Likalimo tse ntle ka ho fetisisa tsa mekoloto haufi le nna
Hopola hore litefiso li fapane ho motho e mong le e mong ea alimang. Kahoo o tla tlameha ho bapisa ba alimang ba fapaneng ho fumana thekiso ea hau e ntle ka ho fetisisa. Sekhahla se setle ka ho fetesisa sa mortgage se kanna sa tsoa kapa sa se tsoe ho e 'ngoe ea likhamphani tse lethathamong lena.
Hopola hore litefiso li fapana ho tloha ho motho ea alimang ho ea ho ea alimang 'me sekhahla sa hau se tlase se ka tsoa kapa sa se tsoe ho motho ea alimang lethathamong lena. Ba alimang ba lokela ho bapisa litefiso tse tsoang ho bonyane ba alimang ba bararo kapa ba bahlano ho fumana sekhahla sa bona se setle ka ho fetisisa sa ntlo.
Leha ho le joalo, litefiso tsa nalane ea mekoloto e ka ba tataiso e sebetsang ho u thusa ho fumana libanka tse nang le litefiso tse tlase tsa mekoloto ea matlo. Manane a ka tlase ke sebaka se setle sa ho qala haeba o batla sekgahla se setle ka ho fetisisa sa tswala sa home loan ya hao e ntjha.
Mokoloto oa ntlo Kakaretso ea sekhahla sa lilemo tse 30 sa ntlo (2021)FREEDOM MORTGAGE CORPORATION2,66%BANK OF AMERICA2,80%VETERANS UNITED HOME LOANS*2,86%BETTER MORTGAGE CORPORATION2. 86%PENNYMAC2.87%AMERISAVE MORTGAGE CORPORATION2.90%NAVY FEDERAL CREDIT UNION*2.93%HOME POINT FINANCIAL CORPORATION2.94%LOANDEPOT.COM2.99%CALIBER HOME LOANS, INC.2 %99 MORTGET. INC.3.00%CITIZENS BANK3.01%CHASE BANK3.01%NEWREZ LLC3.02%PNC BANK3.06%LAKEVIEW LOAN SERVICING, LLC3.08%CHASETSO E NCHA EA AMERICAN3.08%GUILD MORTGAGE COMPANY3.08%CARDINAL%MPINANC3.09. MOVEMENT MORTGAGE, LLC3.10%MR. COOPER3.12%WELLS FARGO3.13%CROSSCOUNTRY MORTGAGE, INC.3.14%FAIRWAY INDEPENDENT MORTGAGE CORPORATION3.16%FLAGSTAR BANK, FSB3.18%VANDERBILT MORTGAGE LE FINANCE, INC.3.19%3.26%3.28%3.59%US BANKISTXNUMX.
Likalimo tse ntle ka ho fetisisa tsa mokoloto bakeng sa mokoloto o mobe
Litlhahiso tse ngata kapa tsohle tse fumanehang sebakeng sena sa marang-rang li tsoa ho lik'hamphani tseo Insiders li lefshoang ho tsona (bakeng sa lenane le felletseng, bona mona). Mehopolo ea papatso e ka ama hore na lihlahisoa li hlaha joang sebakeng sena sa marang-rang (ho kenyeletsoa, mohlala, tatellano eo li hlahang ka eona), empa ha se ame liqeto leha e le life tsa bohlophisi, tse kang hore na re ngola lihlahisoa life le hore na re li hlahloba joang. Personal Finance Insider e etsa lipatlisiso tse ngata tse fapaneng ha o etsa likhothaletso; leha ho le joalo, ha re tiise hore tlhahisoleseling e joalo e emetse lihlahisoa tsohle kapa litefiso tse fumanehang 'marakeng.
Personal Finance Insider e ngola ka lihlahisoa, maano le malebela a ho u thusa ho etsa liqeto tse bohlale ka chelete ea hau. Re ka fumana khomishene e nyane ho tsoa ho balekane ba rona, joalo ka American Express, empa litlaleho le likhothaletso tsa rona li lula li ikemetse ebile li ikemiselitse. Melao e sebetsa ho litlhahiso tse hlahang leqepheng lena. Bala litataiso tsa rona tsa bohlophisi.
*Bonyane lintlha tsa mekoloto ke tsa likalimo tse lumellanang le tsona, kapa likalimo tsa Navy Federal le Veterans United VA. Haeba u tšoaneleha bakeng sa mofuta o mong oa mokoloto, u ka khona ho fumana kalimo e nang le lintlha tse tlase. mefuta e fapaneng ea mekoloto ea matlo mme ba amohetse A+ ho tsoa ho Better Business Bureau, ntle le Navy Federal Credit Union, Chase, le Guild Mortgage. Navy Federal e na le lintlha tsa NR. Chase e na le B- mme Guild Mortgage e na le lintlha tsa A ho tsoa ho BBB. Bongata ba likhetho tsa rona tse holimo le tsona li ipabola khotsong ea bareki 'me li amohela mefuta e meng ea mekitlane haeba u se na eona.
Banka e ntle ka ho fetisisa ea ho fumana mokoloto
Re tšebeletso ea papiso e ikemetseng, e tšehetsoang ke lipapatso. Sepheo sa rona ke ho o thusa ho etsa liqeto tse bohlale ho feta tsa lichelete ka ho fana ka lisebelisoa tse sebetsanang le li-calculator tsa lichelete, ho hatisa litaba tsa mantlha le tsa sepheo, le ho u fa monyetla oa ho etsa lipatlisiso le ho bapisa lintlha mahala, e le hore u ka etsa liqeto tsa lichelete ka kholiseho.
Litlhahiso tse hlahang sebakeng sena sa marang-rang li tsoa ho lik'hamphani tse re lefang. Matšeliso ana a ka ama mokhoa le moo lihlahisoa li hlahang sebakeng sena sa marang-rang, ho kenyelletsa, mohlala, tatellano eo li ka hlahang ka eona ka har'a lihlopha tse thathamisitsoeng. Empa matšeliso ana ha a ame boitsebiso boo re bo phatlalatsang, kapa maikutlo ao u a bonang sebakeng sena sa marang-rang. Ha re kenyelletse bokahohle ba lik'hamphani kapa litefiso tsa lichelete tseo u ka bang le tsona.
Re tšebeletso ea papiso e ikemetseng, e tšehetsoang ke papatso. Sepheo sa rona ke ho o thusa ho etsa liqeto tse bohlale ho feta tsa lichelete ka ho fana ka lisebelisoa tse sebetsanang le li-calculator tsa lichelete, ho hatisa litaba tsa mantlha le tsa sepheo, le ho u fa monyetla oa ho etsa lipatlisiso le ho bapisa lintlha mahala, e le hore u ka etsa liqeto tsa lichelete ka kholiseho.
Likalimo tse ntle ka ho fetisisa tsa marang-rang tsa marang-rang
Coventry, Principality le Yorkshire Building Societies ke tse ling tsa likalimo tse holimo tsa mekoloto maemong a rona a ikemetseng. Tsamaisetsa tlase ho bapisa baalimi ba UK mme u bone lebaka.Ha u bapisa likalimo tsa ntlo, ha se litefello feela le sekgahla sa tsoala tseo u lokelang ho nahana ka tsona, hobane boleng ba litšebeletso tsa bareki le bona bo bohlokoa.
Khamphani e bile maemong a mararo a holimo litafoleng tsa mekoloto ea Fairer Finance ho tloha ha e theoa ka 2014 mme e na le lintlha tse phahameng ka ho fetesisa tsa ponaletso indastering. Sena se bolela hore ke eona e hlakileng ka ho fetesisa ho bareki ba eona mabapi le litšenyehelo tsohle tse amehang ho kontrakeng ea bona ea matlo.
Sechaba sena sa kaho se thehiloeng Cardiff ke karolo ea marang-rang a Wales, empa ha ua tlameha ho lula Wales ho rua molemo litšebeletsong tsa bona tse ntle tsa bareki. Joalo ka Coventry, e boetse e na le nalane e ntle ea likopo.
Moemeli le eena o tla khona ho khothaletsa motho ea alimang chelete eo mohlomong a ka amohelang kopo ea hau. Likopo tse hanoang li ka bitsa chelete e ngata haeba u lefile litefiso esale pele 'me u ka ba kotsing ea ho lahleheloa ke thepa eo u batlang ho e reka.
