谬论:租房比租房便宜. 拥有一个家

虽然刚开始的时候租房子似乎不太贵, 从长远来看，它的成本可能会高得多. 每月的租金可能少于1美元 每月的按揭付款, but it's important to remember that you are building equity in your home when paying a mortgage; it is an investment in your future. 租金也有潜力 每年上升, 而对于固定利率抵押贷款, your monthly principal and 感兴趣 payments will stay the same for the life of the loan. 此外，拥有一个房子可以包括 许多税收优惠.

谬论:收入、信用、债务和破产可能是分手的关键

• Income -虽然潜在借款人的收入很重要, 其他因素如信贷, debt, 金融历史可以影响购房者的购房价格 符合条件的借款. Simply earning a decent living is not enough to be approved for a loan. On the flip side, you can earn a modest income and still be approved, based on the outlying 因素.
• 信贷 - 信贷 history is a determining factor in your ability to be approved for a home loan, 此外，还将影响您提供的利率. 然而，你不需要完美的或甚至是良好的信用来买一套房子. There are many programs available to borrowers with lower credit scores.
• Debt - Most people have some kind of debt, from student loans and auto loans to credit card debt. 这是贷款人在做决定时首先考虑的事情之一 whether you can afford to buy a home is your debt-to-income (DTI) ratio. Your DTI ratio is a percentage calculation that represents the percent of your monthly income that goes toward 债务及经常性费用. The higher your DTI ratio, the riskier you are as a mortgage candidate. 然而, if you have a DTI ratio of less than 50%, you'll usually be able to get a 抵押贷款，即使你有债务.
• 破产 -取决于破产是根据破产法第7章还是第11章, there are a minimum number of years that must pass before you'll be able to secure mortgage 融资. 如果你有破产或判决, be sure to discuss the necessary steps to be able to secure 融资 in the future with an experienced mortgage consultant.

谬论:申请抵押贷款会损害你的信用

这是真的，每当你申请新的贷款或信用额度, 你的信用评分会受到一点影响. 然而，这种暂时的下降只会持续 很短的时间内. About 10% of your FICO® credit score comes from your recent credit inquiries. Therefore, when you apply for a mortgage loan, your score will temporarily drop, but you will likely not see this effect until after you receive your mortgage pre-approval. You can maximize your chances of getting mortgage approval by avoiding applying for new credit cards 或者你申请抵押贷款前几个月的贷款.

谬论:资格预审和批准预审是一样的

虽然它们听起来很相似，但它们并不相同. The main difference between a pre-qualification and pre-approval is the level of verification your lender requires before they provide you an estimate of how much you can afford to take out on a loan. With a pre-qualification, your lender only collects basic self-reported financial information, 而且不需要任何收入和债务证明. 与一个预先批准, 你已经提供了包括信用在内的财务信息, 就业, 和收入, 并经贷款人核实 这个信息. The officer then packages the loan and submits the file to an underwriter for review. A lender will then provide you with a letter stating you've been pre-approved for 一定数量. With that letter, you'll be in prime position to make an offer when you find your dream home. 但是，贷款会经过正式的审批，当你去 purchase a property to ensure there are no changes to your financial situation. Changing jobs or adding additional debt are just a couple of reasons why a mortgage can be denied, even 预先核准的后.

谬论:联邦住房管理局贷款只针对首次购房者

Federal Housing Administration (FHA) loans are government-backed and allow lenders to issue loans with lesser credit 和收入 requirements, 相比 传统的贷款. 虽然他们是一个很好的选择，首次购房者, 信用评分较低的购房者也可以使用, 提供低利率和小 首付选项.

谬论:最低的利率总是最好的

在购买住房贷款时，有很多因素要考虑. The 感兴趣 rate, the cost you pay to borrow money, is important because it will affect the 你每月还款额的大小. 它不, 然而, include any other fees you might be required to pay the lender for the loan, 比如发起费, 收的费用, 文档的费用, 及其他财务费用. 最低的利率并不总是对你最有利. 一定要阅读附属细则，检查所有费用. 这些费用因不同的抵押贷款机构而异 到另一个, so it’s important to talk to at least three lenders to ensure you’re getting the best deal.

传说:你必须付20%的定金

Many homebuyers are led to believe they must have 20 percent of the home's purchase price saved for a down payment. 而这样的首付可以帮助降低 你的月供，不是必须的. 你付的钱越多, the less you'll owe and the less strain you'll feel to cover your 每月的按揭付款s. 如果你负担不起 20%，有很多贷款项目接受更少. 然而, 准备支付私人按揭保险(PMI), 你每月的付款中要加多少钱来支付额外的风险 贷款人正在收取. 其他类型的贷款(如VA和USDA贷款)不需要PMI, 但可能需要你支付其他类型的保险或资金费用.

传说:你永远不可能提前还清贷款

Some lenders may include clauses called "prepayment penalties" inside the terms of your loan. 提前支付罚金是一种如果你支付罚金就会受到惩罚的协议 过早还清你的贷款. Lenders earn money on loans when you pay 感兴趣 on the principal you borrow. The longer you make payments on your loan, the more money your lender gets in 感兴趣. If you pay off your loan too soon, the lender earns less money than they expected. If your loan has a prepayment penalty, it might stipulate that you cannot pay off your loan 在你结案后的5年内. If you do pay your loan off before the date stipulated in the loan terms, your lender might require you to pay any 感兴趣 they would have earned 前期. This ensures that the lender earns back the money they expected when they issued your loan. 提前支付罚金比以前少多了. 许多银行提供贷款 完全没有预付罚金, but be sure to read the fine print or ask if you plan to pay off your mortgage early.

谬论:如果你的抵押贷款被拒绝了一次，你就永远不会被批准了

如果你被拒绝抵押贷款，不要恐慌. 还债, 按时支付账单, 提高信用评分可以帮助你从“不”变成“是” 下次你申请的时候. If at first you don't succeed, don’t give up… work hard and try, try again!