Imalimboleko Yesitatimende Sebhange: Isixazululo Sababoleka I-DTI Ephakeme

Emkhakheni wokubolekwa kwezindlu e-United States, isilinganiso esiphezulu seSikweleti - kuya ku-Income (i-DTI) ngokuvamile sibe yisikhubekiso esikhulu kubaboleki. Nokho,Isitatimende sase bhangeukubolekwa kwemali kuvela njengesixazululo esisebenzayo kulabo abanamazinga e-DTI aphakeme.
Kubantu abaningi, i-DTI ephezulu ingaba umphumela wezinto ezihlukahlukene. Ezinye zingase zibe nokubalulekileImalimboleko yabafundiizikweletu, kuyilapho abanye bengase bathwale inani elikhulu lamabhalansi ekhadi lesikweletu. Ababolekisi bezindlu zendabuko ngokuvamile banemikhawulo eqinile ye-DTI, ngokuvamile benqaba ababolekayo abanezilinganiso ezingaphezu kwama-43% noma ngaphansi kwezinye izimo. Kodwa imali mboleko yesitatimende sasebhange isebenza ngendlela ehlukile.

Lezi zimali mboleko zigxila ekungeneni kwemali kwangempela komboleki njengoba kubonakala ezitatimendeni zabo zasebhange. Ababolekisi bazohlaziya amadiphozithi afakwe phakathi nenkathi ethile, ngokuvamile izinyanga eziyi-12 kuya kwezingu-24. Lokhu kusho ukuthi noma ngabe umboleki ene-DTI ephezulu ngenxa yezikweletu ezikhona, inqobo nje uma engabonisa imali engenayo engaguquki neyanele ngamadiphozithi akhe asebhange, usengakufanelekela ukubolekwa imali.

Ngokwesibonelo, cabanga ngochwepheshe osemusha osanda kuphothula esikoleni esidumile sezamabhizinisi. Bangase babe nesikweletu esikhulu semalimboleko yabafundi, esikhulisa i-DTI yabo. Kodwa-ke, bathole umsebenzi okhokha kakhulu futhi izitatimende zabo zasebhange zikhombisa amadiphozithi ajwayelekile, anempilo. Ngemalimboleko yesitatimende sasebhange, basengakwazi ukuphishekela iphupho labo lokuba ngabanikazi bezindlu.
Lapho ufaka isicelo semali mboleko yesitatimende sasebhange ene-DTI ephezulu, kubalulekile ukwethula izitatimende zasebhange ezihlelekile nezicacile. Noma yiziphi izimali ezinkulu noma ezingavamile kufanele zichazwe ngokucacile. Ukwengeza, ukuba nomlando omuhle wesikweletu, naphezu kwe-DTI ephezulu, kungathuthukisa kakhulu amathuba okugunyazwa kwemali mboleko.

Sengiphetha, imalimboleko yezitatimende zasebhange inikeza inhlansi yethemba kubaboleki abanezilinganiso eziphezulu ze-DTI. Ngokubheka ngale kwenqubo evamile yokubhala ngaphansi kwe-DTI, bavulela abantu abaningi amathuba okufeza imigomo yabo yokuthenga ikhaya.