Xa kuziwa ekufumaneni imali mboleko ye-jumbo kunye namanqaku aphantsi e-FICO, abaninzi abaninikhaya abanokuba ngamakhaya baziva bexinekile. Nangona kunjalo, ukuqonda ama-nuances emali mboleko ye-jumbo kunye nendlela amanqaku akho e-FICO ekuchaphazela ngayo ukufaneleka kwakho kunokuvula indlela yokuba ngumninimzi, nokuba unetyala elingaphantsi kune-eligqibeleleyo. Kwesi sikhokelo, siza kuphonononga izinto ezibalulekileyo zokufumana imali-mboleko ye-jumbo enamanqaku aphantsi e-FICO.

Yintoni iJumbo Loan?

I-jumbo loan luhlobo lwe-mortgage edlula imida yemali-mboleko ehambelanayo ebekwe yi-Federal Housing Finance Agency (FHFA). Kwiindawo ezininzi zase-United States, lo mda yi-726,200 yeedola, kodwa unokuba phezulu kwiindawo ezibiza kakhulu. Iimali-mboleko zeJumbo zenzelwe amakhaya anqabileyo kunye neepropathi kwiindawo ezinexabiso eliphezulu apho imida yemali-mboleko esemgangathweni ayanelanga.

Ukuqonda amanqaku eFICO

Amanqaku akho e-FICO yinto ebalulekileyo ekuqinisekiseni ukufaneleka kwakho kwi-mortgage. Amanqaku asusela kuma-300 ukuya kuma-850, ngamanqaku aphezulu abonisa ukufaneleka kwetyala. Amanqaku eFICO asezantsi, athathwa ngokuba angaphantsi kwama-620, anokubangela imiceli mngeni xa ufaka isicelo semali-mboleko, ngakumbi imali-mboleko ye-jumbo.

Imingeni yokuKhusela iMali-mboleko yeJumbo ngeNqaku eliPhantsi leFICO

1. Iimfuno ezingqongqo: Ababolekisi-mali bajonga imali-mboleko ye-jumbo njengeyingozi ngenxa yobukhulu bayo kunye nokungabikho kwenkxaso karhulumente. Ngenxa yoko, babeka iimfuno ezingqongqo, kubandakanya namanqaku aphezulu etyala.
2. Amaxabiso eNzala aPhakamileyo: Ababoleki abanamanqaku aphantsi eFICO bahlala bejongana nenzala ephezulu, nto leyo eyenza ukuba imali mboleko yejumbo ibize kakhulu ekuhambeni kwexesha.
3. Iintlawulo ezinkulu eziphantsi: Ukuphelisa umngcipheko, ababolekisi banokufuna iintlawulo ezinkulu ezivela kubaboleki abanamanqaku aphantsi eFICO. Oku kunokusukela kwi-20% ukuya kwi-30% yexabiso lepropati.

Amacebo okuphucula amathuba akho

1. Phucula iNqaku lakho leFICO: Ngaphambi kokufaka isicelo semali mboleko ye-jumbo, thatha amanyathelo okuphucula amanqaku akho eFICO. Hlawula amatyala asele ekhona, uphephe imibuzo emitsha ngetyala, kwaye uqinisekise iintlawulo ngexesha kuzo zonke ii-akhawunti.
2. Yandisa iNtlawulo Yakho Ephantsi: Intlawulo ephantsi enkulu inokunciphisa umngcipheko obonwa ngababolekisi. Oku akuphuculi nje kuphela amathuba akho okufumana imvume kodwa kunokubangela ukuba ube nemimiselo engcono yemali-mboleko.
3. Bonisa ukuzinza kwezeMali: Ukubonisa umvuzo ozinzileyo, ukonga kakhulu, kunye nomlinganiselo ophantsi wetyala-kwingeniso kunokuncedisa ababolekisi ngemali ukuba bakwazi ukuyibuyisela imali mboleko.

Olunye Ukhetho

Ukuba ukufumana imali-mboleko ye-jumbo ngamanqaku aphantsi e-FICO kungqina umngeni, qwalasela ezinye iindlela zokuxhasa ngemali:

• Iimali-mboleko ze-FHA: Ezi mboleko zixhaswa ngurhulumente zineemfuno zetyala ezithambileyo kwaye zinokuba lukhetho olusebenzayo kwabo banamanqaku aphantsi eFICO.
• Imali-mboleko ye-VA: Kumagqala afanelekileyo kunye namalungu enkonzo asebenzayo, iimali-mboleko ze-VA zibonelela ngemiqathango yokhuphiswano kwaye ayifuni manqaku aphezulu etyala.

Ukuqukumbela

Ukufumana imali mboleko ye-jumbo kunye namanqaku aphantsi e-FICO ngokungathandabuzekiyo kungumngeni, kodwa akunakwenzeka. Ngokuqonda iimfuno kunye nokuthatha amanyathelo acwangcisiweyo ukuphucula iprofayile yakho yezemali, unokwandisa amathuba akho okufumana imali-mboleko oyifunayo. Khumbula, umonde kunye nokulungiselela ngundoqo ekujongeni ubunzima beemali-mboleko ze-jumbo kunye namanqaku aphantsi e-FICO.

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.