Ufanelekela I-Jumbo Loan ene-DTI Ephakeme: Okufanele Ukwazi

Uma ucubungula ajumboImalimboleko, enye yezinto eziyinhloko ababolekisi abazihlolayo isilinganiso sakho sesikweletu somholo (i-DTI). Ngokwesiko, i-DTI Ephakeme ingenza kube nzima ukuthola noma yiluphi uhlobo lwemalimboleko, kodwa uma kuziwa ku-Jumbo Loans, kukhona okuhlukile kanye nezinketho eziguquguqukayo ezitholakalayo. Ake sibhekisise ukuthi i-DTI Ephezulu ilithinta kanjani ikhono lakho lokuvikela i-Jumbo Loan nokuthi yini ongayenza ukuze uthuthukise amathuba akho okugunyazwa.

I-Jumbo Loan wuhlobo lwe-mortgage esetshenziselwa izakhiwo ezedlula i-Ukuvumelanaimikhawulo yemalimboleko ebekwe u-Fannie Mae noFreddie Mac. Lezi zimali mboleko zivame ukusetshenziselwa ukuxhasa ngezimali izindlu ezinenani eliphezulu, futhi ngenxa yobukhulu bazo obukhulu, ziza nezidingo zokubhala ngaphansi eziqinile. I-High DTI ratio, okuyiphesenti lomholo wakho wanyanga zonke oya ekukhokheni izikweletu, imvamisa iyifulegi elibomvu kubabolekisi, njengoba ikhombisa izinga eliphezulu lengozi yezezimali.

Nokho, kulabo abafuna i-Jumbo Loan, abanye ababolekisi bangase babe mnene uma kuziwa ku-DTI Ephakeme. Izinhlelo eziningi ze-Jumbo Loan zivumela izilinganiso eziphezulu ze-DTI, ikakhulukazi uma umboleki enempahla ebalulekile, inkokhelo enkulu, noma umlando oqinile wesikweletu. Ababolekisi bangase futhi bacabangele ezinye izici, njengesimo sisonke sezimali somboleki, ngaphambi kokwenza isinqumo sokugcina.

Kubalulekile ukuqaphela ukuthi nakuba i-DTI Ephakeme ingase ingakukhiphi ngokuzenzekelayo i-Jumbo Loan, isengaba nomthelela emigomeni yemalimboleko yakho. Kwezinye izimo, ababolekisi bangase badinge inkokhelo ephansi ephakeme, inzalo ephakeme, noma imibhalo eyengeziwe ukuze bathethelele isikweletu esikhulu.

Sengiphetha, nakuba i-DTI Ephakeme ingenza kube nzima inqubo yokuthola i-Jumbo Loan, ayisho ngempela ukuthi iyisixazululi. Ababolekisi abaningi banikeza izinketho ezivumelana nezimo kubaboleki abanezilinganiso eziphezulu ze-DTI, futhi kunezinyathelo ongazithatha ukuze uthuthukise iphrofayela yakho yezezimali ngaphambi kokufaka isicelo se-Jumbo Loan. Hlala uthengela umbolekisi ongcono kakhulu osiqondayo isimo sakho sezezimali esiyingqayizivele futhi ongakunikeza isixazululo esifanelana nezidingo zakho.