Kumvetsetsa DSCR ndi Impact Yake pa Ngongole Zazachuma

Zikafika pachitetezo chandalamaKubweza ngongole, chimodzi mwazinthu zofunika kwambiri kwa obwereketsa ndi Debt Service Coverage Ratio (DSCR). Kwa osunga ndalama omwe akufuna kukulitsa mbiri yawo, kumvetsetsa DSCR ndikofunikira kuti muwone ngati ali woyenera kubwereketsa ndikuwongolera zoopsa. M'nkhaniyi, tiwona zomwe DSCR imatanthauza, momwe imakhudzira katundu wamalonda, ndi chifukwa chake ndi njira yofunika kwambiri yopezera ngongole.

DSCR ndi chiyani?

Debt Service Coverage Ratio (DSCR) ndi chiŵerengero chandalama chogwiritsidwa ntchito ndi obwereketsa kuti ayese mphamvu ya wobwereketsa kuti athe kubweza ngongole zawo ndi ndalama zomwe amapeza kuchokera kumalo. M'mawu osavuta, ndi chiŵerengero cha ndalama zogwirira ntchito za katundu (NOI) ku ngongole yake (chiwerengero chonse cha ngongole zomwe ziyenera kulipidwa). DSCR ya 1.0 imatanthawuza kuti nyumbayo imapanga ndalama zokwanira kulipira ngongole. DSCR yoposa 1.0 imasonyeza malo omwe amapeza ndalama zambiri kuposa zomwe zimafunikira kuti athe kubweza ngongole zake, zomwe zimachepetsa chiopsezo kwa obwereketsa.

Chifukwa chiyani DSCR Imafunika Kubweza Ngongole

Kwa osunga ndalama omwe akufuna kugula kapenaRefinancekatundu, kumvetsetsa DSCR ndikofunikira. Obwereketsa amayang'anitsitsa DSCR kuti awone momwe chuma chikuyendera. DSCR yapamwamba imasonyeza kuti malowo ndi okhazikika pazachuma ndipo akhoza kulipira ndalama zake ndi ndalama zowonjezera, zomwe zingapangitse kuti abwere ndi ngongole zabwino kapena kuvomereza. Mosiyana ndi zimenezo, DSCR yotsika imasonyeza kuti ndalama zomwe nyumbayo imapeza sizikulipira ngongole zake, zomwe zingapangitse chiwongoladzanja chokwera kapena kukana ngongole.

Pofunsira ngongole yobwereketsa, DSCR imakhala ndi gawo lalikulu pakuwunika ngati wobwereketsayo akumva kuti ali ndi chidaliro kuti wobwereketsa atha kubweza ngongoleyo. Obwereketsa ambiri amafuna DSCR osachepera 1.25 pazinthu zogulitsa. Izi zikutanthauza kuti katunduyo ayenera kupanga 25% ndalama zambiri kuposa zomwe amalipira ngongole.

Momwe Mungasinthire DSCR

Otsatsa omwe akufuna kukulitsa DSCR yawo ndikuwongolera mwayi wawo wopeza ngongole yanyumba ayenera kuyang'ana kwambiri pakuwonjezera ndalama zomwe amapeza kapena kuchepetsa ndalama zogwirira ntchito. Izi zingatheke poonjezera lendi, kuchepetsa ntchito, kapena kuchepetsa ndalama zosafunika. Kuphatikiza apo, kubweza ngongole yomwe ilipo kuti muchepetse chiwongola dzanja kungapangitsenso kuti malowo akhale osangalatsa kwa obwereketsa.

Mapeto

M'dziko lampikisano lazachuma, kumvetsetsa DSCR ndikofunikira kwa onse obwereketsa ndi obwereketsa. DSCR yolimba imatha kutsegulira zitseko za njira zabwino zobwereketsa nyumba, pomwe DSCR yofooka imatha kupereka zovuta pakupezera ndalama. Kaya ndinu ochita bizinesi odziwa zambiri kapena mwangoyamba kumene, kuyang'ana kwambiri ku DSCR kukuthandizani kuti malo anu ogulitsa azikhala opindulitsa komanso osungika.

Kuti mumve zambiri za momwe DSCR imakhudzira zosankha zanu zanyumba yobwereketsa, lemberani ku AAA Lending kuti mulankhule ndi m'modzi mwa akatswiri athu azanyumba.

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