Nigute Prime Yuzuye Doc Jumbo Yoroshya Inguzanyo Zinguzanyo

Kuyobora isi yaInguzanyo ya JumbosUrashobora kumva uteye ubwoba, cyane cyane iyo amaso yawe ashyizwe kumitungo ifite igiciro kirenze imipaka isanzwe. InjiraPrimeInyandiko yuzuyeJumbo, ingufu zinguzanyo zingufu zagenewe koroshya inzira mugihe utangaumubare munini w'inguzanyono gukuraho ubwishingizi bw'inguzanyo ku giti cyabo (PMI). Ku baguzi birukanye inzu yabo yinzozi - yaba inzu yagutse cyangwa inzu nziza yo mu mujyi - iyi nguzanyo itanga inzira yoroheje yo gutunga hamwe ninyungu zidasanzwe.

Intangiriro yacyo ,.Prime Yuzuye Doc Jumboni Kuriinguzanyo ya jumboabashaka bakeneye amafaranga arenga $ 1,149.825 ntarengwa ntarengwa yashyizweho muri 2025 mu ntara zihenze cyane muri Amerika. Ni inguzanyo yuzuye, bivuze ko abahawe inguzanyo bagomba gutanga imyaka ibiri yerekana imenyekanisha ryimisoro hamwe namakuru arambuye yinjiza - uhereye kumushahara W-2 kugeza kumushahara wikorera wenyine cyangwa no gukodesha. Uku gukorera mu mucyo byemeza koumubare munini w'inguzanyozirashobora kugera kubantu benshi, barimo abanyamerika, abahatuye, nabatuye burundu bafite nimero yubwiteganyirize, nkuko bigaragara mumabwiriza ya Matrix.

Ubushobozi bwo kurinda umutekanoumubare munini w'inguzanyoni Ibisobanuro. Tekereza umuryango uri i Chicago ureba inzu ya mateka miliyoni 3. Hamwe naPrime Yuzuye Doc Jumbo, barashobora gutera inkunga ubwo buguzi hamwe na 5% hasi niba LTV ari 70% cyangwa munsi yayo, cyangwa 10% niba iri hejuru - byose bivuye mumitungo yabo bwite. Amafaranga yimpano ntabwo ari amahitamo kubigega cyangwa amazu ya kabiri, ariko gahunda ihindagurika hamwe nisoko ryinjiza - nka bonus, komisiyo, cyangwa pansiyo yizabukuru - bituma ikubiyemo. Raporo ya Redfin ivuga ko inguzanyo ya jumbo zingana na 20% yo kugura amazu meza mu 2024, bikaba bigendaPrime Yuzuye Doc Jumboyiteguye kwihuta.

Ikindi gishushanyo gikomeye?Nta PMI. Inguzanyo gakondo ya jumbo ikenera PMI mugihe ubwishyu bwamanutse munsi ya 20%, hiyongeraho amagana kumafaranga. UwitekaPrime Yuzuye Doc Jumbogusiba aya mafaranga burundu, kubohora amafaranga kubafite amazu kugirango bishimire imitungo yabo. Ku nguzanyo ingana na miliyoni 2.8 z'amadolari, ibi bishobora gusobanura kuzigama $ 400 buri kwezi - amafaranga yakoreshejwe neza mu kuzamura cyangwa gushora imari. Iyi perk, ihujwe naumubare munini w'inguzanyo, shyira inguzanyo nkicyifuzo cyambere kubaguriza bazi neza.

Ibipimo by'inguzanyo no gusuzuma bishimangira ubwizerwe. Abagurijwe bakeneye imirongo ine yubucuruzi, imwe ifite amateka yamezi 24, hamwe n’amezi 12 yo kwishyura. Ibicuruzwa bigomba gusuzumwa mugihe cyumwaka ushize, hamwe noguhindura amasoko yataye agaciro. Ibi bisabwa byemeza koinguzanyo ya jumbogutera inkunga bikomeza kuba umutekano, ndetse no kubucuruzi bwamadorari menshi. Nyirinzu ufite uburambe bwimyaka ibiri, nkurugero, ashobora gukoresha iyi nguzanyo kugirango agure umutungo wubukode bwa miliyoni 2.5 $, akoresha amafaranga yubukode kugirango abone ibyangombwa.

UwitekaPrime Yuzuye Doc Jumboyandika kandi imitungo iterwa inkunga kuri batanu kubanza guturamo na bine kumazu ya kabiri cyangwa ishoramari, ikomeza inguzanyo iringaniye kubaguriza. Amahitamo yimyaka 30 yagenwe cyangwa 7/6 ARM amahitamo arusheho kunoza guhinduka, kureka abaguzi bahitamo amagambo ahuye ningamba zabo zamafaranga. Ku isoko ahoinguzanyo ya jumboni ngombwa cyane-kuri Association Mortgage Bankers Association-iki gicuruzwa kigaragara kubworoshye n'agaciro.

Kurangiza ,.Prime Yuzuye Doc Jumboiinguzanyo ya jumboimiterere. Hamwe naumubare munini w'inguzanyo,nta PMI., hamwe nuburyo busobanutse bujuje ibisabwa, ni igisubizo giha imbaraga abaguzi gutekereza cyane nta mbogamizi zisanzwe. Waba uri umuguzi wa mbere wigiciro cyinshi cyangwa umushoramari wabimenyereye, iyi nguzanyo itanga ibikoresho byo guhindura ibyifuzo mubyukuri.