Chiŵerengero cha ngongole ndi ndalama
Kuwulura: Nkhaniyi ili ndi maulalo ogwirizana, zomwe zikutanthauza kuti timalandira ntchito mukadina ulalo ndikugula zomwe talimbikitsa. Chonde onani ndondomeko yathu yowulula kuti mumve zambiri.
Ikafika nthawi yopezera ngongole, limodzi mwa malangizo omwe aliyense akuwoneka kuti akupereka ndikuwongolera ngongole. Koma n’chifukwa chiyani kuli kofunikira? Komanso, kodi mungadziwe bwanji kumene ngongole yanu ili? Poyamba, kodi ngongole imatchedwa chiyani?
Pamodzi ndi ndalama zomwe mumasungira, chiŵerengero chanu cha ngongole ndi ndalama (DTI) ndi imodzi mwazinthu zofunika kwambiri zomwe obwereketsa akugwiritsa ntchito kuti adziwe kuchuluka kwa ndalama zomwe mungakwanitse. DTI yanu ili ndi ubale wachindunji ndi malipiro apamwezi omwe mungasankhe mukalandira ngongole yanyumba.
DTI ndi chiŵerengero chomwe chimafananiza malipiro a mwezi uliwonse omwe mumapanga pa ngongole zomwe zilipo kale ndi ndalama zonse zomwe mumapeza pamwezi musanapereke msonkho. Kutengera ndi mtundu wangongole yomwe mukufuna komanso ma metric oyenerera, pali mitundu iwiri ya kuwerengetsa yomwe imagwiritsidwa ntchito kwambiri pakuyenerera kubwereketsa nyumba: DTI yoyambira ndi DTI yomaliza.
Kodi ngongole yanyumba imatengedwa ngati ngongole?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Kodi zothandizira zimatengedwa ngati ngongole?
Kuphatikiza pa mphambu zanu zangongole, chiŵerengero chanu cha ngongole ndi ndalama (DTI) ndi gawo lofunikira pazachuma chanu chonse. Kuwerengera DTI yanu kungakuthandizeni kudziwa momwe mulili omasuka ndi ngongole yanu yamakono, komanso kukuthandizani kusankha ngati kupempha ngongole ndi njira yoyenera kwa inu. Mukafunsira ngongole, obwereketsa amawunikanso DTI yanu kuti akuthandizeni kudziwa kuopsa kokhala ndi malipiro ena. Gwiritsani ntchito zomwe zili pansipa kuti muwerenge chiŵerengero chanu cha ngongole ndikumvetsetsa zomwe zikutanthawuza kwa obwereketsa.
Obwereketsa amaganizira mosiyanasiyana, kutengera kukula, cholinga, ndi mtundu wangongole. Chiŵerengero chanu chapadera, kuphatikizapo ndalama zonse zomwe mumapeza pamwezi ndi ngongole, ndi ngongole zanu za ngongole zimayesedwa pamene mukufunsira akaunti yatsopano yangongole. Malamulo ndi malangizo amasiyana, obwereketsa ambiri amakonda kuwona DTI pansi pa 35─36% koma obwereketsa ena amalola mpaka 43─45% DTI, ndi ngongole za inshuwaransi za FHA zomwe zimalola 50% ya DTI. Kuti mudziwe zambiri za milingo yangongole ya Wells Fargo, phunzirani zomwe chiŵerengero chanu cha ngongole chimatanthauza.
Zomwe zimaonedwa ngati ngongole pa balance sheet
Poganizira zogula nyumba, ndikofunika kudziwa bwino chiwerengero cha ngongole ndi ndalama (DTI). Ngati muli ndi ngongole zambiri poyerekeza ndi zomwe mumapeza, kupita patsogolo ndi kugula nyumba kungakhale koopsa. Ngakhale mutakhala okonzeka kuchitapo kanthu, zingakhale zovuta kupeza wobwereketsa wokonzeka kugwira ntchito ndi DTI yanu yapamwamba.
Chiŵerengero cha ngongole ndi ndalama, kapena DTI, ndi peresenti yomwe imauza obwereketsa ndalama zomwe mumawononga pobweza ngongole poyerekeza ndi ndalama zomwe zimabwera m'nyumba mwanu. Mutha kuwerengera DTI yanu powonjezera ndalama zochepa zomwe mumalipira pamwezi pangongole zanu ndikuzigawa ndi ndalama zomwe mumapeza pamwezi msonkho usanapereke.
Mukapempha kubwereketsa, muyenera kukwaniritsa zofunikira za DTI kuti wobwereketsa adziwe kuti simukutenga ngongole zambiri kuposa momwe mungathere. Obwereketsa amakonda obwereketsa omwe ali ndi DTI yocheperako chifukwa izi zikuwonetsa kuti pali chiopsezo chocheperako choti mulephera kubweza ngongoleyo.
DTI yoyambirira imangokhala ndi ndalama zokhudzana ndi nyumba. Imawerengeredwa pogwiritsira ntchito malipiro anu a mwezi uliwonse a ngongole yanyumba, kuphatikizapo msonkho wa katundu ndi inshuwalansi ya mwini nyumba, komanso malipiro a bungwe la eni nyumba.
