如何在美国用不良信誉买房

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如果想在美国买房，拥有良好的信誉会带给你很大帮助。因为良好的信誉使你拥有更多的贷款选项，而且有资格获得更低的利率和相对便宜的贷款。当然，拥有不良信誉也可购置房屋，你只需一点耐心和更多的钱。此外，你也可以选择寻找另外的贷款方式或者支付高额的次级贷款。

方法 1
方法 1 的 4:

充分利用政府机构

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    此贷款计划由住房部门和城市发展 (HUD)管理，信贷标准不会太过严苛。
    • 和FHA贷款人谈谈你的不良信用是否会影响你从联邦住房管理局贷款。只要你的收入满足其要求，你就可能有资格。
    • 和住房和城市发展部（HUD）的住房顾问一起找到愿意的放款人。拨打800-569-4287 或者访问hud.gov 作为参考。
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    • 和不同的放款人谈谈选项。虽然VA没有最低信用值去获得贷款的资格，申请VA贷款的放款人可能需要。
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    如果您是一名公务员 （如老师或警务人员） 或首次置业人士，你可能不需要信用就有资格获得州立和当地的购房计划。
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方法 2
方法 2 的 4:

无抵押贷款买房

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    这不需要贷款，按揭付款或信用标准。
    • 清算等退休账户、 共同基金和其他储蓄计划的投资。
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    许多雇主赞助计划允许你为自置居所而借钱。每个月你将为自己还款而不是按揭还贷。
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    当你有不良信用，并且不准备贷款时，你需要购买一栋可以负担的房子。
    • 在房子的装修上削减花销，并在你的信用额度增强后再选择贷款来改装你的房屋。
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    那些了解并相信你的人更可能向你伸出橄榄枝。
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方法 3
方法 3 的 4:

月供

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    举个例子，如果房子每月的租金通常是800元，你就支付1200元，房东便会把400元分摊到日后每月的房租里。
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    • 让律师审查你的合同以保全你的利益，并且在你有能力购买前卖家不能把房屋卖给任何人。
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    • 一旦你能获得按揭的批准就同意购买。
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方法 4
方法 4 的 4:

次贷

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    次贷放款人自 2008 年-2010 年的财政崩溃以来管理更严苛，但利率和费用仍高于传统的抵押贷款。
    • 核实你的收入并尽力支付头期款。你支付的头期款越多，之后每月按揭的贷款就会更合理。
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    除了您家庭的贷款，你也需要把税和房屋保险的因素计算在内。
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    你可以在线找到次级贷款人，或从事为拥有不良信誉的人贷款的按揭经纪人。
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小提示

  • 考虑等几年再购置房屋。如果你有不良信用，可以考虑租两三年的房屋并重新建立信用并为头期款储蓄。这期间你可以整理自己的资产并找到最好的贷款方案。
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