Amagama angundoqo: DTI;Umlinganiselo
Umlinganiselo wetyala kwingeniso (DTI) ngumlinganiselo wemali yomntu othelekisa intlawulo yetyala yenyanga kunye nomvuzo wakhe wenyanga uwonke.Umvuzo wakho uphelele ngumvuzo wakho phambi kokuba kutsalwe irhafu nezinye izinto ezitsalwayo.Umlinganiselo wetyala-kwingeniso yipesenti yomvuzo wakho wenyanga uwonke oya ekuhlawuleni iintlawulo zakho zenyanga.
DTI=Itotali yeeNtlawulo zeNyanga yeTyala/Ingeniso yeNyanga iyonke
Ukuba ufuna ukwenza isicelo semali mboleko yendlu, i-DTI yakho kufuneka ibe ngaphantsi kwama-50% okanye ngaphantsi.Nanku umzekelo obonisa indlela yokubala i-DTI yakho:
Amatyala enyanga kaJohn kunye nomvuzo ahamba ngolu hlobo lulandelayo kwaye singabala i-DTI -40%.
| Iibhili kunye nengeniso | Isixa | Iyonke | DTI |
| I-Mortgage | $1500 | $2720 | 2720/6800=40% |
| Irhafu yePropati | $480 | ||
| I-inshurensi yomninimzi | $80 | ||
| Ukuqeshwa kwemoto | $340 | ||
| Ikhadi letyala | $320 | ||
| Umvuzo opheleleyo | $6800 | $6800 |
Ixesha lokuposa: Jan-20-2022