Momwe Palibe Ngongole za PMI Jumbo Zingakuthandizireni Kupeza Ngongole Yaikulu Yanyumba

Ngati mukufuna kugula nyumba yamtengo wapatali, mutha kupeza kuti mukuganizira za Jumbo Loan kuti mulipire ndalama zogulira nyumba yanu. Pogwirizana ndi aPa Pmikusankha, Jumbo Loan imakhala yosangalatsa kwambiri kwa ogula nyumba omwe akufunafuna Ngongole Yaikulu. Munkhaniyi, tilowa muubwino wa No PMI Jumbo Loans ndi chifukwa chake ali chisankho chabwino kwa ogula ambiri pamsika wanyumba lero.

Kodi No PMI Jumbo Loan ndi chiyani?

Ngongole Yopanda PMI ndi ngongole yanyumba yomwe sifunikira Private Mortgage Insurance (PMI). PMI imafunikanso pamene wobwereka akubweza ndalama zosakwana 20% pa ngongole wamba, kuteteza wobwereketsa ngati wobwereketsa walephera. Komabe, ndi No PMI Jumbo Loan, ogula atha kupewa ndalama zowonjezera pamwezi, kupangitsa kuti zikhale zosavuta kusamalira ngongole zazikulu.

Jumbo Loans, yomwe imapyola malire angongole omwe akhazikitsidwa ndi Federal Housing Finance Agency (FHFA), amagwiritsidwa ntchito pa Ngongole Zazikulu Zanyumba ndipo nthawi zambiri zimafunikira ndalama zambiri zangongole komanso kubweza ndalama zambiri. Ngati mukugula malo okwera mtengo, mungafunike Ngongole ya Jumbo ndipo mutha kupindula ndi njira ya No PMI ngati mukufuna kusunga ndalama zanu zanyumba kukhala zotsika mtengo.

Ubwino Wopanda Ngongole za PMI Jumbo

Phindu lofunika kwambiri la No PMI Jumbo Loan ndikuthekera kochepetsera malipiro a mwezi uliwonse. Traditional Jumbo Loans nthawi zambiri imabwera ndi malipiro apamwamba pamwezi chifukwa cha ndalama za PMI. Posankha ngongole ya No PMI, mutha kupewa ndalama zowonjezera izi ndikusunga mazana kapena masauzande a madola pachaka.

Kuphatikiza apo, Palibe Ngongole za PMI Jumbo zomwe zingakulolezeni kuti mugawire ndalama zanu zambiri pangongole yayikulu, ndikufulumizitsa kubweza kwa pro.IZIs. Izi ndizothandiza makamaka kwa ogula Manyumba Akuluakulu Anyumba, chifukwa nthawi zambiri amakumana ndi chiwongola dzanja chokwera komanso ndalama zambiri zangongole. Posalipira PMI, mutha kulipira ngongole yanu mwachangu ndikuchepetsa chiwongola dzanja chonse chomwe mumalipira pakapita nthawi.

Momwe Palibe Ngongole ya PMI Jumbo Imagwira Ntchito

Nthawi zambiri, ngongole za Jumbo zimafuna kubweza 20% pang'ono, koma obwereketsa ena amapereka Palibe PMI zosankha ndi malipiro otsika mpaka 10-15%. Ngakhale zosankhazi zitha kusiyanasiyana kutengera wobwereketsa, lingaliro la No PMI Jumbo Loans ndikuthandiza ogula nyumba zamtengo wapatali kupewa mtengo wowonjezera wa PMI, osapereka ngongole zomwe zimafunikira kuti agule malo omwe akufuna.

Kwa iwo omwe akufuna Ngongole Yaikulu, izi zitha kukhala phindu lalikulu. Pamene mitengo ya katundu ikupitirira kukwera m'madera ambiri, makamaka m'misika ngati California kapena New York, kukhala ndi mwayi wopita ku No PMI Jumbo Loans kungachepetse kwambiri mtengo wobwereka ndikupangitsa kuti ogula azitha kulowa mumsika wapamwamba wa nyumba.

Zoganizira Musanapemphe Ngongole Yopanda PMI Jumbo

Ngakhale No PMI Jumbo Loans ndi njira yabwino kwambiri kwa ogula ambiri, mwina singakhale oyenera aliyense. Chifukwa ngongolezi zimakhala ndi ndalama zochulukirapo, nthawi zambiri zimafunikira mangongole abwino kwambiri, mbiri yabwino yazachuma, komanso kubweza ndalama zambiri. Kuphatikiza apo, Jumbo Loans nthawi zambiri imabwera ndi chiwongola dzanja chokwera poyerekeza ndi ngongole wamba.

Musanapemphe Ngongole ya No PMI Jumbo, ndikofunikira kuwonetsetsa kuti chuma chanu chikugwirizana ndi zomwe mukufuna. Kufunsana ndi katswiri wobwereketsa nyumba kungakuthandizeni kudziwa ngati ngongole yamtunduwu ndiyo njira yabwino kwambiri yogulira nyumba yanu.

Mapeto

Ngongole Yopanda PMI Jumbo ikhoza kukhala chida champhamvu kwa iwo omwe akufunafuna Ngongole Yaikulu Yanyumba ndikufuna kupewa ndalama zowonjezera za Private Mortgage Insurance. Populumutsa pamitengo ya PMI, mutha kuchepetsa ndalama zomwe mumalipira pamwezi ndikuyang'ana pakubweza ngongole yanu mwachangu. Ngati mukugulira nyumba yamtengo wapatali, ganizirani kufufuza No PMI Jumbo Loans kuti ngongole yanu ikhale yotheka kutheka komanso yotsika mtengo. Monga nthawi zonse, onetsetsani kuti mwafunsana ndi mlangizi wobwereketsa nyumba kuti adziwe njira zabwino kwambiri zangongole pazosowa zanu.