Kuyenerera Ngongole ya Jumbo yokhala ndi DTI Yapamwamba: Zomwe Muyenera Kudziwa

Poganizira ajumboNgongole, chimodzi mwazinthu zazikulu zomwe obwereketsa amawunika ndi chiŵerengero chanu cha ngongole ndi ndalama (DTI). Mwachikhalidwe, High DTI imatha kupangitsa kuti zikhale zovuta kuti munthu athe kulandira ngongole yamtundu uliwonse, koma zikafika pa Jumbo Loans, pali zina zomwe mungasankhe komanso zosinthika zomwe zilipo. Tiyeni tiwone mwatsatanetsatane momwe DTI Yapamwamba imakhudzira luso lanu lopeza Ngongole ya Jumbo ndi zomwe mungachite kuti mukhale ndi mwayi wovomerezeka.

Jumbo Loan ndi mtundu wangongole womwe umagwiritsidwa ntchito pazinthu zomwe zimapitiliraKugwirizanaMalire a ngongole omwe akhazikitsidwa ndi Fannie Mae ndi Freddie Mac. Ngongolezi nthawi zambiri zimagwiritsidwa ntchito kulipirira nyumba zamtengo wapatali, ndipo chifukwa cha kukula kwake, zimabwera ndi zofunikira zolembera. Chiŵerengero cha High DTI, chomwe ndi chiwerengero cha ndalama zomwe mumapeza pamwezi zomwe zimapita kubweza ngongole, nthawi zambiri zimakhala mbendera yofiira kwa obwereketsa, chifukwa zimasonyeza kuopsa kwachuma.

Komabe, kwa iwo omwe akufunafuna Jumbo Loan, obwereketsa ena amatha kukhala olekerera akafika pa High DTI. Mapulogalamu ambiri a Jumbo Loan amalola kuti DTI ikhale yokwera, makamaka ngati wobwereka ali ndi katundu wambiri, ali ndi ndalama zambiri, kapena mbiri yamphamvu yangongole. Obwereketsa angaganizirenso zinthu zina, monga mmene wobwereketsayo alili pazachuma, asanapange chosankha chomaliza.

Ndikofunikira kudziwa kuti ngakhale High DTI sikungakulepheretseni kubweza ngongole ya Jumbo Loan, ikhoza kukhudzabe zomwe mukubwereketsa. Nthawi zina, obwereketsa angafunike kubweza ndalama zambiri, chiwongola dzanja chokwera, kapena zolemba zina kuti zitsimikizire kuchuluka kwa ngongoleyo.

Pomaliza, ngakhale kuti DTI Yapamwamba imatha kusokoneza njira yopezera Jumbo Loan, sikuti ndi yosokoneza. Obwereketsa ambiri amapereka zosankha zosinthika kwa obwereketsa omwe ali ndi kuchuluka kwa DTI, ndipo pali njira zomwe mungatenge kuti muwongolere mbiri yanu yazachuma musanalembe fomu ya Jumbo Loan. Nthawi zonse gulani kwa wobwereketsa wabwino kwambiri yemwe amamvetsetsa momwe mulili pazachuma ndipo atha kukupatsani yankho lomwe likugwirizana ndi zosowa zanu.