Gufungura Amazu Yurugo Amazu hamwe na Prime Yuzuye Doc Jumbo

Inzozi zo gutunga inzu nziza muri Reta zunzubumwe zamerika akenshi izana igiciro cyinshi, cyane cyane muriAgace gahenze cyanenka Californiya, New York, cyangwa Floride. Kubantu benshi bashobora kugura, amahitamo yinguzanyo gakondo aragabanuka mugihe cyo gutera inkunga imitungo ya miriyoni y'amadorari. Aha nihoPrimeInyandiko yuzuyeJumbointambwe yinguzanyo muburyo bwo guhindura umukino, gutanga ibisubizo byihariye kubashakagutera inkunga amazu mezahamwe naumubare munini w'inguzanyo. Yashizweho kugirango ihuze ibyifuzo byabantu-bafite agaciro-gakomeye, iki gicuruzwa gitanga ibintu byoroshye kandi bigahiganwa bituma nyirurugo azamuka cyane.

UwitekaPrime Yuzuye Doc Jumboinguzanyo nibyiza kubaguriza muriahantu hahenze cyaneaho agaciro k'umutungo karenze imipaka ntarengwa y'inguzanyo. Nk’uko ikigo gishinzwe imari y’imiturire (FHFA) kibitangaza ngo 2025 ntarengwa y’inguzanyo ihwanye n’amadolari 1,149.825 mu turere tumwe na tumwe, ariko inguzanyo za jumbo zirenze ibyo, bitewe no kugura neza muri miliyoni. Waba uri umunyamerika, utuye burundu, cyangwa umuturage udahoraho ufite numero yubwiteganyirize bwemewe, iyi nguzanyo yakira inguzanyo zitandukanye. Urufunguzo? Inyandiko yuzuye yinjiza numutungo, kwemeza gukorera mu mucyo no kwizerwa mugikorwa cyo gutanga inguzanyo.

Imwe mu miterere ihagaze yaPrime Yuzuye Doc Jumboni ubushobozi bwayo bwo gutera inkungaumubare munini w'inguzanyonta mutwaro w'ubwishingizi bw'inguzanyo bwigenga (PMI). Kurugero, uwagurijwe agura inzu ya miliyoni 2.5 zamadorali muri Los Angeles-isoko ryigiciro cyinshi-ashobora kubona iyi nguzanyo yishyuwe mbere kugeza 5% kugeza 10% byamafaranga yabo bwite, bitewe ninguzanyo yatanzwe-agaciro (LTV). Hamwe na LTV ya 70% cyangwa munsi yayo, harasabwa 5% gusa, mugihe LTVs zisaba 10%. Ihinduka riha imbaraga abaguzi kubika amafaranga mugihe binjiye mumitungo itimukanwa.

Kwemererwa gushingira kumiterere yimari ikomeye. Abakozi bahembwa hamwe na W-2 binjiza - haba mu mishahara, mu bihembo, cyangwa mu nama - barashobora kuzuza ibisabwa, kimwe n’abikorera ku giti cyabo bafite imyaka ibiri y’imisoro yerekana amafaranga yinjira mu bikorera ku giti cyabo cyangwa mu bigo. Ndetse amafaranga adakoreshwa, nk'amafaranga akodeshwa cyangwa pansiyo y'izabukuru, aremerwa hakurikijwe amabwiriza ya Matrix. Kurugero, rwiyemezamirimo wikorera wenyine muri San Francisco arashobora gukoresha amafaranga yubukode bwumutungo wa kabiri hamwe ninjiza yubucuruzi kugirango abone aPrime Yuzuye Doc Jumboinguzanyo ku mutungo wa miliyoni 3 z'amadolari.

Kurenga kwinjiza, kwishura inguzanyo bigira uruhare runini. Porogaramu isaba imirongo ine yubucuruzi, harimo konti imwe ikora ifite amateka yamezi 24, hamwe ninguzanyo yambere cyangwa inyandiko yubukode (0x30x12). Ibi byemeza ko abahawe inguzanyo muriahantu hahenze cyane-Ahantu hose amafaranga yimari yazamuye-kwerekana kwizerwa. Byongeye kandi, isuzumabumenyi rigomba kwerekana uko isoko ryifashe muri iki gihe, hamwe n’umutungo uri mu guta agaciro ku isoko (kugabanuka 5.01% cyangwa kurenga) bitewe no kugabanuka kwa LTV 5%, kurinda abatanga inguzanyo ndetse n’uguriza.

UwitekaPrime Yuzuye Doc Jumbontabwo ari imibare gusa - ni ugukingura imiryango kumitungo itimukanwa yihariye. Inkunga nziza yo munzu akenshi ikubiyemo imitungo idasanzwe, uhereye kumitungo yagutse kugeza kuri pento zigezweho, hamwe nubushobozi bwinguzanyo kuriumubare munini w'inguzanyoiremeza ko abaguzi batagabanijwe ningofero zisanzwe. Fata miliyoni 4 zamadorali yumutungo winyanja i Miami: hamwe nigipimo cya jumbo irushanwa kandi nta PMI, kuzigama mugihe ni byinshi, bituma ba nyiri amazu bashora imari mubuzima bwabo aho kwishyura amafaranga yubwishingizi.

Ku isoko ahoahantu hahenze cyaneyiganjemo imitwe-tekereza ikibaya cya Silicon cyangwa Manhattan-thePrime Yuzuye Doc JumboKugaragara nkuguhitamo kwambere. Ihuza uburyo bworoshye nubuhanga, igaburira abasaba inguzanyo nyinshi. Waba uri kuzamura inzu nziza cyangwa gushora imari murugo rwa kabiri, iki gicuruzwa gitanga imbaraga zamafaranga kugirango kibeho, byose mugihe uhuza intego zawe z'igihe kirekire.