{"id":145,"date":"2018-10-15T12:00:10","date_gmt":"2018-10-15T19:00:10","guid":{"rendered":"https:\/\/www.santiagofinancial.com\/blog\/?p=145"},"modified":"2020-10-20T00:20:13","modified_gmt":"2020-10-20T07:20:13","slug":"debt-and-housing-ratios-how-do-they-affect-your-loan-2","status":"publish","type":"post","link":"https:\/\/www.santiagofinancial.com\/zh\/\u503a\u52a1\u548c\u4f4f\u623f\u6bd4\u7387\u5982\u4f55\u5f71\u54cd\u4f60\u7684\u8d37\u6b3e-2\/","title":{"rendered":"\u503a\u52a1\u548c\u4f4f\u623f\u6bd4\u7387--\u5b83\u4eec\u5982\u4f55\u5f71\u54cd\u4f60\u7684\u8d37\u6b3e\uff1f"},"content":{"rendered":"
\u503a\u52a1\u6536\u5165\u6bd4\uff08\u603b\u4f53\u503a\u52a1\u6bd4\u7387\uff09<\/strong><\/p>\n \u4e0e\u4f4f\u623f\u6216\u524d\u7aef\u6bd4\u7387\u540c\u6837\u91cd\u8981\u7684\u662f\u503a\u52a1\u6536\u5165\u6bd4\u7387\u6216 DTI\u3002\u8fd9\u662f\u6bcf\u6708\u603b\u6536\u5165\u4e2d\u7528\u4e8e\u652f\u4ed8\u8d37\u6b3e\u4e2d\u6240\u6709\u503a\u52a1\u7684\u91d1\u989d\u3002\u8d37\u6b3e\u673a\u6784\u8ba4\u4e3a 42-48% \u662f DTI \u7684\u9ec4\u91d1\u8303\u56f4\u3002\u653e\u6b3e\u4eba\u5e0c\u671b\u770b\u5230\u66f4\u4f4e\u7684 DTI\uff0c\u4f46\u901a\u8fc7\u4f7f\u7528\u53ef\u652f\u914d\u6536\u5165\uff0c\u6211\u4eec\u6709\u65f6\u53ef\u4ee5\u5c06\u8fd9\u4e9b\u6bd4\u7387\u62c9\u4f38\u5230 48% \u4ee5\u4e0a\u3002<\/p>\n DTI \u53ef\u4ee5\u901a\u8fc7\u4e0a\u8ff0\u4e09\u4e2a\u56e0\u7d20\u548c\u7b2c\u56db\u4e2a\u56e0\u7d20\u8ba1\u7b97\u5f97\u51fa\uff1a<\/p>\n \u60a8\u7684\u6bcf\u6708\u503a\u52a1\u652f\u4ed8\u989d\u5ea6\u90fd\u52a0\u5230\u4e00\u4e2a\u6570\u5b57\u4e2d\uff0c\u5e76\u7528\u4e8e\u4e00\u4e2a\u7c7b\u4f3c\u7684\u7b49\u5f0f\u3002\u8ba9\u6211\u4eec\u4f7f\u7528\u4e4b\u524d\u7684\u76f8\u540c\u6570\u5b57\uff0c\u5c06\u60a8\u7684\u6bcf\u6708\u503a\u52a1\u652f\u4ed8\u989d\u8bbe\u4e3a $350\u3002 \u540c\u6837\uff0c\u60a8\u9700\u8981\u505a\u7684\u5c31\u662f\u76f8\u52a0\uff0c\u7136\u540e\u9664\u4ee5\uff0c\u5f97\u51fa\u60a8\u7684 DTI\u3002\u7b49\u5f0f\u5982\u4e0b<\/p>\n DTI (43%) = ($720 + $800 + $350) \u00f7 $4,350<\/p>\n \u540c\u6837\uff0c\u60a8\u4e5f\u53ef\u4ee5\u4f7f\u7528\u4e0a\u56fe\u4e2d\u7684\u7b49\u5f0f\u6765\u4e86\u89e3\u60a8\u9700\u8981\u591a\u5c11\u6536\u5165\u6216\u503a\u52a1\u624d\u80fd\u7b26\u5408 DTI \u6bd4\u7387\u7684\u8303\u56f4\u3002<\/p>\n \u4e3a\u4ec0\u4e48\u8981\u8003\u8651\u503a\u52a1\u548c\u4f4f\u623f\u6bd4\u7387\uff1f<\/strong><\/p>\n \u5982\u524d\u6240\u8ff0\uff0c\u4f4f\u623f\u6bd4\u7387\u548c\u503a\u52a1\u6bd4\u7387\u5bf9\u8d37\u6b3e\u4eba\u6765\u8bf4\u975e\u5e38\u91cd\u8981\uff0c\u56e0\u4e3a\u5b83\u663e\u793a\u4e86\u501f\u6b3e\u4eba\u652f\u4ed8\u8d37\u6b3e\u7684\u53ef\u80fd\u6027\u6709\u591a\u5927\u3002DTI \u548c\u4f4f\u623f\u6bd4\u7387\u9ad8\u7684\u501f\u6b3e\u4eba\u66f4\u6709\u53ef\u80fd\u88ab\u8d37\u6b3e\u4eba\u62d2\u7edd\uff0c\u56e0\u4e3a\u501f\u6b3e\u4eba\u6709\u53ef\u80fd\u62d6\u6b20\u8fd8\u6b3e\u3002<\/p>\n \u4f7f\u7528\u4e0a\u8ff0\u516c\u5f0f\u8ba1\u7b97\u6bd4\u7387\uff0c\u53ef\u4ee5\u8ba9\u60a8\u63d0\u524d\u4e86\u89e3\u81ea\u5df1\u662f\u5426\u7b26\u5408\u6761\u4ef6\u3002 \u6211\u4eec\u786e\u5b9e\u6709\u53ef\u652f\u914d\u6536\u5165\u8ba1\u5212\uff0c\u8be5\u8ba1\u5212\u53ef\u80fd\u5141\u8bb8\u8f83\u9ad8\u7684\u603b\u4f53\u503a\u52a1\u548c\u4f4f\u623f\u6bd4\u7387<\/p>\n \u5982\u9700\u8fdb\u4e00\u6b65\u4e86\u89e3\u6211\u4eec\u7684\u8d37\u6b3e\u8ba1\u5212\u4ee5\u53ca\u60a8\u662f\u5426\u6709\u8d44\u683c\u7533\u8bf7\u6210\u54c1\u4f4f\u5b85\u8d37\u6b3e\uff0c\u8bf7\u62e8\u6253 714-731-8080 \u8054\u7cfb\u6211\u4eec\u7684\u529e\u4e8b\u5904\u3002\u60a8\u4e5f\u53ef\u4ee5\u901a\u8fc7\u7535\u5b50\u90ae\u4ef6\u4e0e\u6211\u4eec\u8054\u7cfb\uff1a info@santiagofinancial.com<\/p>\n <\/p>\n\n