Ипотечный калькулятор позволяет рассчитать сумму ежемесячного платежа за недвижимость, взятую в ипотеку. Самые распространенные условия финансирования – что они собой представляют?
Коэффициент покрытия долга
Это взаимосвязь между чистым операционным доходом (NOI) и годовым обслуживанием долга (ADS). Часто используется в качестве критерия андеррайтинга для доходов от ипотечного кредитования.
Пример: годовой долг составляет 10000 долларов. Собственность генерирует 25 000 долларов годовой валовой арендной платы и требует 7 000 долларов на покрытие операционных расходов, в результате чего чистый операционный доход составляет 18 000 долларов. Коэффициент покрытия долга составляет 1,80 – NOI/ADS = 1,8
Чистый операционный доход
Доход от имущества или бизнеса после вычета операционных расходов, но до вычета подоходных налогов и расходов на финансирование (Проценты и Основная сумма).
Годовое обслуживание задолженности
Требование ежегодного основного долга и выплаты процентов по кредиту. Пример: Кредит в размере 100 000 долларов требует 300 равных ежемесячных платежей для полной амортизации основной суммы. Проценты 8% годовых. Ежемесячные платежи составляют 771,82. Ежегодное обслуживание долга – это сумма 12 ежемесячных платежей, или 9 261,84 долларов.
Кредитное значение
Часть заимствованной суммы по сравнению со стоимостью или стоимостью приобретенного имущества, то есть ипотечный долг, деленный на стоимость имущества. Кредиторы часто ограничены в отношении максимального отношения займа к стоимости по ссуде, которую они предоставляют. Пример: вы купили дом за 100 000 долларов и организовали финансирование на сумму 90 000 долларов, что привело к 90%-ному соотношению кредита к стоимости.
Переменная ипотека
Ипотечный кредит, применяемый к резиденциям, по которому процентная ставка может быть скорректирована в течение срока кредита. Величина отклонения обычно определяется колебаниями банка Канады и основной ставки кредитора.
Ипотека с фиксированной стоимостью
Ссуда, обеспеченная недвижимостью, с периодической выплатой процентов и основной суммы, которая является постоянной в течение срока ссуды. Все ипотеки с фиксированной оплатой являются ипотечными с фиксированной ставкой, но некоторые ипотеки с фиксированной процентной ставкой могут иметь переменные платежи, такие как дифференцированные ипотечные платежи.
Промежуточный кредит
Ипотечное финансирование между прекращением одного займа и началом другого займа. Пример: вы имеете непогашенный кредит. В настоящее время ведете переговоры о лучших условиях постоянного финансирования, чем ранее оговоренные обязательства. Договариваетесь о промежуточной ссуде, чтобы погасить основную. Когда будет организовано новое постоянное финансирование, этот кредит погасит бридж-кредит.
Страхование ипотеки
Сбор, уплачиваемый покупателем за получение ипотечного страхования по ипотечному кредиту, когда первоначальный взнос составляет менее двадцати процентов, защищает кредитора в случае дефолта, обычно покрывая часть заемной суммы.
Предварительное утверждение ипотеки
Процесс, при котором конкретный кредитор удостоверяет, что потенциальный заемщик является финансово квалифицированным и кредитоспособным для определенного типа кредита с указанными условиями на сумму до указанного максимума. Предварительное одобрение кредита позволяет покупателю вести переговоры с преимуществом перед другими покупателями.
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