Ukuqonda Imali Ebolekiwe Ye-DSCR: Akukho Ukuqinisekiswa Kwemali Engenayo Kwabathengi Basekhaya BaseMelika

Uma kuziwa ekutholeni imali mboleko yendlu e-United States, izindlela zendabuko zivame ukudinga ukuqinisekiswa okubanzi kwemali engenayo. Kodwa-ke, inani elikhulayo labathengi baseMelika baphendukela kuloDscr Loans, enikeza isixazululo esiyingqayizivele: akukho ukuqinisekiswa kwemali engenayo. Ukuqonda imali ebolekiwe ye-DSCR (Debt Service Coverage Ratio) kungaba ukhiye wokuvula ubunikazi bezindlu kubantu abaningi okungenzeka bangalingani nesikhunta esivamile somboleki.

Yiziphi Izimalimboleko ze-DSCR?

Izimali mboleko ze-DSCR, noma izimali ezibolekiwe ze-Debt Service Coverage Ratio, zenzelwe ababoleki okungenzeka bangenayo indlela evamile yokuthola imali noma abakhetha ukungalidaluli umholo wabo. Esikhundleni sokuthembela ekuqinisekisweni kwemali engenayo, ababolekisi bahlola ikhono lomboleki lokubuyisela imali ebolekiwe ngokusekelwe emalini etholwe yisakhiwo ngokwaso. Lokhu kusho ukuthi ukungena nokuphuma kwemali kwendawo yi-Okuyinhlokoisici ekunqumeni ukufaneleka kwemali mboleko.

Kungani Khetha Imalimboleko ye-DSCR engenakho Ukuqinisekiswa Kwemali Engenayo?

1. Ukuvumelana nezimo Kwabantu Abazisebenzelayo: Abantu abaningi abazisebenzelayo noma labo abanemali engenayo engavamile babhekana nezinselele ekutholeni imali mboleko yendabuko ngenxa yezidingo eziqinile zokuqinisekisa imali engenayo. Izimalimboleko ze-DSCR ziqeda lesi singqinamba, okwenza kube lula kosomabhizinisi nabazimele ukuthola uxhaso lwezimali.
2. Ubumfihlo Nokunethezeka: Abanye ababoleki bancamela ukungalidaluli umholo wabo ngezizathu zobumfihlo. Izimalimboleko ze-DSCR zinikeza inketho yokuqinisekisa ukuthi ayikho imali engenayo, ehlinzeka ngenqubo yokufaka isicelo ehlakaniphe kakhudlwana futhi ehlelekile.
3. Amathuba Okutshala imali: Abatshali bezindlu bavame ukusebenzisa imali ebolekiwe ye-DSCR ukuxhasa ngezimali izakhiwo eziqashisayo. Njengoba ukugunyazwa kwemali mboleko kusekelwe emandleni emali engenayo yendawo, abatshalizimali bangakwazi ukusebenzisa lezi zimali mboleko ukuze bakhulise amaphothifoliyo abo ngaphandle kwesidingo semibhalo yemali engenayo yomuntu siqu.

Isebenza Kanjani Imalimboleko ye-DSCR

Ukuze ufanelekele ukubolekwa imali ye-DSCR, ababolekisi bazohlola Isilinganiso Sesevisi Yesikweletu Sendawo. Lesi silinganiso sibalwa ngokuhlukanisa imali engenayo yokusebenza yendawo (NOI) ngesamba sesevisi yesikweletu (izinkokhelo ze-mortgage). I-DSCR yoku-1 noma ngaphezulu ibonisa ukuthi indawo yenza imali engenayo eyanele ukumboza izibopho zayo zesikweletu, iyenze ibe ikhandidethi elikwaziyo ukubolekwa imali.

Isibonelo, uma indawo inenzuzo yokusebenza eyinsalela engu-$10,000 ngenyanga futhi isamba sesevisi yesikweletu sanyanga zonke ingu-$8,000, i-DSCR izoba ngu-1.25. Lokhu kukhombisa ukuthi indawo ingenisa imali engu-25% ngaphezulu kunaleyo edingekayo ukumboza izinkokhelo zezindlu, okuyenza ibe yikhandidethi eliqinile lokubolekwa kwe-DSCR ngaphandle kokuqinisekiswa kwemali engenayo.

Isiphetho

Izimalimboleko ze-DSCR ezingenakho ukuqinisekiswa kwemali engenayo zinikeza isixazululo esisebenzayo nesivumelana nezimo kubathengi abaningi baseMelika nabatshalizimali. Ngokugxila emandleni emali engenayo yendawo esikhundleni semali engenayo yomuntu siqu yomboleki, lezi zimali mboleko zivula iminyango yokuba umninikhaya kanye namathuba okutshala imali okungenzeka ukuthi angeke afinyeleleke. Kungakhathaliseki ukuthi uyazisebenza, ufuna ubumfihlo, noma ufuna ukutshala imali ezindaweni eziqashisayo, ukuqonda imali ebolekiwe ye-DSCR kungakusiza uzulazule esimweni se-mortgage kalula nangokuzethemba okukhulu.

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.