贷款利率低,入市好时机。
需要多少首付?
利率会影响您的购买力和您能负担得起的房屋的价格。现在,美国仍处于利率历史低位。† 这意味着如果您正在考虑拥有房屋,那么现在是采取行动的好时候。抵押贷款利率下降了,这意味着您在预算范围内可以负担得起的房屋价格可能会上涨。但是你仍会想要迅速采取行动,因为即使是 1% 的利率增长也会极大地影响你的购买力,这会让你错过梦想中的房子,从而导致更高的月供。
三个因素——债务、信用评分和首付。
债务:贷方将查看您的债务收入比 (DTI),该比率衡量您的债务与每月总收入之比。 DTI 以百分比表示,通常情况下,36% 或更低的比率是首选,尽管某些贷款选项确实接受更高的 DTI 比率,但它们会带来更高的利率。因此,在完成申请之前,尽量消除尽可能多的债务。
信用评分:您的三位数信用评分可帮助贷方评估您的贷款违约风险是否很高。您可以每年在AnnualCreditReport.com 上免费获得一份信用报告。获得报告后,您可以与贷方合作,确定信用记录的负面部分,并解决可能有助于提高信用评分的问题。
一旦您对您负担得起的房屋价格进行了估算,您就可以着手在莱纳官网开始搜索了。Lennar 让您可以轻松找到心仪的住宅。无论您是在寻找联排别墅还是独户住宅,我们都能满足您的需求。想了解更多新房信息请登录https://www.lennar.com/查看更多。
文来源:部分文章图片为网友推荐、互联网整理而来,仅供学习参考,如有侵犯您的版权,请及时联系我们删除。
本文来源:https://resourcecenter.lennar.com/tennessee-nashville/important-questions-to-ask-your-mortgage-lender/
如果您想了解更多我们提供的购房机会和房产信息,请填写下表。莱纳的服务代表将会及时与您联系,感谢您的关注
莱纳中国网站旨在为中国客户带来美国开发商莱纳公司(LENNAR)开发的的美国房产新房楼盘。本网站由莱纳公司(LENNAR)委托威翰罗森投资咨询(上海)有限公司代为运营管理。
若您有任何需要或问题,欢迎您通过以下方式与我们及时取得联系。
4009207689
700 NW 107th Ave, Floor 3 Miami, FL 33172
上海市浦东新区福山路458号同盛大厦2101室
Lennar is the leading builder of quality new homes in the most desirable real estate markets across the nation. Our home plans demonstrate our commitment to our customers by showcasing outstanding new home construction and a dedication to excellence in homebuilding. Every new home for sale offers the simplicity of included options featured in our model homes and inventory homes. The prices of our homes, included features and available locations are subject to change without notice. Stated dimensions and square footage are approximate and should not be used a representation of the home's precise or actual size. Please see the actual purchase agreement for additional information, disclosures and disclaimers relating to the home and its features.
Where available elements of the Nexia Home Intelligence System may vary per plan and community and program selected by buyer and are subject to changes or substitution without notice. Remote access requires internet access and there is a monthly fee for remote access capabilities. For additional legal disclaimers please click here. Copyright © 2015 Lennar Corporation. Lennar, the Lennar logo, and Everything's Included are registered service marks or service marks of Lennar Corporation and/or its subsidiaries. 8/15
沪ICP备09064529号-5 | 沪ICP备09064529号-6 公安部备案号:31011502011752