Ngongole za Bank Statement: Yankho kwa Obwereketsa Apamwamba a DTI

Pankhani yobwereketsa nyumba ku United States, chiŵerengero cha Ngongole - to - Income (DTI) nthawi zambiri chakhala chopunthwitsa chachikulu kwa obwereka. Komabe,bank statementNgongole zikutuluka ngati njira yabwino kwa iwo omwe ali ndi ma DTI okwera.
Kwa anthu ambiri, DTI yapamwamba imatha kukhala chifukwa cha zinthu zosiyanasiyana. Ena akhoza kukhala ofunikiraNgongole ya OphunziraNgongole, pamene ena angakhale atanyamula ndalama zambiri za makhadi a ngongole. Obwereketsa nyumba zachikhalidwe amakhala ndi malire okhwima a DTI, nthawi zambiri amakana obwereka omwe ali ndi ma ratios opitilira 43% kapena otsika nthawi zina. Koma ngongole za banki zimagwira ntchito mosiyana.

Ngongolezi zimayang'ana kwambiri momwe wobwereka ndalama amayendera monga momwe zikuwonekera m'masitetimenti awo aku banki. Obwereketsa adzasanthula ndalama zomwe zasungidwa kwa nthawi yayitali, nthawi zambiri miyezi 12 mpaka 24. Izi zikutanthauza kuti ngakhale wobwereka ali ndi DTI yochuluka chifukwa cha ngongole zomwe zilipo, malinga ngati atha kusonyeza ndalama zokhazikika komanso zokwanira kudzera mu madipoziti awo akubanki, akhoza kukhala oyenerera kubwereketsa.

Mwachitsanzo, talingalirani za katswiri wachichepere yemwe wangomaliza kumene maphunziro ake kusukulu yapamwamba ya zamalonda. Atha kukhala ndi ngongole ya ngongole ya ophunzira, zomwe zimakulitsa DTI yawo. Komabe, apeza ntchito yolipira kwambiri ndipo masitetimenti awo aku banki akuwonetsa ma depositi athanzi nthawi zonse. Ndi ngongole yobwereketsa ndalama ku banki, amathabe kukwaniritsa maloto awo okhala ndi nyumba.
Mukamafunsira ngongole yobwereketsa ku banki yokhala ndi DTI yokwera, ndikofunikira kuwonetsa masitatimenti akubanki olongosoka. Ma depositi aliwonse aakulu kapena osakhazikika ayenera kufotokozedwa momveka bwino. Kuphatikiza apo, kukhala ndi mbiri yabwino yangongole, ngakhale DTI yokwera, imatha kupititsa patsogolo mwayi wovomereza ngongole.

Pomaliza, ngongole za bank statement zimapereka chiyembekezo kwa obwereka omwe ali ndi ma ratios apamwamba a DTI. Poyang'ana kupyola njira zolembera zachikhalidwe za DTI, amatsegula mwayi kwa anthu ambiri kuti akwaniritse zolinga zawo zogulira nyumba.