Muas tau ib lub tsev nyiaj ntsuab los yog muaj nyiaj txais muas tsev ib

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

Tej nyiaj ua hauj lwm hais tias shoppers yeej 100 feem pua nqi tsis pub. Tsis muaj credit card. No car qiv. Tsis muaj txhua yam rau lwm yam nqi. Uas tej zaum yuav ib txoj kev uas lub tswv yim ntse mus txog rau thaum cov nqe lus nug ntawm muas tau ib lub tsev los. Thaum ntawd taw tes, the nqi dawb 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, Thaum ib tus ntsuam xyuas los ntawm cov lub National Association of Realtors. Tej beginners tau lawv tsev li ib txwj, li ntawd, cov hauj lwm tshwm sim kom uas tseem tsis tau muaj 5 feem pua figured tawm yuav tsaws nyiaj txaus yuav ib lub tsev ua thiab tsis ua li cas. Nws tsis tsis muaj leej twg, tab sis, theej nws muaj ntsis txiav ntawm cov pej xeem aggregate ntawm thawj lub sij hawm yeej.
Great credit can help you save thousands on your nqi tsev.

Paying with cash?


One of the financial expert, Dave Ramsey said that it will be the best method if paying cash for a home. Then There are Ramsey’s fans said that buying a home with cash is not a magic and it’s not easy. Buying a home with cash, not mortgage can be happened because homebuyers have hard work and discipline.

In reality, fans reported that they paid cash for and planned to do as below;
• Financing and paying off a starter home first.
• Building a home themselves and paying money for materials after some time.
• Saving and contributing for a long time before purchasing.
• Buying a $14,000 fixer-upper and doing the repair work themselves.
• Living in a relative’s home while they attempted to sufficiently spare to purchase.

You need credit to get credit


Txawm li cas los, if the method of paying cash don’t work out for them, homebuyers have to encounter with the difficulty of getting a cov nyiaj txais nyiaj txais muas tsev because they have never had credit at all. They don’t have bad credit but they have no credit, Neill said. “They’ve taken a Dave Ramsey course or done some other type of financial planning and the advice is, ‘Don’t pay credit cards, pay cash.That’s fantastic guidance until it’s time that you have to talk with the mortgage lender to get prequalified and they say, ‘It’s not an issue of you having a 500 credit rating. It’s an issue of you not having any credit at all.
Another article on Ramsey’s website acknowledges that his “100 Percent Down Planmight be out of reach for some. In that case, homebuyers are advised to wait to get a mortgage until:
• They’re debt-free.
• They have at least three to six months of expenses in emergency savings.
• They have a down payment of at least 10 percent, and preferably 20 percent.
• If married, they’ve been hitched for at least a year.
If you aren’t paying cash, get a fixed-rate mortgage for 15 years or less. Keep your payment lowno more than 25 percent of your take-home pay,” the article advises.
Moderation in credit
Financial planners, like Bob Morrison, tus thawj xibfwb ntawm tsab ntawv Street Wealth tswj nyob rau hauv Littleton, Colorado, DVR yuav tsum tsis txhob overusing los yog underusing daim credit hais.
“Nquag, (muas tau ib lub tsev) yuav tsum tau daim credit, thiaj tsim kom muaj daim credit rau cov uas tseem ceeb heev,” Morrison hais tias. “Koj tsis xav mus vwm thiab muas khoom uas tsis muaj nyob rau hauv koj txhais tau tias, tab sis tib lub sij hawm, siv daim credit prudently yog paub qab hau.”
Ronit Rogoszinski, wealth adviser rau koov nyiaj txiag pab pawg neeg nyob hauv lub vaj lub zos, New York, hais tias qab “zeroed tawm los yog maxed tawm” nrog daim credit “tsis ntxim yog ua li cas.”
“Koj yuav tau muaj lub sijhawm los tej zaum yuav ib lub tsev uas koj tau muaj nqis nyob hauv thiab tej zaum muaj li koj txojsia rau koj cov me nyuam,” Rogoszinski hais tias. “Lub extremes xwb tsis ua hauj lwm.”
2 rov tau xaiv
Homebuyers uas tsis muaj daim credit los yog tej ntaub ntawv uas nws daim credit nyias ib yam nkaus thiab Meskas ib daim credit tau muaj ob qho kev xaiv, hais tias Greg Cook, nqi tsev neeg pab tswv yim rau Platinum tsev nqi tsev hauv Temecula, California.
Kev xaiv lwm daim credit
Ib txoj kev yuav los ua ib daim credit lwm keeb kwm ntawm lwm cov ntaub ntawv nyiaj txiag, xws li cov tshev mis nqi xauj, cov nqi ntawv kho mob thiab cov nqi dej/fais fab. Txoj kev no yog time-consuming thiab nqa tau ob peb lub hlis kom tiav, thiab ua noj hais tsis txhua lenders muaj cov chaw muab kev pab ua.
Yog dab tsi ntxiv, Nws hais tias, qhov no “yuav tsis muaj ib tug yawm tau” vim tus lwm txoj rov yav dhau los tsis hnub rov qab ua ntau tshaj li ob peb xyoo. Nws txhais tau tias tus buyer yuav zaum them ib dua paj nrog rau ib tug cov nyiaj txais tsev tshaj ib tug neeg uas muaj keeb kwm zoo tsoos daim credit.
Kev xaiv credit card
Cov kev xaiv uas yog tau txais ib daim credit card, them ib zaum txaj muag thiab ua li qhov nyiaj them tsawg tsawg kawg yog rau (6) lub hlis, yam tsawg kawg nkaus lub sij hawm yuav ua kom muaj ib tug FICO tau.
Cov nyiaj yuav tsum tau undisputed thiab qhia rau cov credit koom thiab tsis muaj mob muaj nrog tus account uas tau raug tus mob no thaum tuag lawm, raws li MyFICO.com.
“Tsis zoo li lwm daim credit, Nws yog ib daim credit tiag,” Hais tias ua noj. “Yog hais tias koj muaj ib lub hlis’ keeb kwm muaj ob yam luam kab thiab txhua tsav txhua yam yog hais, koj yuav zoo heev txais ib (nyiaj txais) pom zoo.”
Cr. Bankrate.com

Yog ua tau, them cov nyiaj ntsuab. Nws tsis yog, yuav muaj ib lub tsev uas tus nqi tsev.

Tsis nyob.
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Muas tau ib lub tsev nyiaj ntsuab los yog muaj nyiaj txais muas tsev ib | nqi tsev, mortgages

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