Kukulitsa Kuthekera Kwakatundu Wanu Wogulitsa: Kumvetsetsa Chiwopsezo cha Ngongole Yantchito ndi Mapulogalamu Osakhala a QM

Kuyika ndalama muzogulitsa nyumba kungakhale luMtengo CRAmalonda, makamaka ku United States komwe msika ndi wosiyanasiyana komanso wamphamvu. Komabe, kuti muwonetsetse kuti zinthu zikuyenda bwino, ndikofunikira kumvetsetsa njira zazikulu zachuma ndi mapulogalamu a ngongole omwe angakhudze ndalama zanu. Mfundo ziwiri zofunika kwambiri kwa osunga malo ogulitsa nyumba ndi Debt Service Coverage Ratio (DSCR) ndi Non-QM mapulogalamu. M'nkhaniyi, tiwona momwe zinthuzi zingakuthandizireni kukulitsa luso lanu loyika ndalama.

Kodi Debt Service Coverage Ratio (DSCR) ndi chiyani?

Debt Service Coverage Ratio (DSCR) ndi njira yandalama yomwe amagwiritsidwa ntchito ndi obwereketsa kuwunika momwe katundu alili kuti apeze ndalama zokwanira kubweza ngongole zake. Kwenikweni, DSCR imawerengedwa pogawa ndalama zogwirira ntchito zapanyumba (NOI) ndi ngongole zake zonse. DSCR ya 1.0 imatanthawuza kuti nyumbayo imapanga ndalama zokwanira kubweza ngongole yake, pomwe DSCR yokulirapo kuposa 1.0 ikuwonetsa zowonjezera,ndalamazowopsa kwa obwereketsa.

Mwachitsanzo, ngati malo anu osungiramo ndalama ali ndi ndalama zokwana madola 100,000 ndi malipiro apachaka a $ 80,000, DSCR idzakhala 1.25. Chiŵerengerochi chikusonyeza kuti nyumbayo imapanga ndalama zokwana 25% kuposa zomwe zimafunikira kuti athe kubweza ngongole yake, zomwe zimakhala zabwino kuti apeze ndalama.

Kufunika kwa DSCR mu Real Estate Investment

Kumvetsetsa ndi kukhathamiritsa DSCR yanu ndikofunikira pazifukwa zingapo:

1. Kuvomereza Ngongole: Obwereketsa nthawi zambiri amafuna DSCR yochepa kuti avomereze ngongole. DSCR yapamwamba imawonjezera mwayi wanu wopeza ndalama.
2. Chiwongola dzanja: Katundu wokhala ndi ma DSCR okwera amatha kulandira chiwongola dzanja chochepa, kuchepetsa ndalama zonse zobwereka.
3. Health Health: DSCR yolimba imawonetsa kuyenda bwino kwandalama, zomwe zimapangitsa kuti ndalama zanu zikhale zolimba pakusinthasintha kwa msika.

Kuwona Mapulogalamu Osakhala a QM

Mapulogalamu a Non-QM (Non-Qualified Mortgage) amapangidwira obwereka omwe samakwaniritsa zofunikira zangongole zachikhalidwe. Mapulogalamuwa amapereka kusinthasintha pokhudzana ndi kutsimikizira ndalama, kuchuluka kwa ngongole, komanso kuchuluka kwa ngongole zomwe amapeza, zomwe zimawapangitsa kukhala njira yabwino kwa osunga nyumba.

Ubwino Wamapulogalamu Osakhala a QM kwa Ogulitsa

1. Kutsimikizika kwa Ndalama Zosinthika: Mapulogalamu omwe si a QM nthawi zambiri amavomereza zolemba zina zopeza ndalama, monga masitatimenti akubanki kapena ndalama zobwereka, zomwe zingakhale zopindulitsa kwa anthu odzilemba okha ntchito.
2. Credit Score Flexibility: Otsatsa omwe ali ndi ngongole zocheperako kuposa momwe angakwaniritsire ngongole za Non-QM, zomwe zimapatsa mwayi wopeza ndalama zambiri.
3. Malire a Ngongole Apamwamba: Mapulogalamu omwe si a QM atha kukupatsani malire angongole apamwamba, kulola osunga ndalama kuti azipeza ndalama zazikulu kapena zingapo.

Kuphatikiza Mapulogalamu a DSCR ndi Non-QM

Pomvetsetsa DSCR ya malo anu komanso kugwiritsa ntchito mapulogalamu a Non-QM, mutha kupititsa patsogolo njira yanu yoyendetsera ndalama. DSCR yokwera imatha kukulitsa mwayi wanu kuti muyenerere ngongole za Non-QM, pomwe kusinthasintha kwa mapulogalamuwa kungakuthandizeni kupeza ndalama ngakhale ngongole zachikhalidwe sizingachitike.

Pomaliza, kudziwa bwino mfundo za Debt Service Coverage Ratio and Non-QM programme ndikofunikira kwa wogulitsa nyumba aliyense yemwe akufuna kukulitsa mwayi wawo wopeza ndalama ku United States. Mukamayang'ana kwambiri zinthu zofunikazi, mutha kupanga zisankho mwanzeru, kupeza ndalama zabwino, ndikuchita bwino pamabizinesi anu ogulitsa nyumba.

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