Bank Statement Zvikwereti: Mhinduro kune Yepamusoro DTI Vanokwereta

Munzvimbo yekukweretesa kwembande muUnited States, chiyero cheChikwereti chepamusoro-ku-Income (DTI) kazhinji chave chiri chigumbuso chikuru kune vanokwereta. Zvisinei,bank statementzvikwereti zviri kubuda semhinduro inoshanda kune avo vane mazinga akakwirira eDTI.
Kune vanhu vazhinji, DTI yakakwira inogona kuve mhedzisiro yezvikonzero zvakasiyana. Vamwe vanogona kunge vane zvakakoshaChikwereti chemudzidzizvikwereti, nepo vamwe vangave vakatakura chitsama chakakura chezvikwereti zvekadhi rechikwereti. Vechinyakare vanokweretesa vanokweretesa vane miganhu yakasimba yeDTI, kazhinji vachiramba vanokwereta vane zviyero zvinopfuura 43% kana kuderera mune dzimwe nguva. Asi zvikwereti zvebhengi zvinoshanda zvakasiyana.

Zvikwereti izvi zvinotarisa pamari yemukwereti chaiyo sezvainoratidzwa mumasitetimendi avo ekubhanga. Vanokweretesa vanozoongorora madhipoziti akaitwa pamusoro penguva, kazhinji 12 kusvika 24 mwedzi. Izvi zvinoreva kuti kunyange kana mukwereti aine DTI yakakwira nekuda kwezvikwereti zviripo, chero bedzi vachigona kuratidza mari inowirirana uye yakakwana kuburikidza nemadhipoziti avo ekubhangi, vanogona kunge vachikodzera kukweretwa.

Somuenzaniso, tora imwe nyanzvi yechiduku ichangopedza kudzidza pachikoro chebhizimisi chine mukurumbira. Vanogona kunge vaine chikwereti chakakura chechikwereti chemudzidzi, icho chinokwidza DTI yavo. Nekudaro, vakawana basa rinobhadhara zvakanyanya uye masitatimendi avo ekubhangi anoratidza dhipoziti yenguva dzose, ine hutano. Nechikwereti chebhengi, vanogona kuramba vachitevera chiroto chavo chekuva muridzi wemba.
Paunenge uchinyorera chikwereti chesitetimendi chebhangi neDTI yakakwira, zvakakosha kuti uratidze zvakarongeka uye zvakajeka masitatimendi ekubhangi. Chero madhipoziti makuru kana asina kujairika anofanira kutsanangurwa zvakajeka. Pamusoro pezvo, kuve nenhoroondo yakanaka yechikwereti, kunyangwe iyo yakakwira DTI, inogona kuvandudza zvakanyanya mikana yekubvumidzwa kwechikwereti.

Mukupedzisa, zvikwereti zvebhengi zvinopa tariro kune vanokwereta vane yakakwira DTI ratios. Nekutarisa kunze kwechinyakare DTI - yakavakirwa underwriting maitiro, vanovhura mikana yekuti vanhu vazhinji vazadzikise imba yavo - kutenga zvinangwa.