11/15/2023

Rwendo rwekuva muridzi wemba kune avo vane zvibodzwa zvakaderera zveFICO vanowanzonzwa senge hondo yekukwira, kunyanya kana wakatarisa dzimba dzeumbozha mumisika yemakwikwi.Zvikwereti zvakazara zveDoc Jumbo zvinoshanda senzira yakakosha yevatengi ava, zvichivapa mukana wekutenga zvivakwa zvemhando yepamusoro.Mumaguta akaita seLos Angeles, uko mitengo yezvivakwa inokwira pamusoro peyakajairwa zvikwereti,Full Doc Jumbozvikwereti hazvingobatsiri chete asi zvakakosha kune vatengi vane nhoroondo shoma-kupfuura-yakakwana yechikwereti.

Kunzwisisa Jumbo Zvikwereti

Chikwereti cheJumbo, sekureva kunoita zita, chinopa mari yezvinodiwa zvezvivakwa zviri mutengo pamusoro pechikumbaridzo chakatarwa nemabhizinesi anotsigirwa nehurumende akadai saFannie Mae naFreddie Mac.Ichi chikumbaridzo chinowanzo kunzi muganho unoenderana nechikwereti, uyo, munzvimbo zhinji dzeUnited States, wakaiswa pamadhora mazana matanhatu nemakumi mana nemazana maviri.Nekudaro, munzvimbo dzinodhura seLos Angeles,Full Doc Jumbozvikwereti zvinokwanisa kubhadhara zvivakwa kubva pamadhora mazana mana kusvika pamamiriyoni mana emadhora, zvichipa mhinduro inodiwa kune vanotenga dzimba dzeumbozha.

Sravana Sameeralu Serial 4th Jumbo Loans
Kana zvasvikaFull Doc Jumbozvikwereti, kutarisisa kune zvakadzama ndiko kwakakosha.Vanokweretesa vanoda magwaro akakwana kuti vaongorore hutano hwemari yemukwereti, kusanganisira mari, midziyo, uye, zvakakosha, zvibodzwa zveFICO.Izwi rekuti 'Full Doc' rinosimbisa mwero wezveruzivo rwunodiwa mukuita zvinyorwa, izvo kune avo vane zvibodzwa zvakaderera zveFICO, zvinotonyanya kukosha kuti vasimbise kukweretwa kwavo.

Zvakajeka zveLow FICO Score Vanokwereta
Vanokwereta vane zvibodzwa zvakaderera zveFICO, kazhinji pazasi pechikumbaridzo che740, vanogona kuzviwana vakatarisana nemitengo yekuwedzera kana zvasvikaFull Doc Jumbozvikwereti.Semuyenzaniso, maererano nereti pepa, munhu anokwereta ane FICO mamakisi ari pakati pe660 ne679 aizoona mari yakawedzerwa ye1.250 kusvika 2.500 mapoinzi pane Yakawedzerwa 30 Yrs Fixed Jumbo chikwereti.Izvi zvinoreva kuti pachikwereti chemari inosvika miriyoni imwe nechidimbu chemadhora, mukwereti anogona kunge achitarisa imwe mari inotangira pamadhora gumi nemasere 750 kusvika pamadhora makumi matatu nemazana mashanu nemazana mashanu, zvichikanganisa mutengo wese wechikwereti.

Kugadziriswa Kwemitengo kune Akasiyana FICO Mabhendi
Kugadziriswa kwemitengo yeFull Doc Jumbozvikwereti zvinotsanangurwa zvakajeka neFICO zvibodzwa uye Loan-to-Value (LTV) muzana.Sezvinoratidzwa mugwaro, zvigadziriso zvinogona kusiyana zvakanyanya zvichienderana nemabhendi echikwereti.Kune anokwereta ane chepamusoro-tier FICO mamakisi ari pamusoro pe780, kugadziridzwa kwemitengo hakuna kana kushoma, nepo avo vane zvibodzwa muzasi 600s vanogona kuzviwana vakatarisana nekuwedzera kukwira kwemitengo.

Semuyenzaniso, ngatitarisei munhu angangove mutengi achitarisa pacondo yeumbozha ine mutengo we$2 miriyoni muLos Angeles.Kana mutengi aine chibodzwa cheFICO muchikamu che720-739 uye osarudza Yakawedzerwa 30 Yrs Fixed Jumbo chikwereti, vanogona kusangana nekugadziriswa kwemutengo kwe0.500 points, iyo inoshandura kune imwezve madhora gumi pamutengo wavo wechikwereti.

Gwaro iri rinoburitsawo pfungwa dzakakosha, senge clause yekuti midziyo kubva kuChina haigamuchirwe, kusanganisira zvipo.Izvi zvinogona kunyanya kukosha kune vatengi vekunze kana avo vanovimba nemari yekunze kwekutenga kwavo imba.

Kufambisa Chikwereti-ku-Ku-Value Ratios
Uyezve, pepa rechikwereti rinotsanangura kuti Maximum Loan-to-Value (LTV) kana Combined Loan-to-Value (CLTV) inogona kudzikiswa ne5% kana mushumo weappraisal ukaratidza kuderera kwemutengo wemusika.Izvi zvinosimbisa kukosha kweiyo real estate maitiro uye kukosha kwemusika pamatemu echikwereti, kunyanya kuneFull Doc Jumbozvikwereti zvinopa chikamu chemba cheumbozha.

Mukupedzisa
Kune vanotenga dzimba dzeumbozha vane zvibodzwa zvakaderera zveFICO, zvikwereti zvakazara zveDoc Jumbo zvinopa nzira inogoneka yekuva muridzi wemba, zvisinei nemari yekuwedzera inoratidza njodzi ine chekuita nechikwereti chakaderera.Kunzwisisa zvakanangana nezvikwereti izvi, kubva pamitengo yemitengo kusvika pakugadzirisa mutengo kunoenderana nemabhendi eFICO/LTV, kwakakosha pakuita sarudzo ine ruzivo.Mamiriro ekukweretesa anogona kuve akaomarara, asi neruzivo rwakakwana uye nhungamiro, kuchengetedza Full Doc Jumbo chikwereti, kunyangwe ine yakaderera FICO mamaki, irikusvika.Vatengi vanofanirwa kuziva nezvemanuances aya pavanenge vachifamba munzira yekutora chikwereti chakakodzera mamiriro avo emari uye zvishuwo zvekumba zvekurota.

VhidhiyoKufambisa Zvikwereti zvakazara zveDoc Jumbo: Iyo Chaiyo-Nyika Inotungamira yeVatengi vane Yakaderera FICO Zvikoro

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