Ukuvula Uxhaso Lwezimali Lwekhaya Lokunethezeka nge-Prime Full Doc Jumbo

Iphupho lokuba nendlu kanokusho e-United States livame ukuza nenani eliphakeme kakhulu, ikakhulukazi ku-Izindawo Ezibiza KakhulunjengeCalifornia, New York, noma iFlorida. Kwabaningi abazoba abathengi, izinketho zendabuko zokubolekwa kwezindlu ziyashoda uma kuziwa ekuxhaseni ngezimali izakhiwo zezigidi zamadola. Yilapho i-PrimeUDokotela OgcweleJumboithatha izinyathelo zokuboleka njengokushintsha igeyimu, enikeza izixazululo eziklanyelwe labo abafunayoimali yekhaya lokunethezekangeamanani amakhulu emalimboleko. Idizayinelwe ukuhlangabezana nezidingo zabantu abanenani eliphakeme, lo mkhiqizo uhlinzeka ngokuvumelana nezimo kanye nemibandela yokuncintisana eyenza ubunikazi bekhaya obusezingeni eliphezulu bufinyeleleke kakhudlwana.

IPrime Full Doc Jumboloan ilungele ababoleka inizindawo ezibiza kakhululapho amanani ezakhiwo evamise ukweqa imikhawulo evamile yokubolekwa imali. Ngokwe-Federal Housing Finance Agency (FHFA), umkhawulo wemalimboleko ovumelana nebhalansi ephezulu yango-2025 ubekwe ku-$1,149,825 ezifundeni ezithile, kodwa imali mboleko ye-jumbo idlulela ngalé kwalokho, ilungiselela ukuthenga ngezigidi. Kungakhathaliseki ukuthi uyisakhamuzi sase-US, umhlali unomphela, noma umhlali ongahlali unomphela onenombolo evumelekile Yokuvikeleka Komphakathi, le mali mboleko ithwala ababoleki abahlukahlukene. Isihluthulelo? Amadokhumenti aphelele emali engenayo nempahla, aqinisekisa ukubeka izinto obala nokwethembeka enqubweni yokuboleka.

Esinye sezici ezivelele ze-Prime Full Doc Jumboyikhono layo lokuxhasa ngezimaliamanani amakhulu emalimbolekongaphandle komthwalo we-private mortgage insurance (PMI). Isibonelo, umboleki othenga umuzi ka-$2.5 wezigidi e-Los Angeles—imakethe ebiza kakhulu—angavikela le mali ebolekiwe ngenkokhelo ephansi efinyelela ku-5% kuya ku-10% wezimali zakhe eziwuketshezi, kuye ngesilinganiso semalimboleko-kuya-value (LTV). Ngama-LTV angu-70% noma ngaphansi, kudingeka u-5% kuphela, kuyilapho ama-LTV aphezulu abiza u-10%. Lokhu kuvumelana nezimo kunikeza abathengi amandla okulondoloza ukugeleza kwemali ngenkathi bengena ezindlini ezithengiswayo zikanokusho.

Ukufaneleka kuncike kuphrofayili yezezimali eqinile. Abahola amaholo abaneholo le-W-2—kungakhathaliseki ukuthi livela emiholweni, amabhonasi, noma amathiphu—bangafaneleka, njengoba kungase kube nabantu abazisebenzelayo abanembuyiselo yeminyaka emibili yentela ebonisa imali engenayo evela kubanikazi bomhlaba oyedwa noma izinkampani. Ngisho nemali engenayo engaqashiwe, njengemali yokuqasha noma impesheni yomhlalaphansi, iyamukeleka ngaphansi kweziqondiso zohlelo ze-Matrix. Isibonelo, usomabhizinisi ozisebenzelayo e-San Francisco angakwazi ukusebenzisa imali yakhe yokuqasha esuka endaweni yesibili kanye neholo lebhizinisi ukuze avikeleke.Prime Full Doc Jumboimali ebolekiwe yefa elingu-$3 million.

Ngaphandle kwemali engenayo, ukufaneleka kwekhredithi kudlala indima ebalulekile. Uhlelo ludinga imigqa yokuhweba emine, okuhlanganisa i-akhawunti eyodwa esebenzayo enomlando wezinyanga ezingu-24, kanye nerekhodi lemali ebolekiwe noma yokuqasha (0x30x12). Lokhu kuqinisekisa ukuthi ababolekayo bangeneizindawo ezibiza kakhulu-lapho izibalo zezezimali ziphakeme-bonisa ukwethembeka. Ukwengeza, ukulinganisa kufanele kubonise izimo zemakethe zamanje, ezinezakhiwo ezimakethe ezinciphayo (zehla ngo-5.01% noma ngaphezulu) ngaphansi kokwehliswa kwe-LTV ngo-5%, kuvikelwe kokubili obolekisayo kanye nomboleki.

IPrime Full Doc Jumboakukhona nje ngezinombolo—imayelana nokuvula iminyango yezindlu ezithengiswayo ezikhethekile. Ukuxhaswa ngezimali kwezindlu okunethezeka kuvame ukubandakanya izakhiwo ezihlukile, kusukela ezindaweni eziwuxhaxha kuya kumapenthouse esimanje, kanye namandla ale malimbolekoamanani amakhulu emalimbolekoiqinisekisa ukuthi abathengi abavinjelwa amakepisi avamile. Thatha indawo engasebhishi engu-$4 million e-Miami: enamazinga e-jumbo ancintisanayo futhi ayikho i-PMI, ukonga ngokuhamba kwesikhathi kukhulu, okuvumela abanikazi bezindlu ukuthi batshale imali endleleni yabo yokuphila kunezinkokhelo zomshwalense.

Emakethe laphoizindawo ezibiza kakhulucabanga ngeSilicon Valley noma iManhattanPrime Full Doc Jumbokugqama njengokukhetha kukaNdunankulu. Ihlanganisa ukufinyeleleka nobunkimbinkimbi, ihlinzekela labo abafuna okwengeziwe emalini yabo ebolekiwe. Kungakhathaliseki ukuthi uthuthukela endaweni yokuhlala ewubukhazikhazi noma utshala imali emzini wesibili, lo mkhiqizo uletha amandla omlilo ukuze wenze lokho kwenzeke, ngenkathi uhambisana nemigomo yakho yesikhathi eside.