Kana zvasvika pakuwana chikwereti chejumbo chine yakaderera FICO mamaki, vazhinji vangangove varidzi vemba vanonzwa kuremerwa. Nekudaro, kunzwisisa manuances ezvikwereti zvejumbo uye kuti yako FICO mamakisi inobata sei kukodzera kwako kunogona kugadzira nzira yekuva muridzi wemba, kunyangwe nechikwereti chishoma-kupfuura-chakakwana. Mugwaro iri, tichaongorora zvakakosha kuti uwane chikwereti chejumbo chine yakaderera FICO mamakisi.

Chii chinonzi Jumbo Loan?

Chikwereti chejumbo imhando yemondi inodarika miganho yechikwereti inoenderana yakatarwa neFederal Housing Finance Agency (FHFA). Kunzvimbo zhinji dzeUnited States, muganho uyu i$726,200, asi unogona kukwira munzvimbo dzinodhura. Zvikwereti zveJumbo zvakagadzirirwa dzimba dzeumbozha uye zvivakwa munzvimbo dzinodhura zvakanyanya uko miganho yechikwereti haina kukwana.

Kunzwisisa FICO Zvikoro

Chibodzwa chako cheFICO chinhu chakakosha pakuona kukodzera kwako kuwana chikwereti. Zvibodzwa zvinotangira pa300 kusvika pa850, zvibodzwa zvepamusoro zvinoratidza kukweretwa kuri nani. A low FICO mamakisi, anowanzoonekwa seari pasi pe620, anogona kuunza matambudziko paunenge uchinyorera remba, kunyanya chikwereti chejumbo.

Matambudziko Ekuchengetedza Chikwereti cheJumbo chine Yakaderera FICO Score

1. Zvinodikanwa Zvakaoma: Vanokweretesa vanoona zvikwereti zvejumbo sezvine njodzi nekuda kwehukuru hwazvo uye kushomeka kwerutsigiro rwehurumende. Nekuda kweizvozvo, ivo vanomanikidza zvakaomesesa zvinodikanwa, kusanganisira epamusoro kiredhiti mamakisi.
2. Higher Interest Rates: Vanokwereta vane zvishoma FICO zvikoro vanowanzotarisana nemitengo yepamusoro, zvichiita kuti zvikwereti zvejumbo zvidhure nekufamba kwenguva.
3. Yakakura Kubhadhara Kubhadhara: Kugadzirisa njodzi, vanokweretesa vangada mari yakakura kubva kune vanokwereta vane yakaderera FICO zvikoro. Izvi zvinogona kubva pa20% kusvika ku30% yemutengo wepfuma.

Maitiro eKuvandudza Mikana Yako

1. Vandudza Yako FICO Score: Usati wanyorera chikwereti chejumbo, tora matanho ekuvandudza yako FICO mamakisi. Bhadhara chikwereti chiripo, dzivirira kubvunza kutsva kwechikwereti, uye simbisa kubhadhara nenguva kumaakaundi ese.
2. Wedzera Kubhadhara Kwako Kwepasi: Kubhadhara kwakakura pasi kunogona kuderedza njodzi inoonekwa nevakweretesi. Izvi hazvingonatsiridze mikana yako yekubvumidzwa chete asi zvinogona kuguma nematemu arinani echikwereti.
3. Showcase Kugadzikana Kwemari: Kuratidza mari yakagadzikana, mari yakachengetwa, uye chikwereti chakaderera-kune-reshiro inogona kubatsira kugonesa vanokweretesa kugona kwako kubhadhara chikwereti.

Alternative Options

Kana kuwana chikwereti chejumbo ine yakaderera FICO mamakisi zvichiratidza kunetsa, funga dzimwe sarudzo dzemari:

• FHA Zvikwereti: Zvikwereti izvi zvinotsigirwa nehurumende zvine zvakawanda zvinodikanwa zvechikwereti uye zvinogona kuve sarudzo inoshanda kune avo vane yakaderera FICO zvibodzwa.
• VA Zvikwereti: Kune veterans vanokodzera uye vanoshandira-basa basa nhengo, VA zvikwereti zvinopa mazwi emakwikwi uye hazvidi yakakwira kiredhiti mamakisi.

Mhedziso

Kuwana chikwereti chejumbo nechepasi FICO mamakisi pasina mubvunzo kwakaoma, asi hazvigoneke. Nekunzwisisa zvinodikanwa uye kutora matanho ekugadzirisa hupfumi hwako, unogona kuwedzera mikana yako yekuwana chikwereti chaunoda. Rangarira, moyo murefu uye kugadzirira ndiwo kiyi yekufambisa kuomarara kwezvikwereti zvejumbo ine yakaderera FICO mamaki.

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.