Yuav ib lub tsev nrog cov nyiaj ntsuab los yog nrog ib tug txais nyiaj yuav tsev

Should we buy a home with cash or with a nqi tsev.

Ib txhia nyiaj txiag cov kws txawj hais tias neeg yuav khoom yuav tsum tau muaj 100 feem pua ​​cov nuj nqis-dawb. Tsis muaj credit cards. No car nyiaj txais. Tsis nuj nqis ntawm txhua yam rau tej reason.That tej zaum yuav yog ib txoj kev ntse tswv yim kom txog thaum cov nqe lus nug ntawm yuav ib lub tsev los mus. Nyob rau ntawm taw tes, the debt free life can get to be a problem.

Nyob rau hauv 2014, cia li 5 percent of first-time homebuyers obtained a home without a nqi tsev, raws li ib tug xyuas los ntawm cov National Association ntawm Realtors. Ib txhia pib tau lawv lub tsev li ib txoj koob hmoov, li ntawd, cov neeg ua tau pom zoo kom hais tias txawm nyob rau hauv 5 feem pua ​​xam tau tawm li yuav ua li cas tso tseg los tau nyiaj txaus yuav ib lub tsev tawm thiab tawm. Uas tsis yog tsis muaj ib tug, tab sis, theej nws yog ib tug me ntsis txiav ntawm lub sau ua ib pawg pej xeem ntawm thawj-lub sij hawm yeej.
Great credit can help you save thousands on your nqi tsev.

Them nyiaj ntsuab?


Ib tug ntawm cov nyiaj txiag cov kws muaj txuj, Dave Ramsey hais tias nws yuav ua tau qhov zoo tshaj plaws txoj kev hais tias kev them nyiaj rau ib tug lub tsev. Ces Muaj Ramsey tus kiv cua hais tias yuav ib lub tsev nrog cov nyiaj ntsuab tsis yog ib tug khawv koob thiab nws yuav tsis yooj yim. Yuav ib lub tsev nrog cov nyiaj ntsuab, tsis txais nyiaj yuav tsev yuav tsum tshwm sim vim hais tias coob ces yuavtsum tau muaj zog ua hauj lwm thiab kev qhuab qhia.

Nyob rau hauv kev muaj tiag, kiv cua hais qhia tias lawv them nyiaj ntsuab thiab npaj ua raws li hauv qab no;
• Txais thiab them tawm ib tug oob khab tsev ua ntej.
• Lub tsev ib lub tsev rau lawv tus kheej thiab them nyiaj rau tej ntaub ntawv tom qab tej lub sij hawm.
• Txuag thiab pab rau ib ntev lub sij hawm ua ntej kev yuav khoom.
• Muas ib tug $14,000 fixer-sauv thiab ua kho ua hauj lwm lawv tus kheej.
• Nyob rau hauv ib tug txheeb ze lub tsev thaum lawv sim txaus spare rau purchase.

Koj yuav tsum credit tau credit


Txawm li cas los, yog hais tias tus txoj kev ntawm kev them nqi nyiaj ntsuab tsis ua hauj lwm tawm rau lawv, homebuyers have to encounter with the difficulty of getting a nqi tsev nyiaj txais because they have never had credit at all. Lawv tsis muaj phem credit tab sis lawv muaj tsis muaj credit, Neill hais tias. “Lawv twb coj ib tug Dave Ramsey kawm los ua ib co lwm hom ntawm kev npaj nyiaj txiag thiab lub tswv yim yog, 'Tsis txhob them credit cards, them cov nyiaj ntsuab.’ Uas yog qhov zoo heev taw qhia kom txog rau thaum nws yog lub sij hawm uas koj yuav tsum tham nrog tus nqi tsev qiv nyiaj rau koj kom tau prequalified thiab lawv hais tias, 'Nws tsis yog ib qhov teeb meem ntawm koj muaj ib tug 500 credit rating. Nws yog ib qhov teeb meem ntawm koj tsis muaj ib credit rau tag nrho cov.
Lwm tsab xov xwm rau Ramsey lub website lees paub hais tias nws “100 Feem Pua Down Plan” tej zaum yuav tawm ntawm ncav cuag rau ib co. Nyob rau hauv cov ntaub ntawv uas, ces yuavtsum tau mus yuav tsum tau mus tos kom tau ib tug nqi them yuav tsev kom txog rau thaum:
• Lawv nyob nraum nqi-dawb.
• Lawv muaj tsawg kawg yog peb mus rau rau lub hlis ntawm cov nuj nqis nyob rau hauv thaum muaj xwm ceev nyiaj khaws tseg.
• Lawv muaj ib tug cia kev them nyiaj uas tsawg kawg 10 feem pua, thiab dua li 20 feem pua.
• Yog hais tias sib yuav, lawv twb tau hitched rau tsawg kawg ib xyoos.
“Yog hais tias koj tsis them cov nyiaj ntsuab, tau ib taag-rate nqi tsev rau 15 xyoo los yog tsawg dua. Khaws koj cov nyiaj them tsawg — tsis muaj ntau tshaj li 25 feem pua ​​ntawm koj nqa mus tsev tau,” hauv tsab xov xwm tswv yim.
Cawv nyob rau hauv credit
Nyiaj txiag phau ntawv npaj rau, zoo li Bob Morrison, tus thawj xib fwb ntawm Downing Street Wealth Management nyob rau hauv Littleton, Colorado, hais tau txais kev pab yuav tsum tsis txhob overusing los yog underusing credit.
“Feem ntau, (yuav ib lub tsev) yuav tsum tau credit, yog li tsim kom muaj credit rau cov uas tseem ceeb heev,” Morrison hais tias. “Koj tsis xav mus vwm thiab yuav tej yam uas tsis yog nyob rau hauv koj txhais tau tias, tab sis nyob rau tib lub sij hawm, siv credit prudently yog paub qab hau.”
Ronit Rogoszinski, wealth adviser rau koov nyiaj txiag pab pawg neeg nyob rau hauv Garden City, New York, hais tias ua “zeroed tawm los yog maxed tawm” nrog credit “tsis ua paub yog txoj kev.”
“Tej zaum koj yuav tau uas ploj lawm lub sij hawm mus rau tej zaum yuav ib lub tsev uas koj yuav tsim kev ncaj ncees nyob rau hauv thiab tej zaum muaj raws li koj txojsia rau koj cov me nyuam,” Rogoszinski hais tias. “Lub extremes cia li tsis ua hauj lwm.”
2 credit tau xaiv
Ces yuavtsum tau mus uas tsis muaj credit los yog lawv credit ntaub ntawv no yog ib yam nkaus thiab nyias mus tsim ib tug credit tau muaj ob qho kev xaiv, hais tias Greg ua noj, nqi tsev kws pab tswv yim ntawm Platinum Tsev tsev nyob rau hauv Temecula, California.
Lwm cov credit kev xaiv
Ib tug kev xaiv no yog los tsim ib qho lwm txoj kev credit keeb kwm los ntawm lwm yam nyiaj txiag cov ntaub ntawv, xws li tus nqi xauj tsev tshev, kev tuav pov hwm txhua hli thiab nqi. Qhov no tus txheej txheem yog lub sij hawm-siv thiab yuav siv sij hawm ob peb lub hlis mus ua kom tiav, thiab ua noj hais tias tsis yog txhua txhua cov chaw qiv nyiaj muaj cov kev pab yuav ua rau nws.
Yog dab tsi ntxiv, nws hais tias, cov “tsis yog yuav mus yuav ib tug poj qhab nia” vim hais tias lwm txoj credit keeb kwm yuav tsis hnub rov qab ntau tshaj li ob los peb xyoos. That means the buyer will probably pay a higher interest rate for a tsev nyiaj txais than someone who has a good traditional credit history.
Credit card xaiv
Cov kev xaiv uas yog kom tau ib tug credit card, them ib tug coj tus sum thiab ua tsawg kawg yog qhov tsawg kawg nkaus them nyiaj rau yam tsawg rau lub hlis, qhov tsawg kawg nkaus lub sij hawm tsim nyog los ua kom muaj ib tug FICO tau.
Lub account yuav tsum tau undisputed thiab qhia rau cov credit bureaus thiab yuav tsis tau txuam nrog tej account yas dhos uas tau raug qhia raws li tuag, raws li MyFICO.com.
“Tsis zoo li lwm txoj kev credit, nws yog tiag tiag credit,” Ua noj hais tias. “Yog hais tias koj muaj ib tug rau lub hlis’ keeb kwm nrog ob tug active luam kab thiab txhua tsav txhua yam yog nyob rau hauv thiaj li yuav, koj yuav zoo heev tau ib tug (cov nyiaj txais) kev pom zoo.”
Kr. Bankrate.com

Yog hais tias tau, them cov nyiaj ntsuab. Yog hais tias tsis, yuav ib lub tsev nrog ib tug txais nyiaj yuav tsev.

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Yuav ib lub tsev nrog cov nyiaj ntsuab los yog nrog ib tug txais nyiaj yuav tsev | nqi tsev, qiv nyiaj yuav tsev

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