Kugonjetsa High DTI ndi Bank Statement Loans

Pankhani yofunsira kubwereketsa, chiŵerengero cha Ngongole - to - Income (DTI) chikhoza kuwoneka ngati chopinga chosatheka. Komabe,bank statementNgongole zikusintha nkhani kwa obwereketsa muzochitika izi.
Obwereketsa omwe amapereka ngongole za kubanki kwa obwereketsa kwambiri a DTI amatenga njira yonse. Sikuti amangoyika nambala ya DTI koma amafufuza tsatanetsatane wa momwe wobwereka amachitira zachuma. Mwachitsanzo, amawunika kukhazikika kwa wowawasa wopeza ndalamaIZIzikuwonetsedwa mu zikalata za banki. Ngati wobwereka wakhala akulandira madipoziti okhazikika kuchokera kwa makasitomala angapo kwa nthawi yayitali, zimawonetsa njira yodalirika yopezera ndalama, ngakhale DTI ili yokwera.

Poyerekeza ndi zinthu zakale zobwereketsa nyumba, ngongole zobwereketsa kubanki ndizochepa kwambiri pa DTI. Ngongole zachikhalidwe nthawi zambiri zimakhala ndi kukula kumodzi - kokwanira - njira zonse, ndikudula kwambiri - kuchotsedwa kwa DTI. Mosiyana ndi izi, ngongole za kubanki zimatha kulandira obwereka omwe ali ndi DTIs kuposa 50% nthawi zina. Kusinthasintha uku ndi masewera - kusintha kwa iwo omwe adakanidwa ndi obwereketsa azikhalidwe.

Ganizirani nkhani ya kudzi-ntchitowojambula zithunzi. Ali ndi DTI yayikulu chifukwa adayika ndalama zambiri pakukweza zida zawo zamapangidwe ndi mapulogalamu. Bizinesi yawo ikukula pang'onopang'ono, koma DTI yawo siyikukwaniritsa zofunikira za obwereketsa achikhalidwe. Pofunsira ngongole yobwereketsa ndalama ku banki, wobwereketsayo adatha kuwona kuchuluka kwa ndalama kuchokera kumaprojekiti amakasitomala m'masitetimenti awo aku banki. Zotsatira zake, adavomerezedwa kuti abwereke ngongole, kuwalola kugula malo atsopano a studio.
Kuti muwonjezere mwayi woti avomereze ngongole yobwereketsa ku banki yokhala ndi DTI yayikulu, obwereketsa ayeneranso kukonzekera kupereka zolembedwa zina. Izi zingaphatikizepo umboni wa makontrakitala abizinesi, ma invoice, kapena umboni wina uliwonse wochirikiza ndalama zosonyezedwa m’masitetimenti akubanki.

Mwachidule, ngongole za bank statement ndi chida champhamvu kwa obwereka omwe ali ndi ma ratios apamwamba a DTI. Amapereka njira ina yopezera eni nyumba, zomwe zimathandiza anthu kuthana ndi malire omwe amaperekedwa ndi njira zachikhalidwe zobwereketsa.