12/04/2023

Isingeniso

Emhlabeni wokutshalwa kwezimali kwezakhiwo, izinketho zezimali zibalulekile.Phakathi kwalokhu,I-Debt Service Coverage Ratio (DSCR)ukubolekwa kwemali kuvela njengokushintsha umdlalo, ikakhulukazi kubantu bangaphandle abafuna amathuba okutshala imali.Ngokungafani nemikhiqizo yemalimboleko evamile, imali ebolekiwe ye-DSCR inikeza ukuguquguquka okuyingqayizivele, ihlinzekela uhla olubanzi lwabatshalizimali ngaphansi kohlelo lwe-Non-QM (Non-Qualified Mortgage).Le ndatshana icubungula ama-nuances emalimboleko ye-DSCR, igqamisa izinzuzo zabo ezingenakuqhathaniswa.

Ukuqonda Isilinganiso se-DSCR

I-DSCR, noma I-Debt Service Coverage Ratio, iwukuba ababolekisi bemethrikhi yezezimali abayisebenzisela ukuhlola ukugeleza kwemali etholakalayo ukuze bakhokhe izibopho zamanje zesikweletu.Iqhathanisa isamba semali engenayo yokusebenza yonyaka nensizakalo yesikweletu sempahla yendlu yonyaka, okuhlanganisa inhloko nenzalo.Lesi silinganiso sibalulekile kubabolekisi ekuhloleni ukusebenza kwemali mboleko ezimpahleni zokutshalwa kwezimali.I-DSCR ephakeme ikhombisa indawo esebenza kahle ngokwezimali, enikeza umqamelo kubabolekisi nababolekayo ngokufanayo.

Izinzuzo Zemalimboleko ye-DSCR
I-DSCRimali ebolekiwe ishintshashintsha, ikakhulukazi ngenxa yokuyekelela kwabo ekuqinisekiseni imali engenayo, izimbuyiselo zentela, nomlando wokuqashwa.Lokhu kubazuzisa kakhulu abantu bangaphandle kanye nabatshalizimali amaphrofayili abo ezezimali angahambelani nezidingo zendabuko zemalimboleko.Lezi zimali mboleko zigxile emandleni okungenisa imali endaweni esikhundleni semali etholwa umuntu, okuyenza ibe yinhle kumasu ahlukene okutshala imali.Ukwengeza, ukungabikho kwemibhalo ebanzi kusheshisa inqubo yokubolekwa kwemali, kusiza abatshalizimali ukuthi basebenzise amathuba ezimakethe ngesikhathi.

Kuchaziwe Uhlelo Okungeyona I-QM
Uhlelo lwe-Non-Qualified Mortgage luyahlukana nemibandela eqinile yezikweletu ezivamile.Izikweletu ezingezona ze-QM, njengeI-DSCR, zenzelwe ukunikeza ukuguquguquka nokufinyeleleka.Babhekelela ingxenye yababoleki okungenzeka babe nempahla eningi kodwa abangenayo imithombo yemali evamile.Kubantu bakwamanye amazwe, lolu hlelo luyisibani, olunikeza ukufinyelela kwezimali okungenzeka kungabi nakufinyeleleka.

Inqubo Elula: Ukwamukelwa Kokudluliselwa Kokuhlolwa
Enye yezinzuzo ezibaluleke kakhulu zeI-DSCRimali mboleko ukwamukelwa kokudluliswa kwe-appraisal.Le nqubomgomo ivumela ababoleki ukuthi basheshise inqubo yabo yokuboleka imali ngokusebenzisa ukuhlaziya okukhona kakade, okuyenza isheshe futhi yonge kakhulu.Lesi sici sizuzisa kakhulu ezimakethe zezindlu ezisheshayo, lapho isikhathi singaba nomthelela omkhulu empumelelweni yokutshalwa kwezimali.

I-Case Studies/Izindaba Eziyimpumelelo
Cabanga ngoJohn, umtshali-zimali wakwamanye amazwe, owazuza imali yokuqasha indawo enemali.Uxhaso lwendabuko lwezimali lwalungafinyeleleki ngenxa yesakhiwo sakhe esiyingqayizivele semali engenayo.Nokho, aI-DSCRimali ebolekiwe ihlole amandla emali engenayo yendawo, okumenza akwazi ukuthola uxhaso ngokushesha.Ngokufanayo, uMaria, umtshali-zimali wasekhaya, wasebenzisa i-appraisal transfer ukuze asheshise inqubo yakhe yokuboleka imali, okwamvumela ukuba avale indawo yokutshala imali emakethe encintisana kakhulu.

Isiphetho
I-DSCRizikweletu zigqama njengenketho yokuxhasa ngezimali eqinile, ikakhulukazi ngaphansi kohlelo lwe-Non-QM.Ukuvumelana nezimo zabo, inqubo elula, nokugxila emandleni ezakhiwo kunomlando wezezimali womuntu siqu kubenza babe ukukhetha okuhle kakhulu kubantu bangaphandle kanye nakubatshalizimali abahlukahlukene.Njengoba imakethe yezindlu nemizi ithuthuka, imalimboleko ye-DSCR iyaqhubeka nokunikeza indlela eguquguqukayo nefinyelelekayo yokutshalwa kwezimali kwezakhiwo.

Bizela Esenzweni
Uma uhlola amathuba okutshala izimali ku-real estate futhi ufuna umkhiqizo wemalimboleko ofanelana nezidingo zakho ezihlukile, cabangaI-DSCRumnikelo wemalimboleko.Xhumana nathi namuhla ukuze ufunde kabanzi futhi uqale uhambo lwakho oluya ekutshalweni kwezindlu eziyimpumelelo.

Ividiyo:Ukuvula Amathuba Ezindlu Ngemalimboleko ye-DSCR: Umhlahlandlela Ophelele Wezizwe Zangaphandle

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.