Ho Tsamaisa Likoloto tse Atolositsoeng tsa Doc Jumbo tse nang le Lintlha tse tlase tsa FICO

Ho fumana home loan ho ka ba thata, haholo ha o sebetsana le maemo a ikhethileng a lichelete. Bakeng sa ba batlang likalimo tsa boleng bo holimo empa ba na le mokoloto o tlase ho feta o phethahetseng, ba utloisisang lintlha tse fapaneng tsa lengolo le felletseng le atolositsoeng.jumbolikalimo tse nang le lintlha tse tlase tsa FICO li bohlokoa. Sengoliloeng sena se tla hlahloba hore na mekoloto e atolositsoeng ea doc jumbo ke efe, hore na ba amohela ba alimang ba nang le lintlha tse tlase tsa FICO joang, le seo u hlokang ho se tseba ho sebelisa khetho ena ea mokoloto ka nepo.

Ke Likoloto life tse Atolositsoeng tsa Full Doc Jumbo?

Likalimo tse atolositsoeng tse felletseng tsa doc jumbo li etselitsoe batho ba alimang ba hlokang likalimo tse kholoanyane tse fetang meeli e lumellanang ea mekoloto e behiloeng ke Fannie Mae le Freddie Mac. Likalimo tsena li hloka litokomane tse felletseng ho netefatsa lekeno la motho ea alimang, thepa le boemo ba mosebetsi. Karolo "e atolositsoeng" e bua ka litataiso tse bonolo tsa ho ngola tse ka amohelang maemo a ikhethang a lichelete, ho kenyelletsa le a nang le lintlha tse tlase tsa FICO.

Lintlha tse tlase tsa FICO li ama likalimo tsa Jumbo joang?

Lintlha tsa FICO ke ntlha ea bohlokoa molemong oa tumello ea mokoloto, e emelang ho ba le mokoloto oa mokoloto. Likoloto tsa jumbo tsa setso hangata li hloka lintlha tse phahameng tsa mokoloto, hangata ka holimo ho 700. Leha ho le joalo, likalimo tse atolositsoeng tse felletseng tsa doc jumbo li bonolo, ho lumella ba alimang ba nang le lintlha tse tlase tsa FICO hore ba ntse ba tšoaneleha. Boemo bona bo bohlokoa ho batho ba nang le chelete e ngata le matlotlo empa ba bile le mathata a mokitlane.

Ho Lokela ho Fumana Likalimo tse Atolositsoeng tse Felletseng tsa Jumbo tse nang le Liphetho tse tlase tsa FICO

Ho tšoaneleha bakeng sa kalimo e atolositsoeng e felletseng ea doc jumbo e nang le lintlha tse tlase tsa FICO, ba alimang ba tlameha ho fana ka litokomane tse felletseng, ho kenyelletsa:

1. Netefatso ea Chelete: Litefiso tsa ho lefa,Puseletso ea Lekhethos, le W-2s ho paka chelete e tsitsitseng.
2. Litokomane tsa Letlotlo: Litlaleho tsa banka le liakhaonto tsa matsete ho netefatsa matlotlo a lekaneng.
3. Histori ea Mosebetsi: Bopaki ba histori e tsitsitseng ea mosebetsi kapa mosebetsi oa boipheliso.

Ba alimang ba fanang ka likalimo tse atolositsoeng tse felletseng tsa li-doc jumbo tse nang le lintlha tse tlase tsa FICO ba tla shebisisa litokomane tsena ka hloko ho fokotsa kotsi e amanang le lintlha tse tlase tsa mekoloto.

Melemo ea Mekoloto e Atolositsoeng ea Full Doc Jumbo bakeng sa Bakalimi ba Tlase ba FICO

1. Lichelete tse Phahameng tsa Kalimo: Bakalimi ba ka fumana likalimo tse kholoanyane ho feta likalimo tse tloaelehileng.
2. Flexible Underwriting: Litaelo tse ling bakeng sa ba alimang ba nang le litlaleho tse ikhethang tsa lichelete.
3. Monyetla oa ho ba le Lehae: E nolofalletsa beng ba matlo bakeng sa ba nang le chelete e ngata le thepa empa ba na le lintlha tse tlase tsa mokitlane.

Mathata le Litlhaloso

Le ha likalimo tse atolositsoeng tse felletseng tsa doc jumbo li fana ka menyetla, li tla le mathata:

1. Litefiso tse Phahameng tsa Tsoala: Ba alimang ba nang le lintlha tse tlase tsa FICO ba ka tobana le phaello e phahameng ea tsoala.
2. Litokomane tse thata: Litlhoko tse ngata tsa litokomane li ka ja nako.
3. Litefiso tse Kholoana: Ba alimang ba ka hloka litefo tse kholoanyane ho fokotsa kotsi ea mokoloto.

Qetello

Likalimo tse atolositsoeng tse felletseng tsa li-doc jumbo tse nang le lintlha tse tlase tsa FICO li fana ka tsela e sebetsang ea ho ba beng ba matlo bakeng sa ba hlokang likalimo tse kholoanyane empa ba tobane le mathata a mekoloto. Ka ho utloisisa litlhoko le ho hlophisa litokomane tse felletseng, ba alimang ba ka khona ho sebelisa khetho ena ea mokoloto ka nepo. Kamehla buisana le morekisi oa mekoloto ea nang le tsebo ho lekola likhetho tsa hau le ho boloka maemo a nepahetseng bakeng sa boemo ba hau ba lichelete.