Indlela Yokufumana Imboleko Ngekho I-FICO Score
Ukuba unethamsanqa ngokwaneleyo ukuba ube nomlinganiselo ophezulu wokuthenga ngetyala kwaye uninzi lwemali engenayo, uza kubona isicelo sakho semali mboleko sishukumo ngokukhawuleza.
Kodwa akusiyo wonke umntu ohlala kwilo hlabathi.
Indlela yoMgaqo-phantsi osebenza ngayo
Incwadi yokubhala phantsi yinkqubo yencwadana (ngokuchaseneyo nenkqubo eyenziwayo ) yokuvavanya ubuchule bakho bokubuyiselwa kwemboleko. Umboleki wakho uza kunika umntu ukuba ahlaziye isicelo sakho, kubandakanywa namaxwebhu axhasa amandla akho okubuyisela (njengezitatimenti zebhanki, ukuhlawula ama-stubs kunye nokunye). Ukuba umgcini-phantsi unquma ukuba unako ukuhlawula imali mboleko, uya kuvunywa.
Isizathu Sokuba Unokufuna Uncwadi Wobhala phantsi
Ininzi yemali-mboleko yemakhaya ivunyiwe ngaphezulu okanye ngaphantsi kwikhompyutha: ukuba uhlangabezana nemigangatho ethile, umboleko uya kuvunywa. Ngokomzekelo, ababolekisi bafuna izikolo zamakhredithi ngaphezulu kwinqanaba elithile. Ukuba amanqaku akho aphantsi kakhulu, uya kulahlwa. Ngokufanayo, ababolekisi bafuna ukufumana ityala kumvuzo ophantsi kwe-31/43. Nangona kunjalo, "ingeniso" ingaba nzima ukuyichaza, kwaye umnini-mboleko wakho angeke akwazi ukubala yonke ingeniso yakho.
Iimodeli zekhompyutha zenzelwe ukusebenza kunye neninzi lwabolekayo kunye neenkqubo zemboleko abayisebenzisa rhoqo.
Ezi nkqubo ze-Automatic Underwriting Systems (AUS) zenza kube lula kubabolekisi ukuba baqhube iimali-mboleko ezininzi ngelixa beqinisekisa ukuba iziboleko zihlangabezana nezikhokelo kubarhwebi kunye nabalawuli.
Umzekelo, iimali-mboleko ze- FNMA kunye ne-FHA (phakathi kwabanye) zifuna ukuba i-mortgages ifaneleke kwiprofayili ethile, kwaye abaninzi abantu bafanelane ngokucacileyo okanye ngaphandle kwebhokisi.
Kwakhona, ababolekisi banokuba nemithetho yabo (okanye "i-overlays") ekhuselekileyo kunezidingo ze-FHA.
Ukuba konke kuhamba kakuhle, ikhomputha iya kuphalaza imvume . Kodwa ukuba kukho into embi, umboleko wakho uza kufumana isiluleko esithi "Khupha", kwaye kuya kufuneka kuhlaziywe ngaphandle kwe-AUS.
Yintoni enokuyichitha isicelo sakho?
Indlela yokuphila engenamatyala: Into ebalulekileyo kwizikolo ezininzi zemali yimbali yokuboleka nokubuyisela imali. Kodwa abanye abantu bakhetha ukuba baphile ngaphandle kwetyala , ezinokuba lula kwaye zingabibizi. Ngelishwa, ikhredithi yakho iya kugqitywa ngokutsha kunye neendleko zakho zomdla. Akunjalo ukuba unetyala elibi - awunakhokhredithi kuyo yonke into (eyiyo okanye imbi). Sekunjalo, kunokwenzeka ukuba ufumane umboleko ngaphandle kwinqanaba le-FICO xa uhamba ngokubhala phantsi. Enyanisweni, kungabikho kredit kungcono kunokuba nezinto ezintle ezifana ne-bankruptcy kwiingxelo zakho zemali-mboleko.
Entsha kumatyala: Ukwakha ityala kuthatha iminyaka emininzi . Ukuba usenjalo kule nkqubo, kufuneka ukhethe phakathi kokulinda ukuthenga nokubhala phantsi. Ngemboleko yemali kwiingxelo zakho zemali-mboleko, unako ukukhawuleza inkqubo yokwakha isikweletu ngoba ungeze ukuxuba kwemali-mboleko kwifayile yakho.
Iingxaki zemali zamva nje: Ukufumana imali mboleko emva kokutshatyalaliswa okanye ukuchithwa kwemali ayikho ngaphandle kombuzo.
Ngaphantsi kweenkqubo ezithile ze-HUD, unokufumana imvume kwiminyaka okanye ezimbini-ngaphandle kokubhala phantsi. Nangona kunjalo, ukubhala phantsi kweencwadi kubonelela ngakumbi ukuboleka, ingakumbi ukuba ubunzima bakho bezemali bubekho nje ngokutsha (kodwa ubuya ngasezinyaweni zakho). Ukufumana umboleko oqhelekileyo kunye namanqaku e-credit engaphantsi kwe-640 (okanye ngaphezulu nangaphezulu) kunzima, kodwa ukubhala phantsi kwendlela yokubhala kungenza ukuba kwenzeke.
Isikwereti esincinci kumvuzo wokufumana imali: Kuqiqile ukugcina imali yakho isisiseko esiphantsi kwimali yakho engenayo, kodwa ezinye iimeko xa kukho inkokhelo ephezulu kunomvuzo. Ngendlela yokubhala phantsi, unokuya phezulu - oko kuthetha ukuba unamathuba amaninzi atholakalayo kwiimarike zendawo zezindlu. Qaphela nje ukuba ulula kakhulu kwaye uthenge ipropati ebiza kakhulu eyokushiya "indlu empofu."
Indlela yokwamkela
Ekubeni ungenayo imilinganiselo yekhredithi yomgangatho okanye iprojekti yengeniso yokufumana imvume, zeziphi izinto ezinceda isicelo sakho?
Kuya kufuneka ukuba usebenzise nantoni na ukukwazi ukubonisa ukuba uzimisele kwaye uyakwazi ukuhlawulwa kwemboleko. Ukwenza njalo, unyanzelekile ukuba ukwazi ukuhlawula imali-mboleko - ufuna imali engenayo, i-asethi okanye enye indlela yokubonisa ukuba unako ukujongana neentlawulo.
Umntu uza kuthatha iindleko ezikufutshane kwiimali zakho, kwaye inkqubo iya kuphazamisa nokuchitha ixesha. Ngaphambi kokuba uqale, qinisekisa ukuba ufuna ukuhamba kwinkqubo (jonga ukuba unokufumana imvume kunye nemali-mboleko). Thatha uluhlu lwemali yakho ukuze uxoxe ngeemfuno kunye nomboleki wakho, kwaye ukuze uqale ukuqokelela ulwazi oluyidingayo.
Imbali yeentlawulo: Ngaba unokubonisa ukuba wenze ezinye iintlawulo ngexesha-odlulileyo? Iingxelo zetyala zibukeka kwimbali yakho yentlawulo (phakathi kwezinye izinto), kwaye uya kufuneka ubonise ukuziphatha okufanayo kwentlawulo usebenzisa imithombo eyahlukileyo. Iintlawulo ezininzi ezifana nerenti kunye nezinye iintlawulo zezindlu zilungele, kodwa izibonelelo, ubulungu, kunye nee-premiums zinshorensi zinokukunceda. Eyona nto, uya kubona ubuncinane ubuncinane iintlawulo ozenzayo ngexesha-ubuncinane kwiinyanga ezili-12.
Ukuhlawula umvuzo: Ukuhlawula kwentlawulo kunciphisa umngcipheko wakho wemali. Kubonisa ukuba unesikhumba kumdlalo, kwaye ubanika i-tampon - ukuba kufuneka badlulise ikhaya lakho ekungqatshelweni , abanako ukulahlekelwa yimali xa wenza imali enkulu. Xa ufuna ukubeka ngcono, kwaye i-20 ekhulwini idlalwa njengentlawulo ephantsi (nangona unako ukwenza okungaphantsi). Ngaphantsi kwama-20 eepesenti, unakho ukuhlawula i-inshurensi yangasese ye-mortgage (PMI), eyenza izinto zibe nzima kakhulu kuwe kunye nomboleki wakho. Ukuze ufumane iingcebiso zokuza kunye nale mali, funda ngokubanzi malunga nokusebenzisa nokugcina ukuhlawula imali .
Amatyala kwiingqinisiso zengeniso: Ukuvunyelwa kuhlale kulula ngeendlela eziphantsi. Okokuthi, ukubhala phantsi kweencwadi kungasetyenziselwa ukufumana imvume kunye nemilinganiselo ephakamileyo-mhlawumbi ephakamileyo njengama-40/50, kuxhomekeka ngetyala lakho kunye nezinye izinto.
Iinkqubo zemboleko kaRhulumente: amathuba akho okuvunywa ayenzileyo kwiinkqubo zemboleko kaRhulumente. Ngokomzekelo, i-FHA, VA, kunye ne-USDA mboleko ayingozi kakhulu kubaboleki. Khumbula ukuba akusibo bonke ababolekisi abanokubhala phantsi, ngoko-ke unokudinga ukuthenga ngeenxa yokuboleka imali-kwaye isebenza neenkqubo ezithile zoorhulumente ozijongayo. Ukuba ufumana "akukho," kunokubekho umntu ngaphandle apho.
Iimali zokugcina imali: mhlawumbi kufuneka ubeke i-chunk enkulu yenguqu njengentlawulo engezantsi, kodwa kulungile ukuba neendawo zokugcina ezongezelelweyo ngesandla - kunye nezibonelelo zingakunceda ukuba uvumeleke. Ababolekisi bafuna ukukhululeka ukuba unako ukufumana amantombazana amancinci njengenkunkuma yamanzi ashushu okanye iindleko zonyango ezingalindelekanga.
Ukubuyisela Izinto
"Ukuhlawula iimeko" kwenza ukuba isicelo sakho sikhangeleke, kwaye kunokufuneka. Ezi zikhokelo ezicacileyo ezichazwe ngababoleki okanye iinkqubo zemboleko, kwaye ngamnye odibana naye wenza kube lula ukufumana imvume. Iingcebiso ezingentla zimele zisebenze ngokuzithandayo, kwaye iinkcukacha ezithile ze-FHA zincwadi ezibhalwe phantsi zibhalwe ngezantsi.
Ngokuxhomekeke kumanqaku akho okwekhredithi kunye namatyala okufumana imali, unokufuna ukwanelisa enye okanye eminye yale mfuno yokuvunyelwa kwe-FHA.
- Izibonelelo: Iimpahla ezikhoyo eziza kuhlawula iintlawulo zakho zokubambisa ubuncinane ubuncinane kwiinyanga ezintathu. Ukuba uthengisa ipropati enkulu (ezintathu ukuya kwiiyunithi ezine), uza kululeka ngokweziinyanga ezintandathu. Imali oyifumana njengesipho okanye mboleko ayikwazi ukubalwa njengempahla yokugcina.
- Amava: Inkokhelo yakho (ukuba ivunyiwe) ayikwazi ukudlulela iindleko zakho zezindlu zangoku nge-5 engama-100 e-$ 100. Injongo kukugwema ukwanda okwenyukayo ("ukutshatyalaliswa kwentlawulo") okanye intlawulo yenyanga ongazijwayele.
- Ayikho ityala lokuqonda: Ukuba uhlawula zonke iikhadi lakho lekredithi ngokugcwele, awukholwanga ngokwenene-kodwa uye wafumana ithuba lokukhawula ityala ukuba ufuna. Ngelishwa, indlela yokuphila engenamatyala ngokupheleleyo ayikuncede apha.
- Ingeniso eyongezelelweyo: Kwezinye iimeko, ukubhalwa phantsi kwe-automatikhi ayikwazi ukubala ixesha elingaphezu kwexesha, ukufumana imali yonyaka, kunye nezinye izinto njengenxalenye yengeniso yakho. Nangona kunjalo, ngokubhala phantsi, unokukwazi ukubonisa ingeniso ephakamileyo (xa unokuba ungayibhala ingeniso kwaye ungalindela ukuba iqhubeke).
- Ezinye izinto: Ngokuxhomekeke kwimboleko yakho, ezinye izinto zinokuba luncedo. Ngokubanzi, le ngcamango kukubonisa ukuba mboleko ayiyi kuba ngumthwalo kwaye unako ukuhlawula. Ukuzinza emsebenzini wakho akubi nakwezinye izinto , kwaye ezinye izinto zokugcina ngaphandle kokufunwa nazo zingenza umehluko.
Iingcebiso zeNkqubo
Cwangcisa inkqubo epholileyo kunye nexesha. Umntu ofanelekileyo ufuna ukuhamba ngamaxwebhu anikezelayo kwaye unqume ukuba ngaba awufanelekanga yini umboleko - oku kuthatha ixesha.
Uninzi lweemaphepha: Ukufumana imali yokuthenga impahla rhoqo kufuna amaxwebhu. Umbhalo wokubhala phantsi ufuna enye. Lindela ukumba zonke iifom zezimali ezicingayo, kwaye ugcine iikopi zezinto zonke ozithumelayo (mhlawumbi kufuneka uphinde ungenise). Uzakufuna iirestubs eziqhelekileyo kunye nezitatimenti zasebhanki, kodwa unokufuna ukubhala okanye unikezele iileta ezichaza imeko yakho kwaye uncede umgcini-phantsi wakho aqinisekise ubungqina.
Inkqubo yokubuyisela ekhaya: Ukuba wenza isipho, yakha ixesha elininzi lokubhala phantsi ngaphambi kokuvalwa. Faka into yokuxhaswa kwemali ukuze ufumane imali yakho ngokunyanisekileyo ukuba isicelo sakho sinqatshelwe (khuluma ne-agent yakho ye-real estate ukuqonda okukhethwa kukho). Ngokukodwa kwiimarike ezishisayo, unokuba ungathandeki njengomthengi ukuba usebenzisa iphepha lokubhala phantsi.
Hlola ezinye iindlela: Ukuba ukubhala phantsi kweencwadi kungasebenzi kuwe, kunokukho ezinye iindlela zokufumana izindlu. Ababolekisi bemali abanokubakho bangasisisombululo sethutyana ngelixa ukwakha isikweletu okanye ulinde izinto ezingekho phantsi kwe-credit report yakho. Umboleki-mali, umboleki-mali, okanye umququzeleli (xa ukhethwe ngokufanelekileyo) unokukhetha kwakhona. Ekugqibeleni, unganquma ukuba kuyenza ingqiqo ukurenta uze ukwazi ukufumana imvume.