Indlela yokufumana mboleko ngekhredithi embi emva kokuvalwa okanye ukuchithwa
Abaninzi abathenga abathengi bacinga ukuba abakwazi ukuthenga indlu ukuba i-credit yabo ityunyiwe, kodwa oko akunjalo.
Kukho ithemba labo bafuna ukuthenga indlu, nangona ukuba i-credit yabo iyingozi. Makhe sibone indlela.
Ixesha elilindelekileyo lokulinda ngetyala emva kokungcima / ukuchithwa
- Ixesha eliphakathi kokufakela i-bankruptcy filings malunga neminyaka esixhenxe, kodwa i-ding kwingxelo yakho yemali-mboleko ihlala iminyaka eyi-10, nto leyo ibangela i-credit card.
- Ukufumana amazinga angcono kunye nomboleko ohambelanayo, ulinde yiminyaka emine emva kokufakela i- bankruptcy okanye ukuthengiswa okufutshane .
- Izikhokelo ze-FHA ziyiminyaka emibili emva kokungqambela , oku kuthetha ukuba unako ukufumana ilungelo eliphantsi kwe-3.5% phantsi. Iminyaka emithathu ngekhredithi embi emva kokuthengisa okufutshane . Ezi zikhokelo zivumela omnye unyaka emva kokuthengiswa okufutshane "okufanelekileyo" kodwa umboleki-mboleko uyalahla le ngcamango.
- Ababolekisi bemali enzima baya kubakhokelela imali emva kweenyanga ezintandathu emva kokufakela i-bankruptcy okanye ukuchithwa kwemali kodwa kunokufuna i-20% ukuya kwi-35% phantsi kwentlawulo ngenxa yekhredithi embi. Inzala yenzalo iya kuba phezulu kakhulu kwaye imiqathango yemboleko ayikho into efanelekileyo; baninzi baya kuba neentlawulo zentlawulo kunye nokulungiswa.
- Ababolekisi be-Subprime (ukuba bangadideki kunye nababolekisi abanomsebenzi onzima) abambalwa benze iitalenti zemali eziyi-100%, nangona ngetyala elibi.
Indlela yokuphucula i-ngxowa-mali yakho embi ukuze ufumane umboleko ohambelanayo
Nangona usenokucinga ukuba i-credit yakho engalungile ayakukuvumeli ukuthenga ikhaya, loo nto ingenakulungile. Musa ukubhala amathuba akho ukuthenga ikhaya ngekhredithi embi nje ngenxa yokuba ukholelwa le nto.
Thetha kumthengisi wemboleko ogqwesileyo ekuncedeni abobolekayo ngekhredithi embi ukuthenga ikhaya.
- Fumana ikhadi elikhulu lekhredithi. Kulula ukufumana ngaphezu kokuba ucinga emva kokuphawulwa, ngenxa yezizathu ezintathu: ukufakela i-bankruptcy kufaka "ukuqala ngokutsha", umbolekisi uyazi ukuba awunayo ityala kwaye awukwazi ukufakela i-bankruptcy kwakhona kwiminyaka engama-7.
- Bonisa umsebenzi oqinileyo kumsebenzi omnye ukuya kwiminyaka emibini.
- Ukufumana umvuzo oqhelekileyo okanye umvuzo (oku akusebenzi kwi-self-employment).
- Gcina ukuhlawula kwe-10%.
- Gwema ukuhlawulwa kwexesha elifutshane kwaye uqhubeke nokuhlawula iibhokhwe zakho ngexesha; musa ukuwa emva.
Indlela izikolo zeFICO ezichaphazela ngayo amazinga omdla xa kuthengwa ikhaya elinetyala elibi
Sathetha no-Evelyne Jamet kwi-Vitek Mortgage malunga nokungafani phakathi kwee- FICO kunye nendlela ehambelana ngayo nomyinge wabanini-mboleko. Amanqaku alandelayo athelekiswa nomyinge womntu obolekayo ngamanqaku angama-600 eFICO aya kubhatala abangayifaki i-bankruptcy okanye balahlekelwa yendlu yangaphambili yokucima. Lo mzekelo uthatha umntu obolekayo ngekhredithi embi ubeka phantsi i-10% yentengo yokuthenga ngemali kwaye udibanise iimfuno zexesha elilapha ngasentla.
- I-FICO Amanqaku angama-600 ukuya ku-640: + 1.625% ngaphezu kwezinga elikhoyo. Oku kuthetha ukuba umntu obolekayo ngekhredithi enhle uhlawula u-5.875%, inzala yakho iya kuba yi-7.5%.
Imali mboleko yemali engama-200,000 e-7.5% iya kukunika inkokhelo yenyanga eyi-1,398.
- Isaphulelo se-FICO se-560 ukuya ku-580: + 2.875% ngaphezu kwezinga elikhoyo. Oku kuthetha ukuba umntu obolekayo ngekhredithi enhle uhlawula i-5.875%, inzala yakho iya kuba yi-8.75%.
Imali mboleko yemali engama-200,000 kwi-8.75% iya kukunika intlawulo yenyanga yenyanga eyi-1,573.
- Isaphulelo se-FICO se-540 ukuya ku-559: + 3.425% ngaphezu kwezinga elikhoyo. Oku kuthetha ukuba umntu obolekayo ngekhredithi enhle uhlawula i-5.875%, inzala yakho iya kuba yi-9.3%.
Imali mboleko yemali engama-200,000 e-9.3% iya kukunika intlawulo yenyanga ye-1,653.
- Amanqaku angama-540 ukuya ku-500: + 3.875% ngaphezulu kwezinga elikhoyo. Oku kuthetha ukuba umntu obolekayo ngekhredithi enhle uhlawula i-5.875%, inzala yakho iya kuba yi-9.75%.
Imali mboleko yemali engama-200,000 e-9.75% iya kukunika inkokhelo yenyanga eyi-1,718.
- I-FICO Amanqaku angaphantsi kwama-500: + 6.25% ngaphezu kwezinga elikhoyo. Oku kuthetha ukuba umntu obolekayo ngekhredithi enhle uhlawula u-5.875%, inzala yakho iya kuba yi-12%. Nge-FICO engaphantsi kwe-500, awuyi kufaneleka kwimali-mboleko engama-90%, kodwa unako ukufumana imboleko yemali engama-65%, ngoko ke kufuneka ukwandise intlawulo yakho ukusuka kwi-10% ukuya ku-35%.
Imali- mboleko yemali engama-200,000 e-12 % iya kukunika intlawulo yeenyanga ezi-2,557.
Ukuqhathanisa amaFICO afanayo kunye nabboleki nabangabikho ukuchithwa okanye ukuchithwa
Obolekayo ngaphandle kokuchithwa okanye ukuchithwa kwemali nge-600 FICO uya kufumana inzala ye-5.875% (esekelwe ngasentla) kwaye uhlawule intlawulo yenyanga ye-1183 kwi-mboleko yemali engama-200,000. Unokubona ukuba ukufakela i-bankruptcy okanye ukuchithwa kwirekhodi yakho, kunye ne-FICO yamanqaku angama-600, kubangela ukunyuka kwintlawulo ye- mortgage ye-$ 215 ngaphezu kobolekayo ngaphandle kokuchithwa okanye ukuchithwa. Nangona kunjalo, loo mahluko phakathi kwentlawulo uya kukuvumela ukuba uthenge ikhaya.
Eyongezelelweyo kwiBhanki-Inkxaso yeNgxowa-mali engekho
Abboleki abangenelisekanga ngesantya esinikezelwa ngumboleki-mboleko bangafuna ukubheka ukuthenga ikhaya kunye nezimali zokuthengisa . Iikontrakthi zomhlaba zinikeza enye indlela efanelekileyo. Ngokuqhelekileyo, umthengisi wezezimali unikeza:
- Akukho mfanelo
- Inzala ephantsi
- Imiqathango yeFlexible kunye neentlawulo eziphantsi
- Ukuvala ngokukhawuleza
Uya kufuna ukujonga ngetyala lakho ngonyaka okanye njalo ukuze ufumane ukuba ufanelekile ukulungiswa kwinqanaba eliphantsi.
UKUQALA: I-Vitek Mortgage ngumthengisi okhethiweyo kumqeshi wam othengisa kwaye ujabulele ubudlelwane obunxulumene neLyon Real Estate. U-Evelyne Jamet ulawula iitaliti kuphela eNew Mexico, eColorado naseCalifornia kwaye uxelela ababoleki ukuba baqhagamshelane nababi beentengo zemboleko.
Ngethuba lokubhala, u-Elizabeth Weintraub, u-DRE # 00697006, ungumthengisi-uMbutho kwiLyon Real Estate eSigramento, eCalifornia.