Yakakwira sei DTI Inobata Yako Jumbo Chikwereti Chikumbiro

Kana iwe uri kutsvaga kuchengetedza aJumbo Loanasi uve neDTI Yakakwirira, unogona kunge uchinetseka kuti izvi zvichakanganisa sei chikumbiro chako chechikwereti. Chikwereti cheJumbo chinowanzodiwa pakutenga dzimba dzemhando yepamusoro, uye nezvikwereti zvakakura izvi zvinouya nemazinga epamusoro ekukweretesa. Nekudaro, kunyangwe paine zvimhingamipinyi zvingangoitika, kuchengetedza Jumbo Chikwereti neHigh DTI zvinogoneka nemaitiro akakodzera uye gadziriro.

Chekutanga, ngatitsanangure kuti High DTI inorevei. Chikwereti chako-ku-income ratio inotarwa nekupatsanura chikwereti chako chemwedzi wega wega nemari yaunowana pamwedzi. A High DTI zvinowanzoreva kuti uri kushandisa chikamu chikuru chemari yako pachikwereti, izvo zvinomutsa kunetseka kune vanokweretesa pamusoro pekugona kwako kubhadhara chimwe chikwereti, seJumbo Loan.

Nekudaro, iyo Yepamusoro DTI haingokudzisirwe iwe kubva pakutora Jumbo Chikwereti. Mamwe mapurogiramu eJumbo Loan anochinja-chinja uye anogona kubvumira mareshiyo epamusoro eDTI, kunyanya kana mamwe maficha emari yako akasimba. Semuyenzaniso, kana uine mari yakasara kana mubhadharo wakakura, vanokweretesa vangave vachida kufuratira High DTI nekuti kugadzikana kwako kwemari kunobvisa njodzi.

Pamusoro pezvo, vamwe vanokweretesa vanogona kufunga kubhadharira zvinhu zvakaita seyakoCredit Score, nhoroondo yebasa, uye kukosha kwepfuma iri kupihwa mari. A High DTI inogona kuramba ichigamuchirwa kana mukwereti ane zvinhu zvakakura uye achikwanisa kubhadhara mari yakawanda, nokudaro kuderedza chikwereti-ku-value reshiyo.

Kana uine High DTI uye uchinetsekana nezvekukodzera kuJumbo Loan, pane zvinhu zvishoma zvaungaita kuti uvandudze mikana yako. Kutanga, edza kuderedza chikwereti chako usati wakumbira chikwereti. Bhadhara chikwereti chine mubereko wakanyanya, semakadhi echikwereti, kana kugadziridza zvikwereti zviripo kuti udzikise mubhadharo wepamwedzi. Imwe nzira ndeyekuwedzera mari yaunowana, kungave nekutaurirana muhoro wepamusoro kana kutsvaga mamwe mabviro emari, izvo zvinogona kubatsira kuderedza DTI yako.

Mukupedzisa, nepo DTI yepamusoro ichigona kuita kuti kukodzera kweJumbo Loan kuve kwakaoma, hazvigoneke. Vanokweretesa vanogona kunge vachida kushanda nevanokwereta vane yakakwira DTI ratios, kunyanya kana vaine mamwe masimba munhoroondo yavo yezvemari. Nekutora matanho ekuvandudza DTI yako uye kushanda nemukweretesi akakodzera, unogona kuwedzera mikana yako yekuwana Jumbo Loan inoenderana nezvido zvako.