Ayikho isilinganiso I-DSCR isho ukuthi isilinganiso semali engenayo yenyanga yokuqashisa yerenti enanini lenyanga lemali ekhokhwayo yendlu, intela, umshwalense kanye nemali yokuphathwa kwezakhiwo ilingana no-"0", okusho ukuthi, ungafaka isicelo semikhiqizo yemalimboleko yakwa-DSCR ngokuthi " zero" isilinganiso.
Emisebenzini yethu yemalimboleko yangaphambilini, sidinga ukuqhathanisa imali engenayo yokuqasha ne-PITIA yanyanga zonke kanye nezinye izikweletu zesakhiwo esidingidwayo, ukuze silinganise ukuthi imikhiqizo ebolekiwe iyahlangabezana yini nemithetho ne-DTI.
Ayikho isilinganiso I-DSCR, umkhiqizo wemalimboleko ongayihloli imali engenayo, ayinazo izidingo zeholo lababolekayo, njengoba lo mkhiqizo wemalimboleko awubandakanyi ukubalwa kwe-DTI.Futhi isilinganiso esincane se-DSCR singaba phansi ngokuthi "0".Ngisho noma irenti yendlu iphansi, singakwazi ukukwenza!Empeleni, umbolekisi akanandaba ukuthi iyini isilinganiso, inqobo nje uma indawo eyinhloko iyimpahla yokutshalwa kwezimali.
Lokhu ukukhetha okuhle kwezivakashi ezineholo eliphansi noma izikweletu eziningi.
Ngaphandle kokucabangela i-DTI, akudingekile ukuba sicabangele intela yomhlaba womshwalense yamanye ama-REO, futhi asikho isidingo sokuthi sihlole izimbuyiselo zentela zababoleki, ezihlinzeka ngezimo ezilula kakhulu zokugunyazwa ngokushesha kwezimali mboleko.Uma uthenga indlu yokutshala imali, ukukhetha i-DSCR kungakusiza ukuthi uqedele ngokushesha umsebenzi wokuthenga indlu!
Isikhathi sokuthumela: Jan-21-2022