Gufungura amahirwe yo gushora imari kubanyamahanga hamwe na DSCR

Gushora imari mumitungo itimukanwa yo muri Amerika bitanga amahirwe menshi kubanyamahanga bashaka gutandukanya imishinga yabo no gukanda muri lu nyinshi.CRAtive amasoko yumutungo kwisi. Ariko, kubona inkunga nkumunyamahanga birashobora kuba ingorabahizi kubera inguzanyo gakondo zisabwa. Ku bw'amahirwe, gahunda y'inguzanyo ya DSCR yo mu mahanga itanga igisubizo kiboneye, cyemerera abashoramari b'abanyamahanga kwemererwa gutera inkunga hashingiwe ku nyungu ziva mu mutungo wabo w'ishoramari aho kuba inyungu zabo bwite cyangwa amateka y'inguzanyo. Muri iki kiganiro, tuzareba uburyo gahunda yinguzanyo ya DSCR ikorera abanyamahanga n'impamvu ari amahitamo meza yo gushora imari mumitungo itimukanwa.

Umunyamahanga ni ikiInguzanyo ya Dscr?

Inguzanyo y’amahanga y’amahanga DSCR ni ibicuruzwa byinguzanyo byateguwe cyane cyane kubatari abanyamerika bashaka gutera inkunga umutungo w’ishoramari muri Amerika. DSCR isobanura Igipimo cya Coverage Coverage Ratio, ni igipimo cyamafaranga gikoreshwa nabatanga inguzanyo kugirango harebwe niba umutungo winjiza amafaranga ahagije kugirango yishyure umwenda (ni ukuvuga kwishyura inguzanyo). Mu nguzanyo ishingiye kuri DSCR, abatanga inguzanyo bibanda ku nyungu z'umutungo winjiza (NOI) aho kwinjiza inguzanyo ku muntu ku giti cye.

Ku banyamahanga, ibi bivuze ko inzira yo gutanga inguzanyo ishingiye cyane cyane ku bushobozi bw’umutungo bwo kwinjiza amafaranga, aho kuba amanota y’inguzanyo y’umushoramari cyangwa imenyekanisha ry’imisoro ku giti cye. Ibi byorohereza abashoramari b’abanyamahanga kubona inkunga badakeneye kuzuza ibisabwa muri Amerika.

Uburyo Inguzanyo zigihugu zamahanga DSCR zikora

Gahunda y’inguzanyo y’amahanga DSCR ikoresha amahame shingiro nkinguzanyo isanzwe ya DSCR, ariko hiyongereyeho abashoramari mpuzamahanga. Muri ubu bwoko bwinguzanyo, abatanga inguzanyo basuzuma umutungo winjiza amafaranga mukubara DSCR. Niba umutungo ukodeshwa winjiza cyangwa izindi nzira zinjira zihagije kugirango bishyure serivisi yimyenda, umushoramari arashobora kwemererwa kubona inguzanyo, atitaye kumiterere yubukungu bwabo.

Abanyamahanga ntibasabwa gutanga imenyekanisha ryimisoro yo muri Amerika, ibyinjira byinjira, cyangwa amanota yinguzanyo muri Amerika. Ahubwo, inguzanyo isuzumwa hashingiwe kumafaranga yinjira mumitungo, bigatuma inzira yihuta kandi yoroshye kubashoramari mpuzamahanga.

Ninde ushobora kungukirwa ninguzanyo yigihugu ya DSCR?

Inguzanyo y’amahanga DSCR ni nziza ku bashoramari bo hanze y’Amerika bashaka kwifashisha isoko ry’imitungo itimukanwa yo muri Amerika ariko ntibujuje ibisabwa bisanzwe kugira ngo babe inguzanyo gakondo. Iyi gahunda y'inguzanyo ni ingirakamaro kuri:

- Abanyamahanga bashaka gushora imari mu mutungo utimukanwa w’Amerika: Inguzanyo ya DSCR ijyanye n’ibikenewe n’abashoramari mpuzamahanga badashobora kugira amateka y’inguzanyo muri Amerika cyangwa amafaranga yinjira muri Amerika.
  
- Abashoramari bashaka inkunga yoroheje: Gahunda y'inguzanyo ya DSCR ikuraho ibikenerwa kumenyekanisha imisoro, imisoro yishyurwa, cyangwa izindi nyandiko z'umutungo bwite, bituma abanyamahanga babona inkunga bafite impapuro nke.

- Abashoramari batimukanwa bafite amazu akodeshwa: Abashoramari bafite amazu akodeshwa muri Amerika barashobora gukoresha amafaranga yinjizwa niyi mitungo kugirango bemererwe gutera inkunga, byoroshye kubona imitungo myinshi no kuzamura inshingano zabo.

- Abaguzi mpuzamahanga bashaka inzira yoroheje yujuje ibyangombwa: Inguzanyo y’amahanga DSCR y’amahanga ni byiza rwose ku bashoramari bakunda inzira yoroshye, yihuse, kuko yibanda ku mutungo w’amafaranga aho kuba amakuru yabo bwite.

Kuki Guhitamo Inguzanyo Yigihugu Yamahanga DSCR yo gushora imari mumitungo itimukanwa?

Gahunda y’inguzanyo y’amahanga DSCR ni amahitamo meza kubashoramari bifuza kwagura umutungo wabo utimukanwa muri Amerika Byemerera abanyamahanga kwishora mumasoko yimitungo itimukanwa yo muri Amerika atera imbere nta mpapuro zitoroshye hamwe nibyangombwa bisanzwe bisabwa ku nguzanyo gakondo. Inyungu yibanze yiyi nguzanyo nuko ishingiye kumafaranga yinjiza aho kuba amafaranga yumuntu ku giti cye, bigatuma abashoramari babanyamahanga bemererwa gutera inkunga byoroshye.

Byongeye kandi, uburyo bworoshye bwo gusaba busobanura ko abanyamahanga bashobora kwimuka vuba kugirango babone inkunga kandi bakoreshe amahirwe yishoramari badatinze kugorana nuburyo bukoreshwa muburyo bwinguzanyo.

Umwanzuro

Gahunda y’inguzanyo y’amahanga DSCR itanga amahirwe adasanzwe kubashoramari mpuzamahanga gutera inkunga ishoramari ryimitungo itimukanwa rya Amerika hashingiwe kumafaranga yimitungo. Mugihe bidakenewe kumenyekanisha imisoro muri Amerika, amanota yinguzanyo, cyangwa ibyangombwa byinjira byinjira, iyi gahunda yinguzanyo yoroshya inzira yujuje ibyangombwa, byorohereza abanyamahanga kwinjira mumasoko yimitungo yo muri Amerika. Waba ushaka kugura umutungo umwe wishoramari cyangwa kwagura portfolio ihari, Inguzanyo yigihugu ya DSCR yamahanga irashobora kugufasha kugera kubyo wifuza gushora.

Kugira ngo umenye byinshi ku nguzanyo y’amahanga DSCR y’amahanga n’uburyo ishobora kugufasha kubona inkunga yo gushora imari mu mutungo utimukanwa, hamagara AAA Inguzanyo uyu munsi.

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