12/04/2023

Emakethe yezindlu ezithengiswayo eguquguqukayo yanamuhla, ukuthola isixazululo esilungile sokuthola imali kungaba uguquko, ikakhulukazi kubatshalizimali. EyethuI-DSCR (Debt Service Coverage Ratio)umkhiqizo wemalimboleko uklanyelwe ukwenza ukutshalwa kwezimali kwezakhiwo kufinyeleleke futhi kusebenze kahle. Leli thuluzi lezezimali eliyingqayizivele livumela ababoleki ukuthi basebenzise imali yokuqasha ukuze bathole ukufaneleka kwemalimboleko, badlule isidingo semibhalo yemali engenayo evamile. Lesi sihloko sizohlola izici ezihlukahlukene zomkhiqizo wethu we-DSCR nokuthi ugqama kanjani emakethe.

Iyini i-DSCR?

I-Debt Service Coverage Ratio (DSCR)iyimethrikhi yezezimali esetshenziselwa ukunquma ukuhamba kwemali kwesakhiwo. Ikala i-Annual Net Operating Income (NOI) yendawo uma iqhathaniswa nezibopho zayo zezikweletu zonyaka. Ababolekisi ngokuvamile basebenzisa i-DSCR ukuze baqinisekise ukuthi umboleki uyafaneleka yini ukuthola imali ebolekiwe yokutshalwa kwezindlu. Kuyinkomba ebalulekile yekhono lomboleki lokubuyisela imali ebolekiwe. Ngokuvamile, uma i-DSCR yendawo ingahlangabezani nemfuneko encane yombolekisi, isicelo semalimboleko singanqatshwa. Nokho, indlela yethu yokwenza ihlukile. Sinikeza ukuguquguquka, ngisho nasezimpahleni ezingahlangabezani nezimfuneko zokugeleza kwemali ezivamile.

Izidingo zokufaka isicelo somkhiqizo wethu we-DSCR
EyethuI-DSCRumkhiqizo ufinyeleleka kuzicelo eziningi ezahlukene. Uma isikolo sakho se-FICO singama-660 noma ngaphezulu, uyafaneleka ukufaka isicelo. Siyazemukela ngisho nabezizwe zakwamanye amazwe ukuthi bafake izicelo zokubolekwa imali kwa-DSCR. Ngaphezu kwalokho, sinikeza imibandela yokuncintisana, ehlanganisa inkokhelo encane engu-20% kanye nezilinganiso zemalimboleko-yevelu ezifika ku-80%.

Abantu Bangaphandle Nezindawo Zotshalomali
Kwa-AAA Lendings, siyayibona imvelo yomhlaba yokutshalwa kwezindlu nezindlu. Izizwe zakwamanye amazwe azifaneleki kuphela kodwa zamukelekile ukuthi zifake izicelo zethuI-DSCRizikweletu. Ngenkokhelo ephansi engu-30% kuphela, abatshalizimali bakwamanye amazwe bangakwazi ukuvikela indawo yabo yokutshalwa kwezimali yamaphupho e-US, okwenza utshalomali lwezindlu nomhlaba lufinyeleleke kakhulu kunangaphambili.

Izimalimboleko ze-DSCR Zokuqashwa Kwesikhathi Esifushane
Ukuvumelana nezimo yethuI-DSCRumkhiqizo udlulela ezinhlotsheni zezakhiwo ezahlukahlukene, okuhlanganisa nalezo ezisetshenziselwa ukuqashwa kwesikhashana. Lokhu kuzivumelanisa nezimo kunenzuzo ikakhulukazi ezimakethe zanamuhla, lapho ukuqashwa kwesikhashana kungase kube izinketho zokutshala izimali ezinenzuzo enkulu. Xhumana nathi ukuze uthole imininingwane eyengeziwe yokuthi imali mboleko yethu ye-DSCR ihlangabezana kanjani nale ngxenye.

Ukubhekana Nezinkokhelo Zezindlu Eziphakeme Kunemali Yokuqasha
Ukukhathazeka okuvamile kubatshalizimali kulapho imali engenayo yokuqasha indawo ihluleka ukumboza inkokhelo ye-mortgage. EyethuI-DSCRumkhiqizo unikeza inketho ethi 'akukho isilinganiso', edambisa lokhu kukhathazeka. Lesi sici sivumela abatshalizimali ukuthi bavikele uxhaso ngaphandle kwengcindezi yokufanisa noma ukweqa izinkokhelo zezindlu ezibolekiwe ngemali engenayo yokuqasha.

Indlela Elula Yokufaka Isicelo Semalimboleko Yethu ye-DSCR

Ukufaka isicelo se-aI-DSCRimalimboleko nge-AAA Lendings iqondile. Sivumela izinhlobonhlobo zezakhiwo ukuba zifaneleke ngokusekelwe ekugelezeni kwemali, okwenza inqubo yokufaneleka ibe lula. Le ndlela ivula amathuba okuba abatshalizimali abaningi bangene emakethe yezindlu nezindlu.

Lusebenza Kanjani Uhlelo lwe-DSCR?
EyethuI-DSCRimali ebolekiwe isebenza ngaphansi kohlaka lwe-Non-Qualified Mortgage, egxile emalini etholakala emalini etholwayo yokuqasha elindelwe yendawo esikhundleni semali engenayo yomuntu siqu yomboleki. Le modeli inenzuzo ikakhulukazi kubatshalizimali abangase babe nempahla eningi kodwa indlela engenayo engajwayelekile. Ngokusekela ukufaneleka kokubolekwa kwemali emandleni okungenisa imali wendawo, sinikeza indlela evumelana nezimo futhi elungele abatshalizimali.

Izinzuzo Zokukhetha Umkhiqizo Wethu Obolekiwe we-DSCR
Inqubo Yokufaneleka Eyenziwe Lula: EyethuI-DSCRimali ebolekiwe ayidingi ukuqinisekiswa kwengeniso evamile, izimbuyiselo zentela, noma umlando wokuqashwa. Le nqubo eyenziwe lula yenza ukugunyazwa kwemali mboleko kusheshe futhi kube lula.

Ukufinyeleleka Kwabantu Bangaphandle: Siyayiqaphela indima ebalulekile yabatshalizimali bomhlaba wonke emakethe yezindlu nemizi. Umkhiqizo wethu we-DSCR uklanyelwe ukuhlangabezana nezidingo zabantu bangaphandle, ubanikeza ithuba elilinganayo lokutshala izimali ezakhiweni zase-US.

Ukuvumelana nezimo Ekuxhaseni Ngezimali: Kungakhathaliseki ukuthi isu lakho lokutshala izimali lihilela ukuqashwa kwesikhathi eside noma amakhaya okuvakasha esikhashana, imali ebolekiwe ye-DSCR yethu ivumelana nezimo ezihlukahlukene zezakhiwo namamodeli okutshalwa kwezimali.

Ayikho Inketho Yesilinganiso Sokuguquguquka Okuthuthukisiwe: Inketho ethi 'akukho isilinganiso' ngaphansi komkhiqizo wethu we-DSCR inikeza ukuthula kwengqondo kubatshalizimali, iqinisekisa ukuthi ukuguquguquka kwemali engenayo yokuqasha ayivimbeli uhambo lwabo lokutshala izimali.

Imigomo Yezezimali Encintisanayo: Ngezinketho ezifana nenkokhelo ephansi kanye nezilinganiso ezivumayo zokubolekwa kwemali nenani, imali ebolekiwe ye-DSCR iyakhanga ngokwezimali, okwenza ukutshalwa kwezimali kwezakhiwo kufinyeleleke kubabukeli abaningi.

Ukusekelwa Kwamasu Ahlukahlukene Otshalomali: Kungakhathaliseki ukuthi ungumtshali-zimali ongumakadebona noma usanda kungena emakethe yezindlu nemizi, imali ebolekiwe ye-DSCR isekela amasu ahlukahlukene okutshala imali, kusukela ezindlini zomndeni owodwa kuya ezakhiweni ezinamayunithi amaningi.

Isiphetho
EyethuI-DSCRumkhiqizo wemalimboleko uwubufakazi bokuzibophezela kwethu ekunikezeni izixazululo zezezimali ezintsha nezifinyelelekayo kubatshalizimali bezindlu ezithengiswayo. Ngezici ezifana nokungabi bikho kokuqinisekiswa kwemali engenayo, ukuguquguquka kwezakhamuzi zakwamanye amazwe, nokuvumelana nezimo ezihlukahlukene zezakhiwo, sichaza kabusha isimo sokutshalwa kwezimali kwezakhiwo. Uma ubheke ukuqalisa noma ukwandisa uhambo lwakho lokutshala izindlu nomhlaba, imali ebolekiwe ye-DSCR ikunikeza inhlanganisela ephelele yokuguquguquka, ukunethezeka, kanye nokukhanga kwezezimali.

Thatha Isinyathelo Esilandelayo

Ulungele ukuhlola amathuba nge wethuI-DSCRumkhiqizo wemalimboleko? Xhumana ne-AAA Lendings namuhla futhi uthathe isinyathelo sokuqala ekufezeni izifiso zakho zokutshala izindlu nomhlaba. Ngobungcweti bethu nezisombululo zezezimali ezintsha, imigomo yakho yokutshala imali ingafinyeleleka.

Ividiyo:Ukwandisa Ukutshalwa Kwezimali Kwezindlu Ngomkhiqizo Wethu Omusha Wemalimboleko we-DSCR

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.