Kukodzera Kukwereta kweJumbo ine Yakakwira DTI: Zvaunoda Kuziva

Kana uchifunga ajumboChikwereti, chimwe chezvinhu zvakakosha izvo vanokweretesa vanoongorora chikwereti chako-kune-income (DTI) chiyero. Sechivanhu, High DTI inogona kuita kuti zviome kukwereta chero rudzi rwechikwereti, asi kana zvasvika kuJumbo Loans, pane zvimwe zvakasarudzika uye zvinochinjika sarudzo dziripo. Ngatitarisei zvakanyanya kuti High DTI inokanganisa sei kugona kwako kuchengetedza Jumbo Loan uye zvaungaita kuti uvandudze mikana yako yekubvumidzwa.

A Jumbo Loan imhando yemortgage inoshandiswa kune zvivakwa zvinopfuuraConformingmiganhu yechikwereti yakagadzwa naFannie Mae naFreddie Mac. Zvikwereti izvi zvinowanzo shandiswa kupa mari kudzimba dzemhando yepamusoro, uye nekuda kwehukuru hwadzo, dzinouya nezvimwe zvinoomesera zvekunyora pasi. A High DTI ratio, inova chikamu chemari yako yepamwedzi inoenda kunobhadhara zvikwereti, inowanzova mureza mutsvuku kune vanokweretesa, sezvo inoratidza huwandu hwepamusoro hwenjodzi yemari.

Nekudaro, kune avo vari kutsvaga Jumbo Chikwereti, vamwe vanokweretesa vanogona kurerukirwa kana zvasvika kune Yepamusoro DTI. Mapurogiramu mazhinji eJumbo Loan anobvumira chiyero chepamusoro cheDTI, kunyanya kana mukwereti aine midziyo yakakosha, mubhadharo wakakura, kana nhoroondo yakasimba yechikwereti. Vanokweretesa vanogonawo kufunga nezvezvimwe zvinhu, senge mamiriro emari emukwereti, vasati vaita sarudzo yekupedzisira.

Zvakakosha kuziva kuti kunyangwe High DTI ingasangokubvisa paJumbo Loan, inogona kukanganisa mirau yechikwereti chako. Mune zvimwe zviitiko, vanokweretesa vangangoda mubhadharo wepamusoro, mubereko wepamusoro, kana mamwe magwaro kuti varatidze chikwereti chakakwira.

Mukupedzisa, nepo DTI yepamusoro ichigona kuomesera maitiro ekuchengetedza Jumbo Chikwereti, hazvingoreve kuti dhizaini. Vazhinji vanokweretesa vanopa sarudzo dzinochinjika kune vanokwereta vane yakakwira DTI ratios, uye pane matanho aunogona kutora kuti uvandudze chimiro chako chemari usati wanyorera Jumbo Loan. Gara uchitenga kune akanakisa mukweretesi anonzwisisa yako yakasarudzika mamiriro emari uye anogona kupa mhinduro inoenderana nezvido zvako.