双语阅读:信用评分不足时如何获取抵押贷款?

2014-02-28 14:16:52 来源: 网易教育频道专稿 举报
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购房者不具有三个信用评分。尽管此时有些借贷者仍会操作,但这并不适用于2014年全部的抵押贷款。事实上,即便你不具有三个信用评分也可以获得抵押贷款,这篇文章会告诉大家用何种方式做到这点,和如何进行准备。

双语阅读:2014年美国购房市场的新法则

(双语阅读是网易中产频道推出的独家编译类栏目【点击阅读更多】本期文章原载于美国在线,原标题:Scoring a Mortgage Without 3 Credit Scores)

In order to get a mortgage these days, homebuyers are typically required to have three credit scores -- one scoring model calculated three times based on each of your credit reports at the three major credit bureaus.

现今想要获得抵押贷款,购房者一般被要求具有三个信用评分--同一个模型在三个主要的领域基于你的信用报告计算出的综合结果。

However, one problem that I see periodically when working with homebuyers is that they do not have three credit scores. While many lenders still operate under this requirement, it is not indicative of all 2014 mortgage lending. You actually can still get a mortgage if you don't have all three credit scores. Here's how, and what to be prepared for.

然而,我在与购房者合作的时候会周期性的碰到这样一个问题:购房者不具有三个信用评分。尽管此时有些借贷者仍会操作,但这并不适用于2014年全部的抵押贷款。事实上,即便你不具有三个信用评分也可以获得抵押贷款,这篇文章会告诉大家用何种方式做到这点,和如何进行准备。

Rating From Each Bureau: Lenders look to a homebuyer's credit for the likelihood of a delinquency.The higher the credit score, the less likelihood of default, which means a lower interest rate. Meanwhile, a lower credit score means a greater risk of default, and therefore carries a higher interest rate. Pretty self-explanatory, right?

借贷者需要你的信用评分是为了考察你做出不良行为的可能性。你的信用评分越高,违约的可能性越小,这也意味着你可以获得较低的利率。然而,一个较低的信用评分意味着较大的违约风险,当然您就得支付较高的利率。这番理论很容易自圆其说,是这样的吧?

The lending industry standard is to use a credit score model developed by FICO (though there are many different credit-scoring models out there). Your credit scores are informed by the information found on your credit reports. Your creditors -- such as your credit card company, auto lender, mortgage company, etc. -- report your payment behavior and other information to the major credit reporting agencies (Equifax, Experian and TransUnion), which is the basis for your credit report.

借贷行业的标准是用FICO信用模型(当然市场上也有其他不同的信用计算模型)计算出的分数衡量。你的分数是建立在你的信用报告基础上的 -- 来自于你的信用卡发行公司,汽车贷款商、抵押贷款公司,等等 -- 报告你的支付记录和其他信息给主要的信用报告机构(如Equifax,Experian和TransUnion),这就是你的信用报告的基础信息来源。

Many creditors report to all three major credit reporting agencies. However, there are some creditors who may report to only one or two. This is where homebuyers can run into a problem. When lenders ask you, "What's your credit score?" what they're really asking is, "Do you know your middle credit score?" (If you don't know it, don't worry. The lender will obtain it with your initial qualification.)

这些信用记录者都会报告给上述三家主要的信用报告评估机构。然而,一些记录者却可能只报告给了其中的一到两家。这就可能导致购房者遭遇麻烦。当借贷者问你“你的信用评分是什么?”的时候,他们真正想问的是:“你三个信用评分中居中的那个是多少?”(如果你不知道的话也不用担心,借贷商会以你最初取得的资格为标准进行衡量)。

Each credit reporting agency provides the mortgage lender a credit score. Among them, there will be a high score, middle score and a low score. The middle credit score is what mortgage lenders use to qualify a potential borrower.  So if you don't have three credit scores, what do you do?

每个评分机构都会给抵押贷款商提供一个你的信用评分。在其中,有一个最高分,一个最低分和一个在中间的分数。抵押贷款商就是用中间的那个分数来衡量潜在贷款人的。如果你没有三个信用分数,你该怎么办呢?

If You Don't Have All Three Credit Scores: In short, if you don't have all three credit scores, be ready to explain the how, what, when, where and why. Your lender is going to want to understand why you don't have three credit scores, but the fact remains if you don't have three scores, that alone will not necessarily deny your ability to get a mortgage.

短期内,如果你不具备三个信用评分,要围绕五个词进行解释“如何、为何、何时、何地以及什么原因。”你的借贷商需要全面理解为什么你不具备三个信用评分。不具备三个信用评分并不必然直接导致你丧失借贷资格。

Lenders have standard lending guidelines set forth by Fannie Mae and Freddie Mac, and individual company guidelines, which are their interpretation of those basic guidelines.

借贷商都有由房利美和房地美设定的标准的借贷指南,当然也有本公司的指导准则,这是他们理解这些借贷标准的基础。

Depending on the nature of the mortgage company you're working with for your loan, they might be required to have three credit scores because of their investor overlays -- meaning if they have a certain credit threshold, they must abide above and beyond the normal guidelines. In such a circumstance, three credit scores could be required by that particular mortgage company.

小笨虎 本文来源:网易教育频道专稿 责任编辑:王晓易_NE0011
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