12/05/2023

Ukuhlola Ukuqamba Okusha Kwezinhlelo Ze-DSCR Ezingenayo Isilinganiso

Esimeni esiguqukayo njalo soxhaso lwemali yezindlu ezibolekwayo, Izinhlelo Ze-No Ratio Debt-Service Coverage Ratio (DSCR) ziye zavela njengesixazululo esihlukile sababoleki abafuna ukuguquguquka kwezezimali.Lo mhlahlandlela obanzi uhlose ukucacisa izici, izinzuzo ezingaba khona, nokucatshangwa okuhlotshaniswa nalezi zinhlelo ezintsha, eziklanyelwe ukubhekelela izinhlobonhlobo zamaphrofayela ezezimali.

Ukuqonda Akukho Isilinganiso Izinhlelo ze-DSCR

Akukho I-Ratio DSCR Programs, evame ukubizwa ngokuthi "Ayikho I-Ratio", imelela ukushintsha kwepharadigm ekubolekweni kwezindlu.Lezi zinhlelo zisuka ekugcizeleleni okujwayelekile kwezilinganiso zesikweletu nemali engenayo, zihlinzeka ababolekayo ngenye indlela yokuvikela uxhaso ngaphandle kokucubungula okuqinile kwemibhalo yabo yemali engenayo.

Izici Zokungabi Nesilinganiso Sezinhlelo ze-DSCR

1. Akugcizelelwa Izilinganiso Zesikweletu Nemali Engenayo:
   • Uhlolojikelele: Akukho Isilinganiso Izinhlelo ze-DSCR azigcizeleli kakhulu izilinganiso zesikweletu nemali engenayo enqubweni yokugunyaza imali mboleko.
   • Umthelela: Ababoleki bathola ukuguquguquka okuthuthukile, ikakhulukazi labo abanemithombo yemali engenayo engajwayelekile noma izimo zezimali eziyinkimbinkimbi.
2. Gxila ku-Debt-Service Coverage Ratio:
   • Uhlolojikelele: Ababolekisi bahlola ikhono lesakhiwo lokukhiqiza imali engenayo ukuze bakhokhele isevisi yesikweletu kunokuthembela emalini engenayo yomboleki kuphela.
   • Umthelela: Abatshalizimali bezindlu kanye nabantu abazisebenzayo bangathola lezi zinhlelo zivumelane kakhulu.
3. Imikhiqizo Ehlukahlukene Yemalimboleko:
   • Uhlolojikelele: Azikho Izilinganiso Zezinhlelo ze-DSCR ezitholakala ngezinjongo ezihlukahlukene, ezihlanganisa ukuthengwa kwendawo yokuhlala, ukutshalwa kwezimali kwezindlu ezithengiswayo, kanye nokuxhasa ngezimali kabusha.
   • Umthelela: Ababoleki banenkululeko yokukhetha umkhiqizo wemalimboleko ohambisana nemigomo yabo yezezimali ethile.

Izinzuzo Nokucatshangelwa Kwababoleki

1. Ukuvumelana nezimo okuthuthukisiwe ekuvunyweni:
   • Inzuzo: Akukho Isilinganiso Izinhlelo ze-DSCR zinikeza ukuguquguquka okuthuthukisiwe ekugunyazweni kwemali mboleko, okuvumela ababolekayo abanamaphrofayili ezezimali ahlukahlukene ukuthi bafaneleke.
   • Ukucatshangelwa: Nakuba ukuguquguquka kuyanda, ababoleki kufanele babuyekeze ngokucophelela imigomo, okuhlanganisa amanani enzalo namashejuli okukhokha.
2. Ukufinyeleleka Kwabatshali Bezindlu Nezindlu:
   • Inzuzo: Abatshalizimali bezindlu bangathola lezi zinhlelo zinenzuzo ikakhulukazi, njengoba ukugxila emalini engenayo yendawo kungenza kube lula ukuxhasa ngezimali izakhiwo zokutshalwa kwezimali.
   • Ukucatshangelwa: Abatshalizimali kufanele bahlole imigomo nemibandela ethile ukuze baqinisekise ukuhambisana namasu abo okutshala imali.
3. Inqubo Yokufaka Isicelo Elula:
   • Inzuzo: Ukugcizelelwa okuncishisiwe kwemibhalo yemali engenayo ngokuvamile kuholela enqubweni yesicelo esheshayo nelula kakhudlwana.
   • Ukucatshangelwa: Ababoleki kufanele bagcine ukuqonda okucacile kwemigomo, futhi baqinisekise ukuthi isivinini sokugunyazwa asifaki engozini icebo labo lezezimali lilonke.

Ukucatshangelwa Kwababoleki

1. Ukuqonda Okuphelele Kwamamethrikhi Ezakhiwo:
   • Okutuswayo: Njengoba Akukho Isilinganiso Izinhlelo ze-DSCR zigxile emalini engenayo yendawo, ababoleki kufanele bawaqonde kahle amamethrikhi asetshenziswa ukuze kuhlolwe ukusebenza kwezimali kwendawo.
2. Ukuqonda Okucacile Kwemigomo Yemalimboleko:
   • Okutuswayo: Naphezu kokuhlolwa kwemali engenayo okwenziwe lula, ababoleki kufanele baqonde kahle imigomo yemali mboleko, okuhlanganisa amanani enzalo, izinkokhelo, namashejuli okukhokha.
3. Ukuqhathanisa Ukuthenga:
   • Okunconyiwe: Hlola okunikezwayo okuvela kubabolekisi abahlukene abahlinzeka Ngezinhlelo ze-DSCR Ezingenayo Isilinganiso ukuze uvikele imigomo evumayo kakhulu yezimo zezimali ngazinye.

Ukuzulazula kunqubo yohlelo lokusebenza

1. Ukuxhumana Okungafihli nababolekisi:
   • Isiqondiso: Gcina ukuxhumana okuvulekile nababolekisi, uqinisekise ukucaca kumadokhumenti adingekayo kanye nokuqonda imibandela ethile yomboleki.
2. Ukubuyekezwa Kochwepheshe Kwamamethrikhi Ezakhiwo:
   • Isiqondiso: Bandakanya ochwepheshe ukuze babuyekeze amamethrikhi wendawo, baqinisekise ukuqonda okuphelele kokuthi banikela kanjani enqubweni yokugunyaza imalimboleko.
3. Umeluleki Wezomthetho Uma Kudingeka:
   • Isiqondiso: Ezimeni eziyinkimbinkimbi noma zokungaqiniseki, ukufuna ummeli kunganikeza isendlalelo esengeziwe sokuvikela kubaboleki.

Isiphetho: Izixazululo Zezezimali Zokuphayona Ezimweni Ezihlukahlukene

Akukho I-Ratio DSCR Programs emi phambili ekusungulweni kwempahla yezindlu, enikeza indlela eyingqayizivele yokuxhasa ngezimali enika ababoleki amandla okuvumelana nezimo kwezezimali.Nakuba lezi zinhlelo zenza inqubo yesicelo ibe lula, ababoleki kufanele basondele enqubweni yokuthatha izinqumo ngokuqonda okucacile kwemigomo kanye nokuhwebelana okungaba khona.Ngokuzulazula kubunkimbinkimbi bezinhlelo ze-No Ratio DSCR ngokuzikhandla nangokuqwashisa, ababoleki bangasebenzisa la mathuba amasha ukuze bafinyelele imigomo yabo yezindlu nezimali.

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.