Koroshya Amafaranga Yishoramari: Inguzanyo ya DSCR Nta musoro usabwa

Ku bashoramari batimukanwa, kubona inkunga kumitungo birashobora kuba inzira igoye kandi itwara igihe, cyane cyane iyo bisaba ibyangombwa byinshi byinjira. Gusaba inguzanyo gakondo birashobora kuba umutwaro, bisaba imenyekanisha ryimisoro, imisoro yishyuwe, nibindi bisobanuro birambuye byerekana imari. ArikoDSCRgahunda y'inguzanyo itanga ubundi buryo bushya bworoshya inzira kuburyo bugaragara. Muri iki kiganiro, tuzaganira ku buryo inguzanyo ya DSCR ikora, impamvu idasaba kumenyekanisha imisoro, nuburyo abashoramari batimukanwa bashobora kungukirwa nubu buryo bworoshye.

Inguzanyo ya DSCR ni iki kandi ikora ite?

Porogaramu y'inguzanyo ya Coverage Ratio (DSCR) yagenewe by'umwihariko abashoramari batimukanwa bashaka gutera inkunga imitungo ibyara inyungu. Bitandukanye ninguzanyo zisanzwe, zisanzwe zisaba uwagurijwe gutanga amakuru yimari yumuntu ku giti cye, inguzanyo ya DSCR yibanda kumikorere yumutungo nyirizina.

DSCR ni igipimo kigereranya umutungo winjiza (NOI) na serivisi yimyenda (yose hamwekwishyura inguzanyo). Iri gereranya rifasha abatanga inguzanyo kumenya niba umutungo winjiza amafaranga ahagije kugirango yishyure amafaranga, harimo no kwishyura inguzanyo. DSCR ya 1.0 yerekana ko umutungo winjiza uhagije kugirango wishyure umwenda. DSCR irenze 1.0 yerekana ko umutungo winjiza amafaranga asagutse, bikaba byiza kubatanga inguzanyo kandi bifasha kugabanya ingaruka zabo.

Imbaraga zo Nta musoro usabwa

Kimwe mu bintu bikurura gahunda ya DSCR y'inguzanyo ni uko bidasaba imenyekanisha ry'umusoro. Mubisabwa gakondo byinguzanyo, gutanga imenyekanisha ryimisoro akenshi nintambwe ikomeye yo kwerekana uwagurijwe. Kubashoramari benshi batimukanwa, ibi birashobora kuba imbogamizi ikomeye, cyane cyane niba bafite imari igoye, amafaranga yinjiza adasanzwe, cyangwa imitungo myinshi.

Hamwe ninguzanyo ya DSCR, abashoramari barashobora kwemererwa gushingiye kumafaranga yinjizwa numutungo wonyine, badakeneye gutanga imenyekanisha ryimisoro. Ibi bituma ihitamo neza kubashoramari bashobora kuba badafite amafaranga yinjiza cyangwa bahitamo kwirinda gusangira ibyangombwa byimari birambuye. Mugukuraho iki cyifuzo, gahunda yinguzanyo ya DSCR yoroshya inzira yo kwemeza kandi igabanya igihe bifata kugirango umutekano ube.

Ninde wungukirwa n'inguzanyo ya DSCR?

Gahunda y'inguzanyo ya DSCR ni ingirakamaro cyane cyane kubashoramari batimukanwa. Abashobora kubyungukiramo barimo:

- Abashoramari bikorera ku giti cyabo: Abashoramari batimukanwa bikorera ku giti cyabo cyangwa bafite amasoko adasanzwe yinjiza akenshi baharanira gutanga ibyinjira byinjira mu nguzanyo zisanzwe. Inguzanyo ya DSCR ikuraho iyi nzitizi.
  
- Abashoramari bafite imitungo myinshi: Abashoramari bafite amazu menshi yo gukodesha birashobora kugorana kwerekana amafaranga yinjiza mumitungo yose. Mu kwibanda kuri buri mutungo winjiza aho kwinjiza amafaranga, inguzanyo ya DSCR yoroshya inzira.

- Abashoramari bafite amafaranga ahindagurika: Niba umushoramari yinjiza atandukanye uko umwaka utashye, kwerekana amafaranga yinjiza binyuze mumisoro birashobora kuba ikibazo. Gahunda y'inguzanyo ya DSCR ikuraho iki kibazo yibanda ku nyungu z'umutungo aho gushora imari.

- Abashoramari bashaka kwemererwa byihuse: Nta mpamvu yo kumenyekanisha imisoro hamwe nizindi nyandiko bwite, inzira yinguzanyo ya DSCR irihuta, bigatuma abashoramari bakoresha amahirwe vuba.

Uburyo inguzanyo ya DSCR ifasha abashoramari gukura mu nshingano zabo

Ubworoherane nubworoherane bwinguzanyo ya DSCR ituma abashoramari bakora byihuse kandi bafite umutekano mumitungo mishya. Kuberako abatanga inguzanyo bashingira ibyemezo byinguzanyo kubyo umutungo winjiza, abashoramari barashobora kwagura inshingano zabo batagombye kwerekana ko binjije cyangwa gutanga imisoro. Ibi birashobora kuba akarusho gakomeye mumasoko yimitungo irushanwe aho ibihe ari ngombwa.

Byongeye kandi, inguzanyo ya DSCR yemerera abashoramari gukoresha umutungo wabo uriho kugirango babone imitungo myinshi, biganisha ku iterambere ryihuse. Ukoresheje inguzanyo ya DSCR, abashoramari barashobora gupima ubucuruzi bwimitungo yabo hamwe nimpapuro nke kandi byoroshye.

Umwanzuro

Gahunda y'inguzanyo ya DSCR itanga uburyo bunoze kandi bunoze bwo gutera inkunga abashoramari batimukanwa, batanga ibyemezo byihuse kandi bikuraho ibikenewe kumenyekanisha imisoro. Mu kwibanda ku nyungu zituruka ku mutungo, inguzanyo ya DSCR yorohereza abashoramari bafite amafaranga adasanzwe cyangwa imitungo myinshi kugirango babone inkunga. Hamwe niyi nzira yoroshye, abashoramari barashobora guteza imbere inshingano zabo, gukoresha amahirwe mashya, no gutera inkunga byihuse.

Niba uri umushoramari utimukanwa ushaka koroshya inzira yawe yo gutera inkunga, gahunda yinguzanyo ya DSCR irashobora kuba igisubizo cyiza. Kugira ngo umenye byinshi byukuntu gahunda yinguzanyo ya DSCR ishobora kugufasha, hamagara AAA Inguzanyo uyumunsi.

Hamagara: (877) 789-8816
Imeri: uraho@aaalendings.com
Sura: https://www.wholesaleaaalendings.com/