11/15/2023

Uhambo oluya kubunini bezindlu kwabo banamanqaku aphantsi eFICO bahlala beziva ngathi ngumlo onyukayo, ngakumbi xa ujonge amakhaya anqabileyo kwiimarike ezikhuphisanayo.Imali-mboleko egcweleyo ye-Doc Jumbo isebenza njengeyona ndlela ibalulekileyo yokuphila kwaba bathengi, ibanika ithuba lokuthenga iipropati zexabiso eliphezulu.Kwizixeko ezinjengeLos Angeles, apho amaxabiso ezindlu nezindlu enyuka ngaphezu kwemida yemali mboleko eqhelekileyo,UDoc ogcweleyo Jumboimali-mboleko ayiyoncedo nje kuphela kodwa iyimfuneko kubathengi abanembali enganeno kune-egqibeleleyo yamatyala.

Ukuqonda iiMali-mboleko zeJumbo

I-Jumbo loan, njengoko igama libonisa, ibonelela kwiimfuno zenkxaso-mali yezakhiwo ezixabisa ngaphezu komda obekwe ngamashishini axhaswa ngurhulumente afana noFannie Mae kunye noFreddie Mac.Lo mda ubizwa ngokuba ngumda wemali-mboleko ohambelanayo, othi, kwiindawo ezininzi zase-United States, ubekwe kwi-647,200 yeedola.Nangona kunjalo, kwiindawo ezinexabiso eliphezulu njengeLos Angeles,UDoc ogcweleyo Jumboimali-mboleko inokuxhasa ngezimali iipropati ezisusela kwi-400,000 yeedola ukuya kuthi ga kwi-4.0 yezigidi zeerandi, ibonelela ngesisombululo esifuneka kakhulu kubathengi bezindlu obutofotofo.

I-Nitty-Gritty ye-Full Doc Jumbo Loans
Xa kufikwa kuUDoc ogcweleyo Jumbomboleko, ukuqwalaselwa kweenkcukacha kubaluleke kakhulu.Ababolekisi bafuna amaxwebhu acokisekileyo ukuvavanya impilo yezemali yomboleki, kubandakanya umvuzo, impahla, kwaye, okubalulekileyo, amanqaku eFICO.Igama elithi 'Uxwebhu olupheleleyo' ligxininisa inqanaba leenkcukacha ezifunekayo kwinkqubo yokubhala, ethi kwabo banamanqaku asezantsi eFICO, ibe yeyona nto ibaluleke ngakumbi ekuqinisekiseni ukuba bakufanele na ukuboleka ityala.

IiNkcazo zabaBoleki baManqaku eFICO aPhantsi
Ababoleki abanamanqaku aphantsi eFICO, rhoqo ngaphantsi komda we-740, banokuzifumana bejongene neendleko ezongezelelweyo xa kufikwaUDoc ogcweleyo Jumbomboleko.Ngokomzekelo, ngokwephepha lereyithi, umboleki onomlinganiselo we-FICO ophakathi kwe-660 kunye ne-679 uya kubona iindleko ezongezelelweyo ze-1.250 ukuya kwi-2.500 amanqaku kwi-Expanded 30 Yrs Fixed Jumbo loan.Oku kuthetha ukuba kwisixa-mali semali-mboleko ye-1.5 yezigidi zeedola, lowo ubolekayo unokujonga kwiindleko ezongezelelweyo ukusuka kwi-18,750 yeedola ukuya kwi-37,500 yeedola, okuchaphazela kakhulu ixabiso lemali-mboleko.

Uhlengahlengiso lwamaxabiso kwiibhendi ezahlukeneyo zeFICO
Uhlengahlengiso lwamaxabiso eUDoc ogcweleyo Jumboimali-mboleko icaciswa ngokucacileyo ngamanqaku eFICO kunye neepesenti zeLoan-to-Value (LTV).Njengoko kubonisiwe kuxwebhu, uhlengahlengiso lunokwahluka ngokubanzi ngokusekelwe kumanqaku amanqaku ekhredithi.Kumboleki onenqanaba eliphezulu leFICO lamanqaku angaphezulu kwama-780, uhlengahlengiso lwamaxabiso alukho okanye luncinci, ngelixa abo banamanqaku angaphantsi kwama-600s banokuzifumana bejongene neendleko ezongezelelweyo eziqatha.

Umzekelo, makhe sicinge ngomthengi olindelekileyo ejonge i-condo yodidi exabisa i-2 yezigidi zeedola eLos Angeles.Ukuba umthengi unamanqaku e-FICO kuluhlu lwe-720-739 kwaye ukhetha i-Expanded 30 Yrs Fixed Jumbo mboleko, banokuhlangabezana nohlengahlengiso lwexabiso lwamanqaku angama-0.500, okuguqulela kwi-10,000 yemali eyongezelelweyo kwiindleko zabo mboleko.

Olu xwebhu lukwabalaselisa iingqwalaselo ezikhethekileyo, njengesolotya elithi izinto zaseTshayina azamkelekanga, kuquka nezipho.Oku kunokubaluleka ngokukodwa kubathengi bamazwe ngamazwe okanye abo baxhomekeke kwiimali zaphesheya kweelwandle ngokuthenga kwabo amakhaya.

Ukujonga Ubuninzi boMboleko-kwixabiso loRhwebo
Ngaphezulu, iphepha lemali-mboleko lichaza ukuba iMaximum Loan-to-Value (LTV) okanye i-Combined Loan-to-Value (CLTV) inokucuthwa nge-5% ukuba ingxelo yovavanyo ibonisa ukuhla kwexabiso lemarike.Oku kugxininisa ukubaluleka kweentsingiselo zezindlu nomhlaba kunye nokuxatyiswa kwemarike ngokwemiqathango yemali-mboleko, ngakumbi kwiUDoc ogcweleyo Jumboiimali-mboleko ezilungiselela icandelo lekhaya elitofotofo.

Ukuququmbela
Kubathengi bezindlu obutofotofo abanamanqaku aphantsi eFICO, imali-mboleko ye-Full Doc Jumbo ibonelela ngendlela esebenzayo yobunini-zindlu, nangona kukho iindleko ezongezelelekileyo ezibonisa umngcipheko ohambelana namaxabiso aphantsi amatyala.Ukuqonda iinkcukacha zezi mboleko, ukusuka kumazinga enzala ukuya kuhlengahlengiso lwexabiso olusekelwe kwiibhendi zeFICO/LTV, kubalulekile ekwenzeni isigqibo esinolwazi.Indawo yokuboleka inokuba nzima, kodwa ngolwazi oluchanekileyo kunye nesikhokelo, ukufumana imali mboleko ye-Doc Jumbo egcweleyo, nokuba ngamanqaku asezantsi eFICO, inokufikelelwa.Abathengi kufuneka bazazi ezi nuances njengoko behamba ngenkqubo yokufumana imali-mboleko elungele imeko yabo yezemali kunye neminqweno yekhaya lamaphupha.

Ividiyo:Ukujonga iiMali-mboleko zeJumbo ezigcweleyo zikaDoc: Isikhokelo seHlabathi sokwenyani sabathengi abanamanqaku aphantsi eFICO

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.