Kungani Khetha I-DSCR-Qualified CES Loan Yezakhiwo Ezingabanikazi Bazo

Abatshali bezindlu abafuna imali ebolekiwe okungebona abanikazi banethuluzi elinamandla Kumalimboleko Yesiphetho Sesibili Esivaliwe (CES), ikakhulukazi uma befaneleke ukusebenzisa i-Debt Service Coverage Ratio (I-DSCR). Lezi zimali mboleko ezisekelwe emalini etholwayo zibeka phambili iholo lokuqashisa kunezimali zomuntu siqu, zinikeza ukuguquguquka kokubolekwa kwemali okususelwa ekugelezeni kwemali. Nakhu ukuthi kungani imali mboleko ye-CES iyinketho ephezulu yezindawo zokutshala imali nokuthi zisebenza kanjani.

Imali mboleko ye-CES iyimalimboleko yesibili enesikhathi esinqunyiwe, elungele ukuxhasa ngezimali izakhiwo okungezona abanikazi ngaphandle kokukhipha imali eyongiwe. Ngokusebenzisa i-DSCR ukuze bafaneleke, ababolekisi bahlola imali engenayo yokuqasha yendawo ngokuqhathanisa nesamba sesikweletu sayo, okuhlanganisa kokubili izikweletu zezindlu. I-Debt Service Coverage Ratio ihlukanisa izimali eziqashiswayo zonyaka ngezibopho zesikweletu (oyinhloko, inzalo, izintela, nomshwalense). I-DSCR ka-1.2, isibonelo, isho ukuthi isakhiwo senza u-20% wemali engenayo eyengeziwe kunaleyo edingekayo, okuqinisekisa ababolekisi ngokubolekisa ngemali esekelwe ekungeneni kwemali.

Isici sokuqinisekisa ukuthi akukho mholo womuntu siqu sigqama. Kungakhathaliseki ukuthi uyazisebenza noma unemali eningi ebanjwayo, imali mboleko ye-CES ayidingi ama-stubs okukhokha noma izimbuyiselo zentela. Lesi sakhiwo semalimboleko esisekelwe kwimali engenayo sihlola irenti yemakethe noma izivumelwano zokuqashisa, senza kube lula ukugunyazwa. Futhi, imalimboleko ye-CES ingeyamazwe angaphandle etholakalayo, okuvumela abatshalizimali bamazwe ngamazwe bakwazi ukuxhasa ngezimali eziqashiswayo zase-US. Umuntu wangaphandle one-triplex ekhiqiza u-$6,000 nyanga zonke angase afanelekele I-Closed-End Second Second Loan ene-DSCR eqinile, akukho mholo wase-US odingekayo.

Izinketho ze-Piggyback ok zenza imali mboleko ye-CES ikhange nakakhulu. Abatshalizimali bangabhanqa I-Closed-End Second Second Loan ne-mortgage yokuqala ukuze bahlanganise inani elifinyelela ku-85% yenani lesakhiwo, kuncishiswe izinkokhelo eziphansi. Ngendawo yokutshalwa kwezimali engu-$400,000, imalimboleko yokuqala ingase ihlanganise u-$300,000, nge-CES yoxhaso lwemali mboleko engu-$80,000, kusale nje u-$20,000 uphume ephaketheni. Lokhu pGcinas imali yokuvuselela noma ukutholwa okusha.

Nakuba imali ebolekiwe ye-CES esekelwe ku-DSCR inikeza izinzuzo, ithwala inzalo ephakeme kunemali ebolekiwe yokuqala, futhi ababolekisi bangase balinganisele i-CLTV ukuze balawule ubungozi. Abatshalizimali kufanele futhi balondoloze ukusebenza kwemalimboleko okuqinile okungebona abanikazi, njengoba izikhala zingehlisa i-DSCR. Ukukhetha ukuqashwa okufunwa kakhulu kunciphisa lokhu, kuqinisekisa impumelelo yokubolekisa ngemali esekelwe kumalimboleko. Njengoba kungekho ukuqinisekiswa kwemali engenayo yomuntu siqu kanye nokufinyelela okutholakalayo kwezwe lakwamanye amazwe, Izimalimboleko Zesibili Ezivaliwe Zinika amandla abatshalizimali ukuthi bakhule ngamasu.