I-AUS Jumbo Loan kunye ne-Automated Underwriting ye-Mortgages eLula

Kwimarike yezindlu yanamhlanje ekhuphisanayo, ukufumana imali-mboleko kunokuziva ngathi ngumsebenzi onzima. Nangona kunjalo, ukuqaliswa kwe-AUSjumboImali-mboleko iyilungelelanise ngokubonakalayo inkqubo yabafaki-zicelo bexabiso eliphezulu. Idityaniswe neMvume yokuBhala ngokuSebenzayo, ababoleki ngoku banenzuzo yokukhawuleza kunye nemvume yokuboleka imali.

I-AUS Jumbo Loan yimali-mboleko eyenzelwe abo bathenga amakhaya ngaphezu kwemida yesiqhelo yemali-mboleko. Inkqubo yokuvunywa kwezi mali-mboleko ibisoloko intsonkothile, ifuna ukujongwa kwakhona kwengxelo yemali yomboleki. Nangona kunjalo, ngokudityaniswa kweMvume yokuBhala ngokuSebenzayo, ababolekisi banokujonga ngokukhawuleza ukufaneleka komboleki ngenkqubo ezenzekelayo, okwenza inkqubo isebenze ngakumbi kwaye ingabikho kwimpazamo yomntu.

Inzuzo yokusebenzisa i-Automated Underwriting Approval ye-AUS Jumbo Loan kukuba ivumela ababolekisi ukuba benze izigqibo ezichanekileyo malunga nokuba umboleki ufanelekile na. Inkqubo ihlalutya amanqaku amatyala omboleki, umlinganiselo wetyala-kwingeniso, imbali yengqesho, kunye nezinye iinkcukacha zemali, ukubonelela ngengcebiso ekhawulezileyo yokuvunywa kwemboleko okanye ukukhanyela. Oku kuthetha ukuba ababoleki banokufumana isigqibo kwiqhezu lexesha elinokulithatha ngokubhala phantsi ngesandla.

Ukongeza, iimali-mboleko ze-AUS Jumbo zibonelela ngemilinganiselo ephezulu yokuboleka, elungele abo bathenga iipropathi zodidi oluphezulu okanye amakhaya kwiindawo ezinexabiso eliphezulu. Ngokulandela izikhokelo ze-automated underwriting, ababoleki banokufumana imvume, kwaye umngcipheko wababolekisi uyancipha kakhulu.

Ukuqukumbela, ukuba ucinga ngokuthenga ikhaya elinexabiso eliphezulu kwaye ufake isicelo se-AUS Jumbo Loan, inkqubo ngoku ikhawuleza kwaye ichaneke ngakumbi ngokubulela kwi-Automated Underwriting Approval. Obu bugcisa abukhawulezi nje ukukhawulezisa amaxesha okuvunywa kodwa bukwanceda ekuqinisekiseni ukuba imali-mboleko ifanelekile kubo bobabini umboleki kunye nombolekisi. Qiniseka ukuba uphonononga olu khetho luyintshayo xa ucinga ngokuthenga kwakho ikhaya elilandelayo.