12/04/2023

Mumusika wemazuva ano une simba wezvivakwa, kuwana mhinduro chaiyo yekubhadhara mari kunogona kuita shanduko, kunyanya kune vanoisa mari.YeduDSCR (Debt Service Coverage Ratio)chigadzirwa chechikwereti chakagadzirirwa kuita kuti real estate investment iwanikwe uye ishande.Ichi chakasarudzika chemari chishandiso chinobvumira vanokwereta kuti vawedzere mari yekurenda yechikwereti chechikwereti, vachipfuura kudiwa kwemagwaro emari echinyakare.Ichi chinyorwa chichaongorora akasiyana siyana echigadzirwa chedu cheDSCR uye kuti chinomira sei pamusika.

Chii chinonzi DSCR?

Debt Service Coverage Ratio (DSCR)chiyero chemari chinoshandiswa kuona mafambiro emari emidziyo.Iyo inoyera pfuma yeAnnual Net Operating Income (NOI) maererano nezvisungo zvayo zvegore negore.Vanokweretesa vanowanzo shandisa DSCR kuona kana mukwereti achikodzera kuwana zvikwereti zvekudyara zvivakwa.Ichi chiratidzo chakakosha chekugona kwemukwereti kubhadhara chikwereti.Kazhinji, kana DSCR yeimba isingasviki zvishoma zvinodiwa nemukweretesi, chikumbiro chechikwereti chinogona kurambwa.Zvisinei, maitiro edu akasiyana.Isu tinopa kuchinjika, kunyangwe kune zvivakwa zvisingaenderane zvakajairwa kuyerera kwemari zvinodiwa.

Zvinodiwa Pakunyorera Yedu DSCR Chigadzirwa
YeduDSCRchigadzirwa chinowanikwa kune vakasiyana siyana vanonyorera.Kana yako FICO mamakisi ari 660 kana pamusoro, iwe unokodzera kunyorera.Tinototambira zvizvarwa zvekune dzimwe nyika kuti zvinyorere zvikwereti zvedu zveDSCR.Zvakare, isu tinopa mazwi emakwikwi, anosanganisira yepasi pasi kubhadhara kwe20% uye chikwereti-ku-value reshiyo inosvika makumi masere%.

Vekune dzimwe nyika uye Investment Properties
KuAAA Lendings, tinoona mamiriro epasi rose ekudyara zvivakwa.Vekune dzimwe nyika havasi vanokodzera chete asi vanogamuchirwa kunyorera yeduDSCRzvikwereti.Nekungobhadhara 30% pasi, vatengesi vekunze vanogona kuchengetedza zviroto zvavo zvekudyara muUS, zvichiita kuti mari yepasi rese yezvivakwa iwanikwe kupfuura nakare kose.

DSCR Zvikwereti zveKurojesa Kwenguva pfupi
Iko kuchinjika kweduDSCRchigadzirwa chinosvika kune dzakasiyana siyana zvivakwa, kusanganisira izvo zvinoshandiswa kwenguva pfupi yekurenda.Uku kuchinjika kunonyanya kubatsira mumusika wanhasi, uko kuroja kwenguva pfupi kunogona kuita mari yekudyara sarudzo.Bata isu kuti uwane rumwe ruzivo rwekuti zvikwereti zvedu zveDSCR zvinobata sei chikamu ichi.

Kugadzirisa Kubhadhara KweMortgage Yakakwira Pane Mari Yekurojesa
Chinhu chinonyanya kunetsa kune vatengesi ndechekuti mari yekurenda yeimba inotadza kuvhara mari yekubhadhara imba.YeduDSCRchigadzirwa chinopa 'hapana ratio' sarudzo, kuderedza kunetseka uku.Iyi ficha inobvumira vanoisa mari kuchengetedza mari pasina kunetseka kwekufananidza kana kudarika kubhadhara kwembandi nemari yekurenda.

Iko Nyore Yekunyorera Yedu yeDSCR Zvikwereti

Kunyorera aDSCRchikwereti neAAA Lendings yakatwasuka.Isu tinobvumira huwandu hwakawanda hwezvivakwa kuti zvikwanise zvichienderana nekuyerera kwemari, kurerutsa maitiro ekufanirwa.Iyi nzira inovhura mikana kune vakawanda vanoisa mari kuti vapinde mumusika wezvivakwa.

Chirongwa cheDSCR Chinoshanda Sei?
YeduDSCRzvikwereti zvinoshanda pasi peNon-Qualified Mortgage framework, zvichitarisa pamari inobuda kubva mumari yekurojesa inotarisirwa panzvimbo pane mari yemukwereti.Iyi modhi inonyanya kubatsira kune vanoisa mari vanogona kunge vaine zvinhu zvakakura asi zvisina kujairika mihoro.Nekuisa mukana wekukwereta pane iyo nzvimbo-yekuita mari inogoneka, isu tinopa yakawedzera kuchinjika uye inoshamwaridzana nekudyara mari.

Zvakanakira Kusarudza Yedu DSCR Chikwereti Chigadzirwa
Maitiro Akareruka Kufanirwa: YeduDSCRzvikwereti hazvidi kutariswa kwemari yechinyakare, mutero, kana nhoroondo yebasa.Iyi yakagadziridzwa maitiro inoita kuti mvumo yechikwereti ikurumidze uye nyore.

Kuwanika kune Vekunze: Isu tinobvuma basa rakakosha revatengesi vepasi rose mumusika wezvivakwa.Chigadzirwa chedu cheDSCR chakarongedzerwa kuzadzisa zvinodiwa nevekunze, zvichivapa mukana wakaenzana wekudyara muUS zvivakwa.

Kuchinjika muKupa Mari: Kunyangwe zano rako rekudyara richisanganisira rendi dzenguva refu kana dzimba dzenguva pfupi dzezororo, zvikwereti zvedu zveDSCR zvinochinjika kune akasiyana marudzi ezvivakwa uye mhando dzekudyara.

Hapana Ratio Sarudzo Yekuwedzeredzwa Kuchinjika: Iyo 'hapana ratio' sarudzo pasi pechigadzirwa chedu cheDSCR inopa runyararo rwepfungwa kune vanoisa mari, kuve nechokwadi chekuti kushanduka kwemari yekurenda hakutadzise rwendo rwavo rwekudyara.

Makwikwi Emari Matemu: Nesarudzo senge yakaderera-yekubhadhara uye yakanakira chikwereti-ku-kukosha ratios, zvikwereti zvedu zveDSCR zvinokwezva mune zvemari, zvichiita kuti mari yezvivakwa iwanikwe kune vateereri vakawanda.

Tsigiro yeDiverse Investment Strategies: Ungave uri mudyaridzi ane ruzivo kana mutsva kumusika wezvivakwa, zvikwereti zvedu zveDSCR zvinotsigira nzira dzakasiyana dzekudyara, kubva kudzimba dzemhuri imwe kusvika kune akawanda-mayuniti zvivakwa.

Mhedziso
YeduDSCRchigadzirwa chechikwereti chiratidzo chekuzvipira kwedu pakupa mhinduro dzemari dzezvivakwa uye dzinowanikwa kune vanoisa zvivakwa.Nezvimiro zvakaita sekusina kutariswa kwemari, kuchinjika kune zvizvarwa zvekune dzimwe nyika, uye kuenderana nemhando dzakasiyana dzezvivakwa, tiri kutsanangura patsva mamiriro ekudyara zvivakwa.Kana iwe uchitsvaga kutanga kana kuwedzera rwendo rwako rwekudyara zvivakwa, zvikwereti zvedu zveDSCR zvinopa musanganiswa wakakwana wekushanduka, nyore, uye kukwezva kwemari.

Tora Nhanho Inotevera

Takagadzirira kuongorora zvingangoitika neveduDSCRchikwereti chigadzirwa?Bata AAA Lendings nhasi uye tora danho rekutanga kuzadzisa zvishuwo zvako zvekudyara zvivakwa.Nehunyanzvi hwedu uye zvigadziriso zvekubhadhara mari, zvibodzwa zvako zvekudyara zviri mukati mekusvikika.

VhidhiyoKukwirisa Real Estate Investment neYedu Inovandudza DSCR Chikwereti Chigadzirwa

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, 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.