Vatengesi vemabhizimisi vanonyatsocherechedza mukunyorera kwavo. Sezvo chikwereti chezvinyorwa zvevatengi zvisingawanzokosha mukukweretesa kwekutengesa, vanoshandisa imwe nzira yekuita zvikwereti. Nzvimbo yekutengeserana inotengwa kuti iwane mari, saka imwe yemitemo iyo inowanikwa ndeyekutarisa pamari kuti uone kana zvakakwana kuti zvikwanise kubhadhara chikwereti uye kusiya mari kune vanobhadhara.
Kana munhu ane chikwereti achitarisa imba kana zvinhu zvakawanda, kana chikwereti chichapiwa, uye kuti zvakadini, zvinogona kutsunga kushandisa DSCR, kana Debt Service Coverage Ratio. Iko kuverenga nyore, asi zvakakosha zvikuru. Uyu anokweretesa haasi kunyanya kunetseka nemunhu mumwe nomumwe chikwereti kana nhoroondo dzevanatenzi. Chinangwa chekutsvaga mari ndeye ROI, Kudzoka kune Investment, uye kubuda kwemari, saka kubuda kwemari ndiyo inonyanya kufunga.
Chaizvoizvo, vatengi vanofanirwa kukoshesa kutarisira kwevateresi pakuita kuti mari yekuyerera kwemari yakarurama kune purojekiti yeimba. Vachange vachida kuona mari yezvemari inoratidza mari uye mari. Vachazoona kana nhamba idzi dzichiita sekuti dzicharamba dzichienda mune ramangwana, kana kuti dzichava nani kana dzakaipa. Kana nhamba dzichiratidza kuti kubuda kwemari kuchagadzirisa zvakakwana basa rekukwereta, rinosimbisa kusarudzwa kwekutsvaga kwekutsvaga kwekutsvaga uye unyanzvi hwekusimudzira wemuti wezvemari.
Kunyange zvazvo kune nzvimbo dzakawanda dzekuona kuverenga DSCR neprojekti uye mari yekubhadhara mari iripo kare, zviri nyore kuti mutengi achatsvaka kuziva kuti vangakwereta sei purojekiti yavavari kufunga kutenga. Varairimi vanoita zvadzo pachavo uye vanotarisa kune chikwereti chavakasarudzwa kuti vimbise nhamba dzavakauya nadzo.
Vose vatengesi nevateresi vane chinangwa chakafanana mune izvi. Icho chinangwa chichave chaibatsira zvakakwana kushanda chikwereti nemari yakakwana yakasara here?
Tichatarisa izvi kubva kumativi maviri, kuwana DSCR ikozvino uye kuongorora imwe nzvimbo neine chikwereti-chaidiwa DSCR. Iyi kuverenga inodzokera mumutengo iwoyo uchishandisa chikwereti chinowanikwa pasi chairo chinogamuchirwa DSCR cha 1.20. Zvadaro tichazviita pane imwe nzira, tichiwana DSCR.
Dambudziko: Avhareji
Nguva Yakakodzera: Maminitsi makumi maviri
Heino Ndezvipi:
- Sarudza kushamba kwemari , kana mari yakawandisa yekushandisa mushure mokubvisa chikamu uye kurasikirwa kwemarikiti .
Mitero yekero ye $ 187,000 / gore - 9% mukana uye kukwereta kwekwereti ($ 16,830) = $ 170,170
- Zvadaro enda kuna NOI, kana kuti usabatsire mari yekushandisa nekubvisa zvimwe zvose zvinoshandiswa pakushanda uye kutungamira, kusanganisira mitero uye inshuwarisi.
Gross Operating Income - Zvose Zvinodhura = NOI, kana Net Operating Revenue
$ 170,170 - 72,470 (mari) = $ 97,700 NOI
$ 97,700 / mwedzi 12 = $ 8142 / mwedzi NOI
- Kana uyo anokweretesa ari kushandisa zvishoma zvishoma DSCR inogamuchirwa ye120, iyo $ 8142 / mwedzi inofanira kuva 1.2 nguva yemari yekubhadhara mari pamwedzi. Kuti uwane pahomwe iyoyo yakakwana, zvinodiwa kugovana $ 8142 ne 1.2.
$ 8142 mwedzi wemari mari / 1.20 zviduku DSCR = $ 6785 / mwedzi zvakakwana kutengesa mari.
- Iye zvino zvinongodiwa chete kuti uone kuti mari yaizobhadhara sei pamitengo yemazuva ano. Kana mutengi uyu achigona kutarisira chikwereti chekushaya chikwereti che6,875% pane chikwereti chemakore makumi matatu, chikwereti chekubhadhara chichatitaurira kuti mukwereti angave achida kubhadhara madhora $ 1,032,836 pane imwe nzvimbo , sezvo chikwereti ichocho uye chikwereti chezvikwereti chaizotora chikamu chikuru uye chikwereti ye $ 6785 / mwedzi, uye zvishoma 1.20 DSCR.
Most mortgage calculators achakubvumira kupinda mubhadharo, chido chekuda uye nguva yekuverenga chikwereti chemari.
- Apo patakatanga, taiziva kuti takatsigira mari yekushandisa mari yakashandiswa tichishandisa DSCR, sezvo isu tiri vatengi vanoda kutarisa kuti vangakweretwa zvakadini kune chikwereti cheimba yatinoongorora nokuda kwekutenga. Asi, regai tiite DSCR kuverenga apo tinoziva purojekiti yezvino yemajeri uye kubhadhara chikwereti.
$ 223,000 NOI / $ 172,000 Gore Gore Rega Mortgage Payments = 1.30 DSCR
1.3 iri nani kudarika 1.2 munyaya ino, saka zvichida DSCR inogamuchirwa. Zvisinei, kana chikwereti chitsva chichitsvakwa pabasa rekushanda, ikozvino NOI ingashandiswa sezvatakaita pakutanga kuti chii chingave chiripo sekutora chikwereti.
Apo nhamba idzi dzinoshanda, varairidzi nevakwereti vanokwanisa kunzwa zvakanaka pamusoro pehuwandu hwemari yekushandisa uye nekuzobatsira mune ramangwana.
Zvaunoda:
- Mari yekuwana nemari yeimba.
- A mortgage calculator.