Dulmar
Bayaanka Bangiga Portfolio
Portfolio DSCR
Portfolio Shisheeye Qaranka DSCR
* Tafaariiqda Keliya
Faahfaahin
1) 5/6 ARM 30 Maalin Celceliska SOFR (5/1/5);
2) Saamiga iibka ee hoos yimaada para 1: 2;
3) Max.Lacagta Amaahda $5,000,000.
* Saamiga iibsashada oo ka badan mid aan la aqbali karin
Bayaanka Bangiga Portfolio
1) Kharashka UW $1495 & Kharashka Habaynta $845;
2) Kharashka Dib-u-Eegista Ammaanadda/Cilmiga $300, haddii ay khusayso;
3) Dakhliga Warbixinta Baanka ee ugu badan.LTV 65%;
4) Warbixinta Bangiga - Dulsaarka Kaliya Max.LTV 60%;
5) Min.Lacagta Amaahda $500,000;
6) Ajnabi – Uma qalmo;
7) Ciqaabta ka hor 18-bilood waxay la mid tahay 6 bilood oo dulsaar ah;
8) Min.12 bilood PITIA ee hantida maaddada sida kaydka;
9) Marka laga reebo: kiisba kiis lacagta amaahda ≤ $500k oo 0.5 lagu hagaajiyay khidmad.
Portfolio DSCR
1) Kharashka UW $1495 & Kharashka Habaynta $845;
2) Dib-u-eegis Aamin/Qayid $300, haddii ay khusayso;
3) Min.Lacagta Amaahda $500,000;
4) Ajnabi - Uma qalmo;
5) Min.DSCR 1.000;
6) Amaah Loo Sameeyay Qofka Dabiiciga ah - Ma jirto Amaahiyaha Hay'ad;
7) 2-4 Hantida Cutubku way u qalantaa iyo 5% dhimis inta ugu badan.LTV/CLTV-yada Matrix;
8) Ciqaabta ka hor 18-bilood waxay la mid tahay 6 bilood oo dulsaar ah;
9) Min.12 bilood PITIA ee hantida maaddada sida kaydka;
10) Marka laga reebo: kiis kiis ee qaddarka amaahda ≤ $500k oo 0.5 lagu hagaajiyay khidmad.
Portfolio FN DSCR
1) Kharashka UW $1495 & Kharashka Habaynta $845;
2) Dib-u-eegis Aamin/Qayid $300, haddii ay khusayso;
3) Dib u eegis Qaran oo Shisheeye $250;
4) Min.Lacagta Amaahda $500,000;
5) Min.DSCR 1.000;
6) Dulsaarka Kaliya - Lama Ogolaan;
7) Awoodda Qareenka - Lama ogola;
8) Ciqaabta Kahor Bixinta (Maalgashadayaasha kaliya) waa 18 bilood waxayna la mid tahay 6 bilood oo dulsaar ah.
9) Min.12 bilood PITIA ee hantida maaddada sida kaydka;
10) Marka laga reebo: kiis kiis ee qaddarka amaahda ≤ $500k oo 0.5 lagu hagaajiyay khidmad.
Sidee loo xisaabiyaa Portfolio DSCR?
DSCR waa in loo xisaabiyaa sida soo socota: DSCR = * Dakhliga Kirada Saafiga ah ÷ U Qalmida Lacag Bixinta Bisha (P iyo I only);
* Dakhliga Kirada ee Saafiga ah = Kirada Guud * (1- Qodobka Kharashka);
Qodobbada Kharashka: Hantida aan lahayn HOA = 25%, Hanti leh HOA = 30%;
Kiradu waxay noqon doontaa mid ka yar: Dakhliga ijaarka hadda ama qaddarka 1007 ee uu bixiyo qiimeeyuhu oo muujinaya jadwalka kirada suuqa ee la qiyaasay.
