Amanqaku eFICO aphantsi kangakanani amkelweyo kwiMali-mboleko yeJumbo

Kwabaninzi abanakho ukuthenga amakhaya, imbono yokuqinisekisa iJumbo Loan ngeI-FICO ephantsiamanqaku akhangeleka njengomsebenzi onzima. Iimali-mboleko zeJumbo zihlala zinxulunyaniswa neemfuno ezingqongqo zamanqaku etyala, kodwa ngenxa ye-Low FICO ok ye-Jumbo Loan Programme, ababoleki abanamanqaku asezantsi etyala basengakwazi ukufumana ezi mboleko zexabiso eliphezulu.

I-Jumbo Loan isetyenziselwa iipropati ezidlula imida yemali-mboleko ehambelanayo neqhelekileyo. Ezi mboleko zikhulu ngobukhulu kwaye zihlala zifuna imbali eyomeleleyo yetyala. Nangona kunjalo, i-Low FICO ilungile yeNkqubo yeMali-mboleko yeJumbo ivumela abantu abanamanqaku aphantsi e-FICO ukuba bafanelekele i-Jumbo Loan ngaphandle kokuhlangabezana neemfuno zamanqaku aphezulu esiqhelo.

Eyona nto iphambili yale nkqubo kukuguquguquka kwayo. Ngelixa iinkqubo ezininzi eziqhelekileyo zeJumbo Loan zifuna amanqaku etyala ubuncinci angama-700 okanye ngaphezulu, i-Low FICO ok yeJumbo Loan Programme inokwamkela amanqaku ekhredithi kwiminyaka engama-600. Oku kunika ithuba elihle kwabo basenokuba baye bajamelana neengxaki zemali kwixa elidlulileyo, njengamatyala ezonyango, ukuphelelwa ngumsebenzi, okanye eminye imingeni, ukanti ngoku bakwimeko eyomeleleyo ngokwemali.

Ngaphandle kwamanqaku e-Low FICO, ababolekisi kwi-Low FICO ok ye-Jumbo Loan Programme bajonge nezinye izinto ezibalulekileyo, ezifana nomlinganiselo wetyala-kwingeniso yomboleki, ukonga, kunye nentlawulo ephantsi. Kwezinye iimeko, intlawulo ephantsi enkulu inokubuyisela amanqaku asezantsi etyala, ukunceda ababoleki bakhusele iJumbo Loan abayidingayo ukuze bathenge ikhaya elinexabiso eliphezulu.

Kubathengi bamakhaya abanamanqaku aphantsi eFICO, iLow FICO ok yeJumbo Loan Programme yeyona ndlela ibalaseleyo yokufumanaEZIs inkxaso-mali kumakhaya obutofotofo okanye iipropati zotyalo-mali. Inkqubo izikhokelo eziguquguqukayo kunye nokugxila kwimeko yezemali yomboleki yenza kube lula kubantu ngabanye ukuba bafanelekele ezi mboleko ezinkulu, nangona imingeni yetyala kwixesha elidlulileyo.

Ukuqukumbela, i-Low FICO ilungile yeNkqubo yeMali-mboleko yeJumbo inika ithemba kubantu abaninzi abanokuba ngabanikazi-zindlu abanokuthi bangafikeleli kwiimfuno zamanqaku entengo yetyala kwiJumbo Loans. Ngokuthathela ingqalelo izinto ezingaphaya kwamanqaku eFICO aphantsi, le nkqubo ivula iingcango zenkxaso-mali ebinokungafikeleleki kubantu abaninzi. Ukuba ukwimarike yekhaya elinexabiso eliphezulu kwaye unamanqaku asezantsi eFICO, le nkqubo inokuba sisisombululo esigqibeleleyo kuwe.