Ngaba ucinga ngokuthenga ikhaya? Ndiyakuvuyela! Lo ngumzuzu wobomi omkhulu, oya kufuna ingqalelo enkulu kwiinkcukacha, uxanduva kunye nophando. Kwaye kulungile kuwe ukuba sele uqalile ukukhuthala okufanelekileyo! Kodwa ngelixa ungaziva ukulungele ukwenza umtsi kwaye utyale imali, kusekho izinto ezinokubamba nkqu nabo bafaneleke kakhulu ukuba ngabanini bamakhaya. Enye yezona zinto zixhaphakileyo kule miqobo yityala elibi. Ukuba nenqaku elibi letyala kunokubabolekisa ababolekisi ngemali ukuba bakunike imali kwaye kubangele ukuba inzala yakho inyuke eluphahleni. Kodwa ukuba ufumana ulwazi nje lokuthenga ikhaya kwaye ungacingi ukuba ikhredithi yakho ilapho ufuna ukuba khona, ungakhathazeki, kukho izinto onokuzenza ukuphucula amanqaku akho, nokuba ukhona ujonge ukutshintsha kokubi uye kokulungileyo, okanye kulungile uye ngcono. Apha, yonke into ekufuneka uyazi ngamanqaku akho etyala ukuba ujonge ukuthenga indlu:
Athetha ntoni ama-555 amanani eengelosi
Uluhlu lwenqaku letyala:
Kusenokwenzeka nikwazi oku kakade, kodwa nje ukuba sikhe siphinde: A ngetyala score inombolo enamanani ezintathu-based on yembali yakho yamatyala. Igqitywe yi-algorithm ethathela ingqalelo inani leeakhawunti ezivulekileyo zekhredithi onazo (njengerenti yakho, amakhadi etyala, kunye nemali mboleko yomfundi), imbali yakho yokuthenga, imbali yakho yokuhlawula, nayo nayiphi na imali eseleyo. Iyakwazi ukusuka kuma-300 (amanqaku aphantsi kakhulu) ukuya ku-850 (amanqaku aphezulu kakhulu).
Awazi ukuba amanqaku akho etyala aphuma entlokweni yakho? Zininzi iindawo zokufumana uqikelelo olusimahla. Ukuba unamakhadi etyala, umboneleli wakho unokuprinta amanqaku akho kwingxelo yakho yenyanga okanye ayifumane ngokusebenzisa i-portal yomsebenzisi okanye i-intanethi.
Idibeneyo: Ezona ndawo ziSimahla zaManqaku eSimahla, ngokweeNgcali
Nangona kunjalo, ukuba ufuna ukwazi ukuba yeyiphi inqaku lakho letyala, kuya kufuneka wazi amanani akho. Inyaniso eyonwabisayo: Ngokwenyani unamanqaku amaninzi etyala, kodwa eyona isetyenziswa kakhulu ngababolekisi ngamanqaku eFICO. Amanqaku akho e-FICO aya kwahluka, kuxhomekeka ekubeni zeziphi ezona zikhundla ziphambili zamatyala (iTransUnion, i-Equifax, kunye ne-Experian) ingxelo yakho yamatyala ikhutshwa kuyo. Unokufumana amanqaku akho e-FICO simahla kumakhadi amaninzi eebhanki kunye neebhanki, okanye ungahlawula ukuze ukhuphele kuwo Iwebhusayithi yeFICO .
Ababolekisi babambiso baya kusebenzisa into ebizwa ngokuba yingxelo yokuthenga ngetyala e-tri-merge, edibanisa iingxelo zakho zekhredithi kwii-bureaus, ukumisela ubambiso lwakho, utshilo uRichard Redmond, usekela mongameli kunye nomrhwebi werekhodi Iinkonzo ze-ACM Investor, Inc. , eLarkspur, eCalifornia. Yiba nolwazi olufanayo umbolekisi wakho analo ngokucela ukuba umbolekisi wakho akunike ikopi yale ngxelo ngaphambi kokuba ugunyazise umbolekisi ukuba ayifumane. Ababolekisi babambiso abayi kudibanisa amanqaku akho etyala, kodwa baya kusebenzisa amanqaku aphakathi, ngokwe IkhredithiRepair.com .
Nje ukuba ufumane amanqaku akho etyala, uya kufuna ukuqonda ukuba athini la manani mathathu. Ngoku ka Ityala lesame , amanqaku etyala aphulwe ngolu hlobo:
Egqwesileyo : 750 nangaphezulu
Kulungile: 700-749
Ilungile: 650-699
Ihlwempu: 550-649
Okubi: 550 nangaphantsi
Ukusukela ngo-Epreli 2018, i umndilili wenqaku lekhredithi yeFICO eMelika ibiyi-704. Ngelixa ukufumana amanqaku ngetyala phakathi komndilili welizwe kulungile, kusoloko kuluncedo ukuba nenqaku eliphezulu lokuthenga ngetyala kwinkqubo yokuthenga amakhaya, kuba inqaku lakho letyala liyinto enkulu ekuqinisekiseni ukuba ungafumana okanye awufumani ubambiso, kunye nokuba uvunyiwe kangakanani. Ukuba unekhredithi elungileyo, kusenokwenzeka ukuba uya kuvunyelwa ukubambisa ngento ephezulu kunomntu onamanqaku aphantsi etyala.
Kutheni le nto amanqaku akho etyala ebaluleke kangaka? Yindlela yendalo yonke yokulinganisa ukuba ingaba yingozi kangakanani ukuboleka imali kuwe. Ababolekisi babambiso bajonge amanqaku amahle okuthenga ngetyala kwaye babone ukuba umenzi-sicelo unobungozi obuncinci, oko kuthetha ukuba banokuqiniseka ukuba umenzi-sicelo uza kuyibuyisa imali ebolekiweyo kwangexesha. Nangona kunjalo, uphawu olubi lwekhredithi kumbolekisi wakho ukuba kukho umngcipheko omkhulu wokungabinakho ukuyihlawula ngexesha elifanelekileyo imali mboleko yakho.
Idibeneyo: Eyona mibuzo iqokelelweyo yamaNqaku eMboleko kwiTyala, ephendulwa ziingcali zezeMali
Inqaku lakho letyala linokukuxelela ukuba ungaphelela phi ukuhlawula ikhaya lakho, ngaphezulu kwexabiso elifunwayo.
Iziphumo zamatyala asezantsi kukuba uza kuhlawula imali engaphezulu, utsho uDouglas Boneparth, umongameli we Ubutyebi Bone Fide , iqumrhu labacebisi ngezezimali elijolise kwimillennials. Amanqaku aphezulu aphezulu, zehla izohlwayo.
intsingiselo yokomoya ye-1234
Ngokwesiqhelo, ababolekisi baya kukunika inzala esezantsi xa unamanqaku aphezulu etyala. Ukuba unamanqaku aphantsi etyala, awuzukuhlawula kuphela inzala ephezulu, kodwa likho elinye ithuba elongezelelekileyo oya kuthi uthathe ngalo i-inshurensi yabucala yemali mboleko (PMI) ngendleko ezongezelelweyo, utshilo uBoneparth.
Iingcali zithi Elona nqaku libalaseleyo letyala okhe ufuna ngokwenene ukuthenga ikhaya ngama-760, kuba nguloo mqobo wokufumana awona manqanaba aphezulu.
zingaphi iingelosi ezinkulu ezikhoyo kwaye ngubani amagama abo?
Ufumana njani amanqaku aLungileyo okuthenga ngetyala:
Ust ukhangele amanqaku akho kwaye wafumanisa ukuba angaphantsi kweenkwenkwezi? Akukho nzima ukuba unyuse amanqaku akho etyala xa usenza umzamo odibeneyo. Nangona kunjalo, ayisiyonto onokuyilungisa ngobusuku.
Into yokuqala oza kuyidinga lixesha, utshilo uBoneparth. Oko kuthetha iinyanga, kwaye mhlawumbi neminyaka yokwenza intlawulo ngexesha.
Ngaphandle kwexesha, kunokubakho ezinye iindlela ezikhawulezayo zokulungisa. Ngaba ufuna ukwazi enye into ekufuneka uyenzile ukuphucula amanqaku akho? Ukuphonononga ingxelo yakho yamatyala.
Ukuzazisa kukudibanisa okukhulu, utsho uBoneparth. Ungazi njani ukuba uza kusebenza phi ukuba awuyazi into engalunganga? Kunokubakho intlawulo engekenziwa ongazange uve okanye ulibale ngayo kwaphela. Ukuhlawula nje naziphi na iiakhawunti kwingqokelela kunokunceda ukukhulisa amanqaku akho ngokukhawuleza.
Ngokusemthethweni, uvumelekile ukutsala iingxelo zekhredithi kwiziko ngalinye lesithathu elikhulu ngonyaka. Ungabacela kwi ycvdangisa.com , iwebhusayithi evunyiweyo.
Bona into ebonakala ngathi ayilunganga kwingxelo yakho yamatyala? Fikelela kwiziko eligcina ingxelo ngetyala nakwinkampani okanye umbutho osuka kuwo iakhawunti. Iziko eligcina inkcazelo ngetyala liya kuthi emva koko liphande ngento yomgaqo egameni lakho. Ukuba yimpazamo, iya kucinywa okanye ilungiswe, kwaye amanqaku akho etyala aya kuphucula.
Idibeneyo: Ungaliphucula njani inqaku lakho letyala kwiintsuku ezingama-30 okanye ngaphantsi
Isizathu esinye sezizathu zamanqaku aphantsi etyala inokuba usandula ukuphumelela ikholeji, okanye ungaze urente indlu okanye ubenekhadi letyala ngaphambili. Esi ayisosikhundla esibi ukuba ubekuso, kuba unganyusa amanqaku akho etyala ngokukhawuleza xa kuthelekiswa nabo banamanqaku amabi ngenxa yeerekhodi zikarhulumente (ukubhengezwa kweebhanki okanye ii-liens zerhafu), amatyala kwiiqoqo, kunye nenani eliphezulu lezicelo zamatyala zamva nje. Faka isicelo sekhadi elisisiseko kwibhanki yakho. Uya kuvunywa ngomda ophantsi kakhulu wekhredithi, kodwa xa uqala ukuyisebenzisa ukuthenga (kwaye uyihlawule ngexesha), uyakubona amanqaku akho ephucula.
Ukuba awunalo ithamsanqa lokuba ubekho kuloo meko, amanqaku akho etyala aya kunyuka kuphela wakube ulawule imali eseleyo-oko kuthetha ukuqinisa ibhanti lakho apho kunokwenzeka ukuze ubeke imali eninzi kwityala lakho, kwaye uqinisekise ukuba wenza intlawulo ngexesha. Ukuseta izikhumbuzo zentlawulo okanye ukuseta ukuhlawula ngokuzenzekelayo kunokuba luncedo xa ukuhlawula ngexesha kuyingxaki.
Leliphi inqaku elifanelekileyo leKhredithi yokuthenga indlu?
Ke yile nto uyizeleyo: Inqaku lekhredithi ekufuneka ulenzile fumana imali-mboleko ukuthenga indlu. Ewe, ukunyaniseka, akukho mpendulo elula. Ukuba uhamba nombolekisi ngenqanaba elimiselweyo, inqanaba lokuhlengahlengiswa, okanye amanyathelo obambiso ngamanyathelo amabini, amanqaku afunekayo aya kwahluka ngokujonga kuliphi na idolophu ojonge kuyo, umbolekisi owenza isicelo naye, nkqu Ummelwane onethemba lokuhlala kuwo.
Kodwa, ngokubanzi, iibhanki, imibutho yabathengi, kunye nababolekisi bajonga nantoni na engaphezulu kwe-680 njengamanqaku afanelekileyo okufumana imali mboleko, utshilo uRedmond. Kwakhona, amaxabiso obambiso abambeka kumgangatho othile, ke lindela amaxabiso angcono ngamanqaku ayi-720 okanye angama-740.
Ukuba amanqaku akho asondele kuma-600, usenokufumana imali-mboleko yabucala — kodwa zilungiselele ukuyihlawula. Kuyakufuneka ukuba uhambe ngebhanki okanye umrhwebi onobhaleli okanye ubudlelwane phakathi kweebhanki ezahlukeneyo, imibutho yabasebenzi ngetyala, kunye nababolekisi, endaweni yebhanki yasekuhlaleni, utshilo uRedmond. Kuya kufuneka uphinde uhlawule ngendleko ephezulu ebekiweyo, ebambekayo yokuthenga ngempahla endaweni yokuba uhlengahlengise. Imali mboleko yesibini kwiimarike zesekethe ihlala ibiza kakhulu xa iyonke, kuba iza neendleko zokuvala eziphezulu, ukuguquguquka okuncinci, kufuna i-inshurensi yobambiso lobucala, kwaye ifuna ukuba ubeke irhafu yepropathi kunye neinshurensi kwiakhawunti yokuhamba.
Ukongeza, abo banamanqaku asezantsi okuthenga ngetyala banokulungela ukubolekwa imali mboleko yaseburhulumenteni okanye igunyabantu lezindlu (FHA).
Ithetha ntoni i-444?
Eyona ndawo ibalaseleyo yokuThengiswa kweMizi efundwayo:
- Izinto ezi-8 ezingaphantsi kweThagethi yabaRhwebi
- Ezona Ndlela ziPhambili zoYilo, ngokweArhente yokuThengisa izindlu
- Amaphenyane asikiweyo asendlini ukurenta, aqala kwi- $ 99 / ngobusuku
- Iindawo ezipholileyo ezipholileyo eMelika 2019
- Izinto ekufuneka uzenzile ngoku kwesesibini ukuba uyahamba ngeli hlobo
Ukuhlelwa kwakhona kwisithuba esapapashwa okokuqala nge-05.16.2018-LS
