08/23/2023

Kunzwisisa Jumbo Zvikwereti: Tsanangudzo uye Kukodzera

Zvikwereti zveJumbo, kana kuti Jumbo Mortgages, zvinopa huwandu hwechikwereti chepamusoro kune zvivakwa zvinodarika mwero wechikwereti wakatemerwa neFederal Housing Finance Agency (FHFA).Kana uri kutenga imba ine mutengo pamusoro pemuganho wechikwereti munharaunda yako, ungangoda kufunga nezvechikwereti chejumbo.Vanokwereta vanowanzova nemari yakakwira kuti vakwanise kubhadhara mari dzepamwedzi dzemumba dzine chekuita nerudzi urwu rwechikwereti.

Paunenge uchinyorera chikwereti chejumbo, pane akati wandei maitiro aunowanzo fanirwa kusangana nawo:
1. Zvikwereti zvakakwirira: Nekuda kwechikwereti chakakura, chibodzwa chechikwereti chepamusoro chinowanzodiwa.Iwo chaiwo mamakisi anogona kusiyana nemukweretesi uye dunhu, asi kazhinji inoda kuve 720 kana pamusoro.

2. Chikwereti chakaderera-kusvika-reshiyo: Vanokwereta vanowanzoda chikwereti-ku-income (DTI) pasi pe43%.Izvi zvinoreva kuti mari yako yekubhadhara chikwereti chemwedzi wega wega (kusanganisira yako yaunotarisira imba, zvikwereti zvemotokari, zvikwereti zvevadzidzi, uye kubhadhara kadhi rechikwereti) inofanira kunge iri pasi pe43% yemari yaunowana pamwedzi.

3. Kuchengetedza kwakakwana: Nekuda kwechikwereti chepamusoro, vanokwereta vanowanzodiwa kuti vawane mari yakakwana kana kuchengetedza (mari, masheya, mabhondi, nezvimwewo) kuti vabhadhare chikwereti chemba kwemwedzi yakati wandei mune ramangwana.

4. Kuongorora imba: Panzvimbo yauri kuda kutenga, vanokweretesa vanowanzoda kuongororwa kwemba kuti vaone kuti mari yechikwereti haipfuure kukosha chaiko kwemba.

Uyezve, iwe unogona kudiwa kuti uite imwe pesenti yekubhadhara pasi.Kune zvikwereti zvakajairika, izvi zvinogona kuve chero kubva pa3% kusvika 20%.Nekudaro, kune zvikwereti zvejumbo, ungangoda kuisa pasi 20% kusvika 30%, kana kutopfuura.AAA LENDINGS inopa aFull Doc Jumbochigadzirwa chine makore makumi matatu ekubhadhara yakatarwa nguva uye muripo wakaderera wegumi neshanu% chete (uine kiredhiti kiredhiti ye720), uye kiredhiti kiredhiti yakaderera se660 yechikwereti chepamusoro chemadhora zviuru zviviri nemazana maviri.

Kunyangwe zvikwereti zvejumbo zvichigona kuuya nemhindu yepamusoro uye zvakaomesesa zvinodiwa, zvinopa sarudzo kune avo vari kutsvaga kutenga nzvimbo munzvimbo inodhura.Kana iwe uchikwanisa kuzadzisa zvinodiwa uye uchibhadhara mari yemwedzi, chikwereti chejumbo chinogona kuve sarudzo inoshanda.

Kusarudza Iyo Yakakodzera Mortgage Nguva: Zvinhu uye Zvinokurudzira

Kusarudza nguva yekubhadhara kwako isarudzo yakakosha mukuita chikwereti.Matemu akasiyana anogona kukanganisa mubhadharo wako wepamwedzi, mareti emubereko, uye huwandu hwese hwekubhadhara.Paunosarudza nguva yekukwereta, funga zvinotevera:

1. Muripo wemwedzi wega wega: Matemu mapfupi echikwereti (semakore gumi nemashanu) anowanzoreva mari inobhadharwa pamwedzi, asi mari shoma inobhadharwa.Matemu echikwereti akareba (semakore makumi matatu) anoreva mubhadharo wepamwedzi wakaderera, asi mubereko wakawanda wakabhadharwa.Iwe unofanirwa kusarudza zvaunogona kutenga mwedzi wega wega zvichienderana nemamiriro ako emari.

2. Chibereko chemubereko: Matemu mapfupi echikwereti anowanzouya nemhindu yakaderera.Kunyange zvazvo mari dzepamwedzi dzezvikwereti zvenguva diki dzakakwira, mubereko wakaderera unogona kureva kuchengetwa kwese.

3. Kugadzikana kwemari: Kana uine mari yakagadzikana, unokwanisa kubhadhara mari yakawanda pamwedzi uye unogona kufunga nezvechikwereti chenguva pfupi.Kana mari yaunowana isina kugadzikana kana isina chokwadi, chikwereti chenguva refu chinogona kunge chiri nani sezvo mubhadharo wepamwedzi uri pasi.

4. Zvinangwa zvemari: Unoda kubhadhara chikwereti nokukurumidza sezvinobvira here?Izvo zvinokanganisa nguva yechikwereti yaunosarudza.Kana iwe uchivavarira kuve neimba yako nekukasira sezvinobvira, mubairo wenguva pfupi ungave wakakodzera.Asi kana iwe uchida kuchengetedza mari uye kuchengetedza mari kune mamwe mainvestimenti, chikwereti chenguva refu chingave chakakodzera.

5. Zvirongwa zvekurega basa: Unoronga kurega rini?Unoda kuti mortgage yako ibhadharwe panguva iyoyo?Kana iwe uchida kusununguka-isina mari kubva pamudyandigere, unogona kusarudza nguva yechikwereti inozobhadharwa usati waenda pamudyandigere.

6. Mamiriro emusika: Mberero yemusika iripo yakakwirira kana yakaderera here?Zvinganyanya kubatsira kuvharira chikwereti chenguva refu kana mibairo yakaderera.

Mhedzisiro yeMortgage Default

Ingave chikwereti chenguva dzose kana jumbo, kutadza inyaya yakakomba uye inofanira kudzivirirwa kana zvichibvira.Kana ukatadza kubhadhara chikwereti chako chawakabhadhariswa, unogona kutarisana nemhedzisiro inotevera:

Kukuvadzwa kwekiredhiti mamakisi: Defaulting inogona kukuvadza zvakanyanya chikwereti chako, zvichikanganisa manyorerwo echikwereti emangwana.
Foreclosure: Kana iwe ukaramba uchitadza, bhangi rinogona kusarudza kufanotaura uye kutengesa imba yako kuti idzore chikwereti chayo.
Nyaya dzemutemo: Unogonawo kutarisana nedanho repamutemo nekuda kwekutadza.

Mukupedzisa, zvikwereti zvejumbo zvinopa mikana mumisika yedzimba dzemhando yepamusoro, asi kuchenjerera kunofanirwa kuitwa kana uchitsvaga chikwereti chakadaro.Iwe unofanirwa kunzwisisa maitiro ekukodzera, sarudza iyo yakakodzera renji temu, uye kunyatsonzwisisa mhedzisiro yemortgage default.

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.