11/15/2023

Uhambo oluya kubanikazi bezindlu kulabo abanamaphuzu aphansi e-FICO ngokuvamile lungazwakala njengempi ekhuphukayo, ikakhulukazi uma ubuka amakhaya kanokusho ezimakethe ezincintisanayo.Izimalimboleko ezigcwele ze-Doc Jumbo zisebenza njengendlela ebalulekile yokuphila kulaba bathengi, zibanikeze ithuba lokuthenga izakhiwo zenani eliphezulu.Emadolobheni afana ne-Los Angeles, lapho amanani ezindlu ezithengiswayo ekhuphuka ngaphezu kwemikhawulo evamile yokubolekwa kwemali,I-Doc Jumbo epheleleimali mboleko ayizuzisi nje kuphela kodwa ibalulekile kubathengi abanemilando yezikweletu engaphelele.

Ukuqonda iJumbo Loans

Imali mboleko ye-Jumbo, njengoba negama libonisa, ibhekelela izidingo zezimali zezakhiwo ezinenani elingaphezu komkhawulo obekwe amabhizinisi axhaswe uhulumeni njengoFannie Mae noFreddie Mac.Lo mkhawulo uvame ukubizwa ngokuthi umkhawulo wemalimboleko ovumelanayo, othi, ezindaweni eziningi zase-United States, ubekwe ku-$647,200.Kodwa-ke, ezindaweni ezibiza kakhulu njengeLos Angeles,I-Doc Jumbo epheleleimali ebolekiwe ingakwazi ukuxhasa ngezimali izakhiwo ezisukela ku-$400,000 ukuya ezigidini ezifinyelela ku-$4.0, inikeze isixazululo esidingeka kakhulu kubathengi bezindlu abawubukhazikhazi.

I-Nitty-Gritty ye-Full Doc Jumbo Loans
Uma kufikaI-Doc Jumbo epheleleimali mboleko, ukunaka imininingwane kubaluleke kakhulu.Ababolekisi badinga imibhalo ephelele ukuze bahlole impilo yezezimali yomboleki, okuhlanganisa imali engenayo, izimpahla, futhi, okubalulekile, izikolo ze-FICO.Igama elithi 'Idokhumenti Egcwele' ligcizelela izinga lemininingwane edingekayo kunqubo yokubhala, okuthi kulabo abanamaphuzu aphansi e-FICO, iba baluleke nakakhulu ukuze bathole ukufaneleka kwabo kwekhredithi.

Imininingwane yababoleki besikolo esiphansi se-FICO
Ababoleki abanamaphuzu aphansi e-FICO, ngokuvamile ngaphansi komkhawulo ka-740, bangazithola bebhekene nezindleko ezengeziwe uma kuziwaI-Doc Jumbo epheleleizikweletu.Ngokwesibonelo, ngokweshidi lezilinganiso, obolekayo onamaphuzu e-FICO aphakathi kuka-660 no-679 angabona izindleko ezengeziwe zamaphuzu angu-1.250 kuya kwangu-2.500 Kumalimboleko Eyengeziwe Yeminyaka engama-30 Ye-Jumbo.Lokhu kusho ukuthi emalini ebolekiwe engu-$1.5 million, lowo obolekayo angase abheke izindleko ezengeziwe ezisukela ku-$18,750 kuya ku-$37,500, okuthinta kakhulu izindleko zizonke zemboleko.

Ukulungiswa Kwentengo Kwamabhendi Ahlukahlukene e-FICO
Ukulungiswa kwentengo yeI-Doc Jumbo epheleleimali ebolekiwe ichazwa ngokucacile ngamaphuzu e-FICO namaphesenti e-Loan-to-Value (LTV).Njengoba kubonisiwe kudokhumenti, ukulungiswa kungahluka kakhulu ngokusekelwe kumabhendi wamaphuzu esikweletu.Kumboleki onesilinganiso esiphezulu se-FICO esingaphezu kuka-780, ukulungiswa kwentengo akukho noma kuncane, kuyilapho labo abanamaphuzu kuma-600s aphansi bangase bazithole bebhekene nezindleko ezengeziwe ezikhuphuka kakhulu.

Isibonelo, ake sicabangele umuntu ongase abe umthengi ebheka i-condo kanokusho enenani lika-$2 wezigidi e-Los Angeles.Uma umthengi enesikolo se-FICO ebangeni lika-720-739 futhi ekhetha i-Expanded 30 Yrs Fixed Jumbo loan, angase ahlangabezane nokulungiswa kwentengo kwamaphoyinti angu-0.500, okuhumushela ku-$10,000 eyengeziwe ezindlekweni zabo zemalimboleko.

Lo mbhalo uphinde uqokomise ukucatshangelwa okukhethekile, njengesigatshana esithi izimpahla ezivela e-China azamukeleki, okuhlanganisa nezipho.Lokhu kungase kuhlobane ngokukhethekile kubathengi bamazwe ngamazwe noma labo abathembele emalini yaphesheya ukuze bathenge ikhaya.

Ukuzulazula Izilinganiso Eziningi Zokubolekwa-ku-Value
Ngaphezu kwalokho, ishidi lemalimboleko licacisa ukuthi i-Maximum Loan-to-Value (LTV) noma i-Combined Loan-to-Value (CLTV) ingase yehliswe ngo-5% uma umbiko wokuhlola ubonisa ukwehla kwevelu yemakethe.Lokhu kugcizelela ukubaluleka kwamathrendi ezindawo ezithengiswayo kanye nokulinganisa kwemakethe ngemibandela yemalimboleko, ikakhulukazi yeI-Doc Jumbo epheleleimali ebolekiwe ebhekelela ingxenye yekhaya eliwubukhazikhazi.

Ekuphetheni
Kubathengi bezindlu abaphambili abanezikolo eziphansi ze-FICO, imalimboleko ye-Full Doc Jumbo inikeza indlela esebenzayo yokuba umninikhaya, nakuba kunezindleko ezengeziwe ezibonisa ubungozi obuhlobene nezilinganiso zezikweletu eziphansi.Ukuqonda imininingwane yalezi zimali mboleko, kusukela kumazinga enzalo kuya ekulungisweni kwentengo okusekelwe kumabhendi e-FICO/LTV, kubalulekile ekwenzeni isinqumo unolwazi.Isimo sokuboleka singase sibe nzima, kodwa ngolwazi olulungile kanye nesiqondiso, ukuthola imali ebolekiwe ye-Full Doc Jumbo, ngisho nesikolo esiphansi se-FICO, singafinyeleleka.Abathengi kumele baqaphele la manuances njengoba bezulazula ohlelweni lokuthola imali ebolekiwe efanele isimo sabo sezezimali kanye nezifiso zasekhaya zamaphupho.

Ividiyo:Ukuzulazula Izikweletu Ze-Doc Jumbo Egcwele: Umhlahlandlela Womhlaba Wangempela Wabathengi abanezikolo eziphansi ze-FICO

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.