Simple Step for owning a home
- GUIA DESIGN OFFICE
- 2 日前
- 読了時間: 2分
1st, Please check this video
This is easy-understanding video
Before Buying a House,
Get Home Loan Pre-Approval First
When you want to buy a house, the first step is not looking at houses.
The first step is home loan pre-approval
A home loan is harder than a car loan or a credit card loan. The amount is much bigger, and the repayment period is much longer.
That is why the bank checks very carefully.
So, not everyone gets approved for a home loan. This means that even if you want to buy a house, you cannot move forward unless the bank says yes.
A home loan usually has 2 screening steps
The first step is pre (1st)-screening.
At this step, the bank checks present and past your loan payment history through your credit record. And then, the bank checks whether you may qualify for a home loan.
Pre-screening is just " whether you may qualify for a home loan"
If you will approve it, the second step is final (2nd) screening.
At this stage, the bank will check how much you might be able to borrow, based on your exact annual income, employment status, existing loans, and payment history.
It is more detailed than pre-approval.
Even if you pass pre-approval, you may still be declined at the final stage.
That is why pre-approval is very important.
If you look at houses before getting pre-approval,
・You do not know your real budget.
・You may look at houses you cannot afford.
・Even if you find a house you like, you may not be able to buy it.
This can waste your time and energy.
The shortcut
The shortcut to buying your own home is not looking at houses first.
The shortcut is getting home loan pre-approval first.
For that, the most important to have your own home is challenge
Challenge
If you want to have your own house, it simply a matter of whether you want to try or not.
Now, you don't have to worry about various things. You just try pre-screening
If you want to check before you try, please check this
We will advice according to your situation
If you have any questions, please ask
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Emai address consult@guiadesign.com
This site www.guiadesign.com/dream
Please feel free to contact us.
🇯🇵 A national qualified expert try to give you
advice that suits your current situation.
GUIA DESIGN OFFICE
Ibaraki Association of Architectural Firms
B5464 0309
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