Ho Holisa Matsete a Hao: Ho Utloisisa Karo-karolelano ea DSCR Bakeng sa Baahi ba Kantle ho Naha ba Tsetelang ho US Real Estate

Ho tsetela ho meaho ea US e ka ba monyetla o motle bakeng sa batho ba tsoang kantle ho naha. Leha ho le joalo, ho sebetsana le mathata a lichelete ho ka ba phephetso, haholo-holo ha ho tluoa tabeng ea ho utloisisa tekanyo ea likarabelo tsa tšebeletso ea sekoloto (Debt Service Coverage Ratio).DSCR). Sengoliloeng sena se ikemiselitse ho fana ka leseli mabapi le karo-karolelano ea DSCR le bohlokoa ba eona ho batho ba tsoang kantle ho naha ba batlang ho tsetela thepa ea Amerika.

DSCR Ratio ke eng?

Karolelano ea DSCR, kapa Debt Service Coverage Ratio, ke metric ea bohlokoa e sebelisoang ke baalimi ho lekola bokhoni ba thepa ea matsete ho koahela mekoloto ea eona. Ha e le hantle, e lekanya chelete e kenang ea ts'ebetso ea thepa (NOI) e amanang le tšebeletso ea eona ea likoloto. Karo-karolelano ea DSCR ea 1.0 e bontša hore thepa e hlahisa chelete e lekaneng ho lefella likoloto tsa eona, athe karolelano e ka holimo ho 1.0 e bolela ho ba le chelete e ntle.Phallo ea chelete, 'me karolelano e ka tlase ho 1.0 e bontša khaello e ka bang teng.

Hobaneng ha Karolelano ea DSCR e le Bohlokoa ho Baahi ba Kantle ho Naha?

Bakeng sa batho ba tsoang kantle ho naha, ho utloisisa karo-karolelano ea DSCR ho bohlokoa ka mabaka a 'maloa. Taba ea pele, e thusa ho lekola bophelo bo botle ba lichelete ba thepa e ka bang teng ea matsete. Karolelano e phahameng ea DSCR e bolela kotsi e tlase bakeng sa ba alimang, e nolofalletsang batho ba tsoang kantle ho naha ho fumana lichelete. Taba ea bobeli, karo-karolelano e matla ea DSCR e ka lebisa ho maemo a betere a mokoloto, joalo ka litefiso tse tlase tsa tsoala le litefiso tse phahameng tsa kalimo, tse ka ntlafatsang phaello ea matsete haholo.

Mokhoa oa ho bala karo-karolelano ea DSCR

Ho bala karo-karolelano ea DSCR ho kenyelletsa foromo e otlolohileng:

Karolelano ea DSCR=Letseno la Ts'ebetso (NOI)Kakaretso ea LikolotoKarolelano ea DSCR=Kakaretso ea Tšebeletso ea SekolotoChelete ea Ts'ebetso (NOI).

Mohlala, haeba thepa e hlahisa $100,000 ho NOI mme e na le litefiso tsa selemo le selemo tsa mekoloto ea $80,000, karo-karolelano ea DSCR e tla ba:

DSCR Karolelano=100,00080,000=1.25Karolelano ea DSCR=80,000100,000.=1.25

Karo-karolelano ena e bontša hore thepa e hlahisa chelete e fetang 25% ho feta e hlokahalang ho lefella likoloto tsa eona, e leng letšoao le letle bakeng sa ba alimang.

Malebela bakeng sa Baahi ba Kantle ho Naha ho Ntlafatsa Karolelano ea DSCR

1. Eketsa Moputso oa ho Renta: Ho ntlafatsa boipiletso ba setša ka ho nchafatsa kapa ho bapatsa ka leano ho ka hohela bahiri ba lefang haholo.
2. Fokotsa Litšenyehelo tsa Ts'ebetso: Ho kenya ts'ebetsong mehato ea ho boloka litšenyehelo ho ka matlafatsa NOI, ka hona ho ntlafatsa tekanyo ea DSCR.
3. Mokoloto oa Refinance: Ho buisana ka litumellano tse betere tsa mokoloto kapa ho tšehetsa sekoloto se seng se ntse se le teng ka litefiso tse tlase tsa tsoala ho ka fokotsa kakaretso ea tšebeletso ea sekoloto.

Qetello

Bakeng sa batho ba tsoang kantle ho naha, kutloisiso e felletseng ea karo-karolelano ea DSCR e bohlokoa ha o tsetela ho meaho ea US. Metric ena ha e ame feela bokhoni ba ho boloka lichelete empa hape e ama phaello e akaretsang ea matsete. Ka ho shebana le ho ntlafatsa karo-karolelano ea DSCR, batseteli ba kantle ho naha ba ka ntlafatsa menyetla ea bona ea katleho 'marakeng oa tlholisano oa thekiso ea matlo le meaho oa US.

Polelo: Sehlooho sena se hlophisitsoe ke AAA LENDINGS; tse ling tsa litšoantšo li nkiloe Marang-rang, boemo ba sebaka sa marang-rang ha bo emeloe 'me bo ke ke ba hatisoa hape ntle le tumello. Ho na le likotsi 'marakeng mme matsete a lokela ho ba hlokolosi. Sengoliloeng sena ha se bokelle boeletsi ba matsete a motho ka mong, ebile ha se nahane ka sepheo se ikhethileng sa matsete, boemo ba lichelete kapa litlhoko tsa basebelisi ka bomong. Basebelisi ba lokela ho nahana hore na maikutlo afe kapa afe, maikutlo kapa liqeto tse fanoeng mona li loketse maemo a bona. Tsetela ka nepo ka ho ipeha kotsing.