12/04/2023

Pamsika wamakono wamakono wamalonda, kupeza njira yoyenera yopezera ndalama kungakhale kosintha, makamaka kwa osunga ndalama. ZathuDSCR (Debt Service Coverage Ratio)malonda a ngongole adapangidwa kuti apangitse ndalama zogulira malo kuti zitheke komanso zogwira mtima. Chida chapadera chazachuma ichi chimalola obwereketsa kuti agwiritse ntchito ndalama zobwereka kuti ayenerere kubwereketsa, kunyalanyaza kufunika kwa zolemba zakale. Nkhaniyi ifotokoza zamitundu yosiyanasiyana yazinthu zathu za DSCR komanso momwe zimakhalira pamsika.

DSCR ndi chiyani?

Debt Service Coverage Ratio (DSCR)ndi metric yandalama yomwe imagwiritsidwa ntchito kudziwa momwe ndalama zimayendera. Imayesa Chuma chapachaka cha Net Operating Income (NOI) motsutsana ndi ngongole zake zapachaka. Obwereketsa nthawi zambiri amagwiritsa ntchito DSCR kuti adziwe ngati wobwereka akuyenerera kubwereketsa ndalama zogulitsa nyumba. Ndi chizindikiro chofunikira kwambiri chosonyeza kuti wobwereka akhoza kubweza ngongoleyo. Nthawi zambiri, ngati DSCR ya malo sakukwaniritsa zofunikira za wobwereketsa, pempho la ngongole lingakanidwe. Komabe, njira yathu ndi yosiyana. Timapereka kusinthasintha, ngakhale pazinthu zomwe sizikukwaniritsa zofunikira zanthawi zonse zoyendetsera ndalama.

Zofunikira pakufunsira kwazinthu zathu za DSCR
ZathuDSCRZogulitsa zimafikiridwa ndi anthu osiyanasiyana. Ngati mphambu yanu ya FICO ndi 660 kapena kupitilira apo, ndinu oyenera kuyitanitsa. Timalandilanso nzika zakunja kuti zipemphe ngongole zathu za DSCR. Kuphatikiza apo, timapereka mawu ampikisano, kuphatikiza kubweza pang'ono kwa 20% ndi kubwereketsa mpaka 80%.

Nzika Zakunja ndi Katundu Wogulitsa
Ku AAA Lendings, timazindikira chikhalidwe chapadziko lonse cha ndalama zogulitsa nyumba. Anthu akunja sali oyenerera koma amalandiridwa kuti alembetse zathuDSCRngongole. Ndi ndalama zochepera 30% zokha, osunga ndalama akunja atha kuteteza malo awo osungira maloto ku US, zomwe zimapangitsa kuti ndalama zapadziko lonse lapansi zitheke kuposa kale.

Ngongole za DSCR Zobwereketsa Zakanthawi kochepa
The kusinthasintha wathuDSCRmalonda amafikira kumitundu yosiyanasiyana ya katundu, kuphatikiza omwe amagwiritsidwa ntchito kubwereka kwakanthawi kochepa. Kusintha kumeneku ndikopindulitsa kwambiri pamsika wamasiku ano, pomwe kubwereketsa kwakanthawi kochepa kumatha kukhala njira zopindulitsa kwambiri zogulira. Lumikizanani nafe kuti mumve zambiri za momwe ngongole zathu za DSCR zimathandizira gawoli.

Kuthana ndi Malipiro a Ngongole Apamwamba Kuposa Ndalama Zobwereketsa
Chodetsa nkhawa chofala kwa osunga ndalama ndi pamene ndalama zobwereketsa za malo zikulephera kubweza ngongole yanyumba. ZathuDSCRmankhwala amapereka njira 'palibe chiŵerengero', kuchepetsa nkhawa. Izi zimathandiza osunga ndalama kuti azitha kupeza ndalama popanda kupsinjika kapena kupitilira kubweza ngongole ndi ndalama zobwereka.

Kusavuta Kufunsira Ngongole Zathu za DSCR

Kufunsira aDSCRKubwereketsa ndi AAA Lendings ndikosavuta. Timalola katundu wambiri kuti ayenerere malinga ndi kayendetsedwe ka ndalama, kufewetsa ndondomeko yoyenerera. Njira imeneyi imatsegula mwayi kwa osunga ndalama ambiri kuti alowe mumsika wogulitsa nyumba.

Kodi Pulogalamu ya DSCR Imagwira Ntchito Motani?
ZathuDSCRNgongole zimagwira ntchito pansi pa Non-Qualified Mortgage framework, zomwe zimayang'ana kwambiri ndalama zomwe zimachokera ku ndalama zobwereka zomwe zimayembekezeredwa ndi malowo osati ndalama zomwe wobwereka amapeza. Mtunduwu ndiwopindulitsa makamaka kwa osunga ndalama omwe angakhale ndi chuma chambiri koma amapeza ndalama zosagwirizana. Potengera kuyenerera kwa ngongoleyo pazomwe zingapangire ndalama zomwe nyumbayo ingabweretse, timapereka njira yosinthika komanso yabwino kwa osunga ndalama.

Ubwino Wosankha Zogulitsa Zathu za DSCR Ngongole
Njira Yosavuta Yoyenerera: YathuDSCRNgongole sizifuna kutsimikizira ndalama zachikhalidwe, kubweza msonkho, kapena mbiri yantchito. Njira yosinthira iyi imapangitsa kuvomereza ngongole mwachangu komanso kosavuta.

Kufikika kwa Anthu Akunja: Timavomereza gawo lofunikira la osunga ndalama padziko lonse lapansi pamsika wogulitsa nyumba. Zogulitsa zathu za DSCR zidapangidwa kuti zikwaniritse zosowa za nzika zakunja, kuwapatsa mwayi wofanana kuti agwiritse ntchito katundu waku US.

Kusinthasintha pazandalama: Kaya njira yanu yopezera ndalama ikuphatikiza kubwereka kwa nthawi yayitali kapena nyumba zatchuthi kwakanthawi kochepa, ngongole zathu za DSCR zimatha kusinthidwa ndi mitundu yosiyanasiyana ya katundu ndi mitundu yoyika ndalama.

Palibe Chiyembekezo Chowonjezera Kusinthasintha: Njira ya 'palibe chiŵerengero' pansi pa malonda athu a DSCR imapereka mtendere wamaganizo kwa osunga ndalama, kuwonetsetsa kuti kusinthasintha kwa ndalama zobwereka sikulepheretsa ulendo wawo woika ndalama.

Migwirizano Yazachuma Yampikisano: Ndi zosankha monga kubweza pang'ono komanso kubwereketsa kwamtengo wapatali, ngongole zathu za DSCR zimakhala zokopa pazachuma, zomwe zimapangitsa kuti kugulitsa nyumba kukhale kotheka kwa omvera ambiri.

Thandizo la Njira Zogulitsa Zosiyanasiyana: Kaya ndinu ochita bizinesi odziwa zambiri kapena mwangobwera kumene kumsika wogulitsa nyumba, ngongole zathu za DSCR zimathandizira njira zingapo zoyendetsera ndalama, kuyambira nyumba zabanja limodzi kupita ku malo ambiri.

Mapeto
ZathuDSCRkatundu wangongole ndi umboni wakudzipereka kwathu popereka mayankho anzeru komanso ofikirika azachuma kwa osunga nyumba. Ndi zinthu monga kutsimikizira kuti palibe ndalama zomwe amapeza, kusinthasintha kwa nzika zakunja, komanso kusinthika kumitundu yosiyanasiyana ya katundu, tikuwunikiranso momwe mabizinesi amagwirira ntchito. Ngati mukuyang'ana kuti muyambe kapena kukulitsa ulendo wanu wobwereketsa malo, ngongole zathu za DSCR zimakupatsirani kusinthasintha, kumasuka, komanso kukopa ndalama.

Tengani Njira Yotsatira

Okonzeka kufufuza zotheka ndi wathuDSCRmankhwala angongole? Lumikizanani ndi AAA Lendings lero ndikuchitapo kanthu kuti mukwaniritse zomwe mukufuna kugulitsa nyumba ndi nyumba. Ndi ukatswiri wathu komanso njira zopezera ndalama, zolinga zanu zandalama zingatheke.

Kanema:Kukulitsa Mabizinesi Ogulitsa Malo ndi Zogulitsa Zathu Zatsopano za DSCR Ngongole

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 zomaliza zomwe zili pano zili zogwirizana ndi momwe alili. Invest molingana ndi chiopsezo chanu.