Iklabhu yamanqaku e-800-and-up yamanqaku okuthenga ngetyala yinto ebalaseleyo: Iipesenti ezingama-20.7 zabantu baseMelika bafikelele kweli qondo liphezulu lokufaneleka kwetyala, ngokwe idatha yamva nje ukusuka kwi-FICO, inkqubo yokulinganisa amanqaku asetyenziswa ngokubanzi.
Kodwa, iingcali zezezimali zichaza ukuba awudingi ukuba namanqaku kuluhlu lwama-800 ukuze ufumane awona manqanaba aphezulu obambiso. Ngapha koko, inqaku omele ukulinqwenela… drumroll, nceda: 760! Ukubeka ngokulula, xa ufezekisa loo manqaku, ubalasele ngokwaneleyo ngobulumko ngetyala kwaye unokukhusela eyona mali yenzala.
Ezinye iibhanki zibonelela ngeyona mali ibambekayo yokuthenga ngempahla enamanqaku angaphezulu kwe-740, amanye anebhentshi engama-760 athi uRichard Barenblatt, ingcali yeMortgage kwa Ungathenga okanye uthengise izabelo Guardhill Financial Corp.
ukubona inani elingu-555
Ke ufumana ntoni la manqaku angama-800? Ewe, nje ukuqhayisa ngamalungelo, utshilo uBarenblatt. Phew .
Uluhlu lwamanqaku angama-740 ukuya kuma-760 luyafezekiseka ngakumbi, ngakumbi kwabo basakhayo ngetyala. UFICO kutshanje ubhengeze oko I-704 linqaku eliphakathi lekhredithi eUnited States. Malunga neepesenti ze-19 zabemi abakwibala lama-750 ukuya kuma-799 kwaye ezinye iipesenti ezili-17.1 zikuluhlu lwama-700 ukuya kuma-749, ngokuka Idatha ka-2017 .
Ngama-740 ilungile ngokwaneleyo?
Ngelixa i-760 lubhejo olukhuselekileyo lwamaxabiso aphezulu, kwiimeko ezininzi unokuba namanqaku angama-740 kwaye ufumane elona zinga liphezulu.
Makhe singene koku!
Imalimboleko yezindlu ezintandathu kwezili-10 eMelika zixhaswa ngemali mboleko yesiqhelo, uyachaza URobert E. Tait , igosa eliphezulu lemali mboleko kwiAllied Mortgage Group. Elona xabiso liphezulu lemali mboleko kwi-2018 yemali mboleko yesiqhelo ehambelana ne- $ 453,100 kwaye phantse bonke ababolekisi babambelela kuFannie Mae kunye / okanye kuFreddie Mac izikhokelo zokubhala, ezifanayo, uyachaza.
Amanqaku okubolekwa kwababolekisi achaphazela amaxabiso abawakulungeleyo, kwaye xa ujonga uFannie Mae Itheyibhile yohlengahlengiso lwamaxabiso emali mboleko , Uya kubona ukuba amanqaku e-FICO aphakama nge-740 okanye ngaphezulu, kwaye oko kuya kukufumana elona zinga liphezulu ngokusekwe kumanqaku amanqaku etyala.
Eminye imiba echaphazela uhlengahlengiso lwamaxabiso emali mboleko (okanye ii-LLPAs) zibandakanya izinto ezinje ngemilinganiselo yemali-mboleko ukuya kwixabiso, ubungakanani bemali mboleko, nokuba uthenga ipropathi yotyalo-mali okanye uceba ukuhlala kwindawo yokuhlala.
Kodwa, amanqaku enetyala angama-800 anokukunika igumbi lokujikeleza
Ngelixa ungadingi amanqaku angama-800 ukuze ufumane elona zinga liphezulu lempahla mboleko, linokuba nesibonelelo esinye: Ukukunika umqamelo ukuba ulibale ukuhlawula ityala, yalatha kwiTait.
athetha ntoni amanani u-111
Ndikhuthaza kakhulu abathengi bam ukuba bawaqaphele amanqaku abo etyala kwaye bahlala bezama ukuwagcina ephezulu kangangoko kunokwenzeka, utsho uTait. Iingozi ziyenzeka, ngamanye amaxesha abantu banokulibala ukuhlawula ityala ngexesha, kwaye ukuba bayakwenza kwaye banamanqaku aphezulu emboleko yekhredithi, loo nto ithoba isidima eboniswe kwingxelo yabo yamatyala ayizukuchaphazeleka kwingxelo yabo yamatyala iyonke.
Cinga ngoku: Ukuba unyanisile ngo-740 kwaye intlawulo yasemva kwexesha okanye ingqokelela idlala ngetyala lakho, inokukuwisa kwi-bracket enokuthi iguqulele kwinqanaba eliphezulu lenzala xa ufaka isicelo semali-mboleko entsha, ikubize amawaka kubomi imali mboleko.
Ukufumana ngokuthe ngqo imeko yakho, unganika iiFICO's isixhobo sokubala semali mboleko isaqhwithi. Ikwahlula izinto ezinje ngohlobo lwemali mboleko oyicelayo, apho uhlala khona, kunye nenqununu kwindlu yakho ukubonisa ukuba uza kuhlawula malini ngaphezulu ngenyanga kunye nexesha elingaphezulu kumanqaku akho etyala.
Intsingiselo yenani leengelosi ezili-1212
