Dongosolo La Ngongole la DSCR: Ngongole Zobwereketsa Zopanda Misonkho Zosafunikira

Kwa osunga nyumba, kupeza ndalama zomwe sizimafunikira zolemba zambiri kungakhale kosintha. Imodzi mwazinthu zatsopano zothetsera zomwe zilipo masiku ano ndiDSCRpulogalamu yobwereketsa, yomwe imalola osunga ndalama kuti azitha kulandira ndalama potengera kuchuluka kwa ndalama za malowo m'malo mopeza ndalama zawo. Pulogalamuyi ndiyokongola kwambiri chifukwa siyifuna kubweza msonkho, kupangitsa kuti ntchitoyi ikhale yosavuta komanso yosavuta kwa iwo omwe sangakhale ndi ndalama zotsimikizirika. M'nkhaniyi, tifotokoza momwe pulogalamu ya ngongole ya DSCR imagwirira ntchito komanso momwe imapindulira ogulitsa nyumba.

Kodi DSCR Loan Program ndi chiyani?

Dongosolo la ngongole ya Debt Service Coverage Ratio (DSCR) ndi mtundu wapadera wangongole womwe umagwiritsidwa ntchito popanga ndalama. DSCR ndi chiŵerengero chandalama chomwe chimayesa mphamvu ya katundu kuti apeze ndalama zokwanira kuti athe kulipira ngongole yake (malipiro a ngongole). DSCR imawerengedwa pogawa ndalama zogwirira ntchito zapanyumba (NOI) ndi zonse zomwe zabweza ngongole. DSCR ya 1.0 imatanthawuza kuti nyumbayo imapanga ndalama zokwanira kukwaniritsa ngongole zake. DSCR yapamwamba imasonyeza kuti nyumbayo imapanga ndalama zambiri kuposa zomwe zimayenera kulipira ngongole yake.

Mu pulogalamu ya ngongole ya DSCR, obwereketsa amawunika momwe ndalama zimayendera ndikugwiritsa ntchito izi ngati chinthu chofunikira kwambiri pozindikira kuyenerera kwa ngongole. Izi zimalola osunga nyumba kuti apeze ndalama zotengera momwe nyumbayo ikugwirira ntchito m'malo mwa ndalama zomwe amapeza kapena msonkho.

Momwe DSCR Ngongole Program imagwirira ntchito

Dongosolo langongole la DSCR lidapangidwa kuti lichepetse njira yobwereketsa nyumba kwa osunga nyumba. Ngongole zachikale zimafuna zolemba zambiri za ndalama zomwe munthu amapeza, kuphatikiza zobweza zamisonkho, zikwatu zamalipiro, ndi zikalata zakubanki. Mosiyana ndi izi, pulogalamu ya ngongole ya DSCR imayang'ana kwambiri ndalama zomwe zimaperekedwa ndi malo ogulitsa.

M'malo mobwerezaKubweza Misonkhos kapena zikalata zina zandalama, wobwereketsa amawunika momwe angagulitsire katunduyo. Ngati ndalama zogulira katunduyo ndizokwanira kubweza ngongoleyo (monga momwe DSCR yamphamvu yasonyezera), wobwereketsayo atha kulandira ngongoleyo. Izi zimapangitsa kuti zikhale zosavuta kwa osunga ndalama omwe sangakhale ndi malipiro okhazikika kapena zolemba zolembedwa kuti apeze ndalama.

Ubwino Wopanda Kubweza Misonkho Kofunikira

Chimodzi mwazabwino kwambiri pa pulogalamu ya ngongole ya DSCR ndikuti sichifuna kubweza msonkho. Mapulogalamu obwereketsa achikhalidwe nthawi zambiri amafuna kubweza misonkho ngati njira yotsimikizira ndalama zomwe amapeza, zomwe zitha kutenga nthawi komanso zovuta kwa osunga ndalama omwe ali ndi katundu wambiri, anthu odzilemba okha, kapena omwe amapeza ndalama zosakhazikika. Ndi pulogalamu ya ngongole ya DSCR, zopingazi zimathetsedwa, kuwongolera njira ndikulola kuvomerezedwa mwachangu.

Izi ndizothandiza makamaka kwa osunga ndalama omwe mwina alibe ndalama zachikhalidwe kapena omwe ndalama zawo zimakhala zovuta kutsimikizira. Kaya ndinu eni ake abizinesi, odzichitira pawokha, kapena oyika ndalama omwe ali ndi ndalama zovuta, pulogalamu ya ngongole ya DSCR imapereka njira yosavuta yopezera ndalama.

Ndani Angapindule ndi Dongosolo La Ngongole la DSCR?

Dongosolo la ngongole ya DSCR ndi yabwino kwa anthu ambiri ogulitsa nyumba, kuphatikiza omwe ali ndi katundu wambiri, omwe amadzilemba okha ntchito, kapena osunga ndalama omwe si achikhalidwe. Pulogalamuyi idapangidwira osunga ndalama omwe angawonetse kuti katundu wawo ndi wodalirika pazachuma potengera kuchuluka kwandalama m'malo mopeza ndalama zawo.

Otsatsa omwe amapeza zovuta kuti athe kulandira ngongole zachikhalidwe chifukwa cha kusinthasintha kwa ndalama, kusowa kwa msonkho, kapena zovuta zachuma apeza pulogalamu ya ngongole ya DSCR ngati njira ina yolandirira. Limapereka njira yolunjika, yochepetsetsa yopezera ndalama potengera ndalama za nyumbayo, zomwe nthawi zambiri zimakhala chizindikiro chodalirika cha kuthekera kwa Investor kubweza ngongole.

Mapeto

Dongosolo langongole la DSCR limapereka mwayi waukulu kwa osunga nyumba popereka njira yosavuta yopezera ndalama. Poyang'ana kwambiri kayendetsedwe ka ndalama za malo ndi kuthetsa kufunikira kwa kubweza msonkho, pulogalamu ya ngongoleyi imathandizira ndondomeko yovomerezeka ndikutsegula mwayi kwa osunga ndalama omwe sangakhale ndi ndalama zotsimikizirika mosavuta. Ngati ndinu wogulitsa nyumba mukuyang'ana njira yabwino yopezera ndalama zanyumba zanu, pulogalamu ya ngongole ya DSCR ikhoza kukhala yankho labwino.

Kuti mudziwe zambiri za pulogalamu ya ngongole ya DSCR ndi momwe ingapindulire mabizinesi anu ogulitsa nyumba, lemberani AAA Lending lero.

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