Iphezulu kangakanani i-DTI eSichaphazela isicelo sakho seMali-mboleko yeJumbo

Ukuba ujonge ukukhusela iI-Jumbo Loankodwa ube ne-DTI ePhezulu, usenokuba uyazibuza ukuba oku kuya kusichaphazela njani isicelo sakho semali-mboleko. I-Jumbo Loan isoloko ifuneka ukuze kuthengwe amakhaya anexabiso eliphezulu, kwaye ezi mboleko zikhulu ziza nemigangatho ephezulu yokuboleka imali. Nangona kunjalo, ngaphandle kwemiceli mngeni enokubakho, ukufumana i-Jumbo Loan nge-DTI ePhezulu kunokwenzeka ngezicwangciso ezichanekileyo kunye nolungiselelo.

Okokuqala, makhe sichaze ukuba ithetha ukuthini i-DTI ePhezulu. Umlinganiselo wetyala lakho kwingeniso ubalwa ngokwahlula iintlawulo zakho zenyanga ngengeniso yakho yenyanga. I-DTI ephezulu ithetha ukuba uchitha inxalenye enkulu yomvuzo wakho etyaleni, nto leyo iphakamisa inkxalabo kubabolekisi malunga nokukwazi kwakho ukuhlawula ityala elongezelelweyo, elifana neJumbo Loan.

Nangona kunjalo, i-DTI ePhezulu ayikuthinteli ngokuzenzekelayo ekufumaneni i-Jumbo Loan. Ezinye iinkqubo zeJumbo Loan zibhetyebhetye kwaye zinokuvumela umlinganiselo ophezulu we-DTI, ngakumbi ukuba eminye imiba yeprofayile yakho yezemali yomelele. Umzekelo, ukuba unogcino olubalulekileyo okanye intlawulo enkulu, ababolekisi basenokuvuma ukungayihoyi i-DTI ePhakamileyo kuba ukuzinza kwakho kwezemali kuphelisa umngcipheko.

Ukongeza, abanye ababolekisi banokuqwalasela izinto ezifana nezakhoInqaku leTyala, imbali yengqesho, kunye nexabiso lepropati exhaswa ngemali. I-DTI ePhakamileyo isenokwamkeleka ukuba lowo ubolekayo unempahla eninzi kwaye uyakwazi ukwenza intlawulo enkulu, ngaloo ndlela ehlisa umlinganiselo wemali-mboleko-kwixabiso.

Ukuba une-DTI ePhakamileyo kwaye uzixhalabele ngokufanelekela i-Jumbo Loan, kukho izinto ezimbalwa onokuzenza ukuphucula amathuba akho. Okokuqala, zama ukunciphisa amatyala akho phambi kokuba wenze isicelo semali-mboleko. Hlawula ityala elinenzala ephezulu, elifana namakhadi okuthenga ngetyala, okanye uhlawule ngokutsha iimali-mboleko esele zikhona ukuze unciphise iintlawulo zenyanga. Enye inketho kukunyusa umvuzo wakho, ngokuthethathethana ngomvuzo ophezulu okanye ukufumana imithombo eyongezelelweyo yengeniso, enokunceda ukuthoba i-DTI yakho.

Ukuqukumbela, ngelixa i-DTI ePhakamileyo inokwenza ukufaneleka kwe-Jumbo Loan kube ngumngeni ngakumbi, akunakwenzeka. Ababolekisi banokuvuma ukusebenza nababoleki abanemilinganiselo ephezulu ye-DTI, ngakumbi ukuba banamanye amandla kwiprofayili yabo yezemali. Ngokuthatha amanyathelo okuphucula i-DTI yakho kunye nokusebenza nombolekisi ofanelekileyo, unokwandisa amathuba akho okufumana i-Jumbo Loan ehambelana neemfuno zakho.