Rerutsa Mari Yako Yekudyara: Zvikwereti zveDSCR zvisina Kudzosa Mutero Zvinodiwa

Kune varidzi vezvivakwa, kuwana mari yezvivakwa kazhinji inogona kuve yakaoma uye inopedza nguva, kunyanya kana ichida magwaro akawanda emari yemunhu. Zvikumbiro zvechinyakare zvechikwereti zvinogona kuremedza, zvinoda kudzoserwa mutero, miripo yekubhadhara, uye mamwe maratidziro emari akadzama. Zvisinei, theDSCRchirongwa chechikwereti chinopa imwe inozorodza imwe nzira inorerutsa maitiro zvakanyanya. Muchinyorwa chino, tichakurukura mashandiro anoita zvikwereti zveDSCR, nei vasingade kudzoserwa mutero, uye kuti vanoisa zvivakwa vanogona kubatsirwa sei nemaitiro aya akakwenenzverwa.

Chii chinonzi DSCR Chikwereti uye Chinoshanda Sei?

Chirongwa chechikwereti cheDebt Service Coverage Ratio (DSCR) chakanyatsogadzirirwa vatengesi vezvivakwa vachitsvaga mari yekugadzira mari. Kusiyana nezvikwereti zvakajairwa, izvo zvinowanzoda kuti mukwereti ape ruzivo rwemari yemunhu, zvikwereti zveDSCR zvinotarisa pakuita kwemari kwepfuma yacho.

Iyo DSCR ireshiyo inofananidza mari yekushandisa yepfuma (NOI) kune chikwereti sevhisi (iyo yakazara.Mortgage payments) Chiyero ichi chinobatsira vanokweretesa kuti vaone kana imba yacho inowana mari yakakwana yekuvhara mari yayo, kusanganisira kubhadhara kweimba. A DSCR ye1.0 inoratidza kuti mari yeimba yacho inongokwana kuvhara chikwereti. A DSCR yakakura kupfuura 1.0 inoratidza kuti chivakwa chinoburitsa mari yakawandisa, yakanakira vanokweretesa uye inobatsira kuderedza njodzi yavo.

Simba Rekusabhadhara Mutero Rinodiwa

Chimwe chezvinhu zvinonyanya kukwezva zvechirongwa chechikwereti cheDSCR ndechekuti haidi kudzoserwa mutero. Mune zvechinyakare zvikumbiro zvemortgage, kupa mitero inodzorwa kazhinji inhanho yakakosha kuratidza mari yemukwereti. Kune vazhinji vanoisa zvivakwa, ichi chinogona kuve chipingamupinyi chakakura, kunyanya kana vaine zvemari yakaoma, mihoro isina mari, kana zvivakwa zvakawanda.

Nezvikwereti zveDSCR, vanoisa mari vanogona kukodzera zvichienderana nemari inogadzirwa nepfuma chete, vasingade kuendesa mitero yemunhu. Izvi zvinoita kuti ive sarudzo yakanakisa kune vanoisa mari vanogona kunge vasina mari yakatwasuka kana kusada kugovera akadzama magwaro emari. Nekubvisa chinodiwa ichi, chirongwa chechikwereti cheDSCR chinogadzirisa maitiro ekubvumidza uye kuderedza nguva yainotora kuchengetedza mari.

Ndiani Anobatsirwa kubva kuDSCR Zvikwereti?

Iyo DSCR chirongwa chechikwereti chinonyanya kubatsira kune dzakasiyana siyana dzevatengesi vezvivakwa. Avo vanogona kubatsirwa vanosanganisira:

- Vanozvishandira vatengesi: Vagadziri vezvivakwa vanozvishandira kana vane mari isiri yechinyakare vanowanzo netsekana kupa magwaro emari anodiwa pachikwereti chakajairwa. Zvikwereti zveDSCR zvinobvisa chipingamupinyi ichi.
  
-Vagadziri vane zvivakwa zvakawanda: Vanoisa mari vane zvivakwa zvakati wandei zvekurojesa vanogona kuona zvichinetsa kuratidza mari inopindirana pazvivakwa zvese. Nekutarisa pakufamba kwemari kwechimwe nechimwe kwete mari yemunhu, chikwereti cheDSCR chinorerutsa maitiro.

- Vagadziri vane mari inochinja-chinja: Kana mari yemudyaridzi ichisiyana gore negore, kuratidza mari inowirirana kuburikidza nemitero inodzoka inogona kunetsa. Chirongwa chechikwereti cheDSCR chinobvisa nyaya iyi nekutarisa pamari yenzvimbo kwete yemuitisi.

-Vanodyara mari vari kutsvaga kubvumidzwa nekukurumidza: Pasina chikonzero chekudzoserwa mutero uye mamwe magwaro emunhu, maitiro echikwereti cheDSCR anokurumidza, achibvumira vanoisa mari kuti vashandise mikana nekukurumidza.

Mabatiro Anoita Zvikwereti zveDSCR Zvinobatsira Vanoisa Mari Kukurisa MaPortfolio Avo

Kureruka uye kuchinjika kwezvikwereti zveDSCR zvinogonesa vanoisa mari kuita nekukurumidza uye kuchengetedza mari yezvivakwa zvitsva. Nekuti vanokweretesa vanogadzika mvumo yechikwereti pamari yepfuma, vanoisa mari vanogona kuwedzera mapotifolio avo pasina kuratidza mari yavo kana kupa mutero. Izvi zvinogona kuve mukana wakakura mumakwikwi ekutengesa zvivakwa musika uko nguva yakakosha.

Zvakare, zvikwereti zveDSCR zvinobvumira vanoisa mari kuti vakwidze zvivakwa zvavo zviripo 'kuyerera kwemari kuti vawane zvimwe zvivakwa, zvichitungamira kukurumidza kukura kwepodfolio. Nekushandisa zvikwereti zveDSCR, vanoisa mari vanogona kuyera bhizinesi ravo rezvivakwa nemapepa mashoma uye nyore.

Mhedziso

Iyo DSCR chirongwa chechikwereti chinopa yakagadziridzwa uye inoshanda mari sarudzo kune vekutengesa zvivakwa, ichipa mvumo yekukurumidza uye kubvisa kudiwa kwekudzoserwa kwemutero. Nekutarisa pamuhoro unogadzirwa nechivakwa, zvikwereti zveDSCR zvinoita kuti zvive nyore kune vanoisa mari vane mari isingaite kana zvivakwa zvakawanda kuti vakwanise kuwana mari. Nemaitiro akareruka aya, vanoisa mari vanogona kukura mapotifolio avo, kutora mikana mitsva, uye kuchengetedza mari nekukurumidza.

Kana iwe uri real estate investor uchitsvaga kurerutsa maitiro ako emari, chirongwa chechikwereti cheDSCR chinogona kunge chiri mhinduro yakanaka. Kuti udzidze zvakawanda nezvekuti chirongwa chechikwereti cheDSCR chingakubatsira sei, bata AAA Lending nhasi.

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