12/05/2023

Kuongorora Iyo Innovation yeNo Ratio DSCR Zvirongwa

Mumamiriro ekugara achichinja emari yembande, Hapana Ratio Chikwereti-Sevhisi Coverage Ratio (DSCR) Zvirongwa zvabuda semhinduro yakasarudzika kune vanokwereta vari kutsvaga shanduko yemari.Gwaro iri rakazara rinovavarira kujekesa maficha, mabhenefiti angangove, uye kufunga kwakabatana nezvirongwa izvi zvitsva, zvakagadzirirwa kuenderana neakasiyana siyana emaprofile emari.

Kunzwisisa Hapana Ratio DSCR Zvirongwa

Kwete Ratio DSCR Zvirongwa, zvinowanzozongonzi "No Ratio" zvirongwa, zvinomiririra shanduko yeparadigm mukukweretesa kwemba.Zvirongwa izvi zvinobva mukusimbisa kwechinyakare pachikwereti-ku-muhoro, zvichipa vanokwereta imwe nzira yekuwana mari pasina kunyatsoongorora zvinyorwa zvavanowana.

Hunhu hweNo Ratio DSCR Zvirongwa

1. Hapana Kusimbisa paChikwereti-ku-Ku-Income Ratios:
   • Pfupiso: Hapana Ratio DSCR Zvirongwa hazvisimbise zvakanyanya chinyakare chikwereti-kune-mari reshiyo muhurongwa hwekubvumidza chikwereti.
   • Mhedzisiro: Vanokwereta vanoona kuwedzera kuchinjika, kunyanya avo vane mari isiri yenguva dzose kana mamiriro emari akaomarara.
2. Tarisa paChikwereti-Service Coverage Ratio:
   • Muchidimbu: Vanokweretesa vanoongorora kugona kweimba kuita mari yekuvhara chikwereti chebasa pane kungovimba chete nemari yemukwereti.
   • Impact: Real estate investimendi uye vanhu vanozvishandira vanogona kuwana zvirongwa izvi zvakanyanya pekugara.
3. Zvakasiyana-siyana Zvikwereti Zvibereko:
   • Mhedziso: Hapana Ratio DSCR Zvirongwa zviripo kune zvinangwa zvakasiyana, zvinosanganisira kutenga kwekugara, real estate investment, uye refinancing.
   • Impact: Vanokwereta vane rusununguko rwekusarudza chigadzirwa chechikwereti chakaenderana nezvinangwa zvavo zvemari.

Mabhenefiti uye Mafungiro kune Vanokwereta

1. Kuwedzeredza Kuchinja muKubvumirwa:
   • Zvakanakira: Hapana Ratio DSCR Zvirongwa zvinopa kuchinjika mumvumo yechikwereti, zvichibvumira vanokwereta vane akasiyana maprofile emari kuti vakwanise.
   • Kufunga: Nepo kuchinjika kuchiwedzerwa, vanokwereta vanofanira kunyatsoongorora mitemo, kusanganisira mhindu uye marongero ekubhadhara.
2. Kuwanika kune Real Estate Investors:
   • Advantage: Real estate investimendi vanogona kuwana zvirongwa izvi zvakanyanya kubatsira, sezvo kutarisa pamari yezvivakwa kunogona kurerutsa mari yekudyara zvivakwa.
   • Kufunga: Vanoisa mari vanofanirwa kuongorora iwo chaiwo matemi nemamiriro kuti vaone kuenderana nehurongwa hwavo hwekudyara.
3. Yakakwenenzverwa Yekushandisa Maitiro:
   • Advantage: Iko kuderedzwa kwekusimbisa pamagwaro emari echinyakare kunowanzo tungamira kune nekukurumidza uye kwakagadziridzwa maitiro ekunyorera.
   • Kufunga: Vanokwereta vanofanirwa kuchengetedza kunzwisisa kwakajeka kwematemu, uye kuona kuti kumhanya kwemvumo hakukanganisi hurongwa hwavo hwese hwemari.

Mafungiro kune Vanokwereta

1. Kunyatsonzwisisa Kwezvivakwa Metrics:
   • Kurudziro: Sezvo Pasina Ratio DSCR Zvirongwa zvinotarisa pamari yezvivakwa, vanokwereta vanofanirwa kuve nekunzwisisa kwakakwana kwema metrics anoshandiswa kuongorora mafambisirwo emari yechivakwa.
2. Kunzwisisa Kwakajeka Kwemitemo Yechikwereti:
   • Kurudziro: Zvisinei nekurerutswa kwekuongorora mari, vanokwereta vanofanira kunyatsonzwisisa zvirevo zvechikwereti, kusanganisira mareti emubereko, muripo, nehurongwa hwekudzorera.
3. Kuenzanisa Kutenga:
   • Kurudziro: Ongorora zvinopihwa kubva kune vakasiyana vanokweretesa vachipa Hapana Ratio DSCR Zvirongwa kuchengetedza iwo akanyanya kunaka mazwi emunhu mamiriro emari.

Kufamba neApplication process

1. Kukurukurirana Kwakajeka nevakweretesi:
   • Nhungamiro: Chengetedza kutaurirana kwakazaruka nevakweretesi, kuve nechokwadi chekujekesa pane zvinyorwa zvinodiwa uye kunzwisisa maitiro emukweretesi.
2. Ongororo Yehunyanzvi yeZvivakwa Metrics:
   • Nhungamiro: Batanidza nyanzvi kuti dziongorore mametric ezvivakwa, kuve nechokwadi chekunzwisisa kwakadzama kwemabatiro avanoita kuita kubvumidzwa kwechikwereti.
3. Zano remutemo kana richidikanwa:
   • Nhungamiro: Muzviitiko zvekuoma kana kusagadzikana, kutsvaga zano repamutemo kunogona kupa imwezve chengetedzo kune vanokwereta.

Mhedziso: Kupayona Kwemari Solutions kune dzakasiyana-siyana maScenario

Hapana Ratio DSCR Zvirongwa zvinomira pamberi pekugadzira imba, ichipa yakasarudzika nzira yekupa mari inopa simba kune vanokwereta nekushanduka kwemari.Kunyange zvirongwa izvi zvichirerutsa maitiro ekunyorera, vanokwereta vanofanirwa kusvika pakuita sarudzo nekunzwisisa kwakajeka kwematemu uye zvinogona kutengeserana.Nekufamba-famba zvakaomesesa zveNo Ratio DSCR Zvirongwa nekushingairira uye nekuziva, vanokwereta vanogona kukwidziridza iyi mikana mitsva yekuzadzisa zvivakwa zvavo uye zvibodzwa zvemari.

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.