Kutsegula Mwini Nyumba: Ngongole za Bank Statement for High DTI Borrowers

Pankhani ya kubwereketsa kwanyumba yaku America, chiŵerengero cha Ngongole ndi Ndalama (DTI) chakhala chofunikira kwambiri pakuvomera ngongole. Mwachikhalidwe, DTI yoposa 50% yabweretsa vuto lalikulu kwa obwereka omwe akufunafuna ndalama. Komabe, ndi kudza kwa apaderabank statementngongole, njira yatsopano yatsegulidwa kwa iwo omwe mwina akanatsekedwa kunja kwa msika wa nyumba.

Ngongole zamasitetimenti kubanki zomwe zimavomereza DTI yopitilira 50% ndizosintha masewera. Ngongole izi zimangoyang'ana zenizeniMalowedwe andalamazikuwonetsedwa muzolemba zakubanki za wobwereketsa m'malo mongodalira ma metric a DTI. Obwereketsa omwe amapereka ngongole zotere amamvetsetsa kuti DTI yapamwamba sifanana nthawi zonse ndi kulephera kubweza. Mwachitsanzo, anthu odzilemba okha kapena omwe amapeza ndalama zosakhazikika amatha kukhala ndi DTI yokwera chifukwa cha ndalama zomwe bizinesi amawononga kapena kusinthasintha kwa nyengo koma amakhalabe ndi luso lodalirika lothandizira ngongole yanyumba.

Pofunsira ngongolezi, obwereketsa akuyenera kupereka zidziwitso zatsatanetsatane zakubanki zomwe zimawonetsa ma depositi osasinthika komanso ntchito yabwino yazachuma. Izi zimathandiza obwereketsa kuti awone momwe angapangire ndalama zenizeni komanso kukhazikika. Mosiyana ndi ngongole zachikale pomwe chiwongola dzanja chokhazikika cha DTI chimatsatiridwa, ngongole zina izi zimapereka chidziwitso chokwanira cha thanzi la wobwereka.

Kuphatikiza apo, njira yofunsira ngongole zamasitetimenti ku banki ndikuvomerezedwa kwambiri ndi DTI nthawi zambiri imasinthidwa. Obwereketsa ngati AAA Lendings, omwe ali ndi zaka zambiri komanso ukadaulo wazongongole zomwe si zachikhalidwe, amatha kuwongolera obwereketsa panjirayo moyenera. Amaganizira zinthu zosiyanasiyana monga momwe ma depositi amasungidwira m’masitetimenti a kubanki, kutalika kwa nthawi imene maakaunti akhala akugwira ntchito, ndi zochitika zilizonse zachuma zomwe zingakhudze kubweza ngongole.

Pomaliza, kwa obwereketsa omwe ali ndi DTI yopitilira 50%, ngongole zamasitetimenti kubanki zimapereka njira yabwino yokwaniritsira maloto awo a eni nyumba. Poyang'ana chithunzi chenicheni chandalama choperekedwa m'masitetimenti aku banki, ngongole izi zimapereka mwayi wopeza ngongole yanyumba ndikuchitapo kanthu kuti mukhale ndi nyumba.