Izindaba Zemboni
Ukuzulazula Imalimboleko Enwetshiwe Egcwele Ye-Doc Jumbo Ngezikolo Eziphansi ze-FICO
Ukuthola imali ebolekiwe kungaba yinselele, ikakhulukazi uma ubhekene nezimo zezimali ezihlukile. Kulabo abafuna imali ebolekiwe enenani eliphezulu kodwa abanezikweletu ezingaphansi kokuphelele, baqonde izici zedokhumenti egcwele enwetshiwe.jumboimali mboleko enamaphuzu aphansi e-FICO ibalulekile. Lesi sihloko sizohlola ukuthi yiziphi izikweletu ezinwetshiwe ezigcwele ze-doc jumbo, ukuthi zibamukela kanjani ababolekayo abanezikolo eziphansi ze-FICO, nokuthi yini okudingeka uyazi ukuze uzulazule le nketho yemalimboleko ngempumelelo.
Yiziphi Izimalimboleko Ezandisiwe ze-Doc Jumbo Egcwele?
Izimalimboleko ze-doc jumbo ezinwetshiwe zenzelwe ababoleki abadinga amanani emalimboleko amakhulu adlula imikhawulo yemalimboleko evumelanayo ebekwe u-Fannie Mae noFreddie Mac. Lezi zimali mboleko zidinga amadokhumenti aphelele ukuze kuqinisekiswe imali engenayo yomboleki, izimpahla, nesimo sokuqashwa. Isici "esinwetshiwe" sisho izinkombandlela zokubhala ngaphansi ezivumelana nezimo ezingamela izimo zezimali ezihlukile, okuhlanganisa nalezo ezinezikolo eziphansi ze-FICO.
Ingabe Izikolo Eziphansi ze-FICO Ziyithinta Kanjani Imalimboleko Ye-Jumbo?
Isikolo se-FICO siyisici esibalulekile ekuvunyweni kwe-mortgage, emele ukufaneleka komboleki. Izimalimboleko ze-jumbo zendabuko ngokuvamile zidinga amaphuzu aphezulu esikweletu, ngokuvamile angaphezu kuka-700. Kodwa-ke, imali ebolekiwe egcwele ye-doc jumbo enwetshiwe ithambile, okuvumela ababoleki abanezikolo eziphansi ze-FICO ukuthi baqhubeke bafaneleke. Lokhu kuvumelana nezimo kubalulekile kubantu ngabanye abanemali engenayo eningi kanye nempahla kodwa abahlangabezane nezinselele zekhredithi.
Ufanelekela Ukubolekwa Imali Egcwele Ye-Doc Jumbo Enwetshiwe enezikolo eziphansi ze-FICO
Ukuze ufanelekele ukubolekwa imali egcwele ye-doc jumbo enamaphuzu aphansi e-FICO, ababoleki kufanele banikeze imibhalo enemininingwane, okuhlanganisa:
- Ukuqinisekiswa Kwemali Engenayo: Izinhlamvu zemali,Ukubuyiswa Kwentelas, kanye nama-W-2 ukuze afakazele imali engenayo ezinzile.
- Amadokhumenti Empahla: Izitatimende zasebhange nama-akhawunti otshalomali ukuze kuqinisekiswe izimpahla ezanele.
- Umlando Wokusebenza: Ubufakazi bokuqashwa okungaguquki noma umlando wokuzisebenza.
Ababolekisi abanikeza izikweletu ze-doc jumbo ezinwetshiwe ezinamanani aphansi e-FICO bazocubungula lawa madokhumenti ngokuseduze ukuze banciphise ubungozi obuhlobene nezikolo eziphansi zezikweletu.
Izinzuzo Zemalimboleko Enwetshiwe Egcwele Ye-Doc Jumbo Yababoleki Abaphansi Be-FICO
- Amanani Okubolekwa Aphakeme: Ababoleki bangafinyelela amanani emalimboleko amakhulu kunemalimboleko evamile.
- I-Flexible Underwriting: Imihlahlandlela yokwamukela eyengeziwe yababoleki abanamaphrofayela ezezimali ahlukile.
- Ithuba Lobunikazi Bekhaya: Inika amandla ubunikazi bekhaya kulabo abanemali engenayo ephawulekayo nempahla kodwa izikolo zekhredithi eziphansi.
Izinselelo Nokucatshangelwa
Ngenkathi imalimboleko egcwele ye-doc jumbo eyandisiwe inikeza amathuba, futhi iza nezinselelo:
- Amazinga Enzalo Ephakeme: Ababoleki abanezikolo eziphansi ze-FICO bangase babhekane namazinga enzalo aphezulu.
- Amadokhumenti Aqinile: Izidingo ezibanzi zemibhalo zingadla isikhathi.
- Izinkokhelo Ezinkudlwana Eziphansi: Ababolekisi bangase badinge izinkokhelo ezinkudlwana ukuze baqede ubungozi besikweletu.
Isiphetho
Izimalimboleko ze-doc jumbo ezinwetshiwe ezinamanani aphansi e-FICO zinikeza indlela esebenzayo yokuba umninikhaya kulabo abadinga amanani amakhulu emalimboleko kodwa ababhekene nezinselele zesikweletu. Ngokuqonda izimfuneko nokulungiselela amadokhumenti aphelele, ababoleki bangazulazula le nketho yemalimboleko ngempumelelo. Hlala uthintana nomthengisi wezindlu onolwazi ukuze uhlole izinketho zakho futhi uvikele imigomo engcono kakhulu yesimo sakho sezezimali.
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.