Chikwereti chako-kusvika-kuwana (DTI) chiyero ndicho chikamu chemari yako yaunowana pamwedzi unoenda kunotora chikwereti chako. Zvakakosha kuti usakanganise chikwereti chako chekuwana chikwereti nechikwereti chako chekushandisa iyo ndiyo chikwereti chaunacho pamusoro pekwereti yako.
Vakawanda vanokweretesa, kunyanya kutenga nekutengesa motokari, shandisa chikwereti chako-kusvika-kuwana mari kuti uone chikwereti chako chaunogona kuita maererano nemari yako yazvino uye mari yaunenge uchishandisa pane chikwereti. Semuenzaniso, chikwereti chikwereti chichashandisa chikwereti chako-kusvika-kuwana mari kuti uwane chikwereti chekubhadhara chikwereti chaunogona kutenga mushure mokunge mamwe madhora ako ega mwedzi abhadhara.
Iwe, iwewo, unogona kuverenga chikwereti chako-kusvika-kuwana mari kuti uone kuti uri kushandisa mari yakawanda sei mwedzi mumwe nomumwe.
01 Zvose Zvikwereti Mwedzi Uno
Chikwereti chako-kusvika-kuwana chikamu chinoverengerwa nokugovana mari yako yemwedzi nemari yako ye mwedzi yemari chikwereti.
DTI = chikwereti chemwedzi nemwedzi / pamwedzi
Nhanho yekutanga pakuverenga chikwereti chako-kusvika-kuwana mari inotarisa kuti unoshandisa mari yakawanda sei mwedzi pane chikwereti.
Kutanga, wedzera zvaunopedza mwedzi mumwe nomumwe pane chikwereti, kusanganisira zvinotevera:
- Mortgage kana renti
- Minimum card card pay
- Mari yechikwereti
- Zvikwereti zvevadzidzi
- Alimony / child support payments
- Zvimwe zvikwereti
Muenzaniso:
Ngatiti Sam ane zvikwereti zvinotevera:
- chikwereti = $ 950
- chikamu chikwereti chikwereti = $ 235
- yemari yemari = $ 355
$ 950 + $ 235 + $ 355 =
Sam chikwereti chemwedzi chairo chekubhadhara = $ 1,540
02 Zvikamu Zvose Zvaunowana Mwedzi Uno
Nhanho inotevera yekugadzirisa chikwereti chako-kusvika-kuwana mari ndeyekuverenga mari yako yemwedzi.
Tanga nekuverenga mari yako yaunowana pamwedzi. Wedzerai mari iyo yamunogamuchira mwedzi mumwe kubva:
- Gross revenue
- Mabhonasi kana nguva inopfuura
- Alimony / child support
- Dzimwe mari
Muenzaniso
Yeuka, Sam anoshandisa $ 1,540 mwedzi mumwe nomumwe pamusoro pemari chikwereti. Izvi ndizvo zvaanogamuchira mumaripo mwedzi mumwe nomumwe.
- Mutengo wegore wegore rose = $ 3,500
- mwana kutsigira = $ 500
Mari inowanikwa gore rose = $ 3,500 + $ 500 = $ 4,000.
Cherechedza: Wedzera mari yevhiki nevhiki ne4 uye bhi-mwedzi wega wega nemari 2 kuti uverenge mari yako yemwedzi. Kana, kana uchiziva mari yako yegore negore, igananisa ne12 kuti uwane mari yako yemwedzi.
03 Tora Chikwereti Chako Kuti Uwane Mari Yakawanikwa
Kana wangoverenga zvaunoshandisa mwedzi mumwe nomumwe pamari chikwereti uye izvo unogamuchira mwedzi woga woga mumari, unayo nhamba dzaunoda kuverenga chikwereti chako kusvika kune purogiramu. Kuti uverenge chiyero chacho, igovera chikwereti chako chemwedzi pamwedzi nemari yako yaunowana pamwedzi. Zvadaro, wedzera chigumisiro che zana kuti uuye nezana.
Muenzaniso
Muchiitiko chedu, chikwereti chaSam chairo chemwedzi chairo che $ 1,540 uye mari yake yemwedzi inosvika $ 4,000. Saka, ngatiparadzanise $ 1,540 ne $ 4,000 uye tigozowedzera ne100.
$ 1540 / $ 4000 = .385 X 100 = 38.5%
Chikwereti cheSam chekuwana mari ndeye 38.5%.
04 Chai Chikwereti Chako Kuti Uwane Maonero Anoreva
Chigumo chako chekupedzisira chichawira kune chimwe chezvikamu izvi.
36% kana kudarika ndiyo inoremekedza chikwereti chevanhu vazhinji. Kana chikwereti chako-kusvika-muhomwe chiri mukati mezera iri, usapinda mune imwe chikwereti kuti uchengete huwandu hwakanaka. Iwe unogona kunge uine dambudziko rekugamuchirwa kuti uite chikwereti uye chiyero chiri pamusoro apa.
37% -42% haisi nhamba yakaipa yekuve nayo, asi inogona kuva nani. Kana uwandu hwehuwandu hwacho huri mune huwandu huno, unofanira kutanga kutapudza zvikwereti zvako .
43% -49% inoratidziro inoratidza zvinetso zvemari. Iwe unotanga kutanga utsinye uchibhadhara zvikwereti zvako kudzivirira chikwereti chakazara mamiriro ezvinhu.
50% kana kupfuura ndeyero inotyisa zvikuru. Izvi zvinoreva kuti zvinopfuura hafu yemari yako inowanikwa kune chikwereti chemari. Iwe unofanirwa kunge uchiripira zvechisimba pamari yako. Usanonoka kutsvaka rubatsiro rwezvenyanzvi .
Muenzaniso
Muchiitiko chedu, chikwereti chaSam chekuwana mari iri 38.5%. Izvi hazvisi zvakaipa, asi zvinogona kuipa kana Sam achiwedzera chikwereti chemwedzi wake pasina kubhadhara mari yake.