Setsi sa Lihlahisoa

Kakaretso

Polelo ea Banka ea Portfolio
Phatlalatso ea DSCR
DSCR ea Naha ea Kantle ho Portfolio

* Retail feela

Lintlha

1) 5/6 ARM Karolelano ea Matsatsi a 30 ea SOFR (5/1/5);
2) Karo-karolelano ea theko tlas'a temana ea 1:2;
3) Max. Kalimo Chelete $5,000,000.

* Karolelano ea theko ho feta tekanyo e sa amoheleheng

Polelo ea Banka ea Portfolio

1) Tefiso ea UW $1495 & Tefiso ea Ts'ebetso $845;

2) Tefiso ea Tlhahlobo ea Tšepo/Mokhatlo $300, haeba ho hlokahala;

3) Moputso oa Setatemente sa Banka Max. LTV 65%;

4) Statement Bank - Interest Feela Max. LTV 60%;

5) Mets. Kalimo Chelete $500,000;

6) Naha ea Kantle ho Naha - Ha e Tšoanelehe;

7) Kotlo ea Tefo ea Pele ea Likhoeli tse 18 e lekana le tsoala ea likhoeli tse 6;

8) Mets. Likhoeli tse 12 PITIA ka thepa ea sehlooho e le mehloli ea polokelo;

9) Mokhelo: nyeoe ka 'ngoe bakeng sa chelete ea mokoloto ≤ $500k le 0.5 e fetotsoeng ho tefo.

Phatlalatso ea DSCR

1) Tefiso ea UW $1495 & Tefiso ea Ts'ebetso $845;

2) Tlhahlobo ea Tšepo / Mokhatlo $300, haeba ho hlokahala;

3) Mets. Kalimo Chelete $500,000;

4) Naha ea Kantle ho Naha - Ha e Tšoanelehe;

5) Bonyane DSCR 1,000;

6) Kalimo e Etsoang ho Motho oa Tlhaho - Ha ho Bakalimi ba Mokhatlo;

7) Thepa ea 2-4 ea Yuniti ea Tšoaneleha le Phokotso ea 5% ho Max. LTV/CLTVs ho Matrix;

8) Kotlo ea Tefo ea Pele ea Likhoeli tse 18 e lekana le tsoala ea likhoeli tse 6;

9) Mets. Likhoeli tse 12 PITIA ka thepa ea sehlooho e le mehloli ea polokelo;

10) Mokhelo: nyeoe ka 'ngoe bakeng sa chelete ea mokoloto ≤ $500k le 0.5 e fetotsoeng ho tefo.

Photefolio FN DSCR

1) Tefiso ea UW $1495 & Tefiso ea Ts'ebetso $845;

2) Tlhahlobo ea Tšepo / Mokhatlo $300, haeba ho hlokahala;

3) Tlhahlobo ea Naha ea Kantle ho Naha $250;

4) Mets. Kalimo Chelete $500,000;

5) Bonyane DSCR 1,000;

6) Thahasello Feela - Ha e lumelloe;

7) Matla a 'Muelli - Ha A lumelloe;

8) Kotlo ea Pele ho Tefo (Motseteli feela) ke likhoeli tse 18 mme e lekana le tsoala ea likhoeli tse 6.

9) Mets. Likhoeli tse 12 PITIA ka thepa ea sehlooho e le mehloli ea polokelo;

10) Mokhelo: nyeoe ka 'ngoe bakeng sa chelete ea mokoloto ≤ $500k le 0.5 e fetotsoeng ho tefo.

Mokhoa oa ho Bala Portfolio DSCR?

DSCR e tla baloa ka tsela e latelang: DSCR = *Letseno la Chelete ea Rente ÷ Tefo ea Khoeli e Tšoanelehang (P le 'na feela);

*Chelete ea Chelete ea Rente = Bohle ba Rente * (1 – Sebakeng sa Litšenyehelo);

Lintlha tsa Litšenyehelo: Thepa e se nang HOA = 25%, Thepa e nang le HOA = 30%;

Rente e tla ba e nyane ho: Lekeno la hajoale la khiriso kapa chelete ho 1007 e fanoeng ke mohlahlobi e bonts'ang kemiso e lekantsoeng ea rente ea mmaraka.