Pehea ʻaʻole hiki i nā ʻaiʻē PMI Jumbo ke kōkua iā ʻoe e hoʻopaʻa i kahi moraki nui

Inā ʻoe e ʻimi nei e kūʻai i kahi waiwai waiwai nui, ʻike paha ʻoe iā ʻoe iho e noʻonoʻo ana i kahi hōʻaiʻē Jumbo e hoʻolilo i kāu kūʻai home. Ke hui pū ʻia me aAole Pmikoho, lilo ka hōʻaiʻē Jumbo i ʻoi aku ka hoihoi no ka poʻe kūʻai hale e ʻimi nei i nā moraki nui. Ma kēia ʻatikala, e luʻu mākou i nā pōmaikaʻi o No PMI Jumbo Loans a no ke kumu he koho maikaʻi loa lākou no nā mea kūʻai aku i ka mākeke waiwai i kēia lā.

He aha ka ʻAʻole PMI Jumbo Loan?

ʻO kahi hōʻaiʻē ʻAʻole PMI he moraki ʻaʻole koi ʻia ʻo Private Mortgage Insurance (PMI). Pono ka PMI i ka wā e uku ai ka mea hōʻaiʻē ma lalo o 20% ma kahi hōʻaiʻē maʻamau, e pale ana i ka mea hāʻawi inā ʻaʻole hewa ka mea hōʻaiʻē. Eia nō naʻe, me ka ʻAʻohe PMI Jumbo Loan, hiki i nā mea kūʻai ke pale aku i kēia hoʻolimalima o kēlā me kēia mahina, e maʻalahi ai ka mālama ʻana i ka nui o ka hōʻaiʻē.

ʻO nā hōʻaiʻē Jumbo, ʻoi aku ka nui o nā palena hōʻaiʻē i hoʻonohonoho ʻia e ka Federal Housing Finance Agency (FHFA), i hoʻohana ʻia no Large Mortgages a koi pinepine i nā helu hōʻaiʻē kiʻekiʻe a me nā uku uku nui. Inā kūʻai ʻoe i kahi waiwai kiʻekiʻe, pono paha ʻoe i kahi hōʻaiʻē Jumbo a hiki ke pōmaikaʻi mai ka koho No PMI inā makemake ʻoe e mālama i kāu uku moraki i ʻoi aku ka maʻalahi.

Nā Pōmaikaʻi o ka ʻAʻohe PMI Jumbo Loans

ʻO ka pōmaikaʻi nui loa o kahi hōʻaiʻē ʻAʻole PMI Jumbo ʻo ia ka hiki ke hōʻemi i nā uku mahina. Loaʻa pinepine nā hōʻaiʻē Jumbo maʻamau me nā uku o kēlā me kēia mahina ma muli o nā kumukūʻai PMI. Ma ke koho ʻana i kahi hōʻaiʻē PMI ʻAʻole, hiki iā ʻoe ke pale i kēia mau kumukūʻai hou a mālama i nā haneli a i ʻole nā ​​tausani kālā i kēlā me kēia makahiki.

Eia kekahi, ʻAʻohe PMI Jumbo Loans hiki iā ʻoe ke hoʻokaʻawale i kāu kālā i ke koena kumu o kāu hōʻaiʻē, e wikiwiki ana i ka uku uku.KEIAs. He mea kōkua nui kēia no ka poʻe kūʻai aku i nā Mortgages Nui, no ka mea, ke kū pinepine nei lākou i nā uku ukupanee kiʻekiʻe a me nā koena hōʻaiʻē nui. Ma ka uku ʻole ʻana i ka PMI, hiki iā ʻoe ke uku wikiwiki i kāu moraki a hoʻemi i ka ukupanee holoʻokoʻa i uku ʻia i ka manawa.

Pehea ka hana ʻole ʻana o nā hōʻaiʻē PMI Jumbo

I ka hapanui o nā hihia, koi ʻo Jumbo Loans i ka liʻiliʻi he 20% uku, akā hāʻawi kekahi mau mea hāʻawi i nā koho PMI ʻAʻole me ka uku haʻahaʻa e like me 10-15%. ʻOiai ʻokoʻa paha kēia mau koho ma muli o ka mea nāna e hāʻawi aku, ʻo ka manaʻo ma hope o No PMI Jumbo Loans e kōkua i ka poʻe kūʻai hale kiʻekiʻe e pale aku i ke kumukūʻai hou o PMI, me ka ʻole o ka ʻai ʻana i nā kālā hōʻaiʻē e pono ai ke kūʻai i kā lākou waiwai makemake.

No ka poʻe e ʻimi nei i nā Mortgages Nui, hiki i kēia ke lilo i pōmaikaʻi koʻikoʻi. Ke hoʻomau nei ka piʻi ʻana o nā kumukūʻai waiwai ma nā wahi he nui, ʻoi aku hoʻi ma nā mākeke e like me Kaleponi a me New York, ʻo ka loaʻa ʻana o ka No PMI Jumbo Loans hiki ke hoʻohaʻahaʻa loa i ke kumukūʻai o ka hōʻaiʻē a maʻalahi i ka poʻe kūʻai aku ke komo i ka mākeke hale nani.

Noʻonoʻo ma mua o ka noi ʻana i kahi hōʻaiʻē Jumbo No PMI

ʻOiai ʻaʻohe PMI Jumbo Loans he koho maikaʻi loa no nā mea kūʻai aku he nui, ʻaʻole kūpono paha lākou no kēlā me kēia. Ma muli o kēia mau hōʻaiʻē e pili ana i ka nui o ke kālā, makemake lākou i nā helu hōʻaiʻē maikaʻi loa, kahi moʻolelo kālā paʻa, a me kahi uku nui. Hoʻohui ʻia, hele mai ʻo Jumbo Loans me nā uku uku kiʻekiʻe ma mua o nā hōʻaiʻē maʻamau.

Ma mua o ka noi ʻana i kahi hōʻaiʻē ʻAʻole PMI Jumbo, he mea nui ia e hōʻoia i kāu kūlana kālā e kūlike me nā koi. ʻO ke kūkākūkā me kahi loea moraki hiki ke kōkua iā ʻoe e hoʻoholo inā ʻo kēia ʻano hōʻaiʻē ke koho maikaʻi loa no kāu kūʻai home.

Ka hopena

ʻAʻohe PMI Jumbo Loan hiki ke lilo i mea hana ikaika no ka poʻe e ʻimi nei i nā Mortgage Nui a makemake e pale aku i ka hoʻonui ʻia o ka Private Mortgage Insurance. Ma ka mālama ʻana i nā kumukūʻai PMI, hiki iā ʻoe ke hōʻemi i kāu uku moraki i kēlā me kēia mahina a nānā i ka uku wikiwiki ʻana i kāu hōʻaiʻē. Inā ʻoe ma ka mākeke no kahi home waiwai nui, e noʻonoʻo e ʻimi i ka No PMI Jumbo Loans e hoʻolilo i kāu moraki i ʻoi aku ka maʻalahi a me ke kumukūʻai. E like me nā manawa a pau, e ʻoluʻolu e kamaʻilio me kahi kākāʻōlelo moraki e hoʻoholo i nā koho hōʻaiʻē maikaʻi loa no kāu pono pilikino.