Gadashada guri ah oo lacag caddaan ah ama amaahda

Ma in aan guriga ku iibsanayn lacag cad ama la mortgage.

Qaar ka mid ah khubarada dhaqaalaha ayaa sheegaya in dukaameeysatada waa in 100 boqolkiiba deynta-free. No kaararka deynta. Baabuur No daymaha. No deynta ah ee nooc kasta ah ee reason.That kasta oo laga yaabo in hab talo smart ilaa su'aasha ah ee guri iibsashada soo. Halkaa marka ay marayso in, ka deynta oo lacag la'aan ah nolol ka heli karaan in ay dhibaato.

In 2014, kaliya 5 boqolkiiba homebuyers-mar hore laga helay guri la'aan ah mortgage, sida dib u eegis National Association of Realtors. Bilowga ah Qaar ka mid ah ka heli gurigooda sida barako, sidaas natiijooyinka kuwa ku talinaynaa in xitaa ka yar 5 boqolkiiba baxay tirada sida loo qoondeeyo lacag ku filan in ay iibsadaan guriga ka soo baxay oo dibadda. Taasi ma aha mid aan lahayn, laakiin halkii ay tahay nabar yar oo ka mid ah dadka ku wadar ahaan labada lug ee iibsade-mar hore.
Credit Great kaa caawin kara inaad badbaadin kun on your mortgage.

Bixinta lacag caddaan ah?


Mid ka mid ah khabiir dhaqaale, Dave Ramsey ayaa sheegay in uu noqon doono habka ugu wanaagsan haddii bixinta lacagta caddaanka ah ee guriga. Markaas Waxaa jira taageerayaal Ramsey ayaa sheegay in ay iibsadaan guri lacag caddaan ah ma aha waxaan sixir ah, waana wax ma fududa. Gadashada guri ah oo lacag caddaan ah, ma mortgage la dhacay karo sababtoo ah homebuyers leeyihiin shaqo adag iyo anshaxa.

Sida xaqiiqda ah, taageerayaasha ayaa sheegay in ay lacag caddaan ah lagu bixiyo oo la qorsheeyey in ay sameeyaan sida hoos ku qoran;
• Maalgelinta iyo bixinta guriga safka hore.
• In la dhiso guri naftooda iyo lacag bixinta qalabka muddo ka dib.
• Saving iyo qayb muddo dheer ka hor inta wax gadashada.
• Iibsiga ah $14,000 jiheeye-sare oo sameeyo dayactirka isu shaqeeyaan.
• Ku noolaanshaha gurigaaga qof qaraabo ah, halka ay isku dayeen inay wax ku filan in ay tudhi gadashada.

Waxaad u baahan tahay si aad u hesho credit credit


Si kastaba ha ahaatee, haddii habka bixinta lacag caddaan ah uma shaqeeyaan Shubi Korkooda, homebuyers u leeyihiin in ay la kulanto dhib ah oo aad ku ah amaahda hantida maguuraanka ah maxaa yeelay, iyagu waligood credit oo dhan. Iyagu ma leeyihiin credit xun, laakiin waxay ku credit ma, Neill ayaa sheegay in. “Waxay qaadatay koorsada Dave Ramsey ama sameeyo nooc kale oo ka mid ah qorshaynta dhaqaalaha qaar ka mid ah iyo talo yahay, 'Ha bixiso kaararka deynta, bixiyo lacag caddaan ah.’ Taasi waa hanuun fantastik ah ilaa waxaa la gaaray waqtigii in aad qabto in aad la hadasho wax amaahiya amaahda si aad u hesho prequalified oo waxay odhan, "Ma ahan arin aad ee isagoo ah 500 credit rating. Waa arrin aad u ah oo aan lahayn credit haba yaraatee.
Article kale ee website Ramsey ayaa qiray, in uu “100 Qorshaha Down Boqolkiiba” waxaa laga yaabaa in la gaari waayey qaar ka mid ah. Haddii ay sidaa tahay, homebuyers waxaa lagula talinayaa in ay sugaan in ay hesho amaahda ilaa:
• Waxay tahay deyn-free.
• Waxay leeyihiin ugu yaraan saddex ilaa lix bilood ah kharashka ku kaydka degdeg ah.
• Waxay leedahay lacag hormaris ah oo ugu yaraan 10 boqolkiiba, iyo sida la doorbidayo 20 boqolkiiba.
• Haddii guursaday, ay la raacay sanad ugu yaraan ah.
“Haddii aadan bixinta lacag caddaan ah, hesho amaahda-go'an heerka ah 15 sano ama ka yar. Ku hay hoos u bixinta — wax ka badan 25 boqolkiiba aad guriga kuheshiid,” maqaalka taliyaa.
Dhexdhexaadinta ee credit
Roona Financial, sida Bob Morrison, Maamulaha a at Downing Street Wealth Management ee Littleton, Colorado, odhan macaamiisha waa inay ka fogaadaan overusing ama underusing credit.
“Sida caadiga ah, (guri iibsashada) waxay u baahan tahay credit, si credit sameynta waayo, taasu waa mid aad u muhiim ah,” Morrison ayaa sheegay in. “Idinkuna ma waxaad doonaysaan in ay tagaan waalan iyo ka iibsan wax aan gudahood hab aad, laakiin waqti isku mid ah, isticmaalaya credit caqli waa xigmad.”
Ronit Rogoszinski, taliye barwaaqadooda, halka Financial Group janada City, New York, ayaa sheegay in iyagoo “arbushaad ka baxo ama u maxed out” la credit “Macno ma sameeyneeyso hab midkood.”
“Waxaa laga yaabaa inaad ka maqan fursad ay ku iibsadaan guri laga yaabaa in aad u dhisi kara sinaanta iyo malaha sida aad dhaxalka carruurtaada,” Rogoszinski sheegay. “Dhinacada xaq uma shaqeeyaan.”
2 fursadaha score credit
Homebuyers kuwaas oo aan haysan credit ama credit file waa mid aad u dhuuban si ay dhibcaha credit laba doorasho, ayaa sheegay in Greg Cook, taliye mortgage ee Platinum Home Mortgage in Temecula, California.
Doorasho Alternative credit
Mid ka mid ah doorasho waa in la abuuro taariikh credit kale ka xogaha lacageed kale, sida jeegag kirada, caymiska iyo biilasha danabka. Tani waxa waqti lumis iyo qaadan kartaa dhowr bilood si ay u dhamaystiraan, iyo Cook ayaa sheegay in deyn dhan lahayn khayraadka loo sameeyo.
Waa maxay more, isagu wuxuu leeyahay, natiijada “ma in ay score weyn” sababtoo ah taariikhda credit kale oo aan dib taariikhda doonaa in ka badan laba ama saddex sano. Taasi waxay ka dhigan tahay wax iibsadaa dhab ahaan iskaga bixin doontaa dulsaar sare ah amaah guriga ka badan qof fiican taariikhda credit dhaqanka.
Doorasho card Credit
Fursada kale waa in la helo credit card, ka qaadaan lacag aan sidaa u badnayn oo waxaad ka samaysaa ugu yaraan lacag bixinta ugu yar ee ugu yaraan lix bilood ah, Waqtiga ugu yar ee loo baahan yahay in ay curiyaan score Fico ah.
Xisaabta waa in lagu waxanse oo sheegay in xafiisyada credit iyo in aan la xiriirin karo haysta wax account ayaa la sheegay inuu dhintay, sida ay MyFICO.com.
“Si ka duwan credit kale, waa credit dhabta ah,” Cook ayaa sheegay in. “Haddii aad haysato lixda bilood ee’ taariikhda markaasuu laba xadhig ganacsiga firfircoon iyo wax kasta oo kale waa in si, si aad u wanaagsan oo aad ka heli karto (amaah) ansixiyo.”
CR. Bankrate.com

Haddii ay suurtagal tahay, bixisid lacag caddaan ah. Haddii aadan, guri iibsadaan la amaahda.

Waxba ma ay helin.
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Gadashada guri ah oo lacag caddaan ah ama amaahda | mortgage, amaahda

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