12/04/2023

Tikugashirei kunyika yezvemari uko nhamba dzinotaura zvinonzwika kupfuura mazwi, uye kune imwe metric, iyoChikwereti-Service Coverage Ratio (DSCR), inomira sechivheneko chekuona nezvehutano hwemari hwekambani. Ngatitange rwendo runonakidza kuburitsa zvakavanzika zveDSCR, chiratidzo icho muzvinabhizinesi wese ane ruzivo, investor, uye muzvinabhizimusi vanofanirwa kuve nazvo paradar yavo.

Nhanganyaya kuDSCR: Yako Yemari Compass

Fungidzira uri kaputeni ari kufambisa ngarava inonzi 'Enterprise.' Mugungwa guru rebhizimisi,DSCRinoita sekambasi yako, inokutungamirira mumvura inonyengera yezvikwereti uye mari. Icho chishandiso chiri nyore asi chine simba chinoyera kugona kwekambani yako kubhadhara zvikwereti zvayo uchishandisa mari yairi kuita. Haisi nhamba chete; chiratidzo chemweya webhizinesi rako rezvemari.

Iyo Mashiripiti Formula: Kuvhura DSCR
Dive mune essence yeDSCR, uye iwe unowana fomula yakatwasuka sezvayakadzama:

DSCR=Net Inoshanda Income/Chakazara Chikwereti Sevhisi

Pano, iyo Net Operating Income (NOI) ndiyo mihoro yebhizinesi rako minus yekushandisa mari (asi pamberi pemubereko uye mutero). Yese Chikwereti Service ndiyo yakazara mari inodiwa kuvhara zvikwereti zvako (zvese mukuru uye mubereko). Zvakafanana nekutarisa kana bhizinesi rako richiwana zvakakwana kuti risangorarama chete asi kubudirira mukati mezvipikirwa zvaro zvemari.

Nei DSCR Ichikosha: Kupfuura Nhamba chete

• Kuongorora Kwechikwereti: Funga nezvazvoDSCRsemushumo wako wezvemari uyo vanokweretesa vanoongorora. A DSCR pamusoro pe1 yakafanana nekuwana A +, zvichiratidza kuti bhizinesi rako rinogona kuvhara zvikwereti zvaro zvakanaka. Icho chiedza chegirini kune vanokweretesa uye chiratidzo chehutano hwakasimba hwemari.
• Investor Attraction: Vanoisa mari vanoda kambani ine yakakwira DSCR. Zvakafanana nebhekoni rinoratidza kuti ngarava yako iri kufamba zvakanaka, zvichiita kuti isanyanya njodzi uye iwedzere kukwezva mari.
• Strategic Management: Kune vakuru veindasitiri (ndimi imi, vatungamiriri vebhizinesi!), DSCR chishandiso chehunyanzvi. Inokubatsira kufamba nemusarudzo pamusoro pekushandisa, kuisa mari, kana kutora chikwereti chitsva. Zvakafanana nekuva neGPS yemari inotungamira bhizinesi rako mazano.

Chaiyo-Nyika Mamiriro: DSCR mukuita
Fungidzira izvi: Mugadziri wezvivakwa ane NOI yegore negore ye $2,150,000 uye pagore chikwereti service ye $350,000. ZvavoDSCR? Kuwedzera 6.14. Izvi zvinoreva kuti padhora rega rega rechikwereti, vanowana mari inodarika madhora matanhatu. Imba yemari inomhanya, ichiratidza kuti vanogona kuzadzisa zvisungo zvavo zvechikwereti uyezve zvimwe.

Rutivi Rwakajeka & Mapofu Makwapa eDSCR

• The Bright Side:

1. Inguva-mufambi: DSCR inoita kuti utarise mafambiro emari nekufamba kwenguva.
2. Chishandiso chekumisikidza: Enzanisa kushanda zvakanaka mumabhizinesi ese.
3. Zvinopfuura purofiti uye kurasikirwa: Kunosanganisira kubhadharwa kukuru, kupenda mufananidzo wemari wakazara.

• The Bofu Spo:

1. Inogona kupotsa mamwe manuances emari: Zvinhu zvakaita semutero wemutero zvinogona kunge zviri kunze kwechikamu chayo.
2. Inovimba nemisimboti yeakaunzi: Panogona kuve nemukaha pakati pedzidziso uye kuyerera chaiko kwemari.
3. Kuoma: Haisi yako yakakosha chiyero chemari.
4. Hapana chiyero chepasirese: Vakweretesi vakasiyana, zvinotarisirwa neDSCR zvakasiyana.

The Influencers: Zvinhu Zvinokanganisa DSCR
Zvinhu zvakawanda zvinogona kukanganisa iweDSCR, sekuchinja kwemari yako yekushandisa kana kushanduka kwemitengo yemubereko. Zvakafanana nehurongwa hwemari apo zvinhu zvakasiyana-siyana zvinopindirana kuti zvipe simba rekambani yako yekubhadhara chikwereti.

The Takeaway: Kuchata Kosi Yako neDSCR
Kunzwisisa uye kushandisaDSCRchiyero chakafanana nekuve nekambasi yemari yebhizinesi rako. Haisi yekungopona mumakungwa ane mhirizhonga enyika yebhizinesi asi kubudirira uye kuronga kosi yekukura kwakasimba uye pundutso. Kunyangwe iwe uri kaputeni ane ruzivo kana mutsva munzvimbo yekutengeserana, kuramba wakatarisa paDSCR yako kunogona kuita kuti bhizinesi rako ribudirire uye kugadzikana.

Saka ipapo iwe unayo, rwendo kuburikidza nenyika yeDSCR. Ireshiyo inopfuura nhamba chete-inyaya pamusoro pehutano hwemari hwebhizimisi rako, rondedzero yaunogona kugadzira nekuvandudza. Ramba wakasvinura, shandisa chishandiso ichi nehungwaru, uye tarisa sezvo bhizinesi rako richifamba richienda kune yakabudirira. Kufara nechikepe!

VhidhiyoDSCR Ratio: Iyo Yezvemari Hutano Barometer yeMabhizinesi

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS; mamwe emifananidzo akatorwa kubva paInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo. Pane njodzi mumusika uye mari inofanira kungwarira. Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega. Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu. Isai mari zvinoenderana nenjodzi yenyu.