Okubaluleke kakhulu kubathengi basekhaya, iimali-mboleko ze-jumbo zenza kube lula ukuthenga imizi ebiza.
Akunakukhathalela ngeemarike zempahla, kodwa ukuba uthengisa ikhaya eliphezulu kwaye awuyi kuhlawula imali ephantsi, inkokhelo ye-jumbo ingaba yinto ekhethekileyo. Unokufumana ixabiso lentlalo engcono kunye nemboleko engahambisani nayo.
I-Jumbo-Sized Mortgage
Iimali mboleko ze-Jumbo zifumana igama labo kwii-balance balance loan. Imali-mboleko ehambelanayo, eyona nxalenye enkulu yemali-mboleko e-US, iboleke imali edibana nezikhokelo ezibekwa yi-GSEs. Leyo mboleko i-2017 ifakwe kwi $ 424,100 kwiindawo ezininzi zelizwe kwaye ineemigaqo eyongezelelweyo kumgangatho wokuboleka. Kweminye imimandla ebiza izindleko eziphezulu, imingcele yemalimboleko iya phezulu kakhulu kwiakhawunti kwiimarike zezindlu zendawo. Ngokomzekelo, e-Los Angeles County, umda we-2017 u-$ 636,150.
Ukuba ufuna ukuboleka ngaphezu komda wemboleko kwendawo yakho, kuya kufuneka usebenzise umboleko we-jumbo okanye enye indlela yokudala ukuze ufumane inkxaso-mali.
Jumbo Ababoleki
Amabhanki kunye nabanye abatyali-mali bamashishini abucala batyala umboleko wejumbo.
Abo babolekisi abanenjongo yokuthengisa iimali-mboleko kwi-GSEs, ukuze ababolekisi bakwazi ukuyila imigaqo yabo yokuvuma. Wonke umboleki unenjongo ekhethekileyo kunye neengxalaba, ngoko ke yonke inkqubo yeboleko ye-jumbo ihlukile. Oko kuthetha ukuba kubalulekile ukuthengwa phakathi kwabathengi abahlukeneyo, njengoko imigaqo-nkqubo yokubaluleka kunye nokuvunywa ingahluka ngokubanzi.
Fumana i-mboleko ehambelana nemeko yakho yezemali kunye nepropathi oyithengayo. Ngokomzekelo, abanye ababolekisi benza kube lula okanye kunzima ukufumana iimboleko kumakhaya asemibini, kwaye ababolekisi abahlukeneyo bahluke kwiimfuno zokuhlawula.
Ukufaneleka kwee-Jumbo Mortgages
Njengaye nawuphi na umboleko, kuya kufuneka uhlangabezane neemfuno zokuvunywa, kwaye iimali-mboleko ze-jumbo zinzima kakhulu kuneemali-mboleko eziqhelekileyo ukuze ufaneleke. Imali mboleko iphezulu, ukuze ababolekisi bakhethe ngokukhethekileyo ngenxa yengozi yokukhupha i-jumbos.
Umlando weNkcitho: Uzakufuna i-credit entle ukuze ufumane imvume yemboleko ye-jumbo. Umlinganiselo we- FICO ngaphaya kwe-700 ubuncinane kubathengi abaninzi, kodwa ezinye izinto zinokuqinisekisa ukuba amanqaku aphantsi.
Ukuhlawula okuphantsi : Ii-mortgage zeJumbo zifuna ukuhlawulwa kweepesenti ezingama-20 okanye ngaphezulu. Nangona kunjalo, abanye ababolekisi be-jumbo abaqhelekileyo baya kusebenza kunye neentlawulo eziphantsi kweepesenti ezili-10, kwaye abanye bakhangisa iinkqubo kunye neemfuno ezingaphantsi. Ukuze ukwazi ukufumana umboleko we-jumbo ngenkokhelo encinci, uzakufuna i-credit entle, ingeniso enamandla, okanye i-assets reserve. Ngabalimi abaninzi, ukuhlawula iimfuno zentlawulo kwenyuka njengoko ubukhulu bemali mboleko buyanda.
Imali kunye ne-asethi: Kule mboleko enkulu, ababolekisi bafuna amaxwebhu ukuba baqinisekise ukuba unemali engenayo neyeempahla ukufumana ipropathi oyithengayo.
Ingeniso ehambelanayo iyona nto ibhetele. Abantu abazimeleyo bafuna amaxwebhu eerhafu kunye nolwazi olongezelelweyo ngamashishini abo, kwaye abafumana umvuzo bafuna iifom ze-W2. Ababoleki banqwenela ukubona iindawo zokugcina impahla ezifumanekayo ukuhlawula iintlawulo kwiinyanga ezintandathu ukuya kwezi-12.
Amatyala kwiingeniso: Inkokhelo ephantsi kwimali engenayo isoloko iluncedo xa ufaka isicelo semali mboleko. Ababolekisi basebenzisa ipesenti ezingama-43 njengento ekujoliswe kuyo, kodwa loo nombolo ayisetyenziswe kwiitye. Ngokukodwa xa unempahla ebalulekileyo ekhoyo, ababolekisi banokuqwalasela loo maxabiso (okanye impatho evela kuloo ntlawulo) njengenxalenye yemali yokubala.
Imali-mboleko ye-Jumbo ayilungiselelwe ukunceda abobolekayo "banwebe" kwaye bathenge indlu engaphezulu kunokuba banakho ukuthenga. Esikhundleni saloo nto, ngababoleki abakhululekileyo bezemali bathengisa amakhaya axabisa kakhulu kunomyinge.
Okuhlawulayo
Iindleko zenzalo: Imbali-mboleko, i-jumbo mboleko iveza inzala ephezulu ngaphezu kokuboleka imali.
Umngcipheko omkhulu njengoko ukwanda kwemali mboleko. Ngaphezu koko, ukuvuma ababolekekisi abathile abangenayo iindidi ezixakekileyo kubaluleke kakhulu. Nangona kunjalo, ekubeni ingxaki yokuboleka imali , ababolekisi ngabangasese baye bafumanisa ukuba ababolekisi be-jumbo bangenokuba ngababoleki abasemngciphekweni ophantsi, kwaye banokuba ngabaxhamli abanenzuzo ngeendlela ezahlukeneyo. Ngenxa yoko, amaxabiso kwi-jumbo mortgages angaphantsi kwamaxabiso ngokumalunga nemboleko. Sekunjalo, ngokulinganisela kwemali-mboleko ye-jumbo, unakho ukuhlawula ngokukhawuleza kwiindleko zentsalo kunomntu onomyinge omncinci kwizinga eliphezulu.
Imali-mboleko ye-Jumbo iyatholakala ngeerhafu ezichanekileyo okanye eziguquguqukayo .
Iindleko zokuvala: Iingxowa-mboleko zeJumbo ziquka iindleko zokuvala , njengawo nawuphi na umboleko wesikolo. Iimali zokuvavanya ngokukodwa zingaba ziphakamileyo ngenxa yeepropati ezizodwa okanye ukuthengwa kweedola eziphezulu. Kwezinye iimeko, uya kufuneka iimvavanyo ezimbini zokuvunywa kwemali mboleko.
Incyhuwalense ye-Mortgage: Intshurensi yomhlala-mboleko ikhusela ababolekisi xa abantu ababolekayo bengagqibekanga ngemboleko. Iimboleko ezivumeleneyo kunye neenkqubo zikaRhulumente zifuna ukuba ababolekayo bathenge le inshurensi xa benza imali encinci yokuhlawula ngenxa yokuba ukukwazi ukufumana imali kwi-foreclosing kuyinto engathandabuzekiyo . Kodwa i mboleko mboleko ihlukile. Kungakhathaliseki ukuba awuyi kuyimfuneko ukuhlawula i- inshurensi yokubambisa i-private mortgage insurer (PMI) kwimali-mboleko engahambisani nayo iya kumntu-mboleko-ezinye zivumela ukuba ngaphantsi kwama-20 eepesenti ngaphantsi kwe-PMI.
Eminye indlela eya kwiiJumbo Imali
Imali-mboleko ye-Jumbo ayiyona yodwa indlela yokuthenga amakhaya anqabileyo okanye iipropati kwiimarike ezishisayo zezindlu. Ukuba awufuni ukuboleka imali eninzi, okanye ukuba unenkathazo yokufumana imboleko ye-jumbo, indlela eyahlukileyo ingaba ngcono.
Imboleko mboleko: Esikhundleni semali mboleko enkulu, ungasebenzisa ukudibanisa imali encinci. Ezi zicwangciso zenze ukubuyela emva kwentlekele yokuboleka imali. Kodwa ngokungafani neemali-mboleko ze-piggyback zangaphambi kuka-2008, ngoku kuya kufuneka uqinisekise ukuba unako ukubuyisela imali mboleko nganye.
- Imali-mboleko ye-80/20: Nge mboleko ye-80/20 ye-piggyback, uza kufumana "imali yokuqala" yokubolekwa kwemali ye-80 yepesenti yentengo yentengo. Ngenxa yokuba unemali- mboleko ye-80 ekhulwini ukuxabisa (LTV) , ubalekela ukuhlawula i-PMI. Intlawulo yesibini iya kubandakanya i-20 ekhulwini yexabiso lokuthenga.
- I-80/10/10: Ngendlela ye-80/10/10, ufumana i-mboleko yokuqala kwi-80% ye-LTV. Nangona kunjalo, uza kwenza i-10 yeepesenti phantsi kwentlawulo, ushiye iipesenti ezi-10 kuphela ukuboleka kwisibini.
Iimali-mboleko ze-Piggyback zixazulula ingxaki yokuhlawula i-PMI, kodwa uhlala uboleka imali eninzi. Ukuze ufumane imvume, ufuna izikolo eziphezulu zemali-mboleko-kodwa ungakufanelekela izikolo ze-FICO kuma-600s aphezulu. Amanani omdla kumabhondi e-sibini ahlala ephakamileyo kunamanani kwi-mortgages yokuqala, ngoko iindleko zakho zokuboleka zingaba ziphezulu ngeli qhinga. Thelekisa ezo ndleko kunye nezinye iindlela zokukhetha usebenzisa i-calculator yemboleko okanye itafile yokwenza imali .
Qaphela ukuba amanye amalungiselelo e-piggyback asebenzisa iimali-mboleko zebhaluni . Ngokomzekelo, unokufuna ukuhlawula omnye okanye zombini iimboleko okanye uhlaziywe kwiminyaka eyi-15.
Qinisekisa umda: Ngaphambi kokuba uzinikezele ukusebenzisa i-jumbo mortgage, qinisekisa ukuba uya kuyimfuneko. Imali-mboleko ye-Jumbo ayikho imbi-kwakhona kwakhona, unokufumana ixabiso lentlalo engcono. Kodwa ukubolekisa iimali-mboleko okanye iinkqubo zorhulumente kunokuba kukulungele kangcono kuwe. Ukuba uhlala kwindawo ebiza iindleko eziphezulu, unokuhlala uboleke kakhulu kunomlinganiselo "oqhelekileyo". Abanye abantu basebenzisa igama elithi "jumbo" ukubhekisela kwimali-mboleko ehambelanayo kwiindawo ezibiza indleko, ngoko kucelwa ukuba ucaciswe xa uxoxa ngeendlela ozikhethayo.
Inkokhelo ekhudlwanayo: Indlela elula yokugwema ukusebenzisa i-jumbo mortgage yenze intlawulo enkulu. Kuphela kufuneka ufike ngokwaneleyo ukuzisa imali yakho yemali mboleko phantsi kwe-limit your loan loan. Ngokwenziwe, uya kuba neenketho ezingaphezulu, kwaye uya kuhlawula inzala encinci kunye ne-balance loan loan. Ukukhulisa imali ebalulekileyo yemali kunokuthetha lula kunokuba kwenziwe, ingakumbi njengoko idola likhula. Kodwa ukuba unayo imali ekhoyo, inokuba yinto ekhangayo.