Ukulungela ukufumana iMali-mboleko yeJumbo ene-DTI ePhezulu: Yintoni ekufuneka uyazi

Xa kuqwalaselwa ajumboImali-mboleko, enye yezinto eziphambili ezivavanywa ngababolekisi lityala lakho ukuya kwingeniso (DTI) ratio. Ngokwemveli, i-DTI ePhakamileyo inokwenza kube nzima ukufumana naluphi na uhlobo lwemali mboleko, kodwa xa kufikwa kwi-Jumbo Loans, kukho izinto ezishiyiweyo kunye nokhetho olubhetyebhetye olukhoyo. Makhe sijonge ngakumbi kwindlela i-DTI ePhezulu ekuchaphazela ngayo ukukwazi kwakho ukukhusela i-Jumbo Loan kunye nento ongayenza ukuphucula amathuba akho okufumana imvume.

I-Jumbo Loan luhlobo lwemali-mboleko esetyenziselwa iipropati ezidlulayoUkuhambelanaimida mboleko ebekwe nguFannie Mae kunye noFreddie Mac. Ezi mboleko ziqhele ukusetyenziselwa ukuxhasa amakhaya amaxabiso aphezulu, kwaye ngenxa yobukhulu bawo, beza neemfuno ezingqongqo zokubhala phantsi. I-High DTI ratio, eyipesenti yomvuzo wakho wenyanga oya ekuhlawuleni amatyala, idla ngokuba yiflegi ebomvu kubabolekisi, njengoko ibonisa inqanaba eliphezulu lomngcipheko wezezimali.

Nangona kunjalo, kwabo bafuna i-Jumbo Loan, abanye ababolekisi banokuba nobubele xa kuziwa kwi-DTI ePhezulu. Iinkqubo ezininzi zeJumbo Loan zivumela umlinganiselo ophezulu we-DTI, ngakumbi ukuba lowo ubolekayo unempahla ebalulekileyo, intlawulo ephantsi enkulu, okanye imbali eyomeleleyo yetyala. Ababolekisi basenokuqwalasela ezinye iinkalo, ezifana nemeko yezemali iyonke yomboleki, ngaphambi kokuba benze isigqibo sokugqibela.

Kubalulekile ukuqaphela ukuba ngelixa i-DTI ePhakamileyo isenokungakuthinteli ngokuzenzekelayo kwi-Jumbo Loan, isenokuyichaphazela imiqathango yemali-mboleko yakho. Kwezinye iimeko, ababolekisi-mali banokufuna intlawulo ephezulu, inzala ephezulu, okanye amaxwebhu ongezelelweyo ukuthethelela umthwalo ophezulu wetyala.

Ukuqukumbela, ngelixa i-DTI ePhakamileyo inokwenza nzima inkqubo yokufumana i-Jumbo Loan, ayinyanzelekanga ukuba ibe yi-dealbreaker. Ababolekisi abaninzi babonelela ngeendlela eziguquguqukayo kubaboleki abanemilinganiselo ephezulu ye-DTI, kwaye kukho amanyathelo onokuwathatha ukuphucula iprofayile yakho yezemali phambi kokufaka isicelo se-Jumbo Loan. Ngalo lonke ixesha uthengela oyena mntu ubolekisa ngemali oyiqondayo imeko yakho yezemali kwaye unokunika isisombululo esihambelana neemfuno zakho.