12/04/2023

Mawu Oyamba

M'dziko logulitsa nyumba, njira zopezera ndalama ndizofunikira kwambiri.Zina mwa izi,Debt Service Coverage Ratio (DSCR)Ngongole zimatuluka ngati zosintha, makamaka kwa anthu akunja omwe akufuna mwayi wopeza ndalama.Mosiyana ndi zinthu zamangongole zachikhalidwe, ngongole za DSCR zimapereka kusinthika kwapadera, kumathandizira anthu ambiri omwe amaika ndalama pansi pa pulogalamu ya Non-QM (Non-Qualified Mortgage).Nkhaniyi ikuyang'ana pazambiri zamangongole a DSCR, ndikuwonetsa zabwino zake zosayerekezeka.

Kumvetsetsa Chiyerekezo cha DSCR

DSCR, kapena Debt Service Coverage Ratio, ndi njira yobwereketsa ndalama yomwe amagwiritsa ntchito kuti awone kuchuluka kwa ndalama zomwe zilipo kuti alipire ngongole zomwe zilipo.Imafananitsa ndalama zogulira katundu wapachaka ndi ngongole yanyumba yapachaka, kuphatikiza chiwongola dzanja ndi chiwongola dzanja.Chiŵerengerochi ndichofunika kwambiri kwa obwereketsa powunika momwe ngongole ikuyendera pamakampani ogulitsa.DSCR yapamwamba imasonyeza malo omwe ali ndi ndalama zambiri, kupereka chithandizo kwa obwereketsa ndi obwereketsa mofanana.

Ubwino wa Ngongole za DSCR
DSCRNgongole ndi zosintha, makamaka chifukwa cha kulekerera kwawo kutsimikizira ndalama, kubweza msonkho, ndi mbiri yantchito.Izi ndizothandiza makamaka kwa nzika zakunja komanso osunga ndalama omwe mbiri yawo yazachuma simagwirizana ndi zomwe zimafunikira pakubwereketsa.Ngongolezi zimayang'ana kwambiri momwe malowo angapangire ndalama m'malo mopeza ndalama zaumwini, zomwe zimawapangitsa kukhala abwino kugwiritsa ntchito njira zosiyanasiyana zopezera ndalama.Kuphatikiza apo, kusowa kwa zolemba zambiri kumathandizira njira yobwereketsa, kuthandiza osunga ndalama kuti agwiritse ntchito mwayi wamsika munthawi yake.

Pulogalamu Yopanda QM Yafotokozedwa
Dongosolo la Non-Qualified Mortgage limasiyana ndi njira zokhazikika zamangongole wamba.Ngongole zopanda QM, mongaDSCR, adapangidwa kuti azipereka kusinthasintha komanso kupezeka.Amathandizira gawo la obwereka omwe angakhale ndi chuma chambiri koma alibe njira zopezera ndalama.Kwa nzika zakunja, pulogalamuyi ndi yowunikira, yopereka mwayi wopeza ndalama zomwe mwina sizingachitike.

Njira Yosavuta: Kuvomereza Kusamutsidwa kwa Kuyesa
Chimodzi mwazabwino kwambiri zaDSCRNgongole ndikuvomera kusamutsidwa koyesa.Ndondomekoyi imalola obwereketsa kufulumizitsa njira yawo yobwereketsa pogwiritsa ntchito zomwe zilipo kale, zomwe zimapangitsa kuti zikhale zofulumira komanso zotsika mtengo.Izi ndizopindulitsa makamaka m'misika yothamanga kwambiri yogulitsa nyumba, pomwe nthawi imatha kukhudza kwambiri ndalama.

Nkhani Zake / Nkhani Zopambana
Taganizirani za John, wochita bizinesi wakunja, amene anapezerapo mwayi pa malo obwereketsa opindulitsa kwambiri.Ndalama zachikhalidwe sizinatheke chifukwa cha njira yake yapadera yopezera ndalama.Komabe, aDSCRngongole idawunika momwe malowo amapezera, zomwe zimamupangitsa kuti azitha kupeza ndalama mwachangu.Mofananamo, Maria, wochita bizinesi m'nyumba, anagwiritsa ntchito ndalama zogulira ndalama kuti afulumire kubwereketsa, zomwe zinamulola kuti atseke malo osungiramo ndalama pa msika wopikisana kwambiri.

Mapeto
DSCRNgongole zimawonekera ngati njira yopezera ndalama, makamaka pansi pa pulogalamu ya Non-QM.Kusinthasintha kwawo, kumasuka kwa kayendetsedwe kake, komanso kuyang'ana kwambiri zomwe zingatheke m'malo mwa mbiri yakale yazachuma zimawapangitsa kukhala chisankho chabwino kwambiri kwa nzika zakunja komanso osunga ndalama osiyanasiyana.Pamene msika wogulitsa nyumba ukukulirakulira, ngongole za DSCR zikupitilizabe kupereka njira zosunthika komanso zofikirika pakugulitsa katundu.

Kuitana Kuchitapo kanthu
Ngati mukuyang'ana mwayi wopezera ndalama muzogulitsa nyumba ndi kufunafuna ngongole yogwirizana ndi zosowa zanu zapadera, ganizirani zathuDSCRkupereka ngongole.Lumikizanani nafe lero kuti mudziwe zambiri ndikuyamba ulendo wanu wopita kubizinesi yopambana yogulitsa nyumba.

Kanema:Kutsegula Zomwe Zingatheke ndi Malo Ogulitsa ndi Ngongole za DSCR: Chitsogozo Chokwanira kwa Anthu Akunja

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