Kutsegula Ndalama Zanyumba Zapamwamba ndi Prime Full Doc Jumbo

Loto lokhala ndi nyumba yapamwamba ku United States nthawi zambiri limabwera ndi mtengo wokwera, makamaka muMadera Okwera mtengomonga California, New York, kapena Florida. Kwa ambiri omwe akuyembekezeka kugula, njira zachikhalidwe zobwereketsa nyumba sizikhala zokwanira pankhani yopezera ndalama za madola mamiliyoni ambiri. Apa ndi pamenePrimeFull DocJumboNgongole imalowa ngati yosintha masewera, yopereka mayankho oyenerera kwa omwe akufunandalama zopangira nyumba zapamwambandingongole zazikulu. Chopangidwa kuti chikwaniritse zosowa za anthu okwera mtengo, mankhwalawa amapereka kusinthasintha ndi mawu ampikisano omwe amapangitsa kuti eni nyumba apamwamba apezeke.

ThePrime Full Doc Jumbongongole ndi yabwino kwa obwereketsa mumadera okwera mtengokumene mitengo ya katundu nthawi zambiri imadutsa malire obwereketsa wamba. Malinga ndi Federal Housing Finance Agency (FHFA), ngongole ya 2025 yogwirizana kwambiri ndi $ 1,149,825 m'magawo ena, koma ngongole za jumbo zimapitilira pamenepo, zogulira zogula mpaka mamiliyoni. Kaya ndinu nzika ya US, wokhala kunthawi zonse, kapena wokhala kosakhazikika wokhala ndi nambala yovomerezeka ya Social Security, ngongoleyi imakhala ndi anthu osiyanasiyana obwereketsa. Mfungulo yake? Zolemba zonse za ndalama ndi katundu, kuwonetsetsa kuwonekera ndi kudalirika pakubwereketsa.

Chimodzi mwazinthu zodziwika bwino zaPrime Full Doc Jumbondi luso lake la zachumangongole zazikulupopanda kulemedwa ndi private mortgage insurance (PMI). Mwachitsanzo, wobwereketsa akugula nyumba ya $ 2.5 miliyoni ku Los Angeles - msika wokwera mtengo kwambiri - atha kuteteza ngongoleyi ndi malipiro otsika mpaka 5% mpaka 10% a ndalama zake zamadzimadzi, kutengera chiŵerengero cha ngongole-to-value (LTV). Ndi ma LTV a 70% kapena kuchepera, 5% yokha ndiyomwe ikufunika, pomwe ma LTV apamwamba amayitanitsa 10%. Kusinthasintha uku kumapatsa mphamvu ogula kuti asunge ndalama zomwe zikuyenda pomwe akulowa munyumba zapamwamba.

Kuyenerera kumatengera mbiri yolimba yazachuma. Opeza malipiro omwe ali ndi ndalama za W-2-kaya ndi malipiro, mabonasi, kapena maupangiri-atha kukhala oyenerera, monga momwe angachitire anthu odzilemba okha omwe ali ndi zaka ziwiri zobweza msonkho zomwe zikuwonetsa ndalama zomwe zimaperekedwa ndi eni eni eni kapena mabungwe. Ngakhale ndalama zomwe anthu osagwira ntchito, monga malipiro a renti kapena penshoni zopuma pantchito, ndizovomerezeka malinga ndi malangizo a pulogalamu ya Matrix. Mwachitsanzo, wabizinesi wodzilemba yekha ku San Francisco atha kupezerapo mwayi wobwereketsa kuchokera kumalo achiwiri pamodzi ndi phindu labizinesi kuti apeze phindu.Prime Full Doc Jumbongongole ya $3 miliyoni.

Kupatula ndalama, kubweza ngongole kumagwira ntchito yofunika kwambiri. Pulogalamuyi imafunikira mizere inayi yamalonda, kuphatikiza akaunti imodzi yogwira yomwe ili ndi mbiri ya miyezi 24, komanso mbiri yobwereketsa yanyumba kapena lendi (0x30x12). Izi zimatsimikizira kuti obwereketsa alowamadera okwera mtengo-kumene ndalama zimakhala zokwezeka, zimasonyeza kudalirika. Kuphatikiza apo, kuwunika kuyenera kuwonetsa momwe msika uliri pano, wokhala ndi katundu m'misika yomwe ikutsika (kutsika 5.01% kapena kupitilira apo) kutengera kuchepetsedwa kwa 5% kwa LTV, kuteteza wobwereketsa ndi wobwereketsa.

ThePrime Full Doc Jumbosikungokhudza manambala chabe, koma kutsegulira zitseko za malo ndi malo okhawo. Ndalama zanyumba zapamwamba nthawi zambiri zimakhala ndi katundu wapadera, kuchokera kumadera ambiri mpaka ma penthouse amakono, komanso kuchuluka kwa ngongoleyi.ngongole zazikuluamawonetsetsa kuti ogula sakukakamizidwa ndi zipewa wamba. Tengani malo okwana madola 4 miliyoni akumphepete mwa nyanja ku Miami: ndi mitengo yamtengo wapatali komanso yopanda PMI, ndalama zomwe zimasungidwa pakapita nthawi zimakhala zochulukirapo, zomwe zimalola eni nyumba kuti azigwiritsa ntchito moyo wawo m'malo molipira inshuwaransi.

Kumsika komwemadera okwera mtengoganizirani za Silicon Valley kapena ManhattanPrime Full Doc Jumboimaonekera ngati chisankho choyambirira. Imaphatikiza kupezeka ndi kusokonekera, kuthandiza iwo omwe amafuna zambiri kuchokera kubwereketsa kwawo. Kaya mukukonzekera kukhala nyumba yabwino kapena mukugulitsa nyumba yachiwiri, mankhwalawa amapereka mphamvu yazachuma kuti izi zitheke, zonse zikugwirizana ndi zolinga zanu zanthawi yayitali.