Ukuvula Imalimboleko Yasekhaya nge-DSCR: Akukho Ukubuyiselwa Kwentela Okudingekile

Uma kuziwa ekutholeni imali mboleko yendlu e-United States, izindlela zendabuko ngokuvamile zidinga imibhalo eningi, okuhlanganisa nezimbuyiselo zentela. Nokho, kubatshalizimali kanye nabantu abazisebenzayo, kunenye indlela eyenza inqubo ibe lula:I-DSCRizikweletu. Lesi sihloko sizohlola ukuthi ungayivula kanjani imali mboleko yezindlu usebenzisa i-DSCR, ngaphandle kwesidingo sembuyiselo yentela.

Ukuqonda i-DSCR: I-Debt Service Coverage Ratio

I-Debt Service Coverage Ratio (DSCR) iyimethrikhi yezezimali esetshenziswa ababolekisi ukuze bahlole ikhono lomfakisicelo lokukhokha imali mboleko. Empeleni, i-DSCR ikala i-Ukungena kwemalietholakalayo ukuze ukhokhe izibopho zezikweletu zamanje. I-DSCR ephakeme ikhombisa ikhono elikhulu lokukhokhela izinkokhelo zezikweletu, okuyenza ibe yisici esibalulekile ekugunyazweni kwemali mboleko, ikakhulukazi kubatshali bezindlu.

Kungani Ukhetha Izikweletu Ze-DSCR?

Izimali ezibolekiwe ze-DSCR zizuzisa kakhulu kubantu abangase bangabi nawo amadokhumenti emali engenayo, njengembuyiselo yentela. Lokhu kuhlanganisa abantu abazisebenzayo, abatshalizimali bezindlu, nalabo abanezimo zezimali eziyinkimbinkimbi. Ngokugxila emandleni okungenisa imali endaweni esikhundleni semali etholwa umuntu siqu, imali ebolekiwe ye-DSCR inikeza indlela ehlelekile yokuthola uxhaso.

Akukho Ukubuyiselwa Kwentela Okudingekile

Enye yezinzuzo ezibaluleke kakhulu zemalimboleko ye-DSCR ukuthi ayidingi ukubuyiselwa kwentela. Imali mboleko evamile ngokuvamile idinga imibhalo yentela eningi ukuze kuqinisekiswe imali engenayo, okungaba isithiyo kubafakizicelo abaningi. Ngemalimboleko ye-DSCR, ababolekisi babeka phambili imali engenayo ekhiqizwa isakhiwo ngokwaso, ngaleyo ndlela baqede isidingo sembuyiselo yentela yomuntu siqu. Lokhu kwenza inqubo yesicelo ibe lula futhi kuvule iminyango yohlu olubanzi lwababolekayo.

Isebenza Kanjani Imalimboleko ye-DSCR

Ukuze ufanelekele ukubolekwa imali ye-DSCR, ababolekisi ngokuvamile babheka imali yokuqasha ekhiqizwa isakhiwo okukhulunywa ngaso. Baqhathanisa le mali engenayo nezibopho zezikweletu ezihlobene nendawo. I-DSCR yoku-1 noma ngaphezulu ibonisa ukuthi indawo yenza imali eyanele ukukhokhela izinkokhelo zayo zezikweletu. Isibonelo, i-DSCR ka-1.2 isho ukuthi indawo yenza imali engenayo engu-20% ngaphezulu kunezibopho zayo zezikweletu, okuyenza ibe ukutshalwa kwezimali okuphephile kubabolekisi.

Izinzuzo Zemalimboleko ye-DSCR

1. Ukuvumelana nezimo: Ngaphandle kwesidingo sembuyiselo yentela, imali ebolekiwe ye-DSCR inikeza ukuguquguquka okukhulu kubaboleki abanemithombo yemali engenayo engeyona eyendabuko.
2. Isivinini: Inqubo yesicelo ivamise ukushesha, njengoba iqeda isidingo sokuqinisekiswa okubanzi kwemali engenayo.
3. Ukufinyelela: Ababoleki abaningi bangakwazi ukuthola imalimboleko, okuhlanganisa nalabo abangase benqatshelwe ababolekisi bendabuko.

Isiphetho

Izimalimboleko ze-DSCR zinikeza inketho esebenzayo yokuthola imalimboleko yezindlu ngaphandle kwesidingo sembuyiselo yentela. Ngokugxila emandleni emali engenayo yendawo, lezi mboleko zinikeza ukuguquguquka, isivinini, kanye nokufinyelela okubanzi kwezimali. Kungakhathaliseki ukuthi ungumtshali wezindlu noma umuntu ozisebenzelayo, imali ebolekiwe ye-DSCR ingakunikeza ukwesekwa kwezezimali okudingayo ukuze ufinyelele izinjongo zakho zezindlu.

Vula amandla otshalomali lwakho ngemalimboleko ye-DSCR namuhla futhi ushiye ngemuva ukuhlupheka kwentela!

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.