Ukuba uzimisele ngokuthenga indlu, unokuba ujonge amanqaku akho etyala. Emva kwayo yonke loo nto, amanqaku amanqaku aphezulu ngetyala 740 okanye ngaphezulu -Uya kukufumanela elonaqondo lifanelekileyo lobambiso. Nangona kunjalo usenokufanelekela i-Federal Housing Administration, okanye i-FHA, mboleko ngenqaku kwii-500s.
Kodwa kukho elinye inani-umlinganiso wakho wetyala-kwingeniso, okanye i-DTI-ababolekisi abajonge kuyo. Ngapha koko, njengamanqaku akho etyala, i-DTI yakho imisela ukuba ungakulungela na ukubambisa ngento mboleko. Into enomdla kukuba ayililo inani abanokuba ngabathengi abanokuhlala behlengahlengisa ngokungathi banokwenza amanqaku ngetyala.
Nantsi into ekufuneka uyazi malunga ne-DTI, kubandakanya umyinge ofanelekileyo wababolekisi abafuna ukuwubona, ubalwa njani, kunye nendlela onokuthi uwuphucule ngayo umlinganiselo wetyala lakho nomvuzo.
Yintoni umlinganiso olungileyo we-DTI?
Xa kuziwa kwi-DTI, inombolo yomlingo ngesiqhelo ingama-43, uyachaza uCasey Fleming, umcebisi wezemali kunye nomlobi Isikhokelo seMali-mboleko: Ungayifumana njani eyona Mboleko mboleko inokwenzeka. Uxanduva lwakho lwenyanga kufuneka lungagqithi kwiipesenti ezingama-43 zengeniso yakho, eyimbuyekezo yakho ngaphambi kokutsalwa kwemivuzo, utsho.
Kwixesha elidlulileyo, abathengi abathenga amakhaya ngeenkqubo zemali mboleko ezixhaswa ngurhulumente njengoFannie Mae noFreddie Mac bebevumelekile ukuba babe neepesenti ezingama-50 ze-DTI. Kodwa ngoJanuwari ka-2013, i-Arhente yezeMali yezeZindlu ye-Federal yehlisa ezo zibonelelo ze-arhente ye-DTI yaya kwiipesenti ezingama-43 okanye ngaphantsi. Abathengi abaneemali-mboleko ze-FHA, nangona kunjalo, banokuba nenqanaba lokufumana ityala ukuya kuthi ga kwiipesenti ezingama-50, ucacisa uFleming.
Kwi-2018, ngaphezulu kwesiqingatha sezicelo zokwabiwa kwemali mboleko zazinomlinganiso we-DTI odlula iipesenti ezingama-43, ngokwedatha yoMthetho wokuBhengezwa kwempahla eKhaya ekhutshwe yinkampani yohlalutyo lwezezimali. I-CoreLogic .
Zeziphi izinto ezikwi-DTI?
Ngaba uyazibuza ukuba ubalwa njani umlinganiselo wetyala lakho? Impendulo elula: Yahlula izibophelelo zakho zenyanga zizonke zizonke (okt ngaphambi kwerhafu) yengeniso yenyanga, ichaza ingcali yokuthobela imali mboleko U-Anna DeSimone .
Izibophelelo zizonke zibandakanya intlawulo yezindlu eqikelelweyo ecetywayo- enokubandakanya irhafu yepropathi, i-inshurensi yengozi, kunye nayo nayiphi na imali ehlawulwayo ye-condo- kunye nentlawulo yenyanga kuyo nayiphi na imali-mboleko yomfundi, imoto, okanye iimali mboleko zesavenge ezineentlawulo ezilishumi okanye nangaphezulu, uyacacisa uDeSimone, Umbhali we Ezezimali zeZindlu 2020 . Iindleko zenyanga nganye zibandakanya iipesenti ezintlanu zebhalansi edityanisiweyo yamakhadi etyala ajikelezayo, utshilo.
Kwithiyori, lonke uxanduva lwamatyala oluqhubekayo kufuneka lubandakanywe xa kubalwa umlinganiselo wetyala-ukuya-kumvuzo, uFleming uyacacisa.
Ngeenjongo zokubhala phantsi, nangona kunjalo, umbolekisi ubona kuphela oko kunikwe ingxelo kwingxelo yetyala, ke iimali mboleko zobuqu ezingachazwanga kwiziko lamatyala kufuneka zibandakanywe, kodwa kuhlala kungenjalo, utshilo uFleming.
Ngokumalunga nengeniso, ukuba une-hustle esecaleni ngaphezulu komsebenzi wakho oqhelekileyo, abagcini-zincwadi baya kufuna ukubona ubuncinci iminyaka emibini yengeniso yomvuzo kwirhafu yomboleki, ebonisa ukuba umvuzo uqinisekisiwe, uzinzile kwaye unokuqhubeka, UFleming uyacacisa. Iminyaka emibini edlulileyo yomvuzo iphakathi, ngaphandle kokuba ingeniso ijongeka ngathi iyancipha, kwimeko apho, ababhalisi abaphantsi baya kujonga kowona nyaka wamva nje.
Ungayiphucula njani i-DTI yakho ngaphambi kokuthenga indlu?
Ukuba ujonge ukuphucula umyinge wamatyala ukuya kwingeniso, ungathatha indlela ecwangcisiweyo yokuhlawula amatyala akho, iingcali zithi.
Ukuhlawula amakhadi etyala kubonakala ngathi ngumbono olungileyo, kodwa kungcono ukuthatha eli nyathelo kwiinyanga ezili-6 ukuya kwezi-12 ngaphambi kokuba uqale ukuzingela indlu, utshilo uDeSimone. Ngamanye amaxesha imigaqo yekhredithi isekwe kwiinyanga ezili-12 ezidlulileyo zokusebenzisa ngetyala.
Kwakhona, iipesenti ezi-5 zomgaqo wokusetyenziswa kwekhadi letyala elifakwe kwi-DTI lilungile, kuba ihlala ingaphantsi kweyona ntlawulo incinci ifunwayo ngabatyalwayo, utshilo uDeSimone.
Xa kuziwa kwiintlawulo zakho zemoto, jonga ukuba ushiyeke zingaphi. UDeSimone ubonelela ngolu hlobo:
Ukuba unemali mboleko yemoto eyi-300 ngenyanga kunye neentlawulo ezili-15 ezisele (ukusukela kumhla wesicelo sakho semali-mboleko), ungahlawula ibhalansi yakho kwiintlawulo ezili-10 ukuba uneedola ezili-1,500 kwimali oyisebenzisileyo. Emva koko, zisa ubungqina kumbolekisi wakho wobambiso wokuba uhlawule ezi ntlawulo zintlanu, kwaye intlawulo yenyanga engama-300 iyakususwa kwi-DTI yakho, utshilo.
Into ekufuneka uyikhumbule xa isiza kwi-DTI? Ukuthenga ngento obambise ngayo kunye nokukhathalela kuphela amanqaku akho etyala kufana nokuya ejimini kwaye usenza nje i-cardio, ngelixa ungakhathaleli oomatshini bobunzima. Umlinganiso olungileyo wokufumana ityala uza kukunika umsipha wezezimali, oko kukuthi, ukuba ufuna ukukhusela ubambiso.
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