Njani ukuba akukho mboleko ye-PMI Jumbo enokukunceda ukuba ukhusele iMali-mboleko enkulu

Ukuba ujonge ukuthenga ipropathi enexabiso eliphezulu, ungazifumana ucinga ngeJumbo Loan ukuze uhlawule ukuthenga kwakho ikhaya. Xa idityaniswe neHayi Pmiinketho, iJumbo Loan iba nomtsalane ngakumbi kubathengi abafuna izindlu ezinkulu zokubolekwa kwezindlu. Kweli nqaku, siza kuntywila kwizibonelelo ze-No PMI Jumbo Loans kwaye kutheni zilukhetho oluhle kubathengi abaninzi kwimarike yezindlu nezindlu namhlanje.

Yintoni iMali-mboleko yeJumbo ye-No PMI?

I-No PMI loan yi-mortgage engadingi i-Inshurensi ye-Mortgage yabucala (PMI). I-PMI idla ngokufuneka xa lowo ubolekayo esenza intlawulo engaphantsi kwe-20% kwimali-mboleko eqhelekileyo, ukukhusela umbolekisi xa lowo ubolekayo engasileli. Nangona kunjalo, nge-No PMI Jumbo Loan, abathengi banokunqanda ezi ndleko zongezelelweyo zenyanga, besenza kube lula ukulawula iimali-mboleko ezikhulu.

I-Jumbo Loans, edlula imida yemali-mboleko ehambelanayo ebekwe yi-Federal Housing Finance Agency (FHFA), isetyenziselwa ii-Mortgages ezinkulu kwaye zifuna amanqaku aphezulu ekhredithi kunye neentlawulo ezinkulu. Ukuba uthenga ipropathi enesiphelo esiphezulu, unokufuna i-Jumbo Loan kwaye unokuxhamla kukhetho lwe-No PMI ukuba ufuna ukugcina iintlawulo zakho zokubambisa zifikeleleke ngakumbi.

Izinto eziluncedo ze-PMI Jumbo Loans

Eyona nzuzo ibalulekileyo ye-No PMI Jumbo Loan kukuthotywa kweentlawulo zenyanga. I-Traditional Jumbo Loans idla ngokuza neentlawulo eziphezulu zenyanga ngenxa yeendleko ze-PMI. Ngokukhetha i-No PMI mboleko, unokunqanda ezi ndleko zongezelelweyo kwaye wonge amakhulu okanye amawaka eedola ngonyaka.

Ngaphaya koko, akukho mali-mboleko ye-PMI Jumbo inokukuvumela ukuba wabele imali yakho ngaphezulu kwibhalansi eyintloko yemali mboleko yakho, ukukhawulezisa intlawulo yomvuzo.EZIs. Oku kuluncedo ngakumbi kubathengi be-Mortgages enkulu, njengoko bahlala bejongana nenzala ephezulu kunye neemali-mboleko ezinkulu. Ngokungahlawuli i-PMI, unokubhatala imali-mboleko yakho ngokukhawuleza kwaye unciphise inzala epheleleyo ehlawulweyo ngokuhamba kwexesha.

Indlela engasebenzi ngayo imali-mboleko ye-PMI Jumbo

Kwiimeko ezininzi, iJumbo Loans ifuna ubuncinane i-20% yentlawulo ephantsi, kodwa abanye ababolekisi banikezela ngeenketho ze-PMI kunye nentlawulo ephantsi njenge-10-15%. Ngelixa olu khetho lunokwahluka ngokuxhomekeke kumbolekisi, ingqikelelo esemva kwe-No PMI Jumbo Loans kukunceda abantu abathenga izindlu zexabiso eliphezulu baphephe iindleko ezongezelelweyo ze-PMI, ngaphandle kokuncama imali-mboleko efunekayo ukuze bathenge indawo abayifunayo.

Kwabo bafuna i-Mortgages enkulu, oku kunokuba yinzuzo ebalulekileyo. Njengoko amaxabiso epropathi eqhubeka nokunyuka kwiindawo ezininzi, ngakumbi kwiimarike ezifana neCalifornia okanye eNew York, ukufikelela kwi-No PMI Jumbo Loans kunokunciphisa kakhulu ixabiso lokuboleka kwaye kube lula kubathengi ukuba bangene kwimarike yezindlu zodidi.

Iingqwalasela phambi kokufaka isicelo seMali-mboleko ye-PMI Jumbo

Nangona i-PMI Jumbo Loans ilolona khetho lubalaseleyo kubathengi abaninzi, isenokungafanelanga wonke umntu. Ngenxa yokuba ezi mboleko zibandakanya imali eninzi, zifuna amanqaku abalaseleyo etyala, imbali eqinileyo yezemali, kunye nentlawulo ephantsi. Ukongeza, iJumbo Loans iza nenzala ephezulu xa ithelekiswa nemali mboleko eqhelekileyo.

Phambi kokufaka isicelo se-No PMI Jumbo Loan, kubalulekile ukuqinisekisa ukuba imeko yakho yezemali ihambelana neemfuno. Ukubonisana nengcali ye-mortgage kunokukunceda ukuba ubone ukuba olu hlobo lwemali mboleko lolona khetho lulungileyo lokuthenga ikhaya lakho.

Ukuqukumbela

I-No PMI Jumbo Loan inokuba sisixhobo esinamandla kwabo bafuna i-Mortgage enkulu kwaye bafuna ukuphepha iindleko ezongezelelweyo ze-Inshurensi ye-Mortgage yaBucala. Ngokugcina iindleko ze-PMI, unokunciphisa iintlawulo zakho zenyanga zindlu kwaye ugxile ekuhlawuleni imali-mboleko yakho ngokukhawuleza. Ukuba ukwimarike yekhaya elinexabiso eliphezulu, cinga ngokujonga i-No PMI Jumbo Loans ukuze wenze imali-mboleko yakho ilawuleke kwaye ifikeleleke. Njengamaxesha onke, qiniseka ukuba udibana nomcebisi wemali mboleko ukuze ubone ezona ndlela mboleko zingcono kwiimfuno zakho.