Serious About Home Buying? Get Pre-Approved

20160609-PreApproved-STM

In many markets across the country, the amount of buyers searching for their dream home greatly outnumbers the amount of homes for sale. This has led to a competitive marketplace where buyers often need to stand out. One way to show you are serious about buying your dream home is to get pre-qualified or pre-approved for a mortgage before starting your search.

目前在全國各地的許多市場,想要購買房子的買家數量遠超過出售房屋的數量,導致形成了一個競爭非常激烈的房地產市場,買家通常需要更突出的表現才買得到房子。在開始找房子之前先獲取房貸預先審核和批准,決定是證明您是個真正認真想要購屋買家的好方法。

But even if you are in a market that is not as competitive, knowing your budget will give you the confidence to know if your dream home is within your reach.

即使您所在地的房地產市場不太需要競爭,事先知道您的購屋預算,可幫助您有信心的買到理想的房屋。

Freddie Mac lays out the advantages of pre-approval in the My Home section of their website:
房地美貸款公司在他們的網站上列出獲取房貸預先核准的優點:

“It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets.”

“我們強烈建議您在找房子前先與房貸公司拿到房貸預先核准,預先核准可讓您非常有信心並清楚的知道可以負擔得起多少錢的房子,並可以幫助您在這個競爭激烈的市場中更快速的買到房子。

One of the many advantages of working with a local real estate professional is that many have relationships with lenders who will be able to help you with this process. Once you have selected a lender, you will need to fill out their loan application and provide them with important information regarding “your credit, debt, work history, down payment and residential history.”

雇用專業房地產仲介經紀人幫助您購屋的其中一個優點為,房仲通常都有合作過的房貸公司可幫助您取得貸款,當您決定使用哪家銀行或是公司的貸款後,您將需要填寫房貸申請表格,並提供財務資料,例如信用分數,債務,工作資歷,頭期款,居住歷史等。

Freddie Mac describes the 4 Cs that help determine the amount you will be qualified to borrow:
房地美貸款公司介紹了可以幫助決定您可以拿到多少貸款的4個C:

  1. Capacity: Your current and future ability to make your payments
    能力:你現在和將來能支付貸款的能力
  2. Capital or cash reserves: The money, savings and investments you have that can be sold quickly for cash
    資本或現金儲備:手上的現金,儲蓄和可以立即轉賣換取現金的投資
  3. Collateral: The home, or type of home, that you would like to purchase
    抵押:您想購買房屋或房屋類型
  4. Credit:Your history of paying bills and other debts on time
    信用:您準時付賬單和其他債務的歷史

Getting pre-approved is one of many steps that will show home sellers that you are serious about buying and it often helps speed up the process once your offer has been accepted.

獲得房貸預先核准是讓賣家知道您是認真想要買屋的眾多步驟之一,在您的offer被接受後,也可幫助購屋程序更快速順利。

Bottom Line
結論

Many potential home buyers overestimate the down payment and credit scores needed to qualify for a mortgage today. If you are ready and willing to buy, you may be pleasantly surprised at your ability to do so as well.

許多想要購屋的買家都高估了獲取房貸所需要的頭期款和信用分數,如果您有想要買屋的意願,可能會對您早已能夠成功購屋的能力有意外的驚喜喔!

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s