ʻO nā hōʻaiʻē Bank Statement: He hopena no nā mea hōʻaiʻē DTI kiʻekiʻe

Ma ke aupuni o ka hōʻaiʻē moraki ma ʻAmelika Hui Pū ʻIa, ʻo ka lakio ʻaiʻē kiʻekiʻe - i ka loaʻa kālā (DTI) i lilo pinepine i mea hina nui no ka poʻe ʻaiʻē. Eia naʻe,hōʻike panakōKe puka mai nei nā hōʻaiʻē ma ke ʻano he hopena kūpono no ka poʻe me nā pae DTI kiʻekiʻe.
No nā kānaka he nui, hiki i kahi DTI kiʻekiʻe ke hopena o nā kumu like ʻole. He mea nui paha kekahiHoaiai Haumananā aie, aʻo nā mea ʻē aʻe e lawe ana i ka nui o nā koena kāleka hōʻaiʻē. Loaʻa i nā mea hōʻaiʻē moraki kuʻuna i nā palena DTI koʻikoʻi, e hōʻole pinepine ana i nā mea hōʻaiʻē me nā lakio ma mua o 43% a i ʻole ka haʻahaʻa i kekahi mau hihia. Akā ʻokoʻa ka hana ʻana o nā hōʻaiʻē ʻōlelo panakō.

Ke nānā nei kēia mau hōʻaiʻē i ke kahe kālā maoli o ka mea ʻaiʻē e like me ka mea i hōʻike ʻia ma kā lākou hōʻike panakō. E nānā ka poʻe hāʻawi kālā i nā waihona i hana ʻia ma kahi manawa, maʻamau 12 a 24 mau mahina. ʻO ia hoʻi, inā he DTI kiʻekiʻe ka mea hōʻaiʻē ma muli o nā aie e kū nei, ʻoiai hiki iā lākou ke hōʻike i ka loaʻa kūpono a lawa hoʻi ma o kā lākou waihona waihona, hiki nō paha iā lākou ke hōʻaiʻē.

E lawe, no ka laʻana, kahi ʻoihana ʻōpio i puka i ke kula ʻoihana hanohano. Loaʻa paha iā lākou kahi hōʻaiʻē haumāna nui, e hoʻonui ana i kā lākou DTI. Eia naʻe, ua pae lākou i kahi hana uku kiʻekiʻe a hōʻike kā lākou ʻōlelo panakō i nā waihona mālama olakino. Me kahi hōʻaiʻē ʻōlelo panakō, hiki iā lākou ke hoʻomau i kā lākou moemoeā o ka home.
Ke noi nei i kahi hōʻaiʻē hōʻaiʻē panakō me kahi DTI kiʻekiʻe, he mea koʻikoʻi ia e hōʻike i nā ʻōlelo panakō i hoʻonohonoho ʻia a maopopo. Pono e wehewehe pono ʻia nā waihona nui a i ʻole nā ​​​​waiho like ʻole. Eia kekahi, ʻo ka loaʻa ʻana o ka mōʻaukala hōʻaiʻē maikaʻi, ʻoiai ke kiʻekiʻe DTI, hiki ke hoʻomaikaʻi nui i ka manawa o ka ʻae ʻana i ka hōʻaiʻē.

I ka hopena, hāʻawi nā hōʻaiʻē hōʻaiʻē panakō i kahi kukui o ka manaʻolana no nā mea hōʻaiʻē me nā lakio DTI kiʻekiʻe. Ma ka nānā 'ana ma waho o ka DTI - e pili ana i ka underwriting approach, ua wehe lākou i nā manawa no nā po'e hou a'e e ho'okō i ko lākou home - nā pahuhopu kū'ai.