Iyini i-DSCR Loan?

I-DSCR imele i-Debt Service Coverage Ratio, futhi iwumqondo obalulekile emhlabeni wezindlu ezibolekiwe kanye nokuxhaswa ngezimali kwezakhiwo. I-Debt Service Coverage Ratio iyimethrikhi yezezimali esetshenziswa ababolekisi ukuhlola amandla esakhiwo okukhiqiza imali engenayo eyanele ukumboza izibopho zaso zesikweletu, okuhlanganisa izinkokhelo zezindlu, izintela zendawo, umshwalense, nezindleko zokunakekela.

Isebenza kanjani i-DSCR?

Ngamagama alula, i-Debt Service Coverage Ratio ikala imali engenayo yokusebenza yendawo (NOI) ngokuqhathaniswa nezibopho zayo zesikweletu. Ibalwa ngokuhlukanisa i-NOI yendawo ngesevisi yayo yezikweletu. Uma i-DSCR iphezulu, yilapho ingenisa imali eyengeziwe impahla uma iqhathaniswa nesikweletu sayo, okubonisa ubungozi obuncane kubabolekisi.

Kungani I-DSCR Ibalulekile?

I-DSCR ibalulekile kubabolekisi ngoba ibasiza ukuthi bahlole ubungozi obuhambisana nokuboleka imali yokutshalwa kwezindlu. I-DSCR ephakeme iphakamisa ukuthi indawo yenza imali eyanele ukukhokhela izinkokhelo zayo zezikweletu, okuyenza ibe ukutshalwa kwezimali okuvikeleke kakhulu. Ngakolunye uhlangothi, i-DSCR ephansi ingase ibonise ukuntengantenga kwezimali kanye nengozi ephezulu yokuzenzakalelayo.

Ungabala kanjani i-DSCR?

Ukuze ubale i-Debt Service Coverage Ratio, landela lezi zinyathelo:

1. Nquma isamba semali engenayo yokusebenza kwendawo (i-NOI), okuyisamba semali engenayo ekhiqizwa isakhiwo susa izindleko zokusebenza ezifana nokunakekela, izinsiza, kanye nezinkokhelo zokuphatha izakhiwo.
2. Bala isamba sesevisi yesikweletu sendawo, okuhlanganisa izinkokhelo zezindlu, izintela zendawo, umshwalense, kanye nanoma yiziphi ezinye izibopho zesikweletu ezihlobene nendawo.
3. Hlukanisa i-NOI yendawo ngesevisi yayo yesikweletu esiphelele ukuze uthole i-DSCR.

Ukuhumusha Amanani e-DSCR

• I-DSCR
• I-DSCR = 1: Ibonisa ukuthi imali engenayo yendawo ifana ncamashi nezibopho zayo zesikweletu, ingashiyi isikhala sezindleko ezingalindelekile.
• I-DSCR > 1: Ibonisa ukuthi indawo yenza imali engenayo eningi kunaleyo edingekayo ukuze ikhave izibopho zayo zezikweletu, inikeze isivikelo sezindleko ezingalindelekile kanye nokubonisa ukuzinza kwezezimali.

Isiphetho

Kafushane, imali ebolekiwe ye-DSCR idlala indima ebalulekile ekuxhaseni ngezimali izindlu ezithengiswayo ngokuhlola umthamo ongenisa imali wendawo ohlobene nezibopho zayo zezikweletu. Ukuqonda i-DSCR kusiza abatshalizimali nababolekisi ukuthi benze izinqumo ezinolwazi mayelana nokutshalwa kwezimali kwezakhiwo kanye nokugunyazwa kwemali mboleko. Kwa-AAA LENDINGS, sinikeza izinhlobonhlobo zezinketho zezimali, okuhlanganisa ukubolekwa kwe-DSCR, ukusiza abatshalizimali bafinyelele izinjongo zabo zokutshalwa kwezindlu nomhlaba. Xhumana nathi namuhla ukuze ufunde kabanzi mayelana nemikhiqizo yethu yezindlu ezibolekiwe nokuthi singakusiza kanjani ekutholeni imali yendawo oyitshalile.

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.