11/15/2023

Ulendo wopita ku eni nyumba kwa omwe ali ndi zochepa za FICO nthawi zambiri umakhala ngati nkhondo yokwera, makamaka poyang'ana nyumba zapamwamba m'misika yampikisano.Ngongole za Full Doc Jumbo zimakhala ngati njira yofunika kwambiri kwa ogulawa, kuwapatsa mwayi wogula katundu wamtengo wapatali.M'mizinda ngati Los Angeles, komwe mitengo yanyumba imakwera kuposa malire wamba,Full Doc JumboNgongole sizongopindulitsa koma ndizofunikira kwa ogula omwe ali ndi mbiri yocheperako.

Kumvetsetsa Ngongole za Jumbo

Ngongole ya Jumbo, monga momwe dzinalo likusonyezera, imakwaniritsa zosowa zandalama za malo omwe amatsika mtengo kuposa mabizinesi omwe amathandizidwa ndi boma monga Fannie Mae ndi Freddie Mac.Gawoli limatchedwa malire angongole, omwe, mbali zambiri za United States, amakhala $647,200.Komabe, m'malo okwera mtengo ngati Los Angeles,Full Doc JumboNgongole zitha kulipirira katundu kuyambira $400,000 mpaka $4.0 miliyoni, kupereka yankho lofunika kwambiri kwa ogula nyumba apamwamba.

Nitty-Gritty ya Full Doc Jumbo Ngongole
ZikafikaFull Doc Jumbongongole, chidwi chatsatanetsatane ndichofunika kwambiri.Obwereketsa amafunikira zolemba zomveka bwino kuti awone momwe wobwereka ali ndi thanzi labwino, kuphatikiza ndalama, katundu, komanso, makamaka, kuchuluka kwa FICO.Mawu akuti 'Full Doc' akugogomezera kuchuluka kwatsatanetsatane wofunikira pakulemba, komwe kwa iwo omwe ali ndi ziwerengero zochepa za FICO, kumakhala kofunikira kwambiri kuti atsimikizire kuti ali ndi ngongole.

Zofotokozera za Obwereketsa Otsika a FICO
Obwereketsa omwe ali ndi ziwerengero zotsika za FICO, nthawi zambiri pansi pa 740, amatha kukumana ndi ndalama zowonjezera zikafikaFull Doc Jumbongongole.Mwachitsanzo, malinga ndi pepala lamtengo wapatali, wobwereka yemwe ali ndi chiwerengero cha FICO chapakati pa 660 ndi 679 amawona mtengo wowonjezera wa 1.250 mpaka 2.500 pa ngongole ya Expanded 30 Yrs Fixed Jumbo.Izi zikutanthauza kuti pangongole yokwana $1.5 miliyoni, wobwerekayo atha kuyang'ana ndalama zowonjezera kuyambira $18,750 mpaka $37,500, zomwe zimakhudza mtengo wonse wa ngongoleyo.

Kusintha kwamitengo yamagulu osiyanasiyana a FICO
Zosintha pamitengo yaFull Doc JumboNgongole zimafotokozedwa momveka bwino ndi kuchuluka kwa FICO ndi maperesenti a Loan-to-Value (LTV).Monga momwe zasonyezedwera m'chikalatacho, zosinthazo zimatha kusiyanasiyana kutengera magulu angongole.Kwa wobwereka yemwe ali ndi FICO yapamwamba pamwamba pa 780, kusintha kwamitengo kulibe kapena kucheperachepera, pomwe omwe ali ndi ziwerengero zotsika za 600s atha kukumana ndi zokwera mtengo zowonjezera.

Mwachitsanzo, tiyeni tiganizire za munthu amene akufuna kugula akuyang'ana kondomu yamtengo wapatali ya $2 miliyoni ku Los Angeles.Ngati wogula ali ndi mphambu ya FICO mumitundu ya 720-739 ndikusankha Ngongole Yowonjezera ya 30 Yrs Fixed Jumbo, angakumane ndi kusintha kwa mtengo kwa 0.500 point, zomwe zikutanthauza kuti $10,000 yowonjezera pamtengo wawo wangongole.

Chikalatacho chikuwonetsanso malingaliro apadera, monga chigamulo chakuti katundu wochokera ku China ndi wosavomerezeka, kuphatikizapo mphatso.Izi zitha kukhala zofunikira makamaka kwa ogula ochokera kumayiko ena kapena omwe amadalira ndalama zakunja pogula nyumba zawo.

Kuyendera Magawo Opambana a Kubwereketsa-Kutengera Mtengo
Komanso, pepala la ngongole limafotokoza kuti Maximum Loan-to-Value (LTV) kapena Combined Loan-to-Value (CLTV) akhoza kuchepetsedwa ndi 5% ngati lipoti loyesa likuwonetsa kuchepa kwa mtengo wamsika.Izi zikugogomezera kufunikira kwa zochitika zogulitsa nyumba ndi kuwerengera msika pamitengo ya ngongole, makamaka kwaFull Doc Jumbongongole zothandizira gawo lanyumba zapamwamba.

Pomaliza
Kwa ogula nyumba apamwamba omwe ali ndi ziwerengero zotsika za FICO, ngongole za Full Doc Jumbo zimapereka njira yodalirika yopezera nyumba, ngakhale ndi ndalama zowonjezera zowonetsera chiwopsezo chokhudzana ndi kutsika kwa ngongole.Kumvetsetsa zenizeni za ngongolezi, kuyambira chiwongola dzanja mpaka kusintha kwamitengo kutengera magulu a FICO/LTV, ndikofunikira kwambiri popanga chisankho mwanzeru.Malo obwereketsa akhoza kukhala ovuta, koma ndi chidziwitso choyenera ndi chitsogozo, kupeza ngongole ya Full Doc Jumbo, ngakhale ndi chiwerengero chochepa cha FICO, n'chotheka.Ogula akuyenera kudziwa za ma nuances awa akamadutsa njira yopezera ngongole yoyenera pazachuma komanso zokhumba zawo zakunyumba.

Kanema:Kuyendetsa Ngongole Zambiri za Doc Jumbo: Chitsogozo Chowona Padziko Lonse la Ogula Okhala ndi Zigoli Zotsika za FICO

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