Iphakeme Kangakanani I-DTI Ithinta Isicelo Sakho Semalimboleko Ye-Jumbo

Uma ufuna ukuvikela i-aI-Jumbo Loankodwa ube ne-DTI Ephakeme, ungase uzibuze ukuthi lokhu kuzosithinta kanjani isicelo sakho semalimboleko. I-Jumbo Loan ivame ukudingeka ukuze kuthengwe amakhaya anenani eliphezulu, futhi ngalezi zimali mboleko ezinkulu ziza namazinga aphezulu okuboleka. Kodwa-ke, naphezu kwezinselele ezingaba khona, ukuthola i-Jumbo Loan nge-DTI Ephakeme kungenzeka ngamasu alungile nokuzilungiselela.

Okokuqala, ake sichaze ukuthi kusho ukuthini i-DTI Ephakeme. Isilinganiso sesikweletu sakho nemali engenayo sibalwa ngokuhlukanisa izinkokhelo zakho zenyanga ngesamba semali engenayo yanyanga zonke. I-DTI Ephakeme ngokuvamile isho ukuthi usebenzisa ingxenye enkulu yeholo lakho esikweletini, okuphakamisa ukukhathazeka kubabolekisi mayelana nekhono lakho lokukhokha isikweletu esengeziwe, njenge-Jumbo Loan.

Kodwa-ke, i-DTI Ephakeme ayikukhiqizi ngokuzenzakalelayo ukuthi uthole i-Jumbo Loan. Ezinye izinhlelo ze-Jumbo Loan zivumelana nezimo futhi zingavumela izilinganiso eziphezulu ze-DTI, ikakhulukazi uma ezinye izici zephrofayela yakho yezezimali ziqinile. Isibonelo, uma unokulondoloza imali enkulu noma inkokhelo ephansi enkulu, ababolekisi bangase bazimisele ukungayinaki i-DTI Ephakeme ngoba ukuzinza kwakho kwezezimali kuqeda ubungozi.

Ukwengeza, abanye ababolekisi bangase bacabangele izici zokunxephezela ezifana neyakhoUmphumela Wesikweletu, umlando wokuqashwa, kanye nenani lesakhiwo esixhaswa ngezimali. I-DTI Ephakeme isengamukeleka uma umboleki enempahla eningi futhi ekwazi ukwenza inkokhelo enkulu, ngaleyo ndlela ehlise isilinganiso semalimboleko nenani.

Uma une-DTI Ephakeme futhi ukhathazekile ngokufanelekela I-Jumbo Loan, kunezinto ezimbalwa ongazenza ukuze uthuthukise amathuba akho. Okokuqala, zama ukwehlisa isikweletu sakho ngaphambi kokufaka isicelo sokubolekwa imali. Khokha izikweletu ezinenzalo ephezulu, njengamakhadi esikweletu, noma ubuyisele imali mboleko ekhona ukuze wehlise izinkokhelo zanyanga zonke. Okunye ongakwenza wukukhuphula iholo lakho, kungaba ngokuxoxisana ngeholo eliphezulu noma ngokuthola eminye imithombo yemali engenayo, engasiza ukwehlisa i-DTI yakho.

Sengiphetha, nakuba i-DTI Ephakeme ingenza ukufaneleka kwe-Jumbo Loan kube inselele kakhulu, akwenzeki. Ababolekisi bangase bazimisele ukusebenza nababolekayo abanezilinganiso eziphezulu ze-DTI, ikakhulukazi uma benamandla athile kuphrofayela yabo yezezimali. Ngokuthatha izinyathelo zokuthuthukisa i-DTI yakho nokusebenzisana nomabolekisi ofanele, ungakhuphula amathuba akho okuthola i-Jumbo Loan ehambisana nezidingo zakho.