08/23/2023

Ukuqonda iiMali-mboleko zeJumbo: Iingcaciso kunye nokufaneleka

I-Jumbo loans, okanye i-Jumbo Mortgages, inikezela ngeemali-mboleko eziphezulu kwiipropati ezidlula imilinganiselo yemali mboleko ebekwe yi-Federal Housing Finance Agency (FHFA).Ukuba uthenga ikhaya elinexabiso elingaphezulu komda wemali-mboleko kwindawo yakho, unokufuna ukuqwalasela i-jumbo loan.Ababoleki badla ngokuba nemivuzo ephezulu yokuhlawula intlawulo yenyanga-mboleko ephezulu ehambelana nolu hlobo lwemali mboleko.

Xa ufaka isicelo semali-mboleko ye-jumbo, kukho iindlela ezininzi odla ngokufuna ukuhlangabezana nazo:
1. Amanqaku aphezulu ekhredithi: Ngenxa yesixa-mali esikhulu semali-mboleko, amanqaku aphezulu ekhredithi ayafuneka ngokubanzi.Amanqaku athile anokwahluka ngokomboleki kunye nommandla, kodwa ngokwesiqhelo kufuneka abe ngama-720 okanye ngaphezulu.

2. Umlinganiselo wetyala eliphantsi ukuya kumvuzo: Ababoleki badla ngokufuna umlinganiselo wetyala-kwingeniso (DTI) ongaphantsi kwama-43%.Oku kuthetha ukuba iintlawulo zakho zenyanga zamatyala (kubandakanywa nemali-mboleko oyilindelekileyo, iimali-mboleko zemoto, iimali-mboleko zabafundi, kunye neentlawulo zekhadi letyala) kufuneka zibe ngaphantsi kwe-43% yomvuzo wakho wenyanga.

3. Ugcino olwaneleyo: Ngenxa yesixa-mali semali-mboleko ephezulu, ababoleki ngokuqhelekileyo kufuneka babe nengeniso eyaneleyo okanye imali yokulondoloza (imali, izitokhwe, iibhondi, njl.njl.) ukuze bahlawule imali-mboleko yeenyanga eziliqela kwixesha elizayo.

4. Uvavanyo lwekhaya: Kwipropati oceba ukuyithenga, ababolekisi-mali baya kufuna i-apreyizali yekhaya ukuqinisekisa ukuba isixa-mali semali-mboleko asigqithi kwixabiso lokwenyani lekhaya.

Ukongeza, kusenokufuneka wenze ipesenti ethile yentlawulo ephantsi.Kwimali-mboleko eqhelekileyo, oku kunokuba naphi na ukusuka kwi-3% ukuya kwi-20%.Nangona kunjalo, kwimali-mboleko ye-jumbo, unokufuna ukubeka phantsi i-20% ukuya kwi-30%, okanye nangaphezulu.I-AAA LENDINGS inikeza aUDoc ogcweleyo Jumboimveliso kunye 30-iminyaka imbuyekezo esisigxina ixesha kunye nentlawulo ephantsi ye-15% nje (kunye namanqaku ekhredithi ubuncinane 720), kunye namanqaku ekhredithi ubuncinane ephantsi 660 isixa-mboleko ubuninzi $2,000,000.

Nangona imali-mboleko yejumbo inokuza nenzala ephezulu kunye neemfuno ezingqongqo, zibonelela ngokhetho kwabo bafuna ukuthenga indawo kwindawo enexabiso eliphezulu.Ukuba unokuhlangabezana neemfuno kwaye uhlawule iintlawulo zenyanga, i-jumbo loan inokuba lukhetho olusebenzayo.

Ukukhetha iXesha le-Mortgage eliLungileyo: Izinto kunye neeNgcebiso

Ukukhetha ixesha lemali-mboleko yakho sisigqibo esibalulekileyo kwinkqubo yemali-mboleko.Imiqathango eyahlukeneyo inokuchaphazela iintlawulo zakho zenyanga, inzala, kunye nesixa esipheleleyo sentlawulo.Xa ukhetha ixesha le-mortgage, qwalasela la manqaku alandelayo:

1. Intlawulo yenyanga: Amaxesha amafutshane emali-mboleko (njengeminyaka eli-15) athetha iintlawulo eziphezulu zenyanga, kodwa inzala ihlawulwe.Iimeko mboleko ezinde (ezifana neminyaka engama-30) zithetha iintlawulo eziphantsi zenyanga, kodwa inzala engaphezulu iyonke ehlawulweyo.Kufuneka wenze isigqibo ngento onokufikelela kuyo nyanga nganye ngokwemeko yakho yezemali.

2. Izinga lenzala: Amaxesha amafutshane emboleko adla ngokuza nenzala ephantsi.Nangona iintlawulo zenyanga zemali-mboleko yexesha elifutshane ziphezulu, izinga lenzala elisezantsi linokuthetha ukongiwa ngokubanzi.

3. Uzinzo lomvuzo: Ukuba unomvuzo ozinzileyo, unokuhlangabezana neentlawulo eziphezulu zenyanga kwaye unokuqwalasela imali mboleko yexesha elifutshane.Ukuba umvuzo wakho awuzinzanga okanye awuqinisekanga, imali-mboleko yexesha elide inokuba ngcono kuba iintlawulo zenyanga ziphantsi.

4. Iinjongo zemali: Ngaba uyafuna ukuyihlawula imali-mboleko ngokukhawuleza?Oko kuya kuchaphazela ixesha lemali-mboleko olikhethayo.Ukuba ujonge ukuba nekhaya lakho ngokukhawuleza kangangoko kunokwenzeka, i-mortgage yexesha elifutshane inokuba yinto efanelekileyo.Kodwa ukuba ufuna ukugcina imali kwaye ugcine imali yolunye utyalo-mali, imali-mboleko yexesha elide inokufaneleka ngakumbi.

5. Izicwangciso zomhlalaphantsi: Uceba ukuwuthatha nini umhlalaphantsi?Ngaba ufuna imali yakho yokubambisa ihlawulwe ngelo xesha?Ukuba ufuna ukungaboleki-mali ngokuthatha umhlala-phantsi, usenokukhetha ixesha lemali-mboleko oza kuhlawulwa ngaphambi kokuba uthathe umhlala-phantsi.

6. Iimeko zemarike: Ngaba inzala yemalike yangoku iphezulu okanye iphantsi?Kunokuba luncedo ngakumbi ukutshixa imali-mboleko yexesha elide xa inzala iphantsi.

Iziphumo zokungagqibeki kwe-Mortgage

Nokuba yimali-mboleko eqhelekileyo okanye enkulu, ukungahlawulisi ngumba onzima kwaye kufuneka kuphetshwe ukuba kunokwenzeka.Ukuba uyasilela ekuyibuyiseni imali-mboleko oyihlawulweyo, unokujongana nezi ziphumo zilandelayo:

Umonakalo kumanqaku ekhredithi: Ukungagqibeki kunokukwenzakalisa kakhulu amanqaku akho etyala, kuchaphazela izicelo zetyala kwixesha elizayo.
Ukuvalwa: Ukuba uyaqhubeka nokusilela, ibhanki isenokukhetha ukuvala kwaye ithengise ikhaya lakho ukuze ibuyise ityala layo.
Imiba yezomthetho: Usenokujongana namanyathelo omthetho ngenxa yokusilela.

Ukuqukumbela, iimali-mboleko ze-jumbo zibonelela ngamathuba kwiimarike zezindlu ezinexabiso eliphezulu, kodwa isilumkiso kufuneka sisetyenziswe xa kufunwa imali-mboleko enjalo.Kuya kufuneka uqonde indlela yokufaneleka, ukhethe ixesha elifanelekileyo lokubambisa, kwaye uqonde ngokupheleleyo iziphumo zokungagqibeki kwe-mortgage.

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.