11/28/2023

Ho qala leeto la ho ba le ntlo ho hlahisa potso ea bohlokoa: U hloka lintlha life tsa mokitlane ho reka ntlo?Ho tsamaisana le mathata a lintlha tsa mokoloto molemong oa ho reka ntlo ke ntho ea bohlokoahali.Tataiso ena e felletseng e ikemiselitse ho manolla lintho tse rarahaneng, ho fana ka lintlha tsa bohlokoa le malebela a ka u thusang ho hahamalla lipakane tsa beng ba ntlo.

Ho hlakisa Boleng ba Lintlha tsa Mokitlane

Lintlha tsa Motheo tsa Sekoloto:

Ntlha ea mantlha, lintlha tsa mokoloto li sebetsa e le sesupo sa linomoro tsa ho tšoaneleha ha motho, tse kenyelletsang nalane ea bona ea mokoloto le boitšoaro ba lichelete.United States, lintlha tsa FICO, ho tloha ho 300 ho isa ho 850, li eme e le mohlala o ka sehloohong oa lintlha.

Kameho ho Theko ea Lehae:

Bohlokoa ba lintlha tsa hau tsa mokoloto bo bonahala haholo ts'ebetsong ea tumello ea mokoloto.Ba alimang ba sebelisa lintlha tsena ho lekola kotsi e amanang le ho alima chelete ho uena.Lintlha tse phahameng tsa mokoloto hangata li fetolela lipehelo tse ntle tsa mortgage, tse susumetsang litefiso tsa tsoala le likhetho tsa likalimo.

Ho haola le Score Score Spectrum

E ntle haholo (800-850):

Batho ba nang le mekitlane e metle ba thabela mekoloto e metle le phaello ea phaello.Nalane ea bona ea mokoloto e tšoauoa ka nako e telele, ho se phethahale, le maemo a fokolang a litefo tsa morao-rao kapa tšebeliso ea mokoloto.

E ntle haholo (740-799):

Ba leng boemong bo botle haholo ba mekitlane ba ntse ba thabela maemo a molemo, ba tšoanelehang bakeng sa lipehelo tse ntle tsa ntlo le phaello ea phaello ea phaello.

Molemo (670-739):

Lintlha tse ntle tsa mokoloto li bolela nalane e matla ea mokoloto, e lumellang ba alimang ho boloka sekoloto sa ntlo.Leha ho le joalo, mantsoe a ka 'na a se be a matle joaloka a nang le lintlha tse phahameng.

Ho lokile (580-669):

Boemong bo nepahetseng ba mekoloto, ba alimang ba ka tobana le mathata a mang a mekoloto.Le hoja ho fumana sekoloto sa ntlo ho ka khoneha, lipehelo li ka 'na tsa se ke tsa e-ba molemo, ka phaello e phahameng.

Mafutsana (300-579):

Batho ba nang le mekoloto e fokolang ba kopana le litšitiso tse kholo ho fumana sekoloto sa ntlo.Ba alimang ba ka 'na ba ba nka e le ba alimang ba kotsing e khōlō, ba etsa hore ho be thata ho bua mantsoe a molemo.

Bonyane Chelete ea Mokoloto bakeng sa Mefuta e fapaneng ea Likoloto

Likalimo tse Tloaelehileng:

Bakeng sa likalimo tse tloaelehileng, bonyane lintlha tsa mokoloto tsa 620 lia hlokahala.Leha ho le joalo, ho batla ho fumana lintlha tse 740 kapa ho feta ho bohlokoa bakeng sa mantsoe a molemo haholoanyane.

Likoloto tsa FHA:

Likalimo tsa FHA li bonts'a bonolo haholoanyane, ho lumella ba alimang ba nang le lintlha tse tlase ho 500 hore ba tšoanelehe.Leha ho le joalo, lintlha tsa 580 kapa ho feta li ka khethoa bakeng sa tefo e tlase.

Likoloto tsa VA:

Likalimo tsa VA, tse etselitsoeng bahlabani le litho tse mafolofolo tsa sesole, hangata li na le litlhoko tse feto-fetohang tsa mokoloto.Leha ho se na bonyane ba molao, lintlha tse kaholimo ho 620 lia khothaletsoa.

Likoloto tsa USDA:

Likalimo tsa USDA, tse etselitsoeng batho ba amohelang moputso o tlase ho isa ho o itekanetseng libakeng tsa mahaeng, hangata li hloka lintlha tsa mokoloto tsa 640 kapa ho feta.

Ho Phahamisa Sekoloto sa Hau bakeng sa Theko ea Lehae

1. Sheba Tlaleho ea Mokitlane oa Hao:

• Kamehla hlahloba tlaleho ea mokitlane oa hau bakeng sa liphoso.
• Hang-hang hanyetsa liphoso leha e le life ho netefatsa hore ho na le boemeli ba 'nete ba histori ea mokitlane oa hau.

2. Litefo ka Nako:

• Itloaetse ho lefa likoloto tsohle ka nako ho theha nalane e ntle ea ho lefa.
• Nahana ka ho etsa litefo tsa othomathike ho fokotsa kotsi ea matsatsi a fetileng.

3. Fokotsa Sekoloto se Lebeletsoeng:

• Leka ho fokotsa litekanyo tsa karete ea ho reka ka mokitlane le sekoloto ka kakaretso.
• Boloka tšebeliso ea mokoloto ka tlase ho 30% ea moeli oa hau oa mokoloto.

4. Qoba ho Bula Mehala e Mecha ea Likoloto:

• Ho bula liakhaonto tse ncha tsa mokoloto ho ka fokotsa lintlha tsa hau tsa mokoloto nakoana.
• Fokotsa lipotso tse ncha tsa mokitlane, haholo-holo ha u le haufi le mokhoa oa ho reka ntlo.

5. Kopana le Moeletsi oa Mokitlane:

• Haeba ho hlokahala, batla tataiso ho moeletsi oa mekitlane ho etsa moralo o hlophisitsoeng oa ntlafatso.

Qetello

Qetellong, lintlha tsa mokitlane tse hlokahalang ho reka ntlo li itšetlehile ka lintlha tse fapaneng, ho kenyeletsa le mofuta oa kalimo le litekanyetso tse khethehileng tsa moalimi.Le ha mananeo a mang a likalimo a amohela lintlha tse tlase tsa mokoloto, ho labalabela ho fumana lintlha tse holimo ho holisa bokhoni ba hau ba ho boloka maemo a matle a mokitlane oa ntlo.Ho beha mokoloto oa hau leihlo khafetsa, ho rarolla liphapang hang-hang, le ho ba le mekhoa e metle ea lichelete ke mehato ea bohlokoa ea ho fihlela sepheo sa hau sa mokoloto, ka hona, ho phethahatsa toro ea hau ea ho ba le ntlo.

Polelo: Sehlooho sena se hlophisitsoe ke AAA LENDINGS;tse ling tsa litšoantšo li nkiloe Marang-rang, boemo ba sebaka sa marang-rang ha bo emeloe 'me bo ke ke ba hatisoa hape ntle le tumello.Ho na le likotsi 'marakeng mme matsete a lokela ho ba hlokolosi.Sengoliloeng sena ha se bokelle boeletsi ba matsete a motho ka mong, ebile ha se nahane ka sepheo se ikhethileng sa matsete, boemo ba lichelete kapa litlhoko tsa basebelisi ka bomong.Basebelisi ba lokela ho nahana hore na maikutlo afe kapa afe, maikutlo kapa liqeto tse fanoeng mona li loketse maemo a bona.Tsetela ka nepo ka ho ipeha kotsing.