Ukukhulisa Amandla Akho Empahla Yokutshala: Ukuqonda Isilinganiso Sokumbozwa Kwesevisi Yesikweletu kanye Nezinhlelo Ezingezona ze-QM

Ukutshala imali ku-real estate kungaba luI-CRAibhizinisi, ikakhulukazi e-United States lapho imakethe ihlukahlukene futhi inamandla. Kodwa-ke, ukuze uqinisekise impumelelo, kubalulekile ukuqonda amamethrikhi ezezimali abalulekile nezinhlelo zokubolekwa kwemali ezingaba nomthelela ekutshaleni kwakho. Imiqondo emibili ebalulekile kubatshalizimali bezindlu ezithengiswayo iDebt Service Coverage Ratio (DSCR) kanye nezinhlelo ezingezona ze-QM. Kulesi sihloko, sizohlola ukuthi lezi zici zingakusiza kanjani ukukhulisa amandla akho esakhiwo sokutshala imali.

Iyini I-Debt Service Coverage Ratio (DSCR)?

I-Debt Service Coverage Ratio (DSCR) iyimethrikhi yezezimali esetshenziswa ababolekisi ukuhlola ikhono lesakhiwo sokukhiqiza imali engenayo eyanele ukumboza izibopho zayo zezikweletu. Empeleni, i-DSCR ibalwa ngokuhlukanisa imali engenayo yokusebenza yendawo (NOI) ngesamba sesevisi yesikweletu sayo. I-DSCR ka-1.0 isho ukuthi indawo yenza imali engenayo eyanele ukukhokhela isikweletu sayo, kanti i-DSCR engaphezu kuka-1.0 ikhombisa imali eyengeziwe, okwenzautshalomaliingozi encane kubabolekisi.

Isibonelo, uma indawo yakho yokutshala imali inenzuzo yokusebenza engu-$100,000 kanye nezinkokhelo zezikweletu zonyaka ezingu-$80,000, i-DSCR izoba ngu-1.25. Lesi silinganiso siphakamisa ukuthi isakhiwo senza u-25% wemali engenayo ngaphezu kwesidingo sokukhokha isikweletu saso, okuyinto evumayo ukuthola imali.

Ukubaluleka kwe-DSCR Ekutshalweni Kwezindlu Nezindlu

Ukuqonda nokwenza kahle i-DSCR yendawo yakho kubalulekile ngenxa yezizathu ezimbalwa:

1. Ukuvunyelwa Kwemalimboleko: Ababolekisi ngokuvamile badinga ubuncane be-DSCR ukuze bathole imvume yemali mboleko. I-DSCR ephakeme yandisa amathuba akho okuthola uxhaso.
2. Amanani enzalo: Izakhiwo ezinama-DSCR aphezulu zingase zifanelekele amanani enzalo aphansi, zehlise zizonke izindleko zokuboleka.
3. Impilo Yezezimali: I-DSCR eqinile ibonisa ukuhamba kwemali okunempilo, okwenza utshalomali lwakho lukwazi ukumelana nokuguquguquka kwezimakethe.

Ukuhlola Izinhlelo Ezingezona ze-QM

Izinhlelo ze-Non-QM (Non-Qualified Mortgage) zenzelwe ababoleki abangahlangabezani nezidingo eziqinile zemali mboleko yezindlu ezivamile. Lezi zinhlelo zinikeza ukuguquguquka ngokuya kokuqinisekiswa kwemali engenayo, izikolo zezikweletu, kanye nezilinganiso zezikweletu nemali engenayo, okuzenza zibe inketho ekhangayo kubatshalizimali bezindlu ezithengiswayo.

Izinzuzo Zezinhlelo Ezingezona ze-QM Zabatshalizimali

1. Ukuqinisekiswa Kwemali Engenayo Okuguquguqukayo: Izinhlelo ezingezona ze-QM zivame ukwamukela enye imibhalo yemali engenayo, njengezitatimende zasebhange noma imali yokuqasha, engaba yinzuzo kubatshalizimali abazisebenzayo.
2. I-Credit Score Flexibility: Abatshalizimali abanamaphuzu esikweletu angaphansi kokuphelele bangakwazi ukuthola imalimboleko ye-Non-QM, okuhlinzeka ngamathuba engeziwe okuvikela uxhaso.
3. Imikhawulo Ephakeme Yemalimboleko: Izinhlelo ezingezona ze-QM zinganikeza imikhawulo ephezulu yemalimboleko, evumela abatshalizimali ukuthi baxhase ngezimali izakhiwo ezinkulu noma eziningi.

Ukuhlanganisa izinhlelo ze-DSCR nezingezona ze-QM

Ngokuqonda i-DSCR yendawo yakho kanye nokusebenzisa izinhlelo ezingezona ze-QM, ungathuthukisa isu lakho lokutshala imali. I-DSCR ephezulu ingathuthukisa amathuba akho okufaneleka ukuthola imali ebolekiwe ye-Non-QM, kuyilapho ukuguquguquka kwalezi zinhlelo kungakusiza ukuthi uvikele uxhaso ngisho noma imali mboleko yendabuko ingeyona inketho.

Sengiphetha, ukwazi kahle imiqondo ye-Debt Service Coverage Ratio kanye nezinhlelo ezingezona ze-QM kubalulekile kunoma yimuphi umtshali wezindlu ofuna ukukhulisa amandla akhe okutshala imali e-United States. Ngokugxila kulezi zinto ezibalulekile, ungenza izinqumo ezinolwazi, uvikele uxhaso olukahle, futhi uzuze impumelelo enkulu emabhizinisini akho endawo nezakhiwo.

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.