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Overview

Yakakurumbira asset chirongwa. Mukwereti ane humwe huwandu hwezvinhu, izvo zvinogona kuvhara mutengo wekutenga kana huwandu hwechikwereti uye mutengo wekuvhara. Hapana ruzivo rwebasa runodiwa; Kwete DTI.

Zvikuru zvePurogiramu

1) Kusvikira ku75% LTV;
2) Kusvika kumadhora mazana mana emari yechikwereti;
3) Kugara kwepuraimari chete;
4) Hapana miganhu pahuwandu hwezvivakwa zvakapihwa mari;
5) Inosvika mwedzi mitanhatu inochengeterwa kubva kumari yemukwereti.

Chii chinonzi ATR-In-Full?

Iyo ATR-In-Yakazara chirongwa zvakare chirongwa cheasset, icho chinokodzera neasset chete.

Isu hativerenge DTI yevanyoreri vanokodzera nekuratidza Assets chete ("ATR-In-Yakazara"). Mechanic, chero mari kana basa rakanyorwa pachikumbiro richaonekwa serisingafadzi kune anonyora pasi. Seimwe nzira, inogona kusiiwa isina chinhu.

Qualification

Pazasi pane nzira dzekuverenga:
Pachikwereti chekutenga, zvinhu zvese zvinotenderwa zvinofanirwa kuenderana nemutengo wekutenga pamwe nechero mutengo wekuvhara.
Assets > = Mutengo wekutenga + mutengo wese wekuvhara
Pachikwereti cherefinance, iyo yese inotenderwa midziyo inofanirwa kuenderana nemari yakazara yechikwereti pamwe nemitengo yekuvhara.
Assets > = Mari yechikwereti + mutengo wekuvhara

Ona pazasi mamiriro ekufanirwa, unogona kutarisa nzira dzekuverenga kuti uone kana uchikwanisa kutanga usati wanyorera zvikwereti nevakweretesi:

Mamiriro ekutanga: Mutengo wekutenga pamwe nemari yekuvhara = $768,500. Zvinhu zviripo = $700,000 (savings) plus $45,000 (50% yeIRA) = $748,000. Muchidimbu ne $20,500. Kana mukwereti ari 59.5 kana kupfuura, midziyo inokodzera ingave $700,000 + $54,000 (60% yeIRA) = $754,000 uye ipfupi ne $14,500.

Mamiriro echipiri: Mari yechikwereti pamwe nemari yekuvhara = $518,500. Zvinhu zviripo = $370,000 (savings) + $100,000 (50% yeIRA) = $470,000. Muchidimbu ne $48,500. Kana mukwereti ari 59.5 kana kupfuura, midziyo inokodzera = $370,000 + $120,000 (60% yeIRA) = $490,000 uye ipfupi ne $28,500.

Zvinhu Zvakakodzera

Cash, stocks, bond and personal liquid assets (hapana pfuma) = 100%.
Retirement accounts = 50% kana 59 kana mudiki uye 60% kana vakuru.
Hapana mari yebhizinesi.