Ukuthenga ekhaya cash noma nge mortgage

Akufanele ukuthenga ekhaya ukheshi noma nge mortgage.

Abanye ochwepheshe zezimali zithi abathengi kufanele babe 100 Amaphesenti angu izikweletu-free. No amakhadi credit. No car loans. No debt yanoma yiluphi uhlobo kunoma iyiphi reason.That kungase kube indlela iseluleko smart kuze umbuzo ukuthenga ekhaya kufika. Ngaleso sikhathi, the debt khulula ukuphila ungathola kube inkinga.

In 2014, nje 5 kwamaphesenti angu okokuqala homebuyers wathola ekhaya ngaphandle mortgage, njengoba ukubuyekeza yiNational Association of Realtors ngalinye. Abanye abaqalayo ukufika ekhaya yabo njengoba isibusiso, kanjalo labo nemiphumela batusa ukuthi ngisho nangaphansi 5 Amaphesenti angu esiphethweni kanjani ukubekela eqadi imali eyanele ukuthenga ikhaya ukuphuma futhi. Lokho akuyona akekho, kodwa kunalokho kungcono Imi kancane komphakathi aggregate of lokuqala time purchasers.
Credit Great angakusiza ugcine izinkulungwane on yakho mortgage.

Ukukhokhela with cash?


Omunye uchwepheshe zezimali, Dave Ramsey wathi kuyoba indlela engcono uma ukukhokha ukheshi ikhaya. Khona Kukhona abalandeli Ramsey wawuthi ukuthenga umuzi ukheshi akuyona magic futhi kungelula. Ukuthenga a ekhaya cash, ngeke mortgage kungenziwa kwenzeka ngoba homebuyers umsebenzi onzima nesiyalo.

Empeleni, abalandeli libike ukuthi akhokhe ukheshi kanye kuhlelwe ukuba wenze njengoba ngezansi;
• Ukukhokhela futhi ukuyikhokhela a ekhaya ukuziqalela lokuqala.
• Ukwakha ikhaya ngokwabo futhi ukukhokha imali izinto emva kwesikhathi esithile.
• Saving futhi imali isikhathi eside ngaphambi kokuthenga.
• Ukuthenga a $14,000 fixer-eliphezulu ekwenzeni ukulungisa ukusebenza ngokwabo.
• Ukuhlala ekhaya yesihlobo ngenkathi azama ukuba ngokwanele esikhululekile ukuthenga.

Udinga credit ukuze uthole credit


Nokho, uma indlela yokukhokha ngokheshi musa zifezeke ngabo, homebuyers kufanele nazo kanye nobunzima ukuthola loan mortgage ngoba angikaze kwadingeka credit ngaso sonke. Abanawo credit ezimbi kodwa awunasikweletu, Neill wathi. “Babé kuthathwe inkambo uDave Ramsey noma kwenziwe ezinye uhlobo ezezimali kanye seluleko, 'Musa akhokhe credit cards, ukukhokha ukheshi.’ Yilokho isiqondiso fantastic kuze sekuyisikhathi ukuthi une ukukhuluma umbolekisi mortgage ukuze uthole prequalified futhi bathi, 'Akuyona nenkinga kini kokuba 500 credit Isilinganiso. Kuba nenkinga kini engenalo nelincane credit ngaso sonke.
Esinye isihloko on website Ramsey liyavuma ukuthi sakhe “100 Amaphesenti Down Plan” angase angakwazi ukuzamukela ukufinyelela abanye. Ngaleso sizathu, homebuyers belulekwa ukulinda ukuthola mortgage kuze:
• Ubathola izikweletu-free.
• Sinenkosi okungenani ezintathu kuya kweziyisithupha izinyanga izindleko savings eziphuthumayo.
• Sinenkosi ukukhokhelwa phansi okungenani 10 Amaphesenti angu, futhi ikakhulu 20 Amaphesenti angu.
• Uma washada, babé ikalishi okungenani ngonyaka.
“Uma kungukuthi ukukhokha ukheshi, uthole mortgage fixed-rate for 15 Eminyakeni noma ngaphansi. Gcina ongaphakeme yakho yokukhokha — akukho ngaphezu 25 kwamaphesenti angu yakho pay take-ekhaya,” isihloko weluleka.
Ukulinganisela credit
Abahleli Financial, like Bob Morrison, uthishanhloko at Downing Street Wealth Management e Littleton, Colorado, uthi abathengi kufanele ugweme nokusebenzisa ngokweqile noma underusing credit.
“Ngokuvamile, (ukuthenga umuzi) kudinga credit, kanjalo credit ekusunguleni for ukuthi kubaluleke kakhulu,” Morrison uthi. “Anifuni ukuba go crazy futhi uthenge izinto ezingekho ngokwamandla akho, kodwa ngesikhathi esifanayo, usebenzisa credit ngokuhlakanipha uhlakaniphile.”
Ronit Rogoszinski, umcebo Umeluleki for Arch Financial Group e Garden City, I-New York, kusho ukuba “zeroed out noma maxed out” isikweleti “akwenzi mqondo noma kunjalo.”
“Ungase ongekho ithuba mhlawumbe sokuthenga umuzi ukuthi ungakwazi ukwakha ukulingana in futhi mhlawumbe ube nefa lakho izingane zakho,” Rogoszinski uthi. “The ukweqisa nje engasebenzi.”
2 Izinketho credit score
Homebuyers abangenawo credit noma ifayela ogama credit kakhulu mncane ukuba ukhiqize amaphuzu credit ezimbili ongakhetha, Greg Cook uthi, mortgage umxhumanisi at Platinum Home Mortgage in Temecula, California.
Alternative credit option
Omunye option ukwakha umlando credit kwenye namanye amarekhodi zezimali, ezifana rent amasheke, umshuwalense futhi Umbuso izikweletu. Le nqubo isikhathi esiningi futhi kungathatha izinyanga eziningana ukuqedela, futhi Cook uthi akuzona zonke ababolekisi babe nezinto ukukwenza.
Yini more, uthena, Umphumela “Ngeke kube amaphuzu enkulu” ngoba ehlukile umlando credit ngeke eyangezikhathi eminyakeni engaphezu kuka ezimbili noma ezintathu. Lokho kusho umthengi cishe akhokhe ephakeme interest rate for a ekhaya loan kuka umuntu unalo bendabuko umlando credit okuhle.
Option Credit card
The ezinye option ukuthola ikhadi lokuthenga ngesikweletu, bakhokhiswe sum nesizotha futhi wenze okungenani inkokhelo okungenani izinyanga okungenani eziyisithupha, isikhathi esincane ezidingekayo ukuze ukhiqize amaphuzu Fico.
Ukulandisa kumele Akuphikwa zabika izikweletu futhi ngeke ehambisana umnikazi akhawunti oye kubikwe njengomuntu oshonile, ngokusho MyFICO.com.
“Ngokungafani credit ehlukile, kuba credit Okuyınqo,” Cook uthi. “Uma une izinyanga eziyisithupha’ umlando amabili asebenzayo ukuhweba imigqa futhi konke okunye ukuze, ungase uthole kahle kakhulu (loan) imvume.”
Cr. Bankrate.com

Uma kwenzeka, ukukhokha ukheshi. Uma kungenjalo, ukuthenga ekhaya nge mortgage.

Akukho okutholiwe.
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Ukuthenga ekhaya cash noma nge mortgage | mortgage, mortgages

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