Yenza Uxhaso Lwakho Lwezimali lube Lula: Izimalimboleko ze-DSCR ezingenazo Imbuyiselo Yentela Edingekayo

Kubatshalizimali bezindlu ezithengiswayo, ukuthola uxhaso lwezimali zezakhiwo ngokuvamile kungaba inqubo eyinkimbinkimbi futhi edla isikhathi, ikakhulukazi lapho kudinga imibhalo eningi yemali engenayo yomuntu siqu. Izicelo zokubolekwa kwendabuko zingaba umthwalo, zidinga ukubuyiswa kwentela, izigaxa zokukhokha, nezinye izitatimende zezimali ezinemininingwane. Nokho, iI-DSCRUhlelo lwemalimboleko lunikeza enye indlela evuselelayo eyenza inqubo ibe lula kakhulu. Kulesi sihloko, sizoxoxa ngokuthi imali mboleko ye-DSCR isebenza kanjani, kungani ingadingi ukubuyiselwa kwentela, nokuthi abatshali bezindlu bangazuza kanjani kule ndlela ehlelekile.

Iyini Imalimboleko ye-DSCR futhi Isebenza Kanjani?

Uhlelo lwemalimboleko yeDebt Service Coverage Ratio (DSCR) lwenzelwe ngokukhethekile abatshali bezindlu abafuna ukuxhasa ngezimali izakhiwo ezikhiqiza imali. Ngokungafani nemalimboleko evamile, ngokuvamile edinga ukuthi umboleki anikeze ulwazi lomuntu siqu lwezezimali, izikweletu ze-DSCR zigxila ekusebenzeni kwezimali kwendawo ngokwayo.

I-DSCR isilinganiso esiqhathanisa imali engenayo yokusebenza yendawo (NOI) nesevisi yesikweletu (inani elipheleleizinkokhelo zezindlu). Lesi silinganiso sisiza ababolekisi ukuthi banqume ukuthi indawo yenza imali eyanele ukukhokhela izindleko zayo, okuhlanganisa nenkokhelo ye-mortgage. I-DSCR ka-1.0 ikhombisa ukuthi imali engenayo yendawo yanele ukukhokhela isikweletu. I-DSCR engaphezu kuka-1.0 iphakamisa ukuthi indawo ikhiqiza imali eyengeziwe, elungele ababolekisi futhi esiza ukunciphisa ubungozi babo.

Amandla Okungabuyiselwa Kwentela Ayadingeka

Esinye sezici eziheha kakhulu zohlelo lwemalimboleko ye-DSCR ukuthi ayidingi imbuyiselo yentela. Ezicelweni zendabuko zokubolekwa kwezindlu, ukuhlinzeka ngezimbuyiselo zentela ngokuvamile kuyisinyathelo esibalulekile sokufakazela iholo lomboleki. Kubatshalizimali abaningi bezindlu ezithengiswayo, lokhu kungaba yisithiyo esibalulekile, ikakhulukazi uma benezimali eziyinkimbinkimbi, imithombo yemali engenayo engajwayelekile, noma izakhiwo eziningi.

Ngemalimboleko ye-DSCR, abatshalizimali bangakwazi ukufaneleka ngokusekelwe emalini etholwa indawo kuphela, ngaphandle kokudinga ukuhambisa izimbuyiselo zentela yomuntu siqu. Lokhu kukwenza kube inketho enhle kakhulu kubatshalizimali okungenzeka bangenayo imali eqondile noma bakhethe ukugwema ukwabelana ngemibhalo enemininingwane yezimali. Ngokususa le mfuneko, uhlelo lwemalimboleko ye-DSCR lulula inqubo yokugunyaza futhi lunciphisa isikhathi esisithathayo ukuze kuvikeleke uxhaso lwezimali.

Obani Abahlomulayo Ngemalimboleko ye-DSCR?

Uhlelo lwemalimboleko ye-DSCR luzuzisa kakhulu kubatshalizimali abahlukahlukene bezindlu ezithengiswayo. Labo abangazuza bahlanganisa:

- Abatshalizimali abazisebenzayo: Abatshalizimali bezindlu abazisebenzayo noma abanemithombo yemali engenayo engeyona eyendabuko ngokuvamile bathwala kanzima ukunikeza imibhalo yemali engenayo edingekayo ukuze bathole imali ebolekiwe. Izimalimboleko ze-DSCR zisusa lesi sithiyo.
  
- Abatshalizimali abanezakhiwo eziningi: Abatshalizimali abangabanikazi bezindawo ezimbalwa eziqashisayo bangase bakuthole kunzima ukukhombisa imali engenayo engashintshi kuzo zonke izakhiwo. Ngokugxila ekungeneni kwemali kwesakhiwo ngasinye kunenzuzo yomuntu siqu, imalimboleko ye-DSCR yenza inqubo ibe lula.

- Abatshalizimali abanemali engenayo eguquguqukayo: Uma iholo lomtshali-zimali lishintsha unyaka nonyaka, ukubonisa imali engenayo engaguquki ngokubuyisela intela kungaba inselele. Uhlelo lwe-DSCR lokubolekwa kwemali luqeda lolu daba ngokugxila emalini engenayo yendawo kunokugxila emalini yomtshali-zimali.

- Abatshalizimali abafuna ukugunyazwa ngokushesha: Ngaphandle kwesidingo sembuyiselo yentela namanye amadokhumenti omuntu siqu, inqubo yemalimboleko ye-DSCR iyashesha, ivumela abatshalizimali ukuthi basebenzise amathuba ngokushesha.

Ukubolekwa Kwe-DSCR Kubasiza Kanjani Abatshalizimali Ukukhulisa Amaphothifoliyo Abo

Ubulula nokuguquguquka kwemali mboleko ye-DSCR kuvumela abatshalizimali ukuthi bathathe isinyathelo ngokushesha futhi bavikele ukuxhasa ngezimali izakhiwo ezintsha. Ngenxa yokuthi ababolekisi basekela ukugunyazwa kwemali mboleko emalini engenayo yendawo, abatshalizimali banganweba amaphothifoliyo abo ngaphandle kokuqinisekisa imali engenayo yomuntu siqu noma banikeze izimbuyiselo zentela. Lokhu kungaba inzuzo enkulu emakethe yokuncintisana yezindlu nezindlu lapho isikhathi sibalulekile.

Ngaphezu kwalokho, imali ebolekiwe ye-DSCR ivumela abatshalizimali ukuthi basebenzise imali yabo ukuze bathole izakhiwo ezengeziwe, okuholela ekukhuleni kwephothifoliyo ngokushesha. Ngokusebenzisa imali ebolekiwe ye-DSCR, abatshalizimali bangakwazi ukukala ibhizinisi labo lezindlu ezithengiswayo ngamaphepha amancane futhi kalula.

Isiphetho

Uhlelo lwemalimboleko ye-DSCR lunikeza inketho yokuxhasa ngezimali elula nephumelelayo kubatshalizimali bezindlu ezithengiswayo, enikeza izimvume ezisheshayo futhi isuse isidingo sembuyiselo yentela. Ngokugxila emalini etholwa indawo, imali ebolekiwe ye-DSCR yenza kube lula kubatshalizimali abanemali engenayo engavamile noma izakhiwo eziningi ukuba bafanelekele ukuxhaswa ngezimali. Ngale nqubo eyenziwe lula, abatshalizimali bangakhulisa amaphothifoliyo abo, babambe amathuba amasha, futhi bavikele uxhaso ngokushesha.

Uma ungumtshali-zimali wezindlu ezithengiswayo ofuna ukwenza lula inqubo yakho yokuxhasa ngezimali, uhlelo lwemalimboleko ye-DSCR lungaba yisixazululo esifanele. Ukuze ufunde kabanzi mayelana nokuthi uhlelo lwemalimboleko ye-DSCR lungakusiza kanjani, xhumana ne-AAA Lending namuhla.

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