Amandla e-DSCR kanye Nokuqinisekiswa Kwemali Engenayo Emalini Ebolekiwe Yokutshalwa Kwezimali

Kubatshalizimali bezindlu ezithengiswayo e-US, ukuthola imali ebolekiwe efanele ngokuvamile kungaba inqubo eyinkimbinkimbi futhi edla isikhathi. Kodwa-ke, izici ezimbili ezibalulekile—Isikweleti Service Coverage Ratio (I-DSCR) futhi akukho ukuqinisekiswa kwemali engenayo—kungenza inqubo yokugunyaza ibe lula futhi inikeze ukuguquguquka. Lezi zici zivumela abatshalizimali ukuthi bathole uxhaso ngokusekelwe emandleni emali engenayo yendawo, kunemininingwane yemali engenayo yomuntu siqu. Kulesi sihloko, sizoxoxa ngokuthi i-DSCR futhi akukho mali ebolekiwe yokuqinisekisa imali engenayo ingakuzuzisa kanjani ukuthenga kwakho kwendawo oyitshalile.

Iyini i-DSCRutshalomaliIzindlu zokuhlala?

I-Debt Service Coverage Ratio (DSCR) iyimethrikhi ebalulekile esetshenziswa ababolekisi ukuze bahlole ikhono lendawo yokutshala imali lokukhiqiza imali engenayo eyanele ukumboza izibopho zayo zezikweletu. Empeleni, iqhathanisa imali engenayo yokusebenza yendawo (i-NOI) nensizakalo yesikweletu sayo (inani lezinkokhelo ze-mortgage). I-DSCR ka-1.0 isho ukuthi imali engenayo yendawo yanele ukukhokhela izinkokhelo zezikweletu. I-DSCR engaphezu kuka-1.0 ibonisa ukuthi indawo yenza imali engenayo eningi kunaleyo edingekayo ukuze kukhave isikweletu, okunciphisa ubungozi kubabolekisi.

Kubatshalizimali, ukugcina i-DSCR enempilo—imvamisa ebalelwa ku-1.25 noma ngaphezulu—kungakhuphula amathuba abo okuthola imali ebolekiwe ngemibandela evumayo. Kubonisa ukuthi indawo yokutshala izimali izinzile ngokwezimali futhi iyakwazi ukukhiqiza ukungena nokuphuma kwemali okwanele.

Akukho Ukuqinisekiswa Kwemali Engenayo: Inzuzo Eyinhloko Yabatshalizimali

Izicelo zendabuko zokubolekwa kwezindlu ngokuvamile zidinga ukuthi abatshalizimali banikeze ubufakazi bemali engenayo ngezimbuyiselo zentela, izigaxa zokukhokha, namanye amadokhumenti ezezimali. Kodwa-ke, azikho izimali zokubolekwa zokuqinisekisa imali engenayo ezisusa le mfuneko, zigxile ngokuphelele ekusebenzeni kwezimali kwendawo yokutshala izimali ngokwayo. Lokhu kuzuzisa kakhulu kubatshalizimali abanezakhiwo eziningi, abazimele, noma abanikazi bamabhizinisi okungenzeka bangabi nawo imibhalo yemali engenayo etholakala kalula.

Ngokusebenzisa indlela yokuqinisekisa ukuthi ayikho imali engenayo, ababolekisi bagxila emalini engenayo yendawo (njengemali eqashisayo noma inzuzo evela ekusebenzeni kwendawo), okuyinkomba enokwethenjelwa yekhono lomtshali-zimali lokukhokha imali ebolekiwe. Ikhono lesakhiwo sokugcina i-DSCR eqinile liba inkomba yokufaneleka eyinhloko, kunesimo sezimali somtshali-zimali.

Indlela I-DSCR Nokuqinisekiswa Kwemali Engenayo Kusebenza Ngayo Ndawonye

Lapho i-DSCR futhi kungekho ukuqinisekiswa kwemali engenayo kuhlanganisiwe, abatshalizimali bezindlu ezithengiswayo bayazuza enqubweni ehlelekile yokufaka isicelo se-mortgage. Njengoba umbolekisi egxile emalini engenayo yendawo kunesizinda sezimali somtshali-zimali, ababoleki akudingeki banikeze imibhalo eningi yemali engenayo. Inqobo nje uma indawo ingenisa imali eyanele yokuvala isikweletu (njengoba kuboniswe yi-DSCR), abatshalizimali bangakwazi ukuthola uxhaso lwezimali ngaphandle kokuqinisekisa imali yabo engenayo.

Isibonelo, umtshali-zimali onezindawo ezimbalwa eziqashisayo futhi onemifudlana yemali engenayo engavamile angase akuthole kuyinselele ukunikeza ukuqinisekiswa kwemali engenayo okungokwesiko. Kodwa-ke, uma indawo yokutshala imali okukhulunywa ngayo ine-DSCR engu-1.25 noma ngaphezulu, indawo ngokwayo izobonakala njengotshalomali oluvikelekile, okuvumela umtshali-zimali ukuthi adlule ukuqinisekiswa kwemali engenayo yomuntu siqu.

Kungani Lokhu Kuzuzisa Abatshalizimali

Enye yezinzuzo eziyinhloko ze-DSCR futhi akukho ukuqinisekiswa kwemali engenayo ukuthi abatshalizimali bangakwazi ukufinyelela uxhaso ngokushesha nakalula. Ngezimfuneko ezimbalwa zamadokhumenti, inqubo yokugunyazwa kwempahla mboleko iyasheshiswa, okusiza abatshalizimali ukuthi bahambe ngokushesha ekuthathweni kwezakhiwo. Ukwengeza, le nketho ivumela abatshalizimali ukuthi bagxile enzuzweni yezakhiwo zabo kunokuba babhekane nobunzima bokuqinisekisa imali engenayo.

Ngaphezu kwalokho, kubatshalizimali abanezakhiwo eziningi, ukusebenzisa i-DSCR njengemethrikhi eyinhloko kuqinisekisa ukuthi indawo ngayinye ihlolwa ngokusekelwe emandleni ayo emali engenayo esikhundleni sesimo sezimali somtshali-zimali. Lokhu kuyinzuzo enkulu kulabo abafuna ukukhulisa amaphothifoliyo abo ngaphandle kobunzima bokufakazela imali engenayo yomuntu siqu.

Isiphetho

I-DSCR futhi azikho izinketho zokuqinisekisa imali engenayo inikeza isixazululo esiyingqayizivele nesinenzuzo kubatshalizimali bezindlu ezithengiswayo abafuna ukuthola uxhaso lwezimali lwezakhiwo zokutshalwa kwezimali. Ngokugcizelela ikhono lendawo lokukhiqiza imali kanye nokwenza lula inqubo yokufaka isicelo, abatshalizimali bangathola uxhaso ngokushesha ngaphandle kwesidingo sokuqinisekiswa kwemali engenayo yomuntu siqu. Le ndlela yenza kube lula ukutshala izimali ezithengiswayo, ukwandisa iphothifoliyo, nokwakha ingcebo yesikhathi eside.

Ukuze ufunde kabanzi mayelana nokuthi i-DSCR futhi akukho ukuqinisekiswa kwemali engenayo okungakusiza ukuthi uvikele i-mortgage engcono kakhulu yokutshala imali, xhumana nathi namuhla! Ithimba lethu lochwepheshe likhona ukuze likuqondise enqubweni yokubolekwa kwezindlu futhi likusize uvikele uxhaso lwezimali oludingayo.

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