Kugenda Byaguwe Byuzuye Doc Jumbo Inguzanyo hamwe namanota make ya FICO

Kubona inguzanyo yo munzu birashobora kugorana, cyane cyane mugihe uhuye nibibazo bidasanzwe byubukungu. Kubashaka inguzanyo zingirakamaro ariko bafite inguzanyo-zidatunganye, basobanukiwe nuanse yagutse yuzuyejumboinguzanyo zifite amanota make ya FICO ni ngombwa. Iyi ngingo iragaragaza icyo kwagura inguzanyo zuzuye za doc jumbo arizo, uburyo zakira abahawe inguzanyo bafite amanota make ya FICO, nicyo ukeneye kumenya kugirango uyobore neza inguzanyo.

Niki Cyaguwe Cyuzuye Inguzanyo ya Doc Jumbo?

Inguzanyo yagutse yuzuye ya jumbo yagenewe abahawe inguzanyo bakeneye amafaranga menshi yinguzanyo arenze imipaka yinguzanyo yashyizweho na Fannie Mae na Freddie Mac. Izi nguzanyo zisaba ibyangombwa byuzuye kugirango hamenyekane uwagurijwe amafaranga yinjiza, umutungo, nakazi gahagaze. "Kwaguka" icyerekezo cyerekeranye nubuyobozi bworoshye bwo kwandika bushobora kwakira ibibazo byihariye byubukungu, harimo nabafite amanota make ya FICO.

Nigute amanota make ya FICO agira ingaruka ku nguzanyo ya Jumbo?

Amanota ya FICO ni ikintu gikomeye mu kwemeza inguzanyo, byerekana inguzanyo uwagurijwe. Inguzanyo ya jumbo gakondo isaba amanota menshi yinguzanyo, akenshi hejuru ya 700. Nyamara, kwagura inguzanyo zuzuye za jumbo biroroshye cyane, bituma abahawe inguzanyo bafite amanota make ya FICO bagifite ibyangombwa. Ihinduka ningirakamaro kubantu bafite amafaranga menshi numutungo ariko bahuye nibibazo byinguzanyo.

Kuzuza Inguzanyo Yaguwe Yuzuye Doc Jumbo Inguzanyo hamwe n amanota make ya FICO

Kugira ngo wemererwe kwagura inguzanyo yuzuye ya jumbo ifite amanota make ya FICO, abahawe inguzanyo bagomba gutanga ibyangombwa birambuye, harimo:

1. Kugenzura Amafaranga: Kwishura stub,Kumenyekanisha imisoros, na W-2s kugirango berekane amafaranga yinjiza.
2. Inyandiko z'umutungo: Inyandiko za banki na konti zishoramari kugirango zigenzure umutungo uhagije.
3. Amateka y'akazi: Icyemezo cyakazi gahoraho cyangwa amateka yo kwihangira imirimo.

Abatanga inguzanyo baguye inguzanyo zuzuye za jumbo bafite amanota make ya FICO bazagenzura neza ibyangombwa kugirango bagabanye ingaruka ziterwa namanota make y'inguzanyo.

Inyungu Zaguwe Zuzuye Doc Jumbo Inguzanyo Kubaguriza FICO Bake

1. Amafaranga Yinguzanyo Yisumbuye: Abaguriza barashobora kubona umubare munini w'inguzanyo kuruta inguzanyo zisanzwe.
2. Kwandika byoroshye: Amabwiriza menshi yakira abahawe inguzanyo bafite imyirondoro idasanzwe yimari.
3. Amahirwe yo gutunga amazu: Gushoboza gutunga amazu kubafite amafaranga yinjiza numutungo ariko amanota make yinguzanyo.

Ibibazo n'ibitekerezo

Mugihe cyaguwe cyuzuye doc jumbo inguzanyo itanga amahirwe, nayo izana ibibazo:

1. Igipimo Cyinshi Cyinyungu: Abaguriza bafite amanota make ya FICO barashobora guhura ninyungu zisumbuye.
2. Inyandiko zikomeye: Ibyangombwa byinshi bisabwa birashobora kugutwara igihe.
3. Amafaranga Yishyuwe Hasi: Abatanga inguzanyo barashobora gusaba kwishyura mbere kugirango bahoshe inguzanyo.

Umwanzuro

Kwagura inguzanyo zuzuye za jumbo zifite amanota make ya FICO zitanga inzira nziza yo gutunga amazu kubakeneye inguzanyo nyinshi ariko bahura nibibazo byinguzanyo. Mugusobanukirwa ibisabwa no gutegura inyandiko zuzuye, abahawe inguzanyo barashobora kuyobora iyi nguzanyo neza. Buri gihe ujye ubaza umuhanga mubishinzwe inguzanyo kugirango umenye amahitamo yawe kandi ushireho uburyo bwiza bushoboka kubibazo byubukungu.