08/23/2023

Ukuqonda Izikweletu Ze-Jumbo: Izincazelo Nokufaneleka

I-Jumbo loans, noma i-Jumbo Mortgages, inikezela ngamanani emalimboleko aphezulu ezimpahleni ezeqa imikhawulo ejwayelekile yemalimboleko ebekwe yi-Federal Housing Finance Agency (FHFA).Uma uthenga ikhaya elinenani elingaphezu komkhawulo wemalimboleko endaweni yangakini, kungase kudingeke ukuthi ucabangele i-jumbo loan.Ababoleki ngokuvamile banemali engenayo ephezulu ukuze bakhokhe izinkokhelo zenyanga eziphakeme zezindlu ezihambisana nalolu hlobo lwemali mboleko.

Lapho ufaka isicelo semali mboleko ye-jumbo, kunemibandela embalwa ovame ukudinga ukuhlangabezana nayo:
1. Izikolo eziphezulu zekhredithi: Ngenxa yenani elikhulu lemalimboleko, amaphuzu aphezulu esikweletu ngokuvamile ayadingeka.Isikolo esithile singahluka ngombolekisi nangesifunda, kodwa ngokuvamile sidinga ukuba ngu-720 noma ngaphezulu.

2. Isilinganiso esiphansi sesikweletu semali engenayo: Ababoleki ngokuvamile badinga isilinganiso sesikweletu semali engenayo (DTI) esingaphansi kwama-43%.Lokhu kusho ukuthi izinkokhelo zakho zenyanga zonke zezikweletu (okuhlanganisa nempahla yakho yendlu ongase ube nayo, imali mboleko yezimoto, imali mboleko yabafundi, nezinkokhelo zekhadi lesikweletu) kufanele zibe ngaphansi kwama-43% omholo wakho wanyanga zonke.

3. Ukonga okwanele: Ngenxa yenani eliphezulu lemalimboleko, ababolekayo ngokuvamile kudingeka babe nemali engenayo eyanele noma ukonga (ukheshi, amasheya, amabhondi, njll.) ukuze bakhokhele imali mboleko izinyanga ezimbalwa esikhathini esizayo.

4. Ukuhlolwa kwekhaya: Ngesakhiwo ohlose ukusithenga, ababolekisi ngokuvamile bazodinga ukuhlolwa kwekhaya ukuze baqinisekise ukuthi inani lemalimboleko alidluli inani langempela lendlu.

Ukwengeza, ungase udingeke ukuthi wenze iphesenti elithile lenkokhelo ephansi.Ngemalimboleko evamile, lokhu kungaba noma yikuphi ukusuka ku-3% kuya ku-20%.Kodwa-ke, ngemali mboleko ye-jumbo, ungadinga ukubeka phansi u-20% kuya ku-30%, noma ngaphezulu.I-AAA LENDINGS inikeza aI-Doc Jumbo epheleleumkhiqizo onesikhathi sokukhokha esingaguquki seminyaka engama-30 kanye nenkokhelo ephansi engu-15% kuphela (enamaphuzu amancane esikweletu angama-720), kanye nenani eliphansi lesikweletu elifinyelela ku-660 ngenani eliphakeme lemalimboleko elingu-$2,000,000.

Nakuba imali ebolekiwe ye-jumbo ingase ifike namazinga enzalo aphezulu kanye nezidingo eziqinile, inikeza inketho kulabo abafuna ukuthenga indawo endaweni ebiza kakhulu.Uma ukwazi ukuhlangabezana nezidingo futhi ukwazi ukukhokhela izinkokhelo zanyanga zonke, ukubolekwa imali kwe-jumbo kungaba ukukhetha okusebenzayo.

Ukukhetha Isikhathi Esifanele Sokubolekwa Kwezindlu: Izinto Nezincomo

Ukukhetha isikhathi se-mortgage yakho kuyisinqumo esibalulekile enqubweni yemalimboleko.Imigomo ehlukene ingathinta izinkokhelo zakho zanyanga zonke, izilinganiso zenzalo, kanye nenani eliphelele lokukhokha.Lapho ukhetha isikhathi se-mortgage, cabangela amaphuzu alandelayo:

1. Inkokhelo yanyanga zonke: Imigomo emifushane yemalimboleko (njengeminyaka engu-15) ngokuvamile isho izinkokhelo zanyanga zonke eziphakeme, kodwa isamba senzalo esikhokhiwe.Imigomo emide yemalimboleko (efana neminyaka engama-30) isho izinkokhelo eziphansi zanyanga zonke, kodwa isamba senzalo esengeziwe esikhokhiwe.Udinga ukunquma ukuthi yini ongakwazi ukuyikhokhela inyanga ngayinye ngokusekelwe esimweni sakho sezezimali.

2. Izinga lenzalo: Imigomo emifushane yemalimboleko ngokuvamile iza namazinga enzalo aphansi.Nakuba izinkokhelo zanyanga zonke zemali mboleko yesikhathi esifushane ziphezulu, izinga lenzalo eliphansi lingasho ukonga sekukonke.

3. Ukuzinza kweholo: Uma uneholo elizinzile, ungakwazi ukusingatha izinkokhelo eziphakeme zenyanga futhi ungase ucabangele imalimboleko yesikhathi esifushane.Uma iholo lakho lingazinzile noma lingaqinisekile, imalimboleko yesikhathi eside ingaba ngcono njengoba izinkokhelo zanyanga zonke ziphansi.

4. Imigomo yezezimali: Uyafuna ukukhokha imali ebolekiwe ngokushesha ngangokunokwenzeka?Lokho kuzothinta isikhathi semalimboleko oyikhethayo.Uma uhlose ukuba ngumnikazi wendlu yakho ngokuqondile ngokushesha ngangokunokwenzeka, i-mortgage yesikhathi esifushane ingase ifaneleke kakhulu.Kodwa uma ufuna ukugcina i-liquidity futhi wonge imali yolunye utshalomali, imalimboleko yesikhathi eside ingase ifaneleke kakhulu.

5. Izinhlelo zokuthatha umhlalaphansi: Uhlela ukuwuthatha nini umhlalaphansi?Ingabe ufuna imali yakho yokubolekwa imali ikhokhwe ngaleso sikhathi?Uma ufuna ukungaboleki ngokuthatha umhlalaphansi, ungase ukhethe isikhathi semalimboleko ozosikhokha ngaphambi kokuba uthathe umhlalaphansi.

6. Izimo zemakethe: Ingabe izinga lenzalo yemakethe yamanje liphezulu noma liphansi?Kungase kube yinzuzo enkulu ukukhiya imali ebolekiwe yesikhathi eside lapho amanani enzalo ephansi.

Imiphumela Yokuzenzakalelayo Kwemali Ebolekiwe

Noma ngabe kuyimalimboleko evamile noma enkulu, ukungakhokhi kuyindaba ebucayi futhi kufanele igwenywe uma kungenzeka.Uma wehluleka ukubuyisela imali yakho ebolekiwe kabusha, ungase ubhekane nemiphumela elandelayo:

Ukulimala kwamaphuzu esikweletu: Ukungakhokhi kungalimaza kakhulu amaphuzu akho esikweletu, kuthinte izicelo zekhredithi zesikhathi esizayo.
Ukuvalwa: Uma uqhubeka nokungakhokhi, ibhange lingase likhethe ukulidla futhi lidayise ikhaya lakho ukuze libuyisele isikweletu salo.
Izinkinga zomthetho: Ungase futhi ubhekane nesinyathelo somthetho ngenxa yokungakhokhi.

Sengiphetha, izikweletu ze-jumbo zinikeza amathuba ezimakethe zezindlu zenani eliphezulu, kodwa kufanele kuqashelwe lapho kufunwa imali enjalo.Kufanele uqonde imibandela yokufaneleka, ukhethe isikhathi esifanele semali mboleko yendlu, futhi uqonde ngokugcwele imiphumela yokuzenzakalelayo yemali mboleko.

Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.