Kukodzera chikwereti chemumba inova nhamburiko yekuedza, kunyanya kana uchitsvaga kukwidziridza mafambiro emari anokonzerwa nekudyara zvivakwa.Gwaro iri rinotarisa mune zvakakosha uye mazano anoshanda ekuti ukwanise kuwana chikwereti chemba nekushandisa mukana wemari kubva kune yako yekudyara zvivakwa.

Kunzwisisa Investment Property Cash Inoyerera

Tsanangudzo: Mari yezvivakwa yekudyara inoyerera inosanganisira mari inobva mukudyara kwezvivakwa, kunyanya kubva mukubhadhara kwerendi kunoitwa nevaroja.Muchirongwa chekukodzera mendenenzi, vanokweretesa vanowanzoongorora mafambiro emari aya kuti vaone kugona kwemukwereti kubhadhara chikwereti.

Kukosha muKukodzera: Kushandisa mari inoyerera yezvivakwa zvekudyara kunowedzera maitiro echinyakare, zvichipa vanokweretesa maonero akakwana esimba remari remukwereti nekutarisisa kwete mari yaanowana chete asiwo mukana wekuita mari yezvivakwa zvekudyara.

Matanho eKukodzera kuMortgage Uchishandisa Investment Property Cash Inoyerera

1. Detailed Documentation

Ipa magwaro akakwana ezvivakwa zvako zvekudyara, kusanganisira:

• Zvibvumirano zvekurenda: Taura zvakajeka mazwi, mari yekurenda, uye nguva yekurenda.
• Zvinyorwa Zvemari: Simbisa mari inowanikwa nemudziyo wega wega.
• Mari Yemishumo: Detail ine chekuita nemidziyo.

2. Chikwereti-Service Coverage Ratio (DSCR) Calculation

Vanokweretesa vanowanzo shandisa DSCR kuongorora kugona kweimba kubhadhara zvisungo zvechikwereti.Verenga DSCR nekupatsanura:

• Net Operating Income (NOI): Mari inogadzirwa nepfuma.
• Gore negore Zvikwereti Zvisungo: Mortgage kubhadhara uye mari yakabatana.

3. Yakagadzikana Rental History

Ratidza nhoroondo yakagadzikana yekurojesa kuratidza mafambiro emari asingachinji:

• Kurenda Kwenguva Yakareba: Ratidza chero zvibvumirano zverenda zvakawedzerwa.
• Tenant Payment Nhoroondo: Simbisa yakavimbika uye nenguva yekubhadhara.

4. Personal Creditworthiness

Nepo mafambiro emari ezvivakwa ekudyara achikosha, kukweretwa kwemunhu kunoramba kuri chinhu:

• Chengetedza Chikwereti Chakasimba Chibodzwa: Chikwereti chine hutano chinowedzera kukodzera kwechikwereti.
• Kero Chikwereti Chikwereti Matambudziko: Gadzirisa chero mutsauko pane yako kiredhiti repoti.

5. Kunzwisisa Mazano eMukweretesi

Vakasiyana vanokweretesa vane maitiro akasiyana ekufunga mari yekurenda:

• Tsvagiridzo: Nzwisisa nhungamiro chaiyo yemukweretesi wauri kushanda naye.
• Align Documentation: Ita shuwa kuti zvinyorwa zvako zvinoenderana nezvinotarisirwa nemukweretesi.

6. Reserves uye Contingency Plans

Simbisa chikumbiro chako nemari yekuchengetedza:

• Emergency Fund: Iva nekuchengetedza senge rekuchengetedza mari isingatarisirwe kana nzvimbo dzenguva pfupi.
• Contingency Plans: Ratidza kugona kwako kubata zvisingatarisirwi matambudziko emari.

7. Professional Advice

Tsvaga nhungamiro kubva kune vane ruzivo:

• Mortgage Professional: Bvunza nyanzvi yemortgage inonyatsoziva mukudyara kwezvivakwa.
• Financial Advisor: Wana ruzivo mukugadzirisa application yako uye kugadzirisa zvinogona kunetsa.

Mhedziso

Kukodzera kuhodha kuburikidza nekushandisa mari yekudyara zvivakwa mari inoyerera inoda zvinyorwa zvine hungwaru, ruzivo rwemari, uye kuronga kwehunyanzvi.Nekuomerera kumatanho aya, unogona kusimudzira kukodzera kwako kwechikwereti chemba chinoenderana zvisina mutsetse nezvinangwa zvako zvekudyara zvivakwa.Kudyidzana nevashandi vemuindasitiri, kunzwisisa nhungamiro dzevanokweretesa, uye kuchengetedza chinzvimbo chemari chakasimba kuchawedzera kugona kwako kuti ukwanise kuwana imba yemba inongosangana asi inodarika zvaunotarisira.