Waxayaabaha ah inaad ogaato ka hor inta pre-u qalanto amaahda

Ka hor inta aanad bilaabin raadinta guri, aad u baahan tahay in ka hor-u qalanto ah mortgage amaah.

Marxaladani waxay ku lug leedahay falanqaynta deg deg ah oo ay ku mortgage Sarkaalka si loo arko haddii aad leedahay oo dhan shahaadooyinka dhaqaale lagama maarmaan si ay u iibsadaan guri.

Ma awoodi doontid inaad ka hor-u qalanto ah amaah gadanayso guri, haddii codsigaaga la aqbalin. Si kastaba ha ahaatee, waxaa jira waxyaabo muhiim ah oo aad samayn karto si aad u jeedi xaaladda ku hareereysan.

Iyo dabcan, in uu yahay, maaraynta, kuwaas oo meelaha ugu muhiimsan ee muddo dheer ka hor inta aad la kulanto ah mortgage Sarkaalka ayaa ah habka ugu smart si ay u tagaan.
Halkan waxaa ku qoran qaar ka mid ah talooyin aad ku caawin in aad qaban arrimaha muhiimka ah ee amaahda hantida maguuraanka ah-hannaanka ansixinta:

Pre-qalanto No.1 amaahda loo hagaajiyo score credit aad

Iyadoo deyn kala duwan waxay leeyihiin shuruudo score credit kala duwan, aad u baahan tahay in ay dhibcaha credit wanaagsan; sida 680 ama ka sare, gogoldhigga u qalanto ah amaah. Haddii dhibcaha aysan sare ku filan, waxaa jira xoogaa tallaabooyin ah oo aad qaadi karto si aad u hagaajisid derajada:

  • Amarto Warbixintaas oo aad: Ka dalbo nuqul ka mid ah taariikhda credit aad ka Experian, TransUnion iyo Equifax. Shanlee iyada oo wararka aad iyo murmi khaladaad kasta oo aad ka heli. Khaladaadka la saaraa ama saxo aad warbixin gudahood 30 maalmood.
  • Waa inaad hoos u deyn: Xisaabaha deynta ah ee 30% dhibcaha credit Fico aad. Bixinta deynta hoos u kicin doontaa score.
  • Bixi biilasha waqtiga: Waxay qaadan kartaa dhowr bilood, laakiin bixinta biilasha waqtiga hagaajin doono dhibcaha credit aad.
  • Tixgeli dib-u-score degdeg ah: Haddii aad score ku dhow yahay inuu 680, kula sarkaalka deynta aad ka shaqayn kartaa in ay sameeyaan dib-u-score degdeg ah, halkaas oo aad ka dhigi kartaa si deg deg ah dayactirka.
  • Pre-qalanto Joog no.2 amaahda ka mid ah shaqada

    Deyn doonayaan in ay arkaan in aad la shaqeeya si joogto ah oo waafaqsan isla shaqada laba sano ama ka badan isla goobta ka hor inta aadan ka hor-u qalmi kartaa amaah ah. Tani waxay muujinaysaa xasiloonida iyo iyaga suura gelinayaa inaad sii wadi doonaa inaan u abaalgudo aad mortgage.

    Haddii aadan la shaqeeya dheer in, ujeedadoodu tahay inay shaqo aad hadda joogaan (ama duurka shaqo) ilaa aad ka gaarto mark laba sano ah. Beddelidda xirfadaha yeeli doonaan fursado aad gogoldhigga u qalanto amaah ah.

    Pre-qalanto ah dakhliga loo kordhiyo NO.3 mortgage

    Haddii aadan samaynta lacagta ugu badan ee aad u baahan tahay in ay ka hor-u qalanto amaah ah, aad leedahay xoogaa fursado ah:

  • Hel kordhiyo mushaarka ah.
  • Raadi ah co-amaahdaana la credit wanaagsan. Dakhligooda ku daray inay kuwaaga dhigo amaah ah ay suuragal tahay.
  • Raadi guri hoose-jaban in aad si fiican u awoodi karo.
  • Pre-qalanto No.4 amaahda dhis hantida maaliyadeed

    Deyn jecel yihiin in ay arkaan in aad haysato lacag kugu sii in xisaabtaada bangiga - oo ku saabsan laba ilaa saddex bilood ah lacagta amaahda guryaha. Deyn badan ayaa sidoo kale u baahan tahay cadeyn u tahay in lacag la sii aad ku jirtay in aad xisaabta ugu yaraan 60 maalmood ka hor inta aadan karin ka hor-u qalanto amaah ah.

    Haddii aadan haysan in kugu filan in aad xisaabta, in aad sidoo kale u baahan yahay lacag ka amaahan kartaa xubnaha qoyska ama bilowdo kaydsi lacag caddaan ah oo aad u gaar ah. Si kastaba ha ahaatee, maskaxda ku hayso waxaad u baahan doontaa iibinno laba bilood ah qoraallada bangiga inuu idin tijaabiyo lahaa lacagta la sii aad markii ugu baahan yahay.

    Kuwani afar talooyin kaa caawin kara in aad gaaray gool marka ay timaado ammaanka mortgage lagama maarmaanka ah si ay u iibsadaan guri, iyo xitaa haddii aadan hore ka hor-baxday, tallaabooyinka soo socda, kuwaas oo aad si aad kartaa in aad meel aad ka hor-u qalmi kartaa amaah ah.

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    Waxayaabaha ah inaad ogaato ka hor inta pre-u qalanto amaahda | codsato amaahda, mortgage, amaahda, amaah, daymaha

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