Kugwiza Igishoro cyawe: Gusobanukirwa Ikigereranyo cya DSCR kubanyamahanga bashora imari mumitungo itimukanwa ya Amerika

Gushora imari mumitungo itimukanwa ya Amerika birashobora kuba amahirwe menshi kubanyamahanga. Ariko, kugendana ningorabahizi ziterwa inkunga birashobora kuba ingorabahizi, cyane cyane mugihe cyo gusobanukirwa igipimo cyimikorere ya serivisi yimyenda (DSCR). Iyi ngingo igamije kumurika igipimo cya DSCR n'akamaro kayo kubanyamahanga bashaka gushora imari mumitungo y'Abanyamerika.

Ikigereranyo cya DSCR ni ikihe?

Ikigereranyo cya DSCR, cyangwa Igipimo cya Coverage Service Coverage, ni igipimo cyingenzi gikoreshwa nabaguriza kugirango basuzume ubushobozi bwumutungo wishoramari kwishyura inshingano zumwenda. Byibanze, ipima umutungo winjiza mubikorwa (NOI) ugereranije na serivisi yimyenda yose. Ikigereranyo cya DSCR cya 1.0 cyerekana ko umutungo winjiza amafaranga ahagije kugirango yishyure umwenda, mugihe igipimo kiri hejuru ya 1.0 cyerekana ibyizaAmafaranga atemba, kandi igipimo kiri munsi ya 1.0 cyerekana ko hashobora kubaho kubura.

Kuki igipimo cya DSCR ari ingenzi kubanyamahanga?

Ku banyamahanga, gusobanukirwa igipimo cya DSCR ni ngombwa kubwimpamvu nyinshi. Ubwa mbere, ifasha mugusuzuma ubuzima bwimari yumutungo ushobora gushora imari. Umubare munini wa DSCR bisobanura ingaruka nke kubatanga inguzanyo, byorohereza abanyamahanga kubona inkunga. Icya kabiri, igipimo gikomeye cya DSCR gishobora kuganisha ku nguzanyo nziza, nk’inyungu ntoya n’amafaranga menshi y’inguzanyo, bishobora kuzamura inyungu z’ishoramari.

Uburyo bwo Kubara Igipimo cya DSCR

Kubara igipimo cya DSCR kirimo formulaire itaziguye:

Igipimo cya DSCR = Amafaranga yinjiza akoreshwa (NOI) Serivisi yimyenda yoseIkigereranyo cya DSCR=Serivisi ishinzwe imyenda yoseAmafaranga yinjira mu bikorwa (NOI)?

Kurugero, niba umutungo winjiza 100.000 $ muri NOI kandi ukaba wishyuye imyenda yumwaka 80.000 $, igipimo cya DSCR cyaba:

Ikigereranyo cya DSCR = 100.000.000.000 = 1.25Ikigereranyo cya DSCR=80,000100,000?=1.25

Iri gereranya ryerekana ko umutungo winjiza amafaranga 25% arenze ayo akenewe kugirango yishyure umwenda, ikimenyetso cyiza kubatanga inguzanyo.

Inama kubanyamahanga kunoza igipimo cya DSCR

1. Ongera amafaranga yo gukodesha: Kongera ubujurire bwumutungo binyuze mu kuvugurura cyangwa kwamamaza ibicuruzwa bishobora gukurura abapangayi bahembwa menshi.
2. Mugabanye amafaranga yo gukoresha: Gushyira mubikorwa ingamba zo kuzigama bishobora kuzamura NOI, bityo kuzamura igipimo cya DSCR.
3. Umwenda w'inguzanyo: Kuganira kumasezerano meza yinguzanyo cyangwa gutera inkunga umwenda uriho ku nyungu ntoya birashobora kugabanya serivisi yimyenda yose.

Umwanzuro

Ku banyamahanga, gusobanukirwa neza igipimo cya DSCR ni ngombwa mugihe ushora imari mumitungo itimukanwa yo muri Amerika. Ibipimo ntabwo bigira ingaruka gusa kubushobozi bwo kubona inkunga ahubwo binagira ingaruka muri rusange inyungu zishoramari. Mu kwibanda ku kuzamura igipimo cya DSCR, abashoramari b’abanyamahanga barashobora kongera amahirwe yo gutsinda ku isoko ry’imitungo itimukanwa yo muri Amerika.

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.