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了解有关抵押贷款的基本知识直接理财
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按揭贷款基本知识
拥有自己的房子是实现美国梦的关键部分, and buying a good home on a well-situated plot of land in the Greater Metro Detroit area is one of the best investments you'll ever make. 但人们对抵押贷款有很多担忧. People tend to assume it's complicated, long, and different compared to other types of loans.
抵押贷款的基本知识本质上与任何贷款都非常相似. It's money you borrow from a financial institution with a monthly repayment plan that covers principal and interest.
按揭如何运作
抵押贷款有几种类型. 我们来谈谈30年期固定利率贷款.
You will be required to have repaid your loan 30 years from the time you take it. The total amount of your loan will be divided into monthly payments over 360 months (that's 30 years). 你的贷款将被分配一个固定的溢价，即你每月偿还的金额. 这是你每月的贷款账单. In it is included the total value of the loan itself plus an added percentage which is how you pay for the service of having the money in hand before you earn it.
It's called a “固定 Rate Loan” because your premium is guaranteed to remain the same for the duration of your mortgage period. 例如, 如果你在房贷期开始时每月支付900美元, 29年后，你将支付同样的金额. It's a great package since it helps protect first-time buyers from being hit hard by inflation in their retirement years.
Our local mortgage loan officers will work with you to understand the needs and goals you may have related to your home ownership experience. We offer many different products and once the loan officer learns more about your financial needs, 他们会推荐最适合你需要的家用产品.
抵押贷款与其他贷款有何不同
The most important difference between an ordinary loan and a mortgage is the amount of money being lent and the amount of time you have to repay it. 因为买房子的性质, borrowers tend to need more money than someone starting a small business or buying a car for work.
抵押贷款的性质不同
更重要的是，你的房子不是赚钱的资产. 它为你提供庇护和安全, but it's not something you expect to make money on unless you're going to make major renovations and resell it. 出于这些原因, it only makes sense that the premiums on a mortgage should be less than those for other types of loans, 资格也往往更复杂一些.
有担保vs无担保
普通贷款可以是有担保的，也可以是无担保的. 担保贷款是由某种形式的抵押品作担保的. 抵押贷款 are always backed up by collateral in the form of the home being purchased.
如果你想在大底特律地区买第一套房子, 让家庭理财专业人士在 直接金融 帮助您找到最适合您需要的住房贷款类型. 我们的团队将与您协商，帮助您找到最合适的. 今天就正规的网博软件有哪些.
租金和. 买
第一个问题:买房对你来说是正确的举动吗? Home ownership is great for some people, while being a renter works perfectly for others.
T在这里 are many factors to consider when deciding if buying a home is right for you. 下面列出的是租房和买房的一些优点和缺点.
优势
租金
- 易于移动或重新安置的
- 减少维护财产的责任
- 较低的初始财政承诺
买
- 税收优惠
- 金融投资
- 稳定的月供
缺点
租金
- 无税收优惠
- 受业主限制
- 未知的未来住房支付
买
- 长期财务承诺
- 总体生活费用更高
- 移动或快速迁移的能力有限
见见你的直接金融抵押贷款团队
抵押贷款官
- 审查收入、信用、储蓄和贷款计划
- 发出预批准信
- 获取购买的副本 & 销售合同
- 订单评价
- 向承销提交贷款
抵押贷款的助理
- 让房地产经纪人® representing borrower updated on key dates regarding appraisal, loan 批准, and closing dates
抵押贷款的处理器
- 经批准后向借款人出具承诺书
- 为借款人安排法律工作
- 与借款人合作，以满足贷款审批条件
- 计划关闭
保险人
- 审查贷款文件
- 根据项目指导方针批准或拒绝贷款
房地产经纪人
- 获取市场信息
- 在价格范围内搜索房屋
- 协商购销合同
标题公司
- 帮助准备与贷款人的初始交易披露
- 执行40年的标题搜索
- 关闭贷款
通往新家的道路
准备借阅
Providing thorough documentation to your lender is helpful in making the loan process move quickly and smoothly to 批准. 我们会给你一份清单，这样你就能有一个好的开始.
走上正轨
在线申请开始. Then a 直接金融 mortgage loan officer will help you move through the process— from application, 批准, 处理, 关闭. 我们会全程为你带路!
您的信用报告 & 信用评分
我们可以帮助您了解您的信用报告和信用评分. Let’s review everything together and we’ll explain how your credit history influences your financing options.
固定费率vs. 可调利率
优势
固定
- 没有未来利率/付款增加的风险
- 更容易管理家庭预算
- 简单的贷款条款要懂
可调
- 较低的初始速率
- 对于希望在3-7年内搬家的买家来说，这是件好事
- 成交成本可能会更低
缺点
固定
- 可能的更高税率
- 更严格的承保要求
- 更高的成交成本
可调
- 付款可以随着时间的推移而增加
- 注意那些挑逗的节目
- 贷款参数可能难以理解(上限、利润率和指数)
如何决定
- 你打算买什么类型的房产?
- 你打算在养老院住多久?
- 未来的收入潜力和承受能力如何?
- 你目前的债务和信用状况如何?
- What amount of savings do you have available for a down payment and closing costs?
- 本地服务对你来说重要吗?
首付款及成交费用
首付款和成交费用的可接受来源
- 储蓄、支票、存单
- 出售股票和债券
- 退税
- 出售资产(汽车、船、摩托车)
- 从你的401K中借钱
- 亲戚送的礼物
买房的成本可能会让人难以承受. Minimum down payment requirements can range from 0–20% depending on credit score, 财产类型和贷款计划. Typically it is best to plan for a having a minimum 3–5% down payment plus closing costs before getting pre-approved.
*亲戚赠送的礼物有某些限制. 你的信贷员会和你分享细节.
争议及查询
The Consumer Finance Protection Bureau (“CFPB”) requires that loan servicers ad在这里 to an established process for addressing Notices of Errors from Members as well as Information Requests from members as they pertain to loans. In order to submit a formal Notice of Error or an Information Request please send a written request to the following address: New England Federal Credit Union, 营业员:贷款服务, 邮政信箱527号, 丰收巷141号, 威利斯顿, VT 05495
Please include in the written request a detailed explanation of the error or the information you are requesting. Be as specific as possible and provide any information that you believe may be helpful. Also note that correspondence written on a billing statement will not be considered a formal request.
NEFCU will respond to your written request within five (5) business days to acknowledge your request and if possible to satisfy it. If we are unable to resolve the notice of error or information request at that time, we will acknowledge that fact and shall respond to you within thirty (30) business days provided that you provide any additional information requested that may be necessary.