Yeka ukuthi Izikolo ze-FICO Eziphansi Zamukelwa Kanjani Kumalimboleko Ye-Jumbo

Kwabaningi abangase bathenge izindlu, umqondo wokuthola i-Jumbo Loan ngeInani eliphakeme kakhulu lama-FICOamaphuzu abukeka njengomsebenzi onzima. Izimali mboleko ze-Jumbo zivame ukuhlotshaniswa nezidingo eziqinile zamaphuzu esikweletu, kodwa ngenxa ye-Low FICO ok yoHlelo Lwemalimboleko ye-Jumbo, ababoleki abanamaphuzu esikweletu aphansi basengakwazi ukuthola lezi zimalimboleko zenani eliphezulu.

I-Jumbo Loan isetshenziselwa izakhiwo ezeqa imingcele evamile yokubolekwa kwemali evumelanayo. Lezi zimali mboleko zinkulu ngosayizi futhi ngokuvamile zidinga umlando oqinile wesikweletu. Kodwa-ke, i-Low FICO ok ye-Jumbo Loan Programme ivumela abantu abanamaphuzu aphansi e-FICO ukuthi bafanelekele i-Jumbo Loan ngaphandle kokuhlangabezana nezidingo zamaphuzu aphezulu esikweletu.

Isici esiyinhloko salolu hlelo ukuguquguquka kwalo. Nakuba izinhlelo eziningi ezijwayelekile ze-Jumbo Loan zidinga amaphuzu esikweletu okungenani angu-700 noma ngaphezulu, i-Low FICO ok yoHlelo Lwemalimboleko ye-Jumbo ingase yamukele amaphuzu esikweletu ngeminyaka yama-600s. Lokhu kunikeza ithuba elihle kakhulu labo okungenzeka bake babhekana nezinkinga zezimali esikhathini esidlule, njengezikweletu zezokwelapha, ukulahlekelwa umsebenzi, noma ezinye izinselele, kodwa manje abasesimeni esinamandla ngokwezimali.

Ngaphandle kwezikolo eziphansi ze-FICO, ababolekisi ku-Low FICO ok ku-Jumbo Loan Programme baphinde babheke ezinye izici ezibalulekile, njengesilinganiso sesikweletu somboleki neholo, ukonga, kanye nenkokhelo ephansi. Kwezinye izimo, inkokhelo ephansi enkulu inganxephezela amaphuzu esikweletu aphansi, kusize ababolekayo ukuthi bavikele i-Jumbo Loan abayidingayo ukuze bathenge ikhaya elinenani eliphezulu.

Kubathengi abanezikolo eziphansi ze-FICO, i-Low FICO ok ye-Jumbo Loan Program iyindlela enhle kakhulu yokwenzaLEZIs ukuxhasa ngezimali izindlu zikanokusho noma izakhiwo zokutshalwa kwezimali. Imihlahlandlela yohlelo eguquguqukayo kanye nokugxila esimeni sezimali sisonke somboleki kwenza kube lula ngabantu ukuba bafanelekele lezi zimali mboleko ezinkulu, ngisho nalapho bekunezinselelo zesikweletu esikhathini esidlule.

Sengiphetha, i-Low FICO ok ye-Jumbo Loan Programme inikeza ithemba kwabaningi abazoba ngabanikazi bezindlu okungenzeka bangafinyeleli izimfuneko zesikolodo ezivamile ze-Jumbo Loans. Ngokucabangela izici ezingaphezu kwesikolo se-Low FICO, lolu hlelo luvula iminyango yokuxhasa ngezimali obekungeke kufinyeleleke kubantu abaningi. Uma usemakethe yekhaya lenani eliphezulu futhi unesikolo esiphansi se-FICO, lolu hlelo lungaba yisixazululo esiphelele kuwe.