiwe Yomuntu Siqu Edingekayo

Kubatshalizimali bezindlu ezithengiswayo, ukuhlanganisa izinzuzo zamayunithi e-DSCR 5-9 nemalimboleko engadingi imali yomuntu siqu kungaba isu elinamandla. Ngokugxila ezakhiweni ezinama-DSCR aqinile, abatshalizimali bangathuthukisa amathuba abo okugunyaza imalimboleko futhi bavikele imigomo engcono. Khonamanjalo, inqubo yokufaneleka eyenziwe lula yokungabi namali ebolekiwe yomuntu siqu edingekayo iqinisekisa ukuthi nalabo abanemithombo yemali engenayo okungeyona eyendabuko bangakwazi ukuthola uxhaso lwezimali oludingayo.

Isiphetho

Ukuqonda izinto eziyinkimbinkimbi zamayunithi e-DSCR 5-9 futhi akukho mali mboleko edingekayo yomuntu siqu 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.