Izinto ukwazi ngaphambi pre-ukuthola mortgage

Ngaphambi kokuba uqale ukufuna ikhaya, kudingeka pre-ukuthola mortgage loan.

Le nqubo ihilela analysis okusheshayo by a mortgage Isikhulu ukubona uma unayo yonke ezidingekayo zezimali ukuthenga ekhaya.

Ngeke ukwazi pre-ukuthola loan ukuthenga ekhaya lakho, uma isicelo sakho kungamukelwa. Nokho, kukhona izinto ezibalulekile ongazenza ukuze ukuvula isimo sakho emhlabeni.

Futhi Yiqiniso, leyo, ukulawula lezi zindawo main eside ngaphambi kokuba ahlangane a mortgage Isikhulu kuyindlela smart ukuya.
Nazi ezinye izeluleko ukuze kukusize ukwazi ukusingatha ezisemqoka in the loan mortgage-inqubo yokwamukela:

Oku-Ufaneleke for a No.1 mortgage ngcono credit yakho score

Nakuba ababolekisi ehlukene ezahlukene izidingo credit score, ungase kudingeke ukuba babe credit score omuhle; like 680 noma ngaphezulu, pre-ukuthola loan. Uma izikolo zakho akuzona okusezingeni ngokwanele, kukhona izinyathelo ezimbalwa ongazithatha ukuze uthuthukise simo sakho:

  • Oda credit yakho imibiko: Oda ikhophi umlando wakho credit kusuka Experian, TransUnion and Equifax. Ikamu ngokusebenzisa imibiko yakho futhi phikisa phi amaphutha uthola. Amaphutha kokususwa noma alungisa ngayo umbiko wakho zingakapheli 30 izinsuku.
  • Khokha phansi debt: Debt akhawunti 30% of Fico yakho credit score. Ukukhokhela phansi izikweletu bayophakamisa isikolo sakho.
  • Khokha izikweletu zakho ngesikhathi: Kungase kuthathe izinyanga eziningana, kodwa ukukhokha izikweletu zakho ngesikhathi kuzokwenza ngcono credit yakho izikolo.
  • Cabangela kabusha amaphuzu ngokushesha: Uma isikolo sakho useduze 680, ungakwazi ukusebenza kanye yakho isikhulu loan ukwenza kabusha amaphuzu ngokushesha, lapho ungakwazi ngokushesha bazilungisele umshini.
  • Oku-Ufaneleke for a Hlala mortgage No.2 in one job

    Ababolekisi bafuna ukubona ukuthi ubulokhu usebenza kancane nasendleleni efanayo umsebenzi iminyaka emibili noma ngaphezulu endaweni efanayo ngaphambi ungakwazi pre-ukuthola loan. Lokhu kubonisa ukuzinza kanye kubenza nizoqhubeka buyisela mortgage yakho.

    Uma ungazange ayesebenza isikhathi eside, balwela ukuhlala nomqashi wakho wamanje (noma ensimini yakho career) uze ufinyelele iminyaka emibili-mark. Ukushintsha yemsebenti ngeke ubuhlungu amathuba akho ukuba pre-ukuthola loan.

    Oku-Ufaneleke for a mortgage no.3 wandise engenayo

    Uma kungukuthi ekwenzeni imali okuningi njengoba udinga pre-ukuthola loan, une ongakhetha ezimbalwa:

  • Thola iholo.
  • Thola co-umboleki kanye credit okuhle. Kodwa iholo labo wanezela eyakho kungase ukwenza loan kungenzeka.
  • Bheka ngoba ikhaya ephansi-ontengo yakhe yayinqunyiwe ukuthi ungakwazi ukukhokhela kangcono.
  • Oku-Ufaneleke for a WESI-4 mortgage Yakha imali

    Ababolekisi uthanda ukubona ukuthi unayo imali izehlakalo ku-akhawunti yakho yasebhange - cishe kwezinyanga ezimbili kuya kwezintathu of nokukhokhela. Ababolekisi Abaningi zidinga ubufakazi bokuthi izehlakalo izimali zakho bebelokhu akhawunti yakho okungenani 60 Ezinsukwini ezimbalwa ngaphambi kokuba ungakwazi pre-ukuthola loan.

    Uma ungenayo ngokwanele akhawunti yakho, yezimanga ukuboleka izimali ezidingekayo emalungwini omndeni noma aqale ukubeka imali yakho siqu. Nokho, ugcine engqondweni uyodinga kuwufanele izinyanga ezimbili zasebhange ukufakazela uke kwadingeka izehlakalo izimali zakho for the time edingekayo.

    Lezi amathiphu ezine ongakusiza ekufinyeleleni imigomo yakho uma kuziwa yokuphepha mortgage ezidingekayo ukuthenga ekhaya, futhi ngisho noma ungakaze pre-wakufanelekela ngaphambilini, lezi zinyathelo kungaba kuwe endaweni lapho ungakwazi pre-ukuthola loan.

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    Izinto ukwazi ngaphambi pre-ukuthola mortgage | isicelo a mortgage, mortgage, mortgages, loan, loans

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