Uhlelo lwe-DSCR Loan Loan: I-Investment Mortgages Ngaphandle Kwembuyiselo Yentela Edingekayo

Kubatshalizimali bezindlu ezithengiswayo, ukuthola uxhaso lwezimali olungadingi amaphepha amaningi kungase kushintshe umdlalo. Esinye sezixazululo ezintsha ezitholakalayo namuhla yi-I-DSCRUhlelo lwemalimboleko, oluvumela abatshalizimali ukuthi bafanelekele ukuthola uxhaso olususelwe ekungeneni kwemali kwendawo kunenzuzo yabo siqu. Lolu hlelo lukhanga kakhulu ngoba aludingi ukubuyiselwa kwentela, okwenza inqubo isheshe futhi ibe lula kulabo abangase bangabi nayo imali engenayo eqinisekiseka kalula. Kulesi sihloko, sizochaza ukuthi uhlelo lwemalimboleko ye-DSCR lusebenza kanjani nokuthi lubazuzisa kanjani abatshali bezindlu.

Luyini Uhlelo Lwemalimboleko ye-DSCR?

Uhlelo lwemalimboleko ye-Debt Service Coverage Ratio (DSCR) wuhlobo olukhethekile lwemali mboleko esetshenziselwa izakhiwo zokutshalwa kwezimali. I-DSCR iyisilinganiso sezimali esikala ikhono lesakhiwo sokukhiqiza imali eyanele ukumboza isevisi yesikweletu (izinkokhelo ze-mortgage). I-DSCR ibalwa ngokuhlukanisa imali engenayo yokusebenza yendawo (NOI) ngesamba sezinkokhelo zezikweletu. I-DSCR ka-1.0 isho ukuthi indawo yenza imali engenayo eyanele ukuhlangabezana nezibopho zayo zezikweletu. I-DSCR ephakeme ikhombisa ukuthi indawo yenza imali eningi kunaleyo edingekayo ukuze ikhokhe isikweletu sayo.

Ohlelweni lwemalimboleko ye-DSCR, ababolekisi ngokuyinhloko bahlola ukungena nokuphuma kwemali kwendawo futhi basebenzise lokhu njengento eyinhloko ekunqumeni ukufaneleka kwemalimboleko. Lokhu kuvumela abatshalizimali bezindlu ukuthi bavikele uxhaso olusekelwe ekusebenzeni kwezimali kwendawo kunenzuzo yabo siqu noma izimbuyiselo zentela.

Lusebenza Kanjani Uhlelo Lwemalimboleko ye-DSCR

Uhlelo lwe-DSCR lwemalimboleko yakhelwe ukwenza lula inqubo ye-mortgage kubatshalizimali bezindlu ezithengiswayo. Izikweletu zendabuko ngokuvamile zidinga imibhalo enemininingwane yemali engenayo yomuntu siqu, okuhlanganisa ukubuyiswa kwentela, ama-pay stubs, nezitatimende zasebhange. Ngokuphambene, uhlelo lwemalimboleko ye-DSCR lugxile emalini engenayo ekhiqizwa indawo yokutshala imali.

Esikhundleni sokubukezaUkubuyiswa Kwentelanoma amanye amadokhumenti ezezimali, umbolekisi uhlola amandla emali engenayo yendawo. Uma isamba semali engenayo yokusebenza kwendawo yanele ukumboza isevisi yesikweletu (njengoba kuboniswa i-DSCR eqinile), umtshali-zimali angakwazi ukubolekwa imali. Lokhu kwenza kube lula kubatshalizimali okungenzeka bangabi nawo amaholo angashintshi noma imibhalo yemali engenayo esemthethweni ukuze bathole uxhaso lwezimali.

Inzuzo Yokungabuyiswa Kwentela Edingekayo

Enye yezinzuzo ezibaluleke kakhulu zohlelo lwemalimboleko ye-DSCR ukuthi ayidingi imbuyiselo yentela. Izinhlelo zendabuko zokubolekwa kwemali ngokuvamile zifuna ukubuyiselwa kwentela yomuntu siqu njengendlela yokuqinisekisa imali engenayo, okungadla isikhathi futhi kube nzima kubatshalizimali abanezakhiwo eziningi, abantu abazisebenzayo, noma labo abanemali engenayo engavamile. Ngohlelo lwemalimboleko ye-DSCR, lezi zithiyo ziyaqedwa, kuthuthukiswa inqubo futhi kuvumela ukugunyazwa okusheshayo.

Lokhu kuwusizo ikakhulukazi kubatshalizimali okungenzeka bangabi nayo indlela yendabuko yemali engenayo noma okunzima ukuyiqinisekisa imali yabo engenayo. Kungakhathaliseki ukuthi ungumnikazi webhizinisi, isisebenzi esizimele, noma umtshali-zimali onezimali eziyinkimbinkimbi, uhlelo lwemalimboleko ye-DSCR lunikeza indlela elula kakhulu yokuthola uxhaso.

Ubani Ongahlomula Ohlelweni Lokubolekwa Kwe-DSCR?

Uhlelo lwemalimboleko ye-DSCR lulungele abatshalizimali abaningi bezindlu ezithengiswayo, okuhlanganisa nalabo abangabanikazi bezindawo eziningi, labo abazisebenzayo, noma abatshalizimali abanemithombo engeyona eyendabuko. Lolu hlelo luklanyelwe abatshalizimali abangabonisa ukuthi izakhiwo zabo zisebenza ngokwezimali ngokusekelwe ekungeneni kwemali esikhundleni semali engenayo yomuntu siqu.

Abatshalizimali abakuthola kunzima ukufanelekela ukubolekwa imali ngokwesiko ngenxa yemali engenayo eguquguqukayo, ukuntuleka kwembuyiselo yentela, noma izimo zezezimali eziyinkimbinkimbi bazothola uhlelo lwemalimboleko ye-DSCR njengendlela eyamukelekayo. Inikeza indlela eqondile, ekhawulelwe kancane ekuxhaseni ngezimali ngokusekelwe emalini engenayo yendawo, okuvame ukuba yinkomba enokwethenjelwa yekhono lomtshali-zimali lokubuyisela imali mboleko.

Isiphetho

Uhlelo lwemalimboleko ye-DSCR lunikeza inzuzo enkulu kubatshalizimali bezindlu ezithengiswayo ngokunikeza indlela elula yokuvikela uxhaso. Ngokugxila ekungeneni kwemali kuleyo ndawo nokuqeda isidingo sembuyiselo yentela, lolu hlelo lwemalimboleko luqondisa inqubo yokugunyaza futhi luvule amathuba kubatshalizimali okungenzeka bangabi nayo imali engenayo yomuntu siqu eqinisekiswa kalula. Uma ungumtshali-zimali wezindlu ezithengiswayo ufuna indlela esebenza kahle kakhulu yokuxhasa ngezimali izakhiwo zakho, uhlelo lwemalimboleko ye-DSCR lungaba yisixazululo esifanele.

Ukuze ufunde kabanzi mayelana nohlelo lwemalimboleko ye-DSCR nokuthi lungazuzisa kanjani utshalomali lwakho lwezindlu ezithengiswayo, xhumana ne-AAA Lending namuhla.

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