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) Tlaleho ea Banka - Tsoala 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) Mets.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) Mets.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);
*Moputso oa Chelete oa Rente = Kakaretso ea Rente * (1 - Ntlha ea 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.
