Inwetshiwe I-Doc Jumbo Egcwele - Ukuvula Izixazululo Zenani Lempahla Yezindlu Zenani Eliphezulu

Ukuzulazula emhlabeni wezindlu ezibolekiwe kungazizwa kukhungathekile, ikakhulukazi uma impahla yakho yamaphupho idlulaImikhawulo Yemalimboleko Evamile. Faka iKunwetshwe Idokhumenti Egcwelejumbo, inketho yokuxhasa ngezimali eyi-premium evela ku-AAA Capital Investment, Inc. ebhekelela ababolekayo abafuna izikweletu ezinkulu ezinokuguquguquka okuyingqayizivele. Noma ngabe uthenga i-condo kanokusho noma indawo enamayunithi amaningi, lokhuI-AUS Jumboumkhiqizo ukhulisa ukusebenza kahle kwe-Automated Underwriting Systems (AUS) ukuze ilethe izimvume ezisheshayo, ezinokwethenjelwa ngaphandle komthwalo wokulungisa ngokweqile noma izimfuneko zekhredithi eziqinile.

Esinye sezici ezibaluleke kakhulu ze-Kunwetshwe I-Doc Jumbo Egcweleukufinyeleleka kwayo kubaboleki ngeInani eliphakeme kakhulu lama-FICOUmphumela. Nakuba imali ebolekiwe ye-jumbo evamile ivame ukufuna ikhredithi emsulwa—imvamisa amaphuzu e-FICO angu-700 noma ngaphezulu—lo mkhiqizo unikeza ukukhululeka, inqobo nje uma kuhlangatshezwana nezinye izindlela zokufaneleka. Imataniswe nesikhathi esingenani seminyaka eyisikhombisa sesizini semicimbi emikhulu ehlambalazayo njengokuqothuka noma ukuvalwa (ngokwemihlahlandlela ye-Matrix), ivulela ababoleki iminyango ukuze bakhe kabusha amaphrofayela abo ezezimali. Ngokwesibonelo, umuntu obolekayo onamaphuzu e-FICO eminyakeni engu-600 ephansi, imali engenayo engaguquki, kanye nomlando wokukhokha wakamuva ohlanzekile usengakwazi ukuvikela imali ebolekiwe engu-$1.8 million yendawo yokuhlala eyinhloko—okuyisenzo esicishe singenzeki ngeminikelo evamile.

Ukuguquguquka kohlobo lwesakhiwo kungolunye uphawu lwale mali mboleko. Ngokungafani nababolekisi abaningi abaphoqelela ukulungiswa kwentengo yama-condos noma izakhiwo zamayunithi angu-2-4, i-Kunwetshwe I-Doc Jumbo EgcweleiziciAkukho Ukulungiswa kwamayunithi e-Condo/2-4. Lokhu kusho ukuthi ababoleki ababhekananga nezindleko ezengeziwe noma izithiyo lapho bexhasa lezi zinhlobo zezakhiwo, okuyenza ilungele abathengi basemadolobheni noma abatshalizimali. Ngokombiko wango-2024 ka-Zillow, ukuthengiswa kwama-condo emadolobheni amakhulu ase-US njengeNew York ne-San Francisco kukhuphuke ngo-12%, okubonisa ukukhula okukhulayo kwezakhiwo ezinjalo. Ngalo mkhiqizo, umthengi angaxhasa ngezimali i-triplex engu-$2 million ngaphandle kokukhathazeka ngamanani akhuphukile ngenxa yokuhlukaniswa kwezakhiwo.

Umgogodla wale mali yokuboleka ukuthembela kuyoI-AUS Jumboubuchwepheshe. Ngokuthobelana nezindinganiso zeDesktop Underwriter (DU) noma Zomeluleki Womkhiqizo Wemalimboleko (LPA), imali mboleko iqinisekisa ukubhalwa phansi okungaguquki kwemali engenayo, impahla, nekhredithi. Lokhu kuyinzuzo enkulu kubaboleki abanamaphrofayela ezezimali ayinkimbinkimbi—cabanga abantu abazisebenzayo abasebenzisa izimpahla zebhizinisi ukuze bakhokhe kancane (ngemihlahlandlela ye-Ejensi) noma labo abathembele emalini engenayo ye-RSU. Kodwa-ke, i-Matrix ayifaki imithombo yemali engenayo eguquguqukayo njengenzuzo yemali noma i-cryptocurrency, igcina igxile ekuzinzeni.

Ukufaneleka kuqondile kodwa kunembile. Izakhamizi zase-US, izakhamuzi ezihlala unomphela, kanye nabafokazi abangahlali unomphela abanezindawo zokuhlala ezisemthethweni bangafaka isicelo, kuyilapho abantu bangaphandle nabamangaleli bengabandakanywa. Inani eliphakeme lemalimboleko lifinyelela ku-$2,000,000 nge-DTI engu-50% yezindawo zokuhlala eziyinhloko, lehla laya ku-45% kwezinye izimo. Izimpahla kufanele zihambisane nesipho se-AUS nemithetho yediphozithi enkulu, futhi izimali ezigciniwe zebhizinisi azikhawulelwe, okuqinisekisa indlela ehlelekile yokuxhasa ngemali.

Ukuze kuhlolwe, iKunwetshwe I-Doc Jumbo Egcweleidinga ukulinganisa okukodwa okugcwele kokuthenga okungafika ku-$3,000,000, kanye nezimbili zokuthola kabusha imali okudlula u-$2,000,000, okuqinisekisa izilinganiso ezinembile. Ngokuvunyelwa kwezindawo ezixhaswe ngezimali ezifinyelela kwezingu-10, kuwukukhetha okuguquguqukayo kubatshalizimali abangomakadebona. Imikhawulo eqondene nombuso, njengokungasebenzi kahle kwe-Texas 50(a)(6) refinances, iyasebenza, kodwa isikhalazo esibanzi somkhiqizo sihlala sinjalo.

Emakethe lapho ukuguquguquka nokufinyeleleka kubalulekile, iKunwetshwe I-Doc Jumbo Egcweleuyagqama. YakhoInani eliphakeme kakhulu lama-FICOukubekezela,Akukho Ukulungiswa kwamayunithi e-Condo/2-4, futhiI-AUS Jumboukusebenza kahle kuyenza ibe inketho yezinga eliphezulu kubaboleki ababonayo. Ulungele ukuxhasa ngezimali umnyakazo wakho omkhulu olandelayo? I-AAA Capital Investment, Inc. ilapha ukuze ikuqondise zonke izinyathelo zakho.