降低每月抵押贷款额的方法

If you have a 3d之家首页 your monthly 3d之家首页 payment likely has priority over everything else; if not, getting that 3d之家首页 and securing a low rate will be your main focus. It’s imperative, therefore, that you do everything you can to lower your 3d之家首页 payment. 

从今天开始降低债务。

致电800-449-0273。

Not only will this make it easier to pay your bills every month, leaving more money for other bills and debts, as well as your savings and investments, but a low payment will make it easier to get a 3d之家首页 in the first place. 

抵押 lenders always take your debt-to-income ratio into account, which looks at your monthly outgoings and compares them to your income. If your agreed-upon 3d之家首页 payment is too high, your debt-to-income ratio will be too high, and your application may be refused.

考虑到这一点,让’看了一些减少房主或购房者每月抵押付款的方法。

1。

你可能已经 了解再融资 并已经跳过了这一部分,只需要一两眼。但是,必须提及它,因为它’是减少每月抵押付款的最简单方法之一。

Refinancing replaces your current 3d之家首页 with a new one, swapping an adjustable-rate 3d之家首页 rate for a fixed-rate 3d之家首页, changing the term, lowering the interest rate, and generally making it more suitable to your current needs.

It’值得注意的是,抵押贷款会重新开始摊销过程,并且可能会延迟清算余额的时间。您还将被要求 支付交易费用 和其他费用,就像您申请当前抵押贷款时一样。

此外,如果您延长任期,则可以减少抵押贷款的支付,但也可以降低支付本金的速度,从而减慢您的股权购买速度。 

For example, if you have a 4% 30-year 3d之家首页 of $200,000, you’ll pay $954.83 a month before accounting for taxes and insurance premiums. In your first month, just 30% of your 3d之家首页 payment will go towards the principal and this will increase steadily until you reach the 12.5-year point, when your principal payments will outweigh your interest payments.

有了40年的抵押期限,您’会支付$ 835.88,但其中只有20%是本金,您赢了’t reach that “halfway”点超过22.5年。 

2.政府清算计划

You can get a lower rate if you use a government refinance program, including Streamline Refinance programs from FHA, VA, and USDA. In addition to reducing your interest rate and monthly payment, you may also be offered 房屋净值贷款 和现金提款。

3.增加您的预付款

Another“obvious”inclusion worthy of an eye-roll, but one that still needs to be said. Home buyers want to buy their homes quickly and with as little down payment as possible. They don’t have the time or desire to save more money and often underestimate just how important it is. However, as soon as they purchase their home and start making repayments, the truth sinks in, which is why the biggest homeowner regret is not increasing the down payment.

较高的首付有两个作用。首先,它减少了您需要借入的金额,从而减少了您每月以及在此期间支付的总利息。 

如果您以20%的首付款购买了200,000美元的房屋,’将有$ 194,000的抵押贷款。在30年内,如果利率为4%’每月支付926.19美元;总利息为139,425,48美元,总计为333,425.48美元。

如果您先付20%,’将使每月还款额降至763,86美元,并在贷款有效期内支付总利息114,992.54美元或274,992.54美元。

In other words, $34,000 extra paid at the commencement of the loan is saving you $58,432,94 during its term and reducing your monthly payment by $162.33. And that’s not all. A bigger down payment increases your options and will likely lead to a lower interest rate. It also means you don’t have to pay Private 抵押 Insurance (PMI) which could cost you $100 per month until you buy 20% equity in your home.

All things considered, it could save you $80,000 to $90,000 and will ensure you have more equity right off the bat, which, in turn, will give you more options if you ever decide to refinance or acquire a home equity loan.

4.增加您的信用分数

Your credit score is an important part of the homebuying process and can help you to secure a better, bigger, and more favorable loan. Improving your credit score can also help you when it comes to refinancing and plays an important role in all other aspects of your finances.

您可以采取以下几项措施来快速提高信用评分,而无需付出很多努力:

  • 信用使用率: 增加信用卡信用额度并偿还信用卡债务以提高信用利用率,这占您分数的30%。
  • 避免新应用:所有新申请都可能导致艰苦的询问,这可能会使您的FICO得分降低5分。
  • 唐’t Open New Accounts: 新帐户最多可影响您的信用分数的25%,通过添加新帐户并降低平均年龄来降低您的分数。
  • 偿还债务: 您所欠的债务越少,您的信用评分就越高。当您可以在任何贷款余额或信用卡余额上进行额外付款时。

5.贷款修改程序

Loan modification programs can help individuals struggling with financial hardship. To apply, you need to be current with your payments or no more than two months behind. These programs can help you to secure a lower rate and a lower payment.

6.检查您的税单

财产税可能占您房屋总价值的1%以上,如果您的地方当局错误地计算了价值,那么您’付出比您更多的报酬。

进行税务评估并仔细检查以确保他们正确记录了所有内容,包括房间数和平方英尺数。如果他们有任何错误,可以与他们联系并请求更改。

7.比较保险单

首页owner’s insurance is essential to protect your new home and your belongings, but you don’t have to accept the first quote that you receive. Shop around and look for multi-policy discounts, as many insurers offer big savings when you purchase multiple policies, including car insurance and life insurance.

8.租一个房间

It has never been easier to rent out a room in your house or to rent out the entire building when you’re going away. Roommate.com, Craigslist, and Airbnb can help you to find some temporary roommates, but make sure you check your 3d之家首页 contract first as primary residences are subject to rules concerning additional occupants and holiday rentals.