Ukunqoba i-DTI Ephakeme Ngemalimboleko Yesitatimende Sebhange

Uma kukhulunywa ngezicelo zokubolekwa kwezindlu, isilinganiso esiphezulu seSikweleti - kuya ku- - Income (DTI) singabonakala siyisithiyo esingenakunqotshwa. Nokho,Isitatimende sase bhangeimali mboleko ishintsha ukulandisa kwababoleki kulesi simo.
Ababolekisi abanikeza izikweletu zezitatimende zasebhange kubabolekayo be-DTI ephezulu bathatha indlela ephelele. Abagcini nje ngokugxilisa inombolo ye-DTI kodwa bahlola imininingwane yokuziphatha komboleki ngokwezimali. Isibonelo, bahlola ukuzinza kwe-sour engenayoLEZIkubonakala ezitatimendeni zasebhange. Uma umboleki ubelokhu ethola amadiphozithi angashintshi kumakhasimende amaningi isikhathi eside, lokho kukhomba indlela engenayo ethembekile, ngisho noma i-DTI iphezulu.

Uma kuqhathaniswa nemikhiqizo yempahla yendlu, imali mboleko yezitatimende zasebhange ithambile kakhulu maqondana ne-DTI. Izimali mboleko zendabuko zivame ukuba nosayizi owodwa - ukulingana - konke, okunqunywe ngokuqinile - izilinganiso ze-DTI. Ngokuphambene, imali mboleko yezitatimende zasebhange ingakwazi ukwamukela ababoleki abane-DTI ngaphezu kuka-50% kwezinye izimo. Lokhu kuvumelana nezimo kuwumdlalo - okushintshayo kulabo abajikiswe ababolekisi bendabuko.

Cabangela indaba yomuntu siqu -qashiweumklami wezithombe. Bane-DTI ephezulu ngoba batshale imali eningi ekuthuthukiseni imishini yabo yokuklama kanye nesofthiwe. Ibhizinisi labo belilokhu likhula kancane kancane, kodwa i-DTI yabo ayihlangabezani nezidingo zababolekisi bendabuko. Ngokufaka isicelo semali mboleko yesitatimende sasebhange, umbolekisi ukwazile ukubona imali ekhulayo evela kumaphrojekthi wamakhasimende ezitatimendeni zabo zasebhange. Ngenxa yalokho, bagunyazwa imali yokubolekwa, okubavumela ukuthi bathenge indawo entsha yesitudiyo.
Ukuze kwandiswe amathuba okugunyazwa kwemali mboleko yesitatimende sasebhange ene-DTI ephezulu, ababoleki kufanele futhi balungele ukunikeza imibhalo eyengeziwe. Lokhu kungase kuhlanganise ubufakazi bezinkontileka zebhizinisi, ama-invoyisi, nanoma yibuphi obunye ubufakazi obusekela imali engenayo eboniswa ezitatimendeni zasebhange.

Kafushane, imali mboleko yesitatimende sasebhange iyithuluzi elinamandla lababolekayo abanezilinganiso eziphezulu ze-DTI. Banikeza enye indlela yokuba umninikhaya, okuvumela abantu ukuba banqobe imikhawulo ebekwe yimibandela yokubolekisa yendabuko.