Kuvhura Muridzi Wepamba: Bank Statement Zvikwereti kune Yepamusoro DTI Vanokwereta

Munzvimbo yekukweretesa kweAmerican mortgage, chiyero cheDebt-to-Income (DTI) chave chiri chinhu chakakosha mukubvumidzwa kwechikwereti. Sechivanhu, DTI inopfuura 50% yakaisa chipingamupinyi chikuru kune vanokwereta vari kutsvaga mari. Nekudaro, nekuuya kwehunyanzvibank statementzvikwereti, nzira itsva yakavhurika kune avo vangadai vakavharirwa kunze kwemusika wedzimba.

Zvikwereti zvebhengi zvinotambira DTI inopfuura 50% inochinja-chinja. Zvikwereti izvi zvinotarisa pane chaiyoKuyerera Kwemariinoratidzwa muzvinyorwa zvebhangi zveanokwereta pane kungovimba chete nedhigirii reDTI. Vanokweretesa vanopa zvikwereti zvakadaro vanonzwisisa kuti DTI yakakwira haisi nguva dzose yakaenzana nekusakwanisa kubhadhara. Semuyenzaniso, vanhu vanozvishandira kana avo vane mihoro isingaenzaniswi vanogona kunge vaine DTI yepamusoro nekuda kwemitengo yebhizinesi kana kushanduka kwemwaka asi vachiri nekwaniso yakavimbika yekushandira imba yemba.

Paunenge uchinyorera zvikwereti izvi, vanokwereta vanofanirwa kupa zvakadzama zvirevo zvebhanga zvinoratidza madhipoziti anowirirana uye chiitiko chemari chine hutano. Izvi zvinobvumira vanokweretesa kuti vaongorore iyo yechokwadi mari inogona uye kugadzikana. Kusiyana nezvikwereti zvechinyakare apo chivharo cheDTI chakasimba chinotevedzwa, zvikwereti izvi zvinopa maonero akadzama ehutano hwemari hwemukwereti.

Zvakare, maitiro ekunyorera zvikwereti zvebhengi ane yakakwira DTI kugamuchirwa anowanzo gadziridzwa. Vanokweretesa vakaita seAAA Lendings, vane makore eruzivo uye hunyanzvi mukukweretesa kusiri kwechinyakare, vanogona kutungamira vanokwereta kuburikidza nemaitiro acho nemazvo. Ivo vanotarisa zvakasiyana-siyana zvakaita semhando yemadhipoziti mumasitatimendi ebhangi, kureba kwenguva iyo maakaundi anga achishanda, uye chero zviitiko zvakakosha zvemari zvinogona kukanganisa kubhadhara.

Mukupedzisa, kune vanokwereta vane DTI inopfuura 50%, zvikwereti zvebhangi zvinopa sarudzo inoshanda yekuzadzisa zviroto zvavo zvevaridzi vemba. Nekutarisa pamufananidzo chaiwo wezvemari unoratidzwa mumasitetimendi ekubhengi, zvikwereti izvi zvinopa mukana wekuwana chibatiso uye kutora nhanho yekuva nemba.