Ngaba ungaLungelela iMali-mboleko eYandisiweyo yeJumbo nge-DTI yokuya kuma-50%?

Kwabo bafuna ukuthenga amakhaya obutofotofo okanye iipropati kwiindawo ezifunwa kakhulu, i-ExpandedI-Jumbo Loaninkqubo inokubonelela ngesisombululo esifuneka kakhulu. Enye yezinto ezibalulekileyo ezichaphazela ukufaneleka kwakho kwezi mboleko yi-DTI yakho (iTyala ukuya kuMvuzo). Kodwa ubusazi ukuba ngeMali-mboleko eYandisiweyo ye-Jumbo, usenokufaneleka nokuba umlinganiselo we-DTI uyokuma kuma-50%? Kweli nqaku, siza kuphonononga ukuba oku kunokubanceda njani ababoleki kwaye kuncede ukukhusela imali-mboleko enkulu.

Ithetha Ntoni I-DTI Kwimali-mboleko Yakho?
Umlinganiselo wakho we-DTI ubalwa ngokwahlula iintlawulo zakho zenyanga ngengeniso yakho yenyanga. Ababolekisi basebenzisa lo mlinganiselo ukulinganisa ukukwazi kwakho ukuhlawula imali-mboleko yakho kunye nalo naliphi na ityala elikhoyo. Ngokubanzi, umlinganiselo ophantsi we-DTI uyakhethwa kuba ubonisa ukuba unengeniso engaphezulu yokulahla ukuhlawula izibophelelo zetyala elitsha.

Nangona kunjalo, inkqubo yemali-mboleko yeJumbo eyandisiweyo ibonelela ngokuguquguquka ngakumbi, ngakumbi xa isiza kumlinganiselo we-DTI. Kwiimeko ezininzi, ezi mboleko zivumela umlinganiselo we-DTI ukuya kuma-50%, nto leyo ethetha ukuba nokuba iintlawulo zakho zenyanga zetyala ziphezulu xa uthelekisa nomvuzo wakho, usengakwazi ukufumana i-Jumbo Loan yokuthenga ikhaya elinexabiso eliphezulu.

Okuzuzwayo kwi-DTI Ukuya kutsho kuma-50% kwiMali-mboleko eYandisiweyo yeJumbo
IMida ePhakamileyo yokuBoleka: Nge-DTI ukuya kuthi ga kwi-50%, ababoleki balindeleke ukuba bafanelekele iimali-mboleko ezikhulu, nto leyo eyenza kube lula ukukhusela imali ne.EZIsary kwi-Expanded Jumbo loans kwiimarike ezikhuphisanayo.

Ukuguquguquka okukhulu: Ukuba unetyala elingaphezulu kune-avareji yomthwalo wetyala, inkqubo ye-Expanded Jumbo ivumela umlinganiselo ophezulu we-DTI, oku kuthetha ukuba akufuneki uphelise lonke ityala lakho ukuze ufanelekele ukubolekwa imali ebalulekileyo.

Amathuba eePropati eziNtofontofo: Iimali-mboleko ezandisiweyo ze-Jumbo ezinemida ye-DTI ukuya kutsho kuma-50% zikwenza ukwazi ukuxhasa ngezimali izindlu zodidi oluphezulu okanye ezinye iipropati zexabiso eliphezulu ezigqitha kwimida yemali-mboleko eqhelekileyo. Oku kunenzuzo ngakumbi kubathengi bezindlu kwiindawo ezixabisa kakhulu.

Ukufanelekela njani ukufumana iMali-mboleko eYandisiweyo yeJumbo ngeDTI ePhezulu
Ukulungela i-Expanded Jumbo loan nge-DTI efikelela kuma-50% kufuna ngaphezulu kokuhlangabezana nemida yomlinganiselo. Ababolekisi nabo baya kuqwalasela izinto ezifana namanqaku akho etyala, intlawulo ephantsi, kunye nokuzinza kwezemali ngokubanzi. Nangona kunjalo, olu bhetyebhetye luphezulu lwe-DTI lubonelela ngamathuba abalulekileyo kwabo banokusokola ngenye indlela ukuhlangabezana neenqobo ze-Jumbo Loan.

Ukuqukumbela
Ukuba ujonge ukuthenga ikhaya elinexabiso eliphezulu kodwa ube nomlinganiselo we-DTI ongaphaya komda oqhelekileyo, inkqubo yemali-mboleko yeJumbo eyandisiweyo inokuba lukhetho olukhulu. Ngomda we-DTI ukuya kutsho kuma-50%, ungafikelela kwimali-mboleko enkudlwana yamakhaya anqabileyo kunye nezinye iipropati kwiimarike ezikhuphisanayo. Ukuqonda ukuba i-DTI ikuchaphazela njani ukufaneleka kwakho kwi-Expanded Jumbo loan kubalulekile ukuze ufumane inkxaso-mali oyifunayo.