Ho notlolla Chelete ea Lehae ea Mabotho ka Prime Full Doc Jumbo

Toro ea ho ba le ntlo e mabothobotho United States hangata e tla le theko e phahameng haholo, haholo hoLibaka tse theko e phahamengjoalo ka California, New York, kapa Florida. Bakeng sa bareki ba bangata ba tlang ho reka, mekhoa ea setso ea ho reka ntlo e haella ha ho tluoa tabeng ea ho tšehetsa thepa ea lidolara tse limilione. Mona ke mooTonakholoFull DocJumbokalimo e nka mehato ea ho fetola papali, e fanang ka litharollo tse etselitsoeng ba batlangmabothobotho a matlo a licheletekachelete e ngata ea likalimo. E etselitsoe ho fihlela litlhoko tsa batho ba boleng bo holimo, sehlahisoa sena se fana ka maemo a bonolo le a tlholisano a etsang hore beng ba matlo a maemo a holimo a fihlellehe.

TheTonakholo ka ho feletseng Doc Jumbokalimo e loketse bakeng sa ba alimang kalibaka tse theko e phahamengmoo boleng ba thepa hangata bo fetang meeli e tloaelehileng ea likalimo. Ho ea ka Federal Housing Finance Agency (FHFA), moeli oa 2025 o lumellanang le mokoloto o holimo o behiloe ho $1,149,825 libakeng tse ling, empa likalimo tsa jumbo li feta moo, li thusa ho reka ho fihla ho limilione. Ebang u moahi oa US, moahi oa kamehla, kapa moahi eo e seng oa kamehla ea nang le nomoro e nepahetseng ea Ts'ireletso ea Sechaba, kalimo ena e amohela batho ba fapaneng. Senotlolo? Litokomane tse felletseng tsa chelete e kenang le thepa, tse netefatsang pepeneneng le ho ts'epahala ts'ebetsong ea likalimo.

E 'ngoe ea likarolo tse hlahelletseng tsaTonakholo ka ho feletseng Doc Jumboke bokhoni ba eona ba licheletechelete e ngata ea likalimontle le moroalo oa inshorense ea poraefete ea mortgage (PMI). Mohlala, motho ea alimang ea rekang ntlo ea $ 2.5 milione Los Angeles - 'maraka o theko e phahameng haholo - a ka boloka kalimo ena ka tefo e tlase e fihlang ho 5% ho isa ho 10% ea lichelete tsa hae tsa metsi, ho ipapisitse le karo-karolelano ea mokoloto oa boleng (LTV). Ka li-LTV tsa 70% kapa ka tlase ho moo, ke 5% feela e hlokahalang, athe LTV e phahameng e bitsa 10%. Ho feto-fetoha ha maemo hona ho thusa bareki ho boloka phallo ea chelete ha ba ntse ba kena matlong a majabajaba.

Ho tšoaneleha ho ipapisitse le boemo bo matla ba lichelete. Batho ba fumanang meputso ba nang le chelete ea W-2—ebang ke meputsong, libonase, kapa malebela—ba ka tšoaneleha, joalo ka batho ba itšebetsang ba nang le lilemo tse peli tsa litefello tsa lekhetho tse bontšang chelete e tsoang ho likhoebo tse le mong kapa likoporasi. Esita le lekeno le sa sebetseng, joalo ka moputso oa khiriso kapa lipenchene tsa ho tlohela mosebetsi, lia amoheleha tlas'a tataiso ea lenaneo la Matrix. Mohlala, rakhoebo ea iketselitseng San Francisco a ka sebelisa chelete ea hae ea khiriso ho tsoa setšeng sa bobeli hammoho le moputso oa khoebo ho fumanaTonakholo ka ho feletseng Doc Jumbokalimo ea thepa ea $ 3 milione.

Ka ntle ho chelete, ho ba le mokoloto ho phetha karolo ea bohlokoa. Lenaneo le hloka mela e mene ea khoebo, ho kenyeletsoa ak'haonte e le 'ngoe e sebetsang e nang le nalane ea likhoeli tse 24, le rekoto ea tefo ea ntlo kapa rente (0x30x12). Sena se tiisa hore ba alimang ba kenelibaka tse theko e phahameng—moo maemo a lichelete a leng holimo—bontša ho tšepahala. Ho feta moo, litlhahlobo li tlameha ho bonts'a maemo a hajoale a mmaraka, ka thepa ea mebaraka e ntseng e theoha (e theoha ka 5.01% kapa ho feta) ho latela phokotso ea 5% ea LTV, ho sireletsa ba alimang le ba alimang.

TheTonakholo ka ho feletseng Doc Jumboha se lipalo feela—ke taba ea ho bula mamati a nang le meaho e khethehileng. Ho fana ka lichelete tsa matlo a majabajaba hangata ho kenyelletsa thepa e ikhethang, ho tloha libakeng tse ngata ho isa ho li-penthouses tsa sejoale-joale, le bokhoni ba kalimo ena bakeng sachelete e ngata ea likalimoe netefatsa hore bareki ha ba qobelloe ke li-caps tse tloaelehileng. Nka $4 milione e pel'a lebopo la Miami: ka litefiso tsa tlholisano tsa jumbo mme ha ho na PMI, poloko ea nako e ngata, e lumella beng ba matlo ho tsetela ka mokhoa oa bona oa bophelo ho fapana le litefo tsa inshorense.

Mmarakeng moolibaka tse theko e phahamengLihlooho tsa litaba—nahana ka Silicon Valley kapa Manhattan—theTonakholo ka ho feletseng Doc Jumboe hlahella e le khetho ea pele. E kopanya mokhoa oa ho fihlella le ho rarahana, ho fepa ba batlang ho eketsehileng ho tsoa mokolotong oa bona oa ntlo. Ebang u ntse u ntlafatsa ho ea sebakeng sa bolulo se mabothobotho kapa u tsetela ntlong ea bobeli, sehlahisoa sena se fana ka matla a lichelete ho etsa hore sena se etsahale, 'me tsohle li tsamaisana le lipheo tsa hau tsa nako e telele.