Njira Zapamwamba Zogwiritsira Ntchito Ngongole za DSCR-Qualified CES Kuti Muchepetse Ndalama Zogulitsa

Kwa omwe ali ndi malo ogulitsa nyumba, Ngongole za Closed-End Second (CES) zoyenerera kudzera mu Debt Service Coverage Ratio (DSCR) ndi chida chothandizira kukulitsa zinthu zomwe sizikhala eni eni. Ngongole zotengera malowa zimagwiritsa ntchito ndalama zobwereketsa, kunyalanyaza macheke omwe munthu amapeza pakubwereketsa kotengera ndalama. Tiyeni tilowe munjira zapamwamba kuti tithandizire ngongole za CES kuti zikule.

Ngongole ya CES ndi ngongole yobwereketsa yanthawi yayitali yokhazikitsidwa ndi ngongole zomwe si eni eni, ndi ziyeneretso zochokera ku DSCR. Debt Service Coverage Ratio ikuyerekeza ndalama zobwereketsa za nyumba ndi ngongole yake, kuphatikiza zolipira zoyamba ndi zachiwiri zanyumba. DSCR ya 1.25 imawonetsa kuyenda kwamphamvu kwandalama, osunga ndalama oyenerera ku ngongole za Closed-End Second popanda kutsimikizira ndalama zomwe munthu amapeza. Njira yobwereketsa yotengera ndalama iyi imalola osunga ndalama kuti aziyang'ana kwambiri momwe katundu amagwirira ntchito, osati zandalama zawo.

Njira imodzi ndikugwiritsa ntchito zida za piggyback ok kuti muwonjezere mwayi. Kuphatikizira ngongole ya CES ndi ngongole yoyamba yobwereketsa kutha kupeza ndalama zokwana 85% za mtengo wanyumbayo, kuchepetsa mtengo wam'mbuyo. Pa renti ya $600,000, ngongole yoyamba ya $450,000 ndi $90,000 Yotseka-Mapeto Yachiwiri Yangongole ingosiyani $60,000 yokha, ndikumasula ndalama zochulukirapo. Njira ina ndikukonzanso ndalama ndi ngongole za CES kuti zikweze lendi, kukweza DSCR kuti mupeze ndalama zamtsogolo.

Zosankha zakunja zomwe zilipo zimatsegula zitseko kwa osunga ndalama padziko lonse lapansi. Mdziko lakunja litha kugwiritsa ntchito ngongole ya CES kulipirira katundu wa mabanja ambiri aku US okhala ndi DSCR ya 1.4, kudalira ndalama zobwereka. Palibe njira yotsimikizira ndalama zomwe munthu amapezazi zimathandizira kuyika ndalama m'malire, popeza obwereketsa amaika patsogolo ngongole zanyumba kuposa umboni wa ndalama zomwe amapeza.

Opanga ndalama zapamwamba amathanso kugwiritsa ntchito ngongole za CES pakubweza ndalama. Pogwira ntchito yobwereketsa yochita bwino kwambiri, ngongole ya Closed-End Second ikhoza kulipira zogula zatsopano popanda kusokoneza ngongole zoyamba zotsika mtengo. Mwachitsanzo, ngongole ya $200,000 CES pa malo okhazikika ikhoza kulipiranso renti yachiwiri, kukulitsa ngongole zomwe si eni eni ake.

Zowopsa zimaphatikizanso kuchuluka kwa ngongole za CES komanso kutsika kwa DSCR komwe kungachitike, chifukwa chake osunga ndalama ayenera kuyang'ana misika yobwereketsa. Obwereketsa amathanso kubweza ngongole (mwachitsanzo, $500,000) kapena CLTV pa 75%. Komabe, ndi kusinthasintha kwa piggyback ok komanso mwayi wopezeka kumayiko akunja, DSCR-qualified Closed-End Second Ngongole ndi chida chothandizira kukulitsa kubwereketsa kotengera ndalama.