Ukuvula Ubunikazi Bekhaya: Imalimboleko Yesitatimende Sebhange Sababoleka I-DTI Ephakeme

Emkhakheni wokubolekwa kwezindlu zaseMelika, isilinganiso se-Debt-to-Income (DTI) sekuyisikhathi eside siyisici esibalulekile ekugunyazweni kwemali mboleko. Ngokwesiko, i-DTI engaphezu kwama-50% ibeke isithiyo esikhulu kubaboleki abafuna ukuxhaswa ngezimali. Nokho, ngokufika ezikhethekileIsitatimende sase bhangeizikweletu, kuvuleke indlela entsha kulabo okungenzeka ukuthi bavalwe ngaphandle kwemakethe yezindlu.

Izimalimboleko zezitatimende zasebhange ezamukela i-DTI ezedlula ama-50% ziwushintsho. Lezi zimali mboleko zigxile kokwangempelaUkungena kwemalikuboniswe ezitatimendeni zasebhange zomboleki kunokuthembela kuphela kumethrikhi ye-DTI. Ababolekisi abanikeza izikweletu ezinjalo bayaqonda ukuthi i-DTI ephezulu ayihlali ilinganisa nokungakwazi ukukhokha. Isibonelo, abantu abazisebenzayo noma labo abanemali engenayo ngendlela engavamile bangase babe ne-DTI ephakeme ngenxa yezindleko zebhizinisi noma ukushintshashintsha kwesizini kodwa basenamandla okuthembela emalini ebolekiwe.

Lapho ufaka isicelo salezi zimali mboleko, ababoleki kudingeka banikeze izitatimende zasebhange ezinemininingwane ebonisa ukudiphozithwa okungashintshi kanye nomsebenzi wezezimali onempilo. Lokhu kuvumela ababolekisi ukuthi bahlole amandla emali engenayo yangempela kanye nokuzinza. Ngokungafani nemalimboleko evamile lapho kuphoqelelwa khona i-DTI cap eqinile, lezi zimali mboleko zinikeza umbono obanzi wempilo yezezimali yomboleki.

Ngaphezu kwalokho, inqubo yokufaka isicelo semalimboleko yesitatimende sasebhange enokwamukelwa okuphezulu kwe-DTI ivamise ukwenziwa lula. Ababolekisi abanjengo-AAA Lendings, abanolwazi lwabo lweminyaka nobungcweti ekubolekeni okungekona okwesiko, bangaqondisa ababoleki ngenqubo ngempumelelo. Bacabangela izici ezihlukahlukene ezifana nohlobo lwamadiphozi ezitatimendeni zasebhange, ubude besikhathi ama-akhawunti asebenze ngaso, nanoma yiziphi izehlakalo zezezimali ezibalulekile ezingaba nomthelela ekhonweni lokukhokha.

Sengiphetha, kubaboleki abane-DTI engaphezu kuka-50%, imali ebolekiwe yezitatimende zasebhange inikeza inketho ephumelelayo yokufeza amaphupho abo obunikazi bezindlu. Ngokugxila esithombeni sangempela sezezimali esivezwe ezitatimendeni zasebhange, lezi zimali mboleko zinikeza ithuba lokuthola imali ebolekiwe kanye nokuthatha isinyathelo sokuba nomuzi.