{"id":9297,"date":"2019-09-11T13:42:57","date_gmt":"2019-09-11T13:42:57","guid":{"rendered":"https:\/\/kenyahomes.co.ke\/blog\/?p=9297"},"modified":"2019-09-13T08:14:12","modified_gmt":"2019-09-13T08:14:12","slug":"what-you-need-to-know-about-helb-and-home-buying","status":"publish","type":"post","link":"https:\/\/kenyahomes.co.ke\/blog\/what-you-need-to-know-about-helb-and-home-buying\/","title":{"rendered":"What You Need To Know About Helb and Home Buying"},"content":{"rendered":"\n

Student loans can limit you from doing a lot as a youth because you have to pay it off. However, can you manage to pay a mortgage with your Helb loan still pending? <\/p>\n\n\n\n

But like many millennials, you may also want to buy your first home. This financial goal is a rite of passage for many Kenyans, but those with Helb debt may be left wondering how their debt will affect their ability to buy a home. <\/p>\n\n\n\n

We explore if it\u2019s better to save for a down payment or pay off student loans first\u2014or how you may be able to do both.<\/p>\n\n\n\n

Should I Save for a Down Payment or Pay Off My Helb Loan?<\/strong><\/h5>\n\n\n\n

The right financial move for you depends on a few factors, but most importantly, your debt-to-income ratio. Your debt-to-income ratio is the amount of your monthly income that does toward paying your debt. This can include credit card debt, a car loan, and student loan debt.<\/p>\n\n\n\n

Keep in mind that there are two types of debt-to-income ratio: front-end, and back-end. Front-end is calculated by estimated housing costs (i.e., your mortgage payment and insurance) divided by gross income. <\/p>\n\n\n\n

The back-end is the percentage of your gross income that goes housing costs, plus other debts, like credit cards, car loans, and student loans. Mortgage lenders generally look for a back-end debt-to-income ratio of 36% or less, though the SACCOs will accept a DTI as high as 50%.<\/p>\n\n\n\n

Calculate Your Debt to Income Ratio<\/strong><\/h4>\n\n\n\n

If your debt-to-income ratio isn\u2019t up to par just yet, focus on paying off your Helb to lower your debt-to-income ratio, and then apply for another mortgage down the line. You could also save up money for a larger down payment, which will decrease your necessary mortgage amount, in which case, your debt-to-income ratio may not be a sticking point.<\/p>\n\n\n\n

One study found that the average university graduate with student loan debt would be unlikely to qualify for a mortgage due to their debt-to-income ratio. It also found that half of those with student loan debt had a debt-to-income ratio of 49%, well above the suggested ratio.<\/p>\n\n\n\n

Before deciding which path you\u2019d rather take, calculate your debt-to-income ratio and see if obtaining a mortgage with your current student loan debt is doable.<\/p>\n\n\n\n

If your debt-to-income ratio is not within the acceptable range for a mortgage, then you\u2019ll need to focus on paying off your student (and other) debt before getting a mortgage. Once your debt-to-income ratio is lower, you can revisit.<\/p>\n\n\n\n

If your debt-to-income ratio is acceptable to mortgage lenders, then you may want to start saving for a down payment first, while also paying on your student loans. Read on to learn how you can do both.<\/p>\n\n\n\n

How You Can Do Both<\/strong><\/h4>\n\n\n\n

Perhaps your timeline to buy a new home isn\u2019t as flexible and you can\u2019t wait to pay off your Helb loan first. Or maybe you\u2019d prefer to work toward both financial goals simultaneously, and your debt-to-income ratio isn\u2019t an issue. <\/p>\n\n\n\n

Saving up for a down payment and paying off your student loans at the same time is doable.<\/p>\n\n\n\n

Start with a budget. Cut any optional spending, from wifi to happy hours with friends, even shopping for clothing. After you\u2019ve made all your non-discretionary spends, like groceries, rent, and utilities, split the rest between your down payment fund and your Helb loan payments.<\/p>\n\n\n\n

You may want to allocate a bit more to one debt. For example, if you have a credit card with a high-interest rate, focus on paying that off first. Then, put the money saved on interest toward your down payment and your other debt, including student loan debt.<\/p>\n\n\n\n

Other tips to work toward both goals at the same time\u2014put the funds for your down payment in a separate or hard-to-access bank account, so you won\u2019t be tempted to spend it. <\/p>\n\n\n\n

Have both your monthly savings goal and your Helb loan payment automatically deducted from your checking account each month. Or work on refinancing and consolidating your student loans to get a better interest rate or payment plan.<\/p>\n\n\n\n

When deciding whether to pay off your Helb or save up for a down payment, many factors\u2014such as other debt, your credit score, and the interest rates on both your student loans and your mortgage\u2014will play into your decision.<\/p>\n","protected":false},"excerpt":{"rendered":"

Student loans can limit you from doing a lot as a youth because you have to pay it off. However, can you manage to pay a mortgage with your Helb loan still pending?  But like many millennials, you may also want to buy your first home. This financial goal is a rite of passage for […]<\/p>\n","protected":false},"author":1,"featured_media":9310,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":"","footnotes":""},"categories":[29],"tags":[],"class_list":{"0":"post-9297","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-financing"},"yoast_head":"\nWhat You Need To Know About Helb and Home Buying - Kenya Homes<\/title>\n<meta name=\"description\" content=\"Have both your monthly savings goal and your Helb loan payment automatically deducted from your checking account each month.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kenyahomes.co.ke\/blog\/what-you-need-to-know-about-helb-and-home-buying\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What You Need To Know About Helb and Home Buying - 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