Uma kuziwa ekutholeni imali mboleko ye-jumbo enamaphuzu aphansi e-FICO, abanikazi bezindlu abaningi abangaba khona bazizwa bekhungathekile. Kodwa-ke, ukuqonda ama-nuances emali mboleko ye-jumbo nokuthi isikolo sakho se-FICO sikuthinta kanjani ukufaneleka kwakho kungavula indlela yokuba umninikhaya, ngisho nangesikweletu esingaphansi kwesiphelele. Kulo mhlahlandlela, sizohlola izinto ezibalulekile zokuthola imali ebolekiwe enenani eliphansi le-FICO.

Iyini i-Jumbo Loan?

I-jumbo loan iwuhlobo lwe-mortgage eyeqa imikhawulo yemalimboleko evumelanayo ebekwe yi-Federal Housing Finance Agency (FHFA). Ezingxenyeni eziningi ze-United States, lo mkhawulo ungu-$726,200, kodwa ungaba phezulu ezindaweni ezibiza kakhulu. Imali mboleko ye-Jumbo yakhelwe izindlu zikanokusho nezakhiwo ezindaweni ezibiza kakhulu lapho imikhawulo ejwayelekile yemalimboleko inganele.

Ukuqonda Izikolo ze-FICO

Isikolo sakho se-FICO siyisici esibalulekile ekunqumeni ukufaneleka kwakho kwe-mortgage. Izikolo zisukela ku-300 kuye ku-850, ngezikolo eziphakeme ezibonisa ukufaneleka okungcono kwekhredithi. Isikolo esiphansi se-FICO, esivame ukubhekwa njengesingaphansi kwama-620, singadala izinselele lapho ufaka isicelo semali mboleko, ikakhulukazi imali mboleko ye-jumbo.

Izinselelo Zokuthola Imali Ebolekiwe Ye-Jumbo Ngesikolo Esiphansi se-FICO

1. Izidingo Eziqinile: Ababolekisi babheka imali ebolekiwe ye-jumbo njengeyingozi ngenxa yobukhulu bayo obukhulu kanye nokuntuleka kokusekelwa nguhulumeni. Ngenxa yalokho, babeka izidingo eziqinile, okuhlanganisa nezikolo eziphakeme zezikweletu.
2. Izinga Lenzalo Ephakeme: Ababoleki abanezikolo eziphansi ze-FICO bavame ukubhekana nezinga eliphezulu lenzalo, okwenza imali mboleko ye-jumbo ibize kakhulu ngokuhamba kwesikhathi.
3. Izinkokhelo Ezinkulu Eziphansi: Ukunciphisa ubungozi, ababolekisi bangadinga izinkokhelo ezinkulu eziphansi ezivela kubaboleki abanezikolo eziphansi ze-FICO. Lokhu kungasukela ku-20% kuya ku-30% yenani lesakhiwo.

Amasu Okuthuthukisa Amathuba Akho

1. Thuthukisa isikolo sakho se-FICO: Ngaphambi kokufaka isicelo semalimboleko ye-jumbo, thatha izinyathelo zokuthuthukisa isikolo sakho se-FICO. Khokhela phansi isikweletu esikhona, gwema imibuzo emisha yezikweletu, futhi uqinisekise ukukhokha ngesikhathi kuwo wonke ama-akhawunti.
2. Khulisa Inkokhelo Yakho Ephansi: Inkokhelo ephansi enkulu inganciphisa ubungozi obubonwa ngababolekisi. Lokhu akuthuthukisi nje kuphela amathuba akho okugunyazwa kodwa futhi kungaholela emigomeni engcono yemalimboleko.
3. Bonisa Ukuzinza Kwezezimali: Ukubonisa iholo elizinzile, ukonga okukhulu, kanye nesilinganiso esiphansi sesikweletu somholo kungasiza ukukholisa ababolekisi ukuthi uyakwazi ukukhokha imali ebolekiwe.

Ezinye Izinketho

Uma ukuthola imali ebolekiwe ngenani eliphansi le-FICO kufakazela inselele, cabangela ezinye izinketho zezimali:

• Imalimboleko ye-FHA: Lezi zimali mboleko ezixhaswe nguhulumeni zinezidingo zekhredithi ezithambile futhi zingaba inketho esebenzayo kulabo abanamaphuzu aphansi e-FICO.
• I-VA Loans: Kumakadebona afanelekayo namalungu esevisi asebenzayo, imali mboleko ye-VA inikeza imigomo yokuncintisana futhi ayidingi amaphuzu aphezulu esikweletu.

Isiphetho

Ukuthola imali ebolekiwe enenani eliphansi le-FICO ngokungangabazeki kuyinselele, kodwa akunakwenzeka. Ngokuqonda izidingo kanye nokuthatha izinyathelo zamasu ukuthuthukisa iphrofayela yakho yezezimali, ungawandisa amathuba akho okuthola imali mboleko oyidingayo. Khumbula, ukubekezela nokuzilungiselela kuyisihluthulelo sokuzulazula enkingeni yemali mboleko ye-jumbo enamaphuzu aphansi e-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.