12/04/2023

Muri iki gihe isoko ryimitungo itimukanwa, kubona igisubizo gikwiye cyo gutera inkunga birashobora guhindura umukino, cyane cyane kubashoramari. IwacuDSCR (Ikigereranyo cya serivisi yimyenda)ibicuruzwa byinguzanyo byateguwe kugirango ishoramari ryimitungo irusheho kugerwaho kandi neza. Iki gikoresho cyihariye cyimari cyemerera abahawe inguzanyo gukoresha amafaranga yubukode kugirango babone inguzanyo, bakirengagiza ibyangombwa byinjira byinjira. Iyi ngingo izasesengura ibice bitandukanye byibicuruzwa byacu DSCR nuburyo igaragara ku isoko.

DSCR ni iki?

Igipimo cya serivisi yo kwishyura imyenda (DSCR)ni ibipimo byimari bikoreshwa mukumenya amafaranga yimitungo. Ipima umutungo winjiza buri mwaka winjiza (NOI) ugereranije ninshingano zumwaka. Abatanga inguzanyo mubisanzwe bakoresha DSCR kugirango bamenye niba uwagurijwe yujuje inguzanyo zishoramari ryimitungo itimukanwa. Nibimenyetso byingenzi byerekana ko uwagurijwe afite ubushobozi bwo kwishyura inguzanyo. Mubisanzwe, niba DSCR yumutungo itujuje ibisabwa byibuze uwatanze inguzanyo, gusaba inguzanyo birashobora kwangwa. Ariko, uburyo bwacu buratandukanye. Dutanga ibintu byoroshye, ndetse kubintu bitujuje ibisabwa bisanzwe byinjira.

Ibisabwa kugirango usabe ibicuruzwa byacu DSCR
IwacuDSCRibicuruzwa birashobora kugera kumurongo mugari wabasabye. Niba amanota yawe ya FICO ari 660 cyangwa arenga, wemerewe gusaba. Twishimiye kandi abanyamahanga gusaba inguzanyo zacu DSCR. Byongeye kandi, dutanga amasezerano yo guhatanira, harimo kwishyura byibuze 20% hamwe ninguzanyo-ku giciro cya 80%.

Abanyamahanga n’umutungo w’ishoramari
Ku nguzanyo ya AAA, tuzi imiterere yisi yose ishoramari ryimitungo itimukanwa. Abanyamahanga ntibemerewe gusa ariko bakirirwa basaba ibyacuDSCRinguzanyo. Hamwe no kwishyura 30% gusa, abashoramari babanyamahanga barashobora kubona umutungo wabo wo gushora imari muri Amerika, bigatuma ishoramari mpuzamahanga ryimitungo itimukanwa ryagerwaho kuruta mbere hose.

Inguzanyo ya DSCR yo gukodesha igihe gito
Guhinduka kwacuDSCRibicuruzwa bigera kubintu bitandukanye byumutungo, harimo nibikoreshwa mubukode bwigihe gito. Uku guhuza n'imihindagurikire y'ikirere ni ingirakamaro cyane ku isoko ry'iki gihe, aho ubukode bw'igihe gito bushobora kuba uburyo bwo gushora imari. Twandikire kugirango ubone ibisobanuro birambuye kubyerekeranye ninguzanyo zacu DSCR zijyanye niki gice.

Gukemura Amafaranga Yishyuwe Yisumbuye Kurenza Amafaranga akodeshwa
Ikibazo gihangayikishije abashoramari ni igihe amafaranga yubukode bwumutungo atagishoboye kwishyura inguzanyo. IwacuDSCRibicuruzwa bitanga 'nta kigereranyo', kugabanya iyi mpungenge. Iyi mikorere ituma abashoramari babona inguzanyo nta mpungenge zo guhuza cyangwa kurenza kwishyura inguzanyo hamwe ninjiza yubukode.

Ubworoherane bwo gusaba Inguzanyo zacu DSCR

Gusaba aDSCRinguzanyo hamwe na AAA Inguzanyo iroroshye. Twemerera ibintu byinshi byujuje ibyangombwa kugirango dushobore gushingira kumafaranga, koroshya inzira. Ubu buryo butanga amahirwe kubashoramari benshi binjira mumasoko yimitungo itimukanwa.

Nigute Gahunda ya DSCR ikora?
IwacuDSCRinguzanyo zikora muburyo butemewe bwa Mortgage Mortgage, hibandwa kumafaranga aturuka kumitungo iteganijwe gukodeshwa aho kuba uwagurijwe. Iyi moderi ni nziza cyane kubashoramari bashobora kuba bafite umutungo munini ariko amafaranga adasanzwe yinjira. Dushingiye ku kwemererwa inguzanyo ku mutungo winjiza amafaranga, dutanga uburyo bworoshye kandi bworohereza abashoramari.

Ibyiza byo guhitamo ibicuruzwa byinguzanyo ya DSCR
Inzira yoroshye yujuje ibyangombwa: IwacuDSCRinguzanyo ntisaba kugenzura amafaranga gakondo, kumenyekanisha imisoro, cyangwa amateka yakazi. Ubu buryo bworoshye butuma ibyemezo byinguzanyo byihuta kandi byoroshye.

Kugera kubanyamahanga: Turemera uruhare rukomeye rwabashoramari kwisi ku isoko ryimitungo itimukanwa. Ibicuruzwa byacu DSCR byateguwe kugirango bikemure ibyifuzo byabanyamahanga, bibaha amahirwe angana yo gushora mumitungo ya Amerika.

Guhinduka mu gutera inkunga: Niba ingamba zawe zishoramari zirimo ubukode bwigihe kirekire cyangwa amazu yikiruhuko cyigihe gito, inguzanyo zacu DSCR zirahuza nubwoko butandukanye bwumutungo nuburyo bwishoramari.

Nta buryo bwo kugereranya uburyo bworoshye bwo guhinduka: Ihitamo rya 'no ratio' munsi yibicuruzwa byacu DSCR ritanga amahoro yo mumutima kubashoramari, byemeza ko ihindagurika ryinjira mubukode ritabangamira urugendo rwabo rwishoramari.

Amarushanwa y’imari arushanwe: Hamwe namahitamo nko kwishyura make hamwe ninguzanyo nziza-ku gaciro, inguzanyo zacu DSCR zirashimishije mubukungu, bigatuma ishoramari ryimitungo itimukanwa ryagerwaho kubantu benshi.

Inkunga yingamba zinyuranye zishoramari: Waba uri umushoramari umaze igihe cyangwa mushya ku isoko ryimitungo itimukanwa, inguzanyo zacu DSCR zishyigikira ingamba zitandukanye zishoramari, kuva mumazu yumuryango umwe kugeza kumitungo myinshi.

Umwanzuro
IwacuDSCRibicuruzwa byinguzanyo nibyerekana ko twiyemeje gutanga ibisubizo byubukungu kandi byoroshye kubashoramari batimukanwa. Hamwe nibintu bisa nkaho nta kugenzura kwinjiza, guhinduka kubanyamahanga, no guhuza nubwoko butandukanye bwumutungo, turimo gusobanura imiterere yishoramari ryimitungo itimukanwa. Niba ushaka gutangira cyangwa kwagura urugendo rwawe rwo gushora imari mumitungo itimukanwa, inguzanyo zacu DSCR zitanga uburyo bwiza bwo guhinduka, kuborohereza, no gukurura imari.

Fata Intambwe ikurikira

Witegure gushakisha ibishoboka hamwe natweDSCRibicuruzwa by'inguzanyo? Menyesha AAA Inguzanyo uyumunsi hanyuma utere intambwe yambere yo kumenya ibyifuzo byishoramari ryimitungo itimukanwa. Hamwe n'ubuhanga bwacu hamwe nibisubizo bishya byo gutera inkunga, intego zishoramari ziragerwaho.

Video:Kugwiza ishoramari ryimitungo itimukanwa hamwe nibicuruzwa byacu bishya bya DSCR

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.