12/04/2023

Moni, anzanu okonda bizinesi!Lero, tiyeni tilowe munkhani yomwe ili yosangalatsa monga momwe ilili yofunika kwambiri pazachuma:Ngongole-Service Coverage Ratio (DSCR).Ganizirani izi ngati tracker yanu yolimbitsa thupi, koma m'malo mowerengera masitepe kapena kuyang'anira kugunda kwa mtima, tikuyesa kugunda kwachuma kwa bizinesi yanu.Chifukwa chake, valani nsapato zanu, ndipo tiyeni tiyambe ulendo wopatsa mphamvuwu kudutsa dziko la DSCR.

Kuyamba pa DSCR Adventure

Tangoganizani kuti mukuyamba ulendo wopita kudziko lazachuma.Inde, ndiDSCRChiŵerengero chili ngati chounikira chachitali kwambiri, chowongolera zombo (mabizinesi) mosatekeseka pamavuto azachuma.Si miyeso chabe;ndi chowunikira chomveka bwino muzovuta zachuma zamakampani.

Chinsinsi cha DSCR: Kuphatikiza Kwa manambala Osavuta
M'malo mwake, ndiDSCRformula ndi yosavuta, komabe imakhala ndi tanthauzo lalikulu:

DSCR=Ndalama Zonse Zogwirira Ntchito/Nthawi Zonse za Ngongole

Ganizirani za Net Operating Income monga malipiro abizinesi yanu tsiku ndi tsiku, kuchotsera ndalama zoyendetsera ntchito, koma zovuta za chiwongola dzanja ndi misonkho zisanayambike. Total Debt Service ili ngati bilu yonse yomwe bizinesi yanu ikuyenera kulipira ngongole zake - zonse ziwiri. principal ndi chidwi.Zonse zimangoyang'ana ngati ndalama zabizinesi yanu ndizokwanira kuti zikweze ngongole zake.

Kufunika kwa DSCR: Chifukwa Chake Ndilo Ntchito Yaikulu
Lending's Litmus Test: Kwa obwereketsa, olimbaDSCRchigoli chili ngati kupeza golide.Zimawatsimikizira kuti bizinesi yanu singongowonjezera ngongole zake komanso kutero mosavuta komanso mwachisomo.
Radar ya Investors: Kwa osunga ndalama, chiŵerengero champhamvu cha DSCR chimawonetsa bizinesi yomwe singopulumuka, koma ikuchita bwino.Zili ngati maginito kukopa ndalama zomwe zingatheke.
Strategic Compass for Businesses: Kwa woyendetsa bizinesi wanzeru, DSCR imagwira ntchito ngati kampasi yanzeru.Imatsogolera zisankho zakukulitsa, kugulitsa, kapena kusunga maphunziro.Ndi North Star yazachuma kuthandiza mabizinesi kukhalabe panjira yopita kuchipambano.

DSCR M'dziko lenileni: Chithunzi Chothandiza
Tiyeni tijambule chithunzi: Tangoganizirani zaukadaulo woyambira ndi ndalama zokwana $500,000 komanso ngongole zokwana $250,000.Dulani manambala amenewo, ndipo mumapeza DSCR ya 2.0.M'mawu a layman, kuyambika uku kumalandira ndalama zowirikiza kawiri momwe zimafunikira kubweza ngongole zake.Umenewo ndi ndalama zapamwamba!

Mawonekedwe Awiri a DSCR: Zabwino ndi Zoyipa

• Zabwino:

1. Makina anthawi yazachuma: DSCR imakuthandizani kuyang'anira momwe ndalama zikuyendera pakapita nthawi.
2. Chiyerekezo chapadziko lonse lapansi: Ndizoyenera kufananiza ndi anzawo akumakampani.
3. Chithunzi chonse chandalama: DSCR ikuphatikiza zonse zangongole, kupereka cheke chokwanira chaumoyo.

• Zoyipa:

1. Zosawona: Zitha kunyalanyaza zinthu zina monga ndalama zamisonkho.
2. Zovuta pang'ono: Sichiwerengero chosavuta kwambiri pa block.
3. Palibe kukula kumodzi: Obwereketsa osiyanasiyana amatha kukhala ndi ma benchmarks osiyanasiyana a DSCR.

Kulimbikitsa Wothandizira: Zinthu Zomwe Zimakhudza DSCR
AnuDSCRzitha kukhudzidwa ndi zinthu zosiyanasiyana, kuyambira momwe bizinesi yanu imagwirira ntchito moyenera mpaka kusintha kwa chiwongola dzanja chamsika.Zili ngati dongosolo lazachuma momwe zinthu zosiyanasiyana zimayenderana kuti zitsimikizire kuthekera kwa kampani yanu kuthana ndi ngongole zake.

Kumaliza: Kuyenda pa Nyanja Zachuma ndi DSCR
Kumvetsetsa ndi kugwiritsa ntchitoDSCRchiŵerengero chili ngati kukhala ndi mphunzitsi waumwini pazachuma cha bizinesi yanu.Ndi chida chomwe sichimangothandiza kuthana ndi mavuto azachuma komanso kupita ku tsogolo lakukula ndi chitukuko.Kaya mukuyang'anira kampani yayikulu kapena mukuyambitsa bizinesi yaying'ono, kuyang'anitsitsa DSCR yanu kungakutsogolereni kukhazikika pazachuma komanso kuchita bwino.

Chifukwa chake, muli nacho - kufufuza kosangalatsa kwaDSCRchiŵerengero.Ndizoposa kuchuluka kwachuma;ndi nkhani ya luso lazachuma la bizinesi yanu, nkhani yomwe mutha kuyiwongolera kuti mupambane.Sungani chida ichi muzosungira zanu, ndikuwona bizinesi yanu ikuyenda molimba mtima kupita ku tsogolo labwino.Apa ndi momwe mungayendetse bwino paulendo wanu wamabizinesi!

Kanema:Kujambula Ratio ya DSCR: Tracker Yanu Yachuma

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.