Imali-mboleko yeNgxelo yeBhanki: Isisombululo sabaBoleki beDTI ePhezulu

Kummandla wokubolekwa kwezindlu eUnited States, umlinganiselo weTyala eliphezulu ukuya kuMvuzo (DTI) udla ngokuba sisikhubekiso esikhulu kubaboleki. Nangona kunjalo,isiteyithimenti sebhankiiimali-mboleko zivela njengesisombululo kwabo banamanqanaba aphezulu e-DTI.
Kubantu abaninzi, i-DTI ephezulu inokuba sisiphumo sezinto ezahlukeneyo. Ezinye zinokuba nentsingiseloImali-mboleko yoMfundiamatyala, ngelixa abanye basenokuba bathwele isixa esikhulu seebhalansi zekhadi letyala. Ababolekisi bezindlu ngezindlu bakholisa ukuba nemida engqongqo ye-DTI, kaninzi besala ababoleki ngomlinganiselo ongaphezulu kwama-43% okanye ngaphantsi kwezinye iimeko. Kodwa iimali-mboleko zebhanki zisebenza ngokwahlukileyo.

Ezi mali-mboleko zijolise ekuqukunjelweni kwemali yomboleki njengoko kubonisiwe kwiingxelo zebhanki. Ababolekisi baya kuhlalutya iidipozithi ezenziwe kwithuba elithile, ngokuqhelekileyo iinyanga ezili-12 ukuya kwezingama-24. Oku kuthetha ukuba nokuba umboleki une-DTI ephezulu ngenxa yamatyala asele ekhona, nje ukuba angabonisa ingeniso engaguqukiyo neyaneleyo ngeediphozithi zakhe zebhanki, usenako ukubolekwa imali.

Ngokomzekelo, khawucinge ngomntu oselula oyingcali osandul’ ukuphumelela kwisikolo soshishino esidumileyo. Basenokuba netyala elikhulu lemali-mboleko yabafundi, elonyusa i-DTI yabo. Nangona kunjalo, baye bafumana umsebenzi ohlawula kakhulu kwaye iingxelo zabo zebhanki zibonisa iidiphozithi eziqhelekileyo, ezinempilo. Ngemali ebolekiweyo yesiteyitimenti sebhanki, basenako ukuqhubeka nephupha labo lokuba ngabaninimzi.
Xa ufaka isicelo semali mboleko yebhanki nge-DTI ephezulu, kubalulekile ukuba unikezele ngeengxelo zebhanki ezicwangcisiweyo nezicacileyo. Naziphi na iidiphozithi ezinkulu okanye ezingaqhelekanga kufuneka zichazwe ngokucacileyo. Ukongeza, ukuba nembali yetyala elungileyo, ngaphandle kwe-DTI ephezulu, kunokuphucula kakhulu amathuba okuvunywa kwemboleko-mali.

Ukuqukumbela, iimali-mboleko zengxelo yebhanki zibonelela ngemitha yethemba kubaboleki abanemilinganiselo ephezulu ye-DTI. Ngokujonga ngaphaya kwe-DTI yesiqhelo-esekelwe kwindlela yokubhala phantsi, bavula amathuba okuba abantu abaninzi bafezekise iinjongo zabo zokuthenga ikhaya.