The DSCR Chikwereti Chirongwa: Investment Mortgages pasina Mutero Returns Inodiwa

Kune varidzi vezvivakwa, kuwana mari isingade mapepa akawanda kunogona kuve shanduko yemutambo. Imwe yemhinduro dzakanyanya kuwanikwa nhasi ndeyeDSCRchirongwa chechikwereti, chinobvumira vanoisa mari kuti vakwanise kuwana mari zvichienderana nekuyerera kwemari yenzvimbo kwete mari yavanowana. Chirongwa ichi chinonyanya kukwezva nekuti hachidi mutero unodzoserwa, zvichiita kuti hurongwa huve nyore uye huve nyore kune avo vangangove vasina mari inobatika nyore. Muchikamu chino, tichatsanangura kuti chirongwa chechikwereti cheDSCR chinoshanda sei uye kuti chinobatsira sei vanoisa zvivakwa.

Chii chinonzi DSCR Chikwereti Chirongwa?

Iyo Debt Service Coverage Ratio (DSCR) chirongwa chechikwereti imhando yemhando yemortgage inoshandiswa pakudyara zvivakwa. DSCR chiyero chemari chinoyera kukwanisa kweimba kuunza mari yakakwana yekuvhara chikwereti chayo chebasa (iyo mortgage payments). Iyo DSCR inoverengerwa nekugovanisa mari yekushandisa yeimba (NOI) nemari yese yechikwereti. A DSCR ye1.0 zvinoreva kuti chivakwa chinogadzira mari inongokwana kuti isangane nezvisungo zvayo zvechikwereti. Iyo yepamusoro DSCR inoratidza kuti chivakwa chinounza mari yakawanda kupfuura inodiwa kuvhara chikwereti chayo.

Muchirongwa chechikwereti cheDSCR, vanokweretesa vanonyanya kuongorora mafambiro emari yepfuma uye vanoshandisa ichi sechinhu chikuru pakuona kukodzera kwechikwereti. Izvi zvinobvumira vatengesi vezvivakwa kuti vawane mari inoenderana nekuita kwemari yepfuma kwete mari yavanowana kana mutero.

Iyo DSCR Chikwereti Chirongwa Chinoshanda

Iyo DSCR chirongwa chechikwereti chakagadzirirwa kurerutsa maitiro ekukweretesa kune vanoisa zvivakwa. Zvikwereti zvechinyakare zvinowanzoda magwaro akadzama emari yemunhu, kusanganisira madzoro emutero, mabhanga, uye zvirevo zvebhangi. Kusiyana neizvi, chirongwa chechikwereti cheDSCR chinotarisa pamari inowaniswa nenzvimbo yekudyara.

Pane kuongororaMutero Returns kana mamwe magwaro emari emunhu, mukweretesi anoongorora kugona kwenzvimbo. Kana iyo mambure ekushandisa mari inokwana kuvhara basa rechikwereti (sezvinoratidzwa neDSCR yakasimba), mudzvanyiriri anogona kukodzera kukwereta. Izvi zvinoita kuti zvive nyore kune vanoisa mari vanogona kunge vasina muhoro unowirirana kana magwaro emari epamutemo kuti vawane mari.

Zvakanakira Hapana Mutero Returns Inodiwa

Imwe yemabhenefiti akakosha echirongwa chechikwereti cheDSCR ndechekuti haidi kudzoserwa mutero. Zvirongwa zvechikwereti zvechinyakare zvinowanzoda kudzoserwa kwemutero wega senzira yekuona mari, izvo zvinogona kutora nguva uye kuomesera kune vanoisa mari vane zvivakwa zvakawanda, vanozvishandira, kana avo vane mari isingaite. Nechirongwa chechikwereti cheDSCR, zvipingaidzo izvi zvinobviswa, kugadzirisa maitiro uye kubvumidza kukurumidza kubvumidzwa.

Izvi zvinonyanya kubatsira kune vanoisa mari vanogona kunge vasina mari yechinyakare kana mari yavo yakaoma kuratidza. Kunyangwe iwe uri muridzi webhizinesi, freelancer, kana investor ane yakaoma mari, chirongwa chechikwereti cheDSCR chinopa nzira iri nyore yekuwana mari.

Ndiani Anogona Kubatsirwa kubva kuDSCR Chikwereti Chirongwa?

Chirongwa chechikwereti cheDSCR chakanakira vakasiyana siyana vanoisa zvivakwa, kusanganisira avo vane zvivakwa zvakawanda, avo vanozvishandira, kana vanoisa mari vane mari isiri yechinyakare. Chirongwa ichi chakagadzirirwa vatengesi vanogona kuratidza kuti zvivakwa zvavo zvine mari inoenderana nekuyerera kwemari kwete mari yemunhu.

Vanoisa mari vanoomerwa nekukodzera zvikwereti zvechinyakare nekuda kwemari inochinja, kushomeka kwemutero, kana mamiriro emari akaomarara vanowana chirongwa chechikwereti cheDSCR chiri imwe nzira inogamuchirwa. Inopa nzira yakatwasuka, isingadzoreki kune mari inoenderana nemari inowanikwa nemudziyo, iyo inowanzova chiratidzo chechokwadi chekugona kwemuridzi kubhadhara chikwereti.

Mhedziso

Chirongwa chechikwereti cheDSCR chinopa mukana wakakura kune vanoisa zvivakwa nekupa nzira iri nyore yekuchengetedza mari. Nekutarisa kuyerera kwemari yenzvimbo uye kubvisa kudiwa kwekudzoserwa kwemutero, chirongwa ichi chechikwereti chinogadzirisa maitiro ekubvumidza uye chinovhura mikana kune vanoisa mari vanogona kunge vasina mari inotariswa zviri nyore. Kana iwe uri real estate investor uchitsvaga nzira inoshanda yekubhadhara zvivakwa zvako, chirongwa chechikwereti cheDSCR chinogona kunge chiri mhinduro yakanaka.

Kuti udzidze zvakawanda nezve chirongwa chechikwereti cheDSCR uye kuti chingabatsire sei mari yako yezvivakwa, bata AAA Lending nhasi.

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