Kukulitsa Ndalama Zanu: Kumvetsetsa Chiyerekezo cha DSCR cha Anthu Akunja Ogulitsa Ku US Real Estate

Kuyika ndalama ku US malo ogulitsa nyumba kungakhale mwayi wopindulitsa kwa nzika zakunja. Komabe, kuyang'ana zovuta zandalama kungakhale kovuta, makamaka pankhani yomvetsetsa Debt Service Coverage Ratio (DSCR). Nkhaniyi ikufuna kuwunikira kuchuluka kwa DSCR komanso kufunikira kwake kwa anthu akunja omwe akufuna kugulitsa katundu waku America.

Kodi DSCR Ratio ndi chiyani?

Chiyerekezo cha DSCR, kapena Debt Service Coverage Ratio, ndi njira yofunika kwambiri yomwe obwereketsa amagwiritsa ntchito kuti awone kuthekera kwa malo ogulitsa kuti athe kubweza ngongole zake. M'malo mwake, imayesa ndalama zogwirira ntchito zapanyumba (NOI) mogwirizana ndi ngongole zake zonse. Chiŵerengero cha DSCR cha 1.0 chimasonyeza kuti nyumbayo imapanga ndalama zokwanira zolipirira ngongole zake, pamene chiŵerengero cha pamwamba pa 1.0 chimasonyeza zabwino.Malowedwe andalama, ndipo chiŵerengero chochepera 1.0 chimasonyeza kupereŵera komwe kungatheke.

Chifukwa chiyani DSCR Ratio Ndi Yofunika Kwa Akunja?

Kwa nzika zakunja, kumvetsetsa kuchuluka kwa DSCR ndikofunikira pazifukwa zingapo. Choyamba, zimathandizira kuwunika momwe chuma chingakhalire chachuma chomwe chingakhalepo. Chiŵerengero chapamwamba cha DSCR chikutanthauza kuti chiwopsezo chochepa kwa obwereketsa, zomwe zimapangitsa kuti zikhale zosavuta kuti anthu akunja apeze ndalama. Kachiwiri, chiŵerengero champhamvu cha DSCR chikhoza kutsogolera ku ngongole zabwino, monga chiwongoladzanja chochepa komanso ndalama zambiri za ngongole, zomwe zingathe kupititsa patsogolo phindu la ndalamazo.

Momwe Mungawerengere Ratio ya DSCR

Kuwerengera chiŵerengero cha DSCR kumaphatikizapo njira yowongoka:

DSCR Ratio=Ndalama Zonse Zogwirira Ntchito (NOI)Total Debt ServiceMtengo wa DSCR=Total Ngongole ServiceNdalama Zogwirira Ntchito (NOI).

Mwachitsanzo, ngati katundu akupanga $100,000 ku NOI ndipo ali ndi ngongole yapachaka ya $80,000, chiŵerengero cha DSCR chingakhale:

Chiyero cha DSCR=100,00080,000=1.25Mtengo wa DSCR=80,000100,000.=1.25

Chiŵerengerochi chikuwonetsa kuti nyumbayo imapanga ndalama zokwana 25% kuposa zomwe zimafunikira kuti akwaniritse ngongole zake, chizindikiro chabwino kwa obwereketsa.

Maupangiri kwa Akunja Kuti Akweze Chiyembekezo cha DSCR

1. Wonjezerani Ndalama Zobwereka: Kupititsa patsogolo kukopa kwa malowo pokonzanso kapena kutsatsa malonda kungakope anthu omwe amalipira kwambiri.
2. Chepetsani Ndalama Zoyendetsera Ntchito: Kukhazikitsa njira zochepetsera ndalama kumatha kulimbikitsa NOI, potero kuwongolera chiŵerengero cha DSCR.
3. Ngongole ya Refinance: Kukambitsirana za ngongole zabwinoko kapena kubweza ngongole zomwe zilipo kale ndi chiwongola dzanja chochepa kungachepetse ngongole yonse.

Mapeto

Kwa nzika zakunja, kumvetsetsa bwino za chiŵerengero cha DSCR ndikofunikira mukamagulitsa nyumba ku US. Metric iyi sikuti imangokhudza kuthekera kopeza ndalama komanso imakhudzanso phindu lonse lazachuma. Poyang'ana kwambiri kukonza chiŵerengero cha DSCR, osunga ndalama akunja atha kukulitsa mwayi wawo wochita bwino pamsika wampikisano waku US malo.

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