Ukuqonda iiMali-mboleko zeJumbo ezigcweleyo kunye noLawulo lweeNtlawulo zokuThengisa emva kwexesha

Xa uzulazula kwihlabathi elintsonkothileyo lenkxaso-mali yasekhaya, ukuqonda imiba ye-Full DocjumboIimali-mboleko kunye neziphumo zeentlawulo ze-mortgage kade zibalulekile. Eli nqaku ligocagoca kule miba mibini iphambili, libonelela ngengqiqo kunye nezicwangciso zabo banokuba ngababoleki.

Iimali-mboleko zeJumbo zikaDoc oPheleleyo: Isishwankathelo esiBanzi

I-Full Doc Jumbo loan, edla ngokubizwa ngokuba yimali-mboleko ye-jumbo yamaxwebhu, luhlobo lwe-mortgage eyenzelwe ababoleki abafuna isixa-mali semali-mboleko edlula imida yemali-mboleko ehambelanayo ebekwe yi-Federal Housing Finance Agency (FHFA). Ngokungafaniyo nemali-mboleko eqhelekileyo, imali-mboleko ye-Full Doc Jumbo ifuna amaxwebhu abanzi ukuqinisekisa umvuzo, ii-asethi, kunye nemeko yengqesho. Le nkqubo yogcino lwamaxwebhu iqinisekisa ukuba ababoleki banozinzo lwemali ukuze balawule iimali-mboleko ezinkulu.

IAmabanga aphantsiinzuzo yemali-mboleko ye-Full Doc Jumbo kukukwazi ukukhusela inkxaso-mali kwiipropati zexabiso eliphezulu ezidlula kwimida yemali-mboleko eqhelekileyo. Nangona kunjalo, iimfuno ezingqongqo zamaxwebhu zithetha ukuba ababoleki kufuneka balungele ukubonelela ngeerekhodi zemali ezibanzi. Oku kuquka iifomu zerhafu, iifomu ze-W-2, izitetimenti zebhanki, kunye nobungqina bezinye ii-asethi.

Ukuhamba nge-Mortgage emva kweeNtlawulo

Ukuhlawulwa emva kwexesha lokuboleka imali kunokuba neziphumo ezibalulekileyo kubaboleki, kube nefuthe kumanqaku etyala kwaye kunokukhokelela ekuthinjweni. Ukuqonda indlela yokulawula kunye nokuthintela ukuhlawulwa kwe-mortgage kade kubalulekile ukugcina impilo yezemali kunye nobunini bezindlu.

1. Unxibelelwano nababolekisi: Ukuba ulindele ubunzima ekwenzeni intlawulo yokubambisa, qhagamshelana nombolekisi wakho ngoko nangoko. Ababolekisi abaninzi banikezela ngeendlela zoncedo lwexeshana, ezinje ngonyamezelo okanye uhlengahlengiso lwemali-mboleko, ezinokukunceda uphephe ukubhatalwa kade.
2. Iintlawulo ezizenzekelayo: Ukumisela iintlawulo ezizenzekelayo kunokuqinisekisa ukuba imali-mboleko yakho ihlawulwa ngexesha nyanga nganye, ukunciphisa umngcipheko wokuhlawulwa emva kwexesha. Eli nyathelo lilula linokukunceda ukuba uphephe impembelelo embi kumanqaku akho ekhredithi.
3. Uhlahlo lwabiwo-mali kunye noCwangciso lwezeMali: Ukugcina uhlahlo lwabiwo-mali olubeka phambili intlawulo yakho yokubambisa kubalulekile. Yabela imali nyanga nganye ngokukodwa kwi-mortgage yakho ukuqinisekisa ukuba ezi ndleko zibaluleke kakhulu zihlala zigutyungelwe.
4. Ingxowa-mali kaxakeka: Ukuseka ingxowa-mali yonxunguphalo kunokubonelela ngenkxaso yemali xa kukho iindleko ezingalindelekanga okanye ukuphazamiseka kwengeniso, oko kukunceda ukuba uphephe ukubhatalwa emva kwexesha lokubhatalwa.

Impembelelo ye-Mortgage yeeNtlawulo emva kwexesha

Ukuhlawulwa emva kwexesha lokubambisa kunokuchaphazela kakhulu amanqaku akho etyala, nto leyo eyenza kube nzima kakhulu ukukhusela imali-mboleko yexesha elizayo okanye ukubuyisela imali esele ikho. Intlawulo enye emva kwexesha ingahlala kwingxelo yakho yetyala ukuya kuthi ga kwiminyaka esixhenxe, iqaqambisa ukubaluleka kweentlawulo ngexesha.

Ukuqukumbela, ukuqonda imali-mboleko ye-Doc Jumbo egcweleyo kunye nokulawula ngokukuko ukuhlawulwa kwe-mortgage kade zizinto ezibalulekileyo kubumnini bezindlu obuyimpumelelo. Ngokubonelela ngoxwebhu olucokisekileyo lwemali-mboleko egcweleyo ye-Doc Jumbo kunye nokuphumeza amaqhinga okuthintela ukuhlawulwa kwendlu kade, unokujonga ubunzima bendawo yokubambisa ngokuzithemba.

Inkcazo: Eli nqaku lihlelwe ngu-AAA LENDINGS; enye yemifanekiso ithathwe kwi-Intanethi, indawo yesiza ayimelwanga kwaye ayinakuphinda ishicilelwe ngaphandle kwemvume. Kukho imingcipheko kwimarike kwaye utyalo-mali kufuneka lulumke. Eli nqaku alibandakanyi iingcebiso zotyalo-mali lomntu, kwaye alithatheli ingqalelo iinjongo ezithile zotyalo-mali, imeko yezemali okanye iimfuno zabasebenzisi ngabanye. Abasebenzisi kufuneka bathathele ingqalelo ukuba ngaba naziphi na izimvo, izimvo okanye izigqibo eziqulathwe apha zifanelekile na kwimeko yabo ethile. Tyala imali ngokufanelekileyo kumngcipheko wakho.