Chifukwa Chake Musankhe Ngongole Ya DSCR-Qualified CES Ya Malo Osakhala Eni Eni

Ogulitsa nyumba omwe akufuna ngongole zomwe si eni eni ali ndi chida champhamvu mu Ngongole ya Closed-End Second (CES), makamaka ngati ali oyenerera kugwiritsa ntchito Debt Service Coverage Ratio (DSCR). Ngongole zotengera malowa zimayika patsogolo ndalama za lendi kuposa ndalama zamunthu, zomwe zimapatsa mwayi wobwereketsa pogwiritsa ntchito ndalama. Ichi ndichifukwa chake ngongole za CES ndizomwe mungasankhe pazachuma komanso momwe zimagwirira ntchito.

Ngongole ya CES ndi ngongole yachiwiri yokhala ndi nthawi yokhazikika, yoyenera kulipirira nyumba zomwe sizikhala ndi eni ake popanda kuwononga ndalama zomwe wasunga. Pogwiritsa ntchito DSCR kuti ayenerere, obwereketsa amayesa ndalama zobwereketsa za malowo motsutsana ndi ngongole zake zonse, kuphatikiza ngongole zonse zanyumba. Debt Service Coverage Ratio imagawaniza ndalama zonse zobwereketsa pachaka ndi ngongole (zambiri, chiwongola dzanja, misonkho, ndi inshuwaransi). DSCR ya 1.2, mwachitsanzo, imatanthawuza kuti nyumbayo imapanga ndalama zochulukirapo 20% kuposa zomwe zimafunikira, kutsimikizira obwereketsa pakubwereketsa kotengera ndalama.

Chotsimikizira kuti palibe ndalama zomwe munthu amapeza ndizodziwika bwino. Kaya ndinu wodzilemba ntchito kapena mumachotserako kangapo, ngongole za CES sizifuna kubweza ndalama kapena kubweza msonkho. Ngongole yotengera ndalama zapanyumbayi imawunika ma renti amsika kapena mapangano obwereketsa, ndikuwongolera kuvomera. Kuphatikiza apo, ngongole za CES ndizopezeka kumayiko akunja, zomwe zimathandizira osunga ndalama padziko lonse lapansi kulipirira renti yaku US. Mdziko lakunja lomwe limapereka ndalama zokwana $6,000 pamwezi atha kukhala oyenerera kulandira Ngongole Yachiwiri Yotsekedwa ndi DSCR yamphamvu, osafunikira ndalama zaku US.

Piggyback ok zosankha zimapangitsa ngongole za CES kukhala zokopa kwambiri. Otsatsa atha kuphatikizira Ngongole Yachiwiri Yatsekera ndi ngongole yoyamba kubweza mpaka 85% yamtengo wanyumba, kuchepetsa kubweza. Pamalo opangira ndalama zokwana madola 400,000, ngongole yoyamba ikhoza kulipira $300,000, ndi ndalama za ngongole ya CES $80,000, ndikungotsala $20,000 kunja kwa thumba. izi pReserves capital kukonzanso kapena kugula kwatsopano.

Ngakhale ngongole za CES zochokera ku DSCR zimapereka zabwino, zimakhala ndi chiwongola dzanja chokwera kuposa ngongole zanyumba zoyamba, ndipo obwereketsa amatha kuchepetsa CLTV kuti athetse ngozi. Otsatsa amayeneranso kukhala ndi ngongole zolimba zomwe sizili eni eni, chifukwa mipata ingachepetse DSCR. Kusankha malo obwereketsa omwe amafunidwa kwambiri kumachepetsa izi, ndikuwonetsetsa kuti ndalama zobwereketsa zikuyenda bwino. Popanda kutsimikizira ndalama zomwe munthu amapeza komanso mwayi wopezeka ndi mayiko akunja, ngongole za Closed-End Second zimathandizira osunga ndalama kuti akule bwino.