Chii chinonzi DSCR Chikwereti?

DSCR inomirira Debt Service Coverage Ratio, uye ipfungwa yakakosha munyika yezvimba uye mari yezvivakwa. The Debt Service Coverage Ratio imari yezvemari inoshandiswa nevakweretesi kuongorora kukwanisa kweimba kuti iwane mari yakakwana yekuvhara zvisungo zvayo zvechikwereti, kusanganisira kubhadhara kwembande, mitero yezvivakwa, inishuwarenzi, uye mari yekugadzirisa.

DSCR Inoshanda Sei?

Nemashoko akapfava, Debt Service Coverage Ratio inoyera mari yeimba (NOI) ine chekuita nezvikwereti zvayo. Inoverengerwa nekugovanisa NOI yenzvimbo nesevhisi yayo yese yechikwereti. Iyo yakakwirira iyo DSCR, iyo yakawanda mari inowanikwa iyo chivakwa chinoenderana nechikwereti chayo, zvichiratidza njodzi yakaderera kune vanokweretesa.

Sei DSCR Yakakosha?

DSCR yakakosha kune vanokweretesa nekuti inovabatsira kuongorora njodzi ine chekuita nekukweretesa mari yekudyara zvivakwa. Iyo yepamusoro DSCR inoratidza kuti chivakwa chinoburitsa mari yakakwana yekubhadhara chikwereti chayo, zvichiita kuti ive yakachengeteka mari. Kune rumwe rutivi, yakaderera DSCR inogona kuratidza kusagadzikana kwemari uye njodzi yepamusoro yekutadza.

Maitiro ekuverenga DSCR?

Kuti uverenge Debt Service Coverage Ratio, tevera matanho aya:

1. Sarudza mari yekushandisa yeimba (NOI), inova mari yese inogadzirwa nemidziyo inobvisa mari yekushandisa senge kugadzirisa, zvekushandisa, uye muripo wekutonga midziyo.
2. Verenga huwandu hwechikwereti cheimba, kusanganisira kubhadhara kwemba, mutero weimba, inishuwarenzi, nezvimwe zvisungo zvechikwereti zvine chekuita neimba.
3. Kamuranisa NOI yenzvimbo nesevhisi yayo yese yechikwereti kuti uwane iyo DSCR.

Kududzira Maitiro eDSCR

• DSCR
• DSCR = 1: Inoratidza kuti mari yeimba yacho inonyatsoenderana nezvisungo zvayo zvechikwereti, ichisiya pasina nzvimbo yekubhadhara mari isingatarisirwe.
• DSCR > 1: Inoratidza kuti chivakwa chinowana mari yakawanda kupfuura inodiwa kuvhara zvisungo zvechikwereti, ichipa buffer yemitengo isingatarisirwe uye kuratidza kugadzikana kwemari.

Mhedziso

Muchidimbu, zvikwereti zveDSCR zvinoita basa rakakosha mukubhadhara zvivakwa nekuongorora kugona-kuunza mari yepfuma maererano nezvisungo zvayo zvechikwereti. Kunzwisisa DSCR kunobatsira vanoisa mari uye vanokweretesa kuita sarudzo dzine ruzivo nezvekudyara kwezvivakwa uye mvumo yechikwereti. KuAAA LENDINGS, tinopa nzira dzakasiyana dzemari, kusanganisira zvikwereti zveDSCR, kubatsira vanoisa mari kuzadzisa zvinangwa zvavo zvekudyara zvivakwa. Bata nesu nhasi kuti udzidze zvakawanda nezve zvigadzirwa zvedu zvemortgage uye kuti tingakubatsira sei mukuwana mari yekudyara nzvimbo yako.

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.