Kunzwisisa DSCR uye Impact Yayo pane Investment Mortgages

Kana zvasvika pakuchengetedza aninvestmentMortgage, chimwe chezvinhu zvakakosha kune vanokweretesa ndeyeDebt Service Coverage Ratio (DSCR). Kune vanoisa mari vari kutsvaga kukwidziridza portfolio yavo, kunzwisisa DSCR kwakakosha kuona kukodzera kwechikwereti uye kugadzirisa njodzi. Muchinyorwa chino, tichaongorora zvinorehwa neDSCR, kuti inobata sei zvivakwa zvekudyara, uye nei iri kiyi metric mukuchengetedza imba yemba.

Chii chinonzi DSCR?

The Debt Service Coverage Ratio (DSCR) chiyero chemari chinoshandiswa nevakweretesi kuyera kukwanisa kwemuiti wemari kuvhara chikwereti chavo nemari inowanikwa kubva kune imwe nzvimbo. Mukutaura kwakapfava, chiyero chemari yekushandisa yepfuma (NOI) kune chikwereti chebasa rayo (huwandu hwemari yekubhadhara chikwereti). A DSCR ye1.0 inoreva kuti chivakwa chinoburitsa mari yakakwana yekuvhara chikwereti chekubhadhara. DSCR yakakwira kupfuura 1.0 inoratidza chivakwa chinounza mari yakawanda kupfuura inodiwa kuvhara zvikwereti zvayo, izvo zvinoderedza njodzi kune vanokweretesa.

Nei DSCR Iine Chido kune Investment Mortgages

Kune vanoisa mari vari kutsvaga kutenga kanaRefinancechivako, kunzwisisa DSCR kwakakosha. Vanokweretesa vanotarisisa kuDSCR kuti vaongorore hutano hwemari hwepfuma. Iyo DSCR yepamusoro inoratidza kuti nzvimbo yacho yakagadzikana mune zvemari uye inokwanisa kubhadhara mari yayo nemari yakasara, izvo zvinogona kuguma nezvikwereti zviri nani kana kubvumidzwa. Zvikasadaro, yakaderera DSCR inoratidza kuti mari yeimba yacho haivhare chikwereti chayo chekubhadhara, izvo zvinogona kutungamira kune yakakwira mubereko kana chikwereti chakarambwa.

Paunenge uchinyorera imba yekudyara, DSCR inoita basa rakakosha pakuona kana mukweretesi anonzwa aine chivimbo mukukwanisa kwemukwereti kubhadhara chikwereti. Vazhinji vanokweretesa vanoda DSCR yeinenge 1.25 yekudyara zvivakwa. Izvi zvinoreva kuti nzvimbo yacho inofanira kuunza 25% mari yakawanda kupfuura inodiwa kubhadhara chikwereti.

Maitiro ekuvandudza DSCR

Vagadziri vemari vanoda kuwedzera DSCR yavo uye kuvandudza mikana yavo yekuwana chikwereti chemba vanofanira kutarisa nezvekuwedzera mari yepfuma yavo kana kuderedza mari yekushandisa. Izvi zvinogona kuwanikwa kuburikidza nekuwedzera rendi, kuderedza mabasa, kana kuderedza mari isingakoshi. Pamusoro pezvo, kudzorera chikwereti chiripo kuti udzikise mubereko wemari inogona zvakare kuvandudza reshiyo uye kuita kuti chivakwa chiwedzere kukwezva kune vanokweretesa.

Mhedziso

Munyika inokwikwidza yekudyara zvivakwa, kunzwisisa DSCR kwakakosha kune vese vanokweretesa uye vanokwereta. Iyo yakasimba DSCR inogona kuvhura mikova kune zvirinani zvemortgage sarudzo, nepo isina kusimba DSCR inogona kupa matambudziko mukuwana mari. Kunyangwe iwe uri mudyaridzi ane ruzivo kana uchangotanga, kutarisa kuDSCR kuchabatsira kuona kuti nzvimbo yako yekudyara inoramba iine pundutso uye inobhanga.

Kuti uwane rumwe ruzivo nezvekuti DSCR inobata sei sarudzo yako yekudyara imba, taura nesu kuAAA Kukweretesa kuti titaure nemumwe wenyanzvi dzemortgage.

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