Ukukhangela i-Doc Jumbo eyandisiweyo yeMali-mboleko ye-Jumbo enamanqaku aphantsi e-FICO

Ukufumana imali-mboleko yendlu kunokuba lucelomngeni, ngakumbi xa ujongene neemeko ezizodwa zezimali. Kwabo bafuna iimali-mboleko ezinexabiso eliphezulu kodwa banetyala elingaphantsi kunelo eligqibelele, baqonda iinuances zedoc epheleleyo eyandisiweyo.jumboimali-mboleko enamanqaku asezantsi eFICO ibalulekile. Eli nqaku liza kuphonononga ukuba zeziphi na iimali-mboleko ze-doc ezigcweleyo ezandisiweyo, ukuba babamkela njani ababoleki abanamanqaku aphantsi e-FICO, kunye nento ekufuneka uyazi ukuze ujonge olu khetho lwemali-mboleko ngempumelelo.

Yintoni eyandisiweyo yeMali-mboleko yeJumbo egcweleyo?

Iimali-mboleko ezandisiweyo ezipheleleyo ze-doc jumbo zenzelwe ababoleki abafuna iimali-mboleko ezinkulu ezidlula imida yemali-mboleko ehambelanayo ebekwe nguFannie Mae noFreddie Mac. Ezi mboleko zifuna amaxwebhu abanzi ukuqinisekisa umvuzo womboleki, ii-asethi, kunye nobume bengqesho. Inkalo "eyandisiweyo" ibhekiselele kwizikhokelo zokubhala phantsi eziguquguqukayo ezinokuthatha iimeko ezizodwa zezimali, kuquka nezo zinamanqaku aphantsi eFICO.

Amanqaku eFICO aphantsi aYichaphazela njani imali-mboleko yeJumbo?

Amanqaku e-FICO ngumba obalulekileyo ekuvunyweni kwe-mortgage, emele ukufaneleka komboleki. Iimali-mboleko ze-jumbo zesiqhelo zifuna amanqaku aphezulu etyala, amaxesha amaninzi ngaphezulu kwama-700. Nangona kunjalo, iimali-mboleko ezandisiweyo ze-doc jumbo zithambile, zivumela ababoleki abanamanqaku asezantsi eFICO ukuba balunge. Oku bhetyebhetye kubalulekile kubantu abanomvuzo omkhulu kunye nee-asethi kodwa baye bafumana imingeni yetyala.

Ukulungela ukufumana iiMali-mboleko zeJumbo ezandisiweyo ezigcweleyo ezinamanqaku aphantsi eFICO

Ukuze ulungele ukufumana imali mboleko epheleleyo ye-doc jumbo enamanqaku aphantsi e-FICO, ababoleki kufuneka babonelele ngamaxwebhu aneenkcukacha, kubandakanya:

1. Ukuqinisekiswa kweNgeniso: Iimali zokubhatala,UkuBuyiswa kweRhafus, kunye ne-W-2s ukubonisa ingeniso ezinzileyo.
2. Amaxwebhu e-asethi: Iziteyitimenti zebhanki kunye neeakhawunti zotyalo-mali zokuqinisekisa ii-asethi ezaneleyo.
3. Imbali yokuqeshwa: Ubungqina bengqesho engaguqukiyo okanye imbali yokuzisebenzela.

Ababolekisi abanikezela ngeemali-mboleko ezandisiweyo ezipheleleyo ze-doc jumbo ezinamanqaku aphantsi e-FICO baya kuwaphonononga la maxwebhu ngokufutshane ukunciphisa umngcipheko onxulumene namanqaku asezantsi etyala.

Izibonelelo zeMali-mboleko yeJumbo eyandisiweyo egcweleyo yabaBoleki beFICO ephantsi

1. Izixa-mali-mboleko eziPhakamileyo: Ababoleki banokufikelela kwimali-mboleko enkulu kunemali-mboleko eqhelekileyo.
2. I-Flexible Underwriting: Izikhokelo ezingakumbi zokubonelela ababoleki abaneeprofayili ezizodwa zemali.
3. Ithuba lokuba ngabaninimzi: Yenza ukuba ubunini bezindlu kwabo banengeniso ebalulekileyo kunye nempahla yexabiso kodwa amanqaku asezantsi ekhredithi.

Imingeni kunye neNgqwalasela

Ngelixa imali-mboleko eyongeziweyo ye-doc jumbo ibonelela ngamathuba, beza nemiceli mngeni:

1. Inzala ephezulu: Ababoleki abanamanqaku aphantsi eFICO banokujongana nenzala ephezulu.
2. Uxwebhu olungqongqo: Iimfuno ezibanzi zamaxwebhu zinokutya ixesha.
3. Iintlawulo ezinkulu eziPhantsi: Ababolekisi banokufuna iintlawulo ezinkulu ezantsi ukuphelisa umngcipheko wetyala.

Ukuqukumbela

Iimali-mboleko ezandisiweyo ze-doc jumbo ezinamanqaku aphantsi e-FICO zibonelela ngendlela esebenzayo yobunini-zindlu kwabo bafuna iimali-mboleko ezikhulu kodwa bajongane nemingeni yetyala. Ngokuqonda iimfuno kunye nokulungiselela amaxwebhu abanzi, ababoleki banokujonga olu khetho lwemali-mboleko ngokufanelekileyo. Soloko ubonisana nomthengisi onolwazi lwe-mortgage ukuze uphonononge ukhetho lwakho kwaye ukhusele eyona miqathango ingcono kwimeko yakho yezemali.