Babban Dabaru don Amfani da Lamunin CES masu cancantar DSCR don Matsakaicin Zuba Jari

Ga ƙwararrun masu saka hannun jari na ƙasa, Lamunin Rufe-Ƙarshen Na Biyu (CES) sun cancanta ta hanyar Raba Sabis ɗin Bashi (Ratio)Farashin DSCR) kayan aiki ne na dabara don daidaita kaddarorin da ba mai shi ba. Waɗannan lamunin tushen samun kuɗaɗen kadarorin suna amfani da kuɗin haya na haya, suna ƙetare rajistan shiga na mutum don lamuni na tushen tsabar kuɗi. Bari mu nutse cikin dabarun ci-gaba don yin amfani da lamunin CES don haɓaka fayil.

Lamunin CES shine ƙayyadadden jinginar gida na biyu wanda aka keɓance don lamunin da ba mai shi ba, tare da cancanta bisa DSCR. Rabon Coverage Service na Bashi yana kwatanta kudin haya na dukiya da bashinsa, gami da biyan jinginar gida na farko da na biyu. DSCR na 1.25 yana nuna alamar kwararar tsabar kuɗi mai ƙarfi, masu saka hannun jari masu cancanta don Lamuni na Rufe-Ƙarshen Biyu ba tare da tabbatar da samun kuɗin shiga na mutum ba. Wannan tsarin ba da lamuni na tushen tsabar kuɗi yana ba masu zuba jari damar mai da hankali kan ayyukan kadarori, ba na kuɗi na mutum ba.

Dabaru ɗaya shine ta amfani da tsarin piggyback ok don haɓaka ƙarfin aiki. Haɗa lamunin CES tare da jinginar gida na farko na iya ba da kuɗi har zuwa 85% na ƙimar kadarorin, rage farashin gaba. Don hayar $600,000, jinginar gida na farko $450,000 da Lamuni na Rufe-Ƙarshe na Biyu na $90,000 suna barin $60,000 kawai, yana ba da babban jari don ƙarin ciniki. Wata dabara ita ce ba da tallafin gyare-gyare tare da lamunin CES don haɓaka haya, haɓaka DSCR don samun kuɗi na gaba.

Akwai zaɓuɓɓukan ƙasashen waje suna buɗe kofofin ga masu saka hannun jari na duniya. Wani ɗan ƙasar waje zai iya amfani da lamunin CES don ba da kuɗin mallakar gidaje da yawa na Amurka tare da DSCR na 1.4, ya dogara ga samun kuɗin haya kawai. Wannan babu samfurin tabbatar da samun kuɗin shiga na sirri yana sauƙaƙa saka hannun jari a kan iyaka, kamar yadda masu ba da lamuni ke ba da fifiko ga lamuni na tushen samun kudin shiga akan shaidar samun shiga cikin gida.

ƙwararrun masu saka hannun jari kuma za su iya amfani da lamunin CES don sake fitar da kuɗi. Ta hanyar daidaita daidaito a cikin hayar mai fa'ida, Lamuni na Rufe-Ƙarshe na Biyu na iya ba da kuɗin sabbin sayayya ba tare da dagula lamunin lamuni na farko ba. Misali, lamunin CES $200,000 akan kaddarorin da aka daidaita zai iya ba da gudummawar hayar hayar ta biyu, haɓaka fayilolin lamuni da ba mai shi ba.

Haɗari sun haɗa da ƙimar lamuni na CES mafi girma da yuwuwar DSCR ta tsoma baki daga guraben aiki, don haka yakamata masu saka hannun jari su yi niyya ga manyan kasuwannin haya. Masu ba da lamuni kuma na iya ɗaukar adadin lamuni (misali $500,000) ko CLTV a kashi 75%. Har yanzu, tare da piggyback ok sassauci da samun dama ga ƙasar waje, lamunin Rufe-Ƙarshe na Biyu na DSCR babban gida ne don ƙima ta hanyar lamuni na tushen tsabar kuɗi.