Ababolekisi bezentengiso banononophelo xa bebhalwa phantsi. Ekubeni iimbali zeentengo zemboleko zabathengi azibalulekiyo kubalulekile ekubolekeni kwezorhwebo, zisebenzisa ezinye iindlela zokuthatha izigqibo zokubolekisa. Ipropati yezentengiso zithengwa ukwenzela ukuvelisa imali, ngoko ke enye yeendlela ezikhethiweyo kukujonga iholo ngenjongo yokubona ukuba kunokwaneleyo ukuhlawula ngokwaneleyo imali yokuboleka imali kwaye ushiye inzuzo kubbolekayo.
Xa umboleki-mboleko ejongene nepropati okanye ipropatiily property, ingaba i-mortgage iya kunikwa, kwaye kungakanani na, inokumiselwa ukusebenzisa i-DSCR, okanye i-Debt Service Coverage Ratio. Ukubala okulula, kodwa kubaluleke kakhulu. Umboleki-mali akaxhomekeke kakhulu kumanqaku ngamatyala okanye kwiimbali zabanikazi. Injongo yotyalo-mali yi-ROI, Ukubuyisela kwi-Investment, kunye nokuhamba kwemali, ngoko ukuhamba kwemali kukuyintloko.
Enyanisweni, abatyali-mali kufuneka baxabise ukunakekelwa kwababolekisi ekuqinisekiseni ukuba ukubala kwemali yokuchaneka kuchanekileyo kwiprojekthi yezindlu. Baza kufuna ukufumana iimali ezibonisa imali kunye neendleko. Baya kuthi ke bafumane ukuba ngaba manani abonakala ngathi baya kuqhubeka kwikamva, okanye mhlawumbi baphumelele okanye babi. Xa amanani abonisa ukuba ukuhamba kwemali kuya kulungelelanisa ngokwaneleyo inkonzo yenkundla, kuqinisekisa ukhetho lokutshala imali kunye nezakhono zokulinganisela umtyalomali.
Nangona kukho indawo ezininzi zokubona indlela yokubala i-DSCR kunye neprojekthi kunye nenani lemali yokuboleka imali esele ikhona, mhlawumbi umthengi uya kufuna ukwazi ukuba bangabaleka kangakanani kwiprojekthi abacinga ukuthenga. Abatyalomali benza izibalo zabo baze bajonge kubolekisi babo abakhethiweyo ukuba baqinisekise amanani abaye bafika nawo.
Bobabini abatyali-mali kunye nababolekisi banomgomo ofanayo kulo mba. Ingaba iprojekthi iya kuba nenzuzo ngokwaneleyo ukunikezela ngetyala ngenzuzo eyaneleyo eseleleyo?
Siza kujonga oku kusuka kwiindlela ezimbini, ukufumana i-DSCR yangoku kunye nokuvavanya ipropati kunye ne-DSCR efunekayo-mboleko. Oku kubalwa kukubuyela kuloo mali usebenzisa umthengi oqhelekileyo obuncinci ovunyelweyo we-DSCR we-1.20. Emva koko siyakwenza enye indlela, senze i-DSCR.
Ubunzima: Umyinge
Ixesha elifunekayo: imizuzu engama-20
Nantsi indlela:
- Ukuchonga ukuhamba kwemali , okanye ingeniso ephezulu yokusebenza emva kokukhupha isithuba kunye nokulahleka kwetyala .
Ixabiso lentengo ye-187,000 / ngonyaka-9% isithuba kunye nokulahleka kwetyala ($ 16,830) = $ 170,170
- Emva koko fumana kwi-NO, okanye ngenzuzo engenayo yomsebenzi ngokukhupha zonke iindleko zokusebenza kunye nokulawula, kuquka iirhafu kunye ne-inshurensi.
Imali engenayo yokusebenza - Zonke iindleko = I-NO, okanye iNgeniso yeMali yokuSebenza
$ 170,170 - 72,470 (iindleko) = $ 97,700 I-NO
Iinyanga eziyi-97,700 / ezili-12 = i-8142 / inyanga ye-NOI
- Ukuba umboleki-mali usebenzisa i-DSCR eyamkelekileyo ye-1.20, ke loo $ 8142 / inyanga bekufuneka ibe yi-1.2 yezihlandlo zenyanga zokuhlawula imali. Ukufikelela kuloo ntlawulo enkulu, kubalulekile ukwahlula i-$ 8142 nge-1.2.
Imali eyi-8142 yenyanga ngeniso engenayo / 1.20 ubuncinci i-DSCR = i-6785 / inyanga ephezulu yokuhlawulwa kwemali.
- Ngoku kuyimfuneko kuphela ukufumanisa ukuba ingaba ingahlawulwa kangakanani kwiirhafu zangoku. Ukuba lo mthengi angalindela inzala yemali engama-6.875% kwimali-mboleko yeminyaka engama-30, i-calculator yokuthenga imali iya kuthixelela ukuba umnini-mboleko unokuthi uzimisele ukubolekisa i-$ 1,032,836 kwipropati , njengoko loo mboleko kunye nenzala yemali iya kuba neenqununu i-6785 / ngenyanga, kwaye ubuncinane be-1.20 DSCR.
Abaninzi bemali yokubala bayakuvumela ukuba ufake inkokhelo, inzala kunye nexesha lokubala inani lemali mboleko.
- Xa saqala, sazi ukuba sisekela kwisixa semali esetyenziselwa ukusebenzisa i-DSCR, njengoko thina singabathengi abafuna ukuqikelela ukuba ingabaleka kangakanani imali yokubolekwa kwipropati esiyihlolisayo ngokuthenga. Kodwa, masenze nje ukubalwa kwe-DSCR apho siyazi khona iindleko zeeprojekthi kunye neentlawulo zemboleko.
I-223,000 I-NO / i-$ 172,000 Iimali zokuhlawula i-Mortgage Annual = 1.30 DSCR
1.3 lingcono kune-1.2 kulo mzekelo, mhlawumbi i-DSCR eyamkelekileyo. Nangona kunjalo, ukuba umboleko omtsha ufunwa kwiprojekthi yokusebenza, i-NO yangoku iyakusetyenziswa njengoko senza okokuqala ukuze sibone oko kunokufumaneka njengemali yokuthenga imali.
Xa amanani asebenza, abatyalo-mali nababolekisi banokuziva bazive kakuhle malunga nenkxaso yeprojekthi kunye nenkxaso ezayo.
Ingaba ufuna ntoni:
- Iinkcukacha zengeniso kunye neendleko zepropati.
- I-calculator yemboleko.