Ukuqonda i-DSCR kanye Nomthelela Wayo Kumali Ebolekiwe Yokutshalwa Kwezimali

Uma kuziwa ekuqinisekiseni i-utshalomaliI-mortgage, enye yezinto ezibaluleke kakhulu kubabolekisi yi-Debt Service Coverage Ratio (DSCR). Kubatshalizimali abafuna ukukhulisa iphothifoliyo yabo, ukuqonda i-DSCR kubalulekile ukuze kunqunywe ukufaneleka kwemalimboleko nokulawula ubungozi. Kulesi sihloko, sizohlola ukuthi i-DSCR isho ukuthini, ukuthi izithinta kanjani izakhiwo zokutshala izimali, nokuthi kungani kuyimethrikhi eyinhloko ekutholeni imali ebolekiwe.

Iyini i-DSCR?

I-Debt Service Coverage Ratio (DSCR) isilinganiso sezimali esisetshenziswa ababolekisi ukukala ikhono lomtshali-zimali lokumboza izibopho zabo zezikweletu ngemali engenayo etholakala esakhiweni. Ngamagama alula, isilinganiso semali engenayo yokusebenza kwendawo (i-NOI) kusevisi yayo yesikweletu (inani eliphelele lezinkokhelo zesikweletu okufanele zikhokhelwe). I-DSCR ka-1.0 isho ukuthi indawo yenza imali eyanele ukukhokhela izinkokhelo zezikweletu. I-DSCR engaphezu kuka-1.0 ikhombisa indawo eyenza imali engenayo eningi kunaleyo edingekayo ukuze ikhave izibopho zayo zezikweletu, okwehlisa ubungozi kubabolekisi.

Kungani I-DSCR Ibalulekile Ngezikweletu Zokutshalwa Kwezimali

Kubatshalizimali abafuna ukuthenga nomaI-Refinanceindawo, ukuqonda i-DSCR kubalulekile. Ababolekisi babhekisisa i-DSCR ukuze bahlole isimo sezimali sesakhiwo. I-DSCR ephakeme ikhombisa ukuthi indawo izinzile ngokwezimali futhi ingamboza izindleko zayo ngemali engenayo enqwabelene, okungase kuphumele emigomeni yemalimboleko engcono noma ukugunyazwa. Ngokuphambene, i-DSCR ephansi ikhombisa ukuthi imali engenayo yendawo ayihlanganisi izinkokhelo zayo zezikweletu, okungase kuholele emazingeni enzalo aphezulu noma emalimboleko enqatshiwe.

Lapho ufaka isicelo semali mboleko yotshalomali, i-DSCR idlala indima ebalulekile ekunqumeni ukuthi ingabe umebolekisi uzizwa eqiniseka ngekhono lomboleki lokukhokha imali ebolekiwe. Ababolekisi abaningi badinga i-DSCR okungenani engu-1.25 ezindaweni zokutshala izimali. Lokhu kusho ukuthi indawo kufanele ingenise imali engama-25% ngaphezulu kunezinkokhelo zezikweletu ezidingekayo.

Ungayithuthukisa kanjani i-DSCR

Abatshalizimali abafuna ukukhulisa i-DSCR yabo futhi bathuthukise amathuba abo okuthola imali ebolekiwe kufanele bagxile ekwandiseni iholo lendawo yabo noma ekwehliseni izindleko zokusebenza. Lokhu kungafinyelelwa ngokwandisa indawo yokuhlala, ukunciphisa izikhala, noma ukunciphisa izindleko ezingadingekile. Ukwengeza, ukubuyisela isikweletu esikhona ukuze kwehlise amanani enzalo nakho kungathuthukisa isilinganiso futhi kwenze indawo ikhange nakakhulu kubabolekisi.

Isiphetho

Emhlabeni wokuncintisana wezakhiwo zokutshala izimali, ukuqonda i-DSCR kubalulekile kubo bobabili ababolekisi nababolekayo. I-DSCR eqinile ingavula iminyango yezinketho ezingcono ze-mortgage, kuyilapho i-DSCR ebuthakathaka ingaletha izinselele ekutholeni imali. Kungakhathaliseki ukuthi ungumtshalizimali osemnkantshubomvu noma osanda kuqala, ukugxila ku-DSCR kuzosiza ekuqinisekiseni ukuthi indawo oyitshalile ihlala yenza inzuzo futhi ibhange.

Ukuze uthole ulwazi olwengeziwe mayelana nendlela i-DSCR ethinta ngayo izinketho zakho ze-mortgage yotshalomali, xhumana nathi kwa-AAA Lending ukuze ukhulume nomunye wochwepheshe bethu bezezindlu.

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