Ukuthi Ayikho Imali Ebolekiwe Ye-PMI Jumbo Engakusiza Kanjani Ukuvikela Imali Ebolekiwe Enkulu

Uma ubheka ukuthenga indawo enenani eliphezulu, ungase uzithole ucabangela i-Jumbo Loan ukuze ukhokhele ukuthenga kwakho ikhaya. Uma kubhangqwe ne-aHhayi Pmiinketho, i-Jumbo Loan ithandeka nakakhulu kubathengi abafuna izindlu ezinkulu. Kulesi sihloko, sizongena ezinzuzweni ze-No PMI Jumbo Loans nokuthi kungani ziyisinqumo esihle kubathengi abaningi emakethe yezindlu nezindlu namuhla.

Iyini i-No PMI Jumbo Loan?

Imali mboleko ye-No PMI iyimali ebolekiwe engadingi i-Private Mortgage Insurance (PMI). I-PMI iyadingeka uma umboleki enza inkokhelo engaphansi kuka-20% emalini ebolekiwe evamile, ivikela umebolekisi uma kwenzeka lowo obolekayo ehluleka ukukhokha intela. Kodwa-ke, nge-No PMI Jumbo Loan, abathengi bangagwema lezi zindleko ezengeziwe zanyanga zonke, okwenza kube lula ukuphatha amanani emalimboleko amakhulu.

I-Jumbo Loans, eyeqa imikhawulo yemalimboleko evumelanayo ebekwe yi-Federal Housing Finance Agency (FHFA), isetshenziselwa Izikweletu Ezinkulu futhi ngokuvamile idinga izikolo eziphezulu zezikweletu kanye nezinkokhelo ezinkulu eziphansi. Uma uthenga indawo enezinga eliphezulu, ungase udinge i-Jumbo Loan futhi ungase uzuze kunketho ethi Akukho PMI uma ufuna ukugcina izinkokhelo zakho zezindlu ezibolekiwe zithengeka kakhudlwana.

Izinzuzo ze-No PMI Jumbo Loans

Inzuzo ebaluleke kakhulu ye-No PMI Jumbo Loan amandla okunciphisa izinkokhelo zanyanga zonke. I-Traditional Jumbo Loans ivamise ukuza nezinkokhelo eziphakeme zanyanga zonke ngenxa yezindleko ze-PMI. Ngokukhetha i-No PMI loan, ungagwema lezi zindleko ezengeziwe futhi wonge amakhulu noma izinkulungwane zamadola ngonyaka.

Ngaphezu kwalokho, Ayikho Imali Ebolekiwe ye-PMI Jumbo engakuvumela ukuthi ubeke imali yakho eyengeziwe kubhalansi eyinhloko yemali mboleko yakho, kusheshise inkokhelo ye-pro.LEZIs. Lokhu kuwusizo ikakhulukazi kubathengi be-Large Mortgages, njengoba ngokuvamile bebhekana nezilinganiso zenzalo ephakeme kanye namabhalansi amakhulu emali mboleko. Ngokungakhokhi i-PMI, ungakwazi ukukhokha imali mboleko yakho ngokushesha futhi unciphise yonke inzalo ekhokhwa ngokuhamba kwesikhathi.

Isebenza Kanjani Imalimboleko Ye-PMI Jumbo Esebenza

Ezimweni eziningi, i-Jumbo Loans idinga okungenani inkokhelo ephansi engu-20%, kodwa abanye ababolekisi banikeza izinketho ze-No PMI ngenkokhelo ephansi efinyelela ku-10-15%. Nakuba lezi zinketho zingahluka kuye ngomboleki, umqondo we-No PMI Jumbo Loans uwukusiza abathengi bezindlu benani eliphezulu bagweme izindleko ezengeziwe ze-PMI, ngaphandle kokudela amanani emalimboleko adingekayo ukuze bathenge indawo abayifunayo.

Kulabo abafuna Izikweletu Ezinkulu, lokhu kungaba inzuzo ebalulekile. Njengoba amanani ezindlu eqhubeka nokukhuphuka ezindaweni eziningi, ikakhulukazi ezimakethe ezifana neCalifornia noma eNew York, ukufinyelela ku-No PMI Jumbo Loans kungehlisa kakhulu izindleko zokuboleka futhi kwenze kube lula kubathengi ukungena emakethe yezindlu zikanokusho.

Okucatshangwayo Ngaphambi Kokufaka Isicelo Semalimboleko Ye-Jumbo Ye-No PMI

Yize I-No PMI Jumbo Loans iyindlela enhle kakhulu kubathengi abaningi, ingase ingafaneli wonke umuntu. Ngenxa yokuthi lezi zimali mboleko zibandakanya amanani amakhulu emali, ngokuvamile zidinga izikolo ezinhle kakhulu zezikweletu, umlando oqinile wezezimali, kanye nenkokhelo ephansi. Ukwengeza, iJumbo Loans imvamisa iza namazinga enzalo aphezulu uma kuqhathaniswa nemali mboleko evamile.

Ngaphambi kokufaka isicelo se-No PMI Jumbo Loan, kubalulekile ukuqinisekisa ukuthi isimo sakho sezezimali sihambisana nezidingo. Ukubonisana nochwepheshe we-mortgage kungakusiza ukuthi unqume ukuthi lolu hlobo lwemali mboleko luyindlela engcono kakhulu yokuthenga ikhaya lakho.

Isiphetho

I-No PMI Jumbo Loan ingaba ithuluzi elinamandla lalabo abafuna Izindlu Ezinkulu futhi abafuna ukugwema izindleko ezengeziwe Zomshwalense Wezindlu Ezizimele. Ngokulondoloza izindleko ze-PMI, unganciphisa izinkokhelo zakho zenyanga zonke futhi ugxile ekukhokheleni imali oyibolekile ngokushesha. Uma usemakethe yekhaya elinenani eliphezulu, cabanga ukuhlola i-No PMI Jumbo Loans ukuze wenze imali yakho ebolekiwe ilawuleke futhi ithengeke. Njengenjwayelo, qiniseka ukuthi uthintana nomeluleki wemali mboleko ukuze uthole izinketho ezingcono kakhulu zokubolekwa kwezidingo zakho.