Hapana PMI Jumbo Zvikwereti Inogona Kukubatsira Iwe Kuchengetedza Hombe Mortgage

Kana iwe uchitsvaga kutenga chivakwa chemhando yepamusoro, unogona kuzviwana uchifunga nezve Jumbo Loan kuti uwane mari yekutenga imba yako. Kana yabatanidzwa neKwete Pmisarudzo, Jumbo Loan inotonyanya kukwezva kune vanotenga dzimba vari kutsvaga Mahombe Mortgages. Muchikamu chino, tichanyura mumabhenefiti eNo PMI Jumbo Zvikwereti uye nei iri sarudzo yakanaka kune vakawanda vatengi mumusika wezvivakwa nhasi.

Chii chinonzi No PMI Jumbo Chikwereti?

A No PMI chikwereti chikwereti chisingade Private Mortgage Inishuwarenzi (PMI). PMI inowanzodiwa kana mukwereti achibhadhara mari isingasviki 20% pachikwereti chakajairwa, kudzivirira mukweretesi kana mukwereti akatadza. Nekudaro, neNo PMI Jumbo Chikwereti, vatengi vanogona kudzivirira iyi mari yekuwedzera pamwedzi, zvichiita kuti zvive nyore kubata hombe dzechikwereti.

Jumbo Loans, iyo inodarika miganho inowirirana yechikwereti yakatemerwa neFederal Housing Finance Agency (FHFA), inoshandiswa kune Mahombe Mortgages uye inowanzoda zvibodzwa zvepamusoro zvechikwereti uye mubhadharo wakakura wakaderera. Kana iwe uri kutenga chivakwa chepamusoro-soro, ungangoda Chikwereti cheJumbo uye unogona kubatsirwa kubva kuNo PMI sarudzo kana iwe uchida kuchengetedza mari yako yembavha ichikwanisika.

Zvakanakira Hapana PMI Jumbo Zvikwereti

Kubatsira kwakanyanya kweNo PMI Jumbo Loan ndiko kugona kuderedzwa kwekubhadhara pamwedzi. Traditional Jumbo Loans inowanzouya nemari yakakwira pamwedzi nekuda kwemitengo yePMI. Nekusarudza Kwete PMI chikwereti, unogona kudzivirira idzi mari dzekuwedzera uye kuchengetedza mazana kana kunyange zviuru zvemadhora pagore.

Uyezve, Hapana PMI Jumbo Zvikwereti zvinogona kukubvumidza kuti ugovane yakawanda yemari yako kune yakakosha chiyero chechikwereti chako, ichimhanyisa iyo payoff pro.IZVIs. Izvi zvinonyanya kubatsira kune vatengi veMahombe Mortgages, sezvo ivo vanowanzo tarisana nemitengo yakakwira yemubereko uye zvikwereti zvakakura zvechikwereti. Nekusabhadhara PMI, unogona kubhadhara pasi pemba yako nekukurumidza uye kuderedza mubereko wese wakabhadharwa nekufamba kwenguva.

Hapana PMI Jumbo Chikwereti Chinoshanda

Kazhinji, Jumbo Zvikwereti zvinoda inokwana makumi maviri muzana mubhadharo wepasi, asi vamwe vanokweretesa vanopa Hapana PMI sarudzo nemubhadharo wepasi wakaderera se10-15%. Nepo sarudzo idzi dzingasiyana zvichienderana nemukweretesi, pfungwa iri kuseri kweNo PMI Jumbo Loans ndeyekubatsira vanotenga dzimba vane mutengo wepamusoro kuti vadzivise imwe mutengo wePMI, pasina kubaira mari yechikwereti inodiwa kutenga nzvimbo yavanoda.

Kune avo vari kutsvaga Hombe Mortgages, izvi zvinogona kuve zvakakosha bhenefiti. Sezvo mitengo yezvivakwa ichiramba ichikwira munzvimbo dzakawanda, kunyanya mumisika yakaita seCalifornia kana New York, kuwana No PMI Jumbo Loans kunogona kuderedza zvakanyanya mutengo wekukwereta uye kuita kuti zvive nyore kune vatengi kupinda mumusika wepamusoro wedzimba.

Zvekufunga Usati Wanyorera Kusina PMI Jumbo Chikwereti

Kunyangwe Hapana PMI Jumbo Zvikwereti iri sarudzo yakanaka kune vazhinji vatengi, inogona kunge isina kukodzera kumunhu wese. Nekuti zvikwereti izvi zvinosanganisira hombe yemari, ivo vanowanzoda yakanakisa kiredhiti mamakisi, yakasimba nhoroondo yezvemari, uye mubhadharo wakakura. Pamusoro pezvo, maJumbo Loans anowanzo kuuya nemareti emubereko akakwira zvichienzaniswa nezvikwereti zvakajairika.

Usati wanyorera yeNo PMI Jumbo Loan, zvakakosha kuti uve nechokwadi chekuti mamiriro ako emari anoenderana nezvinodiwa. Kubvunzana nenyanzvi yemortgage kunogona kukubatsira kuona kana rudzi urwu rwechikwereti chiriyo yakanakisa sarudzo yekutenga kwako imba.

Mhedziso

A Kwete PMI Jumbo Chikwereti chinogona kuve chishandiso chine simba kune avo vari kutsvaga Mahombe Mortgages uye kuda kudzivirira mari yakawedzerwa yePrivate Mortgage Inishuwarenzi. Nekuchengetedza pamitengo yePMI, unogona kuderedza mari yako yemwedzi nemwedzi yekubhadhara imba uye kutarisa kubhadhara chikwereti chako nekukurumidza. Kana iwe uri mumusika weimba yepamusoro-soro, funga kuongorora Hapana PMI Jumbo Zvikwereti kuti imba yako yemba ishande uye inokwanisika. Senguva dzose, ita shuwa kubvunzana neanopa chipangamazano wemortgage kuti aone sarudzo dzakanakisa dzechikwereti kune zvaunoda iwe pachako.