23/8/2023

Gusobanukirwa Inguzanyo ya Jumbo: Ibisobanuro nubushobozi

Inguzanyo ya Jumbo, cyangwa Inguzanyo ya Jumbo, itanga amafaranga menshi yinguzanyo kumitungo irenze imipaka yinguzanyo yashyizweho n’ikigo cy’imari gishinzwe imiturire (FHFA).Niba ugura inzu igiciro kiri hejuru yumubare winguzanyo mukarere kawe, ushobora gukenera gusuzuma inguzanyo ya jumbo.Abaguriza mubusanzwe bafite amafaranga menshi yo kwishyura buri kwezi kwishyura inguzanyo ijyanye nubu bwoko bwinguzanyo.

Mugihe usaba inguzanyo ya jumbo, hari ibintu byinshi ugomba kuba wujuje:
1. Amanota menshi yinguzanyo: Kubera umubare munini winguzanyo, hasabwa amanota menshi yinguzanyo.Amanota yihariye arashobora gutandukana nabatanga inguzanyo nakarere, ariko mubisanzwe bigomba kuba 720 cyangwa hejuru.

2. Ikigereranyo gito cyimyenda-yinjiza: Abaguriza mubusanzwe bakeneye umwenda-winjiza (DTI) uri munsi ya 43%.Ibi bivuze ko kwishyura imyenda yawe ya buri kwezi (harimo inguzanyo zawe, inguzanyo zimodoka, inguzanyo zabanyeshuri, hamwe namakarita yinguzanyo) bigomba kuba munsi ya 43% yinjiza buri kwezi.

3. Kuzigama bihagije: Kubera umubare munini w'inguzanyo, abahawe inguzanyo basabwa kugira amafaranga ahagije cyangwa kuzigama (amafaranga, imigabane, ingwate, nibindi) kugirango bishyure inguzanyo mumezi menshi mugihe kizaza.

4. Isuzuma ryurugo: Kubintu uteganya kugura, abatanga inguzanyo mubisanzwe bakeneye isuzumwa ryinzu kugirango barebe ko inguzanyo itarenze agaciro nyako k'urugo.

Byongeye kandi, urashobora gusabwa gukora ijanisha runaka ryo kwishyura mbere.Ku nguzanyo zisanzwe, ibi birashobora kuba ahantu hose kuva 3% kugeza 20%.Ariko, kubwinguzanyo ya jumbo, ushobora gukenera gushyira hasi 20% kugeza 30%, cyangwa nibindi byinshi.INGINGO ZA AAA zitanga aDoc Jumboibicuruzwa bifite imyaka 30 yigihe cyo kwishyura kandi byishyuwe byibuze 15% gusa (hamwe ninguzanyo ntarengwa ya 720), naho amanota ntarengwa yinguzanyo agera kuri 660 kumafaranga ntarengwa yinguzanyo ya 2.000.000.

Nubwo inguzanyo ya jumbo ishobora kuza ifite inyungu nyinshi hamwe nibisabwa bikaze, zitanga amahitamo kubashaka kugura umutungo mukarere gahenze cyane.Niba ushobora kuzuza ibisabwa kandi ukishyura buri kwezi, inguzanyo ya jumbo irashobora guhitamo neza.

Guhitamo Igihe Cyinguzanyo Cyukuri: Ibintu nibyifuzo

Guhitamo igihe cyinguzanyo yawe nicyemezo cyingenzi mugikorwa cyinguzanyo.Amagambo atandukanye arashobora kugira ingaruka kumushahara wawe wa buri kwezi, igipimo cyinyungu, hamwe namafaranga yo kwishyura yose.Mugihe uhisemo igihe cyinguzanyo, suzuma ingingo zikurikira:

1. Kwishyura buri kwezi: Igihe gito cyinguzanyo (nkimyaka 15) mubisanzwe bisobanura kwishyura buri kwezi, ariko inyungu zose zishyuwe.Igihe kirekire cyinguzanyo (nkimyaka 30) bisobanura kwishyura buri kwezi, ariko inyungu zose zishyuwe.Ugomba guhitamo icyo ushobora kugura buri kwezi ukurikije uko ubukungu bwawe bumeze.

2. Igipimo cyinyungu: Amasezerano ngufi asanzwe azanwa ninyungu nkeya.Nubwo kwishyura buri kwezi ku nguzanyo zigihe gito ari byinshi, inyungu ntoya irashobora gusobanura kuzigama muri rusange.

3. Ihungabana ryinjira: Niba ufite amafaranga ahamye, urashobora kwishyura buri kwezi kandi ushobora gutekereza inguzanyo mugihe gito.Niba amafaranga winjiza adahungabana cyangwa adashidikanywaho, inguzanyo yigihe kirekire irashobora kuba nziza kuva kwishura buri kwezi ari muke.

4. Intego zamafaranga: Urashaka kwishyura inguzanyo vuba bishoboka?Ibyo bizagira ingaruka ku gihe cyinguzanyo wahisemo.Niba ufite intego yo gutunga inzu yawe byihuse bishoboka, inguzanyo yigihe gito irashobora kuba nziza.Ariko niba ushaka kugumana ibintu neza no kuzigama amafaranga kubindi bishoramari, inguzanyo ndende irashobora kuba nziza.

5. Gahunda yizabukuru: Urateganya igihe cyizabukuru?Urashaka ko inguzanyo yawe yishyurwa icyo gihe?Niba ushaka kutagira inguzanyo ukoresheje ikiruhuko cy'izabukuru, urashobora guhitamo igihe cy'inguzanyo cyishyurwa mbere yuko ukukuruka.

6. Imiterere yisoko: Igipimo cyinyungu zubu kiri hejuru cyangwa kiri hasi?Birashobora kuba byiza gufunga inguzanyo ndende mugihe inyungu ziri hasi.

Ingaruka Z'inguzanyo Zisanzwe

Yaba inguzanyo isanzwe cyangwa jumbo, kutishyura nikibazo gikomeye kandi tugomba kwirinda niba bishoboka.Niba udashoboye kwishyura inguzanyo yawe yatanzwe, ushobora guhura n'ingaruka zikurikira:

Ibyangiritse ku manota y'inguzanyo: Gusiba birashobora kwangiza cyane amanota y'inguzanyo, bigira ingaruka kubisabwa mu gihe kizaza.
Kwamburwa: Niba ukomeje kutishyura, banki irashobora guhitamo kwambura no kugurisha inzu yawe kugirango yishyure umwenda.
Ibibazo byemewe n'amategeko: Urashobora kandi guhura n amategeko kubera kutubahiriza.

Mu gusoza, inguzanyo ya jumbo itanga amahirwe kumasoko yimiturire ifite agaciro kanini, ariko ugomba kwitonda mugihe ukurikirana inguzanyo nkiyi.Ugomba gusobanukirwa n'ibipimo byujuje ibisabwa, hitamo igihe gikwiye cyo gutanga inguzanyo, kandi usobanukirwe neza ingaruka ziterwa no kutishyura inguzanyo.

Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS;amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya.Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda.Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo.Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo.Shora ukurikije ingaruka zawe.