Umlinganiselo wakho wesikweletu-kuya-ngeniso (DTI) ipesenti yengeniso yakho yenyanga eya kuhlawula ityala lakho. Kubalulekile ukungadibanisi umlinganiselo wakho wokufumana imali-mboleko kunye nokusetyenziswa kwetyala lakho lixa letyala elinalo malunga nezikwereti zakho zemali.
Ababolekisi abaninzi, ngokukodwa imali yokubolekisa ngemali kunye nababolekisi bemoto, sebenzisa umlinganiselo wakho wesikweletu-kuya-ngeniso ukufumana inani lemali-mboleko ongayisingatha ngokubhekisele kwingeniso yakho yangoku kunye nemali osuyichithele kwi-matyala. Ngokomzekelo, umboleki-mboleko uzakusebenzisa umlinganiselo wakho wesikweletu-kuya-ngeniso ukufumana intlawulo yemboleko ongayifumana emva kokuba zonke iitalato zakho zenyanga zihlawulwe.
Nawe unako ukubala inani lakho lemali-kuya-ngeniso ukuze ubone ukuba uninzi kangakanani uchitha isikweletu ngenyanga.
01 Inani leMali yakho yenyanga
Umlinganiselo wakho wesikweletu-kuya-ngeniso ubalwa ngokwahlula umvuzo wakho ngenyanga ngenkokhelo yakho yenyanga.
I-DTI = ityala leenyanga / ngenyanga
Isinyathelo sokuqala ekubaleni umlinganiselo wakho wetyala-kuya-ngeniso uqikelela ukuba uchitha ixesha elingakanani inyanga.
Ukuqala, yongeza into oyisebenzisayo nyanga nganye kwi-matyala, kuquka oku kulandelayo:
- Imali okanye irente
- Iintlawulo zekhadi elincinci
- Mboleko yemoto
- Mboleko ya bafundi
- Imali yokuxhasa i-Alimony / abantwana
- Ezinye iimali-mboleko
Umzekelo:
Masicinge ukuba uSam uneendleko ezilandelayo zetyala:
- Imali = $ 950
- Iintlawulo ezincinci zekhadi yesikweletu = $ 235
- Imali mboleko = $ 355
$ 950 + $ 235 + $ 355 =
Intlawulo yamatyala ngenyanga kaSam ngenyanga = $ 1,540
02 Yonke Ingeniso Yakho Yenyanga
Isinyathelo esilandelayo ekunqumeni isilinganiselo sakho semali-kuya-ngeniso kubalwa ngeniso yakho yenyanga.
Qala ngokubala yonke ingeniso yakho yenyanga. Yongeza imali oyifumayo inyanga nganye ukusuka:
- Imali engenayo
- Iibhonasi okanye ixesha elide
- Ukuxhaswa kwabakwa-Alimony / abantwana
- Enye ingeniso
Umzekelo
Khumbula, uSam uchitha i-$ 1,540 inyanga nganye kwiintlawulo zetyala. Yiloo nto ayifumana kwingeniso yenyanga nganye.
- Imali engenayo yonyaka = $ 3,500
- inkxaso yezingane = $ 500
Imali engenayo yonyaka ka-Sam = $ 3,500 + $ 500 = $ 4,000.
Qaphela: Yandisa imali engenayo yeveki ngo-4 kunye nengeniso yenyanga ngenyanga nge-2 ukubala ingeniso yakho yenyanga. Okanye, ukuba uyazi umvuzo wakho wonyaka, hlukanisa ngo-12 ukufumana ingeniso yakho yenyanga.
03 Bala i-Matyala akho kwiRatio yeNgeniso
Emva kokuba ubale oko uchitha inyanga nganye kwiintlawulo zetyala kunye nento oyifumayo inyanga nganye kwimali engenayo, unamanani oyifunayo ukubala inani lakho lemali-kuya-ngeniso. Ukubala umlinganiselo, ukwahlula iintlawulo zakho zenyanga zetyala ngenzuzo yakho yenyanga. Emva koko, wandise umphumo we-100 ukuza neepesenti.
Umzekelo
Ngokomzekelo wethu, intlawulo yamatyala ngenyanga kaSam eyi-1,540 yeeRhafu kunye nengeniso yakhe yenyanga ngenyanga eyi-4,000. Ngoko-ke, mahlule i-$ 1,540 ngama-4,000 ee-$ 4,000 size sande nge-100.
$ 1540 / $ 4000 = .385 X 100 = 38.5%
Ityala likaSam kwiholo elingeniso li-38.5%.
04 Liliphi Iingxowa Zakho Zokufumana Imilinganiselo Yokulinganiswa
Isiphumo sakho sokugqibela siza kwesinye sezi zigaba.
I-36% okanye ngaphantsi i-debt debtest burden for the majority of people. Ukuba inqanaba lakho lemali-mali-engenayo liloluhlu, thintela ukufumana ityala elingaphezulu ukuze ugcine umlinganiselo omhle. Unokuba neengxaki zokufumana imvume yokuboleka imali kunye nomlinganiselo ongaphezulu kwesi sixa.
I-37% -42% ayikho into embi yokuba nayo, kodwa ingaba ngcono. Ukuba umlinganiselo wakho uwela kuloluhlu, kufuneka uqale ukunciphisa amatyala akho .
43% -49% ngumlinganiselo obonisa ingxaki yengxaki. Kufuneka uqalise ngokukhawuleza ukuhlawula amatyala akho ukukhusela imeko yetyala elixinzelelweyo.
I-50% okanye ngaphezulu yinkalo eyingozi kakhulu. Oku kuthetha ukuba ngaphezu kwengxenye yengeniso yakho iya kwiintlawulo zematyala. Kufuneka uhlawule ngenyameko kwiimali zakho. Unganqikazi ukufuna uncedo lobuchwepheshe .
Umzekelo
Ngokomzekelo wethu, amatyala kaSam kwingeniso yerhafu ngu-38.5%. Oku akuyona into embi, kodwa ingaba yimbi xa uSam akhula iintlawulo zakhe zenyanga zemali ngaphandle kokunyusa imali engenayo.