Mphamvu ya DSCR ndi Palibe Kutsimikizira Ndalama mu Investment Mortgages

Kwa ogulitsa nyumba ku US, kupeza ngongole yoyenera nthawi zambiri kumakhala kovuta komanso kotengera nthawi. Komabe, zinthu ziwiri zofunika - Debt Service Coverage Ratio (DSCR) ndipo palibe chitsimikiziro cha ndalama—chingafewetse njira yovomerezera ndikupereka kusinthasintha. Zinthu izi zimalola osunga ndalama kupeza ndalama potengera momwe malowo amapezera, m'malo motengera zomwe amapeza. M'nkhaniyi, tikambirana momwe DSCR komanso palibe ndalama zotsimikizira ndalama zomwe zingapindulire pogula katundu wanu.

Kodi DSCR ndi chiyanindalamaNgongole zanyumba?

Debt Service Coverage Ratio (DSCR) ndi njira yofunika kwambiri yomwe obwereketsa amagwiritsa ntchito kuti awone kuthekera kwa malo ogulitsa kuti apeze ndalama zokwanira kubweza ngongole zake. M'malo mwake, imayerekeza ndalama zogwirira ntchito zapanyumba (NOI) ndi ngongole zake (zolipira zonse zanyumba). DSCR ya 1.0 imatanthawuza kuti ndalama zomwe nyumbayo zimapeza ndizokwanira kulipira ngongoleyo. DSCR yoposa 1.0 imasonyeza kuti katunduyo amalandira ndalama zambiri kuposa zomwe zimafunika kuti athe kubweza ngongole, zomwe zimachepetsa chiopsezo cha obwereketsa.

Kwa osunga ndalama, kukhala ndi DSCR yathanzi-nthawi zambiri pafupifupi 1.25 kapena kupitilira apo-kutha kuwonjezera mwayi wawo wopeza ngongole ndi mawu abwino. Zimasonyeza kuti malo osungiramo ndalama ndi okhazikika pazachuma ndipo amatha kupanga ndalama zokwanira.

Palibe Kutsimikizira Ndalama: Phindu Lofunika Kwambiri kwa Ogulitsa

Ntchito zobwereketsa zachikhalidwe nthawi zambiri zimafuna kuti osunga ndalama apereke umboni wa ndalama zomwe amapeza kudzera muzobweza zamisonkho, zolipira, ndi zolemba zina zachuma. Komabe, palibe ngongole zanyumba zotsimikizira ndalama zomwe zimachotsa izi, ndikungoyang'ana kwambiri momwe ndalama zimagwirira ntchito pawokha. Izi ndizopindulitsa makamaka kwa osunga ndalama omwe ali ndi katundu wambiri, odziyimira pawokha, kapena eni mabizinesi omwe mwina alibe zolemba zachikhalidwe zomwe zimapezeka mosavuta.

Pogwiritsira ntchito njira yotsimikizira kuti palibe phindu, obwereketsa amayang'ana kwambiri ndalama zomwe nyumbayo imapeza (monga ndalama zobwereketsa kapena phindu kuchokera ku ntchitoyo), chomwe ndi chizindikiro chodalirika cha kuthekera kwa wobwereketsa kubweza ngongoleyo. Kuthekera kwa katunduyo kukhalabe ndi DSCR yolimba kumakhala kofunika kwambiri, m'malo mokhala ndi ndalama zomwe woyimilirayo ali nazo.

Momwe DSCR ndi Palibe Kutsimikizira Ndalama Zimagwirira Ntchito Pamodzi

DSCR ikaphatikizidwa ndipo palibe kutsimikizira ndalama, osunga malo amapindula ndi njira yosinthira yobwereketsa ngongole. Popeza wobwereketsa amayang'ana kwambiri ndalama zomwe mwiniwake amapeza m'malo motengera momwe amapezera ndalama, obwereketsa safunikira kupereka zolemba zambiri zandalama. Malingana ngati katunduyo akupeza ndalama zokwanira kuti athe kubweza ngongoleyo (monga momwe DSCR yasonyezera), osunga ndalama akhoza kulandira ndalama popanda kutsimikizira ndalama zawo.

Mwachitsanzo, wobwereketsa yemwe ali ndi malo angapo obwereketsa komanso omwe amapeza ndalama mosakhazikika atha kupeza zovuta kuti atsimikizire kuti amapeza ndalama. Komabe, ngati malo opangira ndalama omwe akufunsidwawo ali ndi DSCR ya 1.25 kapena kupitilira apo, malowo adzawoneka ngati ndalama zotetezedwa, zomwe zimalola wobwereketsa kuti adutse kutsimikizira komwe amapeza.

Chifukwa Chake Izi Ndi Zopindulitsa Kwa Ogulitsa

Chimodzi mwazabwino zazikulu za DSCR ndipo palibe kutsimikizira ndalama ndikuti osunga ndalama amatha kupeza ndalama mwachangu komanso mosavuta. Pokhala ndi zofunikira zolembera zocheperako, njira yovomerezera kubwereketsa ngongole imafulumira, kuthandiza osunga ndalama kuti ayende mwachangu pakugula katundu. Kuphatikiza apo, njira iyi imalola osunga ndalama kuyang'ana phindu la katundu wawo m'malo molimbana ndi zovuta zotsimikizira ndalama zachikhalidwe.

Komanso, kwa osunga ndalama omwe ali ndi katundu wambiri, kugwiritsa ntchito DSCR monga metric yoyambira kumawonetsetsa kuti katundu aliyense akuwunikidwa malinga ndi momwe angapezere ndalama m'malo motengera momwe amapezera ndalama. Uwu ndi mwayi waukulu kwa iwo omwe akufuna kukulitsa ma portfolio awo popanda kuvutikira kutsimikizira ndalama zawo.

Mapeto

DSCR ndipo palibe njira zotsimikizira ndalama zomwe amapereka zimapereka yankho lapadera komanso lopindulitsa kwa ogulitsa nyumba omwe akufuna kupeza ndalama zogulira katundu. Pogogomezera kuthekera kopeza ndalama kwa malowo komanso kufewetsa njira yofunsira, osunga ndalama atha kupeza ndalama mwachangu popanda kutsimikizira ndalama zomwe amapeza. Njirayi imapangitsa kuti kukhale kosavuta kugulitsa malo, kukulitsa ma portfolio, ndikupanga chuma chanthawi yayitali.

Kuti mudziwe zambiri zamomwe DSCR komanso kutsimikizira kuti palibe ndalama zomwe mungapeze zingakuthandizireni kupeza ngongole yabwino kwambiri yobwereketsa, lemberani lero! Gulu lathu la akatswiri lili pano kuti likuwongolereni njira yobwereketsa nyumba ndikukuthandizani kupeza ndalama zomwe mukufuna.

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