30/11/2023

Kurambura inguzanyo ya DSCR Inguzanyo

Iyo winjiye mubijyanye no gutera inkunga imitungo itimukanwa, ijambo DSCR (Igipimo cya Coverage Ratio Service) Inguzanyo yimari irashobora kugaragara, kandi gusobanukirwa nuburyo bwayo birashobora guha inzira ibyemezo byubukungu.Muri iki gitabo cyuzuye, tuzacengera mwisi yinguzanyo ya DSCR, dusobanure akamaro kayo, inyungu, hamwe nibitekerezo kubagendana nubutaka bugoye bwo gutera inkunga imitungo itimukanwa.

Gusobanura Inguzanyo ya DSCR

DSCR Mortgage Financial bivuga ubwoko bwihariye bwinguzanyo bushimangira igipimo cya serivisi yimyenda, igipimo cyingenzi cyimari ikoreshwa nabaguriza kugirango basuzume ubushobozi bwuguriza kwishyura ubwishyu bujyanye ninguzanyo.Bitandukanye n’inguzanyo gakondo, inguzanyo ya DSCR ishyira imbere iki kigereranyo, itanga uburyo bunoze bwo gusuzuma ubushobozi bwinguzanyo.

Ibigize DSCR

1. Amafaranga yinjira mu bikorwa (NOI):
   • Igisobanuro: Amafaranga yose yinjizwa numutungo ukuyemo amafaranga yo gukora.
   • Akamaro: NOI yo hejuru igira ingaruka nziza DSCR, yerekana inyungu yumutungo.
2. Serivisi ishinzwe imyenda:
   • Igisobanuro: Umubare rusange wamafaranga yishyuwe ninyungu ku nguzanyo.
   • Akamaro: DSCR igereranya ubushobozi bwumutungo wo kwishyura inshingano zumwenda.
3. Igipimo cya serivisi yo kwishyura imyenda (DSCR):
   • Kubara: DSCR ibarwa mugabanye umutungo wa NOI na serivisi yimyenda.
   • Akamaro: Ikigereranyo kiri hejuru ya 1 cyerekana ko umutungo winjiza amafaranga ahagije kugirango yishyure inshingano zumwenda.

Inyungu za DSCR Inguzanyo Amafaranga

1. Kugabanya ingaruka:
   • Ibyiza: DSCR ishyira imbere gusuzuma ingaruka, igaha abatanga inguzanyo ishusho isobanutse yubushobozi bwuwagurijwe kuzuza inshingano zamafaranga.
2. Ibisubizo byihariye:
   • Ibyiza: Inguzanyo ya DSCR irashobora guhuzwa kugirango ihuze ubwoko butandukanye bwimitungo nuburyo bwimari, bitanga ihinduka ryishoramari ryimitungo itandukanye.
3. Amahirwe yo gushora imari:
   • Inyungu: Abashoramari barashobora gukoresha inguzanyo ya DSCR kugirango batange imitungo idashobora kuba yujuje ibisabwa bisanzwe, gutera inkunga amahirwe yo gushora imari.

Ibitekerezo ku baguriza

1. Gusobanukirwa DSCR:
   • Icyifuzo: Abasaba inguzanyo bagomba kumva neza igitekerezo cya DSCR nuburyo bigira ingaruka ku kwemeza inguzanyo.
2. Inyandiko y’imari:
   • Icyifuzo: Inyandiko zikomeye zamafaranga, harimo amakuru yinjiza na raporo zisohoka, ni ngombwa kugirango ubone inguzanyo ya DSCR.
3. Isuzuma ry'umutungo:
   • Icyifuzo: Abatanga inguzanyo basuzuma imikorere yumutungo uriho muri iki gihe hamwe n’ubushobozi bwo kuzamuka kwinjiza ejo hazaza, bigira ingaruka ku mibare ya DSCR.
4. Igipimo cyinyungu n’amategeko:
   • Icyifuzo: Abahawe inguzanyo bagomba gusuzuma neza igipimo cyinyungu n’amagambo ajyanye n’inguzanyo ya DSCR, bakemeza ko bahuza intego zabo.

Kuyobora inzira yinguzanyo ya DSCR

1. Kugisha inama hamwe n'abaguriza:
   • Ubuyobozi: Jya mu nama zirambuye hamwe nabatanga inguzanyo bafite uburambe mu nguzanyo za DSCR kugirango umenye neza ibyangombwa byujuje ibisabwa.
2. Inama z'umwuga:
   • Ubuyobozi: Shakisha inama kubajyanama mu by'imari cyangwa inzobere mu mutungo utimukanwa uzi neza inkunga ya DSCR kugirango ufate ibyemezo byuzuye bijyanye ningamba zawe zishoramari.
3. Ingamba zo kugabanya ingaruka:
   • Ubuyobozi: Gutegura ingamba zo kugabanya ingaruka ziterwa na DSCR, harimo n’ibihe bishobora guhindagurika.

Umwanzuro: Guha imbaraga Intsinzi Yamafaranga

DSCR Mortgage Financial itangiza uburyo bunoze kandi bunoze bwo gutera inkunga imitungo itimukanwa, ishimangira uruhare rukomeye rwikigereranyo cya serivisi yimyenda.Ku baguriza bashaka ibisubizo byihariye, kugabanya ingaruka, hamwe nuburyo butandukanye bwo gushora imari, kumva no kugendana imiterere yinguzanyo ya DSCR birashobora kuba urufunguzo rwo gufungura intsinzi yubukungu.Kimwe nigikorwa icyo aricyo cyose cyamafaranga, gufata ibyemezo neza, ubushakashatsi bunoze, hamwe nubuyobozi bwumwuga nibyingenzi mugukoresha inyungu zinguzanyo za DSCR neza.Noneho, waba uri umushoramari w'inararibonye cyangwa uwaguze inzu ya mbere, tekereza kubushobozi bwo gutanga inguzanyo ya DSCR Mortgage Financial mugushikira imitungo itimukanwa hamwe nubushake bwamafaranga.

Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS;amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya.Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda.Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo.Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo.Shora ukurikije ingaruka zawe.