Kutsegula Mwayi Wogulitsa Kwa Anthu Akunja ndi DSCR

Kuyika ndalama ku US Real Estate kumapereka mwayi waukulu kwa nzika zakunja zomwe zikufuna kusiyanitsa magawo awo ndikulowa mu imodzi mwazopambana kwambiri.Mtengo CRAmisika yapadziko lonse lapansi. Komabe, kupeza ndalama ngati mlendo nthawi zambiri kumakhala kovuta chifukwa cha miyambo yobwereketsa. Mwamwayi, pulogalamu ya Foreign National DSCR Loan imapereka yankho lofikirika, kulola osunga ndalama akunja kuti ayenerere kulandira ndalama potengera ndalama zomwe amapeza ndi zomwe amagulitsa m'malo mopeza ndalama zawo kapena mbiri yangongole. M'nkhaniyi, tiwona momwe pulogalamu ya ngongole ya DSCR imagwirira ntchito kwa nzika zakunja komanso chifukwa chake ili njira yabwino yogulitsira malo.

Kodi Foreign National ndi chiyaniDscr Ngongole?

Ngongole Yakunja Yadziko Lakunja ya DSCR ndi chinthu chobwereketsa chopangidwa makamaka kwa anthu omwe si a US omwe akuyang'ana kupereka ndalama zogulira zinthu zaku US. DSCR imayimira Debt Service Coverage Ratio, yomwe ndi njira yandalama yomwe obwereketsa amagwiritsa ntchito kuti awone ngati katundu apeza ndalama zokwanira kubweza ngongole zake (mwachitsanzo, kubweza ngongole). Ngongole yochokera ku DSCR, obwereketsa amayang'ana kwambiri ndalama zogwirira ntchito zapanyumba (NOI) m'malo mopeza ndalama za wobwereketsa.

Kwa nzika zakunja, izi zikutanthauza kuti njira zoyenereza kubwereketsa zimachokera ku kuthekera kwa malowo kupanga ndalama, m'malo mopeza ngongole ya Investor kapena zobweza za msonkho. Izi zimapangitsa kuti zikhale zosavuta kuti osunga ndalama akunja apeze ndalama popanda kufunikira kukwaniritsa zofunikira zachikhalidwe zaku US zobwereketsa.

Momwe Ngongole Yakunja ya DSCR Imagwirira Ntchito

Pulogalamu ya ngongole ya DSCR Yakunja imagwiritsa ntchito mfundo zofananira ngati ngongole ya DSCR yokhazikika, koma ndikuwunikanso kwa osunga ndalama padziko lonse lapansi. Pangongole yamtunduwu, obwereketsa amawunika momwe angapangire ndalama powerengera DSCR yake. Ngati ndalama zobwereketsa za malowo kapena njira zina zopezera ndalama ndizokwanira kubweza ngongoleyo, wobwereketsayo akhoza kulandira ngongoleyo, mosasamala kanthu za momwe alili zachuma.

Anthu akunja sakuyenera kupereka zikalata zamisonkho zaku US, zolemba zandalama zawo, kapenanso chiwongolero cha ngongole zaku US. M'malo mwake, ngongoleyo imawunikidwa potengera momwe ndalama zimayendera, zomwe zimapangitsa kuti ntchitoyi ikhale yofulumira komanso yowongoka kwa osunga ndalama padziko lonse lapansi.

Ndani Angapindule ndi Ngongole Yakunja Yadziko la DSCR?

Ngongole Yakunja Yadziko Lakunja ya DSCR ndi yabwino kwa osunga ndalama kunja kwa United States omwe akufuna kupezerapo mwayi pamsika wamtengo wapatali wanyumba zaku US koma osakwaniritsa zomwe zimafunikira pakubwereketsa kwamwambo. Pulogalamu yangongoleyi ndiyothandiza pa:

- Anthu akunja omwe akufuna kugulitsa nyumba ku US: Ngongole ya DSCR imagwirizana ndi zosowa za osunga ndalama ochokera kumayiko ena omwe mwina alibe mbiri yaku US yangongole kapena ndalama zochokera ku US.
  
- Otsatsa omwe akufunafuna ndalama zosinthira: Dongosolo la ngongole ya DSCR limathetsa kufunikira kwa kubweza misonkho, zolipira, kapena zikalata zina zandalama, kulola nzika zakunja kupeza ndalama zokhala ndi zikalata zochepa.

- Ogulitsa nyumba ndi nyumba zobwereketsa: Otsatsa omwe ali ndi malo obwereketsa ku US atha kugwiritsa ntchito ndalama zomwe amapeza ndi malowa kuti athe kupeza ndalama, zomwe zimapangitsa kuti zikhale zosavuta kupeza malo ambiri ndikukulitsa ma portfolio awo.

- Ogula apadziko lonse lapansi akuyang'ana njira yosavuta yoyenerera: Ngongole Yakunja Yadziko Lapansi ya DSCR ndi yoyenera kwa osunga ndalama omwe amakonda njira yosavuta, yofulumira, chifukwa imayang'ana kwambiri momwe ndalama zimagwirira ntchito m'malo motengera ndalama zawo.

Chifukwa Chiyani Sankhani Ngongole Yakunja Yadziko Lapansi ya DSCR Yogulitsa Malo Ogulitsa Nyumba?

Pulogalamu ya ngongole ya DSCR Yakunja ndi njira yabwino kwambiri kwa osunga ndalama omwe akufuna kukulitsa malo awo ogulitsa nyumba ku US Imalola nzika zakunja kulowa mumsika wotukuka wanyumba zaku US popanda zolemba zolemetsa komanso zolemba zomwe zimafunikira pangongole zachikhalidwe. Ubwino waukulu wa ngongoleyi ndikuti imachokera ku ndalama za malowo m'malo mwa ndalama zaumwini, zomwe zimathandiza osunga ndalama akunja kuti ayenerere kulandira ndalama mosavuta.

Kuonjezera apo, ndondomeko yoyendetsera bwino ntchitoyo imatanthawuza kuti anthu akunja akhoza kuyenda mofulumira kuti apeze ndalama ndi kutenga mwayi wopezera ndalama popanda kuchedwetsedwa ndi zovuta za ndondomeko za ngongole.

Mapeto

Pulogalamu ya ngongole ya DSCR Yakunja imapereka mwayi wapadera kwa osunga ndalama ochokera kumayiko ena kuti alipire ndalama zogulira malo ku US potengera momwe ndalama zimayendera. Popanda kubweza misonkho yaku US, ziwongola dzanja, kapena zolemba zandalama zomwe munthu amapeza, pulogalamu yangongoleyi imathandizira kuti ziyeneretso zitheke, kupangitsa kukhala kosavuta kwa nzika zakunja kulowa mumsika wanyumba zaku US. Kaya mukuyang'ana kugula malo amodzi kapena kukulitsa mbiri yomwe ilipo, ngongole ya Foreign National DSCR Loan ikhoza kukuthandizani kukwaniritsa zolinga zanu zachuma.

Kuti mudziwe zambiri za Ngongole Yakunja ya DSCR Yakunja ndi momwe ingakuthandizireni kupeza ndalama zogulira nyumba zanu, lemberani AAA Lending lero.

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