Yujuje inguzanyo ya Jumbo hamwe na DTI Yisumbuye: Ibyo Ukeneye Kumenya

Iyo usuzumye ajumboInguzanyo, kimwe mubintu byambere abatanga inguzanyo basuzuma ni umwenda wawe-winjiza (DTI). Ubusanzwe, DTI Yisumbuye irashobora gutuma bigora kwemererwa kubona inguzanyo iyo ari yo yose, ariko iyo bigeze ku nguzanyo ya Jumbo, hari bimwe bidasanzwe hamwe nuburyo bworoshye burahari. Reka dusuzume neza uburyo DTI Yisumbuye igira ingaruka kubushobozi bwawe bwo kubona inguzanyo ya Jumbo nicyo wakora kugirango amahirwe yawe yo kwemerwa.

Inguzanyo ya Jumbo ni ubwoko bwinguzanyo zikoreshwa kumitungo irenze iGuhuzaimipaka y'inguzanyo yashyizweho na Fannie Mae na Freddie Mac. Izi nguzanyo zisanzwe zikoreshwa mu gutera inkunga amazu afite agaciro kanini, kandi kubera ubunini bunini, azana ibisabwa bikomeye byo kwandika. Umubare munini wa DTI, nijanisha ryamafaranga winjiza buri kwezi ajyanye no kwishyura imyenda, akenshi ni ibendera ritukura kubaguriza, kuko ryerekana urwego rwo hejuru rwingaruka zamafaranga.

Ariko, kubashaka inguzanyo ya Jumbo, abatanga inguzanyo bamwe barashobora kworoha mugihe cya DTI Yisumbuye. Porogaramu nyinshi zinguzanyo za Jumbo zitanga igipimo kinini cya DTI, cyane cyane iyo uwagurijwe afite umutungo wingenzi, ubwishyu bunini mbere, cyangwa amateka akomeye yinguzanyo. Abatanga inguzanyo barashobora kandi gutekereza ku bindi bintu, nk’uko uwagurijwe ameze muri rusange, mbere yo gufata icyemezo cya nyuma.

Ni ngombwa kumenya ko mugihe DTI Yisumbuye idashobora guhita itaguha inguzanyo ya Jumbo, irashobora kugira ingaruka kumasezerano y'inguzanyo yawe. Rimwe na rimwe, abatanga inguzanyo barashobora gusaba kwishyurwa mbere, inyungu nyinshi, cyangwa izindi nyandiko zerekana ishingiro ryumwenda mwinshi.

Mu gusoza, mugihe DTI Yisumbuye ishobora kugora inzira yo kubona Inguzanyo ya Jumbo, ntabwo byanze bikunze yica amasezerano. Abatanga inguzanyo benshi batanga uburyo bworoshye kubaguriza bafite igipimo kinini cya DTI, kandi hari intambwe ushobora gutera kugirango utezimbere imari yawe mbere yo gusaba inguzanyo ya Jumbo. Buri gihe ujye ugura hafi yinguzanyo nziza yunvise imiterere yihariye yubukungu kandi irashobora gutanga igisubizo gihuye nibyo ukeneye.