Ukuvula ubunini-zindlu: Ingxelo yeBhanki yeMali-mboleko yabaBoleki beDTI ePhezulu

Kummandla wokubolekwa kwezindlu zaseMelika, umlinganiselo weTyala-kwiMvuzo (DTI) kudala uyinto ebalulekileyo ekuvunyweni kwemboleko-mali. Ngokwemveli, i-DTI engaphaya kwama-50% ibeke umqobo obalulekileyo kubaboleki abafuna inkxaso-mali. Nangona kunjalo, ngokufika kweengcaliisiteyithimenti sebhankimboleko, indlela entsha iye yavulelwa abo bebenokuthi ngenye indlela bavalelwe ngaphandle kwemarike yezindlu.

Iimali-mboleko zeesiteyitimenti zebhanki ezamkela i-DTI engaphaya kwe-50% zitshintsha-tshintsha. Ezi mboleko zijolise kweyona ntoUkuhamba KWEMALIkuboniswe kwiingxelo zebhanki zomboleki endaweni yokuxhomekeka kuphela kwi-DTI metric. Ababolekisi abanikezela ngeemali-mboleko ezinjalo bayaqonda ukuba i-DTI ephezulu ayisoloko ilingana nokungakwazi ukuhlawula. Umzekelo, abantu abazisebenzelayo okanye abo banengeniso engaqhelekanga banokuba ne-DTI ephezulu ngenxa yeendleko zoshishino okanye ukuguquguquka kwamaxesha onyaka kodwa basenawo amandla athembekileyo okubonelela ngemali mboleko.

Xa ufaka isicelo sezi mboleko, ababoleki kufuneka babonelele ngeengxelo zebhanki ezineenkcukacha ezibonisa iidipozithi ezingaguqukiyo kunye nomsebenzi wemali osempilweni. Oku kuvumela ababolekisi ukuba bahlole amandla omvuzo wokwenyani kunye nokuzinza. Ngokungafaniyo nemali-mboleko yemveli apho kunyanzeliswa i-DTI engqongqo, ezi mboleko zibonelela ngembono ebanzi ngakumbi ngempilo yezemali yomboleki.

Ngaphezu koko, inkqubo yokufaka isicelo semali mboleko yebhanki enokwamkelwa okuphezulu kwe-DTI ihlala ilungelelaniswa. Ababolekisi abafana ne-AAA Lendings, kunye neminyaka yabo yamava kunye nobuchule ekubolekeni imali engeyiyo yendabuko, banokukhokela ababoleki kwinkqubo ngokufanelekileyo. Bathathela ingqalelo izinto ezahlukeneyo ezifana nobume beedipozithi kwiingxelo zebhanki, ubude bexesha ezisebenza ngalo ii-akhawunti, kunye nazo naziphi na iziganeko ezibalulekileyo zemali ezinokuchaphazela amandla okuhlawula.

Ukuqukumbela, kubaboleki abane-DTI engaphaya kwe-50%, imali-mboleko yemali-mboleko yebhanki ibonisa indlela enokwenzeka yokuzalisekisa amaphupha abo okuba ngabaninimzi. Ngokujolisa kumfanekiso wemali wokwenyani othiwe thaca kwiingxelo zebhanki, ezi mboleko zinika ithuba lokufumana imali-mboleko kunye nokuthatha inyathelo lokuba nendlu.