Momwe DTI Imakhudzira Ntchito Yanu Yobwereketsa ya Jumbo

Ngati mukuyang'ana kuti muteteze aJumbo Loankoma mukhale ndi DTI Yapamwamba, mutha kukhala mukuganiza kuti izi zingakhudze bwanji pempho lanu la ngongole. Ngongole ya Jumbo nthawi zambiri imafunika pogula nyumba zamtengo wapatali, ndipo ngongole zazikuluzikuluzi zimabwera ndi miyezo yapamwamba yobwereketsa. Komabe, ngakhale pangakhale zovuta, kupeza Ngongole ya Jumbo ndi High DTI ndizotheka ndi njira zoyenera komanso kukonzekera.

Choyamba, tiyeni tifotokoze tanthauzo la High DTI. Ngongole yanu ndi ndalama zomwe mumapeza zimawerengedwa pogawa zomwe mumalipira pamwezi ndi ndalama zomwe mumapeza pamwezi. A High DTI amatanthauza kuti mukuwononga gawo lalikulu la ndalama zanu pangongole, zomwe zimadzetsa nkhawa kwa omwe akubwereketsa za kuthekera kwanu kubweza ngongole zina, monga Jumbo Loan.

Komabe, High DTI sichimakulepheretsani kupeza Ngongole ya Jumbo. Mapulogalamu ena a Jumbo Loan ndi osinthika kwambiri ndipo amatha kuloleza kuchuluka kwa ma DTI, makamaka ngati mbali zina za mbiri yanu yazachuma ndi zamphamvu. Mwachitsanzo, ngati muli ndi ndalama zambiri kapena ndalama zambiri, obwereketsa angakhale okonzeka kunyalanyaza High DTI chifukwa kukhazikika kwanu kwachuma kumathetsa chiopsezo.

Kuphatikiza apo, ena obwereketsa angaganizire zinthu zobweza monga zanuNgongole Score, mbiri ya ntchito, ndi mtengo wa malo omwe aperekedwa ndi ndalama. DTI yapamwamba ikhoza kuvomerezedwa ngati wobwereka ali ndi katundu wochuluka ndipo amatha kubweza ndalama zambiri, motero kuchepetsa chiŵerengero cha ngongole ndi mtengo.

Ngati muli ndi DTI Yapamwamba ndipo mukukhudzidwa kuti muyenerere Ngongole ya Jumbo, pali zinthu zingapo zomwe mungachite kuti muwonjezere mwayi wanu. Choyamba, yesani kuchepetsa ngongole yanu musanapemphe ngongole. Lipirani ngongole zachiwongola dzanja chambiri, monga ma kirediti kadi, kapena perekaninso ngongole zomwe zilipo kuti muchepetse zolipira pamwezi. Njira ina ndikuonjezera ndalama zomwe mumapeza, mwina pokambirana za malipiro okwera kapena kupeza njira zina zopezera ndalama, zomwe zingathandize kuchepetsa DTI yanu.

Pomaliza, ngakhale High DTI ingapangitse kuti munthu ayenerere Ngongole ya Jumbo kukhala yovuta, sizotheka. Obwereketsa angakhale okonzeka kugwira ntchito ndi obwereketsa omwe ali ndi chiwerengero chachikulu cha DTI, makamaka ngati ali ndi mphamvu zina pazachuma chawo. Pochitapo kanthu kuti muwongolere DTI yanu ndikugwira ntchito ndi wobwereketsa woyenera, mutha kuwonjezera mwayi wanu wopeza Jumbo Loan yomwe ikugwirizana ndi zosowa zanu.