Chinonyanya kukosha kune vashandi vekumba, zvikwereti zvejumbo zvinoita kuti zvive nyore kutenga dzimwe dzimba dzinodhura.
Iwe unogona kunge usina hanya nezvemisika yemitengo, asi kana uri kutenga imba yakakwirira-yekutengesa uye iwe usati uite chikwereti chakakosha, chikwereti chejumbo chinogona kuva chakanakisisa. Iwe unogona kutowana chikwata chakanaka chechido nechikwereti chisina kufanana.
Jumbo-Sized Mortgage
Mari yechikwereti chinotora zita ravo kubva kumakero makuru ehomba. Kugadzirisa zvikwereti, izvo zviri chikamu chikuru chezvikwereti muU.S., zvikwereti zvinosangana nemitemo yakagadzirirwa neGSEs. Izvo zvikwereti zvinowanikwa muna 2017 zvakapiwa $ 424,100 munzvimbo dzakawanda dzenyika uye ine mitemo yakawedzerwa kune chikwereti chekubhadhara. Mune dzimwe nzvimbo dzinodhura, zvikwereti zvinokweretesa zvinowanikwa zvakanyanya kusvika kune imwe nzvimbo kumisika yemumba. Somuenzaniso, muLos Angeles County, muganhu we 2017 is $ 636,150.
Kana iwe uchida kukwereta kudarika chikwereti chemari kumunharaunda yako, uchada kushandisa jumbo chikwereti kana imwe nzira yekusika kuchengetedza mari.
Jumbo Lenders
Mabhangi nevamwewo vashandi vanozvipira vanobudisa zvikwereti zvejumbo.
Vaya vatengesi havana chinangwa chekutengesa zvikwereti kune GSEs, saka vanokweretesa vanogona kugadzira zvavanoda ivo. Mutero wega wega ane zvinangwa zvakasiyana uye zvinokonzera, saka purogiramu yese yejendro yakasiyana yakasiyana. Izvozvo zvinoreva kuti zvakakosha kutengesa pakati pevatengi vakasiyana-siyana, sezvo mitengo uye zvigamuchirwa zvinogona kusiyana zvikuru.
Tsvaga chikwereti chinoenderana nemamiriro ako emari uye pfuma yauri kutenga. Semuenzaniso, vamwe vateresi vanoita kuti zvive nyore kana zvakaoma kuwana zvikwereti kumisha yechipiri, uye vateresi vakasiyana vane zvakasiyana zvekubhadhara zvinodiwa.
Kufanirwa kweVhudzi rekuJumbo
Sezvo neine chikwereti chipi nechipi, iwe uchada kusangana nemvumo yekugamuchirwa, uye zvikwereti zvejumbo zvakanyanya kuoma kupfuura zvikwereti zvekare zvekukodzera. Mari yechikwereti ichikwirira, saka vanokweretesa vanonyanya kusarudza nekuda kwengozi yakanyanya yekubudisa jumbos.
Chikwereti chinyorwa: Uchada chikwereti chakanaka kuti uwane mvumo yekubhadhara chikwereti. A FICO chikamu chinopfuura 700 chinonyanya kuwanda kune vatengi, asi zvimwe zvikonzero zvinogona kutora chikamu chiduku.
Kubhadhara kuripo: Jumbo rekugadzirisa mari inowanzodikanwa kubhadhara chikamu chemakumi maviri kana kupfuura. Kunyange zvakadaro, vamwe vatengi vemajumbo vanokwereta vachashanda pamwe nebhadharo iri pasi pe10 muzana, uye vamwe vanozivisa mapurogiramu nemitemo yakaderera. Kuti uwane chikwereti chejumbo nebhadharo shoma shoma, iwe unoda zvakanaka chikwereti, zvakasimba mari, kana zvakakosha zvakachengetwa. Nevari kukweretesa vazhinji, kubhadhara mitero yepamusoro yekubhadhara kunowedzera sekuwedzera kwechikwereti kuwedzera.
Mari nezvikwereti: Nezvikwereti izvi zvikuru, vateresi vanoda zvinyorwa kuti varatidze kuti mune mari yakakwana nemari yekuwana pfuma yauri kutenga.
Iko kusingagumi mari yakanakisisa. Vanhu vanozvipira vanoda magwaro emitero uye mamwe mashoko pamusoro pebhizimisi ravo, uye vanowana mubayiro vanoda mafomu eW2. Vatengesi vanofarirawo kuona nzvimbo yekuchengetedza zvinhu zviripo kuti zvikwanise kubhadhara mari yemwedzi mitanhatu kusvika kune gumi nembiri.
Chikwereti kusvika kune mari: Chikwereti chakaderera kusvika kune mari inowanikwa nguva dzose inobatsira paunenge uchikumbira zvikwereti. Vatengesi vanowanzoshandisa 43 muzana sechinangwa, asi nhamba iyoyo haina kuiswa mumatombo. Kunyanya kana uine zvinhu zvinokosha zviripo, vateresi vangafunga nezvezvinhu izvi (kana kuti mari kubva kune izvo zvinhu) sechikamu chemari yekuwana.
Mari yejumbo haisi yakagadzirirwa kubatsira vanokwereta "kutambanudza" uye kutenga imwe imba kupfuura zvavanokwanisa. Pane kudaro, ndevaya vanobhadhara mari yakachengeteka kutenga misha inodhura kupfuura inowanikwa.
Zvaunobhadhara
Zvikwereti zvinoshandiswa : Historically, zvikwereti zvejumbo zvinowedzera huwandu hwemari kudarika kubvumirana nezvikwereti.
Ngozi inowedzera sokukwereta kwekukwereta. Kunyanya, kubvumira vamwe vatorwa vanenge vasina kukodzera muzvikamu zvakasiyana-siyana ndevashandi. Zvisinei, kubva pane dambudziko rekutengesa mari , vateresi vepachivande vakawana kuti jumbo vakakwereta vangave vari vaduku vanotengesa, uye vanogona kuva vatengi vanobhadhara nenzira dzakasiyana-siyana. Somugumisiro, maitirwo emadhoroji ehotera angapedzisira aenzaniswa nezvikwereti zvinowirirana nezvikwereti. Kunyange zvakadaro, nezvikwereti zvezvikwereti zvemajoro, unogona kubhadhara nyore nyore muzvikwereti zvinodarika mumwe munhu ane chikwereti chiduku pamutengo wakakwirira.
Jumbo chikwereti chinowanika nechinangwa kana chakasiyana-siyana .
Kuvhara mari: Zvikwereti zveJumbo zvinosvika pakuvhara mari , sezvinongoita imwe chikwereti chemusha. Kuongorora mari inonyanya kuve yakakwirira nekuda kwezvivakwa zvepamusoro kana kudhura kwemadhora. Mune zvimwe zviitiko, iwe unoda mazano maviri ekubvumirwa kwemari yejumbo.
Insurance inshurense: Mortgage inshuwaridzi inodzivirira vanokweretesa apo vanokwereta vachikweretesa chikwereti. Kugadzirisa zvikwereti uye zvirongwa zvehurumende zvinowanzoreva kuti vakweretesi vatenge iyo inshuwarisi pavanenge vachibhadhara mari shoma nokuti kukwanisa kuwana mari mukutaridzika hakuna mubvunzo. Asi jumbo chikwereti chakasiyana. Zvichida kana kwete iwe uchada kubhadhara pamba mortgage inshuwarisi (PMI) pane chikwereti chisina kufanana chinosvika kumunhu anokweretesa-vamwe vanobvumira pasi pe20 muzana pasi pasina PMI.
Zvimwe zvinogona kuwanikwa muJumbo Mikopo
Jumbo chikwereti haisi iyo nzira chete yekutenga dzimba dzepamusoro kana dzimba muhuni hwemafaji. Kana iwe usingadi kukwereta zvakawanda, kana iwe uri nechinetso kugamuchira mvumo yekukweretesa jumbo, imwe nzira inogona kunge iri nani.
Zvikwereti zvepiggyback: Panzvimbo yemumwe chikwereti chikuru, unogona kushandiswa pamwe chete nemari miduku. Idzi nzira dzakagadzirisa kudzoka kubva pamatambudziko ekubhadhara mari. Asi zvisati zvambofanirwa kutanga gore ra2008 zvikwereti, ikozvino uchada kuratidza kuti iwe unokwanisa kubhadhara chikwereti chimwe nechimwe.
- 80/20 chikwereti: Nekwereti ye80 / 20 yengoro, iwe uchawana "kutanga" kutora chikwereti che 80 muzana yemutengo wekutenga imba. Nokuti une chikwereti chemazana makumi mapfumbamwe kubva muzana chekukoshesa (LTV) chiyero , iwe unorega kubhadhara PMI. Chechipiri chikwereti chichatora 20% inosara yekutenga mutengo.
- 80/10/10: Nekutora 80/10/10, iwe unowanawo chikwereti chekutanga pa80 muzana LTV. Zvisinei, iwe uchaitawo 10 muzana mubhadharo wekubhadhara, uchisiya chete 10 muzana kukwereta kune yechipiri chikwereti.
Zvikwereti zvepiggyback zvinogadzirisa dambudziko rekubhadhara PMI, asi iwe uchiri kukwereta mari yakawanda yemari. Kuti uwane chibvumirano, iwe unoda zvikwereti zvekwereti zvakakwirira-asi iwe unogona kukodzera nezvikoro zveFICO mumakore mazana matanhatu. Nharaunda dzechipiri pamari yekugadzira mari inowanzove yakakwirira kudarika mairi pamitambo yekutanga, naizvozvo mari yako yokukwereta ingave yakareba neyiyi nzira. Enzanisa iyo mari nezvimwe zvinoshandiswa uchishandisa chikwereti chekukwereta kana tafura yekugadzirisa .
Ngwarira kuti dzimwe piggyback urongwa hunoshandisa bhodhi zvikwereti . Somuenzaniso, iwe unogona kubhadhara imwe kana kuti zvose zvikwereti kana kugadzirisa mukati memakore gumi nemashanu.
Tarisa mitsara: Usati wazvitsaurira kushandisa jumbo rechikwata chako, chengetedza kuti iwe unoda chaizvo imwe. Mari yechikwereti hachisi chakanaka-zvakare, iwe ungatowana kuwana chido chakanaka. Asi zvikwereti zvinowirirana kana zvirongwa zvehurumende zvingave zvakakodzera iwe. Kana iwe uri munzvimbo yakakwirira-inodhura, unogona kazhinji kukwereta zvakawanda kupfuura "chirevo" chikamu. Vamwe vanhu vanoshandisa izwi rokuti "jumbo" kureva zvikwereti zvinowirirana munzvimbo idzodzo dzinodhura, saka bvunza kutsanangurwa paunokurukura zvaunogona kuita.
Kubhadhara kwakaderera kwepamusoro: Nzira iri nyore yekudzivisa kushandisa jumbo chikwereti ndechokuita kubhadhara zvakanyanya pasi. Iwe unongoda kuuya nezvikwaniro kuti uunze chikwereti chako pasi pasi pasi pemuganhu wako wekubhadhara chikwereti. Nezvo zvakaitwa, iwe uchange uine dzimwe sarudzo dzinowanikwa, uye iwe uchabhadhara chikamu chiduku nekodhimwe kari chikwereti. Kurera mari yakawanda inoreva zvakanyanya kudarika kuitwa, kunyanya sezvo dhora richikura. Asi kana uine mari iripo, inogona kunge yakakosha.