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@@ -1,1605 +0,0 @@ - - - - - - - Beware of new CFPB imposter scams | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

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Beware of new CFPB imposter scams

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This week, we confirmed that scammers are using CFPB employees’ names to try to defraud members of the public. We’ve heard from people, specifically older adults, who received phone or video calls.

We can’t say it enough – the CFPB will NEVER contact you and ask you for sensitive information or to pay money. This includes never asking you to pay an upfront fee or taxes, or telling you that you’ve won a lottery, sweepstakes, or class-action lawsuit. We also won’t ask you for personal or sensitive information before you can cash a check we’ve issued.

The latest phone and video scams may include:

  • A phone or video call or an email from an imposter claiming to be a CFPB or other U.S. government official
  • Messages or calls notifying you of an opportunity to participate in a class-action lawsuit, or that you’ve won a lawsuit or owe money you didn’t expect.
  • Being told you must first pay taxes or another upfront fee to collect the money. They may continue to find “reasons” for you to pay more fees or taxes. It is all part of the scam.

If you’re contacted by someone from the CFPB and want to confirm whether it’s real or a scam, call our consumer call center at (855) 411-2372 between 8 a.m. and 8 p.m. ET, Monday through Friday.

Also, if you’re expecting to receive a payment as a result of a CFPB enforcement action, you can learn more about the status of the payments by case and who to contact if you have questions.

Signs of an imposter scam

Scammers could reach out to you by phone, mail, email, text message/SMS, social media, messaging apps, or through other online channels. Scams can also occur in person, at home, or at a business.

Here are some common signs of a scam:

  • You’re told you’ve won a sweepstakes or lottery you didn’t enter, or that you’re owed money from a class-action lawsuit.
  • You’re asked to pay upfront taxes or fees – either foreign or domestic.
  • You’re being pressured to act now. Scammers don’t want you to take the time to do research or to think too carefully before parting with your money.
  • A person claiming to be a government official contacts you to confirm your windfall. The emails sent may even appear to be from real government email addresses, but if you look further, the email is not from a “.gov” email.

Learn about common types of scams

Learn how to protect yourself

Criminals and scam artists may try different tactics or ways of reaching you, but here are tips for how to protect yourself or your loved ones from scams:

  • Don’t share sensitive information – Avoid sharing Social Security numbers, account information, or credit card numbers with people you don’t know.
  • Never pay upfront for a promised prize – If you’re told you must pay fees or taxes to receive a prize, it’s a scam.
  • If it sounds too good to be true, it probably is – If someone is trying too hard or pressuring you, you can always walk away.

Learn more about how to keep yourself and your loved ones safe

Suspect a scam? Report it!

Report consumer scams to the Federal Trade Commission

Learn more about fraud and scams

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- - - \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/credit-card-interest-rate-margins-at-all-time-high/index.html b/www.consumerfinance.gov/about-us/blog/credit-card-interest-rate-margins-at-all-time-high/index.html deleted file mode 100644 index 820452cb16b..00000000000 --- a/www.consumerfinance.gov/about-us/blog/credit-card-interest-rate-margins-at-all-time-high/index.html +++ /dev/null @@ -1,1607 +0,0 @@ - - - - - - - Credit card interest rate margins at all-time high | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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Credit card interest rate margins at all-time high

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- By - Dan Martinez - and - Margaret Seikel - - – - - - -
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By some measures, credit cards have never been this expensive. For cardholders who carry a balance without paying it off in full each month, issuers generally charge interest based on annual percentage rates (APRs). In 2022 alone, major credit card companies charged over $105 billion in interest, the primary cost of credit cards to consumers. While the effects of increases to the target federal funds rate have received considerable attention, the average APR margin (the difference between the average APR and the prime rate) has reached an all-time high.

In this analysis, we show that higher APR margin drove about half of the increase in credit card rates over the last decade. In 2023, excess APR margin may have cost the average cardholder over $250. Major credit card companies earned an estimated $25 billion in additional interest revenue by raising APR margin. Increases to the average APR margin - despite lower charge-off rates and a relatively stable share of subprime borrowers - have fueled issuers’ profitability for the past decade. Higher APR margins have allowed credit card companies to generate returns that are significantly higher than other bank activities.

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Credit card average APR margin is the highest on record.

Over the last 10 years, average APR on credit cards assessed interest have almost doubled from 12.9 percent in late 2013 to 22.8 percent in 2023 — the highest level recorded since the Federal Reserve began collecting this data in 1994. The APR on most credit card accounts can be viewed as being composed of the prime rate and the APR margin. The prime rate (a benchmark most banks use to set rates) represents a good proxy for banks’ funding costs, which have increased in recent years. But credit card issuers have also sharply increased average APRs beyond changes in the prime rate.

Nearly half of the increase in average APR over the last 10 years has been driven by issuers raising their APR margin. APR margin for revolving accounts is now at 14.3 percent, the highest point in recent history. More than half of issuers sent offers by direct mail with a higher APR margin in the third quarter of 2023 than on the same product the year before, according to our analysis of Competiscan data.

Figure 1: Average APRs on Accounts Assessed Interest and Average Prime Rate at Year End

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- Figure 1 is a bar graph that shows the average APRs at year end from 2013 to 2023. Each year has the average APR broken down by the prime rate and APR margin. Generally, from 2013 to 2023 the APR margin has increased from 9.6 percent to 14.3 percent. -
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Source: Federal Reserve

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Higher APR margin has fueled the profitability of revolving balances.

Typically, card issuers set an APR margin to generate a profit that is at least commensurate with the risk of lending money to consumers. In the eight years after the Great Recession, the average APR margin stayed around 10 percent, as issuers adapted to reforms in the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) that restricted harmful back-end and hidden pricing practices. But issuers began to gradually increase APR margin in 2016. The trend accelerated in 2018, and it continued through the pandemic.

Over the past decade, card issuers increased APR margin despite lower charge-off rates and a relatively stable share of cardholders with subprime credit scores. The average APR margin increased 4.3 percentage points from 2013 to 2023 (while the prime rate was nearly 5 percentage points higher). As such, the profitability of revolving balances excluding loan loss provisions (the money that banks set aside for expected charge-offs) has been increasing over this time period.

Figure 2: Average APR Margin and Charge-Off Rate (Federal Reserve)

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Source: Federal Reserve

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Excess APR margin costs consumers billions of dollars a year.

In 2023, major credit card issuers, with around $590 billion in revolving balances, charged an estimated $25 billion in additional interest fees by raising the average APR margin by 4.3 percentage points over the last ten years. For an average consumer with a $5,300 balance across credit cards, the excess APR margin cost them over $250 in 2023. Since finance charges are typically part of the minimum amount due, this additional interest burden may push consumers into persistent debt, accruing more in interest and fees than they pay towards the principal each year — or even delinquency.

The increase in APR margin has occurred across all credit tiers. Even consumers with the highest credit scores are incurring higher costs. The average APR margin for accounts with credit scores at 800 or above grew 1.6 percentage points from 2015 to 2022 without a corresponding increase in late payments.

Credit card interest rates are a core driver of profits.

Credit card issuers are reliant on revenue from interest charged to borrowers who revolve on their balances to drive overall profits, as reflected in increasing APR margins. The return on assets on general purpose cards, one measure of profitability, was higher in 2022 (at 5.9 percent) than in 2019 (at 4.5 percent), and far greater than the returns banks received on other lines of business. Even when excluding the impact of loan loss provisions, the profitability of credit cards has been increasing.

CFPB research has found high levels of concentration in the consumer credit card market and evidence of practices that inhibit consumers’ ability to find alternatives to expensive credit card products. These practices may help explain why credit card issuers have been able to prop up high interest rates to fuel profits. Our recent research has shown that while the top credit card companies dominate the market, smaller issuers many times offer credit cards with significantly lower APRs. The CFPB will continue to take steps to ensure that the consumer credit card market is fair, competitive, and transparent and to help consumers avoid debt spirals that can be difficult to escape.

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- - - \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/credit-disputes-getting-a-clear-statement-of-results-from-your-furnisher/index.html b/www.consumerfinance.gov/about-us/blog/credit-disputes-getting-a-clear-statement-of-results-from-your-furnisher/index.html deleted file mode 100644 index 3aac3ad72ee..00000000000 --- a/www.consumerfinance.gov/about-us/blog/credit-disputes-getting-a-clear-statement-of-results-from-your-furnisher/index.html +++ /dev/null @@ -1,1651 +0,0 @@ - - - - - - - Credit disputes: getting a clear statement of results from your furnisher | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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Credit disputes: getting a clear statement of results from your furnisher

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If you’re trying to correct inaccurate or incomplete information on your credit report, the process can feel overwhelming. The communications you receive from the companies involved can be confusing, and the CFPB has found some companies have not handled consumer disputes in compliance with the law.

The Fair Credit Reporting Act tells companies how credit reporting disputes should be handled. Some of the requirements apply to furnishers. Furnishers are the companies like banks, mortgage lenders, and credit card issuers that provide information that is included in credit reports.

According to federal law, if a consumer disputes directly with the furnisher the accuracy of information that’s been furnished to credit reporting companies, the furnisher is required to conduct a reasonable investigation about the dispute. After completing this reasonable investigation, the furnisher is required to “report the results of the investigation to the consumer” generally within 30 days.

We recently reported that CFPB examiners had found credit card furnishers were sending unclear notices to consumers at the end of dispute investigations. In some cases, these notices did not tell the consumer the result of the dispute investigation. Some of these notices didn’t even say whether the furnisher was going to correct the disputed information with the credit reporting companies. As a result, consumers were left in the dark about whether their problem was resolved.

After we conducted examinations of certain credit card furnishers and identified these problems, the credit card furnishers we examined revised their notices. The revised notices are more specific and clearly communicate whether changes were made to the consumer’s disputed account as a result of the dispute investigation.

If you have submitted a dispute directly to a furnisher, the response you receive should include the following information:

  1. Identification of the account that you disputed;
  2. A statement that the dispute has been investigated;
  3. A statement that the dispute investigation has been completed; and
  4. An explanation of the results of that dispute investigation.
    • If the furnisher’s investigation found that the information you disputed is accurate, the notice should clearly say this.
    • If the furnisher’s investigation found that the information you disputed is inaccurate or cannot be verified, the notice should say so and also state what corrections the furnisher is providing to credit reporting companies to fix the inaccuracy.

If you get a notice from a furnisher that doesn’t meet these minimum requirements, or if you remain confused about what the furnisher is going to do about your account, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

And if you haven’t already, you should submit a dispute about the account to the credit reporting companies as well. You have certain additional rights that only apply when you submit your dispute to a credit reporting company. You can get more information about how to submit a dispute generally on the CFPB website. We provide detailed instructions, addresses, and phone numbers for submitting disputes. Elsewhere on our website, we have provided some suggestions for what to do if your credit dispute is ignored or if you disagree with the results of the dispute.

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- - - \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html b/www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html deleted file mode 100644 index 3110f9c657c..00000000000 --- a/www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html +++ /dev/null @@ -1,1704 +0,0 @@ - - - - - - - Easy-to-remember guidelines help people reduce credit card debt | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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Easy-to-remember guidelines help people reduce credit card debt

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Take a short -guideline like “don’t swipe the small stuff” and make it your own. You might -just find that you’re better able to control your own credit card debt.

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- By - Susan Kerbel - - – - - - -
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- Rules to live by illustration -
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Have you ever looked at your credit card bill and -wondered where all those charges came from? Or found yourself swiping your -credit card for a purchase before you’ve had a chance to think about whether -you really wanted to borrow money to pay for it?

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Don’t feel discouraged – there are ways to get a -better hold on your credit card use.

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A recent study we commissioned found that following -simple guidelines, or rules to live by, can help you lower your credit card -debt, if you are a consumer carrying a month-to-month balance. The rules are -designed to help you improve the choices you make with your credit cards – -especially when you adjust the rule to live by to fit your personal financial -situation.

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We’ve created a worksheet  to help you create and follow your own money rules -to live by. Use the worksheet to:

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  • Find areas where you - might use your credit card less often
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  • Create a rule to live by - for how you want to use your credit cards
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  • Make a commitment to - yourself to act on your goal              
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Taking a close look at your small credit card -purchases is one place to start to help gain control over your credit card -spending. Then, you can create your own money rule to live by, such as using cash -for similar small purchases in the future, to help make credit choices that -work for you.

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Using the worksheet to write down your goal will also -help you stick to it.

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Just like lane markers on a highway, your money -rules to live by are guidelines that keep you moving in the right direction. -You might have to speed some things up, slow down others, or change lanes from -time to time, but your rules to live by can help you reach your financial -destination.

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To read the research that helped inform these -worksheets, take a look at our report on "The Power of Light-Touch Financial Education: A Demonstration with Credit -Card Revolvers.”

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If you are a financial educator or work with -consumers around money issues, check out our “Helpful shortcuts for credit card use: Ideas for -financial educators.”

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Climate risk should be considered in housing decisions

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Editorial note: This blog was originally posted on April 8, 2022, and has been updated on May 11, 2023.

Flooding, fire, drought, and other weather-related risks have always been a danger to property and consumer wellbeing. However, with the changing climate, these risks are increasing in intensity and frequency, impacting the likelihood of damage, cost of utilities, price of insurance, and potential resale value of homes.

A 2021 report by the First Street Foundation found that nearly 4.3 million residential homes across the country had substantial flood risk. For these properties, annual losses per property were estimated at $4,694, growing to $7,563 by 2051. Insurance can help minimize losses, however many homeowners, such as those in high-risk coastal areas in Florida , are facing rising insurance costs. Flood damage is not covered under most homeowners’ or renters’ insurance policies. In July 2022, when deadly floods hit eastern Kentucky, only 2.3% of homes in the area had government flood insurance , leaving many homeowners with insufficient resources to rebuild.

In other states, fire risk is a major factor, with an estimated 4.5 million U.S. homes at high or extreme risk, according to Verisk Analytics. Every property faces climate risks, however historically disadvantaged areas are disproportionately affected by heat and flood risk . For these homeowners, understanding climate risks is even more essential in order to take steps towards mitigation and plan for the future. Individual climate risks will vary based on location thus it is important to focus on the relevant risks for your area.

In this article, you will find information for:

For homebuyers

You have many factors to consider when deciding on a home: price, location, commute time, and schools, among others. It is time to add climate risks to that list.

Some major real estate websites already include flood risk and other climate risks in their listings. However, past flood damage can be hidden, costly to repair, and a sign of future risk. Before making an offer, look up a property’s climate risks using the resources below and check if your state has disclosure requirements for past flooding.

If a property is located in a FEMA high risk flood zone and you have a mortgage, you will likely be required to purchase flood insurance from the National Flood Insurance Program (NFIP) at additional cost, but it’s important to note that properties not in flood zones can still be at risk of flooding or other climate risks. On average, 40% of the National Flood Insurance Program (NFIP) flood insurance claims occur outside the high-risk flood areas. And in 2017, during Hurricane Harvey, thousands of properties not in flood zones ended up flooded , many of which did not have insurance to help with repairs. When looking for a home, carefully consider the costs and future availability of flood and homeowners insurance as well as needed resiliency or energy efficiency upgrades.

Flood is only one climate-related risk, and risks can vary greatly between properties. Investigate a potential home’s climate risk with some of these tools:

For homeowners

As a homeowner, it is important for you to know your climate risk so you can be better prepared for future costs and climate events. Often climate risks are undisclosed and only reveal themselves over time. Start by assessing the overall climate risk to your property, focusing on the most severe risks.

Investigate your climate risk with some of these tools: the FEMA National Risk Index , USDA Wildfire Risk to Communities , Risk Factor , or Climate Check .

Next, evaluate how these risks may impact future insurance and utility costs as well as resale value. Examine your current budget and how it would be impacted by rising utilities and insurance costs. If your home is in an area that will get hotter or has high climate risks, these costs are likely to rise more than average. Additionally, if your property is severely impacted by climate risks, that could make it expensive or impossible to insure in the future, causing potential buyers to be wary.

Lastly, investigate options to mitigate and adapt to your climate risk. FEMA has advice on how to protect your home from flooding and wildfire . These can help but are no guarantee, thus additional insurance may be needed. To save on utility costs, consider energy efficiency or other improvements such as solar panels , improved insulation , and energy efficient windows and home appliances . New tax credits from the Inflation Reduction Act of 2022 can help decrease the total cost of certain improvements but watch out for potential scams or companies that promise unrealistic cost savings.

For renters

As a renter, you are not responsible for damage to a property due to a climate event, but you can still be vulnerable to physical harm, displacement, and loss of belongings. In addition, rising utility payments will impact renters either directly, if they are responsible for paying utilities, or indirectly, through increased rent.

Most tenants get no information about a unit’s flood risk , and typical renters insurance does not cover flood damage. But flood insurance for renters is available. To prepare for climate events, you should be aware of the most relevant climate risks and, if possible, incorporate climate risks into your rental decisions.

Investigate your climate risk with some of these tools: the FEMA National Risk Index , USDA Wildfire Risk to Communities , Risk Factor , or Climate Check .

For real estate professionals

As a real estate professional, you will need to comply with state and local disclosure requirements on climate risks. In addition, by providing information to the consumer about potential risks early, you can avoid negative outcomes for both the buyer and seller. In February 2023, the Mortgage Industry Standards Maintenance Organization (MISMO), a private industry standards setting body, published a Flood Risk Disclosure Guide to serve as a resource for lenders to inform consumers about flood risk.

In order to help your customer understand better their climate risk, you may want to familiarize yourself with the various climate risk tools available including:

*Although this blog includes links to private websites measuring and discussing climate risks, the CFPB cannot attest to the accuracy of these sources and encourages consumers to look at many sources when making decisions on climate risks.

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Overcharging for add-on products on auto loans

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- By - Allison Brown - - – - - - -
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The Consumer Financial Protection Bureau is committed to ensuring a fair, transparent, and competitive auto lending market, and we are taking action against sloppy servicing practices that cause harm. Some of these practices involve optional, add-on products that consumers can purchase when they purchase a car. For example, guaranteed asset protection (GAP) products offer to help pay off an auto loan if the car is totaled or stolen and the consumer owes more than the car's depreciated value.

The add-on product’s potential benefits apply only for specific time periods, such as four years after purchase, and only under certain circumstances. Auto dealers and finance companies often charge consumers all payments for any add-on products as a lump sum at origination of the auto loan, and they generally include the lump sum cost as part of the total vehicle financing agreement. Consumers typically make payments on these add-on products throughout the loan term, even if the product expires years earlier.

Our examiners have focused on the way servicers handle these add-on product charges when the loan ends before the add-on product’s potential benefits end. Such early termination may happen because the consumer pays the loan off early, often through refinancing, or because the consumer was delinquent in making payments and the servicer repossessed the consumer’s car. As we describe in a report released today, examiners found that servicers engaged in unfair practices by failing to request refunds from the third-party administrators for “unearned” fees related to one such add-on product, GAP, and failing to apply the applicable refunds to the accounts after repossession and cancellation of the contracts. At that point, the consumers did not have the cars that had been subject to the GAP product, and the product no longer offered any possible benefit to consumers. Examiners found that servicers later sent deficiency notices to consumers and reported balances to third-party debt buyers that included these inaccurate amounts in the deficiency balances owed by consumers.

In response to these findings, the servicers remediated impacted consumers and implemented additional controls to ensure they process add-on product refunds after repossession.

Miscalculating Refunds

CFPB examiners have also cited servicers for engaging in unfair acts or practices for miscalculating ancillary auto product refunds after repossession and attempting to collect miscalculated deficiency balances. For example, servicers incorrectly calculated refunds for extended warranty products or other products that had been financed through the consumers’ auto loans. The miscalculations reduced the refunds available to certain borrowers and led to deficiency balances that were higher by hundreds of dollars. The servicers then attempted to collect the deficiency balances. In response to these findings, the servicers conducted reviews to identify and remediate affected borrowers.

The CFPB will continue to scrutinize servicer practices to make sure that borrowers aren’t overcharged when their loans end early.

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Protecting servicemembers from costly auto loans and wrongful repossessions

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- By - Patrick Brick, - Ryan Kelly, - and - Chris Kukla - - – - - - -
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If you take a drive down the main road leading to most military bases in the country, you’ll likely see car dealerships lining both sides of the street. The CFPB’s prior research has shown that young servicemembers tend to take out auto loans soon after joining the military and carry more auto debt than their civilian peers. This isn’t altogether surprising. When many servicemembers finish basic training, their first duty station is often in an area where a car is needed to get around or leave the base.

Access to credit can be an important and valuable tool for servicemembers. At the same time, if a servicemember becomes unable to keep up with financial obligations, it can lead to adverse personnel actions such as a lost security clearance or potential discharge. Many servicemembers are young, first-time car buyers with limited knowledge of credit products and terms. Accordingly, they may be more likely to agree to products they don’t need or understand or receive loan terms that are not in their best interest. While we expect that lenders will treat all borrowers fairly and responsibly, lenders need to pay particular attention to how they treat servicemembers and their families.

CFPB research shows that by the age of 24, around 20 percent of young servicemembers have at least $20,000 in auto debt, which is nearly two-thirds of a young enlisted soldier’s typical base salary at that age. In comparison, only seven percent of civilians at age 24 have the same amount of auto debt while 71 percent don’t have any. Young servicemembers also generally have higher rates of delinquency and repossession, especially those who serve fewer than five years. Those who remain in service longer than five years have rates of delinquency that are virtually indistinguishable from civilians.

To better protect those who serve in our military, Congress passed the Servicemembers Civil Relief Act (SCRA). Among other protections, the SCRA provides specific safeguards for active-duty military members facing repossession of their cars. While we know that many lenders take following the SCRA seriously, over the past five years the Department of Justice (DOJ) has sued multiple lenders for violating the law in their auto repossession practices.

The CFPB recently released a bulletin outlining some concerns about auto loan servicing and wrongful repossessions with respect to all consumers. Additionally, it’s less costly to repossess a car because many lenders now use certain technologies that make it easier to locate the vehicle, including starter-interrupt devices, GPS locators, and license plate recognition. We’re concerned that the use of these technologies may disproportionally impact certain communities and we’re taking steps to better understand their impact, including potential privacy concerns.

We expect servicers, lenders, and repossession agents to adhere to the requirements under the SCRA, particularly when using new repossession technologies to ensure that servicemembers are treated fairly and that all applicable laws and regulations are carefully followed.

If you’re a servicemember and believe your SCRA rights have been violated, we encourage you to reach out to your local legal assistance office and file a complaint directly with DOJ . If you have more general trouble with a financial product or service, you can submit a complaint to the CFPB. Servicemembers are responsible for keeping our country safe from harm, and we’re committed to protecting them from unfair or illegal financial services practices.

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Protecting you from unlawful debt collection at work

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- By - Seth Frotman - and - Lorelei Salas - - – - - - -
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Dealing with debt collection can be a source of significant stress for many people trying to navigate an already challenging financial landscape. Unscrupulous companies may use aggressive tactics to collect debts, including contacting people in the workplace, which can be illegal. This can threaten your employment or put pressure on you to pay debts even if you don’t actually owe them.

The Consumer Financial Protection Bureau (CFPB) continues to crack down on companies that harass consumers, including by unlawfully contacting their employers. In 2014, the CFPB with the states of North Carolina and Virginia got millions of dollars of relief from a debt collector that illegally contacted the commanding officers of members of the military to pressure them to pay. In 2018, the CFPB ordered a debt collector to pay a $5 million penalty for unfair practices that included contacting consumers at work even after being told they were not allowed to do so and disclosing information to employers about peoples’ alleged debts.

CFPB examiners recently found that one or more companies unfairly called peoples’ references and places of employment after people asked them to stop or abusively included language in their loan applications that suggested people had consented to workplace calls that were actually illegal. Law enforcement officials at the federal and state level that enforce the Fair Debt Collection Practices Act (FDCPA), state or federal prohibitions on unfair, deceptive, or abusive acts or practices, and similar laws should be on the lookout for companies that contact people at work to try and coerce them to pay debts, including debts they don’t actually owe.

The CFPB is also concerned that companies are exploiting an outdated provision of the FDCPA that allows debt collectors to contact third parties for the purpose of obtaining “location information,” including “place of employment.” Congress should consider repealing this provision, which some courts been interpreted to mean that debt collectors can contact your employer. In a world where so many people have cell phones, companies don’t often need to contact your employer to find you. In fact, companies may be calling you at work (or threatening to do so) when the real point is to embarrass, pressure, or otherwise coerce you to pay.

There are several actions that you can take to protect yourself from unwanted debt collection in the workplace:

1) Tell them to stop contacting you at work.

The FDCPA and similar provisions prohibit debt collectors from communicating with you at your place of employment if they know or have reason to know that your employer prohibits you from receiving such communications. Collectors are also prohibited from contacting you at a place they know or should know is inconvenient for you.

2) Demand that they stop contacting you completely.

The FDCPA and similar provisions prohibit debt collectors from communicating or attempting to communicate with you if you notify them in writing that you want those communications to cease or that you refuse to pay the debt. The CFPB provides template letters that you can use to make such a request. (Debt collectors are technically still permitted under the law to collect the debt even if they can’t contact you, although that won’t always happen.)

3) Submit a complaint with the CFPB.

If you have had a problem with a consumer financial product or service, including improper debt collection in the workplace, you can submit a complaint with the CFPB.

The CFPB’s work in this area is part of our effort to protect consumers from shady contract terms that deny consumers their rights and economic freedoms. We are also working hard on other initiatives to protect people in the workplace. For example, the CFPB recently took action to curb unchecked surveillance activities that your employer may be subjecting you to. The CFPB has also highlighted the growing prevalence of employer-driven debt and challenges workers and consumers face when they become indebted to an employer as a condition of employment. The CFPB has taken enforcement action against multiple vocational schools that make false claims about hiring rates and deceive trainees about loans and their costs. The CFPB has also clarified when the Equal Credit Opportunity Act applies with respect to franchisees seeking credit to finance their businesses.

For more information, see Can debt collectors tell other people, like family, friends, or my employer, about my debt?

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Rising car prices means more auto loan debt

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- By - Ryan Kelly, - Chris Kukla, - and - Ashwin Vasan - - – - - - -
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Earlier this month, the Bureau of Labor Statistics released data regarding changes to the Consumer Price Index (CPI), which is one measure of inflation. The increasing cost of automobiles continues to be a major component of inflation, as many manufacturers face difficulties procuring chips that are a key component in cars and are therefore producing fewer new cars. While the chip shortage has caused new cars to grow more expensive, the price increase of used cars has been sharper. Data show that the CPI for used cars and trucks increased 40 percent since January 2021 while the CPI for new cars increased 12 percent. As car prices continue to rise, loan amounts are rising, and loan lengths are growing to make those larger loans seem affordable.

As a result, we expect that both the total amount of debt and the average loan size will continue to increase and that larger car loans will put increased pressure on some consumers’ budgets for much of the next decade. Auto loans are already the third largest consumer credit market in the United States at over $1.4 trillion outstanding , double the amount from 10 years ago and expected to grow further. We are also concerned that current high auto prices, especially for used cars, might create incentives for lenders to repossess cars more quickly than would have occurred before.

For many, their car or truck is essential to get to work or to do their work. Therefore, as the economic recovery continues, we will focus on ensuring a fair, transparent, and competitive auto lending market in the following ways.

Ensuring affordable credit for auto loans

When loans are affordable, consumers can repay the loan and continue to use their car. When loans are made at the edge of (or beyond) a consumer’s ability to repay, any economic disruption in the consumer’s life can result in repossession. Given the increase in loan amounts, the rising length of loan terms, and the uncertainty around the ongoing economic recovery, we will be closely monitoring lender practices and consumer outcomes. In particular, we continue to evaluate lending structures where lenders seem to rely on high interest rates and fees to profit even when consumers fail.

We are also concerned about loan-to-value (LTV) ratios in the auto loan market. While LTV ratios have dropped in the past year for consumers who already had cars due to high used vehicle prices, LTVs were climbing prior to the global vehicle shortage. We expect that trend to resume once price pressures abate. We will continue to monitor the market as pricing issues persist.

Monitoring practices in auto loan servicing and collections

The current economic recovery is uneven, and some consumers have been hit harder economically due to the pandemic. We want to ensure that incentives are aligned between servicers and consumers, that servicers are making accommodations available to all consumers and that servicer practices treat consumers fairly. We will also continue to work with our federal agency partners to ensure that the special protections offered to our servicemembers are followed and enforced.

Technology continues to shape auto loan servicing and collections, but with that comes questions about the effect on consumers. It is now less costly to repossess a car because many lenders require the use of some of these technologies. For example, some lenders require access to GPS locators so that they always know where a car is physically located, require the installation of technology that blocks a borrower who has missed even one payment from starting the car, or use license plate recognition (LPR) technology to find cars on repossession “hot lists”.

We are concerned that the use of these technologies may disproportionally impact certain communities, and we are taking steps to better and fully understand their impact, including privacy concerns associated with them.

Fostering competition among subprime lenders

Consumers with prime credit scores typically have many financing options, including borrowing directly from lenders. This provides them more leverage to negotiate interest rates. On the other hand, consumers with subprime credit scores often get loans indirectly through a smaller pool of lenders that operate exclusively through dealers or from buy-here-pay-here (BHPH) dealers that specialize in subprime lending. The result is less comparison shopping, fewer options, and less leverage to negotiate the interest rate.

CFPB research shows that the average subprime auto loan interest rate is between about 9 percent and 20 percent annually , depending on the type of lender. This variation has a large impact on consumers. Our report estimates that typical “shallow subprime” small BHPH borrowers would save around $894 over the life of a loan if they could reduce the interest rate from 13 percent, which is typical for such BHPH borrowers, to 9 percent, which is typical for bank borrowers with similar default rates.

We are looking to better understand potential barriers to competition in the subprime auto lending market that may drive these and related outcomes. We will continue to research auto lending policies and practices that may hinder a fair, transparent, and competitive market. And, we will work with our counterparts at the Federal Trade Commission and the Federal Reserve Bank Board of Governors to use our collective authorities to address issues in the market.

Given the steep rise in costs to purchase an automobile, it is critical that America has a well-functioning auto lending market. We will keep the public updated on changes to the market and the actions we are taking to ensure the market is working fairly for all Americans.

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Understand how the CFPB’s Debt Collection Rule impacts you

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If you have a debt in collection, it’s often a challenging time. You may be having a difficult time financially and that can be frightening. And if a debt collector contacts you about your debts, you may have concerns about whether the debt collector is legitimate, whether the debt is yours, or if the amount the collector is seeking to collect is accurate.

The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. In addition, on November 30, 2021, the CFPB’s new Debt Collection Rule became effective. This rule clarifies how debt collectors can communicate with you, including what information they’re required to provide at the outset of collection about the debt, your rights in debt collection, and how you can exercise those rights.

Here are five key things to know about the new debt collection rule.

What is a debt collection validation notice?

When a debt collector first communicates with you, or shortly thereafter, they’re generally required to provide certain information about the debt. When the information is provided in writing or electronically, it is called a validation notice, and it will generally include information like:

  • Name and mailing information of the debt collector
  • Name of the creditor to whom the debt is owed
  • Account number (if any) associated with the debt
  • An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records
  • The current amount of the debt as of when the validation notice is provided
  • Information about your debt collection rights including how to dispute the debt

This notice is meant to help you identify whether you owe the debt and whether the collector’s information about the debt is accurate. The notice must include a “tear-off” form that you can send back to the debt collector to dispute the debt or take other actions.

How often can a debt collector call me?

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from repeatedly or continuously calling you with the intent to harass, oppress, or abuse you.

Under the Debt Collection Rule, collectors are presumed to violate the law if they place a telephone call to you about a particular debt:

  • More than seven times within a seven-day period, or
  • Within seven days after engaging in a phone conversation with you about a particular debt

These call frequency presumptions only apply to calls placed by the collector to you. They don’t apply to text messages, emails, and other types of media. Those media have other limitations.

Learn more about the rules for how often a debt collector can call you

When can a debt collector report my debt to a credit reporting company?

There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following:

  • Speak to you by telephone or in person about the debt
  • Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable

If the debt collector sends you a validation notice, it means that they’ve satisfied their requirement to contact you and, in general, can begin reporting the debt to credit reporting companies, provided they follow other laws about credit reporting.

Learn more about the rule for reporting a debt in collection

Can a debt collector contact me on social media about a debt?

Debt collectors must follow certain rules if they contact you through social media, including:

  • Keeping the messages private – Their messages to you must be private and not viewable by the general public or by your friends, contacts, or followers.
  • Identifying themselves as a debt collector – If a debt collector attempts to send you a private message requesting to add you as a friend or contact, the debt collector must identify themself as a debt collector.
  • Providing a way for you to opt out of their communications – They must also provide you, in each message, a simple way to opt out of receiving further communications from them on that social media platform.

Learn more about restrictions around social media outreach

What is a “limited-content message?”

A “limited-content message” is a type of voicemail that a debt collector may leave for you that must include specific information. Limited-content messages must include:

  • A business name that does not indicate the caller is a debt collector
  • Telephone number(s) you can use to return the call
  • A request that you reply and the name(s) of who you can contact to reply

There’s also some optional information they can include, including suggested dates and time for you to reply. Voicemails that don’t follow these rules are not considered limited-content messages.

Learn more about limited-content messages

If you're having an issue with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). You can also learn more about your debt collection rights.

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Understanding the Overdraft “Opt-in” Choice

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Making the right choice for you.

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- By - Gary Stein - - – - - - -
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If you have a checking account, you might have to deal with an overdraft fee. An overdraft occurs when you don’t have enough money in your account to cover a transaction, and the bank or credit union pays for it anyway. Transactions include ATM withdrawals and debit card purchases as well as checks and ACH payments (such as online bill payments). Many banks and credit unions offer overdraft programs, and these can vary by institution.

Generally, if you overdraw your checking account by a check or ACH, your bank or credit union’s overdraft program will pay for the transaction and charge you a fee. By allowing your account balance to fall below $0, your bank or credit union will also effectively take the repayment right out of your next deposit. At most institutions, the overdraft fee is a fixed amount regardless of the transaction amount, and you can incur several overdraft fees in a single day.

Overdraft fees work a little differently for debit cards. Your bank or credit union cannot charge you fees for overdrafts on ATM and most debit card transactions unless you have agreed (“opted in”) to these fees. If you choose to opt in to debit card and ATM overdraft, you are usually allowed to make ATM withdrawals and debit card purchases even if you do not have enough funds at the time of the transaction. However, you will generally incur fees on transactions that settle against a negative balance later.

If you have not opted in to ATM and debit card overdraft, debit card purchases and ATM withdrawals will generally be declined if your account doesn’t have enough funds at the time you attempt the transaction. If you have not opted in, you will still be able to make ATM withdrawals and debit card purchases when you have enough funds at the time you attempt your transaction, and you will not incur an overdraft fee regardless of whether you have the funds to cover the transaction in your account when the transaction later settles.

Since opted-in consumers allow their bank or credit union to charge them fees in the event of an ATM or debit card overdraft, they generally pay more in overdraft fees than consumers who do not opt in. For example, in 2014 the CFPB reported that opted-in accounts are three times as likely to have more than 10 overdrafts per year as accounts that are not opted in. The CFPB also found that opted-in accounts have seven times as many overdraft fees as accounts that are not opted in. Take a closer look at how consumers are impacted by opting in to checking account overdraft.

Whether or not you opt in, you may still be charged fees for overdrafts on checks or ACH transactions. Still, deciding whether or not to opt in can be one of the most important decisions you make that affects the cost of your checking account.

Here are six steps you can take to reduce or eliminate overdraft fees:

  • Track your balance as carefully as you can to reduce the chance you’ll overdraft. Also, sign up for low balance alerts to let you know when you’re at risk of overdrawing your account. If you have regular electronic transfers, such as rent, mortgage payments or utility bills, make sure you know how much they will be and on what day they occur. Track the checks that you write and note when the funds are deducted from your account, so that you do not accidentally spend money you have already paid from your account. You also need to know when the funds you have deposited become available for your use.
  • Check your account balance before making a debit card purchase (or ATM withdrawal), and then pause to ask yourself if you any other payments coming up. Just because your account has enough funds when you’re at the checkout counter doesn’t mean you’ll have the funds later when the transaction finally settles. If you’ve recently written checks or made online bill payments that have yet to be deducted from your account, these could draw down your funds in the meantime, leaving you without enough funds to cover your purchase. Debit card overdraft fees can occur on transactions that were first authorized when there were sufficient funds to cover them, but took the account negative when the transaction settled.
  • Don’t opt-in. You can avoid paying overdraft fees when using your debit card for purchases and at ATMs by not opting-in, or by opting-out if you are currently opted in.  This means that your debit or ATM card may be declined if you don’t have enough money in your account to cover a purchase or ATM withdrawal at the time you attempt a transaction. However, it also means you won’t be charged an overdraft fee for these transactions.
  • Link your checking account to a savings account. If you overdraw your checking account, your institution will take money from your linked savings account to cover the difference. You may be charged a transfer fee when this happens, but it’s usually much lower than the fee for an overdraft.
  • Ask your financial institution if you are eligible for a line of credit or linked credit card to cover overdrafts. You may have to pay a fee when the credit line is tapped, and you will owe interest on the amount you borrowed, but this is usually a much cheaper way to cover a brief cash shortfall.
  • Shop around for a different account. Find out about your bank or credit union’s list of account fees, or ask about them, then compare them with account fees at other banks or credit unions. Assess your own habits and what fees you may face. Consider penalty fees, such as overdraft and non-sufficient funds charges, as well as monthly maintenance, ATM surcharge, and other service fees. When comparing banks or credit unions, you might also want to consider factors such as the hours of operation, locations, access to public transportation, available products and services, and reputation for customer service.

Questions about overdraft fees or checking accounts?

Check out Ask CFPB, our database of common financial questions and answers.

Submit a complaint

If you have a problem with overdraft fees or any other financial products, you can submit a complaint online or by calling (855)411-2372

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What you need to know if you were harmed by Wells Fargo

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- By - Jeff Ehrlich - - – - - - -
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If you were one of the thousands of people who incurred fees as a result of an unauthorized Wells Fargo account, the CFPB has ordered Wells Fargo to refund all of your money. Some payments have already been made; others will be sent in the coming months.

Customers of Wells Fargo or any other bank or credit union should always closely monitor their accounts to make sure they don’t see unauthorized products or account activity. If you suspect that you had an unauthorized account opened, you should visit your local bank branch or call your financial institution. If you’re still having an issue, you can submit a complaint to the CFPB, either online or by calling toll-free (855) 411-2372.

The CFPB is requiring Wells Fargo to provide full refunds to consumers for the fees they incurred as a result of the bank’s illegal conduct, and affected customers are not required to take action to get a full refund.  

The historic $100 million fine we imposed on Wells Fargo is in addition to the money the bank must pay back to harmed consumers. There were also fines from other government agencies. The CFPB’s large fine reflects the seriousness of these violations and sends the message to the bank and other financial institutions that this type of misconduct carries serious consequences. 

It is also a good idea to periodically check your credit report. Get a free copy of your credit report at AnnualCreditReport.com . You can receive a free credit report from each nationwide credit reporting company once every 12 months.

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Who are the Credit Invisible?

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How to help people with limited credit histories

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In 2015, we published a report finding that 26 million Americans are “credit invisible.” This figure indicates that one in every ten adults does not have any credit history with one of the three nationwide credit reporting companies. The report also found that Black consumers, Hispanic consumers, and consumers in low-income neighborhoods are more likely to have no credit history or not enough current credit history to produce a credit score.

Today, we’re releasing a brief of the most significant findings, as well as a checklist of action items to help consumers who are new to credit or looking to rebuild. 

Check out our brief on credit invisibility , as well as our checklist .

Credit reports and credit scores play a crucial role in the lives of consumers in America. Fortunately, there are actions you can take to build credit.

Know what matters

Paying your bills on time, every time, is one critical step in building a good credit score. Also, don’t get too close to your credit limit. Experts advise keeping your use at no more than 30 percent of your total credit limit. 

Find products that will help you to build your credit history responsibly

There are a number of existing products considered helpful in establishing or rebuilding credit histories, and provide you with the opportunity to practice making on-time payments that are reported to the credit reporting companies. Below is a list of common credit-building products to explore:

  • Secured credit cards: You can apply for this card like a traditional credit card and after approval, deposit an amount of money –which can range from $50 to $300 depending on the credit card company – into a separate account. The bank holds onto this deposit and extends you a credit line matching the deposit amount that you made. Banks typically report to the credit reporting companies about card activity – so you build credit with its use, but be sure to ask your card issuer. Many secured cards also include a “graduation” component, so you are able to move from a secured card to a traditional credit card seamlessly after establishing a pattern of consistent payments.
  • Credit builder loans: Financial institutions, typically credit unions, deposit a small “loan” (often $300-$1000) into a locked savings account and you pay the institution back with small-dollar payments over 6 to 24 months. These payments are reported to the credit reporting companies. Once you come to the end of the loan term, you receive the accumulated money back in total. These loans often have the dual benefit of building credit and savings. The savings could be used for an emergency (in lieu of a more costly financial products) or as the deposit for a secured credit card. This can help you establish a credit history for the first time.
  • Retail store credit cards: Many gas stations, department stores or retail chains offer credit cards. These cards tend to be easier to obtain and typically offer lower credit lines. This combination makes them an option when you’re looking to build up a thin or nonexistent credit record.

Reporting rent and other, less traditional payment data to the credit reporting companies

There are a number of payments you make that credit reporting companies don’t currently receive information about, but could be captured to record on-time payment history. This data could include monthly rent or cell phone payments. You can also leverage this opportunity by opting into self-reported payments through a company that offers this service. Fees and conditions may apply for such services, so be sure to do your homework before enrolling. 

Know how to access credit reports 

You have the right to request your credit report from each of the three nationwide credit reporting companies once every twelve months free of charge at annualcreditreport.com . Having this information on-hand is the most important first step to building or rebuilding credit. 

Take steps to correct errors

You should actively take steps to correct any accuracy issues with your credit reports. In fact, accuracy issues are the top cited issues in credit reporting complaints we handle. We have forms you can use to dispute errors on your credit report. 

You have the legal right to dispute errors on report with the credit reporting company and the company that furnished the information to the reporting company such as your lender. Companies are obligated to conduct – free of charge – a reasonable investigation of your dispute. The company that has provided the incorrect information must correct the error, and notify all of the credit reporting companies to whom it provided the inaccurate information.

We have other tools to help you get the information you need. If you have questions about credit reporting and building your credit, visit Ask CFPB. If you are facing an issue with credit reporting, or other financial products or services, you can submit a complaint at consumerfinance.gov/complaint or by phone at 855-411-2372.

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  • - CFPB Sues Vanderbilt for Setting Borrowers Up to Fail in Manufactured Home Loans + href="/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/"> + CFPB Finalizes Rule to Remove Medical Bills from Credit Reports

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  • - Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, on Developments Regarding Large Asset Manager Ownership of Banks + href="/about-us/newsroom/cfpb-sues-experian-for-conducting-sham-investigations-of-credit-report-errors/"> + CFPB Sues Experian for Credit Sham Investigations of Credit Report Errors

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  • - CFPB Sues Walmart and Branch Messenger for Illegally Opening Deposit Accounts for More Than One Million Delivery Drivers + href="/about-us/newsroom/cfpb-sues-vanderbilt-for-setting-borrowers-up-to-fail-in-manufactured-home-loans/"> + CFPB Sues Vanderbilt for Setting Borrowers Up to Fail in Manufactured Home Loans

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    CFPB and Financial Regulators Issue Guidance on How Banks Handle Consumer Deposit Account Discrepancies

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    Interagency Guidance Details Supervisory Expectations for Preventing Consumer Harm

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    WASHINGTON, D.C. — Today the Consumer Financial Protection Bureau (CFPB) and four federal financial regulatory agencies issued guidance providing supervisory expectations on how financial institutions should handle consumer deposit discrepancies. The interagency guidance states that banks should avoid or reconcile, or resolve discrepancies between the amount they credit to a consumer’s account and how much was actually deposited. The guidance calls on banks to adopt policies that treat consumers fairly when they make deposits and do not violate law. 

    “Consumers should not be denied timely access to the full amount of their deposits,” said CFPB Director Richard Cordray. “Today’s guidance should make it clear that we expect financial institutions to take steps to handle and resolve deposit discrepancies and avoid consumer harm.” 

    Today’s interagency guidance is available at: https://www.consumerfinance.gov/f/documents/201605_cfpb_interagency-guidance-regarding-deposit-reconciliation-practices.pdf

    When a consumer makes a deposit, in some instances, the sum the bank credits to the account may be different from the total amount deposited. These deposit discrepancies can occur for several reasons, such as the amount written on a deposit slip does not match the cash transferred into the bank. In other instances, there might be encoding errors or a poor image capture by the bank when it scans or reads a deposit slip. Financial institutions use a variety of approaches to fully reconcile deposit discrepancies, including technology solutions. 

    Today’s interagency guidance outlines the laws and regulations that apply to deposit discrepancy practices. If a financial institution fails to comply with applicable laws and regulations, including prohibitions against unfair, deceptive, and abusive practices, it could open it up to liability and possible action by an agency. 

    The interagency guidance is being issued by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration, the Office of the Comptroller (OCC) of the Currency, and the CFPB. 

    On August 12, 2015, the CFPB, OCC, and FDIC took action against Citizens Bank, N.A., for failing to credit consumers the full amounts of the their deposited funds. The CFPB’s consent order requires the bank to provide approximately $11 million in refunds to consumers and pay a $7.5 million penalty for the violations. 

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    CFPB Finalizes Rule to Protect Homeowners on Solar Panel Loans and Other Home Improvement Loans Paid Back Through Property Taxes

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    Lenders offering ‘PACE products’ banned from setting borrowers up to fail on clean energy and disaster readiness loans

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    WASHINGTON, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) finalized a rule mandated by Congress that applies existing residential mortgage protections to Property Assessed Clean Energy (PACE) loans. PACE loans are used by homeowners for clean energy upgrades and disaster readiness that are paid back through their property tax bills. Because of concerns about subprime-style lending that puts homeowners at risk of losing their home, Congress required the CFPB to enhance protections. The rule will ensure that PACE borrowers have the right to receive standard mortgage disclosures that allow them to compare the cost of the PACE loan with other forms of financing, and the lender will be responsible for ensuring that the borrower is not set up to fail with an unaffordable loan.

    “Today’s rule stops unscrupulous companies and salespeople from luring homeowners into unaffordable loans based on false promises of energy savings,” said CFPB Director Rohit Chopra. “Homeowners deserve to know just how much they are paying when they put their home and financial future on the line.”

    Most PACE loans are marketed to homeowners, typically through door-to-door sales, by a company who brokers financing and contracts for clean energy installation or other home improvements. These companies may promise that the improvements will pay for themselves with energy savings or through enhanced disaster preparedness.

    While PACE financing can provide quick cash for home improvements, CFPB research shows that:

    • Most PACE borrowers are eligible for other forms of financing, often at much cheaper rates than PACE loans.
    • PACE loans caused borrowers’ property taxes to increase by about $2,700 per year or an 88 percent increase.
    • PACE borrowers were more likely to fall behind on their first mortgage than people who chose not to finance home improvements with PACE.
    • PACE loans tend to be more expensive – around five percentage points higher -- than first mortgages, even though PACE loans get paid at a foreclosure sale before first mortgages.

    The CFPB has been carefully monitoring the fast-growing market for loans used for clean energy financing, including those not paid back through property taxes. In August 2024 CFPB issued a report and advisory warning consumers about predatory solar loans that found some residential solar lenders are misleading homeowners about the terms and costs of their loans, their payment plan, misrepresenting the energy and tax savings, and cramming markup fees into borrowers’ loan balances.

    Today’s final rule is part of the CFPB’s commitment to implementing regulations mandated by Congress and reviewing outdated regulations. Recently, the CFPB finalized a rule to implement a 2010 authority that provides new rights for consumers to control their personal financial data. Last year, the CFPB finalized a required rule to increase transparency into small business lending. In 2022, the CFPB finalized a required rule to help human trafficking survivors rebuild their financial lives. The CFPB has also looked and reviewed regulations related to junk fees, including in the mortgage market. Today’s final rule, which will be effective on March 1, 2026, implements the Congressional mandate in the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018.

    Read the regulatory text of the final PACE rule .

    Read the full Federal Register notice.

    Read CFPB’s consumer tips for residential PACE loans.

    Read CFPB’s consumer advisory for solar energy installations.

    Consumers can submit complaints about financial products including clean energy financing and services by visiting the CFPB’s website or by calling (855) 411-CFPB (2372). Employees who believe their company has violated federal consumer financial protection laws are encouraged to send information about what they know to whistleblower@cfpb.gov. To learn more about reporting potential industry misconduct, visit the CFPB’s website.

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    CFPB Takes Action on Bait-and-Switch Credit Card Rewards Tactics

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    Agency warns companies against illegal devaluation of rewards and other unlawful practices, highlights issues with retail credit cards, and launches a tool to help find cards with lower rates

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    WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) announced major actions today to protect consumers from illegal credit card practices and help people save money on interest and fees. In a circular to other law enforcement agencies, the CFPB warned that some credit card companies operating rewards programs may be breaking the law, including by illegally devaluing rewards points and airline miles. The CFPB also published new research finding that retail credit cards—which typically offer store-specific rewards and loyalty programs—charge significantly higher interest rates than traditional cards. The CFPB further launched a new tool, Explore Credit Cards, to help consumers find the best credit card rates across both rewards cards and traditional cards. This first-of-its-kind tool enables consumers to compare more than 500 credit cards using unbiased, comprehensive data.

    “Large credit card issuers too often play a shell game to lure people into high-cost cards, boosting their own profits while denying consumers the rewards they’ve earned,” said CFPB Director Rohit Chopra. “When credit card issuers promise cashback bonuses or free round-trip airfares, they should actually deliver them. The CFPB is taking aim at bait-and-switch tactics and promoting more competition in credit card markets to protect consumers and give people more choice.”

    The CFPB’s actions arrive during the busy end-of-year shopping and travel season; for instance, retail card originations tend to be seasonal, peaking in November and December as retail sales volumes and promotions are high during the holidays.

    CFPB Moves to Stop Credit Card Rewards Program Schemes

    The circular released by the CFPB addresses practices in credit card rewards programs, which companies increasingly use to encourage consumers to apply for and use specific cards. Since 2019, more than 90 percent of general-purpose credit card spending occurred on rewards cards. In today’s marketplace, credit card issuers often promise cash, points, and miles sign-up bonuses to consumers, as well as rewards for certain types of spending. Consumers have reported to the CFPB that these rewards can be difficult to redeem or are sometimes devalued by policy changes by partners.

    In May 2024, the CFPB and the U.S. Department of Transportation hosted a public hearing about challenges consumers are experiencing and the lack of competition in airline and credit card rewards programs. In conjunction with the hearing, the CFPB issued a report finding consumers encounter numerous problems with credit card rewards programs.

    Today’s circular warns that companies may violate federal law when they:

    • Devalue earned rewards: Consumers make decisions on whether to open or use a credit card based on the value of card benefits and rewards conveyed by a company’s advertising and other communications. If the company later deflates the value of a customer’s accrued awards, this may be an unfair or deceptive practice resembling a bait-and-switch scheme.
    • Hide the conditions for earning or keeping rewards: Fine print disclaimers or vague terms buried in a contract may unlawfully conflict with prominent promotional language advertising the rewards consumers can earn. Companies may also illegally rely on fine print to cancel valuable rewards that consumers have already earned. If consumers’ receipt of rewards is revoked, canceled, or prevented based on buried or vague conditions, that may be an unfair or deceptive act or practice.
    • Fail to deliver promised benefits: Companies operating rewards programs are responsible for ensuring consumers can redeem the rewards they have earned, including coordinating with merchant partners and vendors. If system failures result in consumers losing points when attempting to redeem, this may be considered an unfair or deceptive practice.

    The CFPB has taken action against issuers such as American Express and Bank of America for illegal practices related to credit card rewards programs. The CFPB will continue to monitor these programs and will take necessary action on these issues as appropriate.

    CFPB Research Highlights High Interest Rates, Consumer Complaints with Retail Credit Cards

    As part of its work to monitor the U.S. credit card market, the CFPB published new research identifying key findings about retail credit cards. Retail credit cards represent a significant part of the consumer credit card market, and one out of every four credit card accounts is a private label retail card, with over 160 million open accounts in 2024. The CFPB found that retail cards—more than 80 percent of which are issued by four large banks—are more expensive than general purpose cards, with 90 percent of retail cards reporting a maximum annual percentage rate (APR) above 30 percent, compared to only 38 percent of non-retail general purpose cards in one CFPB survey sample. In December 2024, private label cards for the top retailers had an average APR of 32.66% for new accounts.

    In complaints submitted to the CFPB, consumers have also reported experiencing aggressive sales tactics at the point of sale, inability to redeem promotions, and frustration with paper statement fees and late fees. Private label store cards make up a disproportionate amount of late fee volume compared to their share of account volume, according to the CFPB’s analysis.

    A New, Unbiased Way to Explore Credit Cards and Find Lower Interest Rates

    The CFPB also launched Explore Credit Cards, a tool that helps people make apples-to-apples comparisons about options in the credit card market, using open data. Unlike existing comparison sites that may feature a limited selection of cards with high annual fees and APRs, rely on kickback schemes, and accept money to promote cards, the CFPB’s new tool provides unbiased, comprehensive data for more than 500 cards, and the data is available to everyone. Earlier this year, the CFPB issued a circular explaining that companies operating existing shopping tools can break the law when they steer consumers to certain products or lenders because of kickbacks.

    The tool addresses a lack of price competition in the credit card market: despite significant rate differences between issuers serving similar customers, people cannot easily compare interest rates before applying. By enabling consumers to explore cards based on credit score range, interest rates, fees, and rewards offerings, the tool also affords consumers with a higher degree of certainty when searching for cards for their situation.

    The data and tool will promote more competition in the credit card market and allow smaller providers and companies with better offers a chance to compete. The CFPB is also inviting more companies to contribute to the data set, to make sure that the information can cut through the marketing on pay-to-play platforms.

    The CFPB previously used the same comparison data to show that the 25 largest credit card issuers charged interest rates 8 to 10 percentage points higher than smaller banks and credit unions – a difference that can cost the average cardholder $400 to $500 per year. By requiring issuers to report their actual average interest rate by credit tier and making this data public, people have access to information to find the best rates based on their situation and needs.

    By law, the 25 largest issuers of credit cards and 125 others selected by the CFPB as a representative sample of all issuers are required to submit data to the CFPB. Additional issuers can voluntarily contribute their data. The CFPB invites voluntary data submissions, particularly from smaller issuers, so they have a chance to promote their credit products in a market typically dominated by pay-for-play. The next publication will be in Spring 2025.

    Read today’s circular on credit card rewards programs.

    Read the Issue Spotlight on the High Cost of Retail Credit Cards.

    Explore credit cards with the CFPB’s new tool.

    Consumers can submit complaints about financial products and services by visiting consumerfinance.gov/complaint or by calling (855) 411-CFPB (2372).

    Employees who believe their company has violated federal consumer financial protection laws are encouraged to send information about what they know to whistleblower@cfpb.gov. To learn more about reporting potential industry misconduct, visit consumerfinance.gov/whistleblower.

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov.

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    CFPB Takes Steps to Improve Checking Account Access

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    CFPB Concerned that Screening Inaccuracies and Lack of Account Options are Keeping Consumers Out of the Banking System

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    WASHINGTON, D.C. — Today the Consumer Financial Protection Bureau (CFPB) is taking steps to improve checking account access amidst Bureau concerns that consumers are being sidelined by the lack of account options and by inaccurate information used to screen potential customers. Today the CFPB sent a letter to the 25 largest retail banks encouraging them to make available and widely market lower-risk deposit accounts that help consumers avoid overdrafting. The CFPB also issued a bulletin warning banks and credit unions that failure to meet accuracy obligations when they report negative account histories to credit reporting companies could result in Bureau action. And finally, the CFPB is providing consumers with resources to help navigate the deposit account system.

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    “Consumers should not be sidelined out of the basic banking services they need because of the flaws and limitations in a murky system,” said CFPB Director Richard Cordray. “People deserve to have more options for access to lower-risk deposit accounts that can better fit their needs.”

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    Almost nine out of 10 American households have at least one checking account, and many also maintain a savings account. In recent decades, technology has made it possible for consumers to access funds in their accounts in a variety of ways. More and more banks have also introduced automated overdraft programs. As these changes have occurred, banks have placed greater emphasis on screening new applicants for potential risks that may arise if a consumer exceeds his or her account balance.

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    One way that banks and credit unions screen account applicants for risk is to use information provided by checking account reporting companies, which have databases of information on involuntary closures of consumer checking accounts supplied by banks and credit unions. In October 2014, the CFPB laid out concerns about the information accuracy of these reports, people’s ability to access the reports and dispute incorrect information, and the ways in which the reports were being used.

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    Today, the CFPB is warning banks and credit unions of their obligations when reporting. And while some banks and credit unions currently offer products that help consumers avoid overdrafts and other risks, the CFPB is also encouraging the industry more broadly to provide account options for consumers so they are less likely to overspend their funds.

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    Lower-Risk Deposit Accounts

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    Today the CFPB sent a letter to the nation’s top 25 retail banking companies urging them to do more to create or promote deposit accounts designed to meet consumers’ financial needs. The CFPB is urging banks and credit unions to offer consumers accounts that do not authorize them to spend money they don’t have. Separately, the CFPB is weighing what additional consumer protections are necessary for overdraft and related services. Among today’s CFPB recommendations:

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    • Offer lower-risk products: Today the CFPB is encouraging banks and credit unions to offer products that are designed not to authorize overdrafts and that do not charge overdraft fees. A number of institutions have introduced “no-overdraft” accounts and offer them alongside more common checking account products. However, in a recent CFPB review of the top retail banking websites, the CFPB found nearly half do not appear to offer any deposit account that ensures consumers can’t overspend. Such a product would give consumers an opportunity to choose an account that helps them avoid overdrafting.
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    • Advertise the lower-risk products: The CFPB is concerned that even when companies have these accounts available, consumers don’t know about them. So the CFPB is also urging banks and credit unions to feature such products prominently in their marketing efforts, their online and in-store checking account menus, and during sales consultations.
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    The letter sent to the financial institutions is available at: https://files.consumerfinance.gov/f/201602_cfpb_letter-to-banks-on-lower-risk-accounts.pdf

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    Screening Accuracy Improvements

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    The bulletin issued by the CFPB today warns banks and credit unions that they must have systems in place regarding accuracy when they pass on information, such as negative account histories, to checking account reporting or other credit reporting companies. The consumer reporting companies focused on checking accounts typically generate reports on charge-off amounts, past non-sufficient funds activity, unpaid or outstanding bounced checks, overdrafts, involuntary account closures, and fraud.

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    The CFPB is concerned about inaccuracies and inconsistent information provided by the financial institutions to the reporting companies. In a recent Supervisory Highlights, the CFPB noted that examiners found that one or more financial institutions failed to “establish and implement reasonable written policies and procedures regarding the accuracy of the deposit account information provided to the consumer reporting companies.” Examiners also found that at least one entity violated its federal obligation to handle consumer disputes about these issues.

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    Banks and credit unions should expect accurate information from checking account reporting companies to make fair assessments of deposit account applicants. If the system is tainted with incomplete, inconsistent, and inaccurate information, banks and credit unions cannot make informed decisions.

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    The bulletin is available at: https://files.consumerfinance.gov/f/201602_cfpb_supervisory-bulletin-furnisher-accuracy-obligations.pdf

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    Empowering Consumers to Navigate the System

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    The CFPB is also releasing resources to encourage consumers to shop for lower-risk checking and prepaid accounts that will not authorize them to exceed their account balances. These products can help consumers maintain their accounts longer, and the banks and credit unions that offer them are often more accepting in their screening practices. The resources include tips and information about choosing an account and managing an account.

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    The CFPB also released a consumer advisory to help people know what to do if they have been denied a deposit account or have an involuntary account closure. The CFPB is concerned that most consumers are unaware of what to do if they are rejected by a bank; and most are probably unaware of the screening system that provided the information to the bank about their checking-account profile. A consumer who had an account closed and goes to open a new account at another institution may be equally unaware of how this screening information will be used to judge his or her account application. Today’s advisory tells consumers:

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    • How to obtain a copy of their checking account history: If a bank or credit union makes its decision to deny a new account based on negative reporting, the bank or credit union is required to provide the consumer with the source. The consumer should contact that source and has the right to obtain a free copy of his or her consumer report.
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    • How to dispute items with the consumer reporting company: If the consumer thinks the information provided by the checking account reporting company is inaccurate, he or she should file a dispute with the company. The company is required to conduct a reasonable investigation. The CFPB is providing a sample letter to help consumers dispute the inaccurate information with the checking account reporting company.
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    • How to dispute items with a bank or credit union that reported inaccurate information: If the consumer thinks some of the information on the consumer report is inaccurate, then he or she also should contact the financial institution that reported it, such as his or her old bank. The consumer can then request a correction. Federal law requires financial institutions to promptly correct inaccurate information. The CFPB is releasing a sample letter that consumers can use to contact a financial institution to dispute inaccurate information.
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    • To shop around for lower-risk products: Consumers can shop around to find banks or credit unions that offer accounts without features like overdraft, many of which are available despite prior negative account history. Prepaid products are also a viable option for consumers looking to ensure they only spend the money they have.
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    The guide to select a lower-risk account can be found at: https://files.consumerfinance.gov/f/201602_cfpb_consumer-guide-to-selecting-a-lower-risk-account.pdf

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    The guide to manage your checking account can be found at: https://files.consumerfinance.gov/f/201602_cfpb_consumer-guide-to-managing-your-checking-account.pdf

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    The consumer advisory about being denied a checking account can be found at: https://files.consumerfinance.gov/f/201602_cfpb_consumer-guide-to-being-denied-a-checking-account.pdf

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    The CFPB

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    We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions.

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    In a market that works, the prices, risks, and terms of the deal are clear upfront so that consumers can understand their options and comparison shop. Companies all play by the same consumer protection rules and compete fairly on providing quality and service.

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    The CFPB

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    We’re the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders, and other financial institutions.

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    Our core functions

    The CFPB was created to provide a single point of accountability for enforcing federal consumer financial laws and protecting consumers in the financial marketplace. Before, that responsibility was divided among several agencies. Today, it’s our primary focus.

    Our work includes:

    • Rooting out unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and enforcing the law
    • Enforcing laws that outlaw discrimination in consumer finance
    • Taking consumer complaints
    • Enhancing financial education
    • Researching the consumer experience of using financial products
    • Monitoring financial markets for new risks to consumers
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    Fast Facts: CFPB by the Numbers

    Last updated: December 3, 2024

    • $21 billion+: Amount of monetary compensation, principal reductions, canceled debts, and other consumer relief resulting from CFPB enforcement ($19 billion) and supervisory ($1.7 billion) work.
    • 205 million+: Estimated number of consumers or consumer accounts eligible to receive relief from the CFPB’s enforcement and supervisory work.
    • $5 billion+: Civil money penalties imposed by the CFPB on companies and individuals that violate the law. Civil money penalties are deposited into the CFPB’s victims relief fund (also known as the civil penalty fund), which provides compensation to consumers who have been harmed by violations of federal consumer financial protection law.
    • $6.1 billion: Estimated amount consumers will save every year due to recent changes in banks’ overdraft and non-sufficient funds (NSF) fee policies. The CFPB's most recent analysis found that the decision of most large banks to eliminate NSF fees will save consumers nearly $2 billion annually.
    • $363 million: Monetary relief resulting from 39 public enforcement actions that involved harm to servicemembers and veterans, including six enforcement actions for violations of the Military Lending Act.
    • 22.8 million: The estimated number of people expected to have had at least one medical collection removed from their credit reports after the three nationwide consumer reporting companies announced the removal of medical collections under $500 from consumer credit reports in April 2023. In March 2022, the CFPB released a report drawing attention to the complicated and burdensome nature of the medical billing system in the United States.
    • 6.8 million+: Consumer complaints sent to companies for response,1 including 4.6 million+ complaints about credit reporting, 83,000+ complaints about medical debt collection, and 96,000+ complaints about student loans.
    • 63 million+: Approximate number of users who have accessed answers to hundreds of common financial questions via the CFPB’s “Ask CFPB” database.
    • 35: Number of Supervisory Highlights issued. These reports include key examination findings, communicate operational changes to the CFPB’s supervision program, and provide a resource for information on our recent guidance documents.
    • 8: Number of languages that CFPB provides translated consumer-facing materials in, including: Arabic, Chinese, Haitian Creole, Korean, Spanish, Tagalog, and Vietnamese. Consumers can also submit a complaint on the phone in more than 180 languages.
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    Endnotes

    1. The CFPB does not immediately publish every consumer complaint sent to companies for response on its public-facing consumer complaint database. As such, the total number of complaints publicly available on the CFPB website is fewer than the number of complaints sent to companies for response. Details on the criteria used by the CFPB for publishing consumer complaints on its consumer complaint database can be found here: https://www.consumerfinance.gov/data-research/consumer-complaints/.
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    Recent updates

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    Recent updates

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    Recent updates

    - - - - Category: - Speech - - - - - Prepared Remarks of CFPB Director Rohit Chopra at the Center for American Progress Housing Summit - - - - - - - - - - Category: - Press release - - - - - CFPB Takes Action to Stop Banks from Harvesting Overdraft Fees Without Consumers' Consent - - - - - -
    diff --git a/www.consumerfinance.gov/ask-cfpb/am-i-responsible-for-unauthorized-charges-if-my-credit-cards-are-lost-or-stolen-en-29/index.html b/www.consumerfinance.gov/ask-cfpb/am-i-responsible-for-unauthorized-charges-if-my-credit-cards-are-lost-or-stolen-en-29/index.html deleted file mode 100644 index 599e5c68f50..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/am-i-responsible-for-unauthorized-charges-if-my-credit-cards-are-lost-or-stolen-en-29/index.html +++ /dev/null @@ -1,1489 +0,0 @@ - - - - - - - Am I responsible for unauthorized charges if my credit cards are lost or stolen? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    If you report a lost or stolen credit card before it is used, you can’t be held responsible for any unauthorized charges.

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    If there is unauthorized use of your card before you report it missing, the most you will owe for unauthorized charges on the card is $50. Many cardholder agreements say you are not responsible for any charges in this circumstance.

    If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use.

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-take-my-social-security-or-va-benefits-en-1157/index.html b/www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-take-my-social-security-or-va-benefits-en-1157/index.html deleted file mode 100644 index f9318e4dc77..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-take-my-social-security-or-va-benefits-en-1157/index.html +++ /dev/null @@ -1,1550 +0,0 @@ - - - - - - - Can a debt collector take my federal benefits, like Social Security or VA payments? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. This is called garnishment.

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    The key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card.

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    As long as I am using direct deposit, which federal benefits are protected?

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    Money you receive and direct deposit to your account or card from the following government programs is protected:

    • Social Security benefits
    • Supplemental Security Income (SSI) benefits
    • Veteran’s benefits
    • Civil service and federal retirement and disability benefits
    • Servicemember pay
    • Military annuities and survivor benefits
    • Federal student aid
    • Railroad retirement benefits
    • Financial assistance from the Federal Emergency Management Agency (FEMA)
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    Doesn’t my bank or credit union have to protect two months’ worth of direct deposited benefits automatically?

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    When your bank receives a court order to garnish money in your account, your bank must look at your account history to see if you received federal benefits by direct deposit in the last two months. Two months’ worth of benefits are protected and remain in your account for you to use.

    • For example: If you receive $1,000 in Social Security each month, your bank has records showing $2,000 in Social Security was direct deposited in the last two months. The bank must allow you to use up to $2,000 in the account.
    • However, if you receive Social Security or VA benefits by check and then deposit the check into your bank account, the bank does not have to protect two months’ worth of benefits in the account. This means that your entire account balance could be frozen and you’ll need to go to court to prove that it comes from protected federal benefits and should not be garnished.

    The debt collector is permitted to garnish money in your account that is over two months’ worth of benefits. If your account has more than two months’ worth of benefits, your bank can garnish or freeze the extra money.

    • For example: If you receive $1,000 in Social Security benefits by direct deposit each month, and you have $3,000 in your account, the bank can turn over $1,000 of the $3,000 to a debt collector. The bank must give you access to the remaining $2,000 so you can continue to pay bills and withdraw cash as usual.
    • The bank is allowed to charge you a processing fee for the garnishment in this situation.

    However, if the extra money is also exempt from garnishment under federal or state law, you may be able to go to court to have your money released.

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    Can my benefits be garnished to pay my government debts, child support, or spousal support?

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    Social Security and Social Security Disability Insurance (SSDI) can sometimes be garnished to pay money you owe to the government, such as back taxes or federal student loans, and money you owe for child or spousal support.

    Some benefits, such as Supplemental Security Income (SSI), are protected from garnishment – even to pay a government debt or child or spousal support.

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    Using the courts to release money after garnishment

    If your bank garnishes or freezes money in your account, you must be sent a notice of garnishment. The notice explains the court procedures for claiming exemptions from garnishment and getting your money released.

    A judge decides whether your money should be turned over to the debt collector, based on factors such as the source of your income and any federal or state exemptions.

    It is very important for the judge to know that your money comes from Social Security, SSI, VA, or other federal or state benefits before the judge decides whether your money should be turned over to the debt collector. You should notify the court, the bank, and the person or business that is garnishing your account immediately in writing, and seek help from a lawyer .

    You may qualify for free legal help. You can find your local legal services program or attorney referral program here .

    The Eldercare Locator connects older Americans and their caregivers with trustworthy local support resources, including free legal aid for many older adults. You can use the Eldercare Locator to find services in your area or call 1-800-677-1116.

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    No, a bank or credit union is not obligated to cash your check. If you go to a bank or credit union where neither you nor the person writing the check has an account, the bank or credit union will often refuse to cash the check.

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    However, many banks or credit unions will cash a check if:

    • It is written by one of their account holders,
    • There is money in the account to cover the check,
    • The check is not more than 6 months old,
    • You are the payee shown on the face of the check, and
    • You show proper ID.

    The bank or credit union might charge a fee if you don’t have an account with them.

    The bank or credit union where you have your checking account may allow you to cash a check from another bank or credit union. However, it might require you to first deposit the check into your own account. If you deposit the check in your checking account, the funds will usually be available in one or two business days.

    Some banks and credit unions do provide fee-based check cashing services, including to those that do not have an account with the bank or credit union.

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    You are not required to have a Social Security number to open a checking or savings account.

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    To open a checking or savings account, the bank or credit union will need to verify your name, date of birth, address, and ID number. An ID number can be a Social Security number (SSN) or an Individual Taxpayer Identification Number (ITIN). To get an ITIN, you will need to fill out a form with the Internal Revenue Service (IRS) .

    If you don’t have a U.S. government-issued SSN or ITIN, some banks and credit unions will accept a passport number and country of issuance, an alien identification card number, or other government-issued ID number.

    Banks and credit unions are required to verify your identity when you apply to open an account. If you don’t have a driver’s license, ask what other types of identification will be accepted.

    Visit different banks and credit unions to find out what types of accounts they offer, and what types of ID numbers they accept.

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    The credit card company has the right to change the terms of your credit card agreement. For significant changes, the card issuer generally must give you notice 45 days in advance. 

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    Significant changes generally include increases in certain interest rates and fees, increases to the minimum amount due, or changes to the grace period or the way interest is calculated. You might not receive notice 45 days in advance  about changes to the benefits you get from your credit card, such as points or cash rewards, or changes in the brand (for example, changing from Visa to MasterCard or vice versa) because these changes are generally not considered to be significant.

    There are restrictions on what changes the card company can make. For example, card companies generally cannot increase the interest rate you pay on existing balances, except in certain circumstances. 

    For many changes, you have the right to opt out of the newly changed terms. However, if you opt out, the card company might close your account. If your account is closed, you do not have to pay the balance in full immediately after the account is closed, but you are still responsible for making payments until the balance is paid in full. Depending on the card company’s policies, your minimum payment may increase. The amount of the new payment cannot be more than the amount needed to pay the balance off in five years or double your prior minimum periodic payment, whichever is higher.

    Note: Closing your account may negatively affect your credit score because closing the account will lower the amount of available credit you have and increase the percentage of available credit you are using.

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    No, requesting your credit report does not hurt your credit score.

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    You can check your credit at no charge at annualcreditreport.com . You can review your credit report online for free once a week, from each of the three nationwide consumer reporting companies (Equifax, Experian, and TransUnion). You can request a copy of your credit report by mail once every 12 months from each of the three companies. And, until December 2026, you can use annualcreditreport.com to request as many as six free copies of your Equifax credit report during any twelve-month period.

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    What are the consequences of checking my credit report?

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    Checking your own credit report is not an inquiry about new credit, so it has no effect on your score. In fact, reviewing your credit report regularly can help you make sure the information the credit reporting companies share with lenders is accurate and up-to-date.

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    First, reach out to the company that sold the product or service to you. Explain the issue—for example, the product you received was defective or wasn’t what you ordered. Ask the company to refund the money or undo the charge.

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    The seller might fix the problem. If not, you have a few ways to proceed.

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    When should I dispute a charge for something I bought with my credit card?

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    Contact your credit card company to see whether you can dispute a charge. In some cases, the credit card company can reverse the charge. This is sometimes called a chargeback.

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    When should I claim a billing error for something I bought with my credit card?

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    Billing errors can happen for a number of reasons. It can be considered a billing error to be charged for a purchase when you did not receive what you ordered or did not accept delivery of the purchased items. You should send a notice about a billing error to your credit card company within 60 days of the charge appearing on your credit card statement. You can look up your credit card agreement to see if your company provides more details about handing billing errors.

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    When is it okay to refuse to pay the rest of the amount of my purchase?

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    If you’ve only paid part of the cost of a service or product purchased with a credit card—including through an option from your credit card to split your payments—you may have the right to not pay the remaining amount. In general, the requirements are:

    • You tried in good faith to resolve the issue with the seller
    • You made your purchase in your home state or within 100 miles of your home address
    • The price of the service or product was more than $50
    • You used your credit card—including the card’s own service for splitting your payments—to pay for the purchase
    • You have not yet fully paid for the product or service
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    If you purchased the item through a “buy now, pay later” service that is not offered by your credit card, your rights are different.

    If you’re having trouble with a credit card, you can submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372).

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-can-i-tell-a-credit-repair-scam-from-a-reputable-credit-counselor-en-1343/index.html b/www.consumerfinance.gov/ask-cfpb/how-can-i-tell-a-credit-repair-scam-from-a-reputable-credit-counselor-en-1343/index.html deleted file mode 100644 index 485b8ae5864..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/how-can-i-tell-a-credit-repair-scam-from-a-reputable-credit-counselor-en-1343/index.html +++ /dev/null @@ -1,1530 +0,0 @@ - - - - - - - How can I tell a credit repair scam from a reputable credit counselor? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    There are counselors who can help you with your credit report, and others who take your money but don’t help you. Warning signs for credit repair scams include companies that ask you to pay before providing services. The company may claim that it can guarantee a specific increase in your credit score or get rid of negative credit information in your credit report, even though the information is accurate and current.

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    Recognizing a credit repair scam

    Warning signs for credit repair scams include companies that ask you to pay before providing services. A credit repair scam company may also tell you it can guarantee a specific increase in your credit score or get rid of negative credit information in your credit report, even though the information is accurate and current.

    If you see ads or receive offers to repair or fix your credit, it could be a warning sign if the company:

    • Pressures you to pay up-front fees. The company wants you to pay before it provides any services. A simple rule to follow is “Don’t pay upfront.” Under the federal Credit Repair Organizations Act, credit repair companies can’t request or receive payment until they’ve completed the services they’ve promised. Some companies will structure monthly payment plans to try to avoid this requirement. You should know that all forms of upfront payment before services are completed are illegal.

      If the company is telemarketing, the federal Telemarketing Sales Rule may apply. When telemarketing, credit repair services must meet certain requirements before they can charge for their services. First, the company cannot request a fee until after the date that the company said it would provide the goods or services. Also, the company must give you a consumer report showing the results, and the report must be generated more than six months after the results were claimed to have been achieved. Only then can the company charge you fees or accept your payment. If a credit repair organization violates this law, you may have a right to sue.
    • Promises to remove negative information from your credit report. The company tells you it can get rid of negative credit information, even if that information is accurate and current. No one can do this.
    • Requests you dispute accurate information in your credit report. The company advises you to dispute all the information in your credit report, even if it is correct and timely.
    • Refuses or avoids explaining your rights to you. The company doesn’t tell you your rights and what you can do for yourself for free. Disputing errors in your credit reports is a free legal right available to you under the Fair Credit Reporting Act. You don’t need to pay a credit repair organization to do it for you. Also, if you have just signed up for a credit repair service, you have the right to cancel your contract with the company for any reason within three business days at no charge to you.
    • Tells you to not contact credit reporting companies. The company recommends that you don’t contact any of the nationwide credit reporting companies directly.

    Credit repair companies are subject to numerous federal laws, including the Credit Repair Organizations Act and often the Telemarketing Sales Rule, both of which forbid credit repair organizations from using deceptive practices and from accepting up-front fees. These laws prohibit many deceptive practices by credit repair organizations.

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    How do I find a reputable credit counselor?

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    Most credit counselors offer services through local offices, online, or on the telephone. You can find a list of approved credit counselors online.

    Once you've developed a list of potential counseling agencies, check them out with your State Attorney General’s office, and local consumer protection agency.

    Finally, ask the credit counseling agency for free information about their services and what they provide. A reputable credit counseling agency should be willing to send you free information about itself and the services it provides without requiring you to provide any details about your situation. If a service doesn’t do that, consider it a red flag and go elsewhere for help.

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    Can you repair credit yourself?

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    Use our sample letters, video , and answers to common questions to help with resolving problems. Turn to our online guides and tools for information on how to dispute inaccurate information on your credit reports along with ways to improve your credit scores.

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    If you're having trouble with credit reports and scores, you can submit a complaint with the CFPB.

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    - How do I dispute a charge on my credit card bill? -

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    To dispute a charge on your credit card bill, you should call the card company and let them know about the problem right away. 

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    To protect your rights you must also send a written billing error notice to the card company within 60 calendar days after the charge appeared on your statement. After receiving the notice, the company has 30 days to send you a letter confirming they received your billing dispute, unless they’ve completed required billing error resolution procedures within that time. Be sure to keep copies for your records. Write down the dates you make follow-up calls and keep this information together in a file.

    If you already paid the charge that you’re disputing, you can still dispute it. But you probably won’t get the money back until the credit card company has decided that you were right.

    If the card company finds you are correct, the charge must be removed from your bill. If the card company says that you are incorrect and the bill is correct, the card company must tell you why in writing. It must also tell you how much you owe and when your payment is due.

    Note: You may have to go through a different dispute process if you use a credit card to pay for goods or services that turn out to be defective.

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    - How do I dispute an error on my credit report? -

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    You have the right to dispute errors on your credit report. Fixing an error generally means contacting both the credit reporting company and the company that provided the information.

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    - How to dispute an error on your credit report -

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    - First, dispute the information with the credit reporting company or companies -

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    If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute. You can also use our instructions and template letter as a guide.

    If you mail a dispute, your dispute letter should include:

    • Contact information for you, including your complete name, address, and telephone number
    • Credit report confirmation number, if available
    • Each error you want fixed, including the account number for any account you may be disputing
    • Clear explanation of why you are disputing the information
    • Request that the information be removed or corrected
    • A copy of the portion of your credit report that contains the disputed items, with the disputed items circled or highlighted
    • Copies (not originals) of documents that support your position

    You can choose to send your dispute letter by certified mail and ask for a return receipt, so that you have a record that your letter was received.

    You can contact the nationwide credit reporting companies online, by mail, or by phone:

    Equifax

    Online: www.equifax.com/personal/credit-report-services/credit-dispute/

    By phone or mail: Call the phone number shown on your credit report or call (866) 349-5191. Visit www.equifax.com/personal/contact-us/ to find the current address you can mail your dispute to.

    Experian

    Online or by mail: www.experian.com/disputes/main.html to dispute online or get instructions for how to dispute by mail.

    By phone: Call the phone number shown on your credit report or call (888) 397-3742.

    TransUnion

    Online: dispute.transunion.com

    By mail or phone: Visit www.transunion.com/credit-disputes/dispute-your-credit/mail-or-phone for instructions on how to dispute by mail or phone, or call (800) 916-8800, Monday – Friday 8 a.m. 11 p.m. ET, Saturday and Sunday 8 a.m. – 5 p.m. ET to dispute over the phone.

    Keep copies of your dispute letter and the documents you send with it.

    The credit reporting company you sent the dispute letter to must investigate your dispute, forward the dispute and all relevant information you provided to the company that provided the information about you, and report the results back to you.

    A credit reporting company is not required to investigate disputes that it reasonably determines are frivolous or irrelevant, such as disputes that do not contain enough information for the CRA to investigate them (e.g., disputes that do not specify what information is being disputed).The company must send you a notice explaining that it has decided the dispute is frivolous and why it has made that determination and the notice must be sent within five business days after it made the decision.

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    - Then, dispute the information with the company that provided it to the credit reporting companies -

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    Credit reporting companies gather information about you from other companies called furnishers. Examples of furnishers include your bank, your landlord, and your credit card company.

    To dispute the information a furnisher provided to the credit reporting company, you can use our sample letter as a guide. Send disputes to furnishers in writing, using certified mail. Disputes can be sent to the furnisher’s address included on your consumer report or to an address specified by the furnisher for receiving credit reporting disputes. Furnishers generally must investigate and respond to your dispute within 30 days of when they receive the dispute.

    If the investigation shows the furnisher provided wrong information about you, or the information cannot be verified, the furnisher must update or remove the information and notify all the credit reporting companies after correcting it. Then, the credit reporting companies must update your credit reports.

    The furnisher might determine that the information about you is accurate and should not be updated or removed. In that case, you can contact the credit reporting companies again and ask them to include a statement explaining the dispute in your credit reports. The statement is then added to your file and provided to whomever requests your credit report in the future.

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    If you have a problem with your credit report, you can also submit a complaint with the CFPB.

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    - How do I get a debt collector to stop calling or contacting me? -

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    You have the right to tell a debt collector to stop contacting you. If you ask a debt collector to stop all contact – regardless of the communications channel – the collector must stop. Keep in mind, though, that you could still owe the debt.

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    If you don't want a debt collector to contact you again, write a letter to the debt collector saying so. We have sample letters that you can use to respond to a debt collector who is trying to collect a debt.

    The CFPB’s Debt Collection Rule requires debt collectors to provide certain information when they first communicate with you, or shortly after, which is often in a letter called a validation notice. The notice includes information about the debt and the debt collector, as well as a “tear-off” form with checkboxes you can fill out to dispute or request more information about the debt. If the debt collector provides a way for you to submit the letter electronically, you can do that instead of sending a letter by mail.

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    After I tell the debt collector to stop contacting me, what can I expect?

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    Once a debt collector receives your letter requesting they stop contacting you, they’re not allowed to communicate with you again except to:

    • Tell you there will be no further contact
    • Advise you that they or the creditor may take other actions they’re legally allowed to take, such as filing a lawsuit against you
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    Keep in mind that it’s important that you respond to the debt collector in writing, even if they provide the validation information over the phone or through email. If you’re disputing the debt, it’s also important to do it immediately, even before you insist that they stop contacting you.

    Debt collectors can still collect even if they can’t contact you

    Stopping communication with a debt collector doesn’t make the debt go away. In fact, they may find alternative ways to collect it from you. For example, they can file a lawsuit against you or report negative information to a credit reporting company, although that won’t always happen.

    If you believe you don’t owe the debt or it isn’t accurate, you can write to the debt collector to ask for their evidence. Once you notify the debt collector in writing that you dispute the debt, as long as it is within 30 days of receiving a validation notice, the debt collector must stop trying to collect the debt until they’ve provided you with verification in response to your dispute.

    You may also have questions about whether they are collecting a debt that isn’t yours or trying to collect an improper amount, and you can consider consulting an attorney that specializes in these types of cases to learn more about your rights and options.

    Learn more about what may happen if you ignore or avoid a debt collector.

    Keep good records of your communications with a debt collector

    If you’re being contacted by a debt collector, it’s important to keep a record of any letters, documents, or communications they send to you. Write down dates and times of conversations, along with notes about what you discussed. These records can help you if you’re disputing the debt, meeting with a lawyer, or going to court.

    If you send the debt collector a letter, make a copy and send the original to the debt collector. It’s also generally a good idea to send the letter by certified mail. If you pay for a "return receipt," that gives you proof the debt collector received your letter. You may also send the letter electronically. Just be sure to keep a copy.

    Also, be careful what you say to a debt collector because they keep records as well. They can track any information you provide, including personal information or if you apologize or admit to owing the debt. Those statements could be used against you.

    What to do if a debt collector is violating the law

    If the collector continues to contact you after receiving a written notice to stop or after you’ve told them you have a lawyer and have provided the lawyer’s contact information, they are likely violating the Fair Debt Collection Practices Act (FDCPA).

    You can sue the debt collector for violating the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorney's fees and might also have to pay you damages.

    Learn more about the laws that limit what a debt collector can say or do

    If you're having trouble with debt collection, you can submit a complaint with the CFPB.

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    - How do I get a free copy of my credit reports? -

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    You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.

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    Where can I get a credit report?

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    You can request and review your free report through one of the following ways:

    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

    You can request all three reports at once or you can order one report at a time. By requesting the reports separately (for example, one every four months) you can monitor your credit report throughout the year. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $14.50 for a credit report.

    You may be able to view free credit reports more frequently online. When you visit AnnualCreditReport.com , you may see steps to view your updated credit reports at no cost, online. This gives you a greater ability to monitor changes in your credit. If needed, you can also ask whether your credit report is available in your preferred language.

    You are also eligible for reports from specialty consumer reporting companies. We put together a list that includes several of these companies so you can see which ones might be important to you. You have to request the reports individually from each of these companies. Most of the companies in this list provide a report for free every 12 months. Other companies may charge you a fee for your report.

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    How can I get additional free credit reports?

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    You can get additional free reports if any of the following apply to you:

    • You received a notice that you were denied credit, insurance, or employment or experienced another “adverse action” based on a credit report. In this case, you have a right to a free report from the credit reporting company identified in the notice. To get the free report you must request it within 60 days after you receive the notice. Other types of “adverse action” notices you might receive include notice of an unfavorable change in the terms or amount of your credit or insurance coverage, or unfavorable changes in the terms of your employment or of a license or other government benefit.
    • You believe your file is inaccurate due to fraud.
    • You have requested a credit report from a nationwide credit reporting company in connection with placing of an initial fraud alert on your credit file (you may request two free copies for an extended fraud alert).
    • You are unemployed and intend to apply for employment within 60 days from the date of your request.
    • You are a recipient of public welfare assistance.
    • Your state law provides for a free credit report.
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    - How do I get and keep a good credit score? -

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    - There is no secret formula to building a strong credit score, but there are some guidelines that can help. -

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    - Pay your loans on time, every time -

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    Some helpful ways to make sure your payments are on time are to set up automatic payments or electronic reminders. If you’ve missed payments, get current and stay current. Most credit scores consider repayment history as the number one factor for building a strong credit score.

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    - Don’t get close to your credit limit -

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    Credit scoring models look at how close you are to being “maxed out,” so try to keep your balances low compared to your total credit limit. If you close some credit card accounts and put most or all of your credit card balances onto one card, it may hurt your credit score if this means that you are using a high percentage of your total credit limit. Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. You don’t need to carry a balance on credit cards to get a good score. In fact, you don’t need outstanding debt at all. Paying off the balance in full each month helps get you the best scores and keeps your interest costs as low as possible.

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    - A long credit history will help your score -

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    Credit scores are based largely on how you manage credit accounts over time. The more experience your credit report shows with paying your loans on time as agreed with your lenders, the more information there is to determine that you are a good credit recipient.

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    Credit scoring formulas look at your recent credit activity as a signal of your need for credit. If you apply for a lot of credit over a short period of time, it may appear to lenders that you are dealing with financial setbacks.

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    - Fact-check your credit reports -

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    If you spot suspected errors, dispute them. If you have old credit card accounts you are not using, keep an eye on them to make sure that an identity thief is not using them.

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    Tip: If you are new to credit, or need to improve your credit, consider getting a product designed to help you establish and build credit. Financial institutions have developed an array of products and services, such as secured credit cards and credit builder loans, tailored to helping consumers establish and build credit.

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    - How do I get my money back after I discover an unauthorized transaction or money missing from my bank account? -

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    Once you notify your bank or credit union about an unauthorized transaction (that is, a charge or withdrawal you didn’t make or allow), it generally has ten business days to investigate the issue. The bank or credit union must correct an error within one business day after determining that an error has occurred. Your bank or credit union then has three business days to report its findings to you.

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    If the unauthorized transaction was made using a debit card or other electronic fund transfer, you might have additional protections under federal law. Electronic fund transfers include ATM transactions, purchases using your debit card, some online bill payments, and payments you’ve set up to be deducted from your account automatically.

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    What if I lose my debit card?

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    Let’s say you lost your debit card or it was stolen. If you notify your bank or credit union within two business days of discovering the loss or theft of the card, the bank or credit union can’t hold you responsible for more than the amount of any unauthorized transactions or $50, whichever is less. If you notify your bank or credit union after two business days, you could be responsible for up to $500 in unauthorized transactions.

    Also, if your bank or credit union sends your statement that shows an unauthorized withdrawal, you should notify them within 60 days. If you wait longer, you could also have to pay the full amount of any transactions that occurred after the 60-day period and before you notify your bank or credit union. To hold you responsible for those transactions, your bank or credit union has to show that if you notified them before the end of the 60-day period, the transactions would not have occurred.

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    What if my security code or PIN to my debit card or bank account is stolen?

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    You should notify your bank or credit union within two business days of discovering the loss or theft of your security code or PIN. By reporting the theft within two business days, you’re protected from paying for transactions over $50 charged by someone who steals and uses your security code or PIN. Never write your PIN on your debit card or keep it written down in your wallet, in case your card or wallet is lost or stolen.

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    What if someone charges my account but I have my physical debit card?

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    If an unauthorized withdrawal appears on your bank statement, but you did not lose your card, security code, or PIN or had any of them stolen, you should notify your bank or credit union right away. At the latest, you must notify your bank within 60 days after your bank or credit union sends your statement showing the unauthorized transaction. If you wait longer, you could have to pay the full amount of any transactions that occurred after the 60-day period and before you notify your bank. To hold you responsible for those transactions, your bank would have to show that if you notified them before the end of the 60-day period, the transactions would not have occurred.

    In unusual circumstances, like lengthy travel or hospitalization that keeps you from notifying the bank within the time allowed, the notification periods above must be extended.

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    How do banks investigate unauthorized transactions and how long does it take to get my money back?

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    Once you notify your bank or credit union, it generally has ten business days to investigate the issue (20 business days if the account has been open less than 30 days). The bank or credit union must correct an error within one business day after determining that an error has occurred. Your bank or credit union then has three business days to report its findings to you. After that, you have the right to request the information it used to make their decision, and the bank or credit union has to send it to you promptly.

    If the bank or credit union can’t complete its investigation within ten (or 20) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of $50, while it continues to investigate.

    In some situations, however, your bank or credit union does not have to issue a temporary credit. For example, it can require you to provide written confirmation of the error if you initially provided the information by telephone. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during its investigation.

    The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved.

    If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account.

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    - How do I negotiate a settlement with a debt collector? -

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    When negotiating with a debt collector, you should confirm whether you owe the debt, calculate a realistic payment plan, and make a repayment proposal to the debt collector.

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    - How to negotiate a settlement with a debt collector -

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    If you’re thinking about negotiating a settlement or repayment agreement with a debt collector, consider the following three steps:

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    - 1. - Confirm that you owe the debt -

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    When debt collectors contact you, they must give you certain information about the debt they say you owe or they should provide it within five days of first communicating with you. Generally, debt collectors must provide this information in writing, either in the mail or electronically.

    This validation information can help you figure out if you owe the debt and will provide information on how to dispute it if you don’t. If you’re unsure who you owe money to or how much you owe, you can request the debt collector provide more information about the debt.

    Learn more about what information debt collectors are required to provide and how to dispute a debt

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    - 2. - Calculate a realistic repayment plan -

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    Once you confirm that you owe a debt, you can pay in full or propose a repayment plan to the debt collector. If you want to make a proposal to repay this debt, here are some questions you should ask yourself:

    How much can I realistically afford to pay each month?

    First, review your current financial obligations. Write down your monthly take-home pay and your monthly expenses , including the amount you want to repay each month. Try to allow some income left over to cover unexpected expenses and emergencies. Keep in mind that falling behind on other bills, even if you’re paying off this debt, could cause you more problems. If you’re struggling, a non-profit credit counselor can help you create a budget and work with the collectors.

    What is the total amount I’m willing to pay to settle the entire debt?

    This could be one payment or a series of smaller payments. Don’t pay more than you can afford. If you have more than one debt with a debt collector, you can direct the debt collector to apply your payments to a specific debt. Debt collectors are not allowed to apply a single payment for multiple debts that you’re disputing.

    Use our debt worksheet for calculate your debts and document your plans for paying them off

    Avoid companies that charge money in advance to settle your debts for you

    Dealing with debt settlement companies can be risky. Some debt settlement companies promise more than they can deliver. Certain creditors may also refuse to work with the debt settlement company you choose. In many cases, the debt settlement company won’t be able to settle the debt for you anyway.

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    - 3. - Make a repayment proposal to the debt collector -

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    Explain your plan

    When you talk to the debt collector, explain your financial situation. You may have more room to negotiate with a debt collector than you did with the original creditor. It can also help to work through a credit counselor or attorney.

    Record your agreement

    If you agree to a repayment or settlement plan, get the plan and the debt collector’s promises in writing before you make a payment. Those promises may include stopping collection efforts and ending or forgiving the debt once you have completed the plan.

    Know your rights

    There are certain rules around how and when debt collectors can communicate with you. The FDCPA prohibits debt collectors from placing repeated or continuous telephone calls or conversations with the intent to harass, oppress, or abuse you.

    If you’re having an issue with debt collection, you can submit a complaint with the CFPB.

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    You have the right to stop a company from taking automatic payments from your account, even if you previously allowed them. For example, you might decide to cancel a membership or monthly service, or you might want to switch to a different payment method.

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    - How to stop automatic debits from your account -

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    To stop automatic payments from your account, here are the steps you can take.

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    - Call and write the company -

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    Call the company and tell them you are taking away your permission for the company to take automatic payments out of your bank account. The company’s customer service should be able to help you, and there might be an online form you can use. Then, follow up by writing a letter or an e-mail. When you contact the company, you can explain whether you are canceling your ongoing contract or subscription, or only changing the way you are paying them. For example, you might cancel automatic payments and decide to pay invoices when they arrive. Click here for a sample letter.

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    - Call and write your bank or credit union -

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    Next, call your bank or credit union and say you have revoked authorization for the company to take automatic payments from your account. Customer service should be able to help you, and your bank or credit union might have a form for this online. Follow up by writing a letter or an e-mail. Click here for a sample letter.

    After you contact your bank and the company to clarify that you have revoked authorization from the company, any additional payments initiated by that company would be errors, and you can contact your bank for a refund.

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    - Your bank or credit union might use stop payment orders -

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    Some banks or credit unions might recommend you send them a stop payment order, too. A stop payment order is an instruction to your bank or credit union that tells them not to make a payment to a specified company from your account. Click here for a sample stop payment order.

    Banks and credit unions generally charge fees for stop payment orders.

    A good idea is to follow your bank’s or credit union’s suggested process, and keep close track of your requests and the dates you made them. That way, if something goes wrong and a payment goes through after you have given your instructions, you can work with the bank or credit union to refund your account.

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    Tell your bank or credit union right away if you see a payment that you did not allow or a payment that was made after you revoked authorization. Federal law gives you the right to dispute and get your money back for unauthorized transfers from your account, as long as you tell your bank in time. Click here for a sample letter.

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    To cancel an ongoing contract for a service, like cable or a gym, be sure to cancel your contract with the company as well as telling it to stop automatic payments. If you cancel an automatic payment on a loan, you still have to make payments on the loan using another payment method.

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    - How does my credit card company calculate the amount of interest I owe? -

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    Many credit card companies calculate the interest you owe daily, based on your average daily account balance.  

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    Often card companies charge one interest rate for purchases and different interest rates if you use your credit card to get cash, to write a check using your credit card account, or for other transactions. If your card has a grace period, you can avoid paying interest on purchases if you pay off your balance in full by the due date each month. 

    How does the daily interest calculation work?

    Many issuers calculate the interest you owe daily, based on the average daily balance. The interest charged daily is called the daily periodic rate. Since interest is accruing daily, not monthly, this means that if you don’t have a grace period, the sooner you pay off all or some of your balance, the less interest you will pay. 

    How do I know what APR applies to different types of balances? 

    Your statement must show each category with a different APR and the amount of the balance that falls in each category. If your card has a grace period , the grace period usually applies only to the category of new purchases and only if you were not already carrying a balance.  

    How do my payments affect the amount of interest I owe?

    If your card has a grace period, you can avoid paying interest on purchases if you pay off your card balance in full each month by the due date. When you pay less than the full balance but more than the minimum required, the card issuer must generally apply the amount you pay over the minimum first to the balance with the highest interest rate and any remaining portion to the other balances in descending order based on the applicable interest rate. It is generally up to the card issuer to decide to which balance it will apply the minimum amount portion of your total payment. 


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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/index.html b/www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/index.html deleted file mode 100644 index e85a8d4afe7..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/index.html +++ /dev/null @@ -1,1475 +0,0 @@ - - - - - - - How long can the card issuer take to resolve my credit card billing error dispute? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    The card issuer must send you a letter stating that it has received your billing dispute within 30 days of receiving it and complete its investigation within two complete billing cycles which generally means it cannot take longer than 90 days.

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    If you’ve noticed a billing error on your credit card statement and sent a written letter disputing the charge to your credit card company, they must acknowledge your dispute by sending you a billing error notice within 30 days of when they received your letter.

    They have two billing cycles – generally two months or 60 days – to investigate the error, but they can’t take more than 90 days. In the meantime, they’re not allowed to charge you interest on the amount being disputed.

    If the card issuer determines no billing error occurred, they must mail or deliver an explanation of the reasons why they’ve rejected your dispute.

    If the card issuer determines a billing error has occurred, then they must correct the billing error, credit your account with any disputed amount and any related finance or other charges, and send a correction notice to you.

    If you’re disputing part of a payment you’ve made for a faulty or defective product, you may have the right not to pay the remaining amount, but all of the following generally must be true:

    • You must have first tried in good faith to resolve the issue with the merchant who sold you the product or service.
    • You must have made your purchase in your home state or within 100 miles of your home address.
    • The price of the service or product must have been more than $50.
    • You must have used your credit card to pay for the purchase.
    • You must not yet have fully paid for the product or service.
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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-quickly-can-i-get-money-after-i-deposit-a-check-into-my-checking-account-what-is-a-deposit-hold-en-1023/index.html b/www.consumerfinance.gov/ask-cfpb/how-quickly-can-i-get-money-after-i-deposit-a-check-into-my-checking-account-what-is-a-deposit-hold-en-1023/index.html deleted file mode 100644 index 90f71bbf24d..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/how-quickly-can-i-get-money-after-i-deposit-a-check-into-my-checking-account-what-is-a-deposit-hold-en-1023/index.html +++ /dev/null @@ -1,1543 +0,0 @@ - - - - - - - How quickly can I get money after I deposit a check into my checking account? What is a deposit hold? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    - How quickly can I get money after I deposit a check into my checking account? What is a deposit hold? -

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    Each bank or credit union has its own rules as to when it will let you access money after you deposit a check, but federal law establishes the maximum length of time a bank or credit union can make you wait.

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    How quickly can I get money after I deposit a check?

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    Generally, if you deposit a check or checks for $200 or less in person to a bank employee, you can access the full amount the next business day. If you deposit checks totaling more than $200, you can access $200 the next business day, and the rest of the money the second business day.

    If your deposit is a certified check, a check from another account at your bank or credit union, or a check from the government, you can withdraw or use the full amount on the next business day if you make the deposit in person to a bank employee.

    If you make a check deposit at an ATM at your bank, you can withdraw or use the full amount on the second business day.

    Your bank or credit union has a cut-off time for what it considers the end of the business day. If you make a deposit after the cut-off time, the bank or credit union can treat your deposit as if it was made on the next business day. A bank or credit union’s cut-off time for receiving deposits can be no earlier than 2:00 p.m. at physical locations and no earlier than noon at an ATM or elsewhere.

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    What is a deposit hold?

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    The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a “deposit hold” or “check hold”. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee. If you need the money from a particular check, you can ask the teller when the funds will become available. A receipt showing your deposit does not mean that the money is available for you to use.

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    Why is it taking longer to see a deposit in a bank account?

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    It may take longer for you to access your deposit for a few reasons:

    • If you have a new account or if your account has been overdrawn too many times in the past six months;
    • If you make a deposit over $5,000;
    • If you make a deposit at an ATM owned by someone other than your bank or credit union; or
    • If the bank or credit union reasonably believes the deposited check may be uncollectible.
    • If you or your bank redeposit a check that has been returned unpaid
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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/index.html b/www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/index.html deleted file mode 100644 index c3c9e504b72..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/index.html +++ /dev/null @@ -1,1480 +0,0 @@ - - - - - - - I think I or someone I know was the victim of a scam or financial exploitation. Who can I contact for help? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    If you suspect a scam, there are a few important steps you should take right away.

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    1. Contact your local police or sheriff’s office to report the scam.
    2. Contact your state attorney general. Visit the National Association of Attorneys General website for the contact information of each state attorney general.
    3. If the victim is an older person or a person with a disability, contact your local adult protective services agency. You can find your state or local agency that receives and investigates reports of suspected elder financial exploitation by using the online Eldercare Locator or calling (800) 677-1116.

    If you or someone you care about is the victim of a fraud, scam or financial exploitation, you can report the fraud or scam to the Federal Trade Commission (FTC).

    Because all scams are different, you might have to reach out to a number of other local, state, and federal agencies depending on your situation. Learn more about common types of scams and where you can go for help.

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-want-to-close-my-credit-card-account-what-should-i-do-en-84/index.html b/www.consumerfinance.gov/ask-cfpb/i-want-to-close-my-credit-card-account-what-should-i-do-en-84/index.html deleted file mode 100644 index 0cdeab7a2a9..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/i-want-to-close-my-credit-card-account-what-should-i-do-en-84/index.html +++ /dev/null @@ -1,1480 +0,0 @@ - - - - - - - I want to close my credit card account. What should I do? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    In general, you should be able to close your account by calling the credit card company and following up with a written notice. If you still have a balance when you close your account, you are required to pay off any balance on schedule. The card company is allowed to charge interest on the amount you still owe.

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    Your cardholder agreement may give you any other details on how to close your account. You should be able to find a copy of the agreement on your card company’s website, and you can request a copy from your card company if it is not there. If you have any questions, you should contact your card company.

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-would-like-to-be-able-to-have-my-friend-or-family-member-help-with-my-bill-paying-and-banking-what-are-my-options-en-1145/index.html b/www.consumerfinance.gov/ask-cfpb/i-would-like-to-be-able-to-have-my-friend-or-family-member-help-with-my-bill-paying-and-banking-what-are-my-options-en-1145/index.html deleted file mode 100644 index bd542eb198a..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/i-would-like-to-be-able-to-have-my-friend-or-family-member-help-with-my-bill-paying-and-banking-what-are-my-options-en-1145/index.html +++ /dev/null @@ -1,1475 +0,0 @@ - - - - - - - Can a family member or friend help me with bill paying and banking? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    If you’d like a family member or friend to help you manage your money, you can explore options like opening a convenience bank account, adding trusted contacts to your accounts, or getting a power of attorney (POA).

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    Receive informal help with money management

    If you are still able to handle your banking and bill-paying but would like some help going through the bills and budgeting, a friend or family member can review your bills with you and help you figure out which ones to pay and when. Under this arrangement, you still sign your checks, and no one else is authorized to make account transactions.

    If you have no friends or family members to help you with informal money management, there are organized programs that provide trained staff members or volunteers to help. To locate a money management program in your area, try contacting your local Area Agency on Aging . You may also be able to find a money management program along with other resources for older Americans by contacting the Eldercare Locator at eldercare.acl.gov or by calling 1-800-677-1116.

    If you get help from a money management program, though, check on whether the program has insurance or bonding so your money is protected in a worst-case scenario, including mismanagement or theft by the person assisting you.

    Open a convenience account

    A “convenience account” or “agency account” enables you to designate a family member or friend to help you with depositing or withdrawing money and writing checks.

    A convenience account doesn’t change the ownership of the money in the account or give your helper the right to keep the money when you die. However, any friend or family member you designate to help you can both deposit and withdraw money from your account, which exposes you to the risk that they might withdraw your money for their own use.

    If you’re interested in a convenience or agency account, ask your bank

    Often bank employees don’t mention these options or know they exist. You may need to speak with a manager. Explain that you want an account in which the money remains yours but that someone else’s name will be on the account to help you with bill paying and other transactions. If you don’t intend for your money to become your helper’s money upon your death, be sure to say that you don’t want a joint account where the other person has the “right of survivorship.”

    Add a trusted contact person to your accounts

    Some banks may also offer the option to add a “trusted contact person” to your brokerage accounts. This allows your financial institution to contact the trusted person in certain circumstances, like if they believe you’re getting scammed. Trusted contacts don’t have access to your money – they simply get notified if the financial institution sees signs of financial exploitation. Learn more about how choosing a trusted contact person could help you safeguard your finances.

    Set up a power of attorney for finances

    You can also choose a friend or family member to act on your behalf by creating and signing a document called a power of attorney (POA) or “durable” power of attorney. If you have a POA, your bank account can remain in your name only, but the person you name as your power of attorney – or your “agent” – can help you with banking. If you or your agent shares a copy of the power of attorney document with bank employees, they should honor the document and allow your agent to handle your bank transactions on your behalf.

    Again, give considerable thought before granting anyone power of attorney, as they could withdraw money from your account without your permission.

    Considering a financial caregiver? Learn your options.

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    - If I pay off my credit card balance when it is due, is the company allowed to charge me interest for that month? -

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    When you carry a balance on your credit card, most card companies charge you interest from your billing date until the time they receive your payment.

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    Different credit card companies have different rules for when they charge interest. In general, once a credit card company starts to charge interest, it keeps charging interest until it receives your payment.

    Your cardholder agreement should tell you the rules for your credit card. You should be able to find a copy of the agreement on the credit card company’s website, or you can look it up by the company’s name. You can also request a copy from your credit card company.

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/index.html b/www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/index.html deleted file mode 100644 index d9e9377b9c9..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/index.html +++ /dev/null @@ -1,1485 +0,0 @@ - - - - - - - My credit application was denied because of my credit report. What can I do? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    If you were turned down for a loan or a line of credit, the lender is required to give you a list of the main reasons for its decision or a notice telling you how to get the main reasons.

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    First, find out what caused the lender to turn you down. If a lender rejects your application, it’s required under the Equal Credit Opportunity Act (ECOA)  to tell you the specific reasons your application was rejected or tell you that you have the right to learn the reasons if you ask within 60 days.

    If a lender rejects your application based on your credit report, the lender is also required to:

    • Provide you the numerical credit score it used in taking the adverse action and the key factors that affected your score
    • Give you the name, address, and telephone number of the credit reporting company that provided the report
    • Tell you about your right to get a free copy of your credit report from the credit reporting company that provided it within 60 days of your adverse action notice
    • Explain the process for fixing mistakes on your report or adding information to make your report more complete

    If you find information in your credit report that you believe is inaccurate, you can dispute what is in the report with the credit reporting company and the company that provided the information. The credit reporting company is required to conduct an investigation and correct any errors it finds. If after the investigation you still believe that the report is wrong, you generally have the right to have a statement added to the report stating that you dispute the information.

    If you were denied due to an “insufficient credit file”, you can use this checklist to learn how to build and keep good credit .

    It is illegal for a creditor to discriminate in any credit transaction, including mortgages, against any applicant because of:

    • Race
    • Color
    • Religion
    • National origin
    • Sex (gender)
    • Marital status
    • Age, unless the applicant is not legally able to enter into a contract
    • Receipt of income from any public assistance program
    • Exercising in good faith a right under the Consumer Credit Protection Act (such as disputing information in your credit report)

    If you feel you may have been discriminated against, learn more about your rights under ECOA.

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/should-i-trade-in-my-car-if-its-not-paid-off-en-2045/index.html b/www.consumerfinance.gov/ask-cfpb/should-i-trade-in-my-car-if-its-not-paid-off-en-2045/index.html deleted file mode 100644 index c360345d72e..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/should-i-trade-in-my-car-if-its-not-paid-off-en-2045/index.html +++ /dev/null @@ -1,1515 +0,0 @@ - - - - - - - Should I trade in my car if it’s not paid off? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    If you have a balance on your loan, find out how much you still owe and what the trade-in value is so you can decide whether to pay off your loan, wait before you buy again, or add your current amount to a new loan.

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    Trading in a car generally helps you reduce how much you’ll need to borrow when buying another vehicle, but if you have a balance on your current auto loan, you may be encouraged to roll your existing balance into a new loan, which will increase your total loan costs and the interest you’ll pay over the life of your loan.

    To make the best decision for you, find out the following information first:

    • Find out the “payoff amount” on your existing auto loan. This is the amount remaining on your existing loan, and it might be different from the outstanding balance listed on your statement or coupon book because of the way interest is calculated, any outstanding late fees or charges, or for another reason.
    • Research the potential trade-in or actual cash value of your current vehicle. You can find estimated trade-in values through Consumer Reports, Edmunds, Kelley Blue Book, and NADA Guides. You can also look at online classified ads for similar vehicles in your area. Like shopping for an auto loan, you can get trade-in estimates from multiple dealerships and negotiate your trade-in value to get the best price.

    If you owe less than your estimated trade-in value, make sure you fully repay your existing auto loan before getting a new loan. In some cases, there may be a prepayment penalty for paying off your loan early.

    If you owe more than your trade-in value – often referred to as “negative equity” – a dealer or lender may offer to roll the balance of your existing auto loan into a new auto loan, but this will make your new auto loan more expensive.

    With this information, you can better decide if you want to pay off your existing loan now, wait until you pay off your loan, or include the amount that you still owe on your current vehicle in your new auto loan.

    Ask these questions before getting a new auto loan

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    Rolling your existing auto loan balance into a new loan

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    If you move forward with trading in your vehicle and rolling your existing auto loan balance into a new loan, ensure your original loan has been completely paid off and you don’t have any outstanding payments:

    Dealers occasionally have vehicle trade-in offers, and if the dealer promises to pay off your negative equity, make sure it’s not included in your new financing or your final loan contract. Before finalizing a loan, read the contract carefully, and don’t sign anything until you understand and are comfortable with the terms.

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    Know before you shop

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    There are several important financial decisions to make before you shop for a car. Learn what questions to ask so you can make the best choice for you.

    What you need to know before you shop for a car or auto loan

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-are-specialty-consumer-reporting-agencies-and-what-kind-of-information-do-they-collect-en-1813/index.html b/www.consumerfinance.gov/ask-cfpb/what-are-specialty-consumer-reporting-agencies-and-what-kind-of-information-do-they-collect-en-1813/index.html deleted file mode 100644 index 11bf15847f5..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/what-are-specialty-consumer-reporting-agencies-and-what-kind-of-information-do-they-collect-en-1813/index.html +++ /dev/null @@ -1,1485 +0,0 @@ - - - - - - - What are specialty consumer reporting agencies and what kind of information do they collect? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    - What are specialty consumer reporting agencies and what kind of information do they collect? -

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    Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service.

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    The information specialty consumer reporting companies collect depends on the reporting company and its specialty industry.

    Reports may be compiled from your history of:

    You might not know these reports exist unless you run into a problem, such as not getting a job, lease, insurance, or checking account, or when a utility or cell phone company asks you to put down a deposit before starting service with you.

    Just like with the big three consumer reporting companies, you can get free copies of your reports every 12 months from many of the specialty consumer reporting companies. Other specialty consumer reporting companies may be able to charge you a fee for your report. Keep in mind that not every consumer reporting company will have information on everyone. You have to request the reports individually from each company.

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collector-contacts-me-about-a-debt-i-already-paid-or-dont-think-i-owe-en-1403/index.html b/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collector-contacts-me-about-a-debt-i-already-paid-or-dont-think-i-owe-en-1403/index.html deleted file mode 100644 index 3ce67bbdec3..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collector-contacts-me-about-a-debt-i-already-paid-or-dont-think-i-owe-en-1403/index.html +++ /dev/null @@ -1,1576 +0,0 @@ - - - - - - - What can I do if a debt collector contacts me about a debt I already paid or don't think I owe? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    - What can I do if a debt collector contacts me about a debt I already paid or don't think I owe? -

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    If you believe you already paid the debt, do not owe the debt, the amount is incorrect, or that it's not even your debt, you may send a written request to the debt collector to dispute the debt or receive more information.

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    If a debt collector contacts you about a debt you may or may not owe, don’t ignore or avoid a debt collector. Debt collectors are, in general, required by law to tell you certain information about the debt, and this information – also known as validation information or a validation notice – can help you learn more about the debt and dispute it if you don’t think that you owe it.

    Validation information must include:

    • The name of the creditor
    • The amount owed
    • That you can dispute the debt and that if you don’t dispute the debt within 30 days the debt collector will assume the debt is valid
    • That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt
    • That if you request the name and address of the original creditor within 30 days (if different from the current creditor), the debt collector will provide you that information.

    The CFPB also has sample letters to help you know how best to respond to a debt collector based on your situation. Note: The CFPB’s sample letters are not legal advice.

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    If you don’t think you owe the debt

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    Once you receive the validation information or notice from the debt collector during or after your initial communication with them, you have 30 days to dispute all or part of the debt, if you don’t believe that you owe it. If you receive a validation notice, the end date of the 30-day period will be specified.

    Once you’ve disputed the debt, the collector can’t call or contact you to collect the debt until they’ve responded with verification of the debt.

    You can also request that the debt collector give you the name and address of the original creditor, if different from the current creditor. If you make that request in writing within 30 days, the debt collector has to stop all debt collection activities until it provides you that information.

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    If you’ve already paid the debt

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    If a debt collector contacts you about a debt you’ve already paid, let them know that you paid the debt by providing confirmation of your payments – but make sure first that you’re confident it’s not a scam.

    If you’re sure that you’re talking with a legitimate debt collector, you can send copies of documents that prove you made the payments, including cancelled checks or credit card statements. You may also include copies of any correspondence about settling the debt. Don’t send original documents – only copies – so you can keep the originals as proof.

    If you don't have documentation of your payments or letters saying you've paid off the debt, you can contact the creditor who you originally paid to get this information.

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    Keep good records of your communications with a debt collector

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    It is a good idea to keep a file of all letters or documents a debt collector sends you and copies of anything you send to a debt collector. Also, write down dates and times of conversations, along with notes about what you discussed. These records can help you if you have a dispute with a debt collector, meet with a lawyer, or go to court.

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    Keep proof that you sent your dispute to the debt collector

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    If you dispute the debt, make a copy of your written dispute and send the original to the debt collector. It's also generally a good idea to send the dispute by certified mail. If you pay for a "return receipt," you'll have proof the debt collector received your mail.

    Learn more about what to do when a debt collector contacts you.

    If you're having trouble with debt collection, you can submit a complaint with the CFPB.

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/index.html b/www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/index.html deleted file mode 100644 index 1f9b924c48e..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/index.html +++ /dev/null @@ -1,1530 +0,0 @@ - - - - - - - What do I do if I’ve been a victim of identity theft? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    - What do I do if I’ve been a victim of identity theft? -

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    If you are a victim of identity theft, place fraud alerts or security freezes on your credit reports, file a report at IdentityTheft.gov, and take steps to protect your credit history and finances.

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    Closing accounts and contacting the police

    If you are currently dealing with identity theft, there are important steps you can take right away—including closing your accounts and reporting the identity theft to the police. Visit the Department of Justice and IdentityTheft.gov to learn more.

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    Protecting your credit

    Contact any one of these three nationwide credit reporting companies Equifax , Experian , or Transunion to place fraud alerts and security freezes on your credit reports:

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    OnlineBy callingBy mail

    Equifax Alerts

    (800) 685-1111

    Equifax Consumer Fraud Division,
    PO Box 740256,
    Atlanta, GA 30374

    Experian Fraud Center

    (888) 397-3742

    Experian,
    P.O. Box 9554,
    Allen, TX 75013

    Transunion Fraud Alert

    (888) 909-8872

    TransUnion Fraud Victim Assistance Department,
    P.O. Box 2000,
    Chester, PA 19016

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    Fraud alerts

    A fraud alert requires creditors, who check your credit report, to take steps to verify your identity before they open a new account, issue an additional card, or increase the credit limit on an existing account based on a consumer's request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others.

    There are two main types of fraud alerts: initial fraud alerts and extended alerts. Servicemembers also have the option of an active-duty alert.

    Initial fraud alerts

    You can place an initial fraud alert on your credit report if you believe you are, or are about to become, a victim of fraud or identity theft. Credit reporting companies will keep that alert on your file for one year. After one year, the initial fraud alert will expire and be removed. You have the option to place another fraud alert at that time.

    When you place an initial fraud alert, creditors must take reasonable steps to make sure the person making a new credit request in your name is you before granting that request. If you provide a telephone number, the creditor must call you or take reasonable steps to verify whether you are the person making the credit request before granting the credit.

    When you place an initial fraud alert on your file, you're entitled to order one free copy of your credit report from each of the nationwide credit reporting companies. These free reports do not count as your free annual report from each credit reporting company.

    Extended alerts

    If your identity has been stolen and you have filed an identity theft report at IdentityTheft.gov , you can place an extended alert on your credit report.

    An extended alert is good for seven years. If you have an extended alert, a creditor must contact you in person, on the telephone, or through another contact method you choose to verify if you are the person making the credit request before extending new credit.

    When you place an extended fraud alert on your file, you're entitled to order two free copies of your credit report from each nationwide credit reporting company over a 12- month period. Your name will also be removed for five years from the nationwide credit reporting companies' pre-screen marketing lists for credit offers and insurance.

    Active-duty alerts

    Servicemembers in the armed forces have an additional option available to them: active-duty alerts, which protect servicemembers while they are on active duty and assigned away from their usual duty station. This alert requires businesses to take reasonable steps to verify your identity before issuing credit in your name. These alerts last for 12 months, unless you request that the alert be removed sooner. If your deployment lasts longer than 12 months, you may place another alert on your credit file.

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    When you place an active-duty alert on your credit report, creditors must take reasonable steps to make sure the person making the request is you before they open an account, issue an additional credit card on an existing account, or increase the credit limit on your existing account. Your name will also be removed for two years from the nationwide credit reporting companies' pre-screen marketing lists for credit offers and insurance.

    Since it may be very difficult to contact you directly if you are deployed, you can assign a personal representative to answer for you, or to place or remove an active-duty alert.

    Security freezes

    Under federal law, you can freeze and unfreeze your credit record for free at the three nationwide credit reporting companies – Experian, TransUnion, and Equifax. A security freeze, also called a credit freeze, stops new creditors from accessing your credit file until you lift the freeze. The federal law requiring free security freezes does not apply to someone who requests your credit report for employment, tenant-screening, or insurance purposes.

    Unlike fraud alerts, if you place a security freeze with one credit reporting company, they will not notify the other credit reporting companies. You must contact each credit reporting company individually if you would like to place a security freeze with all three nationwide credit reporting companies.

    Because most businesses will not open credit accounts without checking your credit report, a freeze can stop identity thieves from opening new accounts in your name. Be mindful that a freeze doesn't prevent identity thieves from taking over existing accounts.

    Blocking or removing fraudulent information from your consumer report

    If you’ve been a victim of identity theft, you can also get credit reporting companies to remove fraudulent information and debts from your credit report, which is called blocking. To do this, you must send the credit reporting companies:

    • An identity theft report, which can be done through IdentityTheft.gov
    • Proof of your identity
    • A letter identifying the fraudulent debts and information on your credit report

    Through IdentityTheft.gov , you can also get a sample letter to send to the credit reporting companies. Remember that you can use identity theft reports only for debts that are the result of identity theft. Credit reporting companies may decline to block or rescind a block if you make a material misrepresentation of fact about being a victim of identity theft or if you got goods, services, or money as a result of the blocked transaction.

    Within four business days after receiving your request, the credit reporting company must block that information from your credit report. In addition, they must tell the companies that provided the information that someone stole your identity. Once notified, creditors can’t turn identity theft-related debts over to debt collectors.

    If you need to dispute a debt that is not the result of identity theft, read “How do I dispute an error on my credit report?”

    If you have a problem with credit reporting, you can submit a complaint to the CFPB.

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    - What happens if my car is repossessed? -

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    You have certain rights and protections if you’re at risk of or have had your car repossessed.

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    Losing a car to repossession can be financially and emotionally difficult. However, you do have certain rights and protections if your car has been repossessed because you were unable to make your car payments.

    Auto loan servicers must ensure that every repossession is lawful. If you believe your repossession is an error, contact your lender or servicer immediately, and if you’re not able to resolve it, you can submit a complaint and/or pursue a legal action in court.

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    Being notified before your car is repossessed

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    In many states, a lender can repossess a vehicle – without a warning or a court order – after you’ve missed payment, but other states require lenders or servicers to send you a notice before repossession, alerting you to what payments have been missed and allowing you time to make them up.

    If you’re an active-duty servicemember, the Servicemember Civil Relief Act (SCRA) prohibits repossessions without a court order for any auto loan contracts or agreements you entered into before your military service.

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    “Breaching the peace” during repossession

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    Under some state laws, a lender can’t repossess a vehicle unless they can do it without “breaching the peace,” which generally means:

    • Threatening or using physical force
    • Removing a vehicle from a closed garage without permission
    • Continuing with repossession after you have resisted or refused to allow the repossession

    If the lender commits a breach of the peace, you can contact law enforcement. A breach of the peace may also give you a claim for damages or a defense, which may lessen the amount you eventually owe after the sale of the vehicle.

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    Getting access to your belongings

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    It’s not unusual for people to have belongings stored in their cars when they’re repossessed. Contact your lender right away to arrange a time to retrieve your property.

    It is important to document what items you left in the vehicle and their estimated value. If the lender or repossessing company demands payment for return of your property, you should consult an attorney. In a public enforcement action, the Bureau found that an entity engaged in an unfair act or practice by withholding consumers’ personal property unless the consumers paid an upfront fee to recover the property. You can also file a complaint with your state attorney general or consumer protection office .

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    How a repossession affects your credit

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    Falling behind on car payments affects your credit, and this can make it harder or more expensive to get loans in the future. A repossession could also stay on your credit reports for up to seven years. Repossession can also mean paying higher insurance rates.

    If the repossession was in error, you can dispute it with the credit reporting companies to have it removed.

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    Catching up on your loan

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    In some states, laws grant you the right to pay to get your vehicle back after it’s been repossessed. These laws usually provide a time period when you can make up any overdue payments, as well as pay the additional costs associated with repossession. This process is referred to as curing or reinstating your loan.

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    Your rights if your vehicle is being sold

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    Even if you don’t live in a state with laws that allow you to cure or reinstate your loan, you have certain rights after your vehicle has been repossessed. You have the right to be notified before your vehicle is sold or kept as compensation for your debt. This gives you the opportunity to buy it back.

    For a public sale, your lender must notify you of the date, time, and place of the sale so you can have a chance to bid on the vehicle. For a private sale, the lender must notify you of the date when your vehicle could be sold. Regardless of whether it’s a public or private sale, you may be entitled to buy back the vehicle by paying the full loan amount, plus the repossession costs, before the sale. This is sometimes referred to as redemption.

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    Additional protections and costs around repossession

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    Even though you no longer have the vehicle, you may still be responsible for certain costs. Here’s what you need to know.

    Paying for repossession

    If your car has been repossessed, your lender generally charges a fee for picking it up. This fee, however, must be reasonable.

    What constitutes reasonable is generally determined by a court and depends on the type of vehicle taken, how it was taken, and where it was taken. You can ask your lender to provide a list of the repossession costs.

    Paying the deficiency balance or receiving the surplus

    If your vehicle is repossessed and sold, you may be responsible for paying the difference between the amount left on your loan, plus repossession fees, and the sale price. This is known as a “deficiency balance.” Similarly, if the car is sold for more than what you owe, you’re entitled to receive the surplus.

    Lenders must sell the car in a commercially reasonable manner, and it can be important for you to know how much it’s sold for. You can consult an attorney if you think the sale price in repossession was unreasonable.

    For example, if you owe $10,000 on the vehicle and your lender sells it for $7,500, you owe the deficiency of $2,500, plus any other fees for repossession. If you don’t pay the balance, the lender is allowed to hire a debt collector to collect it.

    Alternatively, in this example, if the car is sold for $12,000, you are entitled to receive the money above the amount you owe (after fees are paid).

    You could also have other rights under your state law, and you can find more information through your state attorney general and state consumer protection office or by consulting with a private attorney or your local legal services office.

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-a-debt-collector-and-why-are-they-contacting-me-en-330/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-a-debt-collector-and-why-are-they-contacting-me-en-330/index.html deleted file mode 100644 index c1ca9c2fbe1..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/what-is-a-debt-collector-and-why-are-they-contacting-me-en-330/index.html +++ /dev/null @@ -1,1542 +0,0 @@ - - - - - - - What is a debt collector and why are they contacting me? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    - What is a debt collector and why are they contacting me? -

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    A debt collector is generally a person or company that regularly collects debts owed to others or who has the primary purpose of collecting debts. They’re likely contacting you because they’re trying to reach a person who may owe a specific debt.

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    Debt collectors can include collection agencies or lawyers who collect debts as part of their business. There are also companies that buy past-due debts from creditors or other businesses and then try to collect them. These companies are also often called debt collection agencies, debt collection companies, or debt buyers.

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    Why is a debt collector calling me?

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    A debt collector may be trying to contact you because:

    • A creditor believes you are past due on a debt. Creditors may use their own in-house debt collectors or may refer or sell your debt to an outside debt collector.
    • A debt collector also may be calling you to locate someone you know, but the collector is not allowed to reveal that the consumer owes any debt.
    • A debt buyer has bought the debt and is now collecting that debt themselves or by using other debt collectors.

    If the debt collector is contacting you for payment on a debt, there is certain information they usually must give you in the initial communication or within five days of that initial communication.

    If you don’t believe you owe the debt or believe the amount is wrong, you can dispute it with the debt collector and the credit reporting company, if the debt appears on your credit report. If you dispute the debt in writing within 30 days of receiving the required information about the debt from the collector, then the debt collector must send you verification of the debt. You can also ask the debt collector for additional information.

    Learn more about what to do if a debt collector contacts you

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    Getting a debt collector to stop calling you

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    You can ask a debt collector to stop contacting you. Asking them to stop contacting you will not necessarily stop them from suing you or reporting the debt to a credit reporting company, which can affect your credit report and credit scores. If you don’t owe the debt or have already paid the debt, it is important to take action to contest the attempt to collect the debt.

    If you're having issues with debt collection, you can submit a complaint with the CFPB

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    - What is an unfair, deceptive or abusive practice by a debt collector? -

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    Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt.

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    The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including:

    • Misrepresenting the nature of the debt, including the amount owed
    • Falsely claiming that the person contacting you is an attorney
    • Threatening to have you arrested
    • Threatening to do things that can’t legally be done or threatening to do things that the debt collector has no intention of doing.
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    Examples of unfair practices

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    Here are a few examples of what the FDCPA would consider a prohibited practice used to collect on a debt. Debt collectors are not allowed to:

    • Try to collect charges in addition to the debt unless they are allowed by the contract or law
    • Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the person’s social media contacts
    • Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies
    • Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt collector’s address or business name that doesn’t indicate it’s in the debt collection business
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    Examples of false or deceptive statements

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    Debt collectors are not allowed to falsely claim or imply that:

    • They are attorneys or government representatives
    • You have committed a crime by not paying a debt
    • They operate or work for a credit reporting company
    • You will be arrested or imprisoned if you don’t pay
    • They will garnish or seize your wages, bank account, or property
    • Documents that they send you are legal documents if they aren’t
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    Examples of harassment by a debt collector

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    A debt collector is also not allowed to harass, oppress, or abuse you or anyone else they contact. This includes repetitious phone calls with the intent to harass, use of obscene or profane language, and threats of violence or harm.

    Learn more about what’s considered an abusive practice

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    What to do if you think a debt collector violated the law

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    If you believe a debt collector is using an unfair, deceptive or abusive practice to collect a debt, you can submit a complaint with the CFPB and the Federal Trade Commission .

    There are also state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices. You can report the incidents to your state's attorney general .

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    When moving your checking account to a new bank or credit union, open the new account first and update any automatic transactions, direct deposit, or payment paperwork.

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    If you decide to move your checking account to another bank or credit union, follow these steps for a smooth transition:

    1. Open the new account first.
    2. Make a list of all the automatic deposits and withdrawals scheduled to go in and out of your old account each month. Be sure to include any bills you have authorized to be paid directly from your checking account, such as utility or credit card payments.
    3. If you have direct deposit, fill out the forms directing your employer to reroute your paychecks to your new account. Do the same for any other direct deposit, such as Social Security payments.
    4. Find out when your direct deposits will transfer. Once you know the date of the first direct deposit, arrange for your automatic debits and withdrawals to be made from your new account and be sure to cancel them from your old account.
    5. Leave enough money in your old checking account to cover any checks that haven’t cleared or automatic payments that haven’t been made to avoid any fees.
    6. Once you’re certain all direct deposits and automatic payments are coming into and going out of your new account, transfer the remaining funds from your old checking account into your new account. You can do this fastest electronically or by using a cashier’s check. Using a personal check may be cheaper than using a cashier’s check, but there may be a longer wait before it is available in your new account.
    7. Once the transfer clears your new account, close the old account. Get written confirmation from your old bank or credit union that the account has been closed.
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    Your credit reports and your credit scores are two different things. A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Your credit scores are calculated based on the information in your credit report.

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    Your credit score, as well as the information on your credit report, are important for determining whether you’ll be able to get a mortgage, credit card, auto loan, or other credit product, and the rate you’ll pay. Your credit scores are calculated based on the information in your credit report.

    You have many different credit scores, and there are many ways to get a credit score. Your score can differ depending on which credit reporting agency provided the information, the scoring model, the type of loan product, and even the day when it was calculated. Higher scores reflect a better loan paying history and make you eligible for lower interest rates.

    Errors on your credit report can reduce your score artificially - which could mean a higher interest rate and less money in your pocket - so it is important to check your credit report and correct any errors well before you apply for a loan.

    You have many different credit scores infographic

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    The difference between a fixed APR and a variable APR, is that a fixed APR does not fluctuate with changes to an index. A variable-rate APR, or variable APR, changes with the index interest rate.

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    A fixed-rate APR or fixed APR sets an APR that does not fluctuate with changes to an index. This does not mean that the interest rate will never change, but the issuer generally must notify you before the change occurs, and in most circumstances can apply the higher rate only to purchases and other transactions you make after you get the notice.

    A variable-rate APR or variable APR changes with the index interest rate, such as the prime rate published in the Wall Street Journal. The cardholder agreement will say how a card’s APR can change over time.

    You should be able to find a copy of the agreement on your card issuer’s website, and you can request a copy from your card issuer if it is not there. If you have any questions, you should contact your card issuer.

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    Credit counseling organizations are usually nonprofits that advise and educate you on managing your money and debts. Debt settlement companies, debt consolidation lenders, and credit repair companies are typically for-profit companies that promise to fix your credit and debts and charge you money for taking actions you can do yourself for free.

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    Credit counseling

    Credit counseling organizations are usually nonprofit organizations that advise you on managing your money and debts. They usually offer free educational materials and workshops. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

    Credit counselors can work with you to set up a debt management plan (also called a payment plan) for all your debts. They can’t erase your debts. Under a debt management plan, you make a single payment to the credit counseling organization each month or pay period. The credit counseling organization then makes monthly payments to your creditors. Credit counseling organizations are permitted to charge you fees for their services.

    Under debt management plans, credit counselors do not always negotiate reductions in the amounts you owe. Instead, they work to lower your overall monthly payment. They might get the creditor to lengthen the time you have to repay a loan. They might also get the creditor to lower the interest rates. The arrangement usually does not affect your taxes.

    How do I recognize a credit counselor?

    • Usually works for a nonprofit organization
    • Advises you on managing your money and debts
    • Helps you set a up budget for your repayments
    • Sets up a payment plan with your creditors, including getting the creditors to agree not to pursue collection efforts or charge late fees while on the plan
    • Works to lower your overall monthly payment, rather than trying to negotiate reductions in the amounts you owe
    • Never advises you to stop paying your debt

    Debt settlement

    Debt settlement companies offer to remove your debts to lenders or debt collectors for a fee. They typically offer to pay off your debts with lump sum payments that you have to save up before a settlement. Under the law, money you save up in an account for use by a debt settlement company still belongs to you. The account must be administered by an independent third party and must be under your control. You are entitled to withdraw funds held in that account at any time without penalty. In practice, many debt settlement companies collect money from you and consider it fees you paid to them, instead of money they should be using to settle your debts.

    Before you start working with a debt settlement company

    • Many lenders do not negotiate with debt settlement companies.
    • Many lenders and debt collectors do not negotiate a settlement amount for your individual situation—instead, they have standard policies about how much loan principal can be forgiven when you haven't made payments for a certain amount of time.
    • Debt settlement companies usually can't get better terms than you could get by negotiating with your lenders and debt collectors yourself.
    • Debt settlement companies cannot guarantee the amount of money or percentage of debt that you might save by using their services, and they cannot guarantee how long the process takes.
    • Debt settlement companies cannot erase all your debts.

    How do I recognize a debt settlement company?

    • Usually a for-profit company that charges a fee for their services
    • Offers to arrange settlements of your debts with lenders or debt collectors
    • Generally has no up-front agreements with lenders
    • Typically offers to pay off your debts with a lump sum payment
    • Usually advises you to stop paying your creditors until a debt settlement is negotiated with creditors, even though this can mean fees and interest charges keep adding up, your credit is further damaged, and you are left open to more debt collection efforts and lawsuits
    • Tries to get some of your debts forgiven, which could mean you owe taxes on the amount forgiven

    Beware of debt settlement companies that charge upfront fees. A debt settlement company could be breaking laws if they charge you a fee before three things happen:

    1. A successful result is reached. The debt settlement company must have renegotiated, settled, reduced, or otherwise changed the terms of at least one of your debts.
    2. An agreement is made between you and the creditor or debt collector. You must agree to the settlement agreement, debt management plan, or other result reached by the debt settlement company with your creditor or debt collector.
    3. You have made a payment to the creditor. You must have made at least one payment to the creditor or debt collector as a result of the agreement negotiated by the debt settlement company.

    If you simply cannot afford to pay what you owe, you could consider filing for bankruptcy. Consult a bankruptcy attorney to find out more about how this process works.

    Debt consolidation lenders

    Debt consolidation loans can be offered by banks, credit unions, and other lenders. A debt consolidation loan is money you borrow to repay all your separate loans and pay back just one amount. You pay back the debt consolidation loan over time. This simplifies the number of payments you have to make. The debt consolidation loan might have a lower interest rate than what you’re paying on your debts.

    Before you take out a debt consolidation loan

    • Keep in mind that a low interest rate could be a “teaser rate” that applies only for a limited time.
    • After the teaser rate expires, your payments could go up because your lender can increase the interest rate.
    • Although your monthly debt payment might be lower, it could be because you’re paying over a longer time.
    • Taking the loan’s length of time, fees, and costs into account, overall you might pay more for the convenience of a consolidated loan than you would have had to pay for your original debt payments.

    Credit repair

    Credit repair companies make promises to fix your credit or improve your scores, typically by doing things you can do yourself for free. They often use advertising and social media promotions. They operate usually by noting negative items on your credit report and then sending disputes to consumer reporting companies, including the three nationwide credit reporting companies (Equifax, Experian, and TransUnion). The reporting company has an obligation to contact the creditor to verify the negative item. If the creditor does not respond within 30 days, the information is removed from your credit report.

    There is a catch, however. If the reporting company decides that the dispute is “frivolous,” it does not have to investigate. This can happen if the reporting company gets multiple requests or requests that seem formulaic, which sometimes fits the profile of a credit repair company.

    The only time you should dispute information is when it’s inaccurate. But credit repair companies typically dispute accurate items on your report, too. This could mean accurate items disappear temporarily while the credit reporting company verifies the information. After the item is verified, it reappears on your credit report. Your credit scores could change—and then change back—because of these actions.

    Negative items that are accurate remain on your credit report for the appointed timeline. Negative information such as collections, charge-offs, judgments, and accounts reported late during the loan’s term remain on the credit report for seven years from the last activity or first delinquency date. Items are removed from the credit report once the seven years are up.

    Before you start working with a credit repair company

    • Keep in mind that there are no shortcuts to achieving a strong credit history or high credit scores.
    • Consumer reporting companies, including the three nationwide credit reporting companies, remove negative items on your reports once they are found to be inaccurate or incomplete, or if they cannot be verified—whether the negative items are disputed by you or a credit repair company.
    • You can dispute mistakes in your credit reports yourself, for free.
    • Errors on your reports can be investigated and resolved, but credit repair companies cannot legally get information removed if it is accurate and timely.

    How do I recognize a credit repair company?

    • Usually a for-profit company that charges a fee for their services
    • Often promises a quick increase in your credit scores
    • Offers to remove negative items from your consumer reports, including credit reports generated by the three nationwide reporting companies (Experian, Equifax, and TransUnion)
    • Often charges a monthly fee, which they justify by disputing the same negative items on your credit reports over and over

    Beware of monthly subscription fees. Many credit repair companies use telemarketing to sell their services. By law, a credit repair company that signed you up for services through telemarketing is not allowed to send you a bill or receive payment until two things happen:

    1. The timeframe ends when they told you they would provide you their services. This means they cannot charge you an upfront fee or ongoing monthly service fee, so sometimes the company calls it a “subscription fee” instead.
    2. They have sent you a report from a consumer reporting company. The report must show that they achieved the promised results, and it must be created six months after the results were achieved.
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    - What are the different ways to buy or finance a car or vehicle? -

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    The most common ways to get an auto loan are through your car dealer or a bank or credit union. Learn the differences and how to compare offers to get the best loan.

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    Most buyers need to get an auto loan to pay for a car or vehicle. While it may be convenient to get a loan through your dealership, it’s not your only option – and you’ll generally get better interest rates and loan terms by comparing offers between different lenders.

    At this stage, it’s important to:

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    Different sources for auto loan financing

    Dealer-arranged financing

    The car shopping process often begins at the dealership. If you need an auto loan, a dealer may offer to arrange financing for you. This is also called indirect auto financing because the dealer is between you and the lender.

    What to consider
    Once you’ve agreed to buy a car through that dealership, the salesperson will refer you to their finance and insurance department, where they’ll collect your information and forward it to one or more prospective auto loan lenders, which could include banks, credit unions, and nonbank auto finance companies. If a lender agrees to finance your loan, they’ll provide a quote to the dealer, which is known as a “buy rate.” Interest rates through a dealer are generally higher because the rate they offer you is their “buy rate” plus additional interest that compensates them for handling your financing.

    Most dealers will generally reach out to roughly five lenders and then choose one loan to present to you. You can ask if there were other offers and whether those had lower interest rates or better terms.

    Bank or credit union

    You can also go directly through a bank or credit union to finance your car or auto loan. You don’t have to work with the financial institution you bank with or are a member of, so it’s possible to shop around for different interest rates and loan terms. This tends to be the cheaper option because you avoid paying the additional markup to the dealer.

    What to consider
    The first step is to get preapproved by a bank or other lender. This will give you a loan quote, which will include an interest rate, loan length, and maximum loan amount based on a number of factors, including creditworthiness and terms of the loan. This quote allows you to shop around and compare different offers, including with what a dealer may provide.

    Buy Here, Pay Here dealership financing

    There are other types of dealers known as “Buy Here, Pay Here” where they finance loans to borrowers with no or poor credit histories. They may also advertise, “No Credit, No Problem.”

    What to consider
    The interest rate at these types of dealerships tends to be higher. You may want to consider whether the cost of the loan – including the costs you’ll pay over the life of the loan – outweighs the benefits of the vehicle.

    Even without a strong credit score or history, it may be worth checking with a bank or credit union to see if you could get a loan with better terms.

    Use our auto loan worksheet to compare financing offered by different lenders

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    Check and compare auto loan interest rates

    Regardless of who finances your auto loan, they’ll present you with a proposed interest rate – or how much you’ll pay each year to borrow money – and an APR – or the cost you’ll pay each year in interest as well as fees charged by the lender. Both are expressed as percentages and serve as important measures of the price you’ll pay for financing your auto loan.

    You can check and compare auto loan interest rates by getting quotes from different banks and credit unions. You can also research interest rates through online consumer marketplaces or comparison sites, but be aware that your information may be sent to prospective lenders.

    Learn how a lender decides what interest rate to offer you.

    Understanding how loan shopping impacts your credit
    Shopping early for interest rates allows you to comparison shop so you can get the best rate. This generally has a limited impact on your credit, unless you’re applying for multiple loans over a long period of time. When lenders check your credit, it’s a credit inquiry. If credit inquiries take place within 14 and 45 days, they’re considered one credit inquiry, and they won’t impact your credit.

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    Know your rights

    The Equal Credit Opportunity Act makes it illegal for lenders to consider a number of factors – including race, color, religion, sex, marital status – when deciding whether to offer you a loan or what the terms of that loan will be.

    Before you agree to a loan with a lender, they’re also required to provide you with written disclosures that list all of the important terms you’ll be legally bound to pay. These Truth-in-Lending or TILA disclosures provide important information on the costs you’ll pay over the life of the loan, including:

    • Annual Percentage Rate
    • Finance Charge
    • Amount Financed
    • Total of Payments
    • Total Sale Price

    If you have a problem with a financial product or service, you can submit a complaint with the CFPB.

    Learn more about auto loans

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    - What laws limit what debt collectors can say or do? -

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    The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act (FCRA) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices.

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    What is The Fair Debt Collection Practices Act (FDCPA)?

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    The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

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    The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesn’t cover business debts, and it also doesn’t generally cover collection by the original creditor or business you owed money to.

    Under the FDCPA, debt collectors can include collection agencies, debt buyers, and lawyers. Any FDCPA-covered debt collector who contacts you about a debt is required to tell you certain information about it.

    Limits on how debt collectors can communicate with you about a debt

    • Time and place. Generally, debt collectors may not contact you at an unusual time or place, or at a time or place they know or should know is inconvenient to you. They are generally prohibited from contacting you before 8 a.m. or after 9 p.m. Also, if a debt collector knows or has reason to know that you're not allowed to receive personal communications at work, they’re not allowed to contact you there. If they call you when it’s inconvenient for you to speak with them, you can tell them that and they’re required to terminate the call.
    • Social media and other electronic communications. A debt collector may not use social media to publicly post about a debt that they claim you owe. However, they can contact you privately on social media, unless you request that they not contact you that way. If the debt collector communicates with you using an email address, telephone text number or other electronic medium, they must offer you a reasonable and simple method for you to opt out.
    • Harassment. Debt collectors may not harass you or anyone else over the phone or through any other form of contact, including text or email.
    • Representation by attorney. If a debt collector knows that an attorney is representing you about the debt, the debt collector generally must stop contacting you and must contact the attorney instead. This is only true if the debt collector knows, or can easily find out, the name and contact information of your attorney. If an attorney is representing you and a debt collector calls, give them your attorney’s name and contact information and tell them that they should contact your attorney directly, instead of you. It’s also a good idea to keep all documents sent by a debt collector and write down dates and times of conversations, along with notes about what you discussed. These records can help you if you meet with a lawyer or go to court.

    Learn how to get a debt collector to stop contacting you.

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    What is The Fair Credit Reporting Act?

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    The federal Fair Credit Reporting Act covers how financial matters, including debts, can be reported in your credit report.

    For example, if a debt collector provides or furnishes information to a consumer reporting companies that you believe is inaccurate, you have the right to dispute that information and the credit reporting companies must:

    • Note on your credit report that you are disputing the information
    • Investigate your dispute
    • Forward all documents you provide in support of your dispute to the company that provided that information
    • Report the results back to you

    Learn how to dispute an error on your credit report

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    What regulations do states place on debt collectors?

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    Most states have laws about debt collection practices, many of which are similar to the FDCPA. Some of those state laws cover the original creditor, while others don't. States also have unfair and deceptive acts and practices laws that may apply to debt collection. Contact your state attorney general's office to learn more about the laws in your state.

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    If you're having an issue with debt collection, you can submit a complaint with the CFPB.

    Learn more about debt collection.

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    - What may happen if I ignore or avoid a debt collector? -

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    There are federal protections to prohibit harassment or abusive communications by a debt collector. Ignoring or avoiding a debt collector, though, is unlikely to make the debt collector stop contacting you. They may find other ways to contact you, including filing a lawsuit.

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    While being contacted by a debt collector might feel overwhelming, talking with them can help you get more information about the debt. Ignoring or avoiding the debt collector is also unlikely to make them stop contacting you, and they may use other methods to try to collect the debt, including filing a lawsuit against you.

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    What to do when a debt collector contacts you

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    There’s certain information that debt collectors are generally required to provide to help you determine whether or not the debt is yours and to inform you how you can dispute the debt, if you don’t believe you owe it or the amount is incorrect. If they refuse to provide this information, it’s a warning sign that it may be a scam.

    Learn more about what you should do if a debt collector contacts you

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    How to respond if a debt collector sues you

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    If you ignore a debt collector’s attempts to contact you and they file a lawsuit to collect the debt, it’s important to take it seriously. Not responding to a properly served lawsuit – even if you’re unsure whether you owe the debt – can result in the court issuing a judgment against you, which could limit your ability to dispute the debt, even if it’s already been paid or you don’t owe it.

    Learn what to do if you’re sued by a debt collector

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    - What should I do if I can’t make my car payments? -

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    If you’re having problems making payments on an auto loan or lease, contact your lender or servicer as soon as possible to ask what options are available to you.

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    If you’re experiencing financial difficulties, it may be difficult to know where to start, but there may be a number of options to help you address short or longer-term financial challenges. You also have rights and protections if you’re at risk of having your car or vehicle repossessed.

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    How to get your auto loan back on track

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    • Contact your lender or servicer as soon as possible. As soon as you know you’re unable to make your monthly payment, contact your lender or servicer – whoever you make your payments to – to find out the options available to you, which may include affordable payment plans, changing your due date, or pausing your payments through forbearance. Learn how to find your lender or servicer
    • Get the agreement in writing. To avoid miscommunications, get the agreement with your lender or servicer in writing. You also want to ask how this new agreement would impact your credit report. If you’re told it won’t have an impact but it then appears on your credit reports, a written agreement provides evidence you can use to dispute the error with the lender or the credit reporting companies.
    • Refinance your auto loan. You can also talk with different lenders about refinancing your existing loan to get a lower interest rate or to spread out your payments over more time. Keep in mind, though, a longer loan term may mean cheaper monthly payments but more interest over the life of your loan. Learn what questions to ask when shopping for an auto loan.
    • Sell your vehicle. Another option is to sell your vehicle, but first, find out how much you owe on the auto loan and the approximate market value of your vehicle. If you owe less than the value of the vehicle, you can sell it and use the proceeds to pay off the loan. Check your auto loan contract to also see if you have a prepayment penalty for paying off early. In some cases, your lender may also be willing to buy back your vehicle.
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    How to get your auto lease back on track

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    • Contact your lessor as soon as possible. The dealership or company you leased your vehicle through – your lessor – may be willing to work with you on an affordable payment plan, especially if you have made timely payments in the past. If you do reach an agreement, get it in writing in case you need to dispute it later.
    • “Cure” or reinstate your lease. Within your contract or under state law, you might have the right to “cure” or reinstate your lease after missing a payment. If you have this protection, you have the right to make up missed payments before your car is repossessed. You would generally receive a notice after a missed payment and have one to two weeks to make it up. If it’s not in your contract, check with your state attorney general or consumer protection office as to whether it’s a protection under state law. Some states also allow you to reinstate your lease after your vehicle is repossessed, but this is rare.
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    Knowing your rights and protections around repossession

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    If you’re not able to make your payments and you haven’t been able to work out an alternative with the lender or loan servicer, you could be at risk of having your vehicle repossessed. In some cases, lenders can repossess vehicles without warning or court order after you’ve missed a payment.

    Losing a car to repossession can be financially and emotionally difficult, but it’s important to know that you have certain rights and protections. Auto loan servicers also need to ensure that every repossession is lawful.

    If you experience issues with a lender or servicer or your car has been repossessed in error, contact your lender or servicer immediately, and if you’re not able to resolve it, you can submit a complaint and/or pursue a legal action in court.

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-because-of-a-tenant-screening-report-en-2105/index.html b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-because-of-a-tenant-screening-report-en-2105/index.html deleted file mode 100644 index 1d6c7f6d03a..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-because-of-a-tenant-screening-report-en-2105/index.html +++ /dev/null @@ -1,1498 +0,0 @@ - - - - - - - What should I do if my rental application is denied because of a tenant screening report? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    Under federal law, a landlord who denies your tenant application because of information in a tenant screening report is required to inform you of that fact.

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    The Fair Credit Reporting Act provides you with rights as a rental applicant and as a tenant. This federal law requires a landlord who rejects or denies your tenant application because of information in a tenant screening report to notify you about the rejection. The notification is called an adverse action notice, and it must:

    • Be given in writing, orally, or electronically
    • Provide the name, address, and phone number of the company that provided the report
    • Explain your right to a free copy of the report, if you request it within 60 days of the adverse action
    • Explain your right to dispute inaccurate information

    An adverse action not only includes being denied a rental. It could also include:

    • Requiring a co-signer on the rental agreement or lease
    • Requiring a larger deposit or a higher rent payment than other applicants

    Right to dispute errors on your reports

    You have the right to dispute errors on your tenant screening report and have them corrected if the information is inaccurate or outdated. The tenant screening or credit reporting company generally has 30 days to investigate your dispute, though in some cases they have 45 days. Some states impose shorter deadlines.

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    What steps should I take if my rental application is denied?

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    If you’re denied a rental because of information on a tenant screening report, you can:

    • Ask the landlord what information in the report was a problem, to see if you can explain the situation
    • Ask the landlord for a copy of the tenant screening report, or request a copy of the report from the company the landlord used -- the landlord is required to give you the name, address, and phone number of the company
    • Review your tenant screening report, check for inaccurate or outdated information, and dispute any errors

    If your tenant screening report contains a credit report from one of the nationwide credit reporting companies, you can dispute that error with the credit reporting company, or the company that provided the erroneous information, or both.

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    What can I do if my housing rights were violated?

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    If you believe that your rights have been violated, you may want to contact a lawyer. You may be able to sue for violations of the federal Fair Credit Reporting Act and state law violations. If you sue under this federal law and win, you may be able to recover damages and your attorney fees. Statutes of limitation or deadlines for bringing a lawsuit apply.

    Housing discrimination can take many forms . For example, a landlord who refuses to rent to anyone with a criminal history may be in violation of the Fair Housing Act. If you think a landlord discriminated against you by denying your rental application or by evicting you because of your race, color, national origin (country of origin or ancestry), religion, sex (including sexual orientation or gender identity), familial status (families with children or pregnancy), or disability, you can file a complaint with the Department of Housing and Urban Development .

    If you have a problem with credit or consumer reporting, such as tenant screening, you can submit a complaint online or by calling (855) 411-CFPB (2372).

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    If a debt collector contacts you, use the opportunity to find out about the debt, which will help determine if they’re legitimate and if you really owe it.

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    When a debt collector first contacts you about a debt, they are, in general, legally required to provide you with certain information about the debt during that initial communication or within five days of the initial communication. This validation information includes the name of the creditor, the amount you owe, and how to dispute the debt. If the debt collector doesn’t or can’t provide this information, it could be a scam. Never give sensitive financial information to the caller, at least not until you’ve confirmed they’re legitimate.

    Also, if the debt collector is collecting a valid debt, avoiding or ignoring their call usually won’t make them go away – they may instead find other ways to collect the money from you, including by filing a lawsuit. A debt collector can also help you understand if the debt is yours and what your options are, even if you can’t pay right now.

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    Communicating with debt collectors

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    In addition to using the validation information to follow up with the debt collector, you can use these sample letters to communicate with them:

    If you use any of these letters, it’s important to do so as soon as possible after the debt collector first contacts you, and to keep copies of any letters you send and any other communications. In certain situations, you only have 30 days after you’re contacted to ask for certain information, but even if more than 30 days pass, it’s still a good idea to ask for what you need. Note: These sample letters are not legal advice.

    If it is not your debt or you already paid it, providing documentation can also help your dispute. Ask the debt collector for any evidence they have that indicates you are the correct debtor and what they are relying on to calculate the amount due. You can also notify the debt collector in writing to stop communicating with you.

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    You have protections against harassment

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    While talking with a debt collector can be helpful, it’s also important to know that you have protections against repetitious, excessive and threatening communications. Under the Fair Debt Collection Practices Act, debt collectors violate the law when they harass, oppress, or abuse you.

    For example, if the debt collector is calling you at an inconvenient time or place, you have the right to ask the debt collector to call you at a more convenient time or place you specify.

    Learn more about the laws that limit what debt collectors can say or do

    If you're having an issue with debt collection, you can submit a complaint with the CFPB.

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    - What should I know before I finalize a car or auto loan? -

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    Once you’ve finished negotiating with your lender or dealer, make sure to review all aspects of your loan agreement before you sign your paperwork and drive off the lot.

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    If you’ve shopped around for the right car and auto loan and negotiated the details with your lender or dealer, you’re at the point of closing the deal. Before you sign on the dotted line and drive off the lot, here are a few important things to know:

    The federal Truth in Lending Act (TILA) requires lenders to provide you with written disclosures with all of the important details of your loan terms fully filled out before you sign the paperwork. Note: while TILA disclosures are typically presented to you just before you sign your loan contract, you can insist on receiving them earlier so you have time to review. You can also take those forms home with you to compare with other offers or to fully consider your options.

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    Check everything to ensure it’s what you agreed to

    Under TILA, lenders must provide specific information that helps to ensure your loan terms align with what you agreed to. The form must include:

    • Annual Percentage Rate (APR) – This is the cost you’ll pay each year to borrow money, which is your interest rate plus fees. Similar to an interest rate, it’s written as a percentage.
    • Finance Charges – The total amount of interest and certain fees that you’ll pay over the life of your loan, if you make every payment when it’s due.
    • Amount Financed – The amount of money you’re borrowing.
    • Total of Payments – The sum of all of the payments you’ll have made by the end of your loan.
    • Total Sale Price – The total cost of your purchase on credit, taking into consideration your down payment.

    The TILA disclosures will also include other important terms such as the number of payments, the monthly payment, late fees, whether you can prepay your loan without a penalty, and other important terms.

    Take time to review each detail of your contract. If you don’t understand any aspect of your loan, ask questions. And if you’re not comfortable with any aspect or process, walk away. No one can pressure you into a loan or vehicle you’re not comfortable with.

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    Finish your paperwork

    Before you leave the lot, make sure you’ve finished all of the paperwork:

    • All of the blanks have been filled in – some by you but most by the dealer
    • The paperwork has been signed by you and the dealer
    • You’ve received copies of all of your documents

    If the dealer asks you to sign a blank or partially filled in form, you should decline. Also, you may receive printed or electronic copies of your documents. If you receive them electronically, make sure they’re in a format that’s easy to access and can be saved or printed.

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    Watch for these details after you drive away

    After you’ve taken out a car loan, you should receive an introductory message from your lender. These communications will include information on where to send your payments and when they’re due.

    Make sure your monthly payments are on time in order to avoid late fees or possible repossession, as well as negative impacts on your credit score.

    Also – if you’re a servicemember, learn more about your special protections when paying back your auto loan and lease.

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    - What should I know before I shop for a car or auto loan? -

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    By making several important financial decisions before you shop for a car, you can ensure you’re getting the best interest rates and loan terms for your budget.

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    There are several important questions to ask before you purchase a car or vehicle:

    By answering these questions, you’ll make an informed choice before entering into a new auto loan.

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    How much can I afford?

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    It’s often tempting when shopping for a car to calculate a monthly payment by simply looking at the price of the vehicle, but this doesn’t take into account other factors that impact your monthly payments and what you’ll pay over the life of your loan.

    Factors that impact your monthly and overall loan costs:

    • Interest rate and APR
    • Taxes and fees
    • Optional add-ons and features
    • Auto insurance and ongoing maintenance costs

    While you can negotiate many of these items with your lender or dealer, they still play a significant role in your loan terms and the overall cost of borrowing money.

    Factors that may reduce your monthly and overall loan costs:

    • Saving for a larger down payment
    • Buying a less expensive vehicle
    • Getting fewer add-ons, features, or options

    Use our auto loan worksheet to compare costs and create a budget

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    How will my credit impact my interest rate?

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    Your credit report and scores are some of the most important factors in determining the rates a lender will offer you for an auto loan. In general, the lower your credit score, the more likely you’ll receive a higher interest rate, which would cost you more over the life of your loan.

    Every 12 months, you’re entitled to a free credit report from each of the three nationwide credit reporting companies – Equifax, Experian, and TransUnion – as well as many of the specialty credit reporting companies, and until the end of 2026, you can get an additional six free credit reports every 12 months from Equifax. Before shopping, review your credit reports to spot and dispute any errors or inaccuracies that may be impacting your credit score and preventing you from getting the best interest rates possible.

    Also, keep in mind that getting multiple credit checks from lenders can impact your credit score. While it’s important to get loan comparisons, keep these credit inquiries within 14 to 45 days of each other so they’re counted as only one inquiry. If you’re working through a dealer, they may reach out to roughly five potential lenders with your credit information, so you want to aim to keep the car-buying process to a few weeks.

    Learn how to get and keep a good credit score

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    Do I want or need a co-signer?

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    A co-signer is a person who would also sign onto your loan, contractually obligating them to pay it back if you’re unable to. If you have a limited or poor credit history, a co-signer with good or excellent credit could significantly lower your interest rate because the lender will use their credit history and score when calculating your rate.

    Keep in mind that co-signing a loan can be a significant obligation. If you’re considering asking a parent, friend, or family member to co-sign, it’s important to have a conversation beforehand about what happens if you’re unable to make your payments.

    In general, a lender or creditor can’t require you to have a co-signer, even a spouse, unless you’re applying for joint credit.

    Learn whether you’ll need a co-signer to finance your loan

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    How much is my trade-in worth?

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    If you have a car or vehicle you’ll be trading in, you can research its approximate value using a number of reputable third-party websites, including Consumer Reports, Edmunds, Kelley Blue Book and NADA Guides.

    Once you know how much its worth, you can consider using it as a trade-in – where you and your dealer negotiate the value that will be credited to your purchase of another car – or sell it yourself and use the money as a down payment. Both options decrease the amount you’ll need to borrow, so your decision to do a trade-in vs. selling it yourself should depend on which option offers you the greatest savings.

    Learn what happens if you still owe money on your trade-in or if you owe more than what your car is worth.

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    - What things can I negotiate when shopping for a car or auto loan? -

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    When getting an auto loan, negotiating certain terms and features, including interest rates and add-ons, can save you hundreds or even thousands of dollars.

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    In addition to the price of the vehicle, there are the terms and costs of the auto loan that you may be able to negotiate or control. Together, these amounts can impact your monthly payments and lower your total costs, which could allow you to save a significant amount over the life of the loan.

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    What auto loan features and add-ons you can negotiate

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    Annual Percentage Rate (APR) and interest rate

    Getting a lower interest rate and APR means you will pay less to borrow money and the amount you’ll pay over the life of your loan will be lower. Lenders base your interest rate and APR on a number of different factors, but to get the lowest APR and interest rate, compare quotes from multiple lenders before you go into the dealership.

    For example, getting preapproved by a bank or credit union allows you to show other lenders or your potential dealership the rates you’ve been offered, with the goal of getting competitive offers.

    Length of the loan

    A shorter loan term, where you make a fewer number of monthly payments, will reduce your loan cost overall. While a longer loan can reduce your monthly payment, you’ll end up paying more interest over the life of your loan.

    A longer loan also puts you at risk of having negative equity for a longer period of time, meaning you owe more than the vehicle is worth. For example, if you try to sell or trade-in your car before it’s paid off, you’d still owe money on your loan. The risk of negative equity also depends, in part, on the resale value of used vehicles, which can fluctuate.

    Prepayment penalty

    If you have a prepayment penalty in your loan terms, you’ll be charged a fee or penalty if you were to pay off the loan early. Ask your lender or dealer if your loan has a prepayment penalty, and if so, you can negotiate to have it removed.

    Optional add-on products

    Add-on products and services are optional. You’re not required to purchase them, but if you choose to, the price is negotiable.

    This may include physical features – such as alarm systems, window tinting, and tire or wheel protection – but it can also include:

    Keep in mind that if you agree to include add-on features or credit products in your auto loan, it’ll increase both your monthly payments and the total amount you’ll need to borrow and pay back.

    Vehicle trade-in value

    If you’re looking at trading in your current vehicle, a good first step is to get an approximate value for your trade-in by using online resources, including Consumer Reports, Edmunds, Kelley Blue Book and NADA Guides. Again, the market for used vehicle, which can fluctuate, can also impact your trade-in value. Compare the value you’d get at different dealers vs. selling it to another person directly and putting that money towards a down payment on a new car.

    If you have an outstanding balance on your vehicle, understand how much more you’ll need to pay in order for your old loan be paid off. A dealer may offer to “roll in” the balance of your old loan, but beware that this adds costs to your new loan. Learn what you need to do if you owe more on an auto loan than what your car is worth.

    Additional fees associated with purchasing a vehicle or your loan

    This may include fees charged by the dealer, such as preparation fees, origination fees, document fees, delivery charges, and market adjustments or fees that increase the price over MSRP.

    What you can’t negotiate

    You can’t negotiate taxes, title, or registration fees set by your local and state government.

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    Other factors that affect the amount you’ll borrow

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    • Down payment – The larger the down payment, the less you need to pay back. In fact, increasing your down payment may also decrease your interest rate.
    • Manufacturer incentives – Manufacturers offer special deals to advertise certain vehicle models, such as cash rebates or special financing offers, but make sure to read the fine print because these offers may not be available to everyone.
    • Car insurance – While auto insurance is separate of your loan, it’s something that should factor into what you’re paying each month for your car. All lenders require that you have insurance, and if you don’t, they may take out “force-placed” insurance, which is more expensive than what you can get on your own.
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    How to look at your total loan costs vs. monthly payments

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    Many people think about a loan in terms of their monthly payment. Instead, the total cost of the loan matters. For example, if you reduce your monthly payment by taking out a longer loan, you will pay more in interest over the life of your loan.

    In a sample $20,000 car loan with a 4.75 percent interest rate, you’d pay $597 a month and $1,498 in total interest with a three-year loan term. With a six-year car loan, you’d pay $320 a month and $3,024 in total interest.

    Sample loan amount: $20,000. Interest rate: 4.75%.
    The numbers have been rounded to the nearest dollar.

    When thinking about your overall financial costs and monthly expenses, it’s also important to keep in mind the monthly cost of insurance as well as the routine and unexpected.

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    How to keep track of multiple factors when negotiating

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    Because there are several factors to keep track of as you’re negotiating the best auto loan for your new car or vehicle, you want to make sure you’re writing down or capturing the key details in order to better compare and negotiate.

    You may also want to negotiate some of the details separately in order to get the best price. For example, while a dealer may quote you the value of your trade in, you may get a better interest rate and loan terms through a bank or credit union.

    When talking with any dealer or lender, ask them to provide:

    • Trade-in value of your current vehicle (if applicable)
    • Interest rate
    • Term of the loan
    • Estimated monthly payment

    It’s important to get these numbers early in the process. The first quote you receive – whether from a dealership or a bank or credit union – may not be the lowest rate you qualify for. When negotiating, you can also ask for a better rate or more favorable terms.

    Download our auto loan worksheet to help track your auto loan details so you can better compare and negotiate.

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    There are laws to prohibit debt collectors from placing repeated or continuous telephone calls to annoy, abuse, or harass you or others who share your phone number. They’re also prohibited from communicating with you at times or places that are inconvenient for you.

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    When can a debt collector call me?

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    Generally, debt collectors can’t call you at an unusual time or place, or at a time or place they know is inconvenient to you. They are generally prohibited from contacting you before 8 a.m. or after 9 p.m. The law also requires debt collectors to follow instructions you give them about when and where you don’t want to be contacted.

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    If you don’t want to receive calls from a debt collector at a particular time or place, such as on the weekends or at work, you should tell the debt collector. If they’re aware you don’t want or are not allowed to receive personal calls at work, for example, they’re not allowed to contact you there.

    You have a right to ask a debt collector to stop contacting you.

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    How often can debt collectors call me?

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    The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from placing repeated or continuous telephone calls to you or having telephone conversations with you with the intent to annoy, abuse, or harass you. “Placing a telephone call” includes telephone calls that the debt collector makes and that go into voicemail.

    In addition, the Debt Collection Rule creates certain “presumptions” to help determine whether debt collectors have violated this law. The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt:

    • More than seven times within a seven-day period, or
    • Within seven days after engaging in a telephone conversation with you about the particular debt.
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    Factors such as the frequency and pattern of phone calls and voicemails may also be used to assess whether a debt collector complied with or violated the law. For example, if the debt collector placed seven calls to you about a debt within a seven-day period, but all seven calls were made on the same day, they could be violating the law. There may be some exceptions to this, including if you gave them consent to call more frequently.

    The limits generally apply per debt but in the case of student loan debt – depending on the facts – multiple debts could be counted together as one “particular debt,” so the limits would apply to those debts as a group.

    Keep in mind that these presumptions only apply to telephone calls placed by the debt collector to you and don’t apply to other forms of communication, including text messages, emails, in-person interactions, or social media messages, which have other protections.

    For more information about repeated or continuous telephone calls or telephone conversations, review the Debt Collection Rule FAQs or see Section 7.1 in the Debt Collection Small Entity Compliance Guide . Your state laws may also provide additional protections, and you can check with your state attorney general’s office for more information.

    If you're having an issue with debt collection, you can submit a complaint with the CFPB.

    Learn what to do when a debt collector contacts you.

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    - - \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/when-can-my-credit-card-company-increase-my-interest-rate-what-can-i-do-to-get-the-rate-back-down-en-69/index.html b/www.consumerfinance.gov/ask-cfpb/when-can-my-credit-card-company-increase-my-interest-rate-what-can-i-do-to-get-the-rate-back-down-en-69/index.html deleted file mode 100644 index bae4fa7bf4d..00000000000 --- a/www.consumerfinance.gov/ask-cfpb/when-can-my-credit-card-company-increase-my-interest-rate-what-can-i-do-to-get-the-rate-back-down-en-69/index.html +++ /dev/null @@ -1,1480 +0,0 @@ - - - - - - - When can my credit card company increase my interest rate? | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    Credit card companies can usually increase your interest rate if they give you 45 days of advanced notice, but there may be steps you can take to lower your credit card interest rate.

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    Your card issuer generally must give you 45 days of advanced notice before it raises your credit card interest rate for new purchases you make with that card. Card companies are generally restricted from raising the interest rate for your existing balance, but there are certain exceptions.

    Interest rate changes for new credit card purchases

    A credit card company is generally not permitted to increase your interest rate on new transactions during the first year of your credit card account.

    After that initial year, they’re required to provide 45 days of notice before an interest rate change, and any purchases you make with the card more than 14 days after the advanced notice are considered new transactions.

    Interest rate changes for an existing credit card balance

    A card company is not permitted to increase your interest rate on your existing purchases, except under the following circumstances:

    • A temporary rate – such as a low rate on a balance transfer – expires. That temporary rate must last for at least 6 months.
    • You have a variable interest rate and the index to which your rate is tied (for example, the U.S. Prime Rate) has increased.
    • Your minimum payment has not been received within 60 days after the due date.
    • You successfully complete or fail to comply with the terms of an arrangement with your card issuer to lower your interest rate. · Your protections under the Servicemembers Civil Relief Act (SCRA), if applicable, expire.

    Lowering your credit card interest rate

    If your credit card company increased your interest rate after giving you a 45-day advanced notice, it generally must review and re-evaluate the interest rate for your account at least every six months.

    The card issuer may – and in some circumstances must – compare the rate you’re being charged with the rate the card issuer would charge you today if you applied for a new card. If your rate is higher than what you would be charged as a new customer, the card issuer must reduce your rate. However, this rate will not necessarily be as low as your original rate.

    If your rate increased because of certain factors, including being late on a payment, the card issuer may consider whether the factors that led the increase still apply.

    For example, you may also be able to lower your interest rate by consistently making your payments on time. If your rate increased because you were more than 60 days late in making a payment, the card issuer must reinstate your old interest rate if you make six consecutive on-time payments of your minimum balance after the effective date of the increase.

    Contact your card issuer if you believe your interest rate was increased in error.

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    - When I went to use my credit card the store told me the charge was not "authorized". What does that mean? What can I do? -

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    If a charge is not authorized, it usually means that there is a problem with the account or that you are at, near, or over your credit limit.

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    Usually, when you use your credit card at a store the merchant obtains authorization from the card issuer. This authorization tells the merchant that your account is valid and that sufficient credit is available to cover the purchase.

    However, sometimes the merchant is unable to connect with your card issuer because of a technological glitch. You should call the card issuer to find out the reason the charge was not authorized.

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    - Why did I get a low credit limit on a credit card? -

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    There are a variety of reasons you may have been offered a credit card with a low credit limit. To understand why, you can examine your credit report or, in some circumstances, request more information about the decision from the lender.

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    Credit card companies usually determine your credit limit only after you’ve applied for a credit card. To make this assessment, they generally review your credit report and history as well as the income information you provided on your application.

    If you’re issued a credit card with a low credit limit, it could be for a number of reasons, including:

    • Poor credit history
    • High balances with other credit cards
    • Low income
    • Small credit limit for that specific card

    There are some circumstances in which it is possible to find out more about the factors that went into that determination, including:

    • If you were turned down for one card and offered a different card with different terms that you do not expressly accept, the credit card company has to tell you the reasons it denied your application. If the credit card company says you can apply for a different card with different terms than the card you applied for, the card issuer must provide key disclosures about the new offer on or with the application.
    • If a card issuer decreases your credit limit on an existing card, the credit card company generally must give you an “adverse action notice.” While card issuers can increase or decrease your credit limit without giving you notice, this adverse action notice must provide specific reasons for the action taken or allow you to request a statement of specific reasons.

    In order to better understand the factors related to your financial situation that may have contributed to your low credit limit offer, you can examine your credit report. You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian, and TransUnion).

    Learn more about credit line decreases

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    - Why was I denied a checking account? -

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    You may have been unable to open a checking account because a checking account reporting company has negative information in its files about your checking history.

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    Why would there be negative information associated with my past checking account?

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    You may have negative information in your file if you had a checking account before and you:

    • Have an unpaid negative balance on that account, such as from an overdraft, that you have not repaid and the account was closed by the bank or credit union (this is called an “involuntary closure”).
    • Were suspected of fraud or have a history of writing bad checks.
    • Had a joint account with someone else who had these types of problems.
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    Banks and credit unions supply this type of information to checking account reporting companies, such as Chex Systems and Early Warning Services. These companies use the information to create reports of an individual’s checking account history. Banks and credit unions use these reports to help determine whether to offer you a checking account and the type of checking account to offer you. (Retailers may use a similar report to decide if they will accept your checks.)

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    How do checking account reporting companies know the information they have is accurate?

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    Checking account reporting companies must comply with the federal Fair Credit Reporting Act (FCRA). This means they must make sure information in the reports is as accurate as possible, and they can’t include most negative information that’s more than seven years old. In practice, some checking account reporting companies disregard information that is more than five years old.

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    How can I find out what’s in my checking account report?

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    Nationwide checking account reporting companies must provide you with one free annual report per year, upon request. You have to request the reports individually from each reporting company. We’ve put together a list of some of these checking account reporting companies , along with some information about how you can obtain copies of your reports.

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    You also have the right to request a free report if you have received an “adverse action” notice. For example, let’s say a bank turns you down for a checking account based on a checking account report. This is an example of an “adverse action”. The bank must provide you with an “adverse action” notice that includes the name and contact information of the checking account reporting agency from which the bank got the report. You can contact the reporting company and request a free copy of the report.

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    How can I investigate and correct errors in my checking account report?

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    If you find an error in your checking account report, contact the company to dispute it in writing. All checking account reporting companies must investigate consumers’ disputes of inaccurate information on their reports and correct any inaccurate information. Banks and credit unions that report information to checking account reporting companies also have an obligation to investigate and correct disputed information. Click here for sample letters you can use to dispute credit information.

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    Here are some steps you can take if you’ve been denied a checking account:

    Get a copy of your checking account report and review it for any errors

    Ask the bank or credit union to provide you with the name of the checking account reporting company that provided the negative information. Contact the company to obtain a free copy of your report and review it for any errors. If you spot any errors, file a dispute.

    Check your other credit reports. Some banks and credit unions will use your traditional credit reports in addition to—or instead of—a checking account report, to decide whether to give you a checking account. Get more information about requesting copies of your credit reports.

    Find out if the bank or credit union has steps you can take to open an account, or offers lower-risk accounts

    If not, consider trying another financial institution. Each bank or credit union has its own policies about the way the information in your checking account report impacts your ability to open an account. Some banks and credit unions require you to pay any old, unpaid charges and fees before you are allowed to open a new account. Many banks and credit unions offer checking accounts and prepaid cards that are designed to reduce risks for both you and financial institutions by preventing overdraft and overdraft fees. Because these products are considered less risky, many banks and credit unions may be less reliant on checking account reports when making a decision about a potential customer. As a result, you may be able to qualify for one of these products even if you were recently denied for another product.

    For more information, see our consumer guides on choosing and managing checking accounts:

    You might also consider getting a prepaid card.

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    How we share complaint data

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    Each week we send thousands of consumer complaints about financial products and services to companies for response. Data from those complaints helps us understand the financial marketplace and protect consumers.

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    Ways we use complaint data

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    • We forward each complaint to the appropriate company for a response.
    • We share complaint data with state and federal agencies. We also present reports to Congress.
    • We analyze complaint data to help with our work to supervise companies, enforce federal consumer financial laws, and write better rules and regulations.
    • We publish complaints in the Consumer Complaint Database (without information that directly identifies you).
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    What we publish in the Consumer Complaint Database

    Complaints must meet all of the publication criteria in our policy statement , narrative data policy statement , and narrative scrubbing standard .

    Types of complaint data we publish

    We publish complaints after the company responds or after 15 days, whichever comes first.

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    Field nameDescription
    Date received

    The date the CFPB received the complaint. For example, “05/25/2013.”

    Product

    The type of product the consumer identified in the complaint. For example, “Checking or savings account” or “Student loan.”

    Sub-product

    The type of sub-product the consumer identified in the complaint. For example, “Checking account” or “Private student loan.”

    Issue

    The issue the consumer identified in the complaint. For example, “Managing an account” or “Struggling to repay your loan.”

    Sub-issue

    The sub-issue the consumer identified in the complaint. For example, “Deposits and withdrawals” or “Problem lowering your monthly payments.”

    Consumer complaint narrative

    Consumer complaint narrative is the consumer-submitted description of “what happened” from the complaint. Consumers must opt-in to share their narrative. We will not publish the narrative unless the consumer consents, and consumers can opt-out at any time. The CFPB takes reasonable steps to scrub personal information from each complaint that could be used to identify the consumer.

    Company public response

    The company’s optional, public-facing response to a consumer’s complaint. Companies can choose to select a response from a pre-set list of options that will be posted on the public database. For example, “Company believes complaint is the result of an isolated error.”

    Company

    The complaint is about this company. For example, “ABC Bank.”

    State

    The state of the mailing address provided by the consumer.

    ZIP code

    The mailing ZIP code provided by the consumer. This field may: i) include the first five digits of a ZIP code; ii) include the first three digits of a ZIP code (if the consumer consented to publication of their complaint narrative); or iii) be blank (if ZIP codes have been submitted with non-numeric values, if there are less than 20,000 people in a given ZIP code, or if the complaint has an address outside of the United States).

    Tags

    Data that supports easier searching and sorting of complaints submitted by or on behalf of consumers.

    For example, complaints where the submitter reports the age of the consumer as 62 years or older are tagged “Older American.” Complaints submitted by or on behalf of a servicemember or the spouse or dependent of a servicemember are tagged “Servicemember.” Servicemember includes anyone who is active duty, National Guard, or Reservist, as well as anyone who previously served and is a veteran or retiree.

    Consumer consent provided?

    Identifies whether the consumer opted in to publish their complaint narrative. We do not publish the narrative unless the consumer consents, and consumers can opt-out at any time.

    Submitted via

    How the complaint was submitted to the CFPB. For example, “Web” or “Phone.”

    Date sent to company

    The date the CFPB sent the complaint to the company.

    Company response to consumer

    This is how the company responded. For example, “Closed with explanation.”

    Timely response?

    Whether the company gave a timely response. For example, “Yes” or “No.”

    Consumer disputed?

    Whether the consumer disputed the company’s response.

    Complaint ID

    The unique identification number for a complaint.

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    We only share narratives with the consumer’s consent

    A consumer complaint narrative is the consumer-submitted description of “what happened” from the complaint. Consumers must opt-in to share their narrative. We will not publish the narrative unless the consumer consents, and consumers can opt-out at any time. The CFPB takes reasonable steps to scrub personal information from each complaint that could be used to identify the consumer.

    We don’t publish personal information

    Personal information submitted as part of a complaint, such as names, contact information, account numbers, social security numbers, and supporting documents, helps the company identify the consumer. This information is not published in the Consumer Complaint Database.

    Read our latest annual report to Congress

    Read the full report

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    - - - \ No newline at end of file diff --git a/www.consumerfinance.gov/complaint/process/index.html b/www.consumerfinance.gov/complaint/process/index.html deleted file mode 100644 index 7dbb76172fa..00000000000 --- a/www.consumerfinance.gov/complaint/process/index.html +++ /dev/null @@ -1,1454 +0,0 @@ - - - - - - - Learn how the complaint process works | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    Your complaint goes through several steps that help you get a response and help us identify problems in the marketplace.

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    1. Complaint submitted

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    You submit a complaint, or another government agency forwards your complaint to us. You will receive email updates and can check the status of your complaint.

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    2. Route

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    We'll send your complaint directly to the company so it can review the issues in your complaint. If we find that another government agency would be better able to assist, we will send your complaint to them and let you know.

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    3. Company response

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    The company will communicate with you as needed and respond to the issues in your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.

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    4. Complaint published

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    We publish information about your complaint (without information that directly identifies you) in our public Consumer Complaint Database. With your consent we also publish your description of what happened, after taking steps to remove personal information. Learn more about how we share complaint data.

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    5. Consumer review

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    We will let you know when the company responds. You’ll be able to review the company’s response and will have 60 days to provide feedback about the company's response.

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    Purpose of the program

    The Advisory Opinion program provides a mechanism through which the Bureau can carry out its statutory purposes and objectives by better enabling compliance.

    Final Advisory Opinions Policy

    Advisory Opinion Letters

    Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt – October 1, 2024

    Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed – August 13, 2024

    Fair Credit Reporting; Background Screening – January 11, 2024

    Fair Credit Reporting; File Disclosure – January 11, 2024

    Consumer Information Requests to Large Banks and Credit Unions – October 11, 2023

    Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt – April 26, 2023

    Real Estate Settlement Procedures Act (Regulation X); Digital Mortgage Comparison-Shopping Platforms and Related Payments to Operators – Feb. 7, 2023

    Fair Credit Reporting; Facially False Data – Oct. 20, 2022

    Permissible purposes for furnishing, using, and obtaining consumer reports – July 7, 2022

    Debt Collectors’ Collection of Pay-to-Pay Fees – June 29, 2022

    Revocations or unfavorable changes to the terms of existing credit arrangements – May 9, 2022

    Consumer reporting agencies’ matching practices – Nov. 4, 2021

    Special purpose credit programs – Dec. 21, 2020

    Earned wage access – Nov. 30, 2020

    Private education loans – Nov. 30, 2020

    Submit a request for an advisory opinion

    Submit your request for an advisory opinion to advisoryopinion@cfpb.gov. Requests will be reviewed on a rolling basis.

    Other reference materials

    Pilot Advisory Opinions Program

    Advisory Opinions Proposal

    +

    Purpose of the program

    The Advisory Opinion program provides a mechanism through which the Bureau can carry out its statutory purposes and objectives by better enabling compliance.

    Final Advisory Opinions Policy

    Advisory Opinion Letters

    Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt – October 1, 2024

    Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed – August 13, 2024

    Fair Credit Reporting; Background Screening – January 11, 2024

    Fair Credit Reporting; File Disclosure – January 11, 2024

    Consumer Information Requests to Large Banks and Credit Unions – October 11, 2023

    Fair Debt Collection Practices Act (Regulation F); Time-Barred Debt – April 26, 2023

    Real Estate Settlement Procedures Act (Regulation X); Digital Mortgage Comparison-Shopping Platforms and Related Payments to Operators – Feb. 7, 2023

    Fair Credit Reporting; Facially False Data – Oct. 20, 2022

    Permissible purposes for furnishing, using, and obtaining consumer reports – July 7, 2022

    Debt Collectors’ Collection of Pay-to-Pay Fees – June 29, 2022

    Revocations or unfavorable changes to the terms of existing credit arrangements – May 9, 2022

    Consumer reporting agencies’ matching practices – Nov. 4, 2021

    Special purpose credit programs – Dec. 21, 2020

    Earned wage access – Nov. 30, 2020 (withdrawn on Jan 6, 2025 ).

    Private education loans – Nov. 30, 2020

    Submit a request for an advisory opinion

    Submit your request for an advisory opinion to advisoryopinion@cfpb.gov. Requests will be reviewed on a rolling basis.

    Other reference materials

    Pilot Advisory Opinions Program

    Advisory Opinions Proposal

    diff --git a/www.consumerfinance.gov/consumer-tools/auto-loans/answers/index.html b/www.consumerfinance.gov/consumer-tools/auto-loans/answers/index.html deleted file mode 100644 index 022a61e7869..00000000000 --- a/www.consumerfinance.gov/consumer-tools/auto-loans/answers/index.html +++ /dev/null @@ -1,1570 +0,0 @@ - - - - - - - Auto loan answers | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    - Automated Clearing House (ACH) - -
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    An Automated Clearing House (ACH) authorization is a payment authorization that gives the lender permission to electronically take money from your bank, credit union, or prepaid card account when your payment is due. You can revoke this authorization.

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    With automatic debits, you give your permission to the company to take the payments directly from your bank account. This is different than the recurring bill-pay feature offered by your bank. In recurring bill-pay, you give permission to your bank or credit union to send the payments to the company.

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    A Certificate Deposit, or CD, is a special type of savings account offered by banks or credit unions. You generally must keep your funds in the CD for a specified period of time to avoid penalties.

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    A rollover or renewal can occur at the end of the term of a CD.

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    A demand draft allows someone to withdraw money from your checking account without your signature. 

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    The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a “deposit hold” or “check hold”. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee.

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    A fiduciary is someone who manages money or property for someone else. When you are named a fiduciary, you are required by law to manage the person’s money and property for his or her benefit, not yours.

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    A guardian of property is someone the court names to manage money and property for someone else whom the court has found cannot manage their money and property alone.

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    An ITIN is an identification number that you get from the Internal Revenue Service. An ITIN is only available for certain nonresident and resident aliens, their spouses, and dependents who cannot get a Social Security Number.

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    - Joint account - -
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    If you would like to enable a friend or family member to write checks and make deposits on your behalf, you might consider opening a joint account. Generally, everyone whose name is on a joint account can write checks, withdraw money, make transactions, move funds, or close the account. If one of the account holders owes money, the creditor can try to collect from money in the joint bank account.

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    A money market account is a special type of account offered by banks and credit unions.

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    An NSF or non-sufficient funds fee may occur when your check or electronic authorization is not paid due to a lack of funds in your account.  This is commonly referred to as a “returned” or “bounced” check. 

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    - Overdraft - -
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    An overdraft occurs when you don’t have enough money in your account to cover a transaction, but the bank pays the transaction anyway. You can overdraw your account through checks, ATM transactions, debit card purchases, automatic bill payments, and electronic or in-person withdrawals.

    Many banks and credit unions offer overdraft protection programs in which the bank or credit union generally pays the transaction and charges you a fee (in addition to requiring repayment of the overdraft amount). Overdrafts can also be covered through a transfer of funds from a linked account, credit card, or line of credit.

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    A personal line of credit is a loan that you access from time to time. You write special checks or request a transfer to your checking account by phone or online.

    Like a credit card account, you have a credit limit, receive a monthly bill, make at least a minimum payment, pay interest based on your outstanding balance, and possibly pay a fee each time you use the account.

    Personal lines of credit are unsecured, unlike Home Equity Lines Of Credit (HELOCs), which are backed by a mortgage on your home. Personal lines of credit are offered by banks and credit unions and usually require that you also have a checking account with the same institution.

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    A power of attorney (POA) is a legal document that allows someone else to act on your behalf. Creating a POA is a way to appoint a substitute decision-maker and is relatively inexpensive, although it may involve help from a lawyer. 

    A financial POA can be used as a tool for planning for future incapacity – the inability to make financial decisions due, for example, to dementia, traumatic brain injury, or some other impairment that affects mental function. When used for advance planning, a POA generally is “durable,” meaning it continues to be effective even if the person creating it becomes incapacitated. Continue reading to learn more about power of attorney (POA). 

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    - Representative payee - -
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    The Social Security Administration (SSA) appoints a person to be a representative payee for another person who needs help managing his or her Social Security or Supplemental Security Income (SSI) benefit payments. A representative payee can only manage the benefit checks paid by SSA. If the person receiving the benefits has other money or property that he or she cannot manage, a representative payee must have legal authority from another source to manage other funds. For example, a representative payee also could be appointed guardian of property by a court. As a Social Security representative payee, you are a fiduciary.

    For more information on representative payees, read this guide on managing someone else’s money.

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    A revocable living trust is a legal document that gives you the authority to make decisions about someone else’s money or property being held in a trust. 

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    A representative payee is appointed by the Social Security Administration for another person who needs help managing their Social Security or Supplemental Security Income benefit payments. 

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    A fiduciary is someone who manages money or property for someone else. The Department of Veterans Affairs (VA) appoints VA fiduciaries to manage veterans’ benefits for people who can’t manage the funds themselves. 

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    The APR, or annual percentage rate, is the standard way to compare how much loans cost. It lets you compare the cost of loan products on an “apples-to-apples” basis. Your credit card company must disclose the APR before you agree to the use the card.

    To calculate the APR, the interest rate and fees are compared to the amount you borrow and calculated over a one-year period. This allows you to compare the costs of a credit card to a six-month installment loan. It is also why APRs are often different from simple interest rates.

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    A balance transfer lets you move an outstanding balance from one credit card to another, sometimes for a fee. The fee is usually a certain percentage of the amount you transfer or a fixed amount, whichever is more. Many credit card companies offer zero-percent or low-interest balance transfers to invite you to consolidate your debt on one credit card. The promotional interest rate for most balance transfers lasts for a limited time. After that, the interest rate on your new credit card may rise, increasing your payment amount.

    If you’re more than 60 days late on a payment, the credit card company can increase your interest rate on all balances, including the transferred balance.

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    A cardholder agreement states the terms and conditions that apply to a credit card that is offered to a customer. Among other provisions, the cardholder agreement outlines applicable fees, your liability for unauthorized transactions, and the annual percentage rate (APR) of the card. If you lost your cardholder agreement, you can obtain one on the card issuer’s website or by calling the card issuer. You may also be able to find it listed on the CFPB’s Credit Card Agreement Database.

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    A credit balance on your billing statement is an amount that the card issuer owes you.

    Credits are added to your account each time you make a payment. It may also be added when you return something you bought with a credit card or because of rewards you have earned or a mistake in a prior bill. If the total of the credits exceeds the amount you owe, your statement shows a credit balance. 

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    Some card issuers calculate interest on the account using a daily periodic interest rate, which is used to calculate interest by multiplying the rate by the amount owed at the end of the day. This interest amount is then added to the previous day’s balance, which means that interest is compounded on a daily basis. 

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    A grace period is the period between the end of a billing cycle and the date your payment is due. During this time, you may not be charged interest as long as you pay your balance in full by the due date. Credit card companies are not required to give a grace period. However, most credit cards provide a grace period on purchases.  

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    A credit card’s interest rate is the price you pay for borrowing money. For credit cards, the interest rates are typically stated as a yearly rate, and this is called the annual percentage rate (APR). On most cards, you can avoid paying interest on purchases if you pay your balance in full each month by the due date.

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    A prescreened credit card offer is when credit card companies use information from credit reporting companies to make firm offers of credit to you if your credit history meets the criteria selected by the card company.

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    Generally, unauthorized use is the use of a credit card by a person who does not have the right to use the card. For example, if you lose your card and someone finds and uses it, that would be an unauthorized use. 

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    An inquiry refers to a request to look at your credit file, and it generally falls into one of two types.

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    In 2015, we published a report finding that 26 million Americans are "credit invisible." This figure indicates that one in every ten adults does not have any credit history with one of the three nationwide credit reporting companies. An additional 19 million consumers have “unscorable” credit files, which means that their file is thin and has an insufficient credit history (9.9 million) or they have stale files and lack any recent credit history (9.6 million). In sum, there are 45 million consumers who may be denied access to credit because they do not have credit records that can be scored. People who are credit invisible or unscorable generally do not have access to quality credit and may face a range of issues, from trying to obtain credit to leasing an apartment.

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    A credit monitoring service is a commercial service that charges you a fee to watch your credit reports and alert you to changes to the accounts listed on your credit report. 

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    A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts.

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    Credit reporting companies, also known as credit bureaus or consumer reporting agencies, are companies that compile and sell credit reports.

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    A credit score predicts how likely you are to pay back a loan on time. Companies use a mathematical formula—called a scoring model—to create your credit score from the information in your credit report. It is important to know that you do not have just “one” credit score and there are many credit scores available to you as well as to lenders. Any credit score depends on the data used to calculate it, and may differ depending on the scoring model, the source of your credit history, the type of loan product, and even the day when it was calculated.

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    The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Learn more about your major rights under the FCRA .

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    A FICO® score is a particular brand of credit score. 

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    A fraud alert requires creditors who check your credit report to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer’s request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others. There are two main types of fraud alerts: initial fraud alerts and extended alerts.

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    You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com . When you visit AnnualCreditReport.com , you may see steps to view your updated credit reports at no cost, online. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $14.50 for a credit report.

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    Identity theft services monitor personally identifiable information in credit applications, public records, websites, and other places for any unusual activity that could be signs of identity theft.

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    Identity theft occurs when someone steals your identity to commit fraud. Stealing your identity could mean using personal information without your permission, such as:

    • Your name
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    • Credit card number
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    Members of the military (such as members of the Marines, Army, Navy, Air Force, and Coast Guard) can request an active duty alert. When you place an active duty alert on your credit report, creditors must take reasonable steps to make sure the person making the request is actually you before opening an account, issuing an additional credit card on an existing account, or increasing the credit limit on your existing account. Active duty alerts last for 12 months. Your name also will be removed from the nationwide credit reporting companies' pre-screen marketing lists for credit offers and insurance for two years.

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    A "security freeze" on your credit report prevents new creditors from accessing your credit file and others from opening accounts in your name until you lift the freeze. Because most businesses will not open credit accounts without checking your credit report, a freeze can stop identity thieves from opening new accounts in your name.

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    Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service.

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    A report used by landlords to help make decisions on possible tenants. A tenant screening report may contain information from many sources including your rental history and credit reports.

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    A thin credit file or no credit file means that a person does not have a credit history or not enough current credit history to produce a credit score. See: Credit invisible

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    Use this list to help you take advantage of your right to review the information in your consumer reports, and dispute possible inaccuracies with companies as needed.

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    The list includes the three nationwide consumer reporting companies—Equifax, TransUnion, and Experian—and several other reporting companies that focus on creating consumer reports for certain industries.

    This list is current as of January 2024. It includes entities that have identified themselves as “consumer reporting agencies” (as that term is defined in the Fair Credit Reporting Act ) or have indicated they provide consumers access to information they have collected about them. The list is intended for the personal use of consumers. It incorporates information from the companies’ own self-descriptions that has not been independently verified by the Bureau. This list is not intended to be all-inclusive and does not cover every company in the industry. Nor does it reflect determinations as to whether any particular entity is (or is not) subject to the Fair Credit Reporting Act , or the Bureau’s supervisory or enforcement authority. To provide your suggested corrections or additions to the list, contact the Bureau at CFPB_CCPD2@cfpb.gov and include “Consumer Reporting Company List” in the subject line.

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    Market areas included on this list

    Nationwide consumer reporting companies

    There are three big nationwide providers of consumer reports: Equifax, TransUnion, and Experian. Their reports contain information about your payment history, how much credit you have and use, and other inquiries and information. 

    Employment screening

    Employment screening companies provide information such as credit history, employment, salary, and education and professional license verification to employers and others, including to non-profit volunteer organizations and to government agencies such as to verify employment income to determine eligibility for government assistance. They may also provide residential address history and Social Security Number verification; criminal arrest and conviction information, as well as fingerprint information from state and federal criminal record databases; status on global watchlists, motor vehicle and driver’s record information; drug and alcohol testing and health screening information; and non-profit and volunteer activity verification. Employment screening can include both pre-employment screening and on-going workforce monitoring. Many employment screening companies won’t have information on you unless you authorized an employer or other end-user to obtain a report. If possible, when you give your authorization, ask for the name(s) of the employment screening company being used. Contact those reporting companies to fact-check your reports. If the employer is checking your credit history in separate reports, from one or all three of the nationwide providers of consumer reports listed above, request and review those reports too.

    Tenant screening

    Tenant screening companies provide information such as credit history, eviction information, rental payment history, identity verification, income and employment verification, and criminal background data to landlords, property management companies, and others. A tenant screening report with negative information in it, such as prior housing evictions, could result in a rejected lease application, or it could result in approval of the application but with tough conditions inserted into the lease agreement such as a requirement that you pay months of additional rent in advance or a higher security deposit. Most tenant screening companies won’t have information on you unless you apply for rental housing or otherwise authorize a landlord or property manager to obtain a report from them. However, you should check in advance for errors in your credit report, since a credit report is a common component of tenant screening reports. Additionally, if you are rejected as a tenant for a residential property, or “conditionally accepted” with certain adverse conditions such as requiring a co-signer or a larger deposit or a higher rent payment than other applicants, the landlord or management company must provide you with an adverse action notice that includes the name(s) of the consumer reporting company it used to screen you. Contact the screener(s) to fact-check your information and dispute suspected inaccuracies as needed. Errors in your tenant screening report shouldn’t keep you from finding a place to call home. If a landlord refuses to rent to you or charges you more because of something in a background check, be sure to know your rights and protections. For more information on the tenant screening market, see our Tenant Background Checks Market Report.

    Check and bank account screening

    Banks and credit unions use check and bank screening reports to help decide whether to offer you a checking account or to cash your checks. For example, you may have negative information in your report if you had a checking account before and you have an unpaid negative balance on that account, such as from an overdraft that you have not repaid, if the account was closed by the bank, or if you were suspected of fraud related to the account. If you have been a victim of bank account and/or check-writing fraud, or have had prior difficulties opening or closing a bank account (such as being denied an account), review your check and bank screening report(s) and dispute them if inaccurate.

    Personal property insurance

    Fact-check your specialty insurance report when applying for insurance.

    Medical

    Fact-check your medical specialty report before or when applying for private life, health, critical illness, long-term care, or disability income insurance. Generally, if you haven’t applied for individual life or health insurance at an insurance company that uses services from the listed company, the company won’t have a consumer report for you to request.

    Low-income and subprime

    Low-income and subprime reporting companies provide consumer information to companies that market and sell products and services specifically to lower-income consumers and credit applicants with impaired credit records.

    Supplementary reports

    The companies listed in this section sell data primarily to help entities manage credit and fraud risk. This information frequently supplements other datasets, such as the traditional credit data that the nationwide consumer reporting companies sell about you.

    Utilities

    These companies collect information associated with telecommunications, pay TV, and utility (electric, gas, water) services to help companies in these industries manage customer relations. 

    Retail

    These companies collect information related to retail product return and suspected exchange fraud and abuse.

    Gaming

    These companies share consumer data associated with check cashing settlement services to assist gaming establishments such as casinos and racetracks with risk management.

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    You have a meaningful role to play to ensure the data about you maintained by consumer reporting companies is accurate and complete. 

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    You know your credit report is important, but the three nationwide consumer reporting companies—Equifax, TransUnion­, and Experian—aren’t the only companies that collect information on you. Other companies collect information and prepare consumer reports about you—and you have a right to see those reports. This list of consumer reporting companies gives you the details you need to take action.

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    2024 list of consumer reporting companies

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    This list includes the three nationwide consumer reporting companies as well as other companies that focus on certain market areas and consumer segments.

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    Know your data

    Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision-making situations.

    Who can see your consumer reports

    Consumer reporting companies must follow legal restrictions, but generally can provide consumer reports and risk scores to an array of businesses, including:

    • Lenders (including those that offer credit cards, home, payday, personal, title, auto including auto leasing, student loans, security deposit financing and lease guarantees on home rentals, and buy-now-pay-later (BNPL) products)
    • Employers and volunteer organizations (pre-employment screening and on-going employee monitoring)
    • Government agencies to determine eligibility for government assistance
    • Landlords and residential real estate management companies for short- and long-term residential property rentals (tenant screening)
    • Banks, credit unions, payment processors and retail stores that accept personal checks (check screening)
    • Companies that market and sell certain products and services specifically to lower-income consumers and subprime credit applicants, such as companies providing short-term lending and rent-to-own lending businesses among others
    • Debt buyers and debt collectors
    • Insurance companies (health, life, property insurance screening)
    • Telecommunication and utility companies (e.g., mobile phone, pay TV, electric, gas, water)
    • Retail stores for product return fraud and abuse screening as well as retail stores that offer financing such as appliance and rent-to-own businesses, among others
    • Gaming establishments and casinos that extend credit to consumers and/or accept personal checks

    Know when to check a report

    With the exception of employment screening, users of your reporting data generally don’t warn you in advance when they’re about to take an adverse action against you based in whole or in part on your consumer report. That's why the accuracy and completeness of your consumer reporting data is extremely important.

    Check your reports regularly

    It’s important to review your credit reports from the three nationwide consumer reporting companies—Equifax, TransUnion, and Experian—every twelve months to ensure they are accurate and complete. This is especially important if you intend to purchase a home or car with credit, or otherwise intend to apply for credit in the future.

    Check your reports before making financial decisions

    If you are applying for a job, an insurance policy, or a lease, you should fact-check your background screening reports to ensure there are no errors. 

    Check your reports if you think you may be a victim of identity theft

    Data breaches are an unfortunate reality. It’s important to be aware of your options to take greater control of your consumer reporting data. 

    Fact-check your reports and consider blocking third-party access to your consumer reporting data through a security “freeze.”

    Resources to take action

    How to request a report

    Under the federal Fair Credit Reporting Act (FCRA) , all consumer reporting companies are required to provide you a copy of the information in your report if you request it.

    You are also entitled to a free credit report every 12 months from each of the three nationwide consumer reporting companies—Equifax, TransUnion, and Experian. You can request a copy through AnnualCreditReport.com . 

    As a result of a 2019 settlement, all U.S. consumers may also request up to six free copies of their Equifax credit report during any twelve-month period through December 2026. These free copies will be provided to you in addition to any free reports to which you are entitled under federal law.

    Learn how to request a report

    You have the right to dispute the information in your reports

    If you find information in your consumer reports that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information with the consumer reporting company, such as your lender. 

    Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute.

    Learn how to dispute an error

    If you have complaints about your consumer reports

    The Bureau handles consumer reporting complaints about report accuracy and completeness errors, credit repair services, and other consumer reporting topics. If you are dissatisfied with a company’s investigation of an earlier dispute, if you believe your consumer report was used improperly, or if you have problems getting access to your own consumer reports you may consider submitting a complaint. 

    Submit a complaint

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    If you want to dispute information on a credit report, you may need to send a dispute letter to both the institution that provided the information, called the information furnisher, as well as the credit reporting company.

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    Credit counselors can help with the following:

    • Advise you on managing your money and debts
    • Help you develop a budget
    • Usually offer free educational materials and workshops

    Typically, credit counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. 

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    The CFPB issued “rules” effective on November 30, 2021 that clarify and interpret the federal Fair Debt Collection Practices Act (FDCPA).

    Read more

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    Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly collects debts owed to others, usually when those debts are past-due.

    Debt collectors include collection agencies or lawyers who collect debts as part of their business. There are also companies that buy past-due debts from creditors or other businesses and then try to collect them. These debt collectors are also called debt collection agencies, debt collection companies, or debt buyers.

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    Debt settlement companies are companies that say they can renegotiate, settle, or in some way change the terms of a person's debt to a creditor or debt collector. Dealing with debt settlement companies can be risky.

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    The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. Read more information on your rights under the FDCPA.

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    A wage or bank account garnishment occurs when a creditor takes a portion of your paycheck or money from your bank account to collect money you owe. Garnishments generally require a court order that results from a judgment. However, certain debts owed to the government may also result in garnishment, even without a judgment.

    State and federal laws have limits or “exemptions” that apply to bank account and wage garnishments, usually to make sure you have something left to live on. It is also a violation of the Fair Debt Collection Practices Act (FDCPA) for a debt collector to threaten that your wages will be garnished if your wages cannot legally be garnished.

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    The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.

    Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone; obscene or profane language; threats of violence or harm; publishing lists of people who refuse to pay their debts (this does not include reporting information to a credit reporting company); and calling you without telling you who they are.

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    A judgment is an official result of a lawsuit in court. In debt collection lawsuits, the judge may award the creditor or debt collector a judgment against you. If you don’t respond to a legal complaint, you will lose your chance to defend yourself and you may find that a judgment is entered against you.

    If someone sues you, or if someone has obtained a judgment against you and you are unsure of what to do, talk to an attorney. Some attorneys may offer free services or charge a reduced fee. There may also be legal aid offices or legal clinics in your area who will offer their services for free if you meet certain criteria. Servicemembers should consult their local JAG office .

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    Under the Debt Collection Rule, this is a voicemail message to a consumer that must contain certain required information and may contain other optional content.

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    Generally speaking, the original creditor is the company that gave you the loan or credit. An original creditor may attempt to collect a past due credit account itself, or it may hire a debt collector. The original creditor also may sell your credit account to a debt collector. A debt collector is a generally a third party who has been contracted specifically to collect on your account, or someone who has purchased it from the original creditor or another debt collector or debt buyer. 

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    A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. Most statutes of limitations fall in the three to six years range, although in some jurisdictions they may extend for longer. Statutes of limitation may vary depending on state laws, the type of debt you have, or the state law named in your credit agreement.

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    A debt collector is required to provide certain information when it first communicates with a consumer, or shortly after. When the debt collector provides this required information electronically or in writing, it is called a validation notice.

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    Dealing with disasters and emergencies -

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    A guide to handling your financial life as you prepare for natural disasters or events, or recover from a hurricane, flood, wildfire, or other emergency.

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    This guide focuses on your finances

    For information on your physical safety before, during, and after an emergency , visit the Federal Emergency Management Agency’s (FEMA) ready.gov site.

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    Find help for your situation

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    Start to recover and rebuild your financial life

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    After disaster strikes, it can be hard to know how to move forward. Here are steps to take to recover financially.

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    Get prepared before the next disaster or emergency

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    Natural disasters can happen anywhere. Creating a plan for your financial life can save you money, stress, and time.

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    It’s natural to want to send money to loved ones or organizations that support people in the disaster’s path. Ensure your money is making a difference and getting into the right hands.

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    Mobile payment services and apps let you send money to people without having to write a check, swipe a card, or hand them cash. Always use caution when sending money to someone you don’t know. When sending money electronically, including through your mobile device, keep these tips in mind.

    Start with a request for payment. Before sending money to someone for the first time, ask them to send a "request" from their app.

    Double-check before you press send. Verify the amount you entered and the person you selected to pay. Review other identification elements, like phone numbers or other data points shown.

    Know how quickly money comes out of your account. Most payments are deducted from your balance immediately. But depending on the electronic service and who you’re sending money to, the recipient might not be able to use the money immediately. Find out how soon the transferred money is made available, and decide if that timing works for you.

    Protect your mobile device. Most mobile payment services allow you to set up a passcode, PIN, or fingerprint to authenticate yourself – in addition to setting a password or identity protection on your mobile device. If your mobile phone is lost or stolen, notify your bank or payment provider.

    Contact your bank or payment provider if you suspect an error. Go over your statements and notify your financial institution about transactions you don’t recognize right away.

    You can submit a complaint about a problem with a financial product or service, including problems with a mobile payment app, at consumerfinance.gov/complaint or by calling (855) 411-CFPB (2372).

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    Many businesses that send money transfers to other countries must follow federal consumer protection laws, as well as state laws. Review the rules that apply to money transfers and how to resolve problems if something goes wrong.

    Know your rights when you send money overseas (Español | 中文 | Tiếng Việt | 한국어 | Tagalog | Pусский | العربية | Kreyòl Ayisyen)

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    Scammers use natural disasters and emergencies as opportunities to prey on your instincts to help others. A common scam during a natural disaster is a charity scam, where a fake organization is created to con people into donating money. If you’re contributing to a disaster relief effort, here are a few tips to ensure your money is getting to the right organization.

    Beware of unsolicited asks for your personal or financial information, like phone calls or emails asking for payment on a donation pledge you don’t remember making.

    Look up charity organizations through a trusted third-party source, such as guidestar.org , give.org , charitynavigator.org , or your local Better Business Bureau .

    If you don’t feel comfortable, don’t contribute.

    Report crimes, scams, and financial abuse to your local law enforcement’s nonemergency number, your state attorney general or the Federal Trade Commission .

    Read further about scams and fraud

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    Gifts, loans, and in-kind support can help loved ones make ends meet in an emergency. Family and friends sometimes exchange funds directly (for example, providing cash) or indirectly (for example, cosigning a loan). Without clear communication, these arrangements could put a strain on your relationships. It’s important to have a frank conversation and come up with an arrangement that works for everyone involved.

    Review our tips and worksheet on managing lending and borrowing among family and friends

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    Are you an educator, advocate, or other professional looking for resources to help others?

    See what questions homebuyers should ask about climate risk

    Review why disaster risk should be considered in housing decisions

    Explore more resources to use with the people you serve

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    Comparison shopping: Explore Credit Cards

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    Five principles of effective financial education

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    Research and reports

    Consumer Insights on Managing Spending

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    Looking for answers to help a client? Check here first. You’ll find a wealth of information and interactive tools you can use to help the people you serve with common financial issues.

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    Auto loans

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    DESCRIPTIONACTIONS

    Comparing auto loans worksheet
    Worksheet

    Download PDF

    Take control of your auto loan 
    Web page

    Read more

    Take control of your auto loan: A step-by-step guide
    Multi-page booklet

    Download PDF

    Shopping for your auto loan
    Audio recording

    Listen in English
    Listen in Spanish

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    Credit cards

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    DESCRIPTIONACTIONS

    Act fast if you can't pay your credit cards
    Client handout

    Download PDF
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    Act fast if you can't pay your credit cards (Spanish)
    Client handout

    Download PDF

    How to find the best credit card for you
    Client handout

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    How to fix mistakes in your credit card bill
    Client handout

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    How to stop mystery credit card fees
    Client handout

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    Digest: Using credit cards
    Practitioner handout

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    Credit reports and scores

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    Where to find access to a free credit score
    Client handout

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    Check your credit report
    Client handout

    Download PDF
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    Check your credit report (Spanish)
    Client handout

    Download PDF
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    Understand your credit score
    Client handout

    Download PDF
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    Understand your credit score (Spanish)
    Client handout

    Download PDF
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    How to rebuild your credit
    Client handout

    Download PDF

    How to rebuild your credit (Spanish)
    Client handout

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    Credit report rule to live by
    Client handout

    Download PDF

    Watch accounts closely when card data is hacked
    Client handout

    Download PDF
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    You Have a Right to See Specialty Credit Reports
    Client handout

    Download PDF
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    Specialty Credit Reporting list
    Practitioner guide

    Download PDF

    Dispute an error for a minor
    MS Word document

    Download

    Dispute an error for a youth who is 18 or older if the error occurred
    before his or her 18th birthday
    MS Word document

    Download

    Dispute an error that happened at 18 or older for youth who
    remain in foster care until age 21
    MS Word Document

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    Help your kids start and maintain good credit

    Client handout

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    Help youth in foster care start and maintain good credit
    Client handout

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    Understand your credit report
    Client handout

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    Understand your credit report (Spanish)
    Client handout

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    Debt collection

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    Debt Collection Sample Letters
    MS Word document

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    Know your rights when a debt collector calls
    Client handout

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    Know your rights when a debt collector calls (Spanish)
    Client handout

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    Planning to become debt-free?
    Client handout

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    Planning to become debt-free? (Spanish)
    Client handout

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    Housing

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    Making housing decisions after losing a spouse or partner
    Booklet

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    Making housing decisions after losing a spouse or partner (Spanish)
    Booklet

    Download PDF

    Making housing decisions after losing a spouse or partner (Chinese)
    Booklet

    Download PDF

    Making housing decisions after losing a spouse or partner (Haitian Creole)
    Booklet

    Download PDF

    Making housing decisions after losing a spouse or partner (Korean)
    Booklet

    Download PDF

    Making housing decisions after losing a spouse or partner (Russian)
    Booklet

    Download PDF

    Making housing decisions after losing a spouse or partner (Tagalog)
    Booklet

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    Making housing decisions after losing a spouse or partner (Vietnamese)
    Booklet

    Download PDF

    Making housing decisions when your health changes
    Booklet

    Download PDF
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    Making housing decisions when your health changes (Spanish)
    Booklet

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    Making housing decisions when your health changes (Chinese)
    Booklet

    Download PDF

    Making housing decisions when your health changes (Haitian Creole)
    Booklet

    Download PDF

    Making housing decisions when your health changes (Korean)
    Booklet

    Download PDF

    Making housing decisions when your health changes (Russian)
    Booklet

    Download PDF

    Making housing decisions when your health changes (Tagalog)
    Booklet

    Download PDF

    Making housing decisions when your health changes (Vietnamese)
    Booklet

    Download PDF

    Leaving your home to children or heirs
    Booklet

    Download PDF
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    Leaving your home to children or heirs (Spanish)
    Booklet

    Download PDF

    Leaving your home to children or heirs (Chinese)
    Booklet

    Download PDF

    Leaving your home to children or heirs (Haitian Creole)
    Booklet

    Download PDF

    Leaving your home to children or heirs (Korean)
    Booklet

    Download PDF

    Leaving your home to children or heirs (Russian)
    Booklet

    Download PDF

    Leaving your home to children or heirs (Tagalog)
    Booklet

    Download PDF

    Leaving your home to children or heirs (Vietnamese)
    Booklet

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    Using home equity to meet financial needs
    Booklet

    Download PDF
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    Using home equity to meet financial needs (Spanish)
    Booklet

    Download PDF

    Using home equity to meet financial needs (Chinese)
    Booklet

    Download PDF

    Using home equity to meet financial needs (Haitian Creole)
    Booklet

    Download PDF

    Using home equity to meet financial needs (Korean)
    Booklet

    Download PDF

    Using home equity to meet financial needs (Russian)
    Booklet

    Download PDF

    Using home equity to meet financial needs (Tagalog)
    Booklet

    Download PDF

    Using home equity to meet financial needs (Vietnamese)
    Booklet

    Download PDF

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    Money management

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    Helpful shortcuts for credit card use: Ideas for financial educators
    Practitioner resource

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    Rules to live by: Ideas for financial educators
    Practitioner resource

    Download PDF

    Managing family lending and borrowing

    Read more
    Download PDF

    Managing spending: Ideas for financial educators
    Practitioner resource

    Download PDF

    Consumer tips for managing spending
    Client handout

    Download PDF

    My spending rule to live by
    Client handout

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    My credit spending rule to live by
    Client handout

    Download PDF

    Digest: Managing cash flow and bill payments
    Practitioner resource

    Download PDF

    Know your overdraft options
    Client handout

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    My new money goal
    Client handout

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    My new money goal (Spanish)
    Client handout

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    SAVED: Five steps for making financial decisions
    Client handout

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    SAVED: Five steps for making financial decisions (Spanish)
    Client handout

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    Manage your college money
    Client handout

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    Manage your college money (Spanish)
    Client handout

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    Your disaster checklist
    Client handout

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    Your disaster checklist (Spanish)
    Client handout

    Download PDF
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    Digest: Organizing and managing finances
    Practitioner resource

    Download PDF

    Organizing and managing finances
    Video

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    Money motivations

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    Money Circle Toolkit
    Practitioner resource

    Download PDF

    Introducing the Money Circle Toolkit
    Training webinar

    Download slides
    Read transcript
    Watch

    Friends and Family Exchanges Crisis Tool
    Practitioner Resource

    Download PDF

    Friends and Family Exchanges Crisis Tool (Spanish)
    Practitioner Resource

    Download PDF

    Friends and Family Exchanges Consumer Worksheet
    Consumer Resource

    Download PDF

    Future Self Tool
    Practitioner Resource

    Download PDF

    Future Self Tool
    Training webinar

    Download slides
    Read transcript
    Watch

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    Money transfers

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    Helping consumers understand remittance transfers
    Practitioner resource

    Download PDF

    Helping consumers understand remittance transfers (Spanish)
    Practitioner resource

    Download PDF

    Helping consumers understand remittance transfers (Arabic)
    Practitioner resource

    Download PDF

    Helping consumers understand remittance transfers (Chinese)
    Practitioner resource

    Download PDF

    Helping consumers understand remittance transfers (Haitian Creole)
    Practitioner resource

    Download PDF

    Helping consumers understand remittance transfers (Korean)
    Practitioner resource

    Download PDF

    Helping consumers understand remittance transfers (Russian)
    Practitioner resource

    Download PDF

    Helping consumers understand remittance transfers (Tagalog)
    Practitioner resource

    Download PDF

    Helping consumers understand remittance transfers (Vietnamese)
    Practitioner resource

    Download PDF

    Send money abroad with more confidence
    Client handout

    Download PDF
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    Send money abroad with more confidence (Spanish)
    Client handout

    Download PDF
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    Send money abroad with more confidence (Arabic)
    Client handout

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    Send money abroad with more confidence (Chinese)
    Client handout

    Download PDF

    Send money abroad with more confidence (Haitian Creole)
    Client handout

    Download PDF

    Send money abroad with more confidence (Korean)
    Client handout

    Download PDF

    Send money abroad with more confidence (Russian)
    Client handout

    Download PDF

    Send money abroad with more confidence (Tagalog)
    Client handout

    Download PDF

    Send money abroad with more confidence (Vietnamese)
    Client handout

    Download PDF

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    Mortgages

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    Considering a reverse mortgage
    Client handout

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    Considering a reverse mortgage (Spanish)
    Client handout

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    Guide to closing forms
    Client handout

    Download PDF

    Your mortgage servicer must comply with federal rules
    Brochure

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    How to avoid foreclosure
    Client handout

    Download PDF
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    How to avoid foreclosure (Spanish)
    Client handout

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    Know before you owe: Mortgages
    Web page

    Read more

    How to spot and avoid foreclosure relief scams
    Brochure

    Download PDF
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    How to spot and avoid foreclosure relief scams (Spanish)
    Brochure

    Download PDF
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    Ready to buy a home?
    Client handout

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    Ready to buy a home? (Spanish)
    Client handout

    Download PDF
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    Shopping for a mortgage
    Client handout

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    Shopping for a mortgage? (Spanish)
    Client handout

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    Should I refinance?
    Client handout

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    Should I refinance? (Spanish)
    Client handout

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    Your closing checklist
    Client handout

    Download PDF

    Your home loan toolkit
    Brochure

    Download PDF

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    Savings and bank accounts

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    DESCRIPTIONACTIONS

    My savings rule to live by
    Client handout

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    Moving your checking account checklist
    Client handout

    Download PDF
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    Consumer guide to checking account denials
    Client handout

    Download PDF

    Consumer guide to managing your checking account
    Client handout

    Download PDF

    Consumer guide to selecting a lower-risk account
    Client handout

    Download PDF

    Digest: Saving for financial shocks and emergencies
    Practitioner resource

    Download PDF

    Saving for financial shocks and emergencies
    Video

    Watch now

    Save some and spend some
    Client handout

    Download PDF
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    Save some and spend some (Spanish)
    Client handout

    Download PDF
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    Checklist for opening a bank or credit union account
    Client handout

    Download PDF
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    Checklist for opening a bank or credit union account (Spanish)
    Client handout

    Download PDF
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    Selecting financial products and services
    Client handout

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    Selecting financial products and services (Spanish)
    Client handout

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    Translated financial terms

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    Glossary of Arabic-English financial terms
    Practitioner resource

    Download PDF

    Glossary of Chinese-English financial terms
    Practitioner resource

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    Glossary of Haitian Creole-English financial terms
    Practitioner resource

    Download PDF

    Glossary of Korean-English financial terms
    Practitioner resource

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    Glossary of Russian-English financial terms
    Practitioner resource

    Download PDF

    Glossary of Spanish-English financial terms
    Practitioner resource

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    Glossary of Tagalog-English financial terms
    Practitioner resource

    Download PDF

    Glossary of Vietnamese-English financial terms
    Practitioner resource

    Download PDF

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    Resources by audience

    We create resources for audiences with specific needs to help them navigate financial decisions.

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    Justice-involved individuals

    Formerly-incarcerated individuals face many challenges in their financial lives, such as identity theft or criminal justice debt. These resources assist people as they reenter or prepare to reenter society.

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    Focus on Reentry
    Your Money, Your Goals companion guide

    Download PDF
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    Protecting one’s credit while in the criminal justice system
    Client handout

    Download PDF

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    Native communities

    These resources are based on the wisdom of people working in tribal governments and other organizations that serve Native communities.

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    Focus on Native Communities
    Your Money, Your Goals companion guide

    Download PDF
    Order free copies

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    Newcomers

    There are over 41 million immigrants in America, and some have unique needs when it comes to managing their finances. Considerations like limited English proficiency and unfamiliarity with the U.S. banking system can make it hard to navigate the financial marketplace.

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    Checklist for opening an account (English)
    Client handout

    Download PDF
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    Checklist for opening an account (Spanish)
    Client handout

    Download PDF
    Order free copies

    Selecting financial products and services (English)
    Client handout

    Download PDF
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    Selecting financial products and services (Spanish)
    Client handout

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    Ways to pay your bills (English)
    Client handout

    Download PDF
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    Ways to pay your bills (Spanish)
    Client handout

    Download PDF
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    Ways to receive your money (English)
    Client handout

    Download PDF
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    Ways to receive your money (Spanish)
    Client handout

    Download PDF
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    People with disabilities

    Millions of people with disabilities face significant obstacles as they go about their lives, including full participation in the mainstream financial marketplace and navigating Supplemental Security Income (SSI) benefits.

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    Focus on People with Disabilities
    Your Money, Your Goals companion guide

    Download PDF
    Order free copies

    People with Social Security disability income can still qualify for a mortgage
    Blog post

    Read more

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    Young adults

    Developing good financial habits early in life can help young people plan for their future and make wise financial decisions as adults.

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    How to protect vulnerable children from credit reporting problems
    Blog post

    Read more

    Dispute an error for a youth who is 18 or older if the error occurred before his or her 18th birthday
    Client handout

    Download

    Dispute an error for a minor
    Client handout

    Download

    Dispute an error that happened at 18 or older for youth who remain in foster care until age 21
    Client handout

    Download

    Help young people develop money skills
    Resource guide

    Read more

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    Resources for employers

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    We provide free tools and tips to help employers support the financial well-being of their workers.

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    People make important personal money decisions in the workplace. At the same time, they can be coping with money stresses. Improving the financial well-being of workers can help organizations function better.

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    Share resources with your workforce

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    Comparison shopping: Explore Credit Cards

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    Share the Explore Credit Cards tool and help people practice comparison shopping, using comprehensive, unbiased data. Select the card features you want and see apples-to-apples comparisons. No registration required and no paid promotions.

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    Order publications

    Order and download free booklets, placemats, and worksheets on a full range of money topics to hand out to your workers. Many are available in multiple languages.

    Order free publications

    Build a financial wellness program

    Here’s how you can start building a culture of financial well-being.

    Understand the basics

    Get to know the definition of financial well-being and how organizations incorporate it into their programs.

    Webinar: Introduction to financial well-being

    Webinar: Financial well-being in the workplace

    Focus on five principles to help your financial education program deliver results

    Effective education can move people from good intentions to actions. Our principles can help.

    Using the five principles of effective financial education in your workplace

    Measure financial well-being in the workplace

    With just 10 rigorously tested and validated questions, you can measure financial well-being in your workforce. Use the financial well-being scale to compare groups and observe changes over time.

    Try the questionnaire yourself

    Getting started with measuring financial well-being: a toolkit

    View webinar: How to develop a program and measure success

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    The CFPB conducts studies focused on financial education and workplace wellness. Use these resources to help you understand how your workplace can be part of improving financial well-being nationwide.

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    Financial well-being in America

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    This report presents an overview of financial well-being in the United States.

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    Pathways to financial well-being

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    This study explores the link between financial skills and financial well-being.

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    Financial well-being is the ultimate goal of financial education. To help people improve their financial well-being, you first must be able to measure it.

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    Financial well-being describes a condition wherein a person can fully meet current and ongoing financial obligations, can feel secure in their financial future, and is able to make choices that allow them to enjoy life. It’s determined by the extent to which people feel that they:

    • Have control over day-to-day, month-to-month finances
    • Have the capacity to absorb a financial shock
    • Are on track to meet his or her financial goals
    • Have the financial freedom to make the choices that allow one to enjoy life
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    The toolkit provides an introduction to the financial well-being scale, with instructions, case studies, and other resources.

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    Measure and score financial well-being 

    The financial well-being scale is a free tool to help you measure your client’s financial well-being. 

    Share the quiz with people you serve

    Integrate the financial well-being scale into your program

    Financial education organizations are using the financial well-being scale in a variety of ways to improve their services and programs.

    Bring financial well-being to your program

    Explore financial well-being findings

    We have conducted research on the state of financial well-being in America. 

    See our conclusions 

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    We want to make libraries the go-to source for financial education. We're working with libraries to provide websites, worksheets, guides, and other information to help with a consumer's money decisions.

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    Comparison shopping: Explore Credit Cards

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    Share the Explore Credit Cards tool and help people practice comparison shopping, using comprehensive, unbiased data. Select the card features you want and see apples-to-apples comparisons. No registration required and no paid promotions.

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    Help patrons make financial decisions with these tools

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    Free publications

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    Order free government publications, worksheets, and brochures that you can distribute to patrons and use during your own financial education programs.

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    Online financial education tools

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    We’ve teamed up with other government agencies and nonprofit organizations to provide financial education websites and tools to help patrons make important money decisions.

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    Financial education training, ideas, and materials for your library

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    Program ideas

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    We have financial education program ideas you can use in your library, including suggestions for partners in your community who can lead or help spread the word about your efforts.

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    Outreach materials

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    Download screen savers, web banners, share graphics, and more to show patrons that the library can be a helpful resource in their daily lives. 

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    Training webinars

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    Check out our financial education training series for library staff. It covers how to discuss financial education topics with patrons.

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    Partnership guidebook

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    Our community partnership guidebook for libraries will help you think through the process of building and documenting collaborations that work well for libraries, partners, and patrons.

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    Elder Fraud Prevention Network Development Guide

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    Resources to build an elder fraud prevention and response network

    Mobilize key stakeholders in your community to prevent, detect, and respond to elder financial abuse.

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    Elder financial exploitation threatens the financial security of millions of older Americans annually. In response to this crisis, hundreds of communities across the United States have created collaborative networks to protect their older residents.

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    A convening is an effective way to bring stakeholders and community leaders together to create a collaborative network. Gather a core team of key community members to help you plan logistics and reach out to the wider community.

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    How you conduct a convening can set the tone for your network. Here are some suggestions on how to provide opportunities for collaboration and make sure everyone's voice is heard during a convening.

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    Reconvene and establish your network

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    After holding a convening, it's important to bring community stakeholders back together to determine next steps toward addressing priorities identified at the convening.

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    After your network establishes priorities, consider leveraging working groups to reach goals, engage the community, and grow the influence of the network.

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    Network resources

    As you create and grow your network, use these tools to plan meetings, identify and prioritize goals, and build foundational knowledge of elder fraud prevention.

    Browse network resources

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    Working with older adults

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    We’ve gathered resources to help you, whether you serve older adults or family members managing the finances of a loved one.

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    Interagency statement on elder financial exploitation

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    Financial regulators and FinCEN issued a joint statement that highlights practices financial institutions can use to prevent elder financial exploitation

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    Tools and resources to use with older adults

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    Protect older adults against fraud

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    Protecting savings and assets becomes increasingly important as people age. We have resources to help safeguard finances and protect older adults from financial exploitation.

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    Tools for later-life financial security

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    Browse guides and information to help older adults make sound financial decisions. Learn more about managing someone else’s money.

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    Money Smart for Older Adults: avoid financial exploitation

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    Money Smart for Older Adults is a volunteer-led curriculum and tool designed to help older adults, family caregivers, and others prevent, recognize, and report financial exploitation.

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    Help for Surviving Spouses

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    The death of a spouse or partner can be one of life’s most stressful events. We have information and resources to help you take control of your finances, navigate critical financial moments, and understand your rights.

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    Find help responding to elder financial abuse

    Financial abuse is a serious issue, but help is available. See our list of state and local resources, legal aid, and other resources and information to address frauds and scams targeting older adults.

    Learn how to get help responding to elder financial abuse

    Resources for practitioners and financial institutions

    Archived webinars

    View our growing library of webinars or read the transcripts. Each webinar is added to the archive a few weeks after its presentation date.

    View archived webinars

    Elder fraud prevention and response networks guide

    We created a guide to help you start or revitalize an elder fraud prevention and response network to protect older adults from financial exploitation in your community.

    Explore the guide

    Tools for banks and credit unions

    Financial institutions have an important role in providing older adults and their families with information on how to prevent fraud. These resources are designed to be used by financial institutions working with families of older adults.

    See resources for financial institutions


    Research and reports

    We research key issues affecting older adults including the prevention of elder financial exploitation, planning for financial incapacity, and Social Security.


    See all reports and advisories for older adults

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    Resources for tax preparers

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    For many people, their tax refund is the single biggest check they receive all year. This can make tax time a unique opportunity to save. Our free tools can help you encourage the clients you work with to save as much of their refund as possible.

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    Strengthen your services

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    This document provides promising practices and recommendations for Volunteer Income Tax Assistance (VITA) programs to improve consumers’ financial well-being at tax time.

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    This guide provides information on how to more effectively measure saving behavior at tax time. Included are recommendations on the additional information to collect, three different approaches to collecting the information, and suggestions for integrating the information collection into the tax preparation process.

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    This is a simple customer journey map for VITA programs to better understand what your customers see, feel, and experience at different stages of the tax preparation process.

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    Brainstorm creative ideas for how your organization can actively encourage clients to save their refunds. Use it as a team exercise in your planning meetings or as a pre-meeting worksheet for staff.

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    This matrix helps you review and compare your current activities to encourage saving and identify those with the most promise. Use it as a group exercise to prioritize ideas for further planning.

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    Identify outcomes and key implementation steps for one or more program activities. Use it during planning meetings for implementing new programming.

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    Once you’ve outlined key programming outcomes and milestones, individual staff or teams can use this tool to develop detailed plans for implementing your ideas to encourage saving.

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    Craft your key messages to effectively encourage clients to save at tax time.

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    Encourage saving by employing the principle of “anchoring” to set expectations and help clients focus on a specific savings goal.

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    Check out the creative ways some VITA providers have utilized their volunteers, leveraged social media, and offered additional services to their customers.
    Review case studies

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    Help taxpayers prepare to file and save

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    Use these worksheets and handouts with clients before, during, and after their appointment to make sure they’re prepared to file their return and have identified their best options for saving their refund. Many are available in both English and Spanish.

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    Help people keep more of their refund by using free tax preparation services.

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    Help people file for free and get their refunds quickly with direct deposit.

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    Be sure people understand for-fee products like refund advance loans and refund anticipation checks.

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    Walk clients through filing their taxes for free or low cost and claiming the credits they are eligible for.

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    Handout describing alternatives for saving from a tax refund.

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    Free and easy ways to split a tax refund between accounts so people can spend some and save some of their money.

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    Checklist outlining what to bring along to a tax appointment.

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    Checklist to verify all the documents required for a tax appointment.

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    Fill-in-the-blanks worksheet for deciding how much to save.

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    The CFPB helps servicemembers, veterans and military families navigate the unique financial challenges of service through financial resources, monitoring complaints, and holding companies accountable.

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    Protecting those who protect us

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    Research shows that only a small portion of active duty National Guard and Reserve members benefit from lower interest rates through the Servicemembers Civil Relief Act.

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    Financial resources for servicemembers

    The Servicemembers Civil Relief Act (SCRA)

    The SCRA provides servicemembers certain legal and financial protections, including with respect to wrongful foreclosures and repossessions.

    Learn more about SCRA

    The Military Lending Act (MLA)

    The MLA provides servicemembers with important protections on many loan products.

    Illegal military allotment practices

    We also work with the Department of Defense to protect against abuses of the discretionary allotment system.

    Read about abuses of the military allotment system

    We have financial resources for every stage of military service and beyond.

    Credit records of young servicemembers and civilians

    Credit histories play a critical role in military service. We compared credit records of young servicemembers across the military and with civilians of the same age.

    Read the follow-on report on young veterans after military separation (November 2020)

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    Tools and information for military families

    Servicemember complaints

    By analyzing complaints from servicemembers, veterans, and military family members, we can monitor the financial challenges facing this community.

    Read the latest OSA Annual report (June 2023)

    Complaints about identity theft

    Complaint data shows military consumers increasingly report debts caused by identity theft.

    Read the issue brief

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    The Servicemembers Civil Relief Act (SCRA)

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    The Servicemembers Civil Relief Act (SCRA) provides legal and financial protections to those who have answered the Nation’s call to serve.

    The SCRA is a law created to provide extra protections for servicemembers in the event that legal or financial transactions adversely affect their rights during military or uniformed service. These protections enable servicemembers to devote their entire energy to the defense needs of the Nation.

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    The SCRA applies to the following servicemembers:

    • Active duty members of the Army, Marine Corps, Navy, Air Force, and Coast Guard;
    • Members of the Reserve component when serving on active duty;
    • Members of the National Guard component mobilized under federal orders for more than 30 consecutive days; or
    • Active duty commissioned officers of the Public Health Service or the National Oceanic and Atmospheric Administration.

    SCRA rights may be exercised by anyone holding a valid power of attorney for the servicemember. Some SCRA protections also apply to dependents.

    According to the U.S. Department of Justice, these are five protections that servicemembers often ask about:

    Protection #1: Reducing the interest rate on any pre-service loans to a maximum of 6 percent

    If you took out an automobile, home, or student loan or incurred credit card debt prior to becoming a servicemember (also known as a “pre-service obligation”), or if you took out such a loan jointly with your spouse, then you are entitled to have your interest rate reduced to a maximum of 6 percent per year. To receive this benefit you must notify your lender in writing and include a copy of your orders to active duty service or a letter from your commanding officer that shows the date you began active duty service.

    The rate reduction for pre-service obligations applies during the period of active duty service for most loans and, for mortgages, for an additional year after the end of active duty service. When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on active duty. Your lender can’t add the amount of interest above 6 percent back into the loan later on after you leave active duty. You can request an interest rate reduction from your lender at any time while you are serving on active duty and up to 180 days after release from active duty.

    A lender can’t revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender can’t furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances – but you still have to pay back your debts.

    Protection #2: Protections against default judgments in civil cases

    If you are sued while a servicemember on active duty, you have certain legal protections under the SCRA. These include some protections from a default judgment in a civil action. A default judgment is a court order in favor of the party or “plaintiff” suing you when you did not appear or defend yourself against the lawsuit.

    Some of your rights under the SCRA include:

    • Before the court can enter a default judgment, the party suing you must file an affidavit with the court stating whether or not you are in active duty service, and provide facts in support of that statement. If the party suing you is unable to determine whether you are in active duty service, the affidavit must state that fact.
    • If you are in active duty service and have not appeared in a case against you, the court may not enter a default judgment until after it appoints an attorney to represent you.
    • The court also has to permit a delay of proceedings for at least 90 days if certain conditions are met.

    Protection #3: Protections against foreclosure on their home

    If you took out a mortgage before entering active duty service, you can’t be foreclosed on without a court order, unless you have waived your rights. This protection applies while you are on active duty and for an additional one year after leaving active duty. This protection also applies in states that do not require a court order to foreclose and whether or not you told your lender or servicer about your servicemember status.

    Under this SCRA protection, a court may also on its own – and must upon request by a servicemember – pause or stay a foreclosure proceeding or adjust the loan, provided that the servicemember’s ability to pay the loan is materially affected by his or her active duty service.

    As noted in protection #2, the SCRA also provides servicemembers with protections against default judgments, which are rulings against a party to a lawsuit because he or she didn’t appear in court. This protection applies to foreclosure cases before a judge.

    Protection #4: Protections against repossession of their property

    In some circumstances, the SCRA prohibits creditors from repossessing your personal property, including your vehicle, without a court order. That means that even if you violate a contract by, for example, failing to make your monthly payments, the creditor must first file a lawsuit and get an order from a judge before your vehicle or personal property can be repossessed. This protection applies only if you:

    • purchased or leased a vehicle, or other personal property, before entering active duty service; and
    • made a deposit or installment payment on a vehicle, or other personal property, before entering active duty service.

    These federal protections under the SCRA are in addition to any other protections you might have under your state law.

    Even if you’re protected by the SCRA from repossession without a court order, failing to pay your bills could result in violating your contract. As a result, you may be charged fees associated with your failure to pay, such as a late fee. Your missed payments can also be reported to credit reporting companies, and the creditor can try to collect the debt, including by filing a lawsuit against you.

    Protection #5: Termination of residential housing and automobile leases without penalty

    The SCRA provides servicemembers with the right to terminate residential leases of property that is occupied or intended to be occupied by a servicemember or his or her dependents. If you signed a lease for housing prior to active duty service, or if you’re already serving on active duty and receive Permanent Change of Station (PCS) or deployment orders for a period of at least 90 days, then you should be able to terminate your housing lease without penalty.

    To terminate your housing lease, you or someone exercising a power of attorney on your behalf must submit to your landlord a written notice of termination and a copy of your orders – or a letter from your commanding officer – by hand delivery, or by private carrier, by regular postal mail with return receipt requested, or by electronic means (i.e. e-mail, communications portal designated by lender or agent).

    If your lease requires monthly rent payments, termination of a housing lease is effective 30 days after the first date on which the next rental payment is due and payable after the date on which the termination notice is delivered.

    In addition to this right for residential leases, under certain circumstances, the SCRA also allows servicemembers to cancel or terminate an auto lease without paying early termination charges or penalties. In order to terminate an auto lease without penalty under the SCRA, you must have entered into the lease:

    • Prior to entering active duty, and then been called onto active duty for 180 days or longer; or
    • During active duty, and then received orders for:
      • a PCS from a location inside the continental United States (CONUS) to a location outside the continental United States (OCONUS), or a PCS from a location OCONUS to any new location, or
      • deployment with a military or uniformed unit or in support of a military or uniformed operation for 180 days or longer.

    To terminate your auto lease, you or someone exercising a power of attorney on your behalf, must submit to your leasing agent a written notice of termination and a copy of your orders – or a letter from your commanding officer – by hand delivery, by private carrier, by regular postal mail with return receipt requested, or by electronic means (i.e., e-mail, communications portal designated by lender or agent).

    Carefully read your lease terms and consider your situation before signing a contract. The SCRA does not allow you to terminate your contract if you receive PCS orders from one CONUS location to another CONUS location, so if you know you may receive those type of PCS orders, make sure your lessor will allow the vehicle you intend to lease to be taken out of state.

    Conclusion

    The SCRA provides many legal and financial protections to enable servicemembers to focus on their mission with less worry about what is happening back home.

    If you have any questions about your rights under the SCRA, contact your closest military legal office for more information. You can find the closest military legal office at: legalassistance.law.af.mil .

    If you have financial challenges or questions before, during and after military or uniformed service, please visit our web site at: consumerfinance.gov/military-financial-lifecycle.

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    Your Money, Your Goals

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    Your Money, Your Goals is a set of financial empowerment materials for organizations that help people meet their financial goals by increasing their knowledge, skills, and resources.

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    Whether you’re helping people get a job, find a place to live, or deal with a legal problem, money always comes up. You can use these tools to start the conversation.

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    Resources for the people you serve

    Your Money, Your Goals materials can be used in many different settings. If you’re working with people to help set goals and solve financial problems, you’ll find helpful tools and information here.

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    Toolkit

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    Booklets to help talk about money

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    We have everything you need to bring Your Money, Your Goals to your organization. Review our Implementation Guide, watch the trainer videos, adapt the training slides, and you’re on your way.

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    Videos to spark action

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    Youth financial education

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    Developing financial knowledge, skills, and habits is an important stepping stone on young people’s path to adult financial well-being. The tools and resources listed here support K–12 financial education.

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    Finding classroom activities

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    If you work with children and youth, you can help them develop the building blocks of financial capability—at school, at home, and in the community. CFPB's tools and resources can help you teach financial literacy across the curriculum, even if you’re new to the topic.

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    Teaching and learning strategies

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    Incorporate the building blocks of financial capability into your classroom and assess student progress toward key milestones.

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    A developmental model

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    We support educators and community leaders by conducting research and developing resources to improve financial education and support evidence-based policy and program decisions.

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    We provide information, tools, and resources that lead to more effective design and delivery of financial education. You can download or order these materials from our publications page.

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    Findings from CFPB's research suggest that the knowledge, skills, and behaviors associated with adult financial capability stem from three interconnected building blocks developed in youth. These building blocks form a framework for youth financial literacy education.

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    Understanding youth financial capability

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    Youth financial capability skills grow over time and are key to achieving adult financial well-being. Learn how CFPB's three building blocks of financial capability help teachers of all grade levels and subject areas go beyond traditional financial literacy education.

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    Children and youth need all three of the interconnected building blocks to achieve financial capability. Learn more about each of the building blocks below.

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    The thinking skills and abilities needed to plan ahead, focus attention, remember information, practice self-control, and juggle multiple tasks.

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    A developmental model

    The report “Building blocks to help youth achieve financial capability: A new model and recommendations” presents an evidence-based developmental model for building financial capability. It also provides strategies for teaching financial capability from early childhood through adolescence.

    The model outlines a general framework for when children and youth typically acquire skills and traits related to the building blocks of financial capability. These developmental stages establish general benchmarks, since thinking skills may evolve at different rates from person to person, and access to financial decision-making experiences and opportunities may vary.

    Early childhood (ages 3–5)

    • Children begin to develop the foundational skills related to executive function.
    • Basic values and attitudes related to financial concepts begin to form.
    • Children begin to understand math and numbers needed for financial skills.

    Middle childhood (ages 6–12)

    • Executive function skills and behaviors continue to grow.
    • Financial habits and norms really start to take shape as children start to form independent identities, observe how family members and peers interact with money, and begin to learn financial lessons.
    • Children learn basic concepts about money management.

    Adolescence and young adulthood (13–21)

    • Executive function continues to mature.
    • Habits and norms about money continue to develop.
    • Youth solidify financial knowledge and decision-making skills, which become more relevant in their everyday lives.

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    Learn more

    Learn more about the research-based model for developing youth financial capability.

    Read the report

    Read the fact sheet

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    Find financial literacy activities

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    Find activities that can help you teach and nurture the building blocks of financial capability across the curriculum.

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    These classroom activities can be completed within a single class period. Each activity comes with a teacher guide and supporting student material, so it’s easy to implement whether you’re an experienced personal finance teacher, integrating financial literacy into another subject area, or supplementing your existing financial education curriculum.

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      Calculating the numbers in your paycheck

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      Students review a pay stub from a sample paycheck to understand the real-world effect of taxes and deductions on the amount of money they receive.

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      Students practice creating a buying plan and apply this strategy to provide buying advice to others.

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      Students imagine their lives in 10 years and write a fill-in-the-blank letter from their future selves to their current selves.

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      By thinking about their own expenses, students explore how differentiating between needs and wants can inform daily financial decisions and rules to live by.

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      Key information

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    Find out your financial well-being

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    - Answer ten questions to measure your current financial well-being and see steps you can take to improve it. -

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    - Answer the questions and get your score. - You won’t be asked about any personal financial data—it’s not that kind of questionnaire. - See how and why we developed it. -

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    - Review steps you can take - if you want to be able to answer the questions differently. -

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    About you

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    Guide to filing your taxes in 2024

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    2024 tax deadlines
    About filing your tax return
    Different ways to file your taxes
    Understand refund anticipation checks and refund advance loans
    Access your tax refund quickly and safely
    Watch out for tax scams!

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    For 2023 taxes, the IRS is piloting a new online tax filing system that lets you file at no cost, called Direct File. It is available in 12 states. Visit the IRS website for the latest information and see if you can use Direct File and save money on filing your taxes.

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    2024 tax deadlines

    The end of the 2024 tax season for most Americans is April 15, 2024. If you are unable to file before that date, you still have options.

    1. You can file for an extension. Filing an extension gives you an additional six months to October 15, 2024, to submit a complete return. If you believe you will owe taxes, you must estimate how much you owe and pay the amount due with your extension form .
    2. You can file a late return without an extension. If you do not owe taxes or you expect a refund, you may not owe a penalty. If you owe taxes, you may be charged a penalty for filing late.
    3. If you do not owe taxes or you expect a refund, you may not owe a penalty. Still, it may be best to file as soon as you can to receive your refund or to ensure you don’t owe a balance. See below for more information on ways to file a return for free and claiming your tax refund.

    About filing your tax return

    If you have income below the standard deduction threshold for 2023, which is $13,850 for single filers and $27,700 for those married filing jointly, you may not be required to file a return. However, you may want to file anyway. In many cases, especially for people with low incomes, these features can increase the amount you could receive in a refund. There are some key factors to make sure you look out for.

    Over-withholding

    If you worked during 2023 and had taxes withheld from your paycheck, you may be able to get some or all of that “over-withholding” back in your refund. Make sure you get W2 forms from all your employers and enter that information into the tax form when you fill it out.

    The earned income tax credit

    If you worked or were self-employed and had earned income under $63,698, you could receive the Earned Income Tax Credit (EITC) 1 by filing a tax return. If you are eligible for this credit, the maximum amount you could receive is:

    • $600 if you have no dependent children
    • $3,995 if you have one qualifying child
    • $6,604 if you have two qualifying children
    • $7,430 if you have three or more qualifying children

    The child tax credit (CTC)

    The Child Tax Credit is worth a maximum of $2,000 per qualifying child. Up to $1,500 is refundable. To be eligible for the CTC, you must have earned more than $2,500.2

    Different ways to file your taxes

    If you are one of the estimated 100 million people that are eligible to file your tax return for free you can keep all of your refund money by choosing one of these options.

    In person full-service free tax preparation

    If you meet the requirements below, you may be able to take advantage of in-person, full-service tax preparation services through the IRS Volunteer Income Tax Assistance (VITA) , AARP Foundation Tax-Aide, and The Tax Counseling for the Elderly (TCE) programs. These free programs have operated for over 50 years and use IRS certified tax preparers and meet high IRS quality standards. This means you can be assured that you will have an accurate return.

    You can schedule an appointment with VITA/TCE and Tax-Aide sites if you:

    • Generally make $60,000 or less,
    • Have a disability,
    • Have limited English skills or speak English as a second language, or
    • Are 60 years or older

    Find a VITA or an AARP Tax Aide site

    Note: Some VITA or AARP Tax Aide sites are open year-round and some close at the end of tax season. When you search for a site, check the “Dates open” column to find a site that plans to remain open after April 15, 2024.

    Remote full-service free tax preparation

    You can prepare your own return with help from IRS certified volunteers when you need it through MyFreeTaxes if your income is $73,000 or less.

    You can get connected to VITA providers around the country virtually to have your return prepared by signing up through GetYourRefund if your income is $66,000 or less.

    Free self-preparation

    If your income is $73,0003 or less, you may be eligible to prepare and file federal income tax returns for free online, using guided tax preparation software through IRS Free File . Other eligibility for free products varies with providers and some may charge fees to file state returns. Review offers carefully and access this service through the IRS link, rather than going directly to the website for the guided tax preparation software.

    Free tax filing for servicemembers

    You can prepare and file your tax return for free through MilTax if you are:

    • Active-duty service members, spouses and dependent children of the eligible service members.
    • Members of the National Guard and reserve — regardless of activation status.
    • Retired and honorably discharged service members, including Coast Guard veterans, within 365 days of their discharge.
    • A family member who is managing the affairs of an eligible service member while the service member is deployed.
    • A designated family member of a severely-injured service member who is incapable of handling their own affairs.
    • Eligible survivors of active-duty, National Guard and reserve deceased service members regardless of conflict or activation status.
    • Some members of the Defense Department Civilian Expeditionary workforce.

    Consider these factors before using a fee-based tax preparer

    Before choosing to pay someone to prepare your taxes, here are a few things to consider:

    • The fees you pay will generally be based on the complexity of your return. If for example you have multiple sources of income including self-employment, are claiming certain tax credits, or have had changes in your life circumstances during the course of the year you will likely pay more than if you have a simple return.
      • Despite the complexity of your return, you may still be eligible to file your taxes for free if you meet the guidelines listed above so check with the free provider of your choice first before paying to have your taxes done.

    Here are some important tips about selecting a paid preparer:

    • Check the preparer's qualifications. You can use the IRS directory of federal tax return preparers to check a preparer’s credentials.
    • Check the preparer's history. Taxpayers can ask the local Better Business Bureau about the preparer.
    • Ask about service fees. And be wary of preparers who boast about getting bigger refunds than their competition.
    • Make sure the preparer is available after this year's April 15 due date in case you need follow-up help with your taxes.
    • Your tax documents, such as W-2s, are your records. Preparers cannot keep the originals of these documents or keep your ID to force you to use their service. If you file using their service, they will need copies of your documents for their records.
    • Ensure the preparer signs the return and includes their Preparer Tax Identification Number (PTIN). All paid tax preparers must have a PTIN. By law, paid preparers must sign returns and include their PTIN on the return they file.

    If you go to a paid preparer they may offer you additional products that will reduce the amount of your refund such as refund anticipation checks or refund advance loans.

    Understand refund anticipation checks and refund advance loans

    Refund Anticipation Check (RAC)

    If you use a fee-based tax preparer and you don’t have the necessary filing fees, some tax preparers may offer you a refund anticipation check (RAC). A RAC allows you to pay the tax preparation fee out of your refund instead of upfront. When you receive your refund, the tax preparer will take out the RAC fee, filing fee, and any other service fees they charged you. A RAC doesn’t deliver your refund more quickly.

    RAC fees typically range from $30 to $50.

    Refund Advance Loan (RAL)

    Some fee-based tax preparers may offer you a refund advance loan (RAL) so that you can get a portion of your expected refund in advance. Tax preparers may call them a “tax refund advance.” If you decide to do an advance, you will borrow money upfront from the preparer, and once the IRS issues your refund to the tax preparer, you receive the remaining portion, minus the RAL fee, and any other service fees they charged you. The amount of a RAL is typically a percentage of your estimated tax refund.

    All tax preparation firms are different. Some firms offer RALs with no fees or interest, but others may charge fees and interest.

    Keep in mind that when you file electronically, the IRS typically issues most refunds in less than 21 days, so you may end up paying a big RAL fee for a short-term advance.

    As with any financial product or service, carefully consider all fees and charges, as well as timing, to help make an informed decision that’s best for your situation.

    Access your tax refund quickly and safely

    If you think you may receive a refund, here are some things to think about before you file your return:

    • Electronically filing and choosing direct deposit is the fastest way to get your refund. When using direct deposit, the IRS normally issues refunds within 21 days. Issuance of paper check refunds may take much longer. The IRS estimates 4 to 6 weeks.
      • If you already have an account with a bank or credit union, make sure you have your information ready — including the account and routing number — when you file your tax return. You can provide that information on the tax form and the IRS will automatically deposit the funds into your account.
      • If you have a prepaid card that accepts direct deposit, you can also receive your refund on the card. Check with your prepaid card provider to get the routing and account number assigned to the card before you file your return.
    • Learn more about choosing the right prepaid card.
    • If you don’t have a bank account or prepaid card, consider opening an account or getting a prepaid card. Many banks and credit unions offer accounts with low (or no) monthly maintenance fees when you have direct deposit or maintain a minimum balance. These accounts may limit the types of fees you can incur and may also offer free access to in-network automated teller machines (ATMs). You can often open these accounts online.
    • Preparers may suggest receiving your refunds on a prepaid card. The fees associated with these cards vary greatly depending on your provider. Most will charge fees for out-of-network ATMs, so it is important to determine if the network is convenient for you.

    Watch out for tax scams!

    Scammers usually target you by impersonating the IRS to get you to share your personal information with them. Thousands of people have lost millions of dollars and their personal information to tax scams. Scammers use mail, telephone, or email to target individuals, businesses, and payroll and tax professionals.

    The IRS does not initiate contact with taxpayers by email, text messages, or social media channels to request personal or financial information. Learn how to recognize the telltale signs of a scam and make sure you know how to tell if it’s really the IRS calling or knocking on your door.

    Submitting complaints about financial products

    Submit complaints to the CFPB about Refund Advances, Refund Checks, Prepaid Cards and other financial products, using the Submit a Complaint service.

    References

    1. Earned Income and Earned Income Tax Credit (EITC) Tables

    2. Child Tax Credit Amounts

    3. Free File: Do your Federal Taxes for Free

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    Want to share the Managing Someone Else’s Money guides with customers and clients? Learn how to co-brand the CFPB booklets .

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    Whether you’re a servicemember entering basic training or you just hung up the uniform, we can help you handle financial challenges at every step of your military career. Get the resources .

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    Servicemembers are expected to keep their finances in order at every step of their military career. Learn how. 

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    The Servicemembers Civil Relief Act (SCRA)

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    Borrowing money: Your rights under the Military Lending Act (MLA)

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    Servicemembers, arm yourself with basic car buying skills

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    Before you rush off to the nearest car dealer advertising “Military – low payments, no interest, or zero down,” let us arm you with some basic car buying and car financing skills.

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    Strategies for tackling student loan debt

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    You may have options for lowering your interest rates, reducing monthly payments and qualifying for student loan forgiveness based on your public service. Take action today.

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    Servicemembers, take these immediate actions for a strong financial future

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    The immediate actions toward financial freedom include three basic steps: first, pay off high-interest debt; second, set goals and make a financial plan; and third, start saving and investing early.

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    Permanent Change of Station (PCS) and deployments

    Moving is a military fact of life and often means managing financial challenges ranging from dealing with leases to sometimes having others make decisions on your behalf.

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    Whether you’re overseas or in the US, protect your finances with these fraud and identity theft alerts.

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    Delegating financial management during deployment

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    Giving a trusted person the power of attorney to make financial decisions for you while you’re away can provide peace of mind. Learn more about how it works and if it’s for you.

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    PCS’ing with an auto lease

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    Handling PCS orders and an underwater home loan

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    If you owe more on your home than it’s worth and have received PCS orders, you may be able to sell your home and not have to pay back the remaining balance.

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    Transitions and life events

    Learn more about handling other events in your personal financial life, from buying a home to raising a family with strong money management skills.

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    Buying a home: What you need to know

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    Whether you’re just thinking about buying a home or about to close, we can help you take control of the home loan process.

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    Safely consolidating credit card debt

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    If you’re considering rolling your debts into one monthly payment, we have what you need to know and where you can find a non-profit credit counselor to help you explore your options.

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    Set money goals that reflect your life

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    Making a plan ahead of time is the easiest way to navigate changes in income, priorities, or goals.

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    Teach your kids money management skills

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    You can teach your children basic money management skills today with these easy-to-use, age-appropriate activities and discussion topics.

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    Leaving the service and veterans’ issues

    From GI Bill benefits to Social Security, leaving the service requires navigating a different set of financial challenges. 

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    Going to college: Make the most of GI Bill benefits

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    The new GI Bill is the most generous education benefit since WWII. Use the Department of Veterans Affairs tool to make informed decisions when using those hard-earned benefits. 

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    Considering a pension advance? Avoid these traps

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    Many people depend on a pension to cover day-to-day as well as occasional unexpected expenses. Learn how to protect yours.

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    Can debt collectors take your Social Security or VA benefits?

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    Generally, a debt collector cannot take funds from your Social Security or VA benefits directly from your bank account or prepaid card.  

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    Know your Social Security benefits before deciding to retire

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    Our Planning for Retirement interactive tool can help you make an informed decision about when to claim Social Security and what to expect.

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    Are you a professional looking for resources to help servicemembers, veterans, and families?

    See more tools and resources to use with the people you serve

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    No need to be a money expert—the tips and activities here can help your children’s money skills, habits, and attitudes grow.

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    See if your child is reaching age-appropriate money milestones. Then, find activities and conversation starters that can keep your child on track.

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    Talk about money choices

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    Wondering if it’s the right time to talk to your child about a money topic that’s on your mind? It’s not too early—or too late! See how to adapt the conversation to where your child is, developmentally.

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    Read together

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    Money as You Grow Bookshelf can help you weave money skills into the time you may already spend reading to your kids at home, in a way they'll understand.

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    Meet the Money Monsters

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    These Money Monster stories introduce children to ideas, habits, and activities that they'll need as they grow up and start to manage money.

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    See more research, outreach, and engagement tools for children and youth

    See more resources to use with the people you serve

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    Sources and acknowledgements

    The content and activities for parents and caregivers are based on and adapted, with permission, from Money as You Grow. We are grateful to Beth Kobliner and all those who made Money as You Grow possible.

    Money as You Grow was recommended as an initiative by the President's Advisory Council on Financial Capability , chaired by John W. Rogers and vice-chaired by Amy Rosen. The initiative, developed by Beth Kobliner, chair of the Council's Money as You Grow working group, offered essential, age-appropriate financial lessons—with corresponding activities—that kids need to know as they grow. Written in down-to-earth language for children and their families, Money as You Grow helped equip kids with the knowledge they need to live fiscally fit lives. The lessons in Money as You Grow were based on more than a year of research, and drawn from dozens of standards, curricula, and academic studies.

    The CFPB researched the way children develop the abilities and attributes  that contribute to their financial well-being in adulthood. Additional research identified milestones for developing financial capability, and ways to measure it. With support from the Corporation for Enterprise Development and researchers from University of Wisconsin–Madison and University of Maryland, Baltimore County, we developed a framework that connects Money as You Grow activities to children’s financial developmental stages. With that framework in mind, we have updated and adapted the Money as You Grow activities and content.

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    Balancing debt, retirement income, and assets becomes even more important to your financial security as you age. We can help you prepare for the future.

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    The age you claim Social Security affects the amount of monthly benefits you’ll receive. We’ll help you think through this decision.

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    Your retirement income

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    Deciding when to take social security and how to use your pension are some of the most important decisions you can make in retirement. 

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    Protect your retirement pension

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    If you are considering a pension advance, follow these dos and don’ts.

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    When will you claim Social Security?

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    The amount of your monthly Social Security retirement benefit depends on the age at which you claim.

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    Considering a lump sum pension payout? Consider these tips.

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    While a lump sum payout can give you the flexibility of choosing whether to invest or save your money, there are risks, too.

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    Pension advance traps to avoid

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    Pension advances may seem like a quick fix to your financial problems, but they could be a scam.

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    Your home and retirement

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    Your home and the equity you have accrued can provide a safety net for your retirement years. 

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    What is a home equity loan?

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    Learn how home equity loans work, and whether it’s a good idea to borrow against the savings you’ve built up in your home.

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    Considering a reverse mortgage?

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    If you are thinking about borrowing a reverse mortgage loan, be sure to carefully consider all your options.

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    Don’t be misled by reverse mortgage advertising

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    Don’t be fooled by reverse mortgage advertising that doesn’t mention the risks.

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    Steps you should take if you have a reverse mortgage

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    Reverse mortgages can affect others in your home.

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    Planning for the future

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    Because you are likely to spend 20 or more years in retirement, you may need help making financial decisions as you age.

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    Need help managing your money or someone else’s?

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    If you need help managing your finances or you’re helping someone else, this guide will clarify your role and responsibilities.

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    Plan for financial decisions as you age

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    As we age, sometimes we lose confidence in our ability to manage our own money and property.

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    Know your financial adviser

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    Choosing a financial adviser can be challenging, especially since your needs are likely to change with age. 

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    Is aging in place right for you?

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    Although the promise of staying put is attractive, it might not be the best option for you.

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    Managing your debt

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    More older consumers are carrying debt into retirement. Learn how to prevent debt from jeopardizing your financial security. 

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    Three tips to keeping your retirement plan on track

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    Many seniors are paying a mortgage well into retirement. If you’re one of them, make sure it doesn’t throw a wrench into your retirement plans.

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    Four tips for older student loan borrowers

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    Struggling to make monthly federal student loan payments, or wondering about your responsibilities as a loan co-signer? 

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    Seven ways to keep medical debt in check

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    From negotiating your bills to keeping proper documentation, there are many things you can do to manage medical debt. 

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    هل تواجه مشاكل في إرسال الأموال إلى بلد آخر؟

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    لقد أتيت إلى المكان الصحيح. مكتب الحماية المالية للمستهلكين (Consumer Financial Protection Bureau, CFPB) هو وكالة حكومية أمريكية مخصصة للتأكد من معاملتك معاملة منصفة من قبل البنوك والمقرضين والمؤسسات المالية الأخرى. نحن ننظم الشركات التي تقدم تحويلات الأموال.

    في هذه الصفحة:

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    تعرف على ما يجب عليك فعله أولاً

    إذا كنت تواجه مشكلة في تحويل الأموال، فاتصل بالشركة على الفور.

    في بعض الحالات، يمكنك استرداد أموالك أو إعادة إرسال التحويل دون أي تكلفة إضافية.

    إلغاء تحويل الأموال

    بشكل عام، يمكنك إلغاء تحويل الأموال الدولي في غضون 30 دقيقة بعد إرساله. هناك استثناء: عندما يكون الشخص الذي يتلقى الأموال قد استلمها بالفعل أو تم إيداع الأموال في حسابه. وأنت لا تدفع رسومًا للإلغاء.

    عند الاتصال بالشركة، كن مستعدًا واحتفظ بمعلوماتك في متناول اليد

    • اسمك وعنوانك ورقم هاتفك ورقم حسابك أو رقم المعاملة
    • ما حدث – بوضوح ودقة قدر الإمكان
    • ما تحتاجه لإصلاح المشكلة
    • المستندات أو لقطات الشاشة التي توضح ما حدث
    • يوضع في الاعتبار
      • عدم نشر بياناتك الشخصية أبدا على وسائل التواصل الاجتماعي أو مواقع المراجعة
      • تجنب اللغة الغاضبة أو الساخرة أو التهديدية
      • احتفظ بالملاحظات أثناء تنقلك - مع مَن تحدثت ومتى وماذا قالوا

    لديك الحق في التحقيق في المشاكل

    يمكنك الإبلاغ عن مشكلة في التحويل خلال فترة أقصاها 180 يومًا من تاريخ توفر الأموال، وفقًا للتاريخ الموضح في إيصالك. يجب على الشركة أن تنظر في الأمر خلال 90 يومًا من تاريخ إخطارهم ويجب أن تبلغك بالنتائج. في بعض الحالات، يمكنك استرداد أموالك أو إرسال التحويل مرة أخرى.

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    اعرف كيف يمكن لـ CFPB مساعدتك

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    تقديم شكوى بخصوص تحويل الأموال

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    إذا كنت حاولت بالفعل التواصل مع الشركة ولم يتم حل مشكلتك، فيمكنك تقديم شكوى إلى CFPB. أخبرنا بمشكلتك، ونحن سنرسلها إلى الشركة ونعمل على الرد عليك، عادةً في غضون 15 يومًا.

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    احصل على إجابات للأسئلة المتداولة حول تحويل الأموال (الإجابات باللغة الإنجليزية)

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    للحصول على إجابات للأسئلة الشائعة الأخرى، راجع جميع مواردنا المتعلقة بتحويل الأموال.

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    المعلومات التي تتلقاها قبل الدفع وبعده

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    عند إرسال أموال إلى بلد آخر، تُطبّق القوانين الفيدرالية بشكل عام. فيما يلي أمثلة على المعلومات التي يُطلب من معظم مقدمي الخدمة تقديمها لك قبل وبعد إرسال الأموال.

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    - لقطة شاشة لإيصال تحويل الحوالة الذي تم تسليمه قبل اكتمال المعاملة. تُظهر مبلغ التحويل ورسوم التحويل وضرائب التحويل والتكلفة الإجمالية. ثم تُظهر سعر الصرف. ثم تُظهر مبلغ التحويل والرسوم الأخرى والإجمالي للمستلم. قد يحصل المستلم على مبلغ أقل بسبب الرسوم التي يفرضها بنك المستلم والضرائب الأجنبية.
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    قبل إرسال الأموال، ترى بشكل عام ما يلي:

    • التكلفة الإجمالية للتحويل، بما في ذلك الضرائب والرسوم
    • سعر الصرف إن وجد
    • إجمالي المبلغ المتوقع تسليمه إلى المستلم، ولكن مع الأخذ في الاعتبار أن الشخص الذي يحصل على الأموال قد يتم فرض رسوم عليه من قبل البنك الذي يتعامل معه أو قد يخضع لضرائب بلده
    • وبما أنك تتلقى هذه المعلومات قبل إرسال الأموال، فيمكنك البحث ومقارنة التكاليف مع الشركات الأخرى
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    • إجمالي تكلفة التحويل — في نموذج الإيصال، يُشار إليها باسم "TOTAL" (إجمالي)
    • سعر الصرف، إن وجد
    • إجمالي المبلغ المتوقع تسليمه إلى المستلم - في نموذج الإيصال، يُسمى "TOTAL TO RECIPIENT" (الإجمالي للمستلم)
    • متى سيكون المال متاحًا
    • ماذا تفعل في حالة حدوث خطأ
    • تعليمات حول ممارسة حقك في إلغاء التحويلات
    • كيفية تقديم استفسار أو شكوى بشأن الشركة، بما في ذلك معلومات حول كيفية الاتصال بـ CFPB ووكالة الولاية التي تنظم الشركة
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    Èske ou gen pwoblèm pou w voye lajan nan yon lòt peyi?

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    Ou vini bon kote a. Biwo Pwoteksyon Finansye Konsomatè a (Consumer Financial Protection Bureau, CFPB) se yon ajans gouvènman Etazini ki la pou l asire li bank, pretè ak lòt enstitisyon finansye yo trete w san patipri. Nou reglemante konpayi ki fè transfè lajan yo.

    Sou paj sa a:

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    Konnen sa pou w fè anvan

    Si ou genyen yon pwoblèm pou w fè yon transfè lajan, kontakte konpayi a touswit.

    Nan kèk ka, li posib pou yo remèt ou lajan an oswa ou ka fè yo refè transfè a san w pa peye frè anplis.

    Fason pou w anile yon transfè lajan

    An jeneral, ou kapab anile yon transfè lajan ou voye aletranje nan espas 30 minit apre w fin voye l. Genyen yon eksepsyon: lè moun k ap resevwa lajan an deja pran l oswa yo deja depoze lajan an sou kont li. Ou p ap peye frè pou w anile transfè a.

    Lè ou kontakte konpayi a, asire w pare epi ou genyen tout enfòmasyon ou bezwen yo ki se

    • Non ou, adrès ou, nimewo telefòn ou, ak nimewo kont ou oswa nimewo tranzaksyon w lan
    • Sa k pase—bay eksplikasyon ki klè ak egzak nan mezi ou kapab
    • Sa ou bezwen pou w ka rezoud pwoblèm nan
    • Dokiman oswa imaj ki montre sa k pase a
    • Pa bliye
      • Pinga ou janm pibliye enfòmasyon pèsonèl ou yo ni sou sit medya sosyal yo ni sou sit evalyasyon yo
      • Evite pwopo kolerik, iwonik, oswa menasan
      • Pran nòt ofiyamezi—moun ou pale avèk yo, ki lè w pale avèk yo, epi ki sa yo di ou

    Ou gen dwa pou yo mennen ankèt sou pwoblèm ou an

    Ou kapab siyale yon pwoblèm ou genyen avèk yon transfè jiska 180 jou apati dat kòb la fin disponib lan, selon dat ki afiche sou resi w la. Fòk konpayi a mennen yon ankèt sou pwoblèm lan nan espas 90 jou apre dat ou te fin mete li okouran an epi fòk li ba w rezilta yo. Nan kèk ka, li posib pou yo remèt ou lajan an oswa ou ka fè yo voye transfè a ankò.

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    Dekouvri fason CFPB kapab ede ou

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    Depoze yon plent konsènan yon transfè lajan

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    Si w te deja eseye kontakte konpayi a epi li pa t rezoud pwoblèm ou an, ou kapab depoze yon plent nan CFPB. Eksplike nou pwoblèm ou genyen an—n ap transfere li bay konpayi a epi n ap travay pou w jwenn yon repons, jeneralman nan espas 15 jou.

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    Jwenn repons pou kesyon moun poze souvan sou zafè transfè lajan (repons yo an Anglè)

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    Pou w jwenn repons pou lòt kesyon moun poze souvan yo, gade tout resous nou yo sou zafè transfè lajan.

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    Enfòmasyon ou resevwa anvan ou peye epi apre ou fin peye

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    Lè ou voye lajan nan yon lòt peyi, lwa federal yo jeneralman aplike. Pi ba a genyen kèk egzanp enfòmasyon pifò konpayi transfè yo oblije ba ou anvan w voye lajan an epi apre w fin voye lajan an.

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    - Foto ekran ki montre resi pou yon transfè pou peman ki livre, anvan tranzaksyon an fini. Li montre montan transfè a, frè transfè yo, taks sou transfè a, pri total la. Apre sa li montre to echanj la. Apre sa li montre montan transfè a ak lòt frè yo, ak total la pou moun k ap resevwa li an. Moun k ap resevwa a gen dwa resevwa mwens poutèt frè bank moun k ap resevwa a fè peye yo ak taks etranje yo.
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    Anvan ou voye lajan an, men sa ou wè jeneralman:

    • Frè total transfè a, ki gen ladan l taks ak frè yo
    • To echanj lan, si sa nesesè
    • Montan total yo ap bay benefisyè a. Pa bliye, bank moun k ap resevwa lajan an kapab fè li peye frè osnon peyi kote moun k ap resevwa lajan an ye a gendwa pran taks pa li tou
    • Piske ou resevwa enfòmasyon sa yo anvan ou voye lajan an, ou kapab ale nan lòt konpayi yo pou w konpare frè transfè yo
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    - Foto ekran ki montre resi pou yon transfè pou peman ki livre, lè tranzaksyon an fini. Li montre dat lajan an ap disponib, montan transfè a, frè transfè yo, taks sou transfè a, ak pri total la. Apre sa li montre to echanj la. Apre sa li montre montan transfè a ak lòt frè yo, ak total la pou moun k ap resevwa li an. Moun k ap resevwa a gen dwa resevwa mwens poutèt frè bank moun k ap resevwa a fè peye yo ak taks etranje yo. Apre sa li montre dwa pou konteste erè, dwa anile pou jwenn ranbousman konplè, ak nimewo telefòn ak sit entènèt pou kontakte si ou gen kesyon oswa plent.
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    Apre ou fin voye lajan an, men sa ou wè jeneralman:

    • Frè transfè a antou—sou resi yo ba w la, ou ap wè yo ekri "TOTAL" (TOTAL)
    • To echanj, si sa nesesè
    • Montan total yo ap bay benefisyè a—sou resi yo ba w la, ou ap wè yo ekri "TOTAL TO RECIPIENT" (TOTAL KI PRAL JWENN BENEFISYÈ A)
    • Kilè lajan an ap disponib
    • Kisa pou l fè sizoka ta gen yon erè
    • Enstriksyon sou fason pou w egzèse dwa ou pou anile transfè yo
    • Fason pou w poze yon kesyon oswa depoze yon plent pou konpayi a, tankou enfòmasyon sou fason pou w kontakte CFPB ak ajans nan Eta a ki reglemante konpayi an

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    해외 송금 문제 해결 방법

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    잘 찾아오셨습니다. 소비자금융보호국(Consumer Financial Protection Bureau, CFPB)은 소비자가 은행, 대출업체 및 기타 금융기관으로부터 공정한 대우를 받도록 보장하기 위해 설립된 미국 정부기관입니다. 송금 서비스를 제공하는 업체에 대한 감독도 실시하고 있습니다.

    본 페이지 내용 :

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    먼저 해야 할 일을 확인하세요

    송금과 관련하여 문제가 생겼다면, 즉시 해당 업체에 연락해야 합니다.

    경우에 따라 환불을 받거나 추가 비용 없이 송금을 다시 할 수 있습니다.

    송금 취소

    일반적으로 해외 송금은 송금 후 30분 이내에 취소할 수 있습니다. 단, 수취인이 이미 돈을 찾았거나 돈이 수취인의 계좌에 입금된 경우에는 예외입니다. 취소 수수료는 부과되지 않습니다.

    해당 업체에 연락할 때 준비해야 할 정보와 주의사항

    • 송금인의 이름, 주소, 전화번호 및 계좌번호 또는 거래 번호
    • 발생한 일에 대해 최대한 명확하고 간결한 설명
    • 문제를 해결하기 위해 필요한 조치
    • 발생한 문제를 입증할 수 있는 문서나 화면 캡처
    • 주의사항
      • 개인 정보를 소셜 미디어 또는 후기 사이트에 절대 게시하지 말기
      • 화를 내거나, 빈정대거나, 위협적인 언어 사용은 피하기
      • 누구와 언제, 무엇에 대해 대화했는지 진행 과정을 기록하기

    문제에 대해 조사를 요구할 권리

    영수증에 표시된 날짜를 기준으로 자금이 사용 가능해진 날로부터 180일 이내에 송금에 대한 문제를 신고할 수 있습니다. 해당 업체는 문제 제기 후 90일 이내에 이 문제에 대해 조사해야 하며, 조사 결과를 알려야 합니다. 경우에 따라 환불을 받거나 송금을 다시 할 수 있습니다.

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    CFPB가 어떻게 도움을 줄 수 있는지 알아보세요

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    송금 문제에 대한 민원 접수

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    이미 해당 업체에 연락을 했지만 문제가 해결되지 않았다면, CFPB에 민원을 접수할 수 있습니다. 문제 상황을 알려주시면 민원을 해당 업체에 전달하고 일반적으로 15일 이내에 답변을 받을 수 있도록 도와드립니다.

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    송금과 관련해 자주 묻는 질문에 대한 답변 찾기(영문 답변)

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    이 외의 자주 묻는 질문에 대한 답변은 송금에 관한 모든 자료를 확인하시기 바랍니다.

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    결제 전후에 어떤 정보를 받게 되는지 알아보세요

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    다른 나라로 돈을 송금하면 일반적으로 연방법이 적용됩니다. 다음은 대부분의 업체에서 소비자에게 송금하기 전과 후에 제공해야 하는 정보의 예시입니다.

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    - 거래 완료 전 전달된 송금 이체 영수증 화면 캡쳐. 이체금, 이체 수수료, 이체 세금, 총 비용이 나옵니다. 그리고 환전율이 나옵니다. 그리고 이체 금액과 기타 수수료 및 수령인이 받을 총 금액이 나옵니다. 수령인의 은행 수수료 및 외국 세금 부과로 인해 수령 금액이 원 금액보다 적을 수도 있습니다.
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    송금 전에는 일반적으로 다음 정보를 받게 됩니다.

    • 세금 및 수수료를 포함한 총 송금 비용
    • 적용되는 경우 환율
    • 수취인이 받게 될 총 예상 금액(단, 수취인의 은행 수수료 또는 해당 국가의 세금이 부과될 수 있음)
    • 이 정보는 송금 전에 제공되기 때문에 여러 업체의 비용을 비교하여 가장 좋은 조건을 찾을 수 있습니다
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    - 거래 완료 후 전달되는 송금 이체 영수증 화면 캡쳐. 돈을 사용할 수 있는 날짜, 이체 금액, 이체 수수료, 이체 세금 및 총 비용이 나옵니다. 그리고 환전율이 나옵니다. 그리고 이체 금액과 기타 수수료 및 수령인이 받을 총 금액이 나옵니다. 수령인의 은행 수수료 및 외국 세금 부과로 인해 수령 금액이 원 금액보다 적을 수도 있습니다. 그 다음에는 오류에 대해 이의를 제기할 권리, 전액 환불을 위해 취소할 권리 및 문의 사항 또는 불만에 대해 연락할 전화번호 및 웹사이트가 나옵니다.
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    송금 후에는 일반적으로 다음 정보를 받게 됩니다.

    • 총 송금 비용(예시 영수증에는 "TOTAL"이라고 표시됨)
    • 적용되는 경우 환율
    • 수취인이 받게 될 총 예상 금액(예시 영수증에는 "TOTAL TO RECIPIENT"라고 표시됨)
    • 자금이 사용 가능해지는 날짜
    • 오류 발생 시 대처 방법
    • 송금 취소 권리를 행사하는 방법
    • CFPB 및 해당 업체를 규제하는 주 정부기관에 연락하는 방법을 포함하여 업체에 대한 문의 사항 또는 민원을 접수하는 방법
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    Трудности с переводом денег в другую страну?

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    Вы обратились по адресу. Бюро финансовой защиты потребителей (Consumer Financial Protection Bureau, CFPB) — это государственное агентство США, занимающееся обеспечением справедливого отношения к вам со стороны банков, кредиторов и других финансовых учреждений. Мы регулируем компании, осуществляющие денежные переводы.

    На этой странице:

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    Узнайте, с чего начать

    Если у вас возникли трудности с переводом денег, немедленно свяжитесь с компанией.

    В некоторых случаях вы можете получить возмещение или повторный перевод без дополнительной платы.

    Отмена денежного перевода

    Как правило, вы можете отменить международный денежный перевод в течение 30 минут после его отправки. Есть исключение: когда человек, получающий деньги, уже забрал их или деньги поступили на его счет.

    При обращении в компанию подготовьтесь и держите наготове необходимую информацию

    • Ваше имя, адрес, номер телефона и номер счета или номер транзакции
    • Описание произошедшего — как можно более ясное и по существу
    • Что вам нужно для разрешения проблемы
    • Документы или снимки экранов, показывающие, что именно произошло
    • Имейте в виду
      • Ни в коем случае не публикуйте свои личные данные в социальных сетях или на сайтах отзывов
      • Избегайте резких, саркастических или угрожающих выражений
      • Делайте заметки по ходу дела: с кем вы разговаривали, когда и что они говорили

    У вас есть право возбудить расследование проблем

    Вы можете сообщить о проблеме с переводом в течение 180 дней с даты поступления средств в соответствии с датой, указанной в квитанции. Компания обязана рассмотреть ваш вопрос в течение 90 дней с момента подачи вашего извещения, а затем сообщить вам о результатах. В некоторых случаях вы можете получить возмещение или отправить перевод повторно.

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    Выясните, как CFPB может вам помочь

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    Подать жалобу о денежном переводе

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    Если вы уже попытались связаться компанией, и ваша проблема не была разрешена, вы можете подать жалобу в CFPB. Расскажите нам о своей проблеме: мы направим вашу жалобу в компанию и постараемся получить ответ, как правило, в течение 15 дней.

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    Найти ответы на часто задаваемые вопросы о денежных переводах (ответы на английском языке)

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    Чтобы найти ответы на другие часто задаваемые вопросы, обратитесь к нашим ресурсам по денежным переводам.

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    Информация, которую вы получаете до и после оплаты

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    Когда вы переводите деньги в другую страну, обычно действуют федеральные законы. Ниже приведены примеры информации, которую большинство поставщиков услуг обязаны предоставить вам до и после перевода денег.

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    - Скриншот квитанции о денежном переводе, доставленный до завершения транзакции. На нем указана сумма перевода, плата за перевод, налоги за перевод, общая стоимость. Затем отображается курс обмена. Затем отображается сумма перевода и другие сборы, а также общая сумма получателю. Получатель может получить меньшую сумму из-за сборов, взимаемых банком получателя, и иностранных налогов.
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    Перед переводом денег вы обычно видите:

    • Полную стоимость перевода с учетом налогов и сборов
    • Обменный курс, если он применяется
    • Общую сумму, которая должна быть выдана получателю. Однако имейте в виду, что с лица, получающего деньги, могут взиматься сборы, установленные его банком, или налоги его страны.
    • Поскольку вы получаете эту информацию до отправки денег, вы можете рассмотреть и сравнить предложения других компаний.
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    - Скриншот квитанции о денежном переводе, доставленный до завершения транзакции. На нем отображается дата доступности денег, сумма перевода, сборы за перевод, налоги за перевод и общая стоимость. Затем отображается курс обмена. Затем отображается сумма перевода и другие сборы, а также общая сумма получателю. Получатель может получить меньшую сумму из-за сборов, взимаемых банком получателя, и иностранных налогов. Затем отображается право на оспаривание ошибок, право на отмену с полным возвратом средств, а также номера телефонов и вебсайты для обращений с вопросами или жалобами.
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    После перевода денег вы обычно видите:

    • Полную стоимость перевода — на образце квитанции она помечена словом «TOTAL» («ИТОГО»)
    • Обменный курс, если он применяется
    • Общую сумму, которая должна быть выдана получателю, — на образце квитанции она помечена словами «TOTAL TO RECIPIENT» («ИТОГО К ВЫДАЧЕ»)
    • Когда деньги можно будет получить
    • Что делать в случае ошибки
    • Инструкции по осуществлению вашего права отмену переводов
    • Как подать запрос или жалобу о компании, в том числе информацию о том, как связаться с CFPB и агентством штата, контролирующим данную компанию
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    Nagkakaproblema sa pagpapadala ng pera sa ibang bansa?

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    Nagtungo ka sa tamang lugar. Ang Kawanihan ng Pinansyal na Proteksyon sa Mamimili (Consumer Financial Protection Bureau, CFPB) ay isang ahensya ng pamahalaan ng U.S. na nakatuon sa pagtitiyak na tinatrato ka nang patas ng mga bangko, nagpapautang, at iba pang mga pinansyal na institusyon. Pinangangasiwaan namin ang mga kumpanyang nagkakaloob ng mga pagpapadala ng pera.

    Sa pahinang ito:

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    Alamin muna ang gagawin

    Kung nagkakaproblema ka sa pagpapadala ng pera, agad na makipag-ugnayan sa kumpanya.

    Sa ilang kaso, maaari kang makatanggap ng refund o muling maipapadala ang padala nang walang dagdag na bayad.

    Pagkansela ng pagpapadala ng pera

    Sa pangkalahatan, maaari mong kanselahin ang internasyonal na pagpapadala ng pera sa loob ng 30 minuto pagkatapos itong maipadala. May eksepsyon: kapag ang taong tatanggap ng pera ay natanggap na ito o ang pera ay naideposito na sa kanilang account. Hindi ka magbabayad ng singil para sa pagkansela.

    Kapag nakipag-ugnayan ka sa kumpanya, maging handa at ihanda ang iyong impormasyon

    • Ang iyong pangalan, address, numero ng telepono, at numero ng account o numero ng transaksyon
    • Ano ang nangyari—malinaw at diretso sa punto hangga't maaari
    • Ano ang kailangan mo para malutas ang problema
    • Mga dokumento o screen shot na nagpapakita ng kung ano ang nangyari
    • Ang tatandaan
      • Huwag na huwag ipo-post ang iyong personal na data sa social media o mga review site
      • Iwasan ang galit, sarkastiko, o mapanakot na salita
      • Magtala habang nagpapatuloy ka—sino ang nakausap mo, kailan, at ano ang sinabi nila

    May karapatan ka sa pag-iimbestiga ng mga problema

    Maaari kang mag-ulat ng problema sa pagpapadala hanggang 180 araw mula sa petsa na makukuha ang mga pondo, ayon sa petsang ipinapakita sa iyong resibo. Kailangan itong siyasatin ng kumpanya sa loob ng 90 araw mula ng inabisuhan mo sila at kailangang iulat ang mga resulta sa iyo. Sa ilang kaso, maaari kang makakuha ng refund o muling maipapadala ang padala.

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    Alamin kung paano makakatulong ang CFPB

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    Magsumite ng reklamo tungkol sa pagpapadala ng pera

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    Kung sinubukan mo nang makipag-ugnayan sa kumpanya at hindi nalutas ang iyong problema, maaari kang magsumite ng reklamo sa CFPB. Ipaalam sa amin ang tungkol sa iyong problema—ipapadala namin ito sa kumpanya at magsusumikap upang makuha ang sagot para sa iyo, na karaniwan sa loob ng 15 araw.

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    Hanapin ang mga sagot sa mga madalas itanong tungkol sa pagpapadala ng pera (nasa Ingles ang mga sagot)

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    Para sa mga sagot sa iba pang mga madalas itanong, tingnan ang lahat ng aming mga sanggunian tungkol sa pagpapadala ng pera.

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    Impormasyong tinatanggap mo bago at pagkatapos mong magbayad

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    Kapag nagpadala ka ng pera sa ibang bansa, karaniwang naaangkop ang mga pederal na batas. Nasa ibaba ang mga halimbawa ng impormasyon na karaniwang kinakailangang ibigay sa iyo ng mga tagapagpaloob bago at pagkatapos mong magpadala ng pera.

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    - Screenshot ng resibo sa pag-transfer ng remittance na ipinadala bago makumpleto ang transaksyon. Ipinapakita nito ang halaga ng nai-transfer, mga singil sa pag-transfer, mga buwis sa pag-transfer, kabuuang gastos. Pagkatapos ay ipinapakita nito ang halaga ng palitan. Pagkatapos ay ipinapakita nito ang halaga ng pag-transfer at iba pang mga singil, at ang kabuuan para sa tagatanggap. Maaaring mas mababa ang makuha ng tagatanggap dahil sa mga ipinataw na singil ng bangko ng tagatanggap at mga buwis sa ibang bansa.
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    Bago magpadala ng pera, karaniwang makikita mo ang:

    • Kabuuang gastos sa pagpapadala, kasama ang mga buwis at singil
    • Halaga ng palitan, kung naaangkop
    • Kabuuang halagang inaasahang maipadala sa tumatanggap, ngunit pakatandaan na ang taong tumatanggap ng pera ay maaaring patawan ng mga singil ng kanilang bangko o sumailalim sa mga buwis sa kanilang bansa
    • Dahil natatanggap mo ang impormasyong ito bago ka magpadala ng pera, maaari kang magtingin-tingin sa iba at paghambingin ang mga gastos sa iba pang mga kumpanya
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    - Screenshot ng resibo sa pag-transfer ng remittance na ipinadala pagkatapos makumpleto ang transaksyon. Ipinapakita nito ang petsa kung kailan makukuha ang pera, ang halaga ng nai-transfer, mga singil sa pag-transfer, mga buwis sa pag-transfer, at ang kabuuang gastos. Pagkatapos ay ipinapakita nito ang halaga ng palitan. Pagkatapos ay ipinapakita nito ang halaga ng pag-transfer at iba pang mga singil, at ang kabuuan para sa tagatanggap. Maaaring mas mababa ang makuha ng tagatanggap dahil sa mga ipinataw na singil ng bangko ng tagatanggap at mga buwis sa ibang bansa. Pagkatapos ay ipinapakita nito ang karapatang tumutol dahil sa mga pagkakamali, ang karapatang magkansela para sa buong refund, at ang mga numero ng telepono at web site na kokontakin para sa mga tanong o reklamo.
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    Pagkatapos magpadala ng pera, karaniwang makikita mo ang:

    • Kabuuang gastos sa pagpapadala—sa sampol na resibo, ito ay pinangalanang "TOTAL" (KABUUAN)
    • Halaga ng palitan, kung naaangkop
    • Kabuuang halagang inaasahang maipadala sa tumatanggap—sa sampol na resibo, ito ay pinangalanang "TOTAL TO RECIPIENT" (KABUUAN SA TUMATANGGAP)
    • Kailan makukuha ang pera
    • Ano ang gagawin sakaling may pagkakamali
    • Mga instruksyon sa paggamit ng iyong karapatan para ikansela ang mga pagpapadala
    • Paano magsumite ng tanong o reklamo tungkol sa kumpanya, kabilang ang impormasyon sa kung paano makikipag-ugnayan sa CFPB at sa ahensya ng estado na nangangasiwa sa kumpanya
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    Gặp trở ngại khi gửi tiền đến quốc gia khác?

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    Quý vị đến đúng chỗ rồi. Chúng tôi là Cục Bảo Vệ Tài Chính Người Tiêu Dùng (Consumer Financial Protection Bureau, CFPB), một cơ quan của chính phủ Hoa Kỳ quyết tâm đảm bảo quý vị được các ngân hàng, bên cho vay và các tổ chức tài chính khác đối xử một cách công bằng. Chúng tôi quản lý các công ty cung cấp dịch vụ chuyển tiền.

    Trên trang này:

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    Biết phải làm gì đầu tiên

    Nếu quý vị gặp vấn đề với việc chuyển tiền, hãy liên hệ ngay với công ty.

    Trong một số trường hợp, quý vị có thể nhận được tiền hoàn lại hoặc gửi lại giao dịch chuyển khoản mà không mất thêm phí.

    Hủy giao dịch chuyển tiền

    Thông thường, quý vị có thể hủy giao dịch chuyển tiền quốc tế trong vòng 30 phút sau khi gửi. Có một ngoại lệ: khi người nhận tiền đã nhận tiền hoặc tiền đã được gửi vào tài khoản của họ. Quý vị không phải trả phí cho việc hủy bỏ.

    Khi quý vị liên hệ với công ty, hãy chuẩn bị sẵn sàng thông tin của quý vị

    • Tên, địa chỉ, số điện thoại và số tài khoản hoặc số giao dịch của quý vị
    • Điều gì đã xảy ra—rõ ràng và chính xác nhất có thể
    • Những gì quý vị cần để khắc phục vấn đề
    • Tài liệu hoặc ảnh chụp màn hình cho thấy những gì đã xảy ra
    • Luôn ghi nhớ
      • Không bao giờ đăng dữ liệu cá nhân của quý vị lên mạng xã hội hoặc các trang đánh giá
      • Tránh ngôn ngữ giận dữ, mỉa mai hoặc đe dọa
      • Ghi chú khi quý vị thực hiện—quý vị đã nói chuyện với ai, khi nào và họ đã nói gì

    Quý vị có quyền điều tra các vấn đề

    Quý vị có thể báo cáo sự cố với giao dịch chuyển khoản trong vòng 180 ngày kể từ ngày chuyển tiền, theo ngày ghi trên biên nhận của quý vị. Công ty phải xem xét vấn đề đó trong vòng 90 ngày kể từ khi quý vị thông báo cho họ và phải báo cáo kết quả cho quý vị. Trong một số trường hợp, quý vị có thể được hoàn lại tiền hoặc gửi lại khoản chuyển khoản.

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    Tìm hiểu cách CFPB có thể trợ giúp

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    Gửi khiếu nại về việc chuyển tiền

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    Nếu quý vị đã cố gắng liên hệ với công ty và vấn đề của quý vị vẫn chưa được giải quyết, quý vị có thể gửi khiếu nại với CFPB. Hãy cho chúng tôi biết về vấn đề của quý vị—chúng tôi sẽ chuyển tiếp vấn đề đó đến công ty và làm việc với họ để nhận được phản hồi cho quý vị, thường trong vòng 15 ngày.

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    Tìm câu trả lời cho các câu hỏi thường gặp về việc chuyển tiền (câu trả lời bằng tiếng Anh)

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    Để có câu trả lời cho các câu hỏi thường gặp khác, hãy xem tất cả nguồn lực hỗ trợ của chúng tôi về chuyển tiền.

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    Thông tin quý vị nhận được trước và sau khi thanh toán

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    Khi quý vị gửi tiền đến một quốc gia khác, luật liên bang thường được áp dụng. Dưới đây là ví dụ về thông tin mà hầu hết các nhà cung cấp phải cung cấp cho quý vị trước và sau khi quý vị gửi tiền.

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    - Ảnh chụp màn hình biên lai chuyển tiền quốc tế được cung cấp trước khi hoàn thành giao dịch. Biên lai hiển thị số tiền chuyển khoản, phí chuyển khoản, thuế chuyển khoản, tổng chi phí. Đồng thời, biên lai hiển thị tỷ giá hối đoái. Ngoài ra, biên lai hiển thị số tiền chuyển khoản và các khoản phí khác cũng như tổng số tiền gửi đến người nhận. Người nhận có thể nhận được số tiền ít hơn do ngân hàng của người nhận tính phí và thuế nước ngoài.
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    Trước khi gửi tiền, quý vị thường thấy:

    • Tổng chi phí chuyển nhượng bao gồm thuế, phí
    • Tỷ giá hối đoái, nếu có
    • Tổng số tiền dự kiến sẽ được chuyển đến người nhận, tuy nhiên, hãy nhớ rằng người nhận tiền có thể bị ngân hàng tính phí hoặc phải chịu thuế của quốc gia họ
    • Vì quý vị nhận được thông tin này trước khi gửi tiền nên quý vị có thể tham khảo và so sánh chi phí với các công ty khác.
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    - Ảnh chụp màn hình biên lai chuyển tiền quốc tế được cung cấp sau khi hoàn thành giao dịch. Biên lai hiển thị ngày nhận tiền, số tiền chuyển khoản, phí chuyển khoản, thuế chuyển khoản và tổng chi phí. Đồng thời, biên lai hiển thị tỷ giá hối đoái. Ngoài ra, biên lai hiển thị số tiền chuyển khoản và các khoản phí khác cũng như tổng số tiền gửi đến người nhận. Người nhận có thể nhận được số tiền ít hơn do ngân hàng của người nhận tính phí và thuế nước ngoài. Thêm vào đó biên lai hiển thị quyền tranh chấp khi có sai sót, quyền hủy được hoàn trả tiền đầy đủ, số điện thoại và trang web để liên hệ khi có thắc mắc hoặc khiếu nại.
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    Sau khi gửi tiền, quý vị thường thấy:

    • Tổng chi phí chuyển giao—trên biên nhận mẫu, chi phí này được dán nhãn "TOTAL" (TỔNG)
    • Tỷ giá hối đoái, nếu có
    • Tổng số tiền dự kiến sẽ được chuyển đến người nhận—trên biên nhận mẫu, số tiền này được dán nhãn "TOTAL TO RECIPIENT" (TỔNG CHO NGƯỜI NHẬN)
    • Khi nào có tiền
    • Phải làm gì trong trường hợp bị sai sót
    • Hướng dẫn thực hiện quyền hủy chuyển khoản
    • Cách gửi câu hỏi hoặc khiếu nại về công ty, bao gồm thông tin về cách liên hệ với CFPB và cơ quan tiểu bang quản lý công ty
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    向另一個國家進行資金轉賬時遇到問題了嗎？

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    您來對地方了。 消費者金融保護局 (Consumer Financial Protection Bureau, CFPB) 是一間致力於確保您受到銀行、貸款機構和其他金融機構公平對待的美國政府機構。我們負責監管提供資金轉帳的公司。

    本頁内容:

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    瞭解要先做什麽

    如果您在進行資金轉帳時遇到問題，請立即聯繫相關公司。

    在某些情況下，您可以獲得退款或免費重新轉帳。

    取消資金轉帳

    一般來說，您可以在國際資金轉帳後 30 分鐘內取消轉帳。但有一種例外情況，即在收款人已經取款或資金已存入其帳戶時則無法取消。您在取消資金轉帳時無需支付手續費。

    當您聯繫這間公司時，請做好準備並備好您的資訊

    • 您的姓名、地址、電話號碼、帳號或交易編號
    • 發生了什麼事情——請盡可能清晰、切題地說出發生的情況
    • 您需要什麼來解決問題
    • 顯示所發生事情的文檔或螢幕截圖
    • 請謹記
      • 切勿在社交媒體或評論網站上發佈個人資料
      • 避免憤怒、諷刺或威脅性語言
      • 隨時記錄——與誰交談、何時交談以及他們說了些什麼

    您有權要求對這些問題進行調查

    根據收據上顯示的日期，您可以在資金到帳之日起 180 天內報告轉帳問題。該公司必須在您通知他們後 90 天內進行調查，並向您報告結果。在某些情況下，您可以獲得退款或重新轉帳。

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    瞭解 CFPB 可以提供怎樣的幫助

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    提交有關資金轉帳的投訴

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    如果您已經嘗試過聯繫該公司，但沒能解決問題，您可以向 CFPB 提交投訴。告知我們您遇到的問題——我們會將其轉發給該公司，並努力在 15 天內給您回覆。

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    找尋關於資金轉帳常見問題的解答（英文回答）

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    有關其他常見問題的回答，請參看我們提供的所有關於資金轉帳的資源。

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    您在轉帳前後收到的資訊

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    當您向另一 個國家進行資金轉帳時，一般適用聯邦法律。以下是大多數服務提供者在您進行資金轉帳前後必須向您提供的資訊示例。

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    - 交易完成前交付的匯款收據截圖。它顯示了轉賬金額、轉賬費用、轉賬稅費和總費用。它還顯示了匯率。然後顯示轉賬金額和其他費用，以及收款人收到的總金額。由於收款人銀行收取的費用和國外稅費，收款人收到的金額可能會少一些。
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    在轉帳之前，您一般會看到：

    • 轉帳總費用，包括稅款和收費
    • 匯率（如適用）
    • 預計將交付給收款人的總金額，但請謹記，收款人可能會被其銀行收取費用或被徵收所在國稅收。
    • 由於您會在資金轉帳前收到這些資訊，因此您可以貨比三家，與其他公司的費用進行比較。
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    - 交易完成後收到的匯款收據截圖。它顯示了匯款可用日期、匯款金額、匯款費用、匯款稅費和總費用。它還顯示了匯率。然後顯示轉賬金額和其他費用，以及收款人收到的總金額。由於收款人銀行收取的費用和國外稅費，收款人收到的金額可能會少一些。然後會顯示對錯誤提出異議的權利、取消以便獲得全額退款的權利，以及有問題或投訴時可聯繫的電話號碼和網站。
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    在轉帳之後，您一般會看到：

    • 轉帳總費用——在樣本收據上標註為 「TOTAL」（總計）
    • 匯率（如適用）
    • 預計交付給收款人的總金額——在樣本收據上標註為「TOTAL TO RECIPIENT」（收款人接收總金額）
    • 何時可以取款
    • 出現錯誤時如何處理
    • 行使取消轉帳權利的說明
    • 如何提交關於某間公司的問題或投訴，包括如何聯繫 CFPB 和監管該公司的州政府機構的資訊
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    - - - \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/research-hub/index.html b/www.consumerfinance.gov/data-research/research-hub/index.html index a0c8b7fa97f..8c69a803473 100644 --- a/www.consumerfinance.gov/data-research/research-hub/index.html +++ b/www.consumerfinance.gov/data-research/research-hub/index.html @@ -1519,17 +1519,17 @@

    - Matched-Pair Testing in Small Business Lending Markets + Insights from the 2023-2024 Student Loan Borrower Survey

    - The Consumer Financial Protection Bureau (“CFPB”) and the U.S. Department of Justice (“DOJ”) conducted matched-pair testing to test for and detect differential treatment of fictitious well-qualified Black and white small business owners seeking credit at large bank lenders in two counties. + CFPB report on student loan borrower survey, with findings on income-driven repayment (IDR), payment pause, return to repayment, debt relief, and loan forgiveness.

    - Insights from the 2023-2024 Student Loan Borrower Survey + Matched-Pair Testing in Small Business Lending Markets

    - CFPB report on student loan borrower survey, with findings on income-driven repayment (IDR), payment pause, return to repayment, debt relief, and loan forgiveness. + The Consumer Financial Protection Bureau (“CFPB”) and the U.S. Department of Justice (“DOJ”) conducted matched-pair testing to test for and detect differential treatment of fictitious well-qualified Black and white small business owners seeking credit at large bank lenders in two counties.
    diff --git a/www.consumerfinance.gov/data-research/research-reports/2022-consumer-response-annual-report/index.html b/www.consumerfinance.gov/data-research/research-reports/2022-consumer-response-annual-report/index.html deleted file mode 100644 index a69ae7bd906..00000000000 --- a/www.consumerfinance.gov/data-research/research-reports/2022-consumer-response-annual-report/index.html +++ /dev/null @@ -1,1548 +0,0 @@ - - - - - - - 2022 Consumer Response annual report | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    2022 Consumer Response annual report

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    The Consumer Financial Protection Bureau began consumer response operations on July 21, 2011, and became the first federal agency solely focused on consumer financial protection. The Bureau’s Consumer Response team hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of financial institutions, and assists in addressing their complaints.

    Full report

    Read the full report

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    Consumer Response Annual Report

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    This annual report analyzes complaints submitted by consumers to the CFPB between January and December 2023.

    Full Report

    Consumer Response annual report

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    - - - \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/research-reports/effective-financial-education-five-principles-and-how-use-them/index.html b/www.consumerfinance.gov/data-research/research-reports/effective-financial-education-five-principles-and-how-use-them/index.html deleted file mode 100644 index f1cecb828f8..00000000000 --- a/www.consumerfinance.gov/data-research/research-reports/effective-financial-education-five-principles-and-how-use-them/index.html +++ /dev/null @@ -1,1600 +0,0 @@ - - - - - - - Effective financial education: Five principles and how to use them | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    Effective financial education: Five principles and how to use them

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    The CFPB has -conducted research over its first five years into what makes financial -education effective. We have summed up our findings into five principles that -financial educators, financial coaches, and other practitioners can put into -practice to help drive financial action and well-being.

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    Effective -financial education means helping consumers as they work to bridge the gap between -their knowledge, their intentions, and the actions they take. It means -deploying a wide range of strategies that help consumers to achieve the -ultimate goal of financial education: financial well-being.

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    We offer -these principles as a path forward for effective financial education, in its -many different forms. The five principles build on insights about how people -make financial decisions, marshalled from many fields of study, and on what we -have learned about consumers’ own experiences in the financial marketplace.

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    The report -presents the principles, provides tested strategies as well as practitioners’ -tips for ways to put the principles into practice.

    Report

    Read the full report

    Read the report summary

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    Enforcement actions

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    Enforcement actions

    block--sub" data-cy="filterable-list-results">
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    + Experian Information Solutions, Inc. +

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    + On January 7, 2025, the Bureau filed a lawsuit against Experian Information Solutions, Inc., one of the largest consumer reporting agencies in the country. +
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    On May 20, 2024, the Bureau issued an order against Western Benefits Group, LLC, a telemarketer and seller of student-loan debt-relief services, headquartered in Pleasanton, California.

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    - SoLo Funds, Inc. -

    -
    - On May 17, 2024, the Bureau filed a lawsuit against SoLo Funds, Inc. (SoLo), a fintech company that operates a nationwide website and mobile-application based peer-to-peer lending platform through which consumers can obtain small-dollar, short-term loans. -
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    As of January 6, 2025, CFPB enforcement actions have resulted in:

    +
    +

    As of January 7, 2025, CFPB enforcement actions have resulted in:

    @@ -1269,7 +1269,7 @@

    $5 billion in civil money penalties<

    Summary data on all the Bureau’s public enforcement actions and ordered consumer relief

    -

    To increase transparency of the Bureau’s public enforcement actions, we post summary data on all the Bureau’s public enforcement actions. The summary data is updated at the end of each calendar year.

    +

    To increase transparency of the Bureau’s public enforcement actions, we post summary data on all the Bureau’s public enforcement actions. The summary data is updated at the end of each calendar year.

    diff --git a/www.consumerfinance.gov/enforcement/index.html b/www.consumerfinance.gov/enforcement/index.html index e09eb8becea..331e527704c 100644 --- a/www.consumerfinance.gov/enforcement/index.html +++ b/www.consumerfinance.gov/enforcement/index.html @@ -1301,30 +1301,30 @@

  • - CFPB Sues Vanderbilt for Setting Borrowers Up to Fail in Manufactured Home Loans + href="/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/"> + CFPB Sues Experian for Sham Investigations of Credit Report Errors

    - +

  • - CFPB Sues Walmart and Branch Messenger for Illegally Opening Deposit Accounts for More Than One Million Delivery Drivers + href="/about-us/newsroom/cfpb-sues-vanderbilt-for-setting-borrowers-up-to-fail-in-manufactured-home-loans/"> + CFPB Sues Vanderbilt for Setting Borrowers Up to Fail in Manufactured Home Loans

    - +

  • - CFPB Files Lawsuit to Stop Illegal Kickback Scheme to Steer Borrowers to Rocket Mortgage + href="/about-us/newsroom/cfpb-sues-walmart-and-branch-messenger-for-illegally-opening-deposit-accounts-for-more-than-one-million-delivery-drivers/"> + CFPB Sues Walmart and Branch Messenger for Illegally Opening Deposit Accounts for More Than One Million Delivery Drivers

    diff --git a/www.consumerfinance.gov/enforcement/payments-harmed-consumers/index.html b/www.consumerfinance.gov/enforcement/payments-harmed-consumers/index.html index d73b5b3f1a3..65893bd8cc6 100644 --- a/www.consumerfinance.gov/enforcement/payments-harmed-consumers/index.html +++ b/www.consumerfinance.gov/enforcement/payments-harmed-consumers/index.html @@ -1364,6 +1364,17 @@

    • - - - - - - Equifax data breach settlement | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    Equifax data breach settlement -

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    In 2017, Equifax announced a breach that exposed the personal data of approximately 147 million people. Payments for claims filed for out-of-pocket losses, time spent, and other cash benefits are now being sent. If you filed a claim, keep an eye out for your payment.

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    Status of financial reimbursement

    Cash reimbursements have been sent to people who submitted requests for payment.

    Under the Equifax Data Breach Order, leftover funds are used to reimburse people who have valid claims. If you submitted a valid claim, you could receive an extra payment.

    Watch your e-mail for a notification of your payment

    You will get an e-mail confirming you have a valid claim and are receiving additional money.

    The money will be sent by electronic prepaid card. In November 2024, watch for an email from distribution@EquifaxBreachSettlement.com with instructions on how to redeem your card.

    For more information, please visit www.EquifaxBreachSettlement.com .

    Steps you can take to protect yourself

    Check your credit reports on your own

    In response to the COVID-19 pandemic, the three nationwide credit reporting companies, Equifax, Experian, and Transunion, are currently offering free weekly access to your credit reports online at annualcreditreport.com . You can also request up to seven free reports per year through Equifax until 2026.

    According to a Federal Trade Commission study, one person in five finds an error in their credit reports. When you check yours, be prepared to take steps to fix incorrect information. Our information on credit reports and sample dispute letters can help you with this process.

    Consider placing an initial fraud alert on your credit file

    Another way to protect your credit proactively is to place a fraud alert on your file. To do this, you can contact any of the three credit reporting companies. The credit reporting company you make the report to must communicate your alert to the other two credit reporting companies.

    An initial fraud alert requires lenders to take reasonable steps to make sure the person making new credit requests in your name is actually you. For example, they may call you if you’ve provided a telephone number on your credit file. An initial fraud alert lasts for one year.

    Consider freezing your credit

    One way to protect your credit proactively is to contact the three credit reporting companies and place a freeze on your credit. When you freeze your credit, lenders won’t be able to access your credit information. If you apply for things like employment, apartments, or insurance, necessary credit checks can still go through.

    You can unfreeze your credit when you’re ready to seek a loan or another transaction that requires a lender to pull your credit report. You’re the only one who can request to lift the credit freeze on your file. Lifting a freeze can take time, so choose this approach only if you’re not currently thinking about taking out a new loan or credit account.

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    Tener problemas de cobro de deudas puede ser estresante. Usted no tiene que enfrentarlos solo. Nuestros recursos le ayudan a entender cómo funciona y cuáles son sus derechos. 

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    Destacado

    Cinco cartas de muestra que usted puede enviar a los cobradores de deudas

    ¿Se está preguntando cómo responder a un cobrador de deudas? Nuestras cartas de muestra pueden ayudarle si usted:

    *Estas cartas no constituyen asesoramiento jurídico. Guarde siempre copias de todas las cartas que envíe.


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    Porqué se comunica con usted un cobrador de deudas

    Un cobrador de deudas puede tratar de contactarle porque algún acreedor considera que usted tiene pagos vencidos en una deuda. Lea más

    Sepa lo que podría suceder si usted evade a un cobrador de deudas

    Ignorar o evadir a un cobrador de deudas no hará que éste deje de contactarle. Si usted cree que no debe la deuda, dígaselo al cobrador. Lea más

    Conozca cuáles son algunos ejemplos de prácticas “injustas” por un cobrador de deudas

    La Ley de Practicas Justas en el Cobro de Deudas (FDCPA, por sus siglas en inglés) establece que un cobrador de deudas no puede usar prácticas injustas al tratar de cobrar una deuda. Lea más

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    A la hora de elegir y usar su cuenta en un banco o cooperativa de crédito, es importante que conozca cuáles opciones tiene.

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    Usted podría pensar que una cuenta corriente o de ahorros es lo que necesita.  Esta lista le ayudará a reunir la información que va a necesitar para abrir una cuenta y para entender mejor cuáles opciones tiene. Lea más

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    Cada banco o cooperativa de crédito tiene sus propias reglas, acerca de cuándo podrá usted acceder al dinero después de depositar un cheque, sin embargo, las leyes federales establecen un tiempo máximo que el banco o cooperativa de crédito puede hacerle esperar. Lea más

    Entienda lo que significa tomar la opción “opt-in“ para cobertura de sobregiros (en inglés)

    Podrían cobrarle tarifas por sobregiros bancarios causados por cheques, pagos electrónicos, o transacciones con tarjetas de débito. Hay ciertos pasos que usted puede seguir para reducir o eliminar las tarifas por sobregiros asociadas a su cuenta. Lea más (en inglés) 

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    Sus informes y puntajes de crédito impactan sus finanzas. Nuestros recursos le ayudan a entenderlos mejor, a corregir errores y a mejorar su historial de crédito.

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    Conozca sus datos

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    Hay otras compañías que también recogen su información. Tiene derecho a esos informes. Esta lista de esas compañías tiene datos que le ayudan a tomar acción.

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    Sepa cómo obtener sus informes de crédito

    Usted debería revisar sus informes de crédito al menos una vez al año, para que se asegure de que estos no tengan errores que puedan impedirle obtener crédito o mejores condiciones en algún préstamo. Lea más

    Lo que debe buscar cuando revise sus informes de crédito

    Una vez que haya solicitado sus informes de crédito, es importante que sepa cuál tipo de información buscar cuando los revise. Lea más

    Conozca mejor las diferencias entre los puntajes y los informes de crédito

    Sus puntajes e informes de crédito son vitales para su bienestar financiero, pero juegan roles muy diferentes. Lea más

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    Nota: Usted debería enviar su reclamo directamente, tanto a la compañía que le envió el informe, como a la que proporcionó la información contenida en el mismo. 

    ¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.

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    Ya sea que esté planeando comprar un automóvil o tenga problemas para administrar su préstamo para automóvil, tenemos recursos y herramientas imparciales para ayudarlo a obtener la mejor oferta y evitar sorpresas que pueden costarle dinero.

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    Cuál describe mejor su situación?

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    Revise todos los pasos para obtener un préstamo para automóvil

    Obtener un auto nuevo o un préstamo para automóvil afecta su panorama financiero general. Ya sea que sea un prestatario por primera vez o un profesional, saber qué preguntas hacer y qué pasos seguir puede ayudarlo a evitar errores comunes, para que pueda salir del concesionario con confianza.

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    1. Infórmese antes de buscar un automóvil o préstamo para automóvil

    Si hace preguntas antes de comprar, es más probable que obtenga las mejores tasas de interés y términos de préstamo para su presupuesto, ahorre dinero, su valioso tiempo y reduzca el estrés.

    Empiece haciéndose estas preguntas

    2. Vea diferentes formas de obtener un préstamo para automóvil

    Al financiar un vehículo nuevo, tiene opciones. Conozca las formas más comunes de obtener un préstamo para automóvil y cómo comparar las tasas de interés y los términos para encontrar el que mejor se adapte a su presupuesto.

    Lea más sobre las formas de financiar su préstamo

    3. Sepa lo que es negociable

    ¿Sabía que puede negociar los términos de su préstamo para automóvil? Negociar puede ahorrarle cientos o incluso miles de dólares durante la vida del préstamo.

    Obtenga más información sobre los conceptos básicos de negociación de préstamos

    4. Entienda cómo cerrar el trato

    Todavía hay mucho papeleo que revisar y firmar. Antes de irse con su auto, asegúrese de que la documentación coincida con el trato que cree que está recibiendo y que todos hayan firmado todos los documentos.

    Más información sobre cómo cerrar el trato

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    También puede buscar respuestas a las preguntas financieras más frecuentes de los consumidores.

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    Cómo lidiar con los problemas de préstamos para automóvil

    Problemas comunes

    Envíe una queja

    ¿Tiene algún problema con un producto o servicio financiero? Si ya ha tratado de comunicarse con la compañía y sigue teniendo problemas, puede enviar una queja. Enviaremos su queja a la compañía y trabajaremos para obtener una respuesta, generalmente en un plazo de 15 días.

    Envíe una queja

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    Esté usted buscando una nueva tarjeta de crédito o controlando una que ya tiene, le mostramos los recursos que necesita para manejarlas.

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    Sepa cuándo las compañías pueden cambiar los términos de su tarjeta de crédito

    Por lo general, una compañía de tarjetas de crédito tiene derecho a cambiar los términos del contrato para el futuro uso de su tarjeta de crédito. Para hacer cambios significativos, como la tasa de interés o un aumento de tarifas, deben notificarle con 45 días de anticipación. Lea más.

    Entienda cómo un emisor de tarjetas de crédito calcula la tasa de interés

    La tasa de interés de una tarjeta de crédito es el costo que usted paga por pedir dinero prestado cuando la usa, y la mayoría de las compañías la calculan diariamente. Mientras más pronto pague todo o parte de su saldo, menos interés paga. Lea más.

    Conozca la diferencia entre una APR fija y una variable

    La tasa de interés de su tarjeta de crédito es presentada como “annual percentage rate”, APR, o tasa percentil anualizada. El interés puede ser fijo o variable. Con una tasa variable, su APR se ajusta según los cambios en el índice de interés. Cuando esté buscando una tarjeta de crédito, averigüe si la tasa de interés es fija o variable. Lea más.

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    Enviar una queja

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    ¿Tiene problemas con un producto o servicio financiero? Si trató de comunicarse con la compañía, pero el problema persiste, puede enviarnos una queja. Díganos su problema, nosotros se lo haremos llegar a la compañía y trabajaremos para darle una respuesta, generalmente en 15 días.

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    If you’re having trouble making rent payments, you’re not alone.

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    Find out what you can do to get help with housing expenses and avoid eviction.

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    What to do if you're struggling to pay rent

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    If you’re having trouble paying for rent and utilities, you’re not alone.

    Talk to your landlord about a repayment agreement

    In addition to applying for rental assistance, now may be the time to start a conversation with your landlord if you're struggling to pay your full rent each month or need to repay past due rent.

    Learn about options and how to start the conversation

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    How to avoid scams

    Scammers are targeting people who are looking for rental assistance.

    Find resources to help you prevent, recognize, and report scams

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    If you're worried about eviction or have lost your home

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    What to look out for before you apply for new rental housing

    Many landlords use a tenant screening report to help them decide whether to rent to you, and how much to charge you for a security deposit.

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    Find out if you have more protections

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    As a renter, you have local, state and federal rights. Some may help you stay in your home and postpone eviction.

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    Talk to a local expert

    This can be a lot to navigate. There are local experts who can help, for free, or at a low cost.

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    If your landlord is threatening to evict you, or you need help understanding your rights, talk to a lawyer. You may qualify for free legal aid, based on your income.

    Contact your local bar association or legal aid

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    Take advantage of free housing help

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    If you’d like help from a local expert, contact the Department of Housing and Urban Development (HUD)’s housing counseling program.

    Call 800-569-4287 or find a housing counselor

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    As a renter, you have local, state and federal rights. These could help you stay in your home, or make it easier to find a new one.

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    Some state and local governments have protections in place to help you avoid being evicted.

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    You might qualify for free legal aid

    Many landlords are represented by a lawyer in court. You can get legal help too, and you could qualify for free legal aid.

    Find a lawyer through your local bar association or legal aid office.

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    Your rights under the federal Fair Debt Collection Practices Act (FDCPA)

    When you owe money to your landlord or utility company and someone else is trying to collect the money, that person could be a debt collector. Maybe a lawyer or law firm is representing your landlord, or maybe a collection agency is trying to collect the back rent you owe. If so, the lawyer, law firm, or company may be a debt collector under federal law.

    Federal law says that debt collectors can’t use unfair, deceptive, or abusive practices to try and collect a debt. This means if a debt collector harasses you or makes false or misleading statements to collect rental debt, they may be breaking federal law.

    If you believe that a debt collector is using an unfair, deceptive, or abusive practice when collecting a debt, you can submit a complaint or call (855) 411-2372.

    Notice about past pandemic eviction protections

    A debt collector trying to evict you for unpaid rent might have been required to give you a notice about the CDC’s eviction moratorium while it applied. If you didn’t get this notice for a pandemic-related eviction when the moratorium applied, talk with a lawyer. Find a lawyer through your local bar association or legal aid office.

    You can also submit a complaint or call (855) 411-2372.

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    Report a bad landlord

    Your rights as a tenant are usually spelled out in your rental agreement and state or local laws. Visit LegalFAQ.org to learn about tenant rights in your state .

    Your landlord cannot:

    • Force you out by changing your locks without a court order
    • Demand fees, interest, or other charges that you did not agree to, or that are prohibited by state or local law
    • Refuse to make necessary repairs
    • Fail to pay for utilities under their control or
    • Endanger the health and safety of tenants

    To talk with a lawyer, contact your local bar association or legal aid

    If you live in subsidized housing, report a bad landlord to the Department of Housing and Urban Development (HUD)

    Protections for  survivors of domestic violence

    Federal law may protect you from being evicted, losing your housing subsidy, or having your application for housing denied because of domestic violence, dating violence, sexual assault, or stalking committed against you. However, federal laws don't stop landlords from evicting abusers for committing domestic violence against you.

    Find more on the tenant rights of domestic violence survivors

    Report housing discrimination

    Landlords generally cannot:

    • Sexually harass you
    • Refuse to rent to you
    • Evict you, or
    • Change or set different rules for your rental agreement

    because of your race, color, national origin (country of origin or ancestry), religion, sex (including sexual orientation and gender identity), familial status (pregnancy and families with children), or disability.

    If you or your landlord receive federal financial assistance for housing, you are also protected from housing discrimination based on age.

    Know your fair housing rights when you are facing eviction

    Report housing discrimination by filing a complaint with the Department of Housing and Urban Development (HUD)

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    Act fast if you can’t pay your credit cards (in Arabic)
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    تصرف بسرعة إذا كنت لا تستطيع دفع بطاقات الائتمان الخاصة بك

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    تصرف على الفور واتصل بشركة بطاقتك الائتمانية إذا كنت تعتقد أنك غير قادر على دفع المبلغ الأدنى ببطاقتك الائتمانية.

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    قد يكون العديد من شركات بطاقات الائتمان على استعداد للمساعدة إذا كنت تواجه حالة مالية طارئة.وليس من الضروري أن تكون متخلفا عن سداد مدفوعاتك لطلب المساعدة!

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    لا تتجاهل المشكلة

    فإن ذلك قد يسبب لك فقط مشاكل أكبر، مثل:

    • معدلات فائدة أعلى
    • ارتفاع الحد الأدنى للمدفوعات
    • فقدان امتيازات الشراء على البطاقة الخاصة بك
    • دفع رسوم تأخير
    • الإضرار بدرجاتك الائتمانية

    إليك ما يجب فعله

    1. احسب دخلك ونفقاتك

    ابحث عن طرق لخفض التكاليف. إذا لم تجد ما يكفي لدفع الحد الأدنى، فقرر ما هو المبلغ الذي يمكنك دفعه.

    2. اتصل بشركة بطاقتك الائتمانيةتأكد من شرح وضعك بوضوح:

    • لماذا لا يمكنك دفع الحد الأدنى
    • كم يمكنك أن تدفع
    • متى يمكنك معاودة مدفوعاتك العادية

    3. ضع في اعتبارك الاستشارة الائتمانية

    إذا كنت بحاجة إلى المزيد من المساعدة، فيمكن لمنظمات الاستشارات الائتمانية غير الربحية أن تعلمك المزيد حول التعامل مع أموالك.

    قبل التسجيل للحصول على استشارات ائتمانية، اسأل عما إذا كان سيتم محاسبتك وما هي الخدمات التي سيتم تقديمها. وتأكد من أن مستشار الائتمان الخاص بك يأخذ الوقت الكافي للتعرف على وضعك المالي، ويعرض عليك مساعدتك في معرفة كيف يمكنك تحسينه.

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    لا توجد حلول سهلة

    تصرح بعض شركات تخفيف أعباء الديون الهادفة للربح إنها تستطيع مساعدتك في سداد ديونك "مقابل مبلغ ضيئل لا يضاهى". لكن في كثير من الأحيان، هذه الوعود غير معقولة ولا يتم الوفاء بها. فاحترس من أي منظمة لتخفيف الديون التي:

    • تطالب برسوم قبل قيامها بتسوية ديونك
    • تضمن أنها يمكنها التخلص من ديونك
    • تطلب منك التوقف عن التواصل مع المقرضين أو شركات بطاقات الائتمان
    • تطلب منك التوقف عن سداد مدفوعات بطاقة ائتمان أو قرض
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    Auto loan key terms (in Arabic)
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    المصطلحات الرئيسية لقروض السيارات

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    القيمة النقدية الفعلية (Actual Cash Value (ACV))

    القيمة النقدية الفعلية (ACV) هي قيمة السيارة وفقاً لمصادر مستقلة معترف بها على نطاق واسع مثل الجمعية الوطنية لتجار السيارات (National Automobile Dealers Association) أو كتاب كيلي الأزرق (Kelley Blue Book) .

    استهلاك الدين (Amortization)

    يصف الاستهلاك عملية السداد التدريجي لقرض السيارة الخاص بك. في استهلاك الدين، لكل دفعة من دفعاتك الشهرية، يتم تسديد جزء على مبلغ القرض – المبلغ الأصلي – ويتم تسديد جزء من الدفعة لدفع رسوم التمويل – الفائدة.

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    معدل الفائدة السنوية المئوية (Annual Percentage Rate (APR))

    معدل الفائدة السنوية المئوية (APR) هو التكلفة التي تدفعها كل سنة لاقتراض المال، بما في ذلك الرسوم، معبراً عنها كنسبة مئوية. إن معدل الفائدة السنوية المئوية (APR) هو مقياس أوسع للتكلفة التي تتكبدها عند اقتراض المال، حيث أنه لا يعكس سعر الفائدة فحسب، بل أيضاً الرسوم التي يتعين عليك دفعها للحصول على القرض. كلما ارتفع معدل الفائدة السنوية المئوية (APR)، كلما دفعت أكثر على مدى عمر القرض.

    إن معدل الفائدة السنوية المئوية (APR) لقرض السيارات وسعر الفائدة من بين أهم مقاييس السعر الذي تدفعه مقابل اقتراض المال. يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) من المقرضين إعطائك إفصاحات محددة حول الشروط المهمة، بما في ذلك معدل (APR)، قبل أن تكون ملزماً قانوناً بالقرض. نظراً لأنه يجب على جميع المقرضين تقديم معدل (APR)، يمكنك استخدام معدل الفائدة السنوية المئوية (APR) لمقارنة قروض السيارات. فقط تأكد من أنك تقارن معدلات الفائدة السنوية المئوية (APRs) بمعدلات فائدة سنوية مئوية (APRs) أخرى وليس بأسعار الفائدة.


    المُحال إليه (Assignee)

    المُحال إليه هو شخص أو شركة يشتري قرض السيارة الخاص بك. على سبيل المثال، يجوز لتاجر السيارات الذي يقدم الائتمان لك بيع قرضك إلى أحد البنوك، مما يجعل البنك هو المُحال إليه. أنت مدين بالأموال لمن اشترى قرضك. فالمُحال إليه له حق في سيارتك، ويمكن أن يستحوذ عليها إذا لم تدفع.

    السعر الأساسي (Base price)

    السعر الأساسي هو سعر السيارة بدون كماليات.
    اقرأ المزيد (باللغة الإنكليزية)

    سعر الشراء (Buy rate)

    سعر الشراء هو سعر الفائدة الذي يعطيه المُقرض المحتمل إلى الوكيل عندما تتقدم بطلب للحصول على التمويل الذي يتم ترتيبه من قِبل الوكيل.

    اقرأ المزيد (باللغة الإنكليزية)

    المُوقّع المشترك (Co-signer)

    المُوقّع المشارك هو شخص، مثل الوالد(ة) أو أحد أفراد العائلة المقربين أو صديق، يتعهد بدفع القرض إذا لم تقم أنت بدفعه. يُمكن أن يكون هذا مفيداً لك وللمُقرض. يتحمل المُوقّع المشارك كامل المسؤولية عن سداد القرض. إن وجود مُوقّع مشارك على قرضك يمنح مُقرضك ضمان إضافي بأن القرض سيتم سداده. إذا لم تسدد القرض، فسيكون المُوقّع المشارك مسؤولاً عن السداد حتى إذا لم يقم المُوقّع أبداً بقيادة السيارة. إذا طلب منك المشاركة في التوقيع على قرض، فينبغي عليك التفكير في كيفية تأثيره على أموالك.


    التأمين على الائتمان (Credit insurance)

    التأمين على الائتمان هو تأمين اختياري قد يقوم بسداد مدفوعاتك التلقائية للمُقرض الخاص بك في مواقف معينة، مثل حالة وفاتك أو إصابتك بإعاقة.  إذا كنت تفكر في الحصول على التأمين على الائتمان، فتأكد من أنك تفهم شروط البوليصة التي تُعرض عليك. إذا قررت أنك بحاجة إلى تأمين، فقد تكون هناك طرق أرخص للحصول على التغطية من شراء التأمين على الائتمان وإضافته إلى قرض السيارة الخاص بك. على سبيل المثال، قد يكون التأمين على الحياة أقل تكلفة من التأمين على الائتمان ويسمح لعائلتك بدفع النفقات الأخرى بالإضافة إلى قرضك الخاص بالسيارة.


    منتجات إلغاء الدين أو تعليقه (Debt cancellation or suspension products)

    يقدم بعض تجار السيارات وكذلك البنوك والاتحادات الائتمانية منتجات "إلغاء الدين" و "تعليق الدين" أو التأمين تحت أسماء مختلفة. وهذه المنتجات مماثلة للتأمين على الائتمان من حيث وظيفتها، ولكن الرسوم وغيرها من الميزات قد تكون مختلفة.
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    رصيد العجز (Deficiency balance)

    إذا تم استرداد السيارة وبيعها، فقد تكون مسؤولاً عن دفع الفرق بين المبلغ المتبقي في القرض (بالإضافة إلى رسوم إعادة الحيازة) وسعر البيع. ويعرف هذا باسم "رصيد العجز".

    الدفعة المقدمة (Down payment)

    الدفعة المقدمة هي دفعة أولية تسدد مقدماً مقابل التكلفة الإجمالية للسيارة. قد تكون الدفعة المقدمة نقداً أو بقيمة مقايضة سيارتك القديمة أو كليهما. كلما كبرت الدفعة المقدمة، قلت حاجتك للاقتراض. قد تؤدي الدفعة المقدمة الأكبر أيضاً إلى خفض الدفعة الشهرية وإجمالي تكلفة التمويل.

    الضمان الممتد أو عقد خدمة السيارة (Extended warranty or vehicle service contract)

    يغطي الضمان الممتد أو عقد خدمة السيارة تكاليف بعض أنواع الإصلاحات بالإضافة إلى ضمان الجهة المصنعة أو بعد انتهاءه.
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    قسم الشؤون المالية والتأمين (Finance and insurance department)

    إذا قمت بشراء سيارة من توكيل بيع السيارات، فقد يحيلك مندوب المبيعات إلى شخص في قسم الشؤون المالية والتمويل (F&I) أو مكتب الأعمال. هذا هو الجزء من التوكيل الذي يقوم بتقديم القروض والإضافات الاختيارية للعملاء بعد أن وافقوا على شراء سيارة لدى الوكيل.
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    التمويل بسعر فائدة ثابت (Fixed-rate financing)

    يعني التمويل ذو السعر الثابت أن معدل الفائدة على قرضك لا يتغير على مدار فترة القرض. مع السعر الثابت، يمكنك الاطلاع على دفعتك لكل شهر والمبلغ الإجمالي الذي ستدفعه على مدى فترة القرض. قد تفضل التمويل ذي السعر الثابت إذا كنت تبحث عن دفعة قرض لن تتغير. والتمويل ذو السعر الثابت هو أحد أنواع التمويل. وهناك نوع آخر هو التمويل ذو السعر المتغير.

    التأمين المفروض بالقوة (Force-placed insurance)

    للحصول على قرض لشراء سيارة، يجب أن يكون لديك تأمين لتغطية السيارة نفسها. إذا فشلت في الحصول على تأمين أو تركت التأمين الخاص بك ينقضي، فعادة ما يمنح العقد للمُقرض الحق في الحصول على تأمين لتغطية السيارة. يسمى هذا التأمين "التأمين المفروض بالقوة".

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    التأمين المضمون لحماية السيارة (Guaranteed Auto Protection (GAP) insurance)

    يغطي التأمين المضمون لحماية السيارة (GAP) الفرق (أو الفجوة) بين المبلغ الذي تدين به على قرض السيارة وما يدفعه التأمين في حالة سرقة السيارة أو تلفها أو خسارتها بالكامل. لست مضطراً لشراء هذا التأمين، ولكن إذا قررت أنك تريده، فقم بالتسوق للحصول عليه. قد يحدد المقرضون أسعار مختلفة لهذا المنتج.

    سعر الفائدة (Interest rate)

    سعر الفائدة على قرض السيارة هو التكلفة التي تدفعها كل عام لاقتراض الأموال معبراً عنها كنسبة مئوية. لا يشمل سعر الفائدة الرسوم المفروضة على القرض.

    إن معدل (APR) لقروض السيارات وسعر الفائدة من بين أهم مقاييس السعر الذي تدفعه مقابل اقتراض المال. يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) من المقرضين إعطائك إفصاحات محددة حول الشروط المهمة، بما في ذلك معدل الفائدة السنوية المئوية (APR)، قبل أن تكون ملزماً قانوناً بالقرض. نظراً لأنه يجب على جميع المقرضين تقديم معدل الفائدة السنوية المئوية (APR)، يمكنك استخدام معدل الفائدة السنوية المئوية (APR) لمقارنة قروض السيارات. فقط تأكد من أنك تقارن معدلات الفائدة السنوية المئوية (APRs) بمعدلات فائدة سنوية مئوية (APRs) أخرى وليس بأسعار الفائدة.

    مدة القرض أو أمده (Loan term or duration)

    هذه هي مدة قرض السيارة، ويُعبر عنها عموماً بالأشهر. إن مدة القرض الأقصر (التي تسدد فيها دفعات شهرية لأشهر أقل) ستخفض إجمالي تكلفة القرض. يمكن للقرض الأطول أن يخفض دفعتك الشهرية، ولكنك تدفع فائدة أكبر على مدى فترة القرض. كما يعرضك القرض الأطول لخطر حقوق الملكية السلبية، وهو عندما تكون مديناً للسيارة بأكثر من قيمتها الفعلية.

    نسبة القرض إلى القيمة (Loan-to-value ratio)

    نسبة القرض إلى القيمة (LTV) هي إجمالي القيمة بالدولار لقرضك مقسومة على القيمة النقدية الفعلية (ACV) لسيارتك. وعادة ما يعبر عنها كنسبة مئوية. تقلل الدفعة المقدمة نسبة القرض إلى القيمة لقرضك.
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    التحكيم الإلزامي المُلزِّم (Mandatory binding arbitration)

    من خلال توقيع عقد يتضمن شرط التحكيم الإلزامي المُلزِّم، فإنك توافق على حل أي نزاعات حول العقد أمام مُحكِّم يفصل في النزاع بدلاً من المحكمة. قد توافق أيضاً على التنازل عن حقوق أخرى، مثل قدرتك على استئناف القرار أو الانضمام إلى دعوى قضائية جماعية.

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    حوافز الشركة المصنعة (Manufacturer incentives)

    حوافز الشركة المصنعة عبارة عن صفقات خاصة، مثل التمويل بسعر فائدة 0% أو الحسومات النقدية التي ربما تكون قد شاهدتها معلن عنها للسيارات الجديدة. وغالباً ما يتم تقديمها لموديلات معينة فقط.
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    سعر التجزئة المقترح من الشركة المصنعة (Manufacturer Suggested Retail Price (MSRP))

    سعر التجزئة المقترح من الشركة المصنعة (MSRP) هو السعر الذي تقترح شركة تصنيع السيارات - الشركة المصنعة - أن يطلبه الوكيل لبيع السيارة.
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    حقوق الملكية السلبية (Negative equity)

    إذا كنت مديناً على قرض السيارة الحالي الخاص بك بأكثر من قيمة السيارة - يشار إلى ذلك الوضع بأنه "مقلوب" - عندئذ يكون لديك حقوق ملكية سلبية. بعبارة أخرى، إذا حاولت بيع سيارتك، فلن تتمكن من الحصول على ما تدين به بالفعل. على سبيل المثال، لنفترض أنك مدينة بمبلغ 10,000 دولار على قرض سيارتك وأن سيارتك الآن تساوي 8,000 دولار. وهذا يعني أن لديك حقوق ملكية سلبية بقيمة 2,000 دولار. يجب سداد هذا الرصيد السلبي إذا كنت ترغب في مقايضة سيارتك والحصول على قرض سيارة لشراء سيارة جديدة.

    قرض السيارة بدون الكشف عن السجل الائتماني أو "أشتري هنا، وأدفع هنا" (No credit check or "buy here, pay here" auto loan)

    يتم تقديم قرض السيارة "بدون الكشف عن السجل الائتماني" أو "اشتر هنا، وأدفع هنا" من قبل الوكلاء الذين يمولون عادةً قروض السيارات "داخلياً" للمقترضين الذين ليس لديهم سجل ائتماني أو سجلهم الائتماني ضعيف.
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    المبلغ الأساسي (Principal)

    المبلغ الأساسي هو المبلغ الذي وافقت في الأصل على سداده.

    بشكل عام، سيتم تطبيق أي دفعة يتم سدادها على قرض السيارة أولاً على أي رسوم مستحقة (على سبيل المثال، رسوم التأخير). بعد ذلك، سيتم تطبيق الأموال المتبقية من مدفوعاتك على أي فائدة مستحقة، بما في ذلك الفائدة المتأخرة، إن وجدت. وبعد ذلك، سيتم تطبيق بقية المبلغ على رصيد المبلغ الأساسي لقرضك.

    التسعير القائم على أساس المخاطر (Risk-based pricing)

    يحدث التسعير القائم على أساس المخاطر عندما يعرض المقرضون على مستهلكين مختلفين أسعار فائدة مختلفة أو شروط قرض أخرى، بناءً على المخاطر المقدرة المتمثلة في فشل المستهلكين في سداد قروضهم.
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    التكلفة الإجمالية (Total cost)

    هذا هو المبلغ الذي ستدفعه لشراء سيارتك، بما في ذلك المبلغ الأساسي والفائدة وأي دفعة مقدمة أو مقايضة، على مدى فترة القرض.

    إفصاح الحقيقة في الإقراض (Truth in Lending disclosure)

    يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) أن يتلقى المقترضون إفصاحات مكتوبة حول شروط ائتمانية مهمة قبل أن يلتزموا قانوناً بدفع القرض. تعرف على المزيد حول المعلومات المضمنة في الإفصاحات الخاصة بك وفقاً لقانون الحقيقة الفيدرالية في الإقراض (TILA) ومتى يجب أن تحصل عليها والقيام بمراجعتها.

    التمويل بسعر فائدة متغيّر (Variable-rate financing)

    التمويل بسعر فائدة متغيّر هو عندما يمكن أن يتغير سعر الفائدة على قرضك، بناءً على السعر الأساسي أو سعر آخر يسمى "المؤشر". ومع وجود قرض بسعر فائدة متغيّر، يتغير سعر الفائدة على القرض مع تغير سعر المؤشر، مما يعني أنه قد يرتفع أو ينخفض. نظرا لإمكانية ارتفاع معدل الفائدة، يمكن أيضاً أن ترتفع دفعتك الشهرية. وكلما طالت مدة القرض، زادت مخاطر القرض المتغيّر على المقترض، لأن هناك المزيد من الوقت لزيادة أسعار الفائدة.  التمويل ذو السعر المتغيّر هو أحد أنواع التمويل. وهناك نوع آخر هو التمويل ذو السعر المتغيّر.

    التأمين للمصلحة الفردية للبائع (Vendor's Single Interest (VSI) insurance)

    يحمي تأمين المصلحة الفردية للبائع (VSI) المُقرض، ولكن ليس أنت، في حالة تلف السيارة أو تعرضها للدمار.

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    Bank accounts key terms (in Arabic)
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    المصطلحات الرئيسية للحسابات المصرفية

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    غرفة المقاصة الآلية (ACH) (Automated Clearing House (ACH))

    إن تفويض غرفة المقاصة الآلية (ACH) هو تفويض دفع يمنح المُقرض الإذن بأخذ الأموال إلكترونياً من البنك أو الاتحاد الائتماني أو حساب البطاقة المدفوعة مسبقاً عند استحقاق الدفع. يمكنك إلغاء هذا التفويض.


    الدفع عن طريق الخصم التلقائي (Automatic debit payment)

    من خلال عمليات الخصم التلقائية، فإنك تمنح الإذن للشركة لأخذ المدفوعات مباشرة من حسابك المصرفي. يختلف هذا الأمر عن ميزة دفع الفواتير المتكرر التي يقدمها المصرف. في دفع الفواتير المتكرر، أنت تمنح الإذن للمصرف أو الاتحاد الائتماني لإرسال الدفعات إلى الشركة.


    شهادة الإيداع (CD) (Certificate of deposit (CD))

    شهادة الإيداع أو (CD) هي نوع خاص من حسابات التوفير التي تقدمها البنوك أو الاتحادات الائتمانية. يجب عليك بشكل عام الاحتفاظ بالأموال في شهادة الإيداع لفترة زمنية محددة لتجنب العقوبات.

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    تجديد شهادة الإيداع (CD) (Certificate of deposit (CD) rollover)

    يمكن أن يحدث التمديد أو التجديد في نهاية مدة شهادة الإيداع(CD) .

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    الكمبيالة تحت الطلب (Demand draft)

    تسمح الكمبيالة تحت الطلب لشخص ما بسحب الأموال من حسابك الجاري دون توقيعك.

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    تعليق الإيداع (Deposit hold)

    يُشار أحياناً إلى مقدار الوقت الذي يحتفظ فيه البنك أو الاتحاد الائتماني بالأموال التي تودعها عن طريق الشيك بفترة "تعليق الإيداع" أو "تعليق الشيك". قد توفر بعض البنوك أو الاتحادات الائتمانية الأموال بسرعة أكبر مما يتطلبه القانون، وقد يُسرّع بعضها من توفر الأموال مقابل رسوم.


    المؤتمن (Fiduciary)

    المؤتمن هو الشخص الذي يدير أموالاً أو ممتلكات لشخص آخر. عندما يتم تسميتك بصفتك مؤتمناً، فأنت ملزم بموجب القانون بإدارة أموال وممتلكات الشخص لصالحه، وليس لصالحك.


    الوصي على الممتلكات (Guardian of property)

    الوصي على الممتلكات هو شخص تسميه المحكمة لإدارة الأموال والممتلكات لشخص آخر وجدت المحكمة أنه لا يمكنه إدارة أمواله وممتلكاته بمفرده.

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    رقم تعريف دافع الضرائب الفردي (ITIN) (Individual taxpayer identification number (ITIN))

    رقم تعريف دافع الضرائب الفردي (ITIN) هو رقم تعريف تحصل عليه من دائرة الإيرادات الداخلية (مصلحة الضرائب). يتوفر رقم تعريف دافع الضرائب الفردي (ITIN) فقط لبعض الأجانب المقيمين وغير المقيمين، وزوجاتهم، والمعالين الذين لا يمكنهم الحصول على رقم الضمان الاجتماعي.


    حساب مشترك (Joint account)

    إذا كنت ترغب في تمكين صديق أو أحد أفراد العائلة من كتابة الشيكات وإجراء الودائع نيابة عنك، فقد تفكر في فتح حساب مشترك. بشكل عام، يمكن لكل شخص يكون اسمه في حساب مشترك كتابة الشيكات أو سحب الأموال أو إجراء المعاملات أو نقل الأموال أو إغلاق الحساب. وإذا كان أحد أصحاب الحسابات يدين بالمال، فإن الدائن يستطيع أن يحاول تحصيل الأموال من الحساب المصرفي المشترك.


    حساب سوق المال (Money market account)

    حساب سوق المال هو نوع خاص من الحسابات تقدمه البنوك والاتحادات الائتمانية.


    رسوم الأموال غير الكافية (NSF) (Non-sufficient funds (NSF) fees)

    قد يتم فرض رسوم (NSF) أو رسوم الأموال غير الكافية عندما لا يتم دفع الشيك أو التفويض الإلكتروني بسبب نقص الأموال في حسابك. يشار إلى هذا عادةً باسم الشيك "المرتجع" أو "المرتد".


    السحب على المكشوف (Overdraft)

    يحدث السحب على المكشوف عندما لا يكون لديك ما يكفي من المال في حسابك لتغطية المعاملة، ولكن البنك يدفع المعاملة على أية حال. يمكنك السحب على المكشوف من حسابك من خلال الشيكات ومعاملات الصراف الآلي والشراء ببطاقات الخصم ودفع الفواتير التلقائي والسحب الإلكتروني أو الشخصي.

    تقدم العديد من البنوك والاتحادات الائتمانية برامج حماية من السحب على المكشوف يقوم فيها المصرف أو الاتحاد الائتماني عموماً بدفع المعاملة ويفرض عليك رسوماً (بالإضافة إلى المطالبة بسداد مبلغ السحب على المكشوف). يمكن أيضاً تغطية السحب على المكشوف من خلال تحويل الأموال من حساب مرتبط أو بطاقة ائتمانية أو خط ائتماني.


    خط الائتمان الشخصي (Personal line of credit)

    إن خط الائتمان الشخصي هو قرض يمكنك الوصول إليه من وقت لآخر. أنت تكتب شيكات خاصة أو تطلب تحويل إلى الحساب الجاري عبر الهاتف أو عبر الإنترنت.

    مثل حساب بطاقة الائتمان، لديك حد ائتماني، وتتلقى فاتورة شهرية، وتسدد حداً أدنى للدفع على الأقل، وتدفع الفائدة على أساس رصيدك المستحق، وربما تدفع رسوماً في كل مرة تستخدم فيها الحساب.

    خطوط الائتمان الشخصية غير مضمونة، على عكس خطوط الائتمان الخاصة بملكية المنزل (HELOCs)، والتي تكون مدعومة برهن عقاري على منزلك. يتم تقديم خطوط الائتمان الشخصية من قبل البنوك والاتحادات الائتمانية وعادة ما تتطلب أن يكون لديك أيضاً حساب جارٍ مع نفس المؤسسة.


    التوكيل الرسمي (Power of attorney)

    التوكيل الرسمي (POA) هو مستند قانوني يسمح لشخص آخر بالتصرف نيابة عنك. يعد إنشاء توكيل رسمي طريقة لتعيين صانع قرار بديل وهو غير مكلف نسبياً، على الرغم من أنه قد يتطلب مساعدة من محامٍ.

    ويمكن استخدام التوكيل (POA) المالي كأداة للتخطيط للعجز في المستقبل - عدم القدرة على اتخاذ القرارات المالية بسبب، على سبيل المثال، الخرف أو إصابات الدماغ الرضية أو بعض الإعاقات الأخرى التي تؤثر على الوظيفة العقلية. عند استخدامه للتخطيط المسبق، يكون التوكيل (POA) عموماً "دائم"، مما يعني أنه يستمر في كونه فعالاً حتى إذا أصبح الشخص الذي قام بإنشائه عاجزاً. تابع القراءة لمعرفة المزيد عن التوكيل الرسمي (POA).


    المستفيد التمثيلي (Representative payee)

    تعيّن إدارة الضمان الاجتماعي (SSA) شخصاً ليكون ممثلاً للمستفيد لشخص آخر يحتاج إلى مساعدة في إدارة مدفوعات الضمان الاجتماعي أو مخصصات دخل الضمان التكميلي (SSI). يمكن لممثل المستفيد إدارة شيكات الاستحقاق التي يدفعها نظام إدارة الضمان الاجتماعي فقط. إذا كان الشخص الذي يتلقى المزايا يملك أموالاً أو ممتلكات أخرى لا يستطيع إدارتها، فيجب أن يكون لممثل المستفيد سلطة قانونية من مصدر آخر لإدارة أموال أخرى. على سبيل المثال، يمكن للمحكمة أيضاً تعيين ممثل المستفيد كحارس للممتلكات. كممثل للمستفيد من الضمان الاجتماعي، أنت مؤتمن.

    لمزيد من المعلومات حول ممثل المستفيد، اقرأ هذا الدليل حول إدارة أموال شخص آخر.


    وصية الشخص الحي القابلة للإلغاء (Revocable living trust)

    إن وصية الشخص الحي القابلة للإلغاء هي وثيقة قانونية تمنحك سلطة اتخاذ قرارات بشأن أموال شخص آخر أو ممتلكاته التي يحتفظ بها في صندوق استئماني.

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    ممثل المستفيد من الضمان الاجتماعي (Social Security representative payee)

    يتم تعيين ممثل المستفيد من قبل إدارة الضمان الاجتماعي لشخص آخر يحتاج إلى المساعدة في إدارة مدفوعات الضمان الاجتماعي أو استحقاقات دخل الضمان الاجتماعي التكميلي.

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    مؤتمن إدارة شؤون المحاربين القدماء (VA fiduciary)

    المؤتمن هو الشخص الذي يدير أموالاً أو ممتلكات لشخص آخر. وتتولى إدارة شؤون المحاربين القدامى (VA) تعيين المؤتمنين لإدارة مزايا المحاربين القدامى لصالح الأشخاص الذين لا يستطيعون إدارة الأموال بأنفسهم.

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    معدل الفائدة السنوية المئوية ((APR) Annual percentage rate)

    يعد معدل (APR)، أو معدل الفائدة السنوية المئوية، الطريقة القياسية لمقارنة تكلفة القروض. فهو يسمح لك بمقارنة تكاليف منتجات القروض على أساس "تفاح مقابل تفاح". يجب أن تكشف الشركة المصدرة لبطاقة الائتمان عن معدل الفائدة السنوية المئوية (APR) قبل قيامك بالموافقة على استخدام البطاقة.

    لحساب معدل الفائدة السنوية المئوية (APR)، تتم مقارنة سعر الفائدة والرسوم بالمبلغ الذي تقترضه وتحتسب على مدى فترة سنة واحدة. يتيح لك ذلك مقارنة تكاليف بطاقة الائتمان بقرض بأقساط لمدة ستة أشهر. وهذا هو سبب اختلاف معدلات الفائدة السنوية المئوية (APRs) غالباً عن أسعار الفائدة البسيطة.

    تحويل الرصيد (Balance transfer)

    يتيح لك تحويل الرصيد نقل رصيد مستحق من بطاقة ائتمان إلى أخرى، مقابل رسوم في بعض الأحيان. عادة ما تكون الرسوم نسبة مئوية معينة من المبلغ الذي تقوم بتحويله أو مبلغ ثابت، أيهما أكثر. تقدم العديد من شركات بطاقات الائتمان تحويلات مالية بنسبة صفر في المئة أو بفائدة منخفضة لدعوتك إلى دمج ديونك في بطاقة ائتمان واحدة. يستمر سعر الفائدة الترويجي لمعظم التحويلات المالية لفترة محدودة. بعد ذلك، قد يرتفع سعر الفائدة على بطاقة الائتمان الجديدة، مما يزيد من مبلغ دفعاتك.

    إذا تأخرت أكثر من 60 يوماً عن الدفع، فيمكن لشركة بطاقات الائتمان زيادة سعر الفائدة على كل الأرصدة، بما في ذلك الرصيد المحول.



    الرصيد الدائن (Credit balance)

    الرصيد الدائن في بيان الفواتير الخاص بك هو المبلغ الذي تدين به لك جهة إصدار البطاقة.

    تتم إضافة الأرصدة الدائنة إلى حسابك في كل مرة تقوم فيها بالدفع. كما يمكن إضافتها عند إرجاع شيء اشتريته بواسطة بطاقة ائتمان أو بسبب مكافآت كسبتها أو خطأ في فاتورة سابقة. إذا تجاوز إجمالي الأرصدة الدائنة المبلغ الذي تدين به، يظهر رصيدك الدائن في كشف الحساب.
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    معدل الفائدة الدوري اليومي (Daily periodic rate)

    تقوم بعض جهات إصدار البطاقات بحساب الفائدة على الحساب باستخدام معدل الفائدة الدوري اليومي، والذي يتم استخدامه لحساب الفائدة عن طريق ضرب المعدل في المبلغ المستحق في نهاية اليوم. ثم يضاف مبلغ الفائدة هذا إلى رصيد اليوم السابق، وهذا يعني أن الفائدة تتفاقم على أساس يومي.

    فترة السماح (Grace period)

    فترة السماح هي الفترة بين نهاية دورة الفوترة وتاريخ استحقاق الدفع. خلال هذا الوقت، قد لا يتم فرض فائدة عليك طالما أنك تدفع رصيدك بالكامل بحلول تاريخ الاستحقاق. لا يطلب من شركات بطاقات الائتمان منح فترة سماح. ومع ذلك، توفر معظم بطاقات الائتمان فترة سماح على عمليات الشراء.
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    سعر الفائدة (Interest rate)

    إن سعر فائدة بطاقة الائتمان هو السعر الذي تدفعه في مقابل اقتراض المال. بالنسبة لبطاقات الائتمان، عادةً ما يتم تحديد أسعار الفائدة كمعدل سنوي، وهذا ما يسمى معدل الفائدة السنوية المئوية (APR). في معظم البطاقات، يمكنك تجنب دفع الفائدة على المشتريات إذا دفعت رصيدك بالكامل كل شهر بحلول تاريخ الاستحقاق.

    عرض بطاقة الائتمان ذات الفحص المسبق (Prescreened credit card offer)

    يتم عرض بطاقة الائتمان ذات الفحص المسبق عندما تستخدم شركات بطاقات الائتمان معلومات من شركات تقارير الائتمان لتقديم عروض ائتمانية مؤكدة لك إذا كان سجلك الائتماني يفي بالمعايير التي حددتها شركة البطاقة.
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    الاستخدام غير المصرح به (Unauthorized use)

    بشكل عام، فإن الاستخدام غير المصرح به هو استخدام بطاقة ائتمان من قبل شخص ليس لديه الحق في استخدام البطاقة. على سبيل المثال، إذا فقدت بطاقتك وقام شخص ما بالعثور عليها واستخدامها، سيكون ذلك استخداماً غير مصرح به.

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    الاستعلام عن الائتمان (Credit inquiry)

    يشير الاستعلام إلى طلب للنظر في ملف الائتمان الخاص بك، وهو يندرج عموماً ضمن أحد النوعين.
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    غير المرئي من الناحية الائتمانية (Credit invisible)

    في عام 2015، قٌمنا بنشر تقرير خلص إلى أن 26 مليون أميركي "غير مرئيين من الناحية الائتمانية". ويشير هذا الرقم إلى أن واحداً من كل عشرة بالغين لا يملك أي تاريخ ائتماني مع إحدى الشركات الثلاث الوطنية للإبلاغ عن الائتمان. هناك 19 مليون مستهلك إضافي لديهم ملفات ائتمانية "غير قابلة للمراقبة"، مما يعني أن ملفهم ضعيف ولديهم سجل ائتماني غير كافٍ (9.9 مليون) أو لديهم ملفات قديمة ويفتقرون إلى أي سجل ائتماني حديث (9.6 مليون). وباختصار، هناك 45 مليون مستهلك قد لا يحصلون على الائتمان لأنهم لا يملكون سجلات ائتمانية يمكن تقييمها. فالأشخاص الذين يعتبرون غير مرئيين من الناحية الائتمانية أو ملفاتهم الائتمانية غير قابلة للمراقبة بشكل عام لا يتمتعون بإمكانية الوصول إلى ائتمان جيد وقد يواجهون مجموعة من المشكلات، من محاولة الحصول على الائتمان إلى استئجار شقة.

    خدمة مراقبة الائتمان (Credit monitoring service)

    خدمة مراقبة الائتمان هي خدمة تجارية تفرض عليك رسوماً لمراقبة تقارير الائتمان الخاصة بك وتنبيهك بالتغييرات التي تطرأ على الحسابات المدرجة في تقرير الائتمان الخاص بك.
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    تقرير الائتمان (Credit report)

    تقرير الائتمان عبارة عن بيان يحتوي على معلومات حول نشاطك الائتماني وحالة الائتمان الحالية مثل تاريخ تسديد القرض وحالة حسابات الائتمان الخاصة بك.

    شركة إعداد التقارير الائتمانية (Credit reporting company)

    شركات إعداد التقارير الائتمانية، والمعروفة أيضاً باسم مكاتب الائتمان أو وكالات الإبلاغ عن تقارير المستهلك، هي شركات تقوم بتجميع تقارير الائتمان وبيعها.

    درجة الائتمان (Credit score)

    تتنبأ درجة الائتمان بمدى احتمالية سداد القرض في الوقت المحدد. تستخدم الشركات صيغة رياضية - تسمى نموذج التسجيل - لإنشاء درجة الائتمان الخاصة بك من المعلومات الواردة في تقرير الائتمان الخاص بك. من المهم أن تعرف أنه ليس لديك درجة ائتمان "واحدة" فقط وأن هناك العديد من درجات الائتمان المتاحة لك وكذلك للمقرضين. تعتمد أي درجة ائتمانية على البيانات المستخدمة لحسابها، وقد تختلف اعتماداً على نموذج التسجيل، ومصدر سجل الائتمان الخاص بك، ونوع منتج القرض، وحتى اليوم الذي تم فيه حسابه.

    قانون الإبلاغ العادل عن الائتمان (Fair Credit Reporting Act)

    ويعمل القانون الفيدرالي للإبلاغ العادل عن الائتمان (FCRA) على تعزيز دقة المعلومات وعدالتها وخصوصيتها في ملفات وكالات الإبلاغ عن تقارير المستهلكين. هناك العديد من أنواع وكالات الإبلاغ عن تقارير المستهلكين، بما في ذلك مكاتب الائتمان والوكالات المتخصصة (مثل الوكالات التي تبيع معلومات عن سجلات كتابة الشيكات والسجلات الطبية وسجلات تاريخ الإيجار). تعرف على المزيد عن حقوقك الرئيسية في إطار القانون الفيدرالي للإبلاغ العادل عن الائتمان (FCRA).


    درجة FICO score) FICO)

    إن درجة FICO® هي علامة تجارية معينة من درجة الائتمان.

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    تنبيه الاحتيال (Fraud alert)

    يتطلب تنبيه الاحتيال من الدائنين الذين يقومون بفحص تقرير الائتمان الخاص بك اتخاذ خطوات للتحقق من هويتك قبل فتح حساب جديد أو إصدار بطاقة إضافية أو زيادة حد الائتمان على حساب موجود بناءً على طلب المستهلك. عندما تضع تنبيها بشأن الاحتيال في تقرير الائتمان الخاص بك لدى إحدى شركات الإبلاغ عن تقارير الائتمان على المستوى الوطني، يجب على هذه الشركة أن تخطر الشركات الأخرى بذلك. هناك نوعان رئيسيان من تنبيهات الاحتيال: تنبيهات الاحتيال الأولية والتنبيهات الموسعة.



    تقرير الائتمان المجاني (Free credit report)

    يحق لك طلب نسخة مجانية واحدة من تقريرك الائتماني كل عام من كل شركة من الشركات الثلاث الكبرى المتخصصة في إعداد التقارير الائتمانية للمستهلكين (Equifax وExperianوTransUnion) عن طريق زيارة AnnualCreditReport.com . وعند زيارة AnnualCreditReport.com ، قد تجد خطوات لعرض تقاريرك الائتمانية المحدثة مجانًا عبر الإنترنت. وبمجرد استلام تقريرك الائتماني المجاني السنوي، لا يزال بإمكانك طلب تقارير إضافية. وفقًا للقانون، لا يجوز لأي شركة من شركات إعداد التقارير الائتمانية أن تتقاضى ما لا يزيد عن 14.50 دولارًا مقابل تقرير الائتمان.

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    مراقبة الهوية أو الحماية من سرقة الهوية (Identity monitoring or identity theft protection)

    تراقب خدمات سرقة الهوية معلومات التعريف الشخصية في طلبات الائتمان والسجلات العامة ومواقع الويب وغيرها من الأماكن لأي نشاط غير اعتيادي قد يظهر علامات على سرقة الهوية.

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    سرقة الهوية (Identity theft)

    تحدث سرقة الهوية عندما يسرق شخص هويتك الشخصية لارتكاب عملية احتيال. قد يعني سرقة هويتك استخدام معلومات شخصية من دون إذنك، مثل:

    • اسمك
    • رقم الضمان الاجتماعي
    • رقم بطاقة الائتمان


    تنبيه الخدمة العسكرية النشطة (Military active duty alert)

    يمكن لأفراد القوات المسلحة (مثل أفراد المارينز والجيش والبحرية والقوات الجوية وخفر السواحل) أن يطلبوا تنبيه الخدمة العسكرية النشطة. عندما تضع تنبيها حول نشاطك في الخدمة العسكرية على تقرير الائتمان الخاص بك، يجب على الدائنين اتخاذ خطوات معقولة للتأكد من أنك الشخص الذي يقدم الطلب بالفعل قبل فتح حساب، أو إصدار بطاقة ائتمان إضافية على حساب موجود، أو زيادة حد الائتمان على حسابك الحالي. تستمر تنبيهات الخدمة العسكرية النشطة لمدة 12 شهراً. ستتم إزالة اسمك أيضاً من قوائم التسويق للفحص المسبق لشركات إعداد التقارير الائتمانية على المستوى الوطني لعروض الائتمان والتأمين لمدة عامين.


    التحصيل المدفوع (Paid collection)

    التحصيل المدفوع هو حساب دخل في مرحلة التحصيل لأنه فات موعد استحقاقه ثم تم دفعه.
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    التجميد الأمني

    يمنع "التجميد الأمني" لتقرير الائتمان الدائنين الجدد من الوصول إلى ملف الائتمان الخاص بك والآخرين من فتح حسابات باسمك حتى تقوم برفع التجميد. نظراً لأن معظم الشركات لن تفتح حسابات ائتمانية دون التحقق من تقرير الائتمان الخاص بك، فإن التجميد يمكن أن يمنع لصوص الهوية من فتح حسابات جديدة باسمك.


    شركات إعداد تقارير المستهلك المتخصصة (Specialty consumer reporting company)

    تقوم شركات إعداد تقارير المستهلك المتخصصة بجمع وتبادل المعلومات حول تاريخ التوظيف الخاص بك، وسجل المعاملات مع الأعمال التجارية أو تاريخ السداد لمنتج أو خدمة معينة.


    تقرير فحص المستأجر (Tenant screening report)

    تقرير يستخدمه الملاك للمساعدة في اتخاذ القرارات بشأن المستأجرين المحتملين. قد يحتوي تقرير فحص المستأجر على معلومات من مصادر عديدة بما في ذلك سجل الإيجار وتقارير الائتمان.

    اقرأ المزيد (باللغة الإنكليزية)


    ملف الائتمان الرقيق/ عدم وجود ملف ائتمان (Thin credit file / No credit file)

    يعني ملف الائتمان الرقيق أو عدم وجود ملف ائتمان أن الشخص ليس لديه سجل ائتماني أو ليس لديه سجل ائتماني حالي كافٍ لإنتاج درجة ائتمانية. انظر:غير المرئي من الناحية الائتمانية

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    مستشار ائتماني (Credit counselor)

    يمكن أن يساعد المستشارون الائتمانيون فيما يلي:

    • تقديم النصح لك بشأن إدارة أموالك وديونك
    • مساعدتك في وضع ميزانية
    • وهم في الغالب يقومون بتوفير مواد تعليمية وورش عمل مجانية

    وعادة ما يكون المستشارون الائتمانيون حاصلين على شهادات ومدربين في مجالات الائتمان الاستهلاكي وإدارة الأموال والديون والميزانية. يناقش المستشارون وضعك المالي بالكامل معك ويساعدون في وضع خطة مخصصة لحل مشاكلك المالية.

    قاعدة تحصيل الديون (Debt collection rule)

    أصدر مكتب الحماية المالية للمستهلكين (CFPB) "قواعد" سارية اعتباراً من 30 نوفمبر/ تشرين الثاني، 2021 توضح وتفسر القانون الفيدرالي لممارسات التحصيل العادل للديون (FDCPA).
    اقرأ المزيد (باللغة الإنكليزية)

    مُحصّل الديون (Debt collector)

    بموجب القانون الفيدرالي لممارسات التحصيل العادل للديون، يكون مُحصّل الديون عموماً شخصاً أو شركة تقوم بتحصيل الديون المستحقة للآخرين بانتظام، وعادةً عندما تكون هذه الديون متأخرة السداد.

    ويشمل محصلو الديون وكالات التحصيل أو المحامين الذين يحصلّون الديون كجزء من أعمالهم. هناك أيضاً شركات تشتري الديون المتأخرة من الدائنين أو الشركات الأخرى ثم تحاول تحصيلها. ويطلق على محصلي الديون هؤلاء أيضاً وكالات تحصيل الديون، أو شركات تحصيل الديون، أو مشتري الديون.


    خدمات تسوية (تخفيف) الديون (Debt settlement (relief) services)

    إن شركات تسوية الديون هي شركات تزعم أنها قادرة على إعادة التفاوض أو التسوية أو تغيير شروط ديون الشخص إلى دائن أو مُحصّل ديون. إن التعامل مع شركات تسوية الديون قد يكون محفوفاً بالمخاطر. اقرأ المزيد (باللغة الإنكليزية)

    قانون ممارسات التحصيل العادل للديون ((FDCPA) Fair Debt Collection Practices Act)

    قانون ممارسات التحصيل العادل للديون (FDCPA) هو القانون الفيدرالي الرئيسي الذي يحكم ممارسات تحصيل الديون. يحظر قانون ممارسات التحصيل العادل للديون (FDCPA) على شركات تحصيل الديون استخدام ممارسات مسيئة أو غير عادلة أو مخادعة لجمع الديون منك. اقرأ المزيد من المعلومات حول حقوقك في إطار قانون ممارسات التحصيل العادل للديون (FDCPA).

    حجز مال المدين لدى الغير (Garnishment)

    يحدث الحجز على المرتب أو الحساب المصرفي عندما يأخذ الدائن جزءاً من راتبك أو أموالك من حسابك المصرفي لتحصيل المال الذي تدين به. وتتطلب عمليات حجز مال المدين لدى الغير عموماً أمراً قضائياً يصدر عن حكم قضائي. ولكن بعض الديون المستحقة للحكومة قد تؤدي أيضاً إلى الحجز، حتى بدون حكم.

    قوانين الولاية والقوانين الفيدرالية لها حدود أو "إعفاءات" تنطبق على عملية الحجز على الحساب المصرفي والأجور، عادةً للتأكد من أن لديك شيئاً ما تبقى لتعيش عليه. كما يعد انتهاكاً لقانون ممارسات التحصيل العادل للديون (FDCPA) أن يهدد مُحصّل الديون بالحجز على راتبك إذا لم يكن من الممكن حجز راتبك بشكل قانوني.

    المضايقة من قِبل مُحصّل الديون (Harassment by a debt collector)

    يقول قانون ممارسات التحصيل العادل للديون (FDCPA) أن محصلي الديون لا يستطيعون مضايقتك أو قمعك أو إساءة معاملتك أنت أو أي شخص آخر يتصلون به.

    ومن الممكن أن تأتي المضايقات من قبل مُحصّل الديون بأشكال مختلفة. تشمل الأمثلة المكالمات الهاتفية المتكررة التي تهدف إلى إزعاجك، أو إساءة معاملتك أو مضايقتك أنت أو أي شخص يرد على الهاتف؛ واستخدام لغة بذيئة أو مهينة؛ والتهديدات بالعنف أو الأذى؛ ونشر قوائم بالأشخاص الذين يرفضون سداد ديونهم (لا يشمل ذلك الإبلاغ عن المعلومات إلى شركة إعداد تقارير الائتمان)؛ والاتصال بك دون إخبارك من هُم.


    الحُكم (Judgement)

    الحُكم هو نتيجة رسمية لدعوى قضائية في المحكمة. في دعاوى تحصيل الديون، يجوز للقاضي أن يمنح الدائن أو مُحصّل الديون حكماً ضدك. إذا لم ترد على شكوى قانونية، فستفقد فرصتك للدفاع عن نفسك وقد تجد أن حُكماً قد صدر ضدك.

    إذا قام شخص ما بمقاضاتك، أو إذا حصل شخص ما على حكم ضدك ولم تكن متأكداً مما يجب عليك القيام به، فتحدث إلى محامٍ. قد يقدم بعض المحامين خدمات مجانية أو يتقاضون رسوماً مخفضة. قد تكون هناك أيضاً مكاتب للمساعدة القانونية أو عيادات قانونية في منطقتك تقدم خدماتها مجاناً إذا استوفيت معايير معينة. يجب على أفراد القوات المسلحة في الخدمة استشارة المكتب المحلي للوكيل العام القاضي (JAG) .


    رسالة ذات محتوى محدود (Limited-Content Message)

    بموجب قاعدة تحصيل الديون، هذه رسالة بريد صوتي إلى المستهلك يجب أن تحتوي على بعض المعلومات المطلوبة وقد تحتوي على محتوى اختياري آخر.
    اقرأ المزيد (باللغة الإنكليزية)

    الدائن الأصلي (Original creditor)

    بشكل عام، الدائن الأصلي هو الشركة التي قدمت لك القرض أو الائتمان. قد يحاول الدائن الأصلي تحصيل حساب ائتمان متأخر السداد بنفسه، أو قد يستأجر محصلاً للديون. ويجوز للدائن الأصلي أيضاً أن يبيع حسابك الائتماني إلى مُحصّل للديون. ويكون مًحصل الديون بوجه عام طرفاً ثالثاً تم التعاقد معه خصيصاً لتحصيل حسابك، أو شخصاً اشتراه من الدائن الأصلي أو من جهة أخرى تقوم بتحصيل الديون أو من مشتري للديون.

    قانون التقادم (Statute of limitations)

    قانون التقادم هو الفترة الزمنية المحدودة التي يتعين على الدائنين أو محصلي الديون القيام فيها برفع دعوى قضائية لاسترداد الديون. تقع معظم قوانين التقادم في نطاق ثلاث إلى ست سنوات، على الرغم من أنها قد تمتد ف

    ي بعض الولايات القضائية لفترة أطول. قد تختلف قوانين التقادم وفقاً لقوانين الولاية أو نوع الدين الذي لديك أو قانون الولاية المذكور في اتفاقية الائتمان الخاصة بك.

    إشعار التحقق (Validation notice)

    مطلوب من محصل الديون تقديم معلومات معينة عندما يتواصل لأول مرة مع المستهلك، أو بعد فترة وجيزة. عندما يقدم مُحصّل الديون هذه المعلومات المطلوبة إلكترونياً أو كتابياً، يسمى هذا إشعار التحقق.

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    الاستغلال المالي لكبار السن (Elder financial exploitation)

    الاستغلال المالي لكبار السن هو الاستخدام غير القانوني أو غير المناسب لأموال أو ممتلكات أو أصول كبار السن. وهو الشكل الأكثر شيوعًا لإيذاء كبار السن، ولكن يتم الإبلاغ عن نسبة قليلة فقط من الحوادث.

    يمكن أن يكون الجناة غرباء يكتسبون ثقة كبار السن، ولكن يمكن أن يكونوا أيضًا أفرادًا من العائلة أو الأصدقاء. من المهم معرفة الإشارات التحذيرية. اقرأ المزيد (باللغة الإنكليزية)

    عمليات الاحتيال المتعلقة بالإعفاء من الحجز على الرهن العقاري (Foreclosure relief scam)

    إن عمليات الاحتيال المتعلقة بالإعفاء من الحجز على الرهن العقاري وتعديل قروض الرهن العقاري هي مخططات لأخذ أموالك أو منزلك - غالبًا عن طريق تقديم وعد كاذب بإنقاذك من الحجز على الرهن العقاري. قد يطلب هؤلاء المحتالون المال مقدمًا ويدعون أنه يمكنك تغيير شروط الرهن العقاري الخاصة بك. إذا كنت تواجه مشكلة في سداد مدفوعات الرهن العقاري، فيمكن لوكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية المدنية الأمريكية (HUD) إرشادك إلى الخيارات المتاحة أمامك مجانًا.

    التنبيه من حالات الاحتيال للوقاية (Fraud alert for prevention)

    التنبيه من حالات الاحتيال هو شيء يمكنك استخدامه لتقليل احتمالية تعرضك لسرقة هوية حساب جديد. يتطلب من الدائنين الذين يقومون بفحص تقرير الائتمان الخاص بك اتخاذ خطوات للتحقق من هويتك قبل فتح حساب جديد أو إصدار بطاقة إضافية أو زيادة حد الائتمان على حساب موجود. عندما تضع تنبيهًا بالاحتيال على تقرير الائتمان الخاص بك في إحدى شركات التقارير الائتمانية على مستوى الدولة، يجب على الشركة إخطار الآخرين.

    هناك نوعان رئيسيان من تنبيهات الاحتيال: تنبيهات الاحتيال الأولية والتنبيهات الموسعة. أعضاء الجيش لديهم خيار إضافي متاح لهم - تنبيهات الخدمة الفعلية، والتي توفر الحماية لأفراد الخدمة أثناء وجودهم في الخدمة الفعلية. اقرأ المزيد (باللغة الإنكليزية).

    الاحتيال من قبل الوكلاء الائتمانيين (Fraud by fiduciaries)

    الوكيل الائتماني هو الشخص الذي يدير أموال أو ممتلكات شخص آخر. على سبيل المثال، الوكلاء بموجب توكيل رسمي والأوصياء الذين تعينهم المحكمة هم الوكلاء الائتمانيون.

    عندما يتم تسميتك بصفتك وكيلًا ائتمانيًا، فأنت ملزم بموجب القانون بإدارة أموال وممتلكات الشخص لصالحه، وليس لصالحك. عندما ينفق الوكيل الائتماني المال لمصلحته الخاصة، فقد يكون ذلك احتيالًا.

    سرقة الهوية (Identity theft)

    تحدث سرقة الهوية عندما يسرق شخص ما هويتك لارتكاب عملية احتيال.

    قد تعني سرقة هويتك استخدام المعلومات الشخصية دون إذنك، مثل اسمك أو رقم الضمان الاجتماعي أو معلومات الحساب المصرفي أو رقم بطاقة الائتمان.تقدم لجنة التجارة الفيدرالية معلومات حول منع سرقة الهوية والتحقق فيها.

    عمليات احتيال منتحلي الشخصية (Imposter scams)

    يحاول المحتالون منتحلو الشخصية إقناعك بإرسال الأموال من خلال التظاهر بأنهم أشخاص تعرفهم أو تثق بهم مثل ضابط أمن المنطقة أو موظف حكومي محلي أو تابع للولاية أو فيدرالي أو منظمة خيرية. تذكر أنه يمكن تزوير معرف المتصل. يمكنك دائمًا الاتصال بالمنظمة أو الوكالة الحكومية والسؤال عما إذا كان الشخص يعمل لديهم قبل تقديم أي أموال.

    الاحتيال عبر البريد (Mail fraud)

    تبدو رسائل الاحتيال عبر البريد حقيقية لكن الوعود وهمية. الإشارات التحذيرية الشائعة هي رسالة تطلب منك إرسال أموال أو معلومات شخصية الآن للحصول على شيء ذي قيمة بعد إرسال الأموال أو المعلومات.

    التصيد الاحتيالي (Phishing)

    في التصيد الاحتيالي، ينتحل المحتال شخصية شركة أو شخصًا لخداعك لتزويدهم بمعلوماتك الشخصية، مثل كلمات المرور أو أرقام بطاقات الائتمان أو معلومات الحساب المصرفي. قد يستخدم المحتال رسائل بريد إلكتروني أو رسائل نصية أو مواقع إلكترونية احتيالية لسرقة هذه المعلومات منك. قد تبدو رسائل البريد الإلكتروني أصلية.

    التجميد لأسباب أمنية للوقاية (Security freeze for prevention)

    يمنع التجميد لأسباب أمنية الدائنين الجدد من الوصول إلى ملف الائتمان الخاص بك والآخرين من فتح الحسابات التي تتطلب فحصًا ائتمانيًا باسمك، حتى ترفع التجميد.

    نظرًا لأن معظم الشركات لن تفتح حسابات ائتمانية دون التحقق من تقرير الائتمان الخاص بك، فإن التجميد يمكن أن يمنع سارقي الهوية من فتح حسابات جديدة باسمك. ضع في اعتبارك أن التجميد لا يمنع سارقي الهوية من الاستيلاء على الحسابات الحالية. اقرأ المزيد (باللغة الإنكليزية).

    الانتحال (Spoofing)

    يحدث الانتحال عندما يخفي المتصل المعلومات المعروضة في معرف المتصل الخاص بك. وهذا يعطي المتصل القدرة على إخفاء أو "انتحال" الاسم و / أو الرقم للظهور كما لو كانوا يتصلون بصفتهم شخص معين من مكان معين.

    الاحتيال عبر التحويل الإلكتروني أو تحويل الأموال (Wire or money transfer fraud)

    يخدعك بعض المحتالين حتى تقوم بالتحويل الإلكتروني أو تحويل الأموال لسرقتها منك. أحد الأمثلة الشائعة على الاحتيال عبر التحويل الإلكتروني هو "الاحتيال على الأجداد". يحدث هذا عندما يتصل المحتال الذي يتظاهر بأنه حفيد أو صديق للحفيد ويقول إنه في بلد أجنبي، أو في مشكلة ما، ويحتاج إلى أموال عبر التحويل الإلكتروني أو مرسلة على الفور.

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    How to avoid foreclosure (in Arabic)
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    كيفية تجنب الحجز على الرهن العقاري

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    أهم شيء يمكنك القيام به عندما تواجه مشكلة في سداد الرهن العقاري هو أخذ زمام الأمور. في معظم الحالات، فإن أسوأ شيء يمكنك فعله هو لا شيء. والأخذ بزمام الأمور يعني اتخاذ أربع خطوات:

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    1. إجراء أو تلقي مكالمة هاتفية للحصول على المساعدة

    خذ زمام الأمور عن طريق قبول مكالمات من محصّل أقساط الرهن العقاري الخاص بك. والأفضل من ذلك، اتصل بمحصّل أقساط الرهن العقاري بمجرد أن عرفت أنه لا يمكنك سداد دفعتك الشهرية. ورقم الهاتف موجود في فاتورتك الشهرية. وأخبر محصّل الأقساط الرهن العقاري الخاص بك عن سبب عدم قدرتك على سداد مدفوعاتك الشهرية واطلب منه  المساعدة في تجنب الحجز على الرهن العقاري.

    2. طلب مساعدة الخبراء المجانية

    قد يكون محصّل أقساط الرهن العقاري الخاص بك قادرًا على المساعدة إذا واجهتك مشكلة في سداد مدفوعات القرض. إذا لم تتمكن من الحصول على ما تحتاجه من محصّل الأقساط، فاطلب مساعدة الخبراء من وكالات الاستشارة السكنية القريبة منك. يمكن للمستشارين وضع خطة عمل مخصصة ومساعدتك في العمل مع شركة الرهن العقاري التي تتعامل معها. تفضل بزيارة consumerfinance.gov/mortgagehelp (قراءة باللغة الإنجليزية) أو اتصل هاتفيا على الرقم (800) 569-4287 وأدخل الرمز البريدي الخاص بك، للعثور على مستشار إسكان معتمد من وزارة الإسكان والتنمية الحضرية (HUD).

    3. توخي الحذر من عمليات الاحتيال

    يحاول المحتالون الاستفادة من مالكي المنازل الذين يواجهون مشاكل عن طريق تحصيل الكثير من المال - تصل إلى آلاف الدولارات - مقابل وعود كاذبة بالمساعدة. لا يجب أن تدفع لأي شخص لمساعدتك في تجنب الحجز على الرهن العقاري. قد تكون المساعدة التي تحتاجها متاحة لك مجانًا من محصّل أقساط الرهن العقاري الخاص بك، أو من خلال إحدى الوكالات الاستشارية المتخصصة في الإسكان والمعتمدة من وزارة الإسكان والتنمية الحضرية (HUD).

    4. طلب المساعدة

    يجب على محصّل أقساط القرض المتعامل معك أن يتصل بك ويزودك بمعلومات دقيقة ويخبرك بخيارات تخفيف الخسارة التي قد تكون مؤهلاً لها. ويشير تخفيف الخسارة إلى الطرق التي يمكن أن يعمل معك محصّل أقساط القرض  لتجنب الحجز على الرهن العقاري. إذا أرسلت طلبًا كاملاً إلى محصّل أقساط الرهن العقاري الخاص بك في وقت مبكر بما يكفي، فسيكون على محصّل أقساط الرهن العقاري أن يخبرك بالخيارات المتاحة أمامك للاحتفاظ بمنزلك، أو مغادرة منزلك إذا كان ذلك أكثر منطقية.

    يتمتع مستشارو الإسكان بخبرة كبيرة في مساعدة الناس على تجنب الحجز على الرهن العقاري. يمكنهم مساعدتك في الخطوات المعقدة لفهم خياراتك والتقدم بطلب للحصول على المساعدة.

    لا يمكن لمحصّل أقساط الرهن العقاري تقديم إشعار أولي أو طلب حجز على الرهن العقاري إلا بعد أن تتأخر أكثر من 120 يومًا عن سداد مدفوعاتك. بالإضافة إلى ذلك، عند تقديم طلب كامل للحصول على المساعدة في الرهن العقاري في وقت مبكر بما يكفي، لا يمكن لمحصّل أقساط الرهن العقاري البدء في إجراءات الحجز على الرهن العقاري أثناء تقييمك أو إذا كنت تتابع متطلبات تعديل القرض. لذا أنجز الأمر ولا تتأخر. كلما أكملت تقديم الطلب مبكرًا، كلما زادت إجراءات الحماية التي تحصل عليها.

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    كيفية اكتشاف عملية احتيالية للحجز على الرهن العقاري

    قد يخبرك منفذو العمليات الاحتيالية للحجز على الرهن العقاري بأنهم سينقذون منزلك من الحجز على الرهن العقاري، في حين أنهم في الحقيقة يأخذون أموالك فقط.

    انتبه لعلامات التحذير من الاحتيال الآتية:

    • يُطلب منك الدفع مقدمًا للحصول على المساعدة.
    • تضمن الشركة أنها ستغير شروط الرهن العقاري الخاص بك.
    • تضمن الشركة أنك لن تفقد منزلك.
    • يُطلب منك التوقيع على نقل ملكية منزلك أو التوقيع على مستندات أخرى لا تفهمها.
    • يتم توجيهك لإرسال مدفوعاتك إلى شخص آخر بخلاف شركة الرهن العقاري أو محصّل أقساط الرهن العقاري المتعامل معك.
    • تعرض الشركة إجراء "تدقيق شرعي للحسابات".
    • يُطلب منك التوقف عن سداد أقساط الرهن العقاري الخاص بك.
    • تذكر الشركة أنها تابعة للحكومة، أو تستخدم شعارًا يشبه ختم الحكومة ولكنه مختلف قليلاً.
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    تقديم شكوى بخصوص منتج أو خدمة مالية

    نرسل كل أسبوع أكثر من 10,000 شكوى حول المنتجات والخدمات المالية إلى الشركات للرد عليها. إذا كانت هناك وكالة أخرى قادرة على تقديم المساعدة بشكل أفضل، فسنرسلها إليهم ونعلمك بذلك. ومعظم الشركات تردّ في غضون 15 يومًا.

    • عبر الإنترنت (قراءة باللغة الإنجليزية) (باللغة الإنجليزية)
    • أو عن طريق الهاتف على الرقم (855) 411-2372 للمساعدة باللغة الإنجليزية، و 180 لغة أخرى. يتم الرد على المكالمات عادةً في أقل من دقيقة واحدة. وستتم ترجمة شكواك إلى اللغة الإنجليزية وإرسالها إلى الشركة للرد عليها. عندما ترد الشركة، فإنها ترد عادةً باللغة الإنجليزية، ولكن يمكنك الاتصال بنا لسماع رد مترجم.
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    Mortgages key terms (in Arabic)
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    المصطلحات الرئيسية للرهون العقارية

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    رهن عقاري قابل للتعديل 5/1 (5/1 Adjustable Rate Mortgage)

    الرهن العقاري القابل للتعديل 5/1 (ARM) أو الرهن العقاري القابل للتعديل لمدة 5 سنوات هو قرض عقاري حيث "5" هو عدد السنوات التي سيبقى فيها سعر الفائدة الأولي ثابتًا. يمثل "1" عدد المرات التي سيتم فيها تعديل سعر الفائدة بعد انتهاء فترة الخمس سنوات الأولى. أكثر الفترات الثابتة شيوعًا هي 3 و 5 و 7 و 10 سنوات و "1" هي فترة التعديل الأكثر شيوعًا. من المهم قراءة العقد بعناية وطرح الأسئلة إذا كنت تفكر في الرهن العقاري القابل

    تعرف على المزيد حول كيفية تغيير الأسعار القابلة للتعديل.



    قاعدة القدرة على السداد (Ability-to-repay rule)

    قاعدة القدرة على السداد هي القرار المعقول وحسن النية المطلوب من معظم مقرضي الرهن العقاري للتأكد من قدرتك على سداد القرض.
    اقرأ المزيد (باللغة الإنكليزية)

    الرهن العقاري القابل للتعديل (ARM) (Adjustable Rate Mortgage - ARM)

    الرهن العقاري القابل للتعديل (ARM) هو نوع من القروض التي يمكن أن يتغير سعر الفائدة عليها، عادةً فيما يتعلق بمعدل فائدة المؤشر. سترتفع دفعاتك الشهرية أو تنخفض اعتمادًا على الفترة التمهيدية للقرض، والحد الأقصى لأسعار الفائدة، ومعدل الفائدة على المؤشر. مع الرهن العقاري القابل للتعديل، قد يبدأ معدل الفائدة والدفع الشهري أقل من الرهن العقاري ذي السعر الثابت، ولكن قد يزيد كل من معدل الفائدة والدفع الشهري بشكل كبير.

    تعرف على المزيد حول كيفية عمل الرهن العقاري القابل للتعديل وما يجب مراعاته. 



    استهلاك القروض (Amortization)

    يعني الاستهلاك سداد القرض بدفعات منتظمة بمرور الوقت، بحيث يتناقص المبلغ المستحق عليك مع كل دفعة. يتم استهلاك معظم قروض الإسكان، لكن بعض قروض الرهن العقاري لا يتم استهلاكها بالكامل، مما يعني أنك ستظل مدينًا بالمال بعد سداد جميع مدفوعاتك.

    تسمح بعض قروض الإسكان بمدفوعات تغطي فقط مبلغ الفائدة المستحقة، أو مبلغ أقل من الفائدة المستحقة. إذا كانت المدفوعات أقل من مبلغ الفائدة المستحقة كل شهر، فسوف يزيد رصيد حساب الرهن العقاري بدلاً من أن ينقص. وهذا ما يسمى بالاستهلاك السلبي. قد تتطلب برامج القروض الأخرى التي لا يتم استهلاكها بالكامل أثناء القرض دفعة كبيرة "بالوني" في نهاية مدة القرض. تأكد من أنك تعرف نوع القرض الذي تحصل عليه.

    تعرف على المزيد حول عملية شراء المنزل.



    المبلغ الممول (Amount financed)

    هذا يعني مبلغ المال الذي تقترضه من المُقرض، مطروحًا منه معظم الرسوم المسبقة التي يفرضها عليك المُقرض.
    اقرأ المزيد (باللغة الإنكليزية)

    الدخل السنوي (Annual income)

    الدخل السنوي هو عامل في طلب قرض الرهن العقاري ويشير عمومًا إلى إجمالي الدخل المكتسب قبل الضريبة على مدار عام. قد يشمل الدخل السنوي الدخل من العمل بدوام كامل أو بدوام جزئي، أو العمل الحر، أو الإكراميات، أو العمولات، أو العمل الإضافي، أو المكافآت، أو مصادر أخرى. سوف يستخدم المُقرض معلومات حول دخلك السنوي وديونك الشهرية الحالية لتحديد ما إذا كان لديك القدرة على سداد القرض.

    يعتمد غالبًا ما إذا كان المقرض سيعتمد على مصدر دخل أو مبلغ معين عند دراسة حصولك على قرض على ما إذا كان يمكنك توقع استمرار الدخل بشكل معقول.

    تعرف على المزيد حول سبب أهمية قدرتك على السداد للمقرضين.



    معدل الفائدة السنوية المئوية (APR) (Annual Percentage Rate - APR)

    معدل الفائدة السنوية المئوية (APR) هو مقياس أوسع لتكلفة اقتراض الأموال من معدل الفائدة. يعكس معدل الفائدة السنوية معدل الفائدة وأي نقاط ورسوم سمسرة الرهن العقاري والرسوم الأخرى التي تدفعها للحصول على القرض. لهذا السبب، عادةً ما يكون معدل الفائدة السنوية الخاص بك أعلى من معدل الفائدة الخاص بك.

    تعلم كيفية مقارنة معدلات النسبة السنوية



    رسوم التقييم (Appraisal fee)

    رسوم التقييم هي تكلفة تقييم المنزل لمنزل تخطط لشرائه أو تملكه بالفعل. توفر تقييمات المنازل تقييمًا مستقلاً لقيمة العقار. في معظم الحالات، يعود اختيار المثمن وأي تكاليف مرتبطة به إلى المقرض الخاص بك.

    تعرف على المزيد حول عملية شراء المنزل



    الدفع الأوتوماتيكي (Automatic payment)

    تسمح لك المدفوعات الأوتوماتيكية بإعداد مدفوعات الرهن العقاري المتكررة من خلال البنك الذي تتعامل معه. يمكن أن تكون المدفوعات الأوتوماتيكية طريقة مناسبة للتأكد من قيامك بسداد مدفوعاتك في الوقت المحدد.



    قرض البالون (Balloon loan)

    بالنسبة إلى الرهون العقارية، يعني قرض البالون أن القرض يحتوي على دفعة أكبر من المعتاد لمرة واحدة، وعادةً ما يكون ذلك في نهاية مدة القرض. يُطلق على الدفعة لمرة واحدة اسم "دفعة البالون"، وهي أعلى من مدفوعاتك الأخرى، وأحيانًا تكون أعلى من ذلك بكثير. إذا لم تتمكن من دفع مبلغ البالون، فقد تضطر إلى إعادة التمويل أو بيع منزلك أو مواجهة الحجز على الرهن العقاري.

    اكتشف لماذا قد تكون قروض البالون محفوفة بالمخا



    الدفع نصف الشهري (Bi-weekly payment)

    في خطة الدفع نصف الشهري، يقوم موظف خدمات الرهن العقاري بتحصيل نصف مدفوعاتك الشهرية كل أسبوعين، مما يؤدي إلى 26 دفعة على مدار العام (بإجمالي دفعة شهرية إضافية واحدة في السنة). من خلال سداد دفعات إضافية وتطبيق مدفوعاتك على الأصل، قد تتمكن من سداد قرضك مبكرًا. قبل اختيار دفعة نصف شهرية، تأكد من مراجعة شروط القرض الخاص بك لمعرفة ما إذا كنت ستخضع لغرامة السداد المسبق إذا قمت بذلك. تحقق مما إذا كان مقدم الخدمة الخاص بك يتقاضى أي رسوم لخطة الدفع نصف الشهرية. قد تكون قادرًا على تحقيق نفس الهدف بدون رسوم عن طريق سداد دفعة شهرية إضافية للرهن العقاري كل عام.



    الكشف الختامي (Closing Disclosure)

    الكشف الختامي هو نموذج مطلوب من خمس صفحات يوفر التفاصيل النهائية حول قرض الرهن العقاري الذي حددته. يتضمن بنود القرض، ودفعاتك الشهرية المتوقعة، والمبلغ الذي ستدفعه في الرسوم والتكاليف الأخرى للحصول على الرهن العقاري الخاص بك.

    تعرف على كيفية التحقق مرة أخرى من صحة جميع التفاصيل المتعلقة بالقرض الخاص بك في الكشف الختامي الخاص بك.



    قرض البناء (Construction loan)

    عادةً ما يكون قرض البناء عبارة عن قرض قصير الأجل يوفر أموالًا لتغطية تكلفة بناء أو إعادة تأهيل منزل.

    اقرأ المزيد (باللغة الإنكليزية)

    القرض التقليدي (Conventional loan)

    القرض التقليدي هو أي قرض رهن عقاري غير مؤمن عليه أو مضمون من قبل الحكومة (مثل إدارة الإسكان الفيدرالية أو إدارة شؤون المحاربين القدامى أو برامج قروض إدارة الزراعة).

    تعرف على المزيد حول حول القروض التقليدية وأنواع القروض الأخرى.



    المُوقع المشارك أو المقترض المشارك (Co-signer or co-borrower)

    المُوقع المشارك أو المقترض المشارك هو الشخص الذي يوافق على تحمل المسؤولية الكاملة لسداد قرض الرهن العقاري معك. هذا الشخص ملزم بدفع أي مدفوعات فائتة وحتى المبلغ الكامل للقرض إذا لم تدفع. تميّز بعض برامج الرهن العقاري المُوقع المشارك على أنه شخص ليس على السند وليس له أي مصلحة في ملكية المنزل المرهون. إن وجود مُوقع مشارك أو مقترض مشارك على قرض الرهن العقاري الخاص بك يمنح المقرض ضمانًا إضافيًا بأن القرض سيتم سداده. لكن السجل الائتماني والمالي للمُوقع المشارك أو المقترض المشارك في خطر إذا لم تسدد القرض.

    تعرف على المزيد حول عملية شراء المنزل.



    سجل الائتمان (Credit history)

    سجل الائتمان هو سجل لحساباتك الائتمانية وتاريخ الدفع الخاص بك في الوقت المحدد كما هو موضح في تقرير الائتمان الخاص بك. تقوم شركات تقارير المستهلك، المعروفة أيضًا باسم شركات إعداد التقارير الائتمانية، بجمع وتحديث المعلومات المتعلقة بسجلك الائتماني وتقديمه إلى الشركات الأخرى التي تستخدمه لاتخاذ قرارات بشأنك. تحتوي تقارير الائتمان على معلومات حول نشاطك الائتماني والوضع الائتماني الحالي مثل تاريخ سداد القرض وحالة حساباتك الائتمانية.

    تعرف على المزيد حول التحقق من سجلك الائتماني قبل شراء منزل.



    تقرير الائتمان (Credit report)

    تقرير الائتمان عبارة عن بيان يحتوي على معلومات حول نشاطك الائتماني والوضع الائتماني الحالي مثل تاريخ سداد القرض وحالة حساباتك الائتمانية. يستخدم المقرضون نقاط الأهلية الائتمانية والمعلومات الواردة في تقرير الائتمان الخاص بك لتحديد ما إذا كنت مؤهلاً للحصول على قرض وما هو معدل الفائدة الذي تقدمه لك.

    تعرف على كيفية الحصول على نسخة من تقارير الائتمان الخاصة بك. 



    نقاط الأهلية الائتمانية (Credit score)

    تتوقع نقاط الأهلية الائتمانية مدى احتمالية سداد القرض في الوقت المحدد. تستخدم الشركات صيغة رياضية - تسمى نموذج حساب النقاط - لإنشاء نقاط الأهلية الائتمانية الخاصة بك من المعلومات الواردة في تقرير الائتمان الخاص بك. هناك نماذج مختلفة لحساب النقاط، لذلك ليس لديك نقاط أهلية ائتمانية واحدة فقط. تعتمد نقاطك على تاريخك الائتماني، ونوع منتج القرض، وحتى اليوم الذي تم فيه حسابه.

    اكتشف أين يمكنك الحصول على نقاط الأهلية الائتمانية الخاصة بك. 



    نسبة الديون (Debt ratio)

    نسبة الديون إلى الدخل هي جميع مدفوعات الديون الشهرية مقسومة على الدخل الشهري الإجمالي. هذا الرقم هو أحد الطرق التي يقيس بها المقرضون قدرتك على إدارة المدفوعات الشهرية لسداد الأموال التي تخطط لاقتراضها.

    تعرف على كيفية حساب نسبة الدين إلى الدخل. 



    سند الملكية بدل الحجز على الرهن العقاري (Deed-in-lieu of foreclosure)

    سند الملكية بدل الحجز على الرهن العقاري هو إجراء تسوية حيث تقوم طواعية بتسليم ملكية منزلك إلى المقرض لتجنب عملية الحجز على الرهن العقاري. قد يساعدك سند الملكية بدل الحجز على الرهن العقاري على تجنب تحمل المسؤولية الشخصية عن أي مبلغ متبقي في الرهن العقاري. إذا كنت تعيش في ولاية تكون فيها مسؤولاً عن أي عجز، وهو الفرق بين قيمة العقار الخاص بك والمبلغ الذي لا تزال مدينًا به لقرض الرهن العقاري الخاص بك، فستحتاج إلى مطالبة المقرض الخاص بك بالتنازل عن العجز. إذا تنازل المُقرض عن العجز، احصل على التنازل كتابيًا واحتفظ به في سجلاتك. سند الملكية بدل الحجز على الرهن العقاري هو أحد أنواع التخفيف من الخسارة. 



    المدفوعات المتأخرة (Delinquent)

    تعد المدفوعات المتأخرة مصطلح آخر للتأخر في سداد مدفوعاتك. يمكن أن يصبح قرضك متأخرًا في السداد عندما يفوتك السداد أو لا تسدد دفعة كاملة بحلول تاريخ الاستحقاق. في حال كونك متأخرًا عن السداد لفترة معينة من الوقت، يجوز للمقرض أو مقدم الخدمة أن يبدأ عملية الحجز على الرهن العقاري. قد تختلف الفترة الزمنية حسب الولاية.

    قد تنطبق القواعد الفيدرالية أيضًا على وقت بدء عملية الحجز على الرهن العقاري. تعرف على المزيد حول الخيارات المتاحة أمامك إذا لم تتمكن من سداد قرضك العقاري.



    ميزة الطلب (Demand feature)

    يحتوي الكشف الختامي على بيان نصه "يتضمن قرضك على ميزة الطلب"، والتي يتم تحديدها "نعم" أو "لا". تسمح ميزة الطلب للمقرض بطلب السداد المبكر للقرض.
    اقرأ المزيد (باللغة الإنكليزية)


    الدفعة الأولى (Down payment)

    الدفعة الأولى هي المبلغ الذي تدفعه مقابل المنزل مقدمًا. يمكنك خفض نسبة مئوية من قيمة المنزل وتقترض الباقي من خلال قرض الرهن العقاري الخاص بك. بشكل عام، كلما زادت الدفعة الأولى، انخفض معدل الفائدة الذي ستحصل عليه وزادت احتمالية الموافقة على القرض.

    تعرف على المزيد حول تحديد الدفعة الأولى.



    برامج الدفعة الأولى أو المنح (Down payment programs or grants)

    عادةً ما تشير منحة أو برنامج الدفعة الأولى إلى المساعدة التي تقدمها منظمة مثل الحكومة أو وكالة غير ربحية، إلى مشتري منزل لمساعدتهم في الدفعة الأولى لشراء منزل. قد يتم تقديم الأموال كمنحة صريحة أو قد تتطلب السداد، كما هو الحال عند بيع المنزل.

    فهم أين يمكنك الحصول على معلومات عن برامج الدفعة الأولى والمنح.



    العربون (Earnest money)

    العربون عبارة عن وديعة يدفعها المشتري لإظهار حسن النية على اتفاقية عقد موقعة لشراء منزل. يُحتفظ بالوديعة من قبل بائع أو طرف ثالث مثل وكيل عقارات أو شركة ملكية. إذا تم الانتهاء من بيع المنزل أو "إغلاقه"، فقد يُستخدم العربون في تكاليف الإغلاق أو الدفعة الأولى. إذا فسخ العقد لسبب جائز، يُعاد العربون إلى المشتري. إذا لم يعمل المشتري بحسن نية، فقد يتم مصادرة العربون ودفعها للبائع.

    تعرف على المزيد حول عملية شراء المنزل.



    حصة الملكية (Equity)

    حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك.

    تعرف على ما هو قرض ملكية المنزل.



    الضمان (Escrow)

    يتم إنشاء حساب ضمان بواسطة مُقرض الرهن العقاري لدفع بعض النفقات المتعلقة بالعقار، مثل ضرائب العقار والتأمين على المنزل. يذهب جزء من دفعتك الشهرية إلى الحساب. إذا لم يكن الرهن العقاري الخاص بك يحتوي على حساب ضمان، فعليك دفع المصاريف المتعلقة بالعقار مباشرة.

    اكتشف المزيد حول كيفية تأثير الضمان على مدفوعات الرهن العقاري الشهرية. 



    الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae)

    تشتري الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) القروض العقارية وتضمنها من مؤسسات الإقراض في محاولة لزيادة الإقراض ميسور التكلفة. الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) ليست وكالة فيدرالية. إنها مؤسسة ترعاها الحكومة تحت وصاية الوكالة الفيدرالية لتمويل الإسكان (FHFA).

    تعرف على المزيد حول القروض التقليدية.



    رسوم تمويل قروض إدارة الإسكان الفيدرالية (FHA) (FHA funding fee)

    تتطلب إدارة الإسكان الفيدرالية (FHA) رسوم تمويل قروض إدارة الإسكان الفدرالية وقسط تأمين شهري (MIP) لمعظم برامج الأسرة الواحدة. يُطلق على قسط تأمين الرهن العقاري مقدمًا أحيانًا اسم قسط تأمين الرهن العقاري مقدمًا (UFMIP).

    معرفة ما إذا كان الرهن العقاري لإدارة الإسكان الفيدرالية هو المناسب لك.



    قروض إدارة الإسكان الفيدرالية (FHA) (FHA loan)

    قروض إدارة الإسكان الفيدرالية(FHA) هي قروض من جهات إقراض خاصة تخضع للتنظيم والتأمين من قبل إدارة الإسكان الفيدرالية (FHA). تختلف قروض إدارة الإسكان الفدرالية عن القروض التقليدية لأنها تسمح بنقاط أهلية ائتمانية أقل ودفعات أولى منخفضة تصل إلى 3.5 في المائة من إجمالي مبلغ القرض. تختلف مبالغ القرض القصوى حسب المقاطعة.

    تعرف على هذا الخيار وغيره من خيارات قروض الرهن العقاري.



    حدود الرهن العقاري لقروض إدارة الإسكان الفدرالية (FHA) (FHA mortgage limits)

    حدود الرهن العقاري لقروض إدارة الإسكان الفدرالية هي حدود المبلغ بالدولار للرهون العقارية المؤهلة التي ستؤمنها قروض إدارة الإسكان الفيدرالية كجزء من برنامج الرهن العقاري للأسرة الواحدة. تستند هذه الحدود إلى الموقع ويمكن مراجعتها كل عام.

    استخدم أداة إدارة الإسكان الفيدرالية (FHA) للبحث عن حدود القرض على مستوى المقاطعة.



    رسوم التمويل (Finance charge)

    رسوم التمويل هي المبلغ الإجمالي للفائدة ورسوم القرض التي ستدفعها طوال مدة قرض الرهن العقاري.
    اقرأ المزيد (باللغة الإنكليزية)


    برامج قروض مشتري المنازل لأول مرة (FTHB) (First-time home buyers (FTHB) loan programs)

    قد يستخدم مشترو المنازل لأول مرة (FTHB) عددًا من أنواع مختلفة من برامج القروض لشراء منزلهم الأول. تشمل قروض مشتري المنازل لأول مرة (FTHB) الشهيرة البرامج التي تقدمها إدارة الإسكان الفدرالية (FHA) و إدارة شؤون المحاربين القدامى (VA) وإدارة الزراعة الأمريكيةUSDA) ) والرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) والمؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) بدفعات مقدمة منخفضة. تحدد بعض البرامج مشتري المنازل لأول مرة (FTHB) على أنه شخص لم يشتر منزلًا منذ ثلاث سنوات أو أكثر.

    فهم خيارات القرض الخاص بك.



    الرهن العقاري بسعر ثابت (Fixed-rate mortgage)

    الرهن العقاري بسعر ثابت هو نوع من أنواع القروض العقارية التي يتم تحديد معدل الفائدة عليها عند الحصول على القرض ولن يتغير خلال مدة القرض.

    تعرف على المزيد حول كيفية عمل الرهون العقارية ذات السعر الثابت وما يجب مراعاته. 



    الإمهال (Forbearance)

    الإمهال هو عندما يسمح لك مقدم الخدمة الخاص بك مؤقتًا بدفع الرهن العقاري الخاص بك بمعدل أقل أو التوقف مؤقتًا عن سداد الرهن العقاري الخاص بك. قد يمنحك مقدم الخدمة الإمهال، على سبيل المثال، إذا فقدت وظيفتك مؤخرًا، أو تعرضت لكارثة، أو من مرض أو إصابة أدت إلى زيادة تكاليف الرعاية الصحية الخاصة بك. الإمهال هو أحد أنواعتخفيف الخسارة.

    تعرف على المزيد حول الإمهال في الرهن العقاري

    اعتمادًا على نوع القرض الذي لديك، قد تكون هناك خيارات مختلفة عن الإمهال. يجب عليك الاتصال بخدمة القرض لطلب الإمهال. تذكر أنه سيتعين عليك تعويض هذه المدفوعات الفائتة أو المخفضة عندما تنتهي فترة الإمهال الخاصة بك.



    التأمين الجبري (Force-placed insurance)

    قد يطلب مقدم الخدمة تأمينًا إجباريًا عندما لا يكون لديك بوليصة تأمين خاصة بك أو إذا كانت وثيقتك الخاصة لا تفي بمتطلبات مقدم الخدمة الخاص بك. عادةً ما يحمي التأمين الجبري المُقرض فقط وليس أنت. سيحاسبك مقدم الخدمة على التأمين. عادةً ما يكون التأمين الجبري أكثر تكلفة من العثور على بوليصة تأمين بنفسك.



    الحجز على الرهن العقاري (Foreclosure)

    الحجز على الرهن العقاري هو عندما يستعيد المقرض أو مقدم الخدمة العقار بعد فشل صاحب المنزل في سداد مدفوعات الرهن العقاري. في بعض الولايات، يتعين على المُقرض أن يلجأ إلى المحكمة للحجز على الرهن العقاري على عقارك (الحجز على الرهن العقاري القضائي)، لكن الولايات الأخرى لا تتطلب إجراءات قضائية (الحجز على الرهن العقاري غير القضائي). بشكل عام، يجب إخطار المقترضين إذا بدأ المقرض أو مقدم الخدمة إجراءات الحجز على الرهن العقاري. قد تنطبق القواعد الفيدرالية عندما يبدأ الحجز على الرهن العقاري.

    إذا كنت قلقًا بشأن الحجز على الرهن العقاري،فتعرف على كيفية الحصول على المساعدة.


    المؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac)

    المؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) هي شركة خاصة أسسها الكونجرس. وتتمثل مهمتها في تعزيز الاستقرار والقدرة على تحمل التكاليف في سوق الإسكان من خلال شراء الرهون العقارية من البنوك وغيرها من صانعي القروض. تخضع الشركة حاليًا للوصاية، تحت إشراف الوكالة الفيدرالية لتمويل الإسكان (FHFA).

    تعرف على المزيد حول القروض التقليدية



    تقدير حسن النية (Good Faith Estimate)

    تقدير حسن النية (GFE) هو شكل يجب على المُقرض منحك إياه عند التقدم بطلب للحصول على رهن عقاري عكسي. يسرد تقدير حسن النية (GFE) المعلومات الأساسية حول شروط عرض قرض الرهن العقاري العكسي.

    اكتشف متى تتلقى تقدير حسن النية. 



    رسوم التسجيل الحكومية (Government recording charges)

    رسوم التسجيل الحكومية هي رسوم يتم تقييمها من قبل الوكالات الحكومية بالولاية والمحلية للتسجيل القانوني لسندك العقاري ورهنك العقاري والمستندات المتعلقة بقرض منزلك.

    اقرأ المزيد (باللغة الإنكليزية)

    قرض عقاري عالي السعر (Higher-priced mortgage loan)

    بشكل عام، يعتبر قرض الرهن العقاري عالي السعر قرضًا بمعدل نسبة مئوية سنوي، أو معدل الفائدة السنوية المئوية (APR)، أعلى من معدل معياري يسمى متوسط سعر العرض الرئيسي.

    اقرأ المزيد (باللغة الإنكليزية)

    مستحقات جمعية مالكي العقارات (HOA) (HOA dues)

    إذا كنت مهتمًا بشراء شقة أو مساكن تعاونية أو منزل في تقسيم فرعي مخطط له أو مجتمع منظم آخر مع خدمات مشتركة، فعادةً ما يتعين عليك دفع رسوم الشقة أو مستحقات جمعية مالكي العقارات (HOA). تختلف هذه الرسوم بشكل كبير. عادةً ما يتم دفع رسوم الشقة أو جمعية مالكي العقارات (HOA) بشكل منفصل عن مدفوعات الرهن العقاري الشهرية. إذا لم تدفع هذه الرسوم، فقد تواجه جهود تحصيل الديون من قبل جمعية مالكي العقارات وحتى الحجز على الرهن العقاري.

    تعرف على المزيد حول عملية شراء المنزل.



    تقييم المنزل (Home appraisal)

    التقييم هو مستند مكتوب يظهر رأيًا في قيمة العقار. يمنحك التقييم معلومات مفيدة حول العقار. يصف ما يجعله ذا قيمة وقد يُظهر كيفية مقارنته بالعقارات الأخرى في الحي. التقييم هو تقدير مستقل لقيمة العقار.

    تعرف على المزيد حول سبب أهمية التقييمات. 



    خط ائتمان حقوق الملكية العقارية (HELOC) (Home equity line of credit - HELOC)

    خط ائتمان حقوق الملكية العقارية (HELOC) هو خط ائتمان يسمح لك بالاقتراض مقابل ملكية منزلك. حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك. على عكس قرض حصة الملكية، عادةً ما يكون لدى خط ائتمان حقوق الملكية العقارية معدلات فائدة قابلة للتعديل. بالنسبة لمعظم خطوط ائتمان حقوق الملكية العقارية، ستتلقى شيكات خاصة أو بطاقة ائتمان، ويمكنك اقتراض المال لفترة محددة من وقت فتح حسابك. تُعرف هذه الفترة الزمنية باسم "فترة السحب". خلال "فترة السحب"، يمكنك اقتراض الأموال، ويجب عليك سداد الحد الأدنى من المدفوعات. عندما تنتهي "فترة السحب"، لن تتمكن من اقتراض الأموال من حد الائتمان الخاص بك. بعد انتهاء "فترة السحب"، قد يُطلب منك سداد رصيدك دفعة واحدة أو قد يُسمح لك بالسداد خلال فترة زمنية معينة. إذا كنت لا تستطيع سداد خط ائتمان حقوق الملكية العقارية، يمكن للمقرض نزع ملكية منزلك.



    قرض ملكية المنزل (Home equity loan)

    يسمح لك قرض ملكية المنزل (يسمى أحيانًا HEL) باقتراض الأموال باستخدام حقوق الملكية في منزلك كضمان سداد. حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك. تتلقى المال من قرض شراء منزل كمبلغ مقطوع. عادة ما يكون لقرض الملكية العقارية معدل فائدة ثابت - وهو سعر لا يتغير. إذا لم تتمكن من تسديد قرض ملكية المنزل، يمكن للمقرض نزع ملكية منزلك.



    فحص المنزل (Home inspection)

    غالبًا ما يكون فحص المنزل جزءًا من عملية شراء المنزل. عادةً ما يكون لديك الحق في تعيين مفتش منزل لفحص العقار والإشارة إلى نقاط القوة والضعف فيه. غالبًا ما يكون هذا مفيدًا بشكل خاص لاختبار الأنظمة الهيكلية والميكانيكية للمنزل بما في ذلك التدفئة والتهوية وتكييف الهواء والكهرباء.

    تعرف على كيفية تحديد موعد الفحص



    جمعية مالكي العقارات (HOA) (Homeowners’ Association - HOA)

    عادة ما يتم تشكيل جمعية مالكي العقارات (HOA) لإدارة النفقات المشتركة مثل تنسيق الحدائق وتكاليف الصيانة الأخرى للتقسيم الفرعي المخطط له أو مجتمع منظم آخر. تأخذ جمعيات مالكي وحدات المنازل السكنية المزيد من المسؤوليات بما في ذلك، على سبيل المثال، صيانة الممرات والمبان المشتركة والأسقف.

    احصل على مزيد من المعلومات حول كيفية ظهور جمعيات مالكي العقارات في بيان الرهن العقاري الخاص بك. 



    تأمين أصحاب المنازل (Homeowner's insurance)

    يدفع تأمين أصحاب المنزل الخسائر والأضرار التي تلحق بممتلكاتك في حالة حدوث شيء غير متوقع، مثل الحريق أو السطو. عندما يكون لديك رهن عقاري، يريد المُقرض الخاص بك التأكد من حماية عقارك عن طريق التأمين. لهذا السبب يطلب المقرضون عمومًا دليلًا على أن لديك تأمين أصحاب المنازل. يختلف تأمين مالك المنزل عن تأمين الرهن العقاري.

    تعرف على المزيد حول عملية شراء المنزل. 



    سعر شراء المنزل (Home purchase price)

    سعر شراء المنزل هو المبلغ المتفق عليه من قبل المشتري والبائع لدفعه للبائع لشراء المنزل.

    تعرف على المزيد حول العثور على المنزل المناسب.



    إدارة الإسكان والتنمية الحضرية (HUD)

    إدارة الإسكان والتنمية الحضرية (HUD) هي وكالة حكومية تساعد الناس في الحصول على مساكن جيدة وبأسعار معقولة والحفاظ عليها. يقومون بتدريب ورعاية مستشاري الإسكان في جميع أنحاء البلاد. يمكن لوكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية أن تقدم لك مشورة مشتري المنازل لمساعدتك على فهم خياراتك وتقييمها.

    ابحث عن وكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية.



    بيان تسوية HUD-1 (HUD-1 settlement statement)

    يسرد بيان تسوية HUD-1 جميع الرسوم والائتمانات للمشتري والبائع في تسوية عقارية، أو جميع الرسوم في إعادة تمويل الرهن العقاري. تتلقى HUD-1 إذا تقدمت بطلب للحصول على رهن عقاري عكسي أو إذا تقدمت بطلب للحصول على رهن عقاري في 3 أكتوبر/تشرين الأول 2015 أو قبله.

    تعرف على موعد تلقي HUD-1. 



    المؤشر (Index)

    المؤشر هو سعر فائدة معياري يعكس ظروف السوق العامة. يتغير المؤشر بناءً على السوق. تحدد التغييرات في المؤشر، بجانب هامش القرض، التغييرات في معدل الفائدة لقرض رهن عقاري قابل للتعديل.

    فهم كيف يؤثر المؤشر في سعر الفائدة لقرض رهن عقاري قابل للتعديل. 



    الحد الأقصى للتعديل الأولي (Initial adjustment cap)

    عادةً ما يرتبط الحد الأقصى للتعديل الأولي بقروض الرهن العقاري القابلة للتعديل (ARMs). يحدد هذا الحد الأقصى مقدار زيادة معدل الفائدة في المرة الأولى التي يتم تعديلها بعد انتهاء فترة السعر الثابت. من الشائع أن يكون هذا الحد الأقصى إما اثنين أو خمسة بالمائة - مما يعني أنه عند تغيير السعر الأول، لا يمكن أن يكون المعدل الجديد أعلى من نقطتين (أو خمس) نقاط مئوية عن المعدل الأولي خلال فترة السعر الثابت.

    فهم كيفية تأثير المؤشر في قروض الرهن العقاري ذات المعدل القابل للتعديل. 



    إيداع الضمان الأولي (Initial escrow deposit)

    إيداع الضمان الأولي هو المبلغ الذي ستدفعه عند الإغلاق لبدء حساب الضمان الخاص بك، إذا طلب المقرض الخاص بك.
    اقرأ المزيد (باللغة الإنكليزية)


    قرض بفائدة فقط (Interest-only loan)

    الرهن العقاري بفائدة فقط هو قرض بدفعات مجدولة تتطلب منك دفع الفائدة فقط لفترة زمنية محددة.

    اقرأ المزيد (باللغة الإنكليزية)


    معدل الفائدة (Interest rate)

    معدل الفائدة على قرض الرهن العقاري هو التكلفة التي ستدفعها كل عام لاقتراض المال، معبرًا عنها بنسبة مئوية. لا يعكس الرسوم أو أي رسوم أخرى قد تضطر إلى دفعها مقابل القرض. على سبيل المثال، إذا كان قرض الرهن العقاري يبلغ 100,000 دولار بمعدل فائدة 4 في المائة، فقد وافق هذا المستهلك على دفع 4,000 دولار كل عام يقترض أو يدين بهذا المبلغ بالكامل.

    اكتشف أسعار الفائدة في منطقتك 



    الحد الأقصى لسعر الفائدة (Interest rate cap)

    الحد الأقصى لسعر الفائدة، الذي يشار إليه أحيانًا بالحد الأقصى السنوي، هو الحد الأقصى للزيادة في معدل الفائدة التي يمكن أن تحدث سنويًا لسعر الرهن العقاري القابل للتعديل (ARM) حتى لو كان السعر قد ارتفع أكثر في ظل أسعار الفائدة في السوق. على سبيل المثال، إذا كان هذا الحد الأقصى بنسبة اثنين في المائة، فلا يمكن أن يكون المعدل الجديد أعلى من المعدل السابق بأكثر من نقطتين مئويتين.

    فهم كيف يستخدم المقرضون المؤشر والهامش لتعديل سعر الفائدة الخاص بك



    القرض الجامبو (Jumbo loan)

    في كل عام، تحدد الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) و والمؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) والجهة المنظمة لها، وكالة تمويل الإسكان الفيدرالية ((FHFA، الحد الأقصى لمبلغ القروض التي سيشترونها من المقرضين.
    اقرأ المزيد (باللغة الإنكليزية)


    تأمين ملكية المقرضين (Lenders title insurance)

    يحمي تأمين ملكية المقرضين المُقرض من المشاكل المتعلقة بملكية عقارك - مثل شخص لديه دعوى قانونية ضد المنزل. يحمي تأمين ملكية المقرضين المُقرض فقط من مشاكل متعلقة بسند الملكية. لحماية نفسك، قد ترغب في شراء تأمين ملكية المالك.
    اقرأ المزيد (باللغة الإنكليزية)


    الحد الأقصى للتعديل مدى الحياة (Lifetime adjustment cap)

    عادةً ما يرتبط الحد الأقصى للتعديل مدى الحياة بقروض الرهن العقاري القابلة للتعديل (ARMs). يحدد الحد الأقصى إلى أي مدى يمكن أن يزيد معدل الفائدة بشكل إجمالي على مدى فترة القرض. على سبيل المثال، إذا كان هذا الحد الأقصى هو خمسة بالمائة، فهذا يعني أن المعدل لا يمكن أبدًا أن يكون أعلى بخمس نقاط مئوية من المعدل الأولي. قد يكون لبعض المقرضين حد أقصى مختلف أو أعلى.

    فهم كيفية تأثير المؤشر في قروض الرهن العقاري ذات المعدل القابل للتعديل.



    تحمل مسؤولية القرض (Loan assumption)

    يحدث تحمل مسؤولية القرض عندما يتسلم المشتري الرهن العقاري من البائع عند شراء منزل البائع. ويتولى المشتري مسؤولية الرصيد المتبقي المستحق على الرهن العقاري الخاص بالبائع، وفقًا لشروط القرض الأصلية - على سبيل المثال، سعر الفائدة والمدة المتبقية للرهن العقاري. وقد يكون تحمل مسؤولية القرض منطقيًا من الناحية المالية عندما تُعرض رهون عقارية جديدة بأسعار فائدة أعلى مما كانت عليه عندما حصل البائع على رهنه العقاري في الأصل.

    الفرق بين سعر بيع المنزل والرصيد المتبقي على القرض المتحمّل يساوي المبلغ الذي يتعين على المشتري دفعه، إما من جيبه أو عن طريق الحصول على قرض رهن عقاري خاص به.

    لكي يتولى مشتري المنزل الرهن العقاري سيحتاج إلى التأهل لتحمل مسؤولية القرض. عادةً ما يعتمد التأهل على مراجعة ائتمان المشتري ودخله، على غرار التأهل للحصول على رهن عقاري جديد

    يمكن أن يسري تحمل مسؤولية القرض أيضًا عندما تحصل على سند ملكية لعقار مرهون - على سبيل المثال، بعد الوفاة أو الطلاق.



    تأجيل القرض (Loan deferment)

    يحق للمقترضين الذين يكافحون من أجل سداد مدفوعات الرهن العقاري عمومًا أن يطلبوا المساعدة من محصّل أقساط الرهن العقاري. يمكن لمحصّل الأقساط الموافقة على تأجيل القرض، مما يسمح للمقترض بتجنب الحجز على الرهن العقاري عن طريق تأجيل مدفوعات الرهن العقاري المتأخرة. ويصبح المبلغ المؤجل مستحق الدفع عندما يقوم المقترض بإعادة تمويل القرض أو بيع المنزل، أو ينتهي الرهن العقاري بطريقة أخرى


    تقدير القرض (Loan estimate)

    تقدير القرض هو نموذج من ثلاث صفحات تحصل عليه بعد التقدم بطلب للحصول على قرض عقاري.
    اقرأ المزيد (باللغة الإنكليزية)


    تعديل القرض (Loan modification)

    تعديل قرض الرهن العقاري هو تغيير في شروط القرض الخاص بك. التعديل هو نوع منتخفيف الخسارة.يمكن أن يقلل التعديل من دفعتك الشهرية إلى مبلغ يمكنك تحمله. قد تتضمن التعديلات تمديد عدد السنوات التي يتعين عليك سداد القرض فيها، و / أو خفض معدل الفائدة ، و / أو تحمل أو خفض رصيدك الأساسي. إذا عُرض عليك تعديل قرض، فتأكد من معرفة كيف سيغير ذلك مدفوعاتك الشهرية والمبلغ الإجمالي الذي ستدين به على المدى القصير والطويل.

    تعرف على المزيد حول تعديل قرض الرهن العقاري



    نسبة القرض إلى القيمة (Loan-to-value ratio)

    نسبة القرض إلى القيمة (LTV) هي مقياس لمقارنة مبلغ الرهن العقاري الخاص بك مع القيمة المقدرة للعقار. كلما زادت الدفعة الأولى، انخفضت نسبة القرض إلى القيمة (LTV). يجوز لمقرضي الرهن العقاري استخدام نسبة القرض إلى القيمة (LTV) في تقرير ما إذا كانوا سيقرضونك وتحديد ما إذا كانوا سيطلبون تأمينًا خاصًا على الرهن العقاري.

    تعرف على كيفية ارتباط نسبة القرض إلى القيمة بتكاليفك. 


    يشير تخفيف الخسارة إلى الخطوات التي يتخذها مقدمو خدمات الرهن العقاري للعمل مع مقترض الرهن العقاري لتجنب الحجز على الرهن العقاري. يشير تخفيف الخسارة إلى مسؤولية مقدم الخدمة لتقليل أو "تخفيف" الخسارة التي يتحملها المستثمر والتي يمكن أن تأتي من الحجز على الرهن العقاري. قد تساعدك خيارات معينة لتخفيف الخسارة على البقاء في منزلك. قد تساعدك الخيارات الأخرى على مغادرة منزلك دون المرور بالحجز على الرهن العقاري. قد تشمل خيارات تخفيف الخسارة سند الملكية بدل الحجز على الرهن العقاري, أو الإمھال, أو خطة السداد, أو البيع على المكشوف, أوتعديل القرض. 

    إذا كنت تواجه مشكلة في سداد مدفوعات الرهن العقاري الخاصة بك، أو إذا تم عرض عليك وتفكر في العديد من خيارات التخفيف من الخسائر، فتواصل مع وكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية (HUD).

    يمكنك استخدام أداة "Find a counselor" (ابحث عن مستشار) مكتب الحماية المالية للمستهلكين (CFPB) للحصول على قائمة وكالات الاستشارة الإسكانية في منطقتك والتي تمت الموافقة عليها من قبل HUD. يمكنك أيضًا الاتصال بالخط الساخن HOPE™، وهو مفتوح 24 ساعة في اليوم، سبعة أيام في الأسبوع، على الرقم888) 995-HOPE (4673) ).


    الهامش (Margin)

    الهامش هو عدد النقاط المئوية المضافة إلى المؤشر بواسطة مُقرض الرهن العقاري لتعيين سعر الفائدة الخاص بك على الرهن العقاري ذي المعدل القابل للتعديل (ARM) بعد انتهاء فترة السعر الأولي. تم تحديد الهامش في اتفاقية القرض الخاص بك ولن يتغير بعد الإغلاق. يعتمد مبلغ الهامش على المقرض والقرض المعينين.

    فهم كيفية تأثير الهامش في قروض الرهن العقاري ذات المعدل القابل للتعديل.



    المصاريف الشهرية (Monthly expenses)

    هذا هو مقدار ما تنفقه كل شهر. يمكن أن تشمل، على سبيل المثال لا الحصر، الالتزامات المتكررة مثل دفع الإيجار أو الرهن العقاري، والمرافق، ومدفوعات السيارات، ومدفوعات إعالة الأطفال، ومدفوعات التأمين، بالإضافة إلى الضروريات مثل الطعام. سيكون لمعظم هذه الالتزامات تاريخ استحقاق ثابت.

    قم بتقييم إنفاقك الشهري باستخدام متتبع الإنفاق هذا. 



    الرهن العقاري (Mortgage)

    الرهن العقاري هو اتفاق بينك وبين المقرض الذي يسمح لك باقتراض المال لشراء أو إعادة تمويل منزل ويمنح المقرض الحق في أخذ عقارك إذا فشلت في سداد الأموال التي اقترضتها.

    إذا كنت مستعدًا للحصول على قرض عقاري, فتعرف على المزيد حول شراء منزل. 



    قائمة مراجعة إغلاق الرهن العقاري (Mortgage closing checklist)

    قائمة التحقق من إغلاق الرهن العقاري هي قائمة بالخطوات التي يمكنك استخدامها للتحضير ومعرفة ما يمكن توقعه. يمكن أن يساعدك في تحديد الأسئلة الرئيسية التي يجب طرحها مسبقًا حتى تتمكن من إغلاقها بثقة.

    استخدم ورقة العمل هذه للتحضير للإغلاق.



    تكاليف إغلاق الرهن العقاري (Mortgage closing costs)

    تكاليف إغلاق الرهن العقاري هي جميع التكاليف التي ستدفعها عند الإغلاق. يتضمن ذلك رسوم الإنشاء ورسوم التقييم وتكاليف تقرير الائتمان ورسوم التأمين على الملكية وأي رسوم أخرى يطلبها المُقرض أو تدفع كجزء من معاملة الرهن العقاري. يُطلب من المقرضين تقديم ملخص لهذه التكاليف إليك في تقدير القرض.

    تعرف على المزيد حول ما يحدث في الإغلاق.


    يحمي تأمين الرهن العقاري المُقرض إذا تخلفت عن سداد مدفوعاتك. عادةً ما يكون التأمين على الرهن العقاري مطلوبًا إذا كانت الدفعة الأولى أقل من 20 في المائة من قيمة العقار. عادة ما يكون التأمين على الرهن العقاري مطلوبًا على قروض إدارة الإسكان الفيدرالية وإدارة الزراعة الأمريكية. ومع ذلك، إذا كان لديك قرض تقليدي وكانت الدفعة الأولى أقل من 20 في المائة، فمن المرجح أن يكون لديك تأمين خاص على الرهن العقاري (PMI).

    فهم كيف يعمل تأمين الرهن العقاري



    تعديل قرض الرهن العقاري (Mortgage loan modification)

    تعديل قرض الرهن العقاري هو تغيير في شروط القرض الخاص بك. التعديل هو أحد أنواع تخفيف الخسارة.  
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    إعادة تمويل الرهن العقاري (Mortgage refinance)

    يتم إعادة تمويل الرهن العقاري عندما تحصل على قرض جديد لسداد القرض القديم واستبداله. الأسباب الشائعة لإعادة التمويل هي خفض معدل الفائدة الشهري، أو خفض مدفوعات الرهن العقاري، أو اقتراض أموال إضافية. عند إعادة التمويل، يتعين عليك عادةً دفع تكاليف ورسوم الإغلاق. إذا قمت بإعادة التمويل وحصلت على دفعة شهرية أقل، فتأكد من فهم مقدار التخفيض الناتج عن معدل فائدة منخفض ومقدار ذلك لأن مدة القرض أطول.

    هل يجب عليّ إعادة التمويل؟

    دليل المستهلك لإعادة تمويل الرهن العقاري

    مجموعة أدوات قرض المنزل الخاص بك

    كتيب المستهلك عن الرهون العقارية القابلة للتعديل



    مدة الرهن العقاري (Mortgage term)

    مدة قرض الرهن العقاري هي المدة التي يتعين عليك سداد القرض خلالها. بالنسبة لمعظم أنواع المنازل، تكون شروط الرهن العقاري عادةً 15 أو 20 أو 30 عامًا.

    اكتشف خيارات مدة القرض.



    رسوم الإنشاء (Origination Fee)

    رسوم الإنشاء هي ما يفرضه المُقرض على المقترض مقابل تقديم قرض الرهن العقاري. قد تشمل رسوم الإنشاء معالجة الطلب والاكتتاب وتمويل القرض والخدمات الإدارية الأخرى. لا يمكن زيادة رسوم الإنشاء بشكل عام إلا في ظل ظروف معينة.

    تعرف على المزيد حول تكاليف إنشاء الرهن العقاري. 



    تأمين ملكية المالك (Owner's title insurance)

    يوفر تأمين ملكية المالك الحماية لصاحب المنزل إذا قام شخص ما برفع دعوى وقال إن لديه مطالبة ضد المنزل من قبل أن يشتريه صاحب المنزل.
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    تمويل الطاقة النظيفة المقدرة على العقارات (PACE) (Pace financing)

    يوفر تمويل الطاقة النظيفة المقدرة على العقارات (PACE) طريقة لتمويل تحسينات المنازل ذات الكفاءة في استخدام الطاقة.
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    المطالبة الجزئية (Partial claim)

    المطالبة الجزئية هي طريقة لاستخدام تأمين الرهن العقاري لمساعدة صاحب المنزل المتعثر على تجنب الحجز على الرهن العقاري. يقوم صاحب الرهن العقاري بتقديم مطالبة ضد تأمين الرهن العقاري بمبلغ أي مدفوعات رهن عقاري لم يتم تسديدها، ويضع المؤمِّن الأموال جانبًا في حساب منفصل. بعد ذلك، عندما يقوم المقترض بإعادة تمويل الرهن العقاري، أو بيع المنزل، أو إنهاء الرهن بطريقة أخرى، يتم دفع مبلغ المطالبة الجزئية لمحصّل أقساط الرهن العقاري. في بعض الأحيان، لا يغطي مبلغ المطالبة الجزئية المبلغ الكامل للمدفوعات الفائتة، وفي تلك الحالات يجب على المقترض دفع الفرق.


    مبلغ التسديد (Payoff amount)

    مبلغ التسديد الخاص بك هو المبلغ الذي سيتعين عليك دفعه بالفعل للوفاء بشروط قرض الرهن العقاري الخاص بك وسداد ديونك بالكامل. مبلغ التسديد الخاص بك يختلف عن رصيدك الحالي. قد لا يعكس رصيدك الحالي المبلغ الذي يتعين عليك دفعه بالفعل للوفاء الكامل بالقرض. يتضمن مبلغ التسديد أيضًا دفع أي فائدة تدين بها حتى اليوم الذي تنوي فيه سداد قرضك. قد يشمل مبلغ التسديد أيضًا رسومًا أخرى تكبدتها ولم تدفعها بعد.



    أوامر تغيير دائم للمركز (PCS) (PCS orders)

    يجوز إعطاء أعضاء الخدمة الفعلية أوامر تغيير دائم للمركز (PCS). أوامر تغيير دائم للمركز (PCS) هي نقل رسمي لعضو الخدمة (وأي عائلة تعيش معهم) إلى موقع عمل مختلف. إذا كان العضو يمتلك منزلاً، فقد يختار بيعه. إذا كان عضو الخدمة مدينًا بالمنزل أكثر مما يستحق المنزل، فقد يواجهون مشكلة في بيع منزلهم. يقدم بعض مقدمي الخدمة برامج للسماح لأعضاء الخدمة ببيع منازلهم وعدم الاضطرار إلى سداد باقي رصيد القرض. تفضل بزيارة أعضاء مقدمي الخدمة لمزيد من المعلومات. 



    المبلغ الأساسي، والفائدة ، والضرائب ، والتأمين (PITI)

    المبلغ الأساسي، والفائدة ، والضرائب ، والتأمين ، والمعروفة باسم PITI، هي العناصر الأساسية الأربعة لسداد الرهن العقاري الشهري.  
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    تأمين الرهن العقاري الخاص (PMI)

    تأمين الرهن العقاري الخاص (PMI) هو نوع من تأمين الرهن العقاري يعود بالفائدة على المُقرض الخاص بك. قد يُطلب منك الدفع مقابل تأمين الرهن العقاري الخاص (PMI) إذا كانت الدفعة الأولى أقل من 20 في المائة من قيمة العقار وكان لديك قرض تقليدي. قد تتمكن من إلغاء تأمين الرهن العقاري الخاص (PMI) بمجرد تراكم مبلغ معين من حصة الملكية في منزلك.

    فهم المزيد عندما يكون تأمين الرهن العقاري الخاص (PMI) مطلوبًا



    رسوم الفائدة المدفوعة مقدمًا (Prepaid interest charges)

    رسوم الفائدة المدفوعة مقدمًا هي الرسوم المستحقة عند الإغلاق لأي فائدة يومية مستحقة على قرضك بين تاريخ إغلاق قرض الرهن العقاري الخاص بك والفترة التي يغطيها أول دفعة شهرية للرهن العقاري.
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    غرامة الدفع المسبق (Prepayment penalty)

    غرامة الدفع المسبق هي رسوم يفرضها بعض المقرضين إذا سددت كل رهنك العقاري مبكرًا أو جزء منه. إذا كان لديك غرامة الدفع المسبق، كنت قد وافقت على هذا عندما أغلقت في منزلك. ليس كل الرهون العقارية لها غرامة الدفع المسبق.



    المبلغ الأساسي (Principal)

    المبلغ الأساسي هو مبلغ قرض الرهن العقاري الذي يتعين عليك سداده. تتضمن دفعتك الشهرية جزءًا من هذا المبلغ الأساسي. عندما يتم السداد على المبلغ الأساسي، يكون المقترض مدينًا أقل، وسيدفع فائدة أقل بناءً على حجم القرض الأقل.

    فهم الفرق بين سعر الفائدة والمبلغ الأساسي.



    الضرائب العقارية (Property taxes)

    الضرائب العقارية هي ضرائب تفرضها السلطات القضائية المحلية، عادةً على مستوى المقاطعة، بناءً على قيمة العقارات الخاضعة للضريبة. في كثير من الأحيان، يتم تحصيل ضرائب العقارات ضمن مدفوعات الرهن العقاري الشهرية لمالك المنزل، ثم يتم دفعها إلى الولاية القضائية ذات الصلة مرة واحدة أو أكثر كل عام. هذا يسمى حساب الضمان. إذا لم يكن للقرض حساب ضمان، فسيقوم صاحب المنزل بدفع ضرائب العقار مباشرة.

    تعرف على المزيد حول عملية شراء المنزل.


    الرهن العقاري المؤهل (Qualified mortgage)

    الرهن العقاري المؤهل هو فئة من القروض التي لها ميزات معينة وأكثر استقرارًا تساعد في زيادة احتمالية قدرتك على تحمل القرض. اقرأ المزيد (باللغة الإنكليزية).



    طلب كتابي مؤهل ((QWR) Qualified Written Request)

    الطلب الكتابي المؤهل، أو QWR، هو مراسلات مكتوبة يمكن أن ترسلها أنت أو أي شخص يتصرف نيابة عنك إلى مقدم خدمات الرهن العقاري الخاص بك. بدلاً من الطلب الكتابي المؤهل، يمكنك أيضًا إرسال إشعار خطأ أو طلب معلومات إلى مقدم الخدمة.
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    خطة السداد (Repayment plan)

    خطة السداد هي طريقة منظمة لتعويض مدفوعات قروض الرهن العقاري الفائتة خلال فترة زمنية معينة. هذا نوع من أنواع تخفيف الخسارة. إذا كنت تواجه مشكلة في سداد أقساط الرهن العقاري، فقد يسمح لك المُقرض أو مقدم الخدمة بالدخول في خطة السداد. قبل الدخول في خطة السداد، تأكد من فهمك لمتطلبات الخطة وما إذا كنت ستتمكن من سداد المدفوعات الجديدة.



    الرهن العقاري العكسي (Reverse mortgage)

    يسمح الرهن العقاري العكسي لأصحاب المنازل الذين يبلغون من العمر 62 عامًا أو أكثر بالاقتراض مقابل ملكية منازلهم. يطلق عليه الرهن العقاري "العكسي" لأنه بدلاً من سداد المدفوعات للمقرض، فإنك تتلقى أموالاً من المُقرض. تزيد الأموال التي تتلقاها والفائدة المفروضة على القرض من رصيد القرض الخاص بك كل شهر. تسمى معظم الرهون العقارية العكسية اليوم HECMs، وهي اختصار لرهن تحويل ملكية المنازل.

    تعرف على ما يجب عليك مراعاته قبل التقدم بطلب للحصول على قرض عقاري عكسي.



    حق الفسخ (Right of rescission)

    يشير حق الفسخ إلى حق المستهلك في إلغاء أنواع معينة من القروض. إذا كنت تشتري منزلًا برهن عقاري، فلا يحق لك إلغاء القرض بمجرد توقيع مستندات الإغلاق. ومع ذلك، إذا كنت تقوم بإعادة تمويل رهن عقاري، فلديك حتى منتصف ليل يوم العمل الثالث بعد الصفقة لفسخ (إلغاء) عقد الرهن العقاري. لا تبدأ الساعة المكونة من ثلاثة أيام حتى توقع عقد الائتمان (يُطلق عليه عادةً السند الإذني)، وتتلقى نموذج إفصاح عن الحقيقة في الإقراض وتتلقى نسختين من إشعار يشرح حقك في الفسخ.



    الرهن العقاري الثاني (Second mortgage)

    الرهن العقاري الثاني أو الرهن الأصغر هو قرض تحصل عليه باستخدام منزلك كضمان بينما لا يزال لديك قرض آخر مضمون بمنزلك.

    تعلم المزيد عن الرهون العقارية الثانية.



    فائدة الضمان (Security interest)

    فائدة الضمان هي ما يسمح للمقرض بحجز الرهن إذا لم تسدد الأموال التي اقترضتها.
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    تمويل البائع (Seller financing)

    تمويل البائع هو قرض يقدمه لك بائع منزلك.
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    مقدم الخدمة (Servicer)

    مقدم خدمة الرهن العقاري الخاص بك هي الشركة التي ترسل لك كشوفات الرهن العقاري الخاصة بك. يتولى مقدم الخدمة أيضًا المهام اليومية لإدارة قرضك.

    يقوم مسؤول مقدم خدمة القرض الخاص بك بمعالجة مدفوعات القرض الخاصة بك، والاستجابة لاستفسارات المقترض، وتتبع المبلغ الأصلي والفائدة المدفوعة، وإدارة حساب الضمان الخاص بك (إذا كان لديك حساب). يجوز لصاحب القرض الشروع في الحجز على الرهن العقاري في ظل ظروف معينة. قد يكون مقدم الخدمة نفس الشركة التي منحتك القرض في الأصل وقد لا تكون كذلك.



    الرهن العقاري المشترك (Shared appreciation mortgage)

    بموجب الرهن العقاري المشترك، فإنك توافق على منح المقرض الخاص بك حصة من أي زيادة في قيمة منزلك.
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    البيع على المكشوف (Short sale)

    البيع على المكشوف هو بيع منزلك بأقل مما تدين به على رهنك العقاري. البيع على المكشوف هو بديل للحجز على الرهن العقاري، ولكن لأنه بيع، سيتعين عليك مغادرة منزلك. إذا وافق المقرض أو مقدم الخدمة الخاص بك على البيع على المكشوف، فقد تتمكن من بيع منزلك لسداد الرهن العقاري الخاص بك، حتى إذا كان سعر البيع أو العائدات أقل من الرصيد المتبقي على الرهن العقاري الخاص بك. البيع على المكشوف هو أحد أنواع تخفيف الخسارة. إذا كنت تعيش في ولاية تكون فيها مسؤولاً عن أي عجز، وهو الفرق بين قيمة العقار الخاص بك والمبلغ الذي لا تزال مدينًا به لقرض الرهن العقاري الخاص بك، فستحتاج إلى مطالبة المقرض الخاص بك بالتنازل عن العجز. إذا تنازل المُقرض عن العجز، احصل على التنازل كتابيًا واحتفظ به في سجلاتك.



    قرض عقاري عالي المخاطر (Subprime mortgage)

    عندما يستخدم المقرضون المصطلح، فإنهم يقصدون عمومًا برنامج قروض للمقترضين غير المؤهلين للحصول على قرض رئيسي، غالبًا بمعدل فائدة أعلى.

    تعرف على المزيد حول عملية شراء المنزل.



    المسح (Survey)

    المسح هو رسم لعقارك يوضح موقع الأرض والمنزل وأي بنايات أخرى، بالإضافة إلى أي تحسينات على العقار.
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    رسوم خدمة الملكية (Title service fees)

    رسوم خدمة الملكية هي جزء من تكاليف الإغلاق التي تدفعها عند الحصول على قرض عقاري. عندما تشتري منزلًا، تتلقى مستندًا غالبًا ما يسمى صك، والذي يُظهر أن البائع قد نقل ملكيته القانونية أو "سند ملكية" المنزل إليك. رسوم خدمة الملكية هي التكاليف المرتبطة بإصدار بوليصة تأمين ملكية للمقرض.
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    إجمالي نسبة الفائدة ((TIP) Total interest percentage)

    إجمالي نسبة الفائدة (TIP) عبارة عن بيان يخبرك بمقدار الفائدة التي ستدفعها طوال مدة قرض الرهن العقاري الخاص بك.
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    مجموع المدفوعات (Total of payments)

    يخبرك هذا الرقم بالمبلغ الإجمالي للمال الذي ستدفعه على مدار فترة الرهن العقاري.
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    TRID

    TRID "" هو اختصار يستخدمه بعض الأشخاص للإشارة إلى قاعدة الإفصاح المتكامل لـ .TILA RESPA
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    قرض إدارة الزراعة الأمريكية (USDA) (USDA Loan)

    تقدم خدمة الإسكان الريفي، وهي جزء من إدارة الزراعة الأمريكية (USDA) برامج الرهن العقاري بدون دفعة أولى وأسعار فائدة مواتية بشكل عام لمشتري المنازل في المناطق الريفية الذين يستوفون متطلبات الأهلية للدخل في إدارة الزراعة الأمريكية.

    تعرف على هذا الخيار وغيره من برامج القروض الخاصة.



    قرض إدارة شؤون المحاربين القدامى (VA) (VA loan)

    قرض إدارة شؤون المحاربين القدامى (VA)  هو برنامج قرض تقدمه إدارة شؤون المحاربين القدامى (VA) لمساعدة العسكريين، والمحاربين القدامى، والأزواج الباقين على قيد الحياة المؤهلين على شراء المنازل. لا تقدم إدارة شؤون المحاربين القدامى القروض ولكنها تحدد القواعد لمَن يحق لهم التأهل وشروط الرهن العقاري. يضمن قرض إدارة شؤون المحاربين القدامى (VA)  جزءًا من القرض لتقليل مخاطر الخسارة للمقرض. القروض متاحة بشكل عام للإقامة الأولية فقط.

    إذا كنت من المحاربين القدامى، فاكتشف ما إذا كان قرض إدارة شؤون المحاربين القدامى (VA) مناسبًا لك.

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    جهّز وضعك المالي قبل شراء منزل

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    إن شراء منزل حلم للعديد من الأسر، ولكنك قد لا تعرف من أين تبدأ أو متى تكون مستعدًا لذلك. فيما يلي بعض الخطوات التي تساعدك على أن تصبح مالكًا لمنزل. يوجد شرح أكثر تفصيلًا باللغة الإنجليزية في دليل شراء منزل الخاص بنا.

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    تقرر جهات الإقراض ما إذا كانت لديك القدرة على سداد الأموال قبل أن تقدم لك قرضًا لشراء منزل. ويمكنها مراعاة عوامل منها دخلك، وأصولك، وحالتك الوظيفية، ومدخراتك، وكذلك أقساطك الشهرية فيما يتعلق بسداد ديونك. وكذلك
    تدرس تقريرك الائتماني ودرجتك الائتمانية، لمعرفة ما إذا كنت قد سدّدت ديونك في وقتها المحدد.

    إليك سبب أهمية الحساب البنكي لإدارة أموالك (باللغة الإنجليزية)

    إليك سبب أهمية سجلك الائتماني وكيفية تحسينه (باللغة الإنجليزية)

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    يجب عليك معرفة المبلغ الذي تنفقه حاليًا كي تتمكن من تحديد المبلغ الذي يمكنك تحمل دفعه كل شهر مقابل شراء منزل جديد. وأنشئ قائمة توضح كل ما أنفقت عليه أموالك خلال الشهر. وقارن نفقاتك الشهرية براتبك الشهري. وكذلك يجب أن تقرر المبلغ الذي تريد تخصيصه كل شهر للادخار، ولحالات الطوارئ، ولتحقيق أهداف أخرى.

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    بعد مقارنة راتبك بنفقاتك، حدّد المبلغ الذي يمكنك تحمل إنفاقه على إجمالي أقساط منزلك. وقد تشمل التكاليف المستمرة التي يدفعها الأشخاص عند امتلاكهم لمنزل ما يلي:

    • أصل الدين ومدفوعات الفائدة على الرهن العقاري
    • التأمين على الرهون العقارية
    • الضرائب العقارية
    • تأمين أصحاب المنازل
    • التأمين التكميلي، مثل التأمين ضد الفيضانات
    • رسوم اتحاد ملاك البيوت (HOA)
    • صيانة وإصلاح المنزل
    • المرافق

    قد تزيد بعض المصروفات، مثل الضرائب والتأمين، مع مرور الوقت.

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    يؤثر العربون على المبلغ الذي تدفعه وموعد دفعه.

    يتطلب دفع عربون كبير قدرًا كبيرًا من النقود في البداية، وبالتالي تصبح الأقساط الشهرية أقل وتكاليف قرضك أقل بشكل عام. وبذلك لا تقترض الكثير من المال، وبالتالي سيتعين عليك سداد مبلغ أقل. وكذلك تدفع فائدة أقل لأنك تدفع فائدة على رصيد قرض أقل. وإذا كان العربون تبلغ قيمته 20% أو أكثر من سعر المنزل، فإنك عادةً لا تدفع مقابل التأمين على الرهون العقارية (باللغة الإنجليزية). ويساعدك ذلك على توفير المال، وخاصةً خلال السنوات الأولى من الرهن العقاري.

    من ناحية أخرى، قد يؤدي دفع عربون كبير إلى تبقي أموال أقل لإنفاقها. فقد تحتاج إلى النقود في نهاية معاملة القرض، على سبيل المثال لدفع تكاليف إتمام عملية البيع. وقد تحتاج إلى دفع تكاليف الانتقال إلى المنزل الجديد، أو إجراء التحسينات أو الإصلاحات، أو عمليات الشراء الجديدة لجعل منزلك مريحًا.

    تتوفر خيارات العربون المخفَّض

    قد تساعدك العديد من البرامج على شراء منزل بعربون صغير أو بدون عربون. وقد تعني خيارات العربون المخفَّض تحمل تكاليف أعلى طوال عمر القرض. عند مقابلة جهات الإقراض، اطرح عليهم الأسئلة واطلب منهم الاطلاع على عروض قروض متعددة.

    العربون ليس سوى جزء واحد مما تدفعه مقدمًا

    عند توقيع الوثائق الخاصة بمنزلك الجديد، يتعين عليك دفع الرسوم والتكاليف الأخرى للحصول على قرضك العقاري. وتسمى هذه التكاليف بتكاليف إتمام عملية البيع. وعادةً ما تتراوح تكاليف إتمام عملية البيع بين 2% إلى 5% من سعر شراء المنزل (باستثناء العربون). ومع ذلك، فإن تكاليف إتمام عملية البيع تعتمد على سعر المنزل، والعربون المدفوع، وتكاليف جهة الإقراض، ونوع القرض، ونوع المنزل وموقعه.

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    احصل على المساعدة في شراء منزلك الأول

    توفر العديد من الولايات والمنظمات المحلية برامج تساعد المشترين لأول مرة في دفع العربون أو تكاليف إتمام عملية البيع. وللعثور على البرامج القريبة منك:

    • ابحث عن مستشار إسكان في منطقتك (باللغة الإنجليزية)
    • اتّصل بالخط الساخن الخاص بمؤسسة ‎HOPE™ على الرقم ‎‎(888) 995-HOPE (4673) على مدار 24 ساعة في اليوم، 7 أيام في الأسبوع

    يمكنك أيضًا أن تطلب من مستشار الإسكان أن يساعدك فيما يلي:

    • تحديد الوقت المناسب لك لشراء منزل أو كيف يمكنك تحسين ائتمانك (باللغة الإنجليزية) للحصول على عرض أفضل
    • إلقاء نظرة فاحصة على خيارات قرضك العقاري أو الخيارات الأخرى المتوفرة لك إذا تحسن سجلك الائتماني
    • مراجعة تقاريرك الائتمانية ودخلك ومعلوماتك المالية الإضافية وتوضيح كيفية قيام جهات الإقراض العقارية بتقييم طلبك

    حدد المشكلات التي قد تعترض طريقك

    التمييز غير قانوني

    لا يمكن لجهات الإقراض رفض منحك الائتمان، أو فرض أقساط أو أسعار فائدة أعلى عليك، أو تقديم شروط غير مواتية لك، أو تثبيط عزيمتك عن التقدم بطلب للحصول على قرض، وذلك على أساس ما يلي:

    • العرق
    • اللون
    • الدين
    • الأصل القومي
    • النوع (بما يشمل التوجه الجنسي والهوية الجنسية)
    • الحالة الاجتماعية
    • العمر
    • تلقي الأموال من المساعدات العامة
    • ممارسة حقوقك بحسن نية بمقتضى قانون الحماية الائتمانية للمستهلك

    إذا كنت تواجه مشكلات مع الرهن العقاري، فيمكنك تقديم شكوى عبر الإنترنت أو عن طريق الاتصال بالرقم
    ‎‎(855) 411-CFPB (2372).

    "عقود سندات الملكية" قد تسبب لك المتاعب

    عقد سند الملكية (يُطلق عليه أحيانًا "سند صك الملكية" أو "عقد تقسيط الأرض" أو "الشراء بالعقد") هو شراء منزل على أساس خطة تقسيط وليس من خلال قرض الرهن العقاري التقليدي. وبدلًا من الاستعانة بجهة إقراض عقارية منفصلة للحصول على قرض لدفع الثمن الكامل للعقار إلى البائع، فإنك توافق على دفع الثمن إلى البائع على أقساط شهرية. ويحتفظ البائع بسند الملكية إلى أن يتم تنفيذ العقد. ويمثل هذا السند الملكية القانونية للمنزل.

    لكي تفهم حقوقك في عقد سند الملكية، فمن الجيد أن تتحدث إلى محامٍ. إليك نصائح للعثور على محامٍ في ولايتك.

    وفقًا لعقد سند الملكية، يجب عليك التصرف باعتبارك مالك العقار أثناء مدة العقد، حتى وإن لم يكن سند الملكية ملكك بعد. وفي عقد سند الملكية العادي، تدفع الضرائب العقارية والتأمين والإصلاحات والصيانة.

    في حالة الرهن العقاري التقليدي، إذا تأخرت في سداد أقساطك، فيتعين على جهة الإقراض عمومًا الانتظار قبل البدء في عملية نزع الملكية. أما في حالة عقد سند الملكية، يمكن للبائع في كثير من الأحيان أن يبدأ عملية الإخلاء على الفور. وقد يحدث الإخلاء بسرعة في الحالات التالية:

    • عدم سداد أحد الأقساط الشهرية
    • عدم إجراء "دفع البالون" بمبلغ كبير، إذا كان العقد يتطلب ذلك
    • عدم دفع أي تكاليف أخرى منصوص عليها في العقد، مثل الضرائب والصيانة

    بالإضافة إلى ذلك، عادةً ما يحتفظ البائع بكل الأموال والأعمال التي أجريتها في المنزل.

    حتى وإن قمت بسداد جميع الأقساط المطلوبة وفقًا للعقد، فقد تواجه متاعب. قد لا يكون لدى البائع سند ملكية واضح للمنزل. على سبيل المثال، قد يكون البائع مدينًا بأموال مقابل حق حجز أو رهن عقاري على العقار. أو أن البائع في بعض الأحيان يرفض ببساطة تسليم سند الملكية. وفي بعض الأحيان يأخذ البائع أموالك مقابل سداد الضرائب والتأمين ولكنه لا يدفعها فعليًا، لذا عندما تمتلك المنزل أخيرًا، فإنك تواجه فواتير كبيرة وغرامات ومشكلات أخرى.

    إذا كنت تواجه مشكلات مع عقد سند الملكية، فيمكنك تقديم شكوى عبر الإنترنت أو عن طريق الاتصال بالرقم
    ‎‎(855) 411-CFPB (2372).

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    Shopping for a mortgage (in Arabic)
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    التسوّق من أجل البحث عن رهن عقاري

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    التسوّق من أجل البحث عن رهن عقاري يستهلك وقتا وطاقة، ولكنه يمكن أن يوفر لك آلاف الدولارات. فاجعل من أهدافك المقارنة ما بين لا يقل عن ثلاثة عروض للرهون العقارية المقدمة من مقرضين مختلفين.

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    في هذه الصفحة:

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    احصل على الموافقة المبدئية من ثلاثة مقرضين على الأقل

    الإنترنت والصحف هي مكان جيد لبدء البحث عن مقرضي الرهون العقارية. اتصل بالبنوك والاتحادات الائتمانية والمنظمات التي قد تكون متخصصة في وضعك - مثل مشتريي المنازل لأول مرة أو قدامى المحاربين أو موظفي الخدمة العامة أو غيرهم.

    اطلب من ثلاثة مقرضين مختلفين على الأقل إعطاءك الموافقة المسبقة. فهذا يعني أن المقرض ينظر إلى وضعك المالي، بما في ذلك تقرير الائتمان الخاص بك، ويقدر المبلغ الذي يمكنك اقتراضه وما سعر الفائدة الذي ستدفعه على الأرجح. تسمح لك الموافقة المسبقة بتجربة كل مُقرض لمعرفة نوع القروض والأسعار التي يقدمها. عندما تحصل على جميع الموافقات المسبقة الثلاث خلال فترة زمنية قصيرة، ينبغي ألا يكون هناك تأثير كبير على درجة التصنيف الائتماني الخاصة بك.

    سوف تعود إلى هؤلاء المقرضين عندما تكون اتخذت بعض القرارات، واطلب منهم عروض لقروض.

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    التسوّق من أجل إيجاد القروض المناسبة من حيث المدة وهياكل أسعار الفائدة والبرامج

    مدة القرض: الأطول أم الأقصر

    بصفة عامة يكون القرض الأطول أجلا أكثر تكلفة على مدى عمر القرض، ولكن أقساطك الشهرية عادة ما تكون أقل. قد يكون بإمكانك التفاوض مع المقرض الذي تتعامل معه على قرض بمدة مختلفة، مثل 20 سنة أو 7 سنوات أو حتى أطول من 30 سنة.

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    معظم مشتريي البيوت يختارون قروضا تسدد على 30 سنة لأن الأقساط يمكن أن تكون منخفضة.

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    الأقساط عادة ما تكون أكبر من أقساط القروض المسددة على 30 سنة، ولكن القرض يتم تسديده بالكامل بعد 15 سنة وإجمالي تكلفة القرض يمكن أن تكون أقل.

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    هيكل سعر الفائدة على القرض: سعر ثابت أم سعر متغير

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    القروض الأكثر انتشارا هي القروض ذات سعر الفائدة الثابت. فقد يكون المبلغ الأولي الذي تدفعه في القروض ذات سعر القائدة المتغير أقل ولكن إذا ارتفعت أسعار الفائدة فأنت قد تواجه زيادة كبيرة في الأقساط الشهرية التي تدفعها.

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    سيظل كلا سعر الفائدة والقسط الشهري ثابتين على مدى عمر القرض.

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    في العادة يظل سعر الفائدة ثابتا للسنوات القليلة الأولى من عمر القرض، وبمجرد أن تنتهي فترة السعر الثابت يتغير السعر على فترات منتظمة بناء على "مؤشر" ، وهذا المؤشر هو قياس لأسعار الفائدة بشكل عام ويعكس التوجهات في الاقتصاد ككل. وهذا يعني أن القسط الذي تدفعه يمكن أن يزيد أو ينخفض. وتدخل تفاصيل ذلك في تثمين القرض الذي تتلقاه من المقرض.

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    برنامج القروض: التقليدي أو قروض الإدارة الفيدرالية للإسكان (FHA) أو قروض إدارة المحاربين القدماء (VA)أو برنامج خاص

    توجد برامج كثيرة للإقراض وبعضها مصممة بحيث تساعد على إتاحة الرهون العقارية للناس الذين لديهم ظروف معينة أو يكونون ضمن مجموعات معينة.

    هل ستدفع عربونا قدره 5٪ أو أكثر؟

    اسأل عن القروض المؤهلة لدعم مؤسسة فاني ماي (Fannie Mae) أو فريدي ماك (Freddie Mac) التي كثيرا ما تسمى بالقرض "التقليدي" .

    هل ستدفع عربونا صغيرا فحسب؟

    اسأل عن القروض المؤمـّنة من قبل الإدارة الاتحادية للإسكان (FHA).

    هل أنت فرد من أفراد القوات المسلحة أو من المحاربين القدامى؟

    اسأل عن القروض المضمونة من قبل وزارة شؤون المحاربين القدامى (VA).

    هل ستشتري بيتا في منطقة ريفية؟

    اسأل عن القروض المدعومة من قبل وزارة الزراعة الأمريكية (USDA).

    هل أنت تشتري بيتا لأول مرة ودخلك منخفض أو معتدل؟

    اسأل عن القروض المتوفرة عن طريق وكالة تمويل الإسكان التابعة للولاية التي تسكن فيها.

    والآن وقد حان الوقت لبدء عملية تقديم الطلب الرسمية. فاطلب من المقرضين الذين تتعامل معهم أن يقدموا لك عروضهم للقروض التي تعكس اختياراتك لنوع القرض وبرنامجه ومدته. ثم سيكون باستطاعتك إجراء المقارنات السليمة بين أشياء مماثلة لبعضها البعض.


    أولا قارن بين الأجزاء الأساسية للقرض:

    • ما مدة القرض؟
    • ما سعر الفائدة؟
    • ما مبلغ العربون الذي يـُعرض على أساسه القرض؟
    • ما مبلغ القسط الشهري؟
    • بالنسبة للرهون العقارية ذات أسعار الفائدة الثابتة هل هناك حد أعلى للتغيرات في مبلغ الأقساط وسعر الفائدة؟ وهل ينخفض سعر الفائدة إذا هبطت أسعار الفائدة في الأسواق؟

    بعد ذلك قارن ما بين باقي التفاصيل التي يمكن أن تؤثر على تكلفتك:

    • متى ستنتهي أقساطي من تسديد المبلغ الأساسي للقرض؟
    • هل ستتغير الأقساط الشهرية على مدى عمر القرض؟ إلى أي مدى يمكن أن يرتفع القسط الشهري الذي أدفعه؟
    • هل القسط الشهري الذي أدفعه يشمل الضرائب العقارية والتأمين؟ وإذا لم يكن فهل أستطيع أن أتحمـّل دفعها بشكل منفصل؟
    • ما هي التكاليف والرسوم التي ستضاف إلى المبلغ الأولي الذي سأدفعه؟ وهل ستضاف إلى أقساطي الشهرية المنتظمة؟
    • هل يتوجب عليّ دفع نقاط (الرسوم التي تـُدفع مقدما ولتخفيض سعر الفائدة الذي تدفعه)؟
    • ما هي الرسوم والتكاليف المشمولة في المبلغ الذي اقترضه (نموذجي للقروض المسماة "بدون تكاليف إتمام البيع")؟
    • هل العرض المكتوب يطابق ما قيل لي عن القرض شفويا؟
    • هل أستطيع الحصول على صفقة أفضل لخدمات التسوية من مقدمي خدمات مختلفين؟
    • هل أستطيع تسديد القرض مبكرا، أو دفع أقساط أكبر من الأقساط المجدولة، بدون غرامة؟

    اطلب صفقة أفضل

    بمجرد أن ترى العروض المقدمة من عدة مقرضين اسأل ما إذا كان من الممكن أن يقدموا لك شيئا أفضل. فالتفاوض معهم مسألة عادية وشائعة ولا ضرر في السؤال. فقد يستطيع المقرض إعفاءك من أحد الرسوم أو أكثر أو تخفيضه، أو خفض سعر الفائدة أو النقاط.

    تأكد من أن المقرض لا يخفـّض أحد الرسوم وفي نفس الوقت يزوِّد رسما آخر، أو يخفـّض سعر الفائدة المعروض عليك وفي نفس الوقت يزوِّد نقاطك؟

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    Shopping for your auto loan (in Arabic)
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    التسوق للحصول على قرض سيارة لك

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    التسوق للحصول على قروض ومحاولة الحصول على أفضل الأسعار والشروط الأخرى، رغم تعقيدها، يشبه الأنواع الأخرى من التسوق بمقارنة الأسعار. لذلك فإن التسوق في وقت مبكر سيجعلك على استعداد للتفاوض بشأن قرض السيارة الخاص بك ويجعل العملية أقل إرهاقًا.

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    استعد قبل التقدم بطلب للحصول على قرض سيارة

    ستكون في وضع أفضل للتسوق والمساومة للحصول على قرض سيارة إذا اتبعت هذه الخطوات قبل التقدم بطلب للحصول على قرض.

    تحقق من تقرير الائتمان الخاص بك

    تحدد المعلومات الواردة في تقرير الائتمان الخاص بك درجاتك الائتمانية. وتلعب درجتك الائتمانية دورًا كبيرًا في تحديد نوع قرض السيارة الذي يمكنك الحصول عليه، ومقدار الفائدة التي ستدفعها مقابل القرض. فيما يلي بعض الموارد المفيدة:

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    هل تحتاج إلى مُوقِّع مشارك؟

    المُوقِّع المشارك هو شخص - مثل أحد الوالدين أو أحد أفراد الأسرة أو صديق - ملزم تعاقديًا بسداد القرض تمامًا مثلك. إذا كان سجلك الائتماني محدودًا أو يحتاج إلى تحسين، وكانت درجتك الائتمانية منخفضة (أو ليس لديك درجة ائتمانية)، فمن الممكن أن يكون معدل الفائدة الخاص بك أقل بكثير إذا كان لديك مُوقِّع مشارك يتمتع بائتمان جيد أو ممتاز. وذلك لأن المُقرض سيعتمد على السجل الائتماني والدرجة الائتمانية للمُوقِّع المشارك عند اتخاذ القرار بشأن منح القرض.

    إذا كنت تفكر في أن يكون لديك مُوقِّع مشارك، فيجب أن تفكر أنت والمُوقِّع المشارك المحتمل بعناية في هذا القرار. إذا لم تسدد قرضك، فستكون أنت والمُوقِّع المشارك مسؤولين عن السداد. وهذا مع اعلم أن المُوقِّع المشارك يعتبر مسؤولاً عن القرض، حتى لو لم يكن له الحق في حيازة السيارة. بالإضافة إلى ذلك، فإن أي مدفوعات متأخرة يتم سدادها على القرض ستؤثر على كل من سجلك الائتماني ودرجتك الائتمانية وأيضا السجل الائتماني والدرجة الائتمانية للمُوقِّع المشارك. يحظر القانون الفيدرالي عمومًا على المُقرض من مطالبتك بأن يكون لديك مُوقِّع مشارك وذلك إذا تقدمت بطلب للحصول على قرض بشكل فردي وكنت مؤهلاً وفقًا لمعايير المقرض للجدارة الائتمانية للحصول على القرض. لمزيد من المعلومات حول التوقيع المشترك، تفضل بزيارة الموقع الإلكتروني consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    تحقق من أسعار الفائدة الحالية على قروض السيارات

    يمكنك البحث عن الأسعار عن طريق الاتصال بعدة بنوك أو اتحادات ائتمانية أو مقرضين آخرين. يمكنك أيضًا البحث عبر الإنترنت في العديد من المواقع التجارية التي قد تعطيك تقديرًا لمعدلات الفائدة على الصعيد الوطني ومن خلال الرمز البريدي الخاص بك. ستربطك بعض المواقع التجارية بمقرضين وتجار محددين للحصول على تقديرات، لذلك قد ترغب في توخي الحذر عند إدخال معلوماتك الشخصية.

    فكّر في دفع عربون

    إذا دفعت عربونا فإن ذلك سيخفض المبلغ الإجمالي الذي تموله لأنه سيتعين عليك اقتراض أموال أقل. وكلما كان مبلغ العربون أكبر، كلما انخفضت التكلفة الإجمالية للقرض.

    قرر ما إذا كنت تريد استبدال سيارتك الحالية

    إذا كنت تمتلك سيارة بالفعل، فابحث عن قيمتها لمعرفة المبلغ الذي قد تحصل عليه من عملية مبادلة أو بيع خاص. يمكنك البحث عن القيمة التقريبية باستخدام مواقع الويب التجارية عبر الإنترنت مثل Consumer Reports و Edmunds و Kelley Blue Book و J.D. Power و online classifieds (الإعلانات المبوبة على الإنترنت). قد تكون هذه الموارد متاحة أيضًا في مكتبتك المحلية. سيساعدك العثور على أمثلة لسيارات مماثلة تم بيعها مؤخرًا في منطقتك على معرفة السعر العادل.

    بمجرد أن تعرف قيمة سيارتك الحالية بالتقريب، يمكنك أن تقرر ما إذا كنت تريد استبدالها أو بيعها بنفسك. إذا قمت باستبدالها لدى أحد الوكلاء، فستقرر أنت والتاجر القيمة التي ستُخصم من سعر شراء سيارتك التالية. إذا قمت ببيعها بنفسك، فيمكنك استخدام الأموال التي تحصل عليها كعربون.

    إذا كان لديك قرض حالي على سيارتك التي تريد ا استبدالها، ففكّر في وضعك بعناية

    فكر جيدًا فيما إذا كنت ستتحمل ديونًا جديدة بالإضافة إلى ديونك الحالية. فيما يلي بعض الاعتبارات والخطوات:

    • اعرف من من المقرض الحالي ما هو مبلغ السداد، وهو المبلغ المطلوب دفعه لسداد القرض الحالي، قبل الذهاب إلى الوكالة.
    • حدد ما إذا كنت ستسدد قرضك الحالي الآن، وانتظر حتى تسدد قرض السيارة القديم قبل أن تقترض لسيارة أخرى، أو قم بتضمين المبلغ الذي لا تزال مدينًا به لسيارتك الحالية في قرض سيارتك الجديدة.
    • إذا كنت مدينًا لسيارتك الحالية بأكثر مما تستحق - يشار إليه على أنه مقلوب - فهذا يعني أن لديك رصيدًا سلبيًا. إذا قمت بتدوير رصيد قرض السيارة الحالي الخاص بك إلى قرض السيارة الجديد، فقد يؤدي ذلك إلى زيادة تكلفة قرض السيارة الجديد. ستكون التكلفة الإجمالية لقرضك أعلى لأنك ستقترض أكثر من مجرد سعر سيارتك الجديدة.
    • بعد البحث عن قيمة التي ستعود إليك من استبدال سيارتك ، إذا كان المبلغ الذي لا تزال مدينًا به في عملية الاستبدال أقل مما يستحق، فتأكد أثناء أي مفاوضات من التفكير فيما إذا كنت ستحصل على قيمة عادلة لسيارتك التي تستبدلها وأنك قادر على سداد قرض السيارة القديم بالكامل.
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    هل ما زلت مدينًا بالمال على سيارتك التي تريد استبدالها ؟

    إذا كنت تفكر في ترحيل رصيد القرض القديم إلى قرضك الجديد، فتأكد من فهم كيف سيؤثر ذلك على التكلفة الإجمالية لقرضك الجديد. انظر بعناية إلى التكلفة الإجمالية للقرض الجديد بما في ذلك المبلغ المقترض ومعدل النسبة المئوية السنوي (APR) وسعر الفائدة ومدة القرض (بالأشهر) والقسط الشهري - قبل الموافقة على أي شيء. إذا لم تقم بترحيل المبلغ الذي لا تزال مدينًا به لسيارتك القديمة إلى القرض الجديد، واحتفظت بسيارتك الحالية أثناء شراء سيارة جديدة، فسيكون لديك قرضان وقسطان شهريان عليك دفعهما. في كلتا الحالتين، قد ترغب في التفكير فيما إذا كان من المنطقي المضي قدمًا في المعاملة وشراء السيارة التالية إذا كنت لا تزال مدينًا بالمال على سيارتك التي تريد استبدالها. لمزيد من المعلومات، يرجى زيارة الموقع الإلكتروني consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    فكر في الإضافات الاختيارية مسبقًا

    عندما تذهب إلى تاجر سيارات، ففي الغالب ستُعرض عليك منتجات وخدمات إضافية للسيارة أو للقرض. فمن المستحسن أن تفكر في هذه الإضافات مسبقًا، بحيث تقلل من الأمور التي تسبب لك أي قلق في الوكالة، وتكون لديك إجابات جاهزة عندما يُطلب منك شراء هذه الإضافات. وتشمل الإضافات الشائعة ما يلي:

    هذه المنتجات والخدمات التي يمكنك تمولها اختيارية. إذا قمت بشرائها فإن السعر قابل للتفاوض. إذا كنت تعتقد أنك تريد شراء هذه المنتجات أو الخدمات، فتسوق. على سبيل المثال، قد تقدم شركة التأمين على السيارات الخاصة بك تأمين GAP أو تأمين الائتمان أو بدائل أخرى. وإذا قمت بتمويل الإضافات الاختيارية كجزء من قرضك، سيزداد المبلغ الذي تقترضه وتدفعه.

    الآن وبعد أن قمت بجمع كل ما يجب من معلومات، فأنت على استعداد لاتخاذ الخطوة التالية: التسوق للحصول على قرض السيارة. استخدم ورقة عمل قرض السيارة الموجودة بالموقع consumerfinance.gov لتتبع شروط القرض ومقارنة اختياراتك. وخذ ورقة العمل معك إلى البنك، والاتحاد الائتماني، والمقرض الآخر، والوكالة حتى تتمكن من مقارنة خيارات القروض المعروضة عليك والحصول على أفضل صفقة لك.

    تسوق للحصول على قرض سيارة

    أنت الآن جاهز لبدء التسوق للحصول على قرض. قبل أن تتوجه إلى الوكالة، اجمع معلوماتك الشخصية وفكر في الحصول على موافقة مسبقة للحصول على قرض.

    فالتسوق في وقت مبكر سيجعلك على استعداد للتفاوض بشأن قرض السيارة الخاص بك وسيجعل العملية أقل إرهاقًا.

    اجمع معلوماتك الشخصية

    عندما تتجه إلى بنك أو اتحاد ائتماني أو وكالة، تأكد من جمع جميع المعلومات التي ستحتاج إليها. سيطلب المقرضون بشكل عام هذه المعلومات في طلب القرض:

    • الاسم
    • رقم الضمان الاجتماعي أو ITIN (رقم تعريف دافع الضريبة للفرد)
    • تاريخ الميلاد
    • العنوان الحالي والسابق (العناوين الحالية والسابقة) ومدة الإقامة
    • صاحب العمل الحالي والسابق (أصحاب العمل الحاليون والسابقون) وطول مدة التوظيف
    • المهنة
    • مصادر الدخل
    • إجمالي الدخل الشهري الكلي
    • المعلومات المالية عن حسابات الائتمان الجارية، بما في ذلك الديون الأخرى

    احصل على موافقة مسبقة للحصول على قرض

    يعد الحصول على عرض أو سعر لقرض تمت الموافقة عليه مسبقًا شاملا الحد الأقصى لمبلغ القرض وسعر الفائدة من بنك أو اتحاد ائتماني أو مقرض آخر مكانًا جيدًا للبدء. إذا حصلت على عرض لسعر قرض من مقرض إلى التاجر، فقد تكون في وضع أقوى للمساومة والحصول على صفقة أفضل، سواء التزمت بالعرض الذي أحضرته معك أو قررت قبول عرض التمويل المقدم من التاجر.

    تساعدك الموافقة المسبقة أيضًا على البقاء في حدود ميزانيتك وتسمح لك بمقارنة أسعار الفائدة دون ضغوط الوقت التي قد تشعر بها بمجرد أن تكون في الوكالة. ثم في الوكالة، يمكنك التركيز أكثر على السعر الفعلي للسيارة وسيارتك التي تريد استبدالها لأنك ستكون على دراية مسبقة بشروط القرض الذي يمكنك الحصول عليها. وسيظل لديك خيار التفاوض على قرض أفضل في الوكالة وعدم استخدام الموافقة المسبقة التي حصلت عليها.

    إذا تمت الموافقة على طلبك مسبقًا، فسيقوم المُقرض بإعطائك المستندات اللازمة لأخذها إلى ا الوكالة. وبمجرد أن تكون مستعدًا للشراء، سيقوم التاجر بعمل الترتيبات النهائية مع المُقرض الخاص بك.

    افهم كيف يؤثر التسوق للحصول على قرض على درجتك الائتمانية

    التسوق من أجل الحصول على أفضل صفقة لقرض سيارة عامة لا يكون له أي تأثير يُذكر على درجاتك الائتمانية. فإن فائدة التسوق ستفوق بكثير أي تأثير على درجتك (درجاتك) الائتمانية. في بعض الحالات، قد يؤدي التقدم بطلب للحصول على قروض متعددة على مدى فترة زمنية طويلة إلى خفض درجتك (درجاتك) الائتمانية. واعتمادًا على النموذج المستخدم لتحديد الدرجة الائتمانية ، بشكل عام، فإن أي طلبات أو استفسارات من جانب هؤلاء المقرضين للحصول على درجتك (درجاتك) الائتمانية والتي حدثت في غضون فترة زمنية تتراوح من 14 يومًا إلى 45 يومًا سيتم احتسابها كاستعلام واحد فقط. وهذا يعني أن التسوق للحصول على قرض سيارة خلال تلك الفترة الزمنية سيحتسب مثله مثل التقدم بطلب للحصول على قرض واحد فقط. يمكنك التقليل إلى الحد الأدنى من أي تأثير سلبي على درجتك الائتمانية عن طريق القيام بكل ما تبذله من التسوق للحصول على أفضل الأسعار في فترة زمنية قصيرة.

    اعرف حقوقك

    لا يجوز لمُقرض تثبيطك أو رفض طلبك للحصول على ائتمان، أو عرض أسعار مختلفة أو شروط وأحكام أخرى للقرض، بناءً على العرق أو اللون أو الدين أو الأصل القومي أو الجنس أو الحالة الاجتماعية أو السن أو تلقي دخل المساعدة العامة، أو ممارسة بحسن نية لأي حق بموجب قانون حماية ائتمان المستهلك.

    يمكنك التبليغ عن الاحتيال عبر الإنترنت لدى لجنة التجارة الفيدرالية (Federal Trade Commission, FTC) على الموقع reportfraud.ftc.gov أو إرسال شكوى إلى مكتب الحماية المالية للمستهلكين (Consumer Financial Protection Bureau, CFPB)) على الموقع consumerfinance.gov/complaint أو عن طريق الاتصال هاتفيا على الرقم المجاني 1-855-411-CFPB (2372).

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    Act fast if you can’t pay your credit cards (in Haitian Creole)
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    Aji vit si ou pa ka peye kat kredi ou yo

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    Aji touswit epi rele konpayi kat kredi w lan si ou panse ou pa ka peye peman minimòm nan sou kat kredi w lan.

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    Gen anpil konpayi kat kredi ki gen dwa dispoze ede ou si w ap fè fas a yon ijans finansye. Ou pa bezwen an reta nan peman ou yo pou mande yo ede ou!

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    Pa inyore pwoblèm nan

    Sa gen dwa lakòz pi gwo pwoblèm toujou, tankou:

    • To enterè pi wo
    • Peman minimòm pi wo
    • Pèdi privilèj sèvi ak kat ou a
    • Frè reta
    • Donmaj nan nòt kredi ou

    Men sa pou fè

    1. Adisyone lajan ki antre ak sa ou depanse

    Chèche fason pou redwi depans yo. Si ou pa ka jwenn ase pou peye peman minimòm ou an, deside konbyen ou ka peye.

    2. Rele konpayi kat kredi w lan

    Pa bliye eksplike klè:

    • Poukisa ou pa ka peye minimòm nan
    • Montan ou ka peye
    • Lè w ap ka rekòmanse peman nòmal ou yo

    3. Reflechi sou pran konsèy sou kredi

    Si ou bezwen plis èd, òganizasyon konsèy nan zafè kredi ki pa gen bi fè lajan yo ka montre ou kijan pou w jere lajan ou.

    Anvan ou enskri pou konsèy nan zafè kredi, mande si y ap fè ou peye, ki montan, ak ki sèvis y ap ba ou. Konseye nan zafè kredi w lan dwe pran tan aprann sitiyasyon finansye ou, epi ofri ede ou aprann kijan pou w amelyore li.

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    Pa gen solisyon fasil

    Gen konpayi ki fè lajan nan soulaje dèt ki di yo ka ede ou fin peye dèt ou yo “pou yon ti kras lajan.” Men anpil fwa, yo pa kenbe pwomès sa yo. Fè atansyon a tout òganizasyon soulajman dèt ki:

    • Fè ou peye anvan li regle dèt ou yo
    • Garanti li ka fè dèt ou a disparèt
    • Di ou sispann kominike ak pretè yo oswa konpayi kat kredi yo
    • Di ou sispann fè peman sou yon kat kredi oswa yon prè
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    Auto loan key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè prè pou achte machin

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    Valè Reyèl (ACV) (Actual Cash Value (ACV))

    Valè Kach Reyèl la (ACV) se valè machin nan dapre sous endepandan tout moun rekonèt tankou National Automobile Dealers Association (Asosyasyon Nasyonal Konsesyonè Machin nan) oswa Kelley Blue Book .

    Amòtisman (Amortization)

    Amòtisman an dekri pwosesis fin peye prè pou achte machin ou an ofiyamezi. Nan yon prè amòtisab, pou chak peman ou fè nan yon mwa, gen yon pòsyon yo itilize pou peye montan prè a – kapital la – epi yo sèvi ak yon pòsyon nan peman an pou peye chaj finansye yo – enterè a.

    Li plis (ann anglè)

    To Enterè Anyèl (APR) (Annual Percentage Rate (APR))

    To Enterè Anyèl la (APR) se depans ou fè chak ane pou prete lajan, sa gen ladan frè yo, ki eksprime sou fòm pousantaj. APR la se yon mezi pi jeneral depans ou fè pou prete lajan poutèt li reflete non sèlman to enterè a men frè ou gen pou peye yo pou jwenn prè a tou. Plis APR la wo, plis w ap peye pandan dire prè a.

    APR ak to enterè yon prè pou achte machin se de (2) nan fason pi enpòtan yo pou mezire pri w ap peye a pou prete lajan an. Lwa federal sou Verite nan Prè a (TILA) egzije pretè yo pou yo aklè lè y ap ba ou kondisyon enpòtan yo, sa gen ladan APR la, anvan lalwa vin oblije ou pou w remèt prè a. Kòm tout pretè yo dwe bay APR la, ou ka sèvi ak APR la pou konpare prè pou achte machin yo. Annik verifye ke w ap konpare APR avèk APR men se pa avèk to enterè.

    Benefisyè (Assignee)

    Yon benefisyè se yon moun oswa yon konpayi ki achte prè pou achte machin ou an. Pa egzanp, yon konsesyonè ki ofri ou kredi gen dwa vann prè w lan bay yon bank, sa ki fè bank la vin benefisyè a. Se moun ki achte prè w la ou dwe lajan an. Benefisyè a gen dwa retansyon sou machin nan e li kapab sezi li si ou pa peye.

    Pri debaz (Base price)

    Pri debaz la se pri machin nan san opsyon.

    Li plis (ann anglè)

    To dacha (Buy rate)

    To dacha a se yon estimasyon to enterè yon pretè posib ap bay konsesyonè ou a lè ou mande pou konsesyonè a fè aranjman pou finansman pou ou.

    Li plis (ann anglè)

    Kosiyatè (Co-signer)

    Yon kosiyatè se yon moun—tankou yon paran, yon manm fanmi pwòch, oswa yon zanmi—ki pwomèt remèt prè a si ou pa fè l. Li kapab bon pou ni ou ni pretè w la. Kosiyatè a pran responsabilite total pou li remèt prè a. Lè ou gen yon kosiyatè sou prè w la sa bay pretè w la asirans prè a ap remèt. Si ou pa remèt prè w la, kosiyatè w la ap responsab remèt li menm si kosiyatè a pa t jan kondwi machin ou an. Si yo mande ou kosiyen yon prè, ou dwe konsidere ki konsekans l ap genyen sou finans ou.

    Asirans kredi (Credit insurance)

    Asirans kredi an se yon asirans ou pa oblije pran ki gen dwa fè peman pou machin nan bay pretè w la nan sèten sitiyasyon, tankou si ou mouri oswa vin andikape. Si w ap reflechi sou asirans kredi, ou dwe konprann kondisyon règleman y ap ofri w lan. Si ou deside ou bezwen asirans, gen dwa gen fason pi bon mache pou w jwenn pwoteksyon pase achte asirans kredi epi ajoute li nan prè pou achte machin ou an. Pa egzanp, asirans vi gen dwa mwen chè pase asirans vi kredi epi li gen dwa kite fanmi ou fin peye lòt depans anplis prè pou achte machin ou an.

    Pwodwi pou anilasyon oswa sispansyon dèt (Debt cancellation or suspension products)

    Gen konsesyonè epitou bank ak kès depay ki ofri pwodwi oswa asirans “anilasyon dèt” oswa “sispansyon dèt” sou diferan non. Pwodwi sa yo sanble asirans kredi nan fason yo fonksyone, men frè yo ak karakteristik yo gen dwa diferan.

    Li plis (ann anglè)

    Balans defisitè (Deficiency balance)

    Si yo sezi epi vann machin ou an, ou gen dwa responsab peye diferans la ant montan ki rete nan prè w la (plis frè sezi yo) ak pri devant la. Yo rele sa “balans defisitè”.

    Avalwa (Down payment)

    Yon avalwa se yon premye peman davans ou fè sou pri total machin nan. Avalwa ou a ka kach, valè yon tredin, oswa toude. Plis avalwa ou a wo, mwens ou bezwen prete. Yon gwo avalwa gen dwa redui peman pa mwa w lan tou ak pri total finansman an.

    Garanti pwolonje oswa kontra sèvis machin (Extended warranty or vehicle service contract)

    Yon garanti pwolonje oswa kontra sèvis machin kouvri depans yo pou sèten kalite reparasyon, anplis garanti fabrikan an oswa lè garanti fabrikan an fini.

    Li plis (ann anglè)

    Depatman finans ak asirans la (Finance and insurance department)

    Si w achte yon machin kay yon konsesyonè, vandè a gen dwa voye ou wè yon moun nan biwo finans ak asirans la (F&I) oswa nan biwo dafè a. Se pati kay konsesyonè a k ap vann kliyan yo prè ak diplis lè yo fin aksepte achte yon machin kay konsesyonè a.

    Li plis (ann anglè)

    Finansman ak to fiks (Fixed-rate financing)

    Finansman ak to fiks vle di to enterè sou prè w la pa chanje pandan dire prè w la. Avèk yon to fiks, ou ka wè peman ou pou chak mwa ak total w ap peye a pandan dire yon prè. Ou ta ka pito finansman ak to fiks la si w ap chèche yon peman prè ki p ap chanje. Finansman ak to fiks la se yon kalite finansman. Yon lòt kalite se finansman ak to varyab.

    Asirans pretè (Force-placed insurance)

    Pou w jwenn prè pou achte machin, ou dwe gen asirans pou kouvri machin nan menm. Si ou pa arive jwenn asirans oswa si ou kite asirans ou a ekspire, kontra a nòmalman bay pretè a dwa pou li pran asirans pou kouvri machin nan. Asirans sa a rele “asirans pretè”.

    Li plis (ann anglè)

    Asirans Pwoteksyon Machin Garanti (GAP) (Guaranteed Auto Protection (GAP) insurance)

    Asirans GAP la kouvri diferans la (oswa eka a) ant montan ou dwe sou prè pou achte machin ou an ak sa asirans ou a ap peye si yo vòlè machin ou an, li donmaje, oswa li kraze nèt. Ou pa oblije achte asirans sa a, men si ou deside ou vle li, fè konparezon. Pretè yo gen dwa gen diferan pri pou pwodwi sa a.

    To enterè (Interest rate)

    To enterè yon prè pou achte machin se pri ou peye chak ane a pou prete lajan, ki eksprime sou fòm pousantaj. To enterè a pa gen ladan frè yo fè ou peye pou prè a.

    APR ak to enterè yon prè pou achte machin se de (2) nan fason pi enpòtan yo pou mezire pri w ap peye a pou prete lajan an. Lwa federal sou Verite nan Prè a (TILA) egzije pretè yo pou yo aklè lè y ap ba ou kondisyon enpòtan yo, sa gen ladan APR la, anvan lalwa vin oblije ou pou w remèt prè a. Kòm tout pretè yo dwe bay APR la, ou ka sèvi ak APR la pou konpare prè pou achte machin yo. Annik verifye ke w ap konpare APR avèk APR e pa avèk to enterè.

    Echeyans oswa dire prè a (Loan term or duration)

    Se dire prè pou achte machin ou an, ki jeneralman eksprime an mwa. Yon echeyans pi kout pou prè a (kote ou fè peman chak mwa pandan mwens mwa) ap redwi ri total prè w la. Yon prè pi long ka redwi peman chak mwa w lan, men w ap peye plis enterè sou dire prè a. Yon prè pi long ap fè ou riske tou pou w vin gen kapital negatif, ki se lè ou dwe plis sou machin nan pase sa machin nan vo.

    Rapò prè-valè (Loan-to-value ratio)

    Rapò prè-valè a (LTV) se valè lajan total prè w la divize pa valè kach reyèl (ACV) machin ou an. Yo nòmalman eksprime li an pousantaj. Akont ou an ap redui rapò prè-valè prè w lan.

    Li plis (ann anglè)

    Abitraj obligatwa (Mandatory binding arbitration)

    Lè ou siyen yon kontra ki gen yon kondisyon abitraj obligatwa, ou dakò pou rezoud tout konfli sou kontra a devan yon abit k ap pran desizyon sou konfli an olye pou w ale nan tribinal. Ou gen dwa dakò renonse a lòt dwa tou, tankou kapasite ou pou w fè apèl desizyon an oswa pou w patisipe nan yon pwosè nan non yon gwoup moun.

    Li plis (ann anglè)

    Avantaj fabrikan yo (Manufacturer incentives)

    Avantaj fabrikan yo se bon afè espesyal, tankou 0% finansman oswa ranbousman kach ou gen dwa wè nan reklam pou nouvo machin. Souvan, se pou sèten modèl sèlman yo ofri yo.



    Pri Detay Fabrikan an Sijere (MSRP) (Manufacturer Suggested Retail Price (MSRP))

    Pri Detay Fabrikan an Sijere a (MSRP) se pri konstriktè otomobil la – fabrikan an – sijere pou konsesyonè a mande pou machin nan.



    Kapital negatif (Negative equity)

    Si ou dwe plis sou prè pou achte machin ou genyen kounye a pase sa machin nan vo alòs ou gen yon kapital negatif. Sa vle di, si ou ta eseye vann machin ou an, ou pa t ap kapab jwenn sa ou deja dwe sou li an. Paregzanp, an nou di ou dwe $10,000 sou prè pou achte machin ou an epi machin ou an vo $8,000 kounye a. Sa vle di ou gen yon kapital negatif $2,000. W ap gen pou fin peye kapital negatif sa a si ou vle twoke machin ou an epi pran yon prè pou achte yon machin nèf.



    Prè pou achte machin san verifikasyon kredi oswa “achte isit la, peye isit la” (No credit check or "buy here, pay here" auto loan)

    Yon prè pou achte machin “san verifikasyon kredi” oswa “achte isit la, peye isit la”, se konsesyonè ki nòmalman finanse prè pou achte machin “sou plas” pou kliyan ki pa gen kredi oswa ki gen move kredi, ki ofri li.

    Li plis (ann anglè)

    Kapital (Principal)

    Kapital la se lajan ou te dakò remèt la nan kòmansman.

    Jeneralman, tout peman ou fè sou yon prè pou achte machin ap sèvi toudabò pou peye frè ou dwe yo (paregzanp, frè reta). Apre sa, lajan ki rete nan peman w lan ap sèvi pou peye tout enterè ou dwe, sa gen ladan enterè w ap peye an reta, si genyen. Apre sa rès peman w lan ap sèvi pou peye balans kapital prè w lan.

    Pri baze sou risk (Risk-based pricing)

    Pri baze sou risk se lè pretè yo ofri diferan kliyan diferan to enterè oswa lòt kondisyon prè, baze sou risk yo estime ki genyen pou kliyan yo pa remèt lajan yo prete a.

    Li plis (ann anglè)

    Pri total (Total cost)

    Se kantite ou pral peye pou achte machin ou, sa gen ladan kapital, enterè, ak tout akont oswa tredin, pandan dire prè a.

    Deklarasyon Verite nan Prè (Truth in Lending disclosure)

    Lwa federal sou Verite nan Prè a (oswa “TILA” pou pi kout)—egzije pou moun ki mande prè a resevwa deklarasyon ekri sou kondisyon kredi enpòtan anvan lalwa oblije yo peye prè a. Aprann plis sou enfòmasyon ki nan deklarasyon TILA w lan ak sou ki lè ou dwe resevwa l epi li l.

    Finansman ak to varyab (Variable-rate financing)

    Finansman ak to varyab se lè to enterè prè w lan ka chanje, baze sou to preferansyèl la oswa sou yon lòt to ki rele “endèks”. Avèk yon prè ak to varyab, to enterè a sou prè a ap chanje amezi to endèks la ap chanje, sa ki vle di li ka monte oubyen desann. Poutèt to enterè w lan ka monte, peman pa mwa w lan ka monte tou. Plis echeyans prè a long, plis yon prè ak to varyab ka gen risk pou yon moun ki mande prè, poutèt to yo gen plis tan pou yo monte. Finansman ak to varyab la se yon kalite finansman. Yon lòt kalite se finansman ak to fiks.

    Asirans nan Enterè Machann nan Sèlman (VSI) (Vendor's Single Interest (VSI) insurance)

    Asirans VSI la pwoteje pretè a, menm pa ou, nan ka machin nan ta donmaje oswa kraze nèt.

    Li plis (ann anglè)

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    Bank accounts key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè kont labank

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    Chanm Konpansasyon Otomatik (ACH) (Automated Clearing House (ACH))

    Otorizasyon Chanm Konpansasyon Otomatik la (ACH) se yon otorizasyon peman ki bay pretè a pèmisyon pou li pran lajan elektwonikman nan kont labank ou, kès depay ou, oswa kat peye davans ou lè moman an rive pou w peye. Ou ka revoke otorizasyon sa a.

    Peman debi otomatik (Automatic debit payment)

    Avèk debi otomatik, ou bay konpayi an pèmisyon pou li pran peman yo dirèkteman nan kont labank ou. Se pa menm bagay ak opsyon pou peye bòdwo regilyèman ke bank ou a ofri an. Nan peman regilye bòdwo, ou bay pèmisyon pou bank ou oswa kès depay ou voye peman an bay konpayi an.

    Sètifika depo (CD) (Certificate of deposit (CD))

    Yon Sètifika Depo, oswa CD, se yon kalite kont depay espesyal ke bank yo oswa kès depay yo ofri. Ou jeneralman dwe kenbe fon w yo nan CD an pandan yon peryòd tan yo presize ba ou pou evite penalite.

    Li plis (ann anglè)

    Sètifika depo (CD) renouvle (Certificate of deposit (CD) rollover)

    Yon renouvèlman ka fèt lè echeyans CD a rive.

    Li plis (ann anglè)

    Trèt a vi (Demand draft)

    Yon trèt a vi kite yon moun tire lajan sou kont chèk ou san siyati ou.

    Li plis (ann anglè)

    Blokaj depo (Deposit hold)

    Kantite tan yon bank oswa kès depay kenbe fon ou depoze pa chèk, yo rele sa pafwa “blokaj depo” oswa “blokaj chèk”. Gen bank ak kès depay ki gen dwa mete fon yo disponib pi vit pase sa lalwa egzije, epi genyen ki gen dwa akselere disponibilite fon yo si ou peye pou sa.

    Fidisyè (Fiduciary)

    Yon fidisyè se yon moun k ap jere lajan oswa pwopriyete pou yon lòt moun. Lè yo nonmen ou kòm fidisyè, lalwa egzije pou w jere lajan ak pwopriyete moun lan nan enterè li, pa nan enterè pa ou.

    Gadyen pwopriyete (Guardian of property)

    Yon gadyen pwopriyete se yon moun tribinal la nonmen pou jere lajan ak pwopriyete yon lòt moun tribinal la jije li pa kapab jere lajan li ak pwopriyete li poukont li.

    Li plis (ann anglè)

    Nimewo endividyèl kontribyab (ITIN) (Individual taxpayer identification number (ITIN))

    ITIN nan se yon nimewo idantifikasyon ou resevwa nan men Sèvis Enpò sou Revni Ameriken an (Internal Revenue Service). ITIN nan disponib sèlman pou sèten etranje ki pa rezidan oswa ki rezidan, mari/madanm yo, ak depandan yo ki pa ka jwenn yon Nimewo Sekirite Sosyal.

    Kont ini (Joint account)

    Si ou ta renmen kite yon zanmi oswa yon manm fanmi ou ekri chèk ak fè depo pou ou, reflechi sou ouvè yon kont ini Jeneralman, tout moun ki gen non yo sou yon kont jwen ka ekri chèk, tire lajan, fè tranzaksyon, deplase fon, oswa fèmen kont la. Si gen youn nan moun ki sou kont la ki dwe lajan, kreyansye a ka eseye kolekte lajan nan kont ini an.

    Kont depo mache monetè (Money market account)

    Yon kont depo mache monetè se yon kalite espesyal kont ke bank ak kès depay yo ofri.

    Li plis (ann anglè)

    Frè ensifizans pwovizyon (NSF) (Non-sufficient funds (NSF) fees)

    Yo gen dwa fè ou peye frè NSF oswa ensifizans pwovizyon lè chèk ou a oswa otorizasyon elektwonik ou a pa peye poutèt mank fon nan kont ou. Yo rele sa souvan chèk ki “retounen” oswa ki “san pwovizyon”.

    Dekouvè (Overdraft)

    Ou gen dekouvè lè ou pa gen ase lajan nan kont ou pou kouvri yon tranzaksyon, men bank la peye tranzaksyon an kanmenm. Kont ou ka vin dekouvè poutèt chèk, tranzaksyon nan ATM, acha avèk kat debi, peman otomatik bòdwo, ak retrè elektwonik oswa an pèsonn.

    Gen anpil bank ak kès depay ki ofri pwogram pwoteksyon kont dekouvè kote bank la oswa kès depay lan jeneralman peye tranzaksyon an epi fè ou peye yon frè (anplis dèske li egzije pou w remèt montan dekouvè a). Ou ka kouvri dekouvè a tou gras a yon transfè fon soti nan yon kont ki lye, yon kat kredi, oswa yon liy kredi.

    Liy kredi pèsonèl (Personal line of credit)

    Yon liy kredi pèsonèl se yon prè ou itilize detanzantan. Ou ekri chèk espesyal oswa mande transfè ale sou kont chèk ou a pa telefòn oswa sou entènèt.

    Menm jan ak yon kont kat kredi, ou gen yon limit kredi, ou resevwa bòdwo chak mwa, ou fè omwen yon peman minimòm, ou peye enterè baze sou balans ou rete a, e petèt ou peye yon frè chak fwa ou sèvi ak kont la.

    Liy kredi pèsonèl yo pa gen garanti, kontrèman a Liy Kredi ki Garanti ak Byen Imobilye yo (HELOC), ki gen yon ipotèk sou kay ou ki kore yo. Se bank ak kès depay ki ofri liy kredi pèsonèl, e yo nòmalman egzije pou w gen yon kont chèk tou nan menm enstitisyon an.

    Manda legal (Power of attorney)

    Yon manda legal (POA) se yon dokiman jiridik ki kite yon lòt moun aji nan non ou. Kreyasyon yon POA se yon fason pou nonmen yon moun k ap pran desizyon pou ou e li relativman bon mache, malgre yon avoka gen dwa oblije ede ou.

    Yon POA finansye ka sèvi kòm zouti pou planifye enkapasite ki ka rive pi devan – lè ou p ap kapab pran desizyon finansye poutèt, paregzanp, ou vin annanfans, ou pran blesi ak chòk nan sèvo, oswa ou vin gen kèk lòt deteryorasyon ki gen konsekans sou fonksyon mantal ou. Lè li sèvi pou planifikasyon davans, yon POA jeneralman “dirab”, sa ki vle di li rete an vigè menm si moun ki kreye li an vin andikape. Kontinye li pou jwenn plis enfòmasyon sou manda legal la (POA).

    Moun k ap jere prestasyon pou yon lòt moun (Representative payee)

    Administrasyon Sekirite Sosyal la (SSA) nonmen yon moun pou jere prestasyon pou yon lòt moun ki bezwen yo ede li jere peman prestasyon Sekirite Sosyal li oswa Revni Sekirite Siplemantè (SSI) li. Sèl sa moun k ap jere prestasyon pou lòt moun nan ka jere se chèk prestasyon ke SSA peye yo. Si moun k ap resevwa prestasyon yo gen lòt lajan oswa pwopriyete li pa ka jere, moun k ap jere prestasyon pou li an dwe gen otorizasyon legal nan men yon lòt sous pou li jere lòt fon yo. Paregzanp, yon tribinal ta ka nonmen yon moun k ap jere prestasyon pou yon lòt moun kòm gadyen pwopriyete tou. Kòm moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun, ou se yon fidisyè.

    Pou plis enfòmasyon sou moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun, li gid sa a sou jesyon lajan lòt moun.

    Fidisi revokab (Revocable living trust)

    Yon fidisi revokab se yon dokiman jiridik ki ba ou otorite pou pran desizyon sou lajan oswa pwopriyete yon lòt moun ke yon kenbe nan yon fidisi.

    Li plis (ann anglè)

    Moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun (Social Security representative payee)

    Administrasyon Sekirite Sosyal la nonmen yon moun pou jere prestasyon pou yon lòt moun ki bezwen yo ede li jere peman prestasyon Sekirite Sosyal li oswa Revni Sekirite Siplemantè li.

    Li plis (ann anglè)

    Fidisyè VA (VA fiduciary)

    Yon fidisyè se yon moun k ap jere lajan oswa pwopriyete pou yon lòt moun. Depatman Afè Ansyen Konbatan an (VA) nonmen fidisyè VA pou jere prestasyon ansyen konbatan pou moun ki pa ka jere fon yo poukont yo.

    Li plis (ann anglè)

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    To Enterè anyèl (APR) (Annual percentage rate (APR))

    APR la, oswa to entèrè anyèl la, se fason nòmal la pou konpare kantite lajan yon prè koute. Li kite ou konpare pri pwodui prè ki konparab. Konpayi kat kredi w lan dwe di ou sa APR la ye anvan ou dakò sèvi ak kat la.

    Pou kalkile APR la, yo konpare to enterè a ak frè yo avèk montan yo prete w la epi yo kalkile yo sou yon peryòd yon ane. Sa pèmèt ou konpare depans yon kat kredi ak yon prè pou remèt pa vèsman sou sis mwa. Se poutèt sa tou APR yo souvan diferan de to enterè senp.

    Transfè balans (Balance transfer)

    Yon transfè balans kite ou deplase yon balans ki rete ou soti sou yon kat kredi ale sou yon lòt, pafwa pou yon frè. Frè a se nòmalman yon sèten pousantaj nan montan ou transfere a oswa yon montan fiks, kèlkeswa sa ki pi wo a. Gen anpil konpayi kat kredi ki ofri balans transfè ak zewo pousan oswa ak enterè ba pou envite ou konsolide dèt ou sou yon sèl kat kredi. To enterè piblisitè a pou pifò transfè balans yo se pou yon tan limite. Apre sa, to enterè a sou nouvo kat kredi w lan gen dwa monte, sa k ap ogmante montan peman w yo.

    Si ou gen plis pase 60 jou reta pou yon peman, konpayi kat kredi an ka ogmante to enterè a sou tout balans yo, sa gen ladan balans ki transfere a.

    Balans kredi (Credit balance)

    Yon balans kreditè sou relve bòdwo w lan se montan konpayi ki ba ou kat kredi an dwe ou.

    Yo ajoute kredi sou kont ou chak fwa ou fè yon peman. Yo ajoute yo tou lè ou remèt yon bagay ou te achte avèk kat kredi oswa poutèt rekonpans ou genyen oswa poutèt erè yo te fè nan yon bòdwo anvan sa. Si total kredi yo depase montan ou dwe a, relve w la ap montre yon balans kredi.

    Li plis (ann anglè)

    To peryodik jounalye (Daily periodic rate)

    Gen konpayi kat kredi ki kalkile enterè sou kont la gras a yon to enterè peryodik jounalye ki, pou kalkile enterè a, sèvi avèk miltiplikasyon to a pa montan ou dwe nan finisman jounen an. Apre sa yo ajoute montan enterè a sou balans lavèy la, sa ki vle di enterè a konpoze chak jou.

    Delè gras (Grace period)

    Delè gras la se peryòd ant finisman yon peryòd faktirasyon ak dat ou dwe fè peman w lan. Pandan tan sa a, yo gen dwa pa ajoute enterè sou ou depi ou peye tout balans ou a nèt disi dat echeyans la. Konpayi kat kredi yo pa oblije bay delè gras. Men, pifò kat kredi yo ofri delè gras sou acha.

    Li plis (ann anglè)

    To enterè (Interest rate)

    To enterè yon Kat kredi se pri ou peye a pou prete lajan an. Pou kat kredi, yo nòmalman bay to enterè yo sou fòm to pa ane, e yo rele sa to enterè ànyèl la (APR). Sou pifò kat yo, ou ka evite peye enterè sou acha si ou fin peye balans ou nèt chak mwa disi dat echeyans la.

    Òf kat kredi pou moun ki preseleksyone (Prescreened credit card offer)

    Yon òf kat kredi pou moun ki preseleksyone se lè konpayi kat kredi yo sèvi ak enfòmasyon yo jwenn nan men konpayi rapò sou kredi yo pou fè ou òf kredi fèm si antesedan ou nan zafè kredi respekte kondisyon ke konpayi kat la chwazi yo.

    Li plis (ann anglè)

    Itilizasyon san otorizasyon (Unauthorized use)

    Jeneralman, itilizasyon san otorizasyon se lè yon moun ki pa gen dwa sèvi ak yon kat kredi sèvi avèk li. Paregzanp, si ou pèdi kat ou a epi yon moun jwenn li epi sèvi avè l, sa ap yon itilizasyon san otorizasyon.

    Li plis (ann anglè)

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    Ankèt sou kredi (Credit inquiry)

    Yon ankèt sou kredi se yon demann gade dosye kredi ou, epi li jeneralman tonbe nan youn nan de (2) kalite.

    Li plis (ann anglè)

    Envizib nan zafè kredi (Credit invisible)

    An 2015, nou te pibliye yon rapò ki te jwenn gen 26 milyon Ameriken ki “envizib nan zafè kredi”. Chif sa a endike gen youn sou chak dis granmoun ki pa gen antesedan nan zafè kredi nan okenn nan twa konpayi evalyasyon kredi peyi an. Gen 19 milyon lòt konsomatè ki gen dosye kredi “yo pa ka evalye”, sa ki vle di dosye yo fèb e pa gen ase antesedan nan zafè kredi (9.9 milyon) oswa yo gen dosye rans ki manke antesedan resan nan zafè kredi (9.6 milyon). Ototal, gen 45 milyon konsomatè yo gen dwa refize bay kredi poutèt yo pa gen rapò sou kredi ki kapab evalye. Moun ki envizib nan zafè kredi oswa ke yo pa ka evalye jeneralman pa ka jwenn kredi bon kalite epi yo gen dwa fè fas a yon seri pwoblèm, depi nan eseye jwenn kredi rive nan lwe apatman.

    Sèvis siveyans kredi (Credit monitoring service)

    Yon sèvis siveyans kredi se yon sèvis komèsyal ki fè ou peye yon frè pou siveye rapò kredi ou yo epi avèti ou si gen chanjman nan kont ki sou rapò kredi w lan.

    Li plis (ann anglè)

    Rapò kredi (Credit report)

    Yon rapò kredi se yon relve ki gen enfòmasyon sou aktivite kredi ou ak sitiyasyon kredi ou kounye a tankou abitid ou nan remèt prè ak sitiyasyon kont kredi ou yo.

    Konpayi rapò kredi (Credit reporting company)

    Konpayi rapò kredi yo, yo rele yo tou ajans evalyasyon kredi oswa ajans ransèyman sou konsomatè, se konpayi ki rasanble epi vann rapò kredi.

    Nòt kredi (Credit score)

    Yon nòt kredi predi chans ou pou w remèt yon prè alè. Konpayi yo sèvi ak yon fòmil matematik—yo rele li modèl pwentaj—pou kreye nòt kredi ou apati de enfòmasyon ki nan rapò kredi w lan. Li enpòtan pou w konnen ou pa gen “yon sèl” nòt kredi e gen anpil nòt kredi ki disponib pou ou ak pou pretè yo. Chak nòt kredi depann de done yo itilize yo pou kalkile li, epi li gen dwa diferan selon modèl pwentaj la, sous antesedan ou nan zafè kredi, kalite pwodwiprè a, epi menm jou yo te kalkile li an.

    Lwa sou Rapò Kredi San Patipri (Fair Credit Reporting Act)

    Lwa federal sou Rapò Kredi San Patipri an (FCRA) favorize enfòmasyon kòrèk, san patipri, ak konfidansyèl nan dosye ajans ransèyman sou konsomatè yo. Gen plizyè kalite ajans ransèyman sou konsomatè, sa gen ladan ajans evalyasyon kredi ak ajans espesyalize (tankou ajans ki vann enfòmasyon sou abitid nan ekri chèk, dosye medikal, ak dosye sou abitid nan zafè lokasyon). Jwenn plis enfòmasyon sou dwa prensipal ou yo dapre FCRA a .

    Nòt FICO (FICO score)

    Yon nòt FICO® se yon mak nòt kredi an patikilye.

    Li plis (ann anglè)

    Alèt fwòd (Fraud alert)

    Yon alèt fwòd egzije pou kreyansye yo gade rapò kredi ou pou pran mezi pou verifye idantite ou anvan yo kite ou ouvè yon nouvo kont, resevwa yon nouvo kat, oswa ogmante limit kredi ou sou yon kont ou te deja genyen baze sou yon demann ou fè kòm konsomatè. Lè ou mete yon alèt fwòd sou rapò kredi ou nan youn nan konpayi rapò kredi peyi an, li dwe mete lòt yo okouran. Gen de (2) kalite alèt fwòd prensipal: alèt fwòd inisyal ak alèt pwolonje.


    Rapò sou kredi gratis (Free credit report)

    Ou gen dwa pou w mande yon kopi gratis rapò sou kredi w lan chak ane nan men chak nan twa gwo konpayi rapò sou kredi konsomatè yo (Equifax, Experian ak TransUnion); pou fè sa, ale sou AnnualCreditReport.com . Lè ou ale sou AnnualCreditReport.com , ou gen dwa wè etap yo pou gade dènye rapò sou kredi ou yo gratis, sou entènèt. Lè ou fin resevwa rapò sou kredi gratis ànyèl ou a, ou ka toujou mande lòt rapò anplis. Dapre lalwa, yon konpayi rapò sou kredi pa gen dwa mande peye plis pase $14.50 pou yon rapò sou kredi.

    Li plis sou sa (ann anglè)


    Siveyans idantite oswa pwoteksyon kont vòl idantite (Identity monitoring or identity theft proection)

    Sèvis pwoteksyon kont vòl idantite yo siveye enfòmasyon ki pèmèt idantifye moun nan demann kredi, dosye piblik, sit entènèt, ak lòt kote pou wè si gen aktivite ki pa nòmal ki ta ka endike vòl idantite.

    Li plis (ann anglè)

    Vòl idantite (Identity theft)

    Gen vòl idantite lè yon moun vòlè idantite ou pou komèt fwòd. Vòlè idantite ou ta ka vle di sèvi ak enfòmasyon pèsonèl ou san otorizasyon ou, tankou:

    • Non ou
    • Nimewo Sekirite Sosyal ou
    • Nimewo kat kredi ou

    Alèt pou militè ki nan sèvis aktif (Military active duty alert)

    Militè yo (tankou manm Marin, Lame, Lamarin, Fòs Ayeryèn, ak Gadkòt) ka mande yon alèt sèvis aktif. Lè ou mete yon alèt sèvis aktif sou rapò kredi ou, kreyansye yo dwe pran mezi rezonab pou verifye moun k ap fè demann nan se ou toutbon anvan yo kite ou ouvè yon nouvo kont, resevwa yon nouvo kat kredi pou yon kont ou te deja genyen, oswa ogmante limit kredi ou sou kont ou te deja genyen an. Alèt sèvis aktif yo dire 12 mwa. Y ap wete non ou tou nan lis maketin preseleksyone konpayi rapò kredi yo toupatou peyi an pou òf kredi ak asirans pandan de (2) ane.

    Rekouvreman ki peye (Paid collection)

    Yon rekouvreman ki peye se yon kont ki t ale nan rekouvreman poutèt li pa t peye epi apre sa yo te peye li.

    Li plis (ann anglè)

    Entèdiksyon sekirite (Security freeze)

    Yon “entèdiksyon aksè a rapò kredi” sou rapò kredi ou anpeche pou nouvo kreyansye ale nan dosye kredi ou epi pou lòt moun ouvè kont sou non ou, jiskaske ou leve entèdiksyon an. Poutèt pifò biznis yo p ap ouvè kont kredi san yo pa verifye rapò kredi ou, yon entèdiksyon ka anpeche vòlè idantite ouvè nouvo kont sou non ou.

    Konpayi ransèyman sou konsomatè espesyalize (Specialty consumer reporting company)

    Konpayi ransèyman sou konsomatè espesyalize yo ranmase epi bay enfòmasyon sou antesedan ou nan zafè travay, antesedan tranzaksyon ou avèk yon biznis oswa abitid ou nan remèt prè pou yon pwodui oswa sèvis an patikilye.

    Rapò evalyasyon lokatè (Tenant screening report)

    Yon rapò mèt kay yo itilize pou ede yo pran desizyon sou lokatè posib. Yon rapò evalyasyon lokatè gen dwa gen ladan enfòmasyon ki soti nan plizyè sous, sa gen ladan antesedan ou nan zafè lokasyon ak rapò kredi ou.

    Li plis (ann anglè)

    Dosye kredi fèb / Absans dosye kredi (Thin credit file / No credit file)

    Yon dosye kredi fèb oswa yon absans dosye kredi vle di yon moun pa gen anteseda nan zafè kredi oswa li pa gen ase antesedan nan zafè kredi kounye a pou pwodui yon nòt kredi. Gade: Envizib nan zafè kredi

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    Konseye nan zafè kredi (Credit counselor)

    Konseye nan zafè kredi yo ka ede nan bagay sa yo:

    • Ba ou konsèy pou jere lajan ak dèt ou
    • Ede ou elabore yon bidjè
    • Yo nòmalman ofri dokiman ak atelye edikatif gratis
    • Abityèlman, konseye nan zafè kredi yo sètifye ak fòme nan domèn kredi konsomatè, jesyon lajan ak dèt, ak bidjè. Konseye yo ap fè chita pale avè w sou sitiyasyon finansye w la annantye, epi y ap ede ou elabore yon plan pèsonalize pou rezoud pwoblèm lajan ou yo. 

    Règ rekouvreman dèt (Debt Collection Rule)

    CFPB te pibliye “règ” ki an vigè depi 30 novanm 2021 ki eksplike pi klè ak entèprete Lwa federal sou Pratik Rekouvreman Dèt San Patipri FDCPA).

    Li plis (ann anglè) 

    Pèseptè dèt (Debt collector)

    Dapre Lwa federal sou Pratik Rekouvreman Dèt San Patipri an, yon pèseptè dèt se jeneralman yon moun oswa yon konpayi ki regilyèman kolekte dèt yon moun dwe yon lòt moun, nòmalman lè dèt sa yo pa peye.

    Pami pèseptè dèt yo gen ajans rekouvreman oswa avoka ki kolekte dèt nan kad biznis yo. Epitou gen konpayi ki achte dèt ki pa peye nan men kreyansye oswa lòt biznis epi k ap eseye kolekte yo. Yo rele pèseptè dèt sa yo tou ajans rekouvreman dèt, konpayi rekouvreman dèt, oswa achtè dèt. 

    Sèvis règleman (sekou pou) dèt (Debt settlement (relief) services)

    Konpayi règleman dèt yo se konpayi ki di yo ka renegosye, regle, oswa yon sèten fason chanje kondisyon dèt yon moun anvè yon kreyansye oswa pèseptè dèt. Lè w annafè ak konpayi règleman dèt sa ka gen risk ladan.

    Li plis (ann anglè) 

    Lwa sou Pratik Rekouvreman Dèt San Patipri FDCPA) (Fair Debt Collection Practices Act (FDCPA))

    Lwa sou Pratik Rekouvreman Dèt San Patipri an (FDCPA) se lwa federal prensipal ki kontwole pratik rekouvreman dèt yo. FDCPA a entèdi pou konpayi rekouvreman dèt yo sèvi ak pratik abizan, enjis oswa twonpè pou kolekte dèt nan men ou. Li plis (ann anglè) enfòmasyon sou dwa ou yo dapre FDCPA a. 

    Sezi (Garnishment)

    Yon sezi salè oswa kont labank se lè yon kreyansye pran yon pòsyon nan chèk salè ou oswa lajan nan kont labank ou pou kolekte lajan ou dwe. Sezi nòmalman bezwen yon lòd tribinal yo bay nan kad yon jijman. Men, gen sèten dèt ou dwe gouvènman an ki gen dwa lakòz sezi tou, menm san jijman.

    Lwa eta ak federal yo gen limit oswa “egzansyon” ki valab pou sezi kont labank ak salè, abityèlman pou w ka rete yon ti bagay pou viv. Se yon vyolasyon Lwa sou Pratik Rekouvreman Dèt san Patipri an (FDCPA) tou lè yon pèseptè dèt menase ou dèske y ap sezi salè ou si yo pa ka sezi salè ou legalman. 

    Lè yon pèseptè dèt ap tizonnen ou (Harassment by a debt collector)

    Lwa sou Pratik Rekouvreman Dèt San Patipri an (FDCPA) di pèseptè dèt yo pa kapab ni tizonnen, ni peze kou, ni abize ni ou ni pèsonn lòt yo kontakte.

    Yon pèseptè dèt ka tizonnen sou diferan fòm. Kòm egzanp gen koutfil repete ki fèt pou anmède, abize, oswa tizonnen ou oswa nenpòt ki moun ki reponn telefòn nan; langaj obsèn oswa jouman; menas vyolans oswa move tretman; piblikasyon lis moun ki refize peye dèt yo (sa pa gen ladan rapòte enfòmasyon bay konpayi rapò kredi); epi rele ou san yo pa di ou kiyès yo ye. 

    Jijman (Judgment)

    Yon jijman se rezilta ofisyèl yon pwosè nan tribinal. Nan pwosè rekouvreman dèt, jij la gen dwa akòde kreyansye a oswa pèseptè dèt la yon jijman kont ou. Si ou pa reponn yon plent devan lajistis, w ap pèdi chans ou pou w defann tèt ou epi jijman an gen dwa fèt kont ou.

    Si yon moun asiyen ou, oswa si yon moun jwenn yon jijman kont ou epi ou pa fin sèten sa pou w fè, pale ak yon avoka. Gen avoka ki gen dwa ofri sèvis gratis oswa mande yon frè redui. Gen dwa gen biwo èd jiridik tou oswa klinik jiridik nan zòn ou an k ap ofri sèvis yo gratis si ou respekte sèten kondisyon. Militè yo dwe konsilte biwo JAG ki pi pre yo a . 

    Mesaj ki gen Kontni Limite (Limited-Content Message)

    Dapre Règ Rekouvreman Dèt la, se yon mesaj vokal pou yon konsomatè ki dwe gen sèten enfòmasyon obligatwa e ki gen dwa gen lòt kontni ki pa obligatwa.

    Li plis (ann anglè) 

    Premye kreyansye a (Original creditor)

    An jeneral, premye kreyansye a se konpayi ki te ba ou prè a oswa kredi an. Yon premye kreyansye gen dwa eseye kolekte yon kont kredi ki pa peye li menm, oswa li gen dwa anboche yon pèseptè dèt. Premye kreyansye a gen dwa vann yon pèseptè dèt kont kredi w lan. Yon pèseptè dèt se jeneralman yon tyès pati yo anboche espesyalman pou kolekte sou kont ou, oswa yon moun ki achte li nan men premye kreyansye a oswa yon lòt pèseptè dèt oswa achtè dèt. 

    Delè pou rele moun devan lajistis (Statute of limitations)

    Delè pou rele moun devan lajistis la se peryòd limite kreyansye yo oswa pèseptè dèt yo genyen pou entante pwosè pou kolekte yon dèt. Pifò delè pou rele lajistis yo tonbe nan entèval twa a sis ane a, men nan kèk jiridiksyon yo gen dwa pi long. Delè pou rele moun devan lajistis yo gen dwa varye dapre lwa eta a, kalite dèt ou genyen an, oswa lwa eta yo nonmen nan kontra kredi w lan. 

    Nòt Validasyon (Validation Notice)

    Yon pèseptè dèt oblije bay sèten enfòmasyon lè l ap kominike ak yon konsomatè pou premye fwa, oswa touswit apre sa. Lè pèseptè dèt la ba ou enfòmasyon obligatwa sa yo elektwonikman oswa alekri, yo rele sa nòt validasyon

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    Fraud and scams key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè fwòd ak eskwokri

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    Eksplwatasyon finansye granmoun aje (Elder financial exploitation)

    Eksplwatasyon finansye granmoun aje se itilizasyon ilegal oswa move itilizasyon fon, pwopriyete, oswa byen yon granmoun aje. Se konsa yo pi souvan abize granmoun aje, men se sèlman yon ti fraksyon ensidan yo ke yo rapòte.

    Moun ki komèt zak la ka etranje ki vin genyen konfyans granmoun aje yo, men yo ka manm fanmi oswa zanmi tou. Li enpòtan pou konn siyal avètisman yo.

    Li plis (ann anglè).

    Eskwokri sekou nan zafè sezi kay (Foreclosure relief scam)

    Eskwokri sekou nan zafè sezi kay ak modifikasyon prè pou achte kay yo se konplo pou pran lajan ou oswa kay ou—souvan sou fo pwomès y ap delivre ou anba sezi kay la. Moun malonèt yo gen dwa mande lajan davans epi di yo garanti yo kapab fè chanje kondisyon prè pou achte kay ou a. Si ou gen pwoblèm fè peman sou prè pou achte kay, yon ajans konsèy nan zafè lojman ke HUD apwouve kapab montre ou ki opsyon ou genyen gratis.

    Alèt fwòd pou prevansyon (Fraud alert for prevention)

    Yon alèt fwòd se yon bagay ou kapab itilize pou redwi chans pou w viktim vòl idantite kote vòlè a ouvè yon nouvo kont. Li egzije pou kreyansye yo gade rapò kredi ou pou pran mezi pou verifye idantite ou anvan yo kite ou ouvè yon nouvo kont, resevwa yon nouvo kat, oswa ogmante limit kredi ou sou yon kont ou te deja genyen. Lè ou mete yon alèt fwòd sou rapò kredi ou nan youn nan rapò kredi konpayi nan tout peyi a, konpayi an dwe mete lòt yo okouran.

    Gen de (2) kalite alèt fwòd prensipal: alèt fwòd inisyal ak alèt pwolonje. Militè yo gen yon lòt opsyon anplis ki disponib pou yo—alèt sèvis aktif, ki bay manm fòs ame yo pwoteksyon pandan yo nan sèvis aktif.

    Li plis (ann anglè).

    Fwòd fidisyè (Fraud by fiduciaries)

    Yon fidisyè se yon moun k ap jere lajan oswa pwopriyete yon lòt moun. Paregzanp, reprezantan ki gen manda ak gadyen ke tribinal nonmen se fidisyè.

    Lè yo nonmen ou kòm fidisyè, ou oblije dapre lalwa pou w jere lajan ak pwopriyete moun lan nan enterè pa li, pa nan enterè pa ou. Lè yon fidisyè depanse lajan an nan pwòp enterè pa li, sa gen dwa fwòd.

    Vòl idantite (Identity theft)

    Vòl idantite se lè yon moun vòlè idantite ou pou komèt fwòd.

    Lè yo vòlè idantite ou sa ta ka vle di yo sèvi ak enfòmasyon pèsonèl ou san otorizasyon ou, tankou non ou, nimewo Sekirite Sosyal ou, enfòmasyon kont labank ou, oswa nimewo kat kredi ou. Komisyon Federal Komès la (Federal Trade Commission) ofri enfòmasyon sou prevansyon vòl idantite ak jan pou reyaji lè sa rive.

    Eskwokri twonpè (Imposter scams)

    Moun malonèt twonpè yo ap eseye lolo ou pou w voye lajan nan fè ou konprann yo se yon moun ou konnen oswa fè konfyans tankou yon cherif, yon anplwaye gouvènman lokal, eta, oswa federal, oswa yon òganizasyon byenfezans. Sonje, idantifikasyon nimewo k ap rele a ka fo. Ou ka toujou rele òganizasyon oswa ajans gouvènman an epi mande si moun nan ap travay pou yo anvan ou bay lajan.

    Fwòd pa korespondans (Mail fraud)

    Lèt fwòd pa korespondans yo parèt vre men pwomès yo fo. Yon siyal avètisman ou ka wè souvan se yon lèt k ap mande ou voye lajan oswa enfòmasyon pèsonèl kounye a pou jwenn yon bagay enpòtan lè ou fin voye lajan oswa enfòmasyon yo.

    Pyèj (Phishing)

    Nan pyèj la, yon moun malonèt fè kòm si li se yon biznis oswa yon sèten moun pou twonpe ou pou fè ou bay enfòmasyon pèsonèl ou, tankou modepas, nimewo kat kredi, oswa enfòmasyon kont labank. Yon moun malonèt gen dwa sèvi ak imèl, tèks, oswa sit entènèt ilisit pou vòlè enfòmasyon sa yo nan men ou. Imèl sa yo ka parèt otantik.

    Entèdiksyon aksè nan sekirite kredi pou prevansyon (Security freeze for prevention)

    Yon entèdiksyon aksè nan sekirite kredi anpeche pou nouvo kreyansye ale nan dosye kredi ou epi pou lòt moun ouvè kont ki egzije verifikasyon kredi sou non ou, jiskaske ou leve entèdiksyon an.

    Poutèt pifò biznis yo p ap ouvè kont kredi san yo pa verifye rapò kredi ou, yon entèdiksyon ka anpeche vòlè idantite ouvè nouvo kont sou non ou. Sonje yon entèdiksyon pa anpeche vòlè idantite yo pran kontwòl kont ou te deja genyen.

    Li plis (ann anglè).

    Mistifikasyon (Spoofing)

    Mistifikasyon se lè yon moun k ap rele ou degize enfòmasyon ki parèt sou idantifikasyon nimewo k ap rele w la. Sa bay moun k ap rele a kapasite degize oswa “imite” non ak/oswa nimewo ki parèt la pou fè kòm si se yon sèten moun k ap rele apati de yon sèten kote.

    Fil oswa fwòd transfè lajan (Wire or money transfer fraud)

    Gen moun malonèt ki twonpe ou pou fè ou transfere lajan pou yo vòlè ou. Yon egzanp fwòd transfè lajan ki rive souvan se “eskwokri granparan” an. Se lè yon moun malonèt ki fè kòm si li se yon pitit-pitit ou oswa zanmi pitit-pitit ou rele ou epi di ou li nan peyi etranje, oswa nan yon pwoblèm kèlkonk, e li bezwen pou w transfere oswa voye lajan pou li touswit.

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    How to avoid foreclosure (in Haitian Creole)
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    Kijan pou evite yo sezi kay ou

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    Bagay ki pi enpòtan ou ka fè lè ou gen pwoblèm fè peman sou lajan ou te prete pou achte kay ou a se pran kontwòl. Nan pifò kay yo, bagay ki pi mal ou ka fè se pa fè anyen. Pran kontwòl vle di fè kat bagay:

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    1. Fè oswa pran yon apèl pou yo ede ou

    Pran kontwòl nan aksepte apèl nan men konpayi k ap jere peman prè pou achte kay ou a. Sa ki pi bon toujou, rele konpayi an osito w konnen ou pa ka fè peman mansyèl ou a. W ap jwenn nimewo telefòn nan sou bòdwo ou resevwa chak mwa a. Di konpayi k ap jere peman prè pou achte kay ou a poukisa ou pa ka fè peman mansyèl ou a epi mande konpayi an pou li ede ou evite yo sezi kay ou.

    2. Mande èd gratis nan men espesyalis

    Konpayi k ap jere prè pou achte kay ou a gen dwa kapab ede ou si ou vin gen pwoblèm fè peman sou prè w lan. Si ou pa ka jwenn sa ou bezwen an nan men konpayi k ap jere prè pou achte kay ou a, mande èd nan men yon espesyalis ajans konsèy sou lojman ki toupre ou. Konseye yo ka elabore yon plan daksyon sou mezi ou epi ede ou travay ak konpayi prè pou achte kay ou a. Vizite consumerfinance.gov/mortgagehelp oswa rele (800) 569-4287 epi tape kòd postal ou, pou jwenn yon konseye nan zafè lojman HUD apwouve.

    3. Evite eskwokri

    Eskwo yo eseye pwofite de mèt kay ki gen pwoblèm, nan mande yo peye yon pakèt lajan— menm plizyè milye dola—pou fo pwomès ke y ap ede yo. Ou pa ta dwe gen pou peye pèsonn pou ede ou evite yo sezi kay ou. Èd ou bezwen an dwe disponib gratis nan men konpayi k ap jere prè pou achte kay ou a, oswa nan men yon ajans konsèy nan zafè lojman HUD apwouve.

    4. Fè demann pou èd

    Konpayi k ap jere prè pou achte kay ou a dwe kontakte ou, ba ou enfòmasyon kòrèk, epi pale ou de opsyon limitasyon pèt ou gen dwa kalifye pou yo. Limitasyon pèt la se fason konpayi k ap jere prè pou achte kay ou a ka travay avè w pou evite yo sezi kay ou. Si ou voye yon demann konplè bay konpayi k ap jere prè pou achte kay ou a byen bonè, konpayi an oblije di ou ki opsyon ou genyen pou kenbe kay ou, oswa si sa gen plis sans pou w kite lakay ou.

    Konseye nan zafè lojman yo gen anpil eksperyans nan ede moun travay sou evite yo sezi kay yo. Yo ka ede ou nan etap konplike yo pou konprann opsyon ou genyen yo epi pou fè demann pou èd.

    Konpayi k ap jere prè pou achte kay ou a pa ka ni voye premye avi ni mande sezi kay ou toutotan ou pa gen plis pase 120 jou reta nan peman ou yo. Anplis de sa, lè ou soumèt yon demann konplè èd pou prè pou achte kay byen bonè, konpayi k ap jere prè pou achte kay la pa ka kòmanse pwosesis sezi kay la pandan y ap evalye ou oswa si w ap respekte kondisyon yon modifikasyon prè. Donk fè sa sa san pèdi tan. Plis ou ranpli demann nan bonè, plis w ap jwenn pwoteksyon.

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    Kijan pou rekonèt yon eskwokri nan zafè sezi kay

    Eskwo nan zafè sezi kay yo gen dwa di ou y ap sove ou anba sezi kay, alòske se lajan ou y ap annik pran.

    Fè atansyon ak siyal eskwokri sa yo:

    • Yo mande ou peye alavans pou yo ede ou.
    • Konpayi an garanti l ap fè chanje kondisyon prè pou achte kay ou a.
    • Konpayi an garanti ou p ap pèdi kay ou.
    • Yo mande ou siyen tit kay ou a ba yo oswa pou w siyen lòt dokiman ou pa konprann.
    • Yo di ou voye peman ou yo bay yon moun ki pa ni konpayi prè pou achte kay ou a ni konpayi k ap jere prè pou achte kay ou a.
    • Konpayi an ofri fè yon “odit jidisyè.”
    • Yo di ou sispann peye prè pou achte kay ou a.
    • Konpayi an di li afilye ak gouvènman an, oswa li sèvi ak yon logo ki sanble so gouvènman men ki yon ti jan diferan.
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    Depoze plent pou yon pwodwi oswa sèvis finansye

    Chak semèn nou voye plis pase 10,000 plent sou pwodwi ak sèvis finansye pou konpayi yo reponn. Si se yon lòt ajans k ap pi byen ka ede ou, n ap voye plent ou a ba li epi fè ou konn sa. Pifò konpayi yo reponn nan yon delè 15 jou.

    • Sou entènèt (an Anglè)
    • Oswa nan telefòn nan (855) 411-2372 pou w jwenn èd nan lang kreyòl ayisyen, ak 180 lòt lang. Yo nòmalman reponn koutfil yo anvan 1 minit pase. Y ap tradwi plent ou nan lang anglè epi voye li pou konpayi an reponn. Lè konpayi an reponn, li nòmalman fè sa nan lang anglè, men ou ka rele nou pou tande yon repons tradwi.
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    Mo pi enpòtan yo nan zafè prè pou achte kay

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    Prè ipotekè ak to varyab 5/1 (5/1 Adjustable Rate Mortgage)

    Yon prè ipotekè ak to varyab (ARM) 5/1 oswa ARM 5 ane se yon prè pou achte kay kote “5” se kantite ane to enterè inisyal ou a ap rete fiks. “1” an reprezante chak konbyen tan to enterè w lan ap ajiste lè peryòd senk ane inisyal la fini. Peryòd fiks yo itilize pi souvan yo se 3, 5, 7, ak 10 ane epi “1”, se peryòd ajisteman yo itilize pi souvan an. Li enpòtan pou w byen li kontra a epi poze kesyon si w ap reflechi sou pran yon ARM.

    Jwenn plis enfòmasyon sou kijan to varyab yo chanje. 



    Règ sou kapasite pou repeye (Ability-to-repay rule)

    Règ sou kapasite pou repeye se detèminasyon rezonab ak an bònfwa ke ou kapab remèt prè a ke pifò etablisman prè imobilye yo oblije fè.

    Li plis (ann anglè) 



    Prè Ipotekè ak To Varyab (ARM) (Adjustable Rate Mortgage (ARM))

    Yon prè ipotekè ak to varyab (ARM) se yon kalite prè kote to enterè a ka chanje, nòmalman an relasyon ak yon to enterè endekse. Peman mansyèl ou a ap monte oswa bese yon fason ki depann de peryòd preliminè prè a, de plafon yo pou to a, ak de to enterè endekse a. Avèk yon ARM, to enterè a ak peman mansyèl la gen dwa kòmanse pi ba pase avèk yon prè ipotekè ak to fiks, men ni to enterè a ni peman mansyèl la ka ogmante anpil.

    Jwenn plis enfòmasyon sou kijan ARM yo mache ak sa pou w konsidere. 



    Amòtisman (Amortization)

    Amòtisman vle di fin peye yon prè avèk letan gras a peman regilye, pou montan ou dwe a ka bese avèk chak peman. Pifò prè pou kay yo amòti, men gen prè ipotekè ki pa fin amòti nèt, sa ki vle di ou toujou dwe lajan lè ou fin fè tout peman ou yo.

    Gen prè pou kay ki pèmèt peman ki kouvri sèlman montan enterè ou dwe a, oswa yon montan ki pi ba pase enterè ou dwe a. Si peman yo pi ba pase montan enterè ou dwe a chak mwa, balans prè ipotekè a ap ogmante olye pou li bese. Sa rele amòtisman negatif. Lòt pwogram prè ki pa fin amòti nèt pandan prè a gen dwa egzije ou peye kalanmplanm yon gwo dènye montan pi wo nan finisman peryòd prè a. Ou dwe konnen ki kalite prè w ap resevwa.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Montan ki finanse a (Amount financed)

    Sa vle di montan lajan pretè a ap prete w la, mwens frè davans pretè a ap fè ou peye yo.

    Li plis (ann anglè) 



    Revni pa ane (Annual income)

    Revni pa ane a se yon faktè nan demann prè pou achte kay e li jeneralman vle di revni total ou fè anvan taks pandan yon ane. Revni pa ane a gen dwa gen ladan revni ki soti nan travay a plentan oswa a tan pasyèl, nan travay pou tèt ou, nan poubwa, nan komisyon, nan ovètaym, nan boni, oswa nan lòt sous. Pretè a ap sèvi ak enfòmasyon sou revni pa ane ou epi ak dèt ou deja genyen pou peye chak mwa yo pou detèmine si ou gen kapasite remèt prè a.

    Èske wi ou non yon pretè ap konte sou yon sous oswa montan revni an patikilye lè l ap konsidere ou pou yon prè ap souvan depann de si wi ou non ou ka avèk rezon atann ou aske revni an kontinye.

    Jwenn plis enfòmasyon sou rezon ki fè kapasite ou pou remèt lajan an enpòtan pou pretè yo. 



    To enterè anyèl (APR) la (Annual Percentage Rate (APR))

    To enterè anyèl (APR) la se yon mezi pi jeneral depans ou fè pou yo prete ou lajan pase to enterè a. APR la reflete to enterè a, tout pwen, frè koutye prè pou achte kay, ak lòt frè ou peye pou yo ba ou prè a. Poutèt sa, APR ou a nòmalman pi wo pase to enterè w lan.

    Aprann kijan pou konpare APR yo 



    Frè evalyasyon (Appraisal fee)

    Frè evalyasyon an se pri evalyasyon yon kay ou gen lentansyon achte oswa ki deja pou ou. Evalyasyon yon kay bay yon estimasyon endepandan valè pwopriyete a. Nan pifò ka yo, se pretè w lan k ap responsab chwazi evalyatè a ak tout depans pou sa yo.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Peman otomatik (Automatic payment)

    Peman otomatiik yo kite ou tabli peman regilye sou prè pou achte kay ou a nan bank ou. Peman otomatik yo ka yon fason fasil pou sèten ou fè peman ou yo alè. 



    Finansman balon (Balloon loan)

    Pou prè pou achte kay, yon finansman balon vle di prè a gen yon peman pi wo pase lòt yo w ap fè yon sèl fwa, nòmalman lè echeyans prè a rive. Peman sa a w ap fè yon sèl fwa a rele “peman balon”, e li pi wo pase lòt peman ou yo, pafwa pi wo lontan. Si ou pa ka peye montan balon an, ou gen dwa oblije refinanse, vann kay ou a, oswa fè fas a sezi.

    Jwenn enfòmasyon sou rezon ki fè finansman balon yo ta ka gen risk ladan yo. 



    Peman chak de (2) semèn (Bi-weekly payment)

    Nan yon plan peman chak de (2) semèn, konpayi k ap jere peman prè pou achte kay la ap kolekte mwatye peman mansyèl ou a chak de (2) semèn, sa k ap bay 26 peman pandan ane a (ap gen yon peman mansyèl anplis chak ane). Lè ou fè peman anplis epi fè peman ou yo sèvi pou peye kapital la, ou gen dwa kapab fin peye prè ou a bonè. Anvan ou chwazi yon peman chak de (2) semèn, pa bliye gade kondisyon prè w lan pou konnen si w ap gen pou peye penalite poutèt peman davans si ou fè sa. Verifye pou wè si konpayi k ap jere peman prè w la fè peye frè pou plan peman chak de (2) semèn. Ou gen dwa kapab kapab akonpli menm bi an san frè a si ou fè yon peman mansyèl anplis sou prè pou achte kay ou a chak ane. 



    Dokiman enfòmasyon sou kloti vant (Closing Disclosure)

    Dokiman Enfòmasyon Kloti Vant Kay la se yon fòmilè obligatwa ki gen senk paj ki bay detay final yo sou prè pou achte kay ou chwazi an. Li gen ladan kondisyon prè a, peman mansyèl yo prevwa w ap gen pou fè yo, ak kantite w ap peye nan frè ak lòt depans pou jwenn prè pou achte kay ou a.

    Aprann kijan pou w byen verifye tout detay yo sou prè w lan kòrèk sou dokiman enfòmasyon kloti vant kay la. 



    Prè pou konstriksyon (Construction loan)

    Yon prè pou konstriksyon se nòmalman yon prè akoutèm ki pote fon pou kouvri depans pou bati oswa pou reyabilite yon kay.

    Li plis (ann anglè) 



    Prè òdinè (Conventional loan)

    Yon prè òdinè se yon prè pou achte kay gouvènman an (tankou nan kad pwogram prè Administrasyon Federal Lojman an (Federal Housing Administration), Depatman Afè Ansyen Konbatan an (Department of Veterans Affairs), oswa Depatman Agrikilti an (Department of Agriculture)) pa ni asire ni garanti.

    Jwenn plis enfòmasyon sou prè òdinè ak lòt kalite prè. 



    Kosiyatè oswa ko-anprentè (Co-signer or co-borrower)

    Yon kosiyatè oswa ko-anprentè se yon moun ki dakò pran responsabilite total remèt yon prè pou achte kay avè w. Moun nan gen obligasyon peye tout peman ou rate epi menm montan total prè a si ou pa peye. Gen pwogram prè pou achte kay ki wè kosiyatè a kòm yon moun ki pa sou tit la epi ki pa gen okenn enterè pwopriyetè nan kay ki achte gras a prè a. Lè ou gen yon kosiyatè oswa yon ko-anprentè sou prè pou achte kay ou a sa bay pretè w la asirans anplis ke prè a ap remèt. Men w ap mete dosye kredi ak finans kosiyatè oswa ko-anprentè w la an danje si ou pa remèt prè a.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Istwa krezi (Credit history)

    Istwa kredi se yon dosye sou kont kredi ou yo ak abitid ou nan zafè peye alè jan sa parèt nan rapò kredi ou. Ajans ransèyman sou konsomatè yo, yo rele yo tou konpayi rapò kredi, kolekte epi mete ajou enfòmasyon sou dosye kredi ou epi bay lòt biznis yo, pou biznis sa yo ka sèvi avèk yo pou pran desizyon sou ou. Rapò kredi yo gen enfòmasyon sou aktivite kredi ou ak sitiyasyon kredi ou kounye a tankou abitid ou nan peye prè ak eta kont kredi ou yo.

    Jwenn plis enfòmasyon sou verifikasyon antesedan ou nan zafè kredi anvan ou achte yon kay. 



    Rapò kredi (Credit report)

    Yon rapò kredi se yon relve ki gen enfòmasyon sou aktivite kredi ou ak sitiyasyon kredi ou kounye a tankou abitid ou nan peye prè ak eta kont kredi ou yo. Pretè yo sèvi ak nòt kredi ou ak enfòmasyon ki sou rapò kredi w lan pou detèmine si wi ou non ou kalifye pou yon prè epi ki to enterè pou yo ofri ou.

    Aprann kijan pou w jwenn kopi rapò kredi ou. 



    Nòt kredi (Credit score)

    Yon nòt kredi predi chans ou pou w remèt yon prè alè. Konpayi yo sèvi ak yon fòmil matematik—yo rele li modèl pwentaj—pou kreye nòt kredi ou apati de enfòmasyon ki nan rapò kredi w lan. Gen diferan modèl pwentaj, donk se pa yon sèl nòt kredi ou genyen. Chak nòt depann de antesedan ou nan zafè kredi, de kalite pwodui prè a, epi menm de jou yo te kalkile li an.

    Aprann ki kote ou ka jwenn nòt kredi ou. 



    Pousantaj andètman (Debt ratio)

    Pousantaj andètman-revni ou se tout peman dèt mansyèl ou yo divize pa revni mansyèl anvan taks ou. Chif sa a se yon fason pou pretè yo mezire kapasite ou pou w jere peman mansyèl yo pou remèt lajan ou gen lentansyon prete a.

    Aprann kijan pou kalkile rapò andètman-revni ou. 



    Tit pwopriyete olye de sezi (Deed-in-lieu of foreclosure)

    Yon tit pwopriyete olye de sezi se yon aranjman kote ou volontèman remèt kay ou bay pretè a pou evite pwosesis sezi an. Yon tit pwopriyete olye de sezi gen dwa ede ou evite vin pèsonèlman responsab montan ki rete sou prè pou achte kay la. Si ou rete nan yon eta kote ou responsab tout defisi, ki se diferans la ant valè pwopriyete w la ak montan ou dwe toujou a sou prè pou achte kay ou a, li t a bon pou w mande pretè w la renonse a defisi an. Si pretè a renonse a defisi an, fè li ba ou renonsyasyon an alekri epi kenbe li nan dosye ou. Yon tit olye de sezi se yon kalite limitasyon pèt. 



    Delenkan (Delinquent)

    Aryere se yon lòt mo pou di ou an reta nan peman w yo. Prè w lan ka vin delenkan lè ou rate yon peman oswa lè ou pa fè tout peman an disi echeyans la. Lè ou fin aryere pandan yon sèten tan, yon pretè oswa yon konpayi k ap jere peman prè gen dwa kòmanse pwosesis sezi kay la. Kantite tan an ka varye dapre eta a.

    Règ federal yo gen dwa aplike tou pou lè sezi kay la gen dwa kòmanse. Jwenn plis enfòmasyon sou opsyon ou genyen yo si ou pa ka peye prè pou achte kay ou a.



    Opsyon peyab imedyatman (Demand feature)

    Dokiman enfòmasyon sou kloti vant gen yon fraz ki di “Prè w la gen yon opsyon peyab imedyatman” ki make “wi” oswa “non”. Yon opsyon peyab imedyatman kite pretè a egzije pou w remèt prè a pi bonè.

    Li plis (ann anglè) 



    Akont (Down payment)

    Akont la se montan ou peye sou kay la davans. Ou peye yon pousantaj nan valè kay la epi ou fè yo prete ou rès la pase pa prè ipotekè w la. Jeneralman, plis akont ou peye a wo, plis to enterè w ap resevwa a ap ba epi plis w ap gen chans pou yo apwouve ou pou yon prè.

    Jwenn plis enfòmasyon sou kijan pou w detèmine akont ou a. 



    Pwogram oswa sibvansyon pou akont (Down payment programs or grants)

    Yon sibvansyon oswa pwogram pou akont nòmalman vle di èd yon òganizasyon tankou gouvènman an oswa yon ajans ki pa gen bi fè lajan, bay yon moun k ap achte kay pou ede li avèk akont pou achte kay la. Fon yo se gen dwa ladan lajan yo fè ou kado oubyen ou gen dwa oblije remèt yo, paregzanp si ou vann kay la.

    Konprann ki kote ou ka jwenn enfòmasyon sou pwogram ak sibvansyon pou akont. 



    Depo garanti (Earnest money)

    Depo garanti an se yon depo yon moun k ap achte kay peye pou montre bònfwa sou yon kontra siyen pou achte kay. Se yon vandè oswa yon tyès pati tankou yon koutye oswa yon konpayi tit ki kenbe depo a. Si vant kay la finalize oswa “klotire”, depo garanti an gen dwa sèvi ou peye depans kloti yo oswa akont la. Si kontra a anile poutèt yon rezon akseptab, y ap remèt achtè a depo garanti an. Si achtè a pa aji an bònfwa, yo gen dwa sezi depo garanti an epi peye vandè a avèk li.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Valè san dèt (Equity)

    Valè san dèt la se montan pwopriyete w la vo kounye a mwens montan tout prè ipotekè ki genyen sou pwopriyete w la.

    Aprann sa yo rele yon prè sou valè san dèt yon kay. 



    Avalwa (Escrow)

    Pretè ipotekè a ap tabli yon kont avalwa pou peye sèten depans ki gen pou wè ak pwopriyete a, tankou taks sou pwopriyete ak asirans mèt kay. Gen yon pòsyon nan peman mansyèl ou a ki prale nan kont la. Si ipotèk ou a pa gen kont avalwa, w ap peye depans ki gen pou wè ak pwopriyete a dirèkteman.

    Jwenn plis enfòmasyon sou ki konsekans avalwa a genyen sou peman mansyèl prè pou achte kay ou a. 



    Fannie Mae

    Asosyason Federal Nasyonal Prè Ipotekè a (Fannie Mae) achte epi garanti prè ipotekè nan men enstitisyon prè yo pou eseye fè prè yo vin pi bon mache. Fannie Mae se pa yon ajans federal. Se yon antrepriz ke gouvènman an parennen sou administrasyon jidisyè pwovizwa Ajans Federal pou Finansman Lojman an (FHFA).

    Jwenn plis enfòmasyon sou prè òdinè. 



    Frè pou finansman FHA a (FHA funding fee)

    Administrasyon Lojman Federal la (FHA) egzije yon frè pou finansman FHA ak yon prim asirans mansyèl (MIP) pou pifò nan pwogram pou kay endividyèl li yo. Prim asirans prè ipotekè sa a ke ou peye davans, yo rele li pafwa prim asirans prè ipotekè davans (UFMIP).

    Chèche konnen si yon prè FHA pou achte kay ap bon pou ou. 



    Prè FHA (FHA loan)

    Prè FHA yo se prè nan men pretè prive Administrasyon Lojman Federal la (FHA) kontwole ak asire. Prè FHA yo ka diferan de prè òdinè yo poutèt yo pèmèt nòt kredi pi ba ak akont ki ka desann jiska 3.5 pousan montan prè total la. Montan prè maksimòm yo varye dapre konte a.

    Jwenn enfòmasyon sou opsyon prè pou achte kay sa a ak lòt opsyon yo. 



    Limit prè ipotekè FHA yo (FHA mortgage limits)

    Limit prè ipotekè FHA yo se montan limit an dola yo pou prè pou achte kay ki kalifye yo ke FHA a pral asire nan kad pwogram prè pou achte kay endividyèl li an. Limit sa yo baze sou adrès epi yo gen dwa revize yo chak ane.

    Sèvi ak zouti FHA a pou gade limit prè yo nan konte w la . 



    Chaj finansye (Finance charge)

    Chaj finasye a se montan total enterè ak frè kredi ou t ap peye pandan tout dire prè pou achte kay la nèt.

    Li plis (ann anglè) 



    Pwogram prè pou moun k ap achte kay pou premye fwa (FTHB) (First-time home buyers (FTHB) loan programs)

    Moun k ap achte kay pou premye fwa (FTHB) gen dwa sèvi ak yon kantite diferan kalite pwogram prè pou achte premye kay yo a. Pami pwogram prè FTHB popilè yo gen pwogram FHA, VA, USDA, Fannie Mae, ak Freddie Mac ofri yo avèk akont ba. Gen pwogram ki defini yon FTHB kòm yon moun ki pa achte kay depi omwen twa ane.

    Konprann opsyon prè ou genyen yo. 



    Prè ipotekè ak to fiks (Fixed-rate mortgage)

    Yon prè ipotekè ak to fiks se yon kalite prè pou achte kay kote to enterè a fikse lè ou pran prè a e li p ap chanje pandan dire prè a.

    Jwenn plis enfòmasyon sou kijan prè ipotekè ak to fiks yo mache ak sou sa pou w konsidere. 



    Delè gras (Forbearance)

    Delè gras la se lè konpayi k ap jere prè pou achte kay ou a kite ou pwovizwaman peye prè w la a yon to pi ba oswa pwovizwaman sispann peye prè pou achte kay ou a. Konpayi k ap jere prè pou achte kay ou a gen dwa akòde ou delè gras si, pa egzanp, ou fèk pèdi djòb ou, ou viktim yon dezas, oswa ou soufri yon maladi oswa yon donmaj nan kò ou ki ogmante depans pou swen medikal ou. Delè gras la se yon kalite limitasyon pèt.

    Jwenn plis enfòmasyon sou delè gras pou peye prè pou achte kay

    Dapre kalite prè ou genyen an, gen dwa gen diferan opsyon delè gras. Ou dwe kontakte konpayi k ap jere prè pou achte kay ou a pou mande delè gras. Sonje w ap gen pou ratrape peman sa yo ou rate yo oswa peman redui sa yo lè peryòd delè gras ou a fini.



    Asirans pwoteksyon kolateral (Force-placed insurance)

    Konpayi k ap jere prè pou achte kay ou a gen dwa egzije pou w pran asirans pwoteksyon kolateral lè ou pa gen pwòp polis asirans pa ou oswa si pwòp polis pa w la pa respekte egzijans konpayi k ap jere prè w la. Asirans pwoteksyon kolateral nòmalman pwoteje pretè a sèlman, li pa pwoteje ou oumenm. Konpayi k ap jere prè pou achte kay la ap fè ou peye pou asirans la. Asirans pretè a nòmalman pi chè pase lè ou jwenn yon polis asirans poukont ou. 



    Sezi kay (Foreclosure)

    Sezi kay se lè pretè oswa konpayi k ap jere prè pou achte kay la repran pwopriyete a lè mèt kay la pa fè peman sou prè ipotekè a. Nan sèten eta, pretè a dwe al nan tribinal pou sezi pwopriyete w la (sezi jidisyè), men gen lòt eta ki pa egzije pwosesis nan tribinal (sezi non-jidisyè). Jeneralman, moun ki te pran prè a dwe resevwa avètisman si pretè a oswa konpayi k ap jere prè a kòmanse pwosedi sezi kay. Règ federal yo gen dwa aplike pou lè sezi kay la gen dwa kòmanse. Si w ap trakase poutèt sezi kay, jwenn enfòmasyon sou kijan pou jwenn èd. 



    Freddie Mac

    Kòporasyon Federal Prè pou Achte Kay la (Freddie Mac) se yon kòporasyon prive ki jwenn finansman nan men Kongrè a. Misyon li se favorize estabilite ak kapasite peye nan mache lojman an gras a acha prè ipotekè nan men bank yo ak lòt pretè. Kòporasyon an sou administrasyon jidisyè pwovizwa kounye a, sou direksyon Ajans Federal pou Finansman Lojman an (FHFA).

    Jwenn plis enfòmasyon sou prè òdinè. 



    Estimasyon an Bònfwa (Good Faith Estimate)

    Yon Estimasyon an Bònfwa (GFE) se yon fòmilè yon pretè dwe ba ou lè w ap mande yon prè ipotekè envèse. GFE a bay enfòmasyon debaz sou kondisyon òf prè ipotekè envèse a.

    Chèche konnen ki lè ou t ap resevwa yon Estimasyon an Bònfwa. 



    Frè enskripsyon nan rejis gouvènman (Government recording charges)

    Frè enskripsyon nan rejis gouvènman yo se frè ajans gouvènman eta ak lokal yo fè peye pou legalman anrejistre tit ou a, prè ipotekè w lan ak dokiman ki gen pou wè ak prè pou achte kay ou a.

    Li plis (ann anglè) 



    Prè ipotekè pi chè (Higher-priced mortgage loan)

    An jeneral, yon prè ipotekè pi chè se youn ki gen yon to enterè ànyèl, oswa APR, pi wo pase yon to referans ki rele To Òf Preferansyèl Mwayen.

    Li plis (ann anglè) 



    Frè HOA (HOA dues)

    Si w enterese nan achte yon kondominyòm, yon koperativ abitasyon, oswa yon kay nan yon lotisman iben oswa nan yon lòt kominote òganize ki gen sèvis pataje, ou nòmalman gen pou peye frè kondominyòm oswa frè Asosyasyon Mèt Kay (HOA). Frè sa yo varye anpil. W ap nòmalman peye frè kondominyòm oswa HOA yo separeman de peman prè pou achte kay ou a. Si ou pa peye frè sa yo, ou gen dwa fè fas a efò rekouvreman dèt nan men asosyasyon mèt kay la oswa menm a sezi kay.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Evalyasyon kay (Home appraisal)

    Yon evalyasyon se yon dokiman ekri ki montre yon opinyon sou valè yon pwopriyete. Evalyasyon an ba ou enfòmasyon itil sou pwopriyete a. Li dekri sa ki ba li valè e li gen dwa konpare li ak lòt pwopriyete ki nan katye a. Yon evalyasyon se yon estimasyon endepandan valè pwopriyete a.

    Jwenn plis enfòmasyon sou rezon ki fè evalyasyon yo enpòtan. 



    Liy valè kredi kay (HELOC) (Home equity line of credit (HELOC))

    Yon liy valè kredi kkay (HELOC) se yon liy kredi ki kite ou mande prete avèk valè san dèt kay ou a kòm garanti. Valè san dèt la se montan pwopriyete w la vo kounye a, mwens montan tout prè ipotekè ki genyen sou pwopriyete w la. Kontrèman a yon prè sou valè san dèt yon kay, HELOC yo nòmalman gen to enterè varyab. Pou pifò HELOC yo, w ap resevwa chèk espesyal oswa yon kat kredi, epi yo ka prete ou lajan pou yon tan presi apati de lè ou ouvè kont ou a. Peryòd sa a rele “peryòd tiray” la. Pandan “peryòd tiray” la, yo ka prete ou lajan, epi ou dwe fè peman minimòm yo. Lè “peryòd tiray” la fini, yo p ap prete ou lajan nan liy kredi w lan ankò. Lè “peryòd tiray” la fini ou gen dwa oblije fin peye tout balans ou an yon sèl kou oswa yo gen dwa kite ou remèt li sou yon sèten peryòd. Si ou pa kapab remèt HELOC la, pretè a ta ka sezi kay ou a. 



    Prè sou valè san dèt yon kay (Home equity loan)

    Yon prè sou valè san dèt yon kay (yo rele li pafwa yon HEL) kite ou mande prete lajan avèk valè san dèt kay ou a kòm garanti. Valè san dèt la se montan pwopriyete w la vo kounye a, mwens montan tout prè ipotekè ki genyen sou pwopriyete w la. W ap resevwa tout lajan prè sou valè san dèt kay la yon sèl kou. Yon prè sou valè san dèt yon kay nòmalman gen yon to enterè fiks – to a p ap chanje. Si ou pa kapab remèt HEL la, pretè a ta ka sezi kay ou a. 



    Enspeksyon kay (Home inspection)

    Enspeksyon yon kay souvan fè pati pwosesis achte kay la. Ou nòmalman gen dwa anboche yon enspektè kay pou li egzaminen yon pwopriyete epi montre pwen fò ak feblès li yo. Li souvan itil anpil pou teste sistèm estriktirèl ak mekanik yon kay, sa gen ladan chofaj, ayerasyon, è kondisyone, ak kouran elektrik.

    Aprann kijan pou planifye yon enspeksyon. 



    Asosyasyon pwopriyetè kay (HOA) (Homeowners’ Association (HOA))

    Yon asosyasyon mèt kay (HOA), nòmalman fòme pou jere depans tout mèt kay yo patisipe ladan yo tankou amenajman peyizaj ak lòt depans antretyen pou yon lotisman iben oswa yon lòt kominote òganize. HOA kondominyòm yo pran plis reponsabilite, sa gen ladan, pa egzanp, antretyen ale pou oto yo, estriktiti kominotè yo, ak twati yo.

    Jwenn plis enfòmasyon sou kijan HOA yo gen dwa parèt sou relve kont prè ipotekè w lan. 



    Asirans pwopriyetè kay (Homeowner's insurance)

    Asirans pwopriyetè kay la peye pou pèt ak dega nan pwopriyete w la si gen yon bagay enprevi ki rive, tankou dife oswa si vòlè kase kay la. Lè ou gen yon prè pou achte kay, pretè w la vle sèten pwopriyete w la gen pwoteksyon asirans. Se poutèt sa pretè yo jeneralman egzije prèv ou gen asirans mèt kay. Asirans mèt kay la se pa menm bagay ak asirans prè ipotekè a.
    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Pri dacha kay (Home purchase price)

    Pri dacha yon kay se montan achtè a ak vandè a mete yo dakò sou li an pou yo peye vandè a pou acha kay la.

    Jwenn plis enfòmasyon sou kijan pou jwenn kay ki bon pou ou a. 



    HUD

    Depatman Lojman ak Devlopman Iben an (HUD) se yon ajans gouvènman ki ede moun jwenn ak kenbe lojman bon mache ak bon kalite. Yo fòme ak parennen konseye nan zafè lojman toupatou nan peyi an. Yon ajans konsèy ki gen apwobasyon HUD ka ba ou konsèy sou acha kay pou ede ou konprann ak evalye opsyon ou genyen yo.

    Jwenn yon ajans konsèy ki gen apwobasyon HUD. 



    Relve règleman HUD-1 an (HUD-1 settlement statement)

    Relve Règleman HUD-1 an bay lis tout frè ak kredi pou achtè a ak vandè a nan yon règleman tranzaksyon imobilye, oswa tout frè ki nan yon refinansman prè ipotekè. W ap resevwa yon HUD-1 si ou te mande yon prè ipotekè envèse pou pi ta nan dat 3 oktòb 2015.

    Chèche konnen ki lè ou t ap resevwa yon HUD-1. 



    Endèks (Index)

    Endèks la se yon to enterè referans ki reflete kondisyon jeneral yo nan mache a. Endèks la chanje baze sou mache a. Chanjman nan endèks la, ansanm ak maj prè w lan, detèmine chanjman k ap genyen nan to enterè a pou yon prè ipotekè ak to varyab.

    Konprann ki wòl endèks la jwe nan to enterè a pou yon prè ipotekè ak to varyab. 



    Plafon ajisteman inisyal (Initial adjustment cap)

    Yon plafon ajisteman inisyal nòmalman asosye ak prè ipotekè ak to varyab (ARM). Plafon sa a detèmine a ki pwen to enterè a ka ogmante premye fwa li ajiste a lè peryòd to fiks la ekspire. Sa rive souvan pou plafon sa a swa de (2) swa senk pousan – sa ki vle di nan moman premye chanjman to a, nouvo to a pa ka pi wo ke de (2) (oswa senk) pwen pousantaj pase to inisyal ki te la pandan peryòd to fiks la.

    Konprann ki wòl endèks la dwe nan prè ipotekè ak to varyab yo. 



    Depo avalwa inisyal (Initial escrow deposit)

    Yon depo avalwa inisyal se montan ou pral peye nan moman kloti an pou kòmanse kont avalwa w lan, si pretè w la egzije li.

    Li plis (ann anglè) 



    Prè ipotekè ki pa amòti (Interest-only loan)

    Yon prè ipotekè ki pa amòti se yon prè ki gen peman planifye ki egzije pou w peye enterè a sèlman pandan yon sèten peryòd.

    Li plis (ann anglè) 



    To enterè (Interest rate)

    To enterè yon prè pou achte kay se pri ou pral peye chak ane a pou jwenn prete lajan an, ki eksprime sou fòm pousantaj. Li pa reflete ni frè ni lòt chaj ou gen dwa gen pou peye pou prè a. Pa egzanp, si prè pou achte kay la se pou $100,000 avèk yon to enterè 4 pousan, konsomatè sa a dakò peye $4,000 chak ane li jwenn prete oswa dwe montan total sa a.

    Gade to enterè yo nan zòn ou. 



    Plafon to enterè (Interest rate cap)

    Yon plafon to enterè, pafwa yo rele li yon plafon ànyèl, se ogmantasyon maksimòm ki ka genyen sou to enterè a chak ane pou yon prè ipotekè ak to varyab (ARM) menm si to a t ap ogmante plis dapre to enterè mache a. Paregzanp, si plafon sa a se de (2) pousan, nouvo to a pa ka plis pase de (2) pwen pousantaj pi wo pase ansyen to a.

    Konprann kijan pretè yo sèvi ak endèks la ak maj la pou ajiste to enterè w lan. 



    Gwo prè (Jumbo loan)

    Chak ane Fannie Mae, Freddie Mac, ak regilatè yo a, Ajans Federal pou Finansman Lojman an (FHFA), fikse yon montan maksimòm pou prè yo pral achte nan men pretè yo.

    Li plis (ann anglè) 



    Asirans tit pou pretè (Lenders title insurance)

    Asirans tit pou pretè a pwoteje pretè w la kont pwoblèm avèk tit pwopriyete w la-tankou yon moun ki gen dwa legal sou kay la. Se pretè a sèlman asirans tit pou pretè a pwoteje kont pwoblèm avèk tit la. Pou pwoteje tèt ou, li t a bon pou w achte asirans tit pou mèt kay.

    Li plis (ann anglè) 



    Plafon ajisteman pou dire prè a (Lifetime adjustment cap)

    Plafon ajisteman pou dire prè a nòmalman sèvi avèk prè ipotekè ak to varyab (ARM). Plafon sa a detèmine ki kantite to enterè a ka ogmante ototal, pandan dire prè a. Paregzanp, si plafon sa a se senk pousan, sa vle di to a pa ka janm senk pwen pousantaj pi wo pase to inisyal la. Gen pretè ki gen dwa gen yon lòt plafon oswa yon plafon pi wo.

    Konprann ki wòl endèks la dwe nan prè ipotekè ak to varyab yo. 



    Priz an chaj prè ipotekè (Loan assumption)

    Gen priz an chaj prè ipotekè lè yon achtè pran larelèv prè pou achte kay yon vandè lè li achte kay vandè a. Achtè a pran balans ki rete nan prè a pou achte kay vandè a, sou kondisyon prè orijinal la—pa egzanp, to enterè ak dire ki rete sou prè pou achte kay la. Yon priz an chaj prè ipotekè gen dwa gen sans lè y ap ofri nouvo prè pou achte kay ak to enterè pi wo pase lè vandè a te pran premye prè pou achte kay li an.

    Diferans la ant pri lavant kay la ak balans la sou prè yo pran an chaj la egal montan achtè a dwe peye a, keseswa ak lajan nan pòch li oswa nan pran pwòp prè pou achte kay pa li.

    Pou pran larelèv prè pou achte kay la, moun k ap achte kay la dwe kalifye pou priz an chaj prè ipotekè la. Kalifikasyon an nòmalman baze sou egzamen kredi ak revni achtè a, menm jan ak kalifikasyon pou yon nouvo prè pou achte kay.

    Priz an chaj prè ipotekè la ka aplike tou lè ou resevwa tit yon pwopriyete ki gen prè pou achte kay sou li – pa egzanp, apre yon lanmò oswa yon divòs.




    Ranvwa prè (Loan deferment)

    Reklamasyon pasyèl la se yon fason pou sèvi ak asirans prè ipotekè pou ede yon mèt kay ki an difikilte evite yo sezi kay li. Konpayi k ap jere prè pou achte kay la fè yon reklamasyon kont asirans prè ipotekè a pou montan tout peman prè pou achte kay ki pa t peye yo, epi konpayi asirans la mete lajan an sou kote nan yon kont separe. Lè sa a, lè pretè a refinanse prè pou achte kay la, vann kay la, oswa anile prè pou achte kay la yon lòt jan, y ap peye montan reklamasyon pasyèl la bay konpayi k ap jere prè pou achte kay la. Pafwa, montan reklamasyon pasyèl la pa kouvri tout montan peman ki pa t fèt yo, epi nan ka sa yo pretè a dwe peye diferans la.


    Estimasyon prè (Loan estimate)

    Yon Estimasyon Prè se yon fòmilè twa paj w ap resevwa lè ou fin mande yon prè pou achte kay.

    Li plis (ann anglè) 



    Modifikasyon prè (Loan modification)

    Yon modifikasyon prè pou achte kay se yon chanjman nan kondisyon prè w lan. Modifikasyon an se yon kalite limitasyon pèt. Yon modifikasyon ka redui peman mansyèl ou a rive a yon montan ou ka peye. Nan modifikasyon yo gen dwa gen pwolongasyon kantite ane ou genyen yo pou remèt prè a, rediksyon to enterè w lan, ak/aswa delè gras oswa rediksyon balans kapital ou a. Si yo ofri ou yon modifikasyon prè, ou dwe konnen kijan l ap chanje peman mansyèl ou yo ak montan total w ap dwe a akoutèm epi alontèm.

    Jwenn plis enfòmasyon sou modifikasyon prè pou achte kay



    Pousantaj valè-prè (Loan-to-value ratio)

    Pousantaj valè-prè LTV) se yon mezi ki konpare montan prè pou achte kay ou a ak valè yo evalye pwopriyete a genyen. Plis akont ou a wo, plis LTV w lan ba. Pretè prè pou achte kay yo gen dwa sèvi ak LTV an lè y ap deside si wi ou non y ap prete ou epi lè y ap detèmine si y ap egzije asirans prè ipotekè prive.

    Aprann ki relasyon ki genyen ant rapò prè-valè w la ak depans ou yo. 



    Limitasyon pèt (Loss mitigation)

    Limitasyon pèt se mezi konpayi k ap jere peman prè pou achte kay la pran pou travay avèk yon moun yo te bay yon prè ipotekè pou evite yo sezi kay la. Limitasyon pèt la se responsabilite yon konpayi k ap jere peman pou achte kay pou li redui oswa “limite” pèt la pou envestisè a, sa ki ka rive poutèt yo sezi kay la. Gen sèten opsyon limitasyon pèt ki gen dwa ede ou rete nan kay ou. Gen lòt opsyon ki gen dwa ede ou kite kay ou san ou pa pase pa sezi. Pami opsyon limitasyon pèt yo gen tit olye de sezi, delè gras, plan ranbousman, lavant ak pèt, oswa yon modifikasyon prè.

    Si ou gen pwoblèm fè peman yo pou prè pou achte kay ou a, oswa si yo ofri ou diferan opsyon limitasyon pèt epi w ap reflechi sou yo, kontakte yon ajans konsèy sou zafè lojman ke Depatman Lojman ak Devlopman Iben an (HUD) apwouve.

    Ou ka sèvi ak zouti CFPB a “Find a Counselor” (Jwenn yon Konseye) pou jwenn yon lis ajans konsèy nan zafè lojman nan zòn ou ki gen apwobasyon HUD. Ou ka rele Liy asistans pa telefòn HOPE™ la tou, ki ouvè 24 sou 24, sèt jou sou sèt, nan (888) 995-HOPE (4673).



    Maj (Margin)

    Maj la se kantite pwen pousantaj pretè ipotekè a ajoute sou endèks la pou tabli to enterè w lan sou yon prè ipotekè ak to varyab (ARM) lè peryòd to inisyal la fini. Maj la tabli nan kontra prè w la epi li p ap chanje apre kloti an. Montan maj la depann de pretè ak prè patikilye a.

    Konprann ki wòl maj la jwe nan yon prè ipotekè ak to varyab. 



    Depans mansyèl (Monthly expenses)

    Se kantite ou depanse chak mwa. Li kapab gen ladan, pami lòt bagay, obligasyon regilye tankou lwaye oswa peman prè pou achte achte, sèvis piblik, peman machin, peman soutnans pou timoun, ak peman asirans, epitou bagay esansyèl tankou manje. Pifò nan obligasyon sa yo gen yon dat echeyans fiks.

    Evalye depans mansyèl ou avèk zouti pou suiv depans sa a. 



    Ipotèk (Mortgage)

    Yon ipotèk se yon akò ant oumenm ak yon pretè ki kite ou jwenn lajan prete pou achte oswa refinanse yon kay epi ki bay pretè a dwa pou li pran pwopriyete w lan si ou pa remèt lajan ou jwenn prete a.

    Si ou pare pou pran yon prè pou achte kay, jwenn plis enfòmasyon sou zafè achte kay la. 



    Lis kontwòl pou kloti sou ipotèk (Mortgage closing checklist)

    Yon lis kontwòl kloti prè pou achte kay se yon lis etap ou ka itilize pou pare epi aprann sa pou w atann. Li ka ede ou idantifye kesyon pi enpòtan pou poze davans yo pou w kapab klotire avèk konfyans.

    Sèvi ak fèy travay sa a pou pare pou kloti an. 



    Frè kloti sou ipotèk (Mortgage closing costs)

    Frè kloti sou ipotèk se tout frè ou pral peye yo nan kloti an. Sa gen ladan komisyon sou prè a, frè evalyasyon, depans rapò kredi, frè asirans tit, ak tout lòt frè pretè w la egzije oswa ki pou peye nan kad yon tranzaksyon prè imobilye. Pretè yo oblije ba ou rezime depans sa yo nan Estimasyon Prè a.

    Jwenn plis enfòmasyon sou sa ki fèt nan kloti an. 



    Asirans ipotèk (Mortgage insurance)

    Asirans ipotèk la pwoteje pretè a si ou vin an reta nan peman ou yo. Yo nòmalman egzije asirans ipotèk si akont ou an mwens pase 20 pousan valè pwopriyete a. Asirans ipotèk la nòmalman obligatwa tou sou prè FHA ak USDA. Men, si ou gen yon prè òdinè epi akont ou a mwens pase 20 pousan, gen anpil chans pou w gen asirans prè ipotekè prive (PMI).

    Konprann kijan asirans prè ipotekè a mache 



    Modifikasyon prè pou achte kay (Mortgage loan modification)

    Yon modifikasyon prè pou achte kay se yon chanjman nan kondisyon prè w lan. Modifikasyon an se yon kalite limitasyon pèt.

    Li plis (ann anglè) 



    Refinansman ipotèk (Mortgage refinance)

    Refinansman prè pou achte kay la se lè ou pran yon lòt prè pou fin peye ansyen prè ou an nèt epi ranplase li. Rezon ki souvan lakòz refinansman se pou bese to enterè mansyèl la, pou bese peman prè pou achte kay la, oswa pou jwenn prete plis lajan. Lè ou refinanse, ou nòmalman gen pou peye frè ak depans kloti. Si ou refinanse epi ou jwenn yon peman mansyèl ki pi ba, ou dwe konprann ki kantite nan rediksyon an ki soti nan yon to enterè pi ba ak ki kantite ki se poutèt dire prè w la pi long.


    Dire ipotèk la (Mortgage term)

    Dire prè pou achte kay ou a se kantite tan ou genyen pou w remèt prè a. Pou pifò kalite kay yo, dire prè yo se nòmalman 15, 20 oswa 30 ane.

    Eksplore ki opsyon ki genyen pou dire prè. 



    Komisyon sou prè (Origination Fee)

    Yon komisyon sou prè se sa pretè a fè moun ki jwenn prè a peye pou li fè prè pou achte kay la. Komisyon sou prè a gen dwa gen ladan travay sou demann nan, emisyon ak finansman prè a, ak lòt sèvis administratif. Komisyon sou prè yo jeneralman ka ogmante nan sèten sikonstans sèlman.

    Jwenn plis enfòmasyon sou pri montaj dosye prè a. 



    Asirans tit pwopriyetè (Owner's title insurance)

    Asirans tit pwopriyetè ofri pwoteksyon pou mèt kay la si yon moun asiyen li epi di li gen dwa sou kay la depi anvan mèt kay la te achte li.

    Li plis (ann anglè) 



    Finansman pace (konpetitif) (Pace financing)

    Finansman PACE (Konpetitif) la ofri yon fason pou finanse amelyorasyon nan kay pou efikasite enèjetik.

    Li plis (ann anglè) 


    Reklamasyon pasyèl (Partial claim)

    Reklamasyon pasyèl la se yon fason pou sèvi ak asirans prè ipotekè pou ede yon mèt kay ki an difikilte evite yo sezi kay li. Konpayi k ap jere prè pou achte kay la fè yon reklamasyon kont asirans prè ipotekè a pou montan tout peman prè pou achte kay ki pa t peye yo, epi konpayi asirans la mete lajan an sou kote nan yon kont separe. Lè sa a, lè pretè a refinanse prè pou achte kay la, vann kay la, oswa anile prè pou achte kay la yon lòt jan, y ap peye montan reklamasyon pasyèl la bay konpayi k ap jere prè pou achte kay la. Pafwa, montan reklamasyon pasyèl la pa kouvri tout montan peman ki pa t fèt yo, epi nan ka sa yo pretè a dwe peye diferans la.


    Ranbousman montan toatal sou ipotèk (Payoff amount)

    Ranbousman montan total sou ipotekè w la se kantite w ap gen pou peye toutbon pou satisfè kondisyon prè pou achte kay ou a epi fin peye dèt ou a nèt. Ranbousman montan total sou ipotèk w la diferan de balans ou genyen kounye a. Balans ou genyen kounye a gen dwa pa reflete kantite ou gen pou peye toutbon an pou fin satisfè prè a nèt. Ranbousman montan total sou ipotèk w la gen ladan tou peman tout enterè ou dwe jiska jou ou gen lentansyon fin peye prè w la nèt lan. Ranbousman montan total sou ipotèk gen dwa gen ladan tou lòt frè ou genyen epi ke ou poko peye. 



    Lòd PCS (PCS orders)

    Militè ki nan sèvis aktif yo gen dwa resevwa lòd chanjman pòs pèmanan (PCS). Lòd PCS yo se deplasman ofisyèl yon militè (ak tout manm fanmi ki rete avèk li) pou ale nan yon lòt lye sèvis. Si militè a se mèt yon kay, li gen dwa chwazi vann li. Si militè a dwe plis sou kay la pase sa kay la vo, li gen dwa gen difikilte vann kay li an. Gen konpayi k ap jere peman prè ki ofri pwogram pou kite militè yo vann kay yo san yo pa gen pou remèt rès balans prè a. Ale sou resous pou militè pou plis enfòmasyon. 



    PITI

    Kapital, Enterè, Taks, ak Asirans, yo rele yo PITI, se kat eleman debaz yon peman mansyèl sou prè pou achte kay la.

    Li plis (ann anglè) 



    PMI

    Asirans Ipotèk Prive a (PMI) se yon kalite asirans ipotèk ki bon pou pretè w la. Ou gen dwa oblije peye pou PMI si akont ou a mwens pase 20 pousan valè pwopriyete a epi ou gen yon prè òdinè. Ou gen dwa kapab anile PMI an lè ou fin akimile yon sèten kantite valè san dèt sou kay ou a.

    Konprann pi byen ki lè PMI an obligatwa 



    Frè enterè peye davans (Prepaid interest charges)

    Frè enterè peye davans yo se frè ou gen pou peye nan kloti an pou tout enterè jounalye ki akimile sou prè w lan ant dat ou klotire prè pou achte kay ou a ak peryòd ke premye peman mansyèl sou prè pou achte kay ou a kouvri an.

    Li plis (ann anglè) 



    Penalite sou peman davans (Prepayment penalty)

    Yon penalite poutèt peman davans se yon frè sèten pretè fè peye si ou fin peye nèt tout prè pou achte kay ou a oswa yon pati ladan bonè. Si ou gen yon penalite poutèt peman davans, ou te dakò avèk li lè ou te klotire sou kay ou a. Se pa tout prè pou achte kay ki gen penalite poutèt peman davans. 



    Kapital (Principal)

    Kapital la se montan prè pou achte kay ou gen pou remèt la. Peman mansyèl ou a gen ladan yon pòsyon nan kapital sa a. Lè gen yon peman ki fèt sou kapital la, moun ki jwenn prete lajan an dwe mwens, epi l ap peye mwens enterè baze sou yon gwosè prè pi piti.

    Konprann diferans la ant to enterè a ak kapital la. 



    Taks sou pwopriyete (Property taxes)

    Taks sou pwopriyete se taks jiridiksyon lokal yo fè peye, nòmalman nan nivo konte a, baze sou valè pwopriyete y ap takse a. Souvan, yo kolekte taks sou pwopriyete yo nan peman mansyèl prè pou achte kay ke mèt kay la fè a, epi apre sa yo peye li bay jiridiksyon ki konsène a omwen yon fwa pa ane. Sa rele yon kont avalwa. Si prè a pa gen kont avalwa, alòs mèt kay la ap peye taks sou pwopriyete a dirèkteman.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Ipotèk kalifye (Qualified mortgage)

    Yon Ipotè Kalifye se yon kategori prè ki gen sèten karakteristik pi estab k ap ede fè sa pi fasil pou w kapab peye prè w lan.

    Li plis (ann anglè) 



    Demann ekri kalifye (QWR) (Qualified Written Request (QWR))

    Yon demann kri kalifye, oswa QWR, se korespondans ekri oumenm oswa yon moun k ap aji nan non ou ka voye pou konpayi k ap jere peman prè pou achte kay ou a. Nan plas yon QWR, ou ka voye yon Avi Erè oswa yon Demann Enfòmasyon pou konpayi k ap jere peman prè pou achte kay ou a tou.

    Li plis (ann anglè) 



    Plan ranbousman (Repayment plan)

    Yon plan ranbousman se yon fason estriktire pou ratrape peman prè pou achte kay ou rate yo sou yon sèten peryòd. Se yon kalite limitasyon pèt. Si ou gen pwoblèm fè peman w yo sou prè pou achte kay ou a, pretè w la oswa konpayi k ap jere peman prè pou achte kay ou a gen dwa kite ou antre nan yon plan ranbousman. Anvan ou antre nan yon plan ranbousman, ou dwe konprann egzijans plan an ak èske wi ou non w ap kapab fè nouvo peman yo. 



    Dwa rezilyasyon Reverse mortgage)

    Yon ipotèk envèse kite mèt kay ki gen 62 zan pou pi piti jwenn lajan prete sou valè san dèt kay yo a. Sa rele prè ipotekè “envèse” poutèt, olye pou w fè peman bay pretè a, w ap resevwa lajan nan men pretè a. Lajan ou resevwa a, ak enterè yo mete sou prè a, ogmante balans prè w la chak mwa. Yo rele pifò prè ipotekè envèse ki genyen kounye a HECM, ki se akwonim Prè Ipotekè Konvèsyon.

    Chèche konnen sa ou dwe konsidere anvan ou mande yon prè ipotekè envèse. 



    Dwa rezilyasyon (Right of rescission)

    Dwa rezilyasyon an se dwa yon konsomatè genyen pou li anile sèten kalite prè. Si w ap achte yon kay avèk yon prè, ou pa gen dwa anile prè a lè dokiman kloti yo fin siyen. Men, si w ap refinanse yon prè pou achte kay, ou gen jiska minui nan twazyèm jou ouvrab apre tranzaksyon an pou w rezilye (anile) kontra prè pou achte kay la. Delè twa jou a pa kòmanse toutotan ou pa siyen kontra kredi an (yo rele li abityèlman dwedou), resevwa yon fòmilè deklarasyon Verite nan Prè, epi resevwa de (2) kopi yon avi k ap eksplike dwa ou pou w rezilye. 



    Dezyèm ipotèk (Second mortgage)

    Yon dezyèm ipotèk oswa privilèj ran enferyè se yon prè ou pran avèk kay ou kòm garanti pandan ou toujou gen yon lòt prè avèk kay ou kòm garanti.

    Jwenn plis enfòmasyon sou dezyèm ipotèk. 



    Enterè sekirite (Security interest)

    Enterè sekirite a se sa ki kite pretè a sezi kay la si ou pa remèt lajan ou te jwenn prete a.

    Li plis (ann anglè) 



    Kredi vandè (Seller financing)

    Kredi vandè a se yon prè moun k ap vann kay w ap achte a fè ou.

    Li plis (ann anglè) 



    Moun oswa konpayi k ap bay sèvis (Servicer)

    Moun oswa konpayi k ap bay sèvis se konpayi k ap voye relve kont prè ipotekè w yo pou ou. Se konpayi k ap jere peman prè pou achte kay ou a ki okipe travay kotidyen jere prè w la tou.

    Yon moun oswa konpayi k ap bay sèvis nòmalman fè pase peman prè w lan, reponn kesyon moun ki jwenn lajan prete a, suiv ki kapital ak enterè ki peye, epi jere kont avalwa ou an (si ou gen youn). Konpayi k ap jere peman prè pou achte kay la gen dwa kòmanse pwosesis sezi kay la nan sèten sikonstans moun oswa konpayi k ap bay sèvis gen dwa oswa se gen dwa pa menm konpayi ki te ba ou prè w lan nan kòmansman. 



    Ogmantasyon valè ipotèk pataje (Shared appreciation mortgage)

    Lè ou pran yon prè avèk pataj ogmantasyon valè kay la, ou dakò bay pretè w la yon pati nan tout ogmantasyon nan valè kay ou a.

    Li plis (ann anglè) 



    Lavant ak pèt (Short sale)

    Yon lavant ak pèt se lè ou vann kay ou pou mwens pase sa ou dwe sou prè pou achte kay ou a. Yon lavant ak pèt se yon lòt chwa apa sezi kay la, men poutèt se yon vant, w ap gen pou kite kay ou a. Si pretè w lan oswa konpayi k ap jere peman prè pou achte kay ou a dakò ak yon lavant ak pèt, ou gen dwa kapab vann kay ou a pou fin peye prè pou achte kay ou a nèt, menm si pri devant la oswa rantre a vin mwens pase balans ki rete sou prè pou achte kay ou a. Yon lavant ak pèt se yon kalite limitasyon pèt. Si ou rete nan yon eta kote ou responsab tout defisi, ki se diferans la ant valè pwopriyete w la ak montan ou dwe toujou a sou prè pou achte kay ou a, li t a bon pou w mande pretè w la renonse a defisi an. Si pretè a renonse a defisi an, fè li ba ou renonsyasyon an alekri epi kenbe li nan dosye ou. 



    Ipotèk ak risk (Subprime mortgage)

    Lè pretè yo sèvi ak mo sa yo, yo jeneralman vle di yon pwogram prè pou moun k ap mande prè ki pa kalifye pou prè preferansyèl, epi pwogram sa yo souvan ofri to enterè pi wo.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Apantay (Survey)

    Apantay la se yon desen pwopriyete w la ki montre anplasman teren an, kay la ak nenpòt lòt estrikti ki genyen, epitou tout amelyorasyon ki fèt sou pwopriyete a.

    Li plis (ann anglè) 



    Frè pou sèvis tit (Title service fees)

    Frè pou sèvis tit yo fè pati frè kloti ou peye yo lè ou jwenn yon prè pou achte kay. Lè w ap achte yon kay, ou resevwa yon dokiman yo lepli souvan rele papye kay, ki montre vandè a te transfere dwa legal li sou kay la, oswa “tit” kay la ba ou. Frè pou sèvis tit yo se depans ki gen pou wè ak emisyon polis asirans tit la pou pretè a.

    Li plis (ann anglè) 



    Pousantaj enterè total (TIP) (Total interest percentage (TIP))

    Pousantaj enterè total la (TIP) se yon dokiman k ap di ou ki kantite enterè ou pral peye pandan dire prè pou achte kay ou a.

    Li plis (ann anglè) 



    Total peman yo (Total of payments)

    Chif sa a di ou montan total lajan w ap gen pou remèt pandan dire prè pou achte kay ou a.

    Li plis (ann anglè) 



    TRID

    “TRID” se yon akwonim sèten moun itilize pou pale de règ Dokiman Entegre TILA RESPA (TILA RESPA Integrated Disclosure) a.

    Li plis (ann anglè) 



    Prè USDA (USDA Loan)

    Sèvis Lojman Riral la, ki fè pati Depatman Agrikilti Etazini an (USDA) ofri pwogram prè pou achte kay san akont epi ki jeneralman gen to enterè favorab pou moun k ap achte kay andeyò yo epi ki respekte egzijans kalifikasyon USDA yo pou revni.

    Jwenn plis enfòmasyon sou sa ak lòt pwogram prè espesyal. 



    Prè VA (VA loan)

    Yon prè VA se yon pwogram prè Depatman Afè Ansyen Konbatan an (VA) ofri pou ede militè yo, ansyen konbatan yo, ak mari/madanm sivivan ki kalifye yo, achte kay. Se pa VA a ki fè prè a men li tabli règ yo pou kiyès ki gen dwa kalifye ak pou kondisyon prè pou achte kay la. VA a garanti yon pòsyon nan prè a pou redui risk pèt la pou pretè a. Prè yo jeneralman disponib sèlman pou yon rezidans prensipal.

    Si ou se ansyen konbatan, chèche konnen si yon prè VA ap bon pou ou.



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    Prepare sitiyasyon ou nan zafè lajan anvan ou achte kay

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    Achte kay se rèv anpil fanmi, men ou gen dwa pa konnen ki kote pou w kòmanse oswa kilè ou pare. Men kèk etap pou w suiv pou pran chimen vin yon mèt kay. W ap jwenn yon eksplikasyon pi konplè, nan lang anglè, nan gid Achte Kay nou an.

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    Pretè yo deside si ou gen kapasite remèt lajan an anvan yo ofri ou yon prè pou achte kay. Yo ka gade faktè tankou kantite lajan ou touche, byen ou genyen, sitiyasyon ou nan zafè travay, ekonomi ou, ak peman ou fè chak mwa sou dèt ou. Yo gade rapò sou kredi ak nòt kredi ou tou, pou wè si ou peye dèt ou yo alè.

    Men rezon ki fè yon kont labank enpòtan pou jere lajan ou (nan lang anglè)

    Men rezon ki fè antesedan ou nan zafè kredi enpòtan ak kijan pou w amelyore li (nan lang anglè)

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    Ou dwe konnen konbyen ou depanse kounye a, pou w ka deside konbyen ou ka peye chak mwa pou yon nouvo kay. Fè yon lis ki montre tout bagay ou depanse lajan sou yo pandan mwa a. Konpare depans pa mwa ou avèk salè ou pote lakay ou chak mwa.

    Epitou, deside konbyen ou vle mete sou kote chak mwa nan ekonomi, pou ijans ak pou lòt objektif.

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    Lè ou fin konpare salè ou ak depans ou, gade konbyen ou ka depanse nan peman total pou kay ou a. Lajan moun peye regilyèman lè yo se mèt kay ka gen ladan l:

    • Peman kapital ak enterè sou yon prè pou achte kay
    • Asirans sou prè pou achte kay la
    • Taks sou pwopriyete
    • Asirans mèt kay
    • Asirans konplemantè, tankou asirans kont inondasyon
    • Frè asosyasyon mèt kay (HOA)
    • Antretyen ak reparasyon kay la
    • Sèvis piblik

    Gen depans, tankou taks ak aisrans, ki ka monte avèk letan.

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    Akont ou a ap chanje kantite w ap peye, ak kilè.

    Pou peye yon pi gwo akont w ap bezwen plis lajan kach nan kòmansman, men peman pa mwa yo ap pi ba epi prè w la ap koute mwens globalman. W ap prete mwnes lajan, donk w ap gen mwens pou remèt. W ap peye mwens enterè tou paske w ap peye enterè sou yon balans prè ki pi piti. Epi si akont ou a omwen 20% pri kay la, ou nòmalman p ap peye pou asirans sou prè pou achte kay (nan lang anglè). Sa fè ou ekonomize lajan, sitou pandan premye ane yo pandan prè pou achte kay la.

    Pakont, yon pi gwo akont ka vle di ou gen mwens lajan pou depanse. Ou gen dwa bezwen kach nan finisman pwosesis prè a, paregzanp pou peye frè kloti. Epi ou gen dwa bezwen peye pou w bwote antre nan nouvo kay la, pou amelyorasyon ak reparasyon w ap fè, ak pou achte bagay nèf pou santi ou alèz lakay ou.

    Gen opsyon akont ba ki disponib

    Gen anpil pwogram ki ka ede ou achte yon kay avèk yon ti akont oswa san akont ditou. Opsyon akont ba yo ka vle di plis depans pandan dire prè a. Lè w ap rankontre avèk pretè yo, poze kesyon epi mande wè plizyè òf prè.

    Akont ou a se yon pati sèlman nan sa w ap peye davans la

    Lè w ap siyen dokiman yo pou nouvo kay ou a, ou dwe peye frè ak lòt depans pou jwenn prè pou achte kay la. Yo rele yo frè kloti. Nòmalman, frè kloti yo varye ant 2% ak 5% pri acha kay la (akont ou a pa konte ladan). Men, frè kloti toutbon ou yo ap depann de pri kay la, de akont ou a, de frè pretè yo, de kalite prè a, de kalite kay la, ak de kote kay la ye.

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    Jwenn èd pou achte premye kay ou

    Gen anpil eta ak òganizasyon rejyonal ki ofri pwogram ki ede moun k ap achte kay pou premye fwa avèk akont oswa avèk frè kloti yo. Pou jwenn pwogram toupre w la:

    Epitou ou ka mande yon konseye nan zafè lojman pou li ede ou:

    • Deside ki lè ki bon pou w achte kay la oswa kijan ou ka amelyore kredi ou (nan lang anglè) pou resevwa yon pi bon òf
    • Byen gade opsyon ou genyen yo pou prè pou achte kay la, oswa lòt opsyon w ap genyen si antesedan ou nan zafè kredi amelyore
    • Gade rapò sou kredi ou yo, konbyen ou touche, ak lòt enfòmasyon sou zafè lajan epi eksplike ou kijan pretè lajan pou achte kay yo ap evalye aplikasyon w lan

    Jwenn pwoblèm ki gen dwa bare wout ou

    Diskriminasyon se yon bagay ki ilegal

    Pretè yo pa ka ni refize ba ou kredi, ni mande ou peman oswa to enterè ki pi wo, ni ofri ou kondisyon defavorab, ni dekouraje ou aplike pou yon prè poutèt:

    • Ras ou
    • Koulè ou
    • Relijyon ou
    • Orijin nasyonal ou
    • Sèks ou (sa gen ladan oryantasyon seksyèl ou ak idantite seksyèl ou)
    • Sitiyasyon matrimonyal ou
    • Laj ou
    • W ap resevwa lajan nan men èd piblik
    • W ap egzèse dwa ou an bònfwa selon Lwa sou Pwoteksyon Kredi Konsomatè a

    Si ou gen pwoblèm avèk yon prè pou achte kay, ou ka depoze yon plent sou entènèt oswa rele (855) 411-CFPB (2372).

    “Kontra vant imobilye” ka bay pwoblèm

    Yon kontra vant imobilye (yo rele li tou pafwa “vant avèk rezèv pwopriyete” oswa “acha avèk fòfè”) se yon acha kay ki fèt sou plan vèsman olye de yon prè pou achte kay tradisyonèl. Olye pou w al jwenn separeman yon pretè lajan pou achte kay pou jwenn prè pou peye vandè a pri total pwopriyete a, ou dakò pou w peye vandè a pa vèsman chak mwa. Vandè a ap kenbe papye pwopriyete a jiskaske kontra a fin respekte nèt. Papye pwopriyete a reprezante moun ki se mèt legal kay la.

    Pou w ka konprann dwa ou genyen nan yon kontra vant imobilye, se yon bon lide pou w pale ak yon avoka. Men ti konsèy pou jwenn yon avoka nan eta w la.

    Selon yon kontra vant imobilye, ou dwe aji kòm mèt pwopriyete a pandan dire kontra a, menm si papye pwopriyete a poko pou ou. Nan yon kontra vant imobilye nòmal, ou peye taks sou pwopriyete, asirans, reparasyon, ak antretyen.

    Avèk yon prè pou achte kay tradisyonèl, si ou vin an reta nan peman ou yo, pretè a jeneralman oblije tann anvan pou li kòmanse pwosesis sezi kay la. Avèk yon kontra vant imobilye, vandè a souvan kòmanse pwosesis degèpisman an touswit. Degèspisman a ka fèt rapidman si ou:

    • Manke yon peman mansyèl
    • Pa ka fè yon “dènye vèsman pi wo” ki se yon gwo montan, si kontra a egzije li
    • Pa peye lòt depans ki detaye nan kontra a, tankou taks ak antretyen

    Epitou, vandè a nòmalman ka kenbe tout lajan ak travay ou te mete pou achte kay la.

    Menmsi ou fè tout peman kontra a egzije yo, ou gen dwa tonbe nan pwoblèm. Vandè a gen dwa pa gen tit klè a kay la. Paregzanp, vandè a gen dwa dwe lajan sou yon dwa oswa sou yon prè sou pwopriyete a. Oswa vandè a pafwa senpleman refize remèt papye pwopriyete a. Pafwa vandè a pran lajan ou pou taks ak asirans men li pa peye yo toutbon, donk lè ou finalman vin mèt kay la w ap fè fas a gwo bòdwo, penalite, ak lòt pwoblèm.

    Si ou gen pwoblèm avèk yon kontra vant imobilye, ou ka depoze yon plent sou entènèt oswa rele (855) 411-CFPB (2372).

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    Shopping for a mortgage (in Haitian Creole)
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    Lè w ap chèche prè pou achte kay

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    Chèche prè pou achte kay mande tan ak enèji. Men sa ka fè ou ekonomize plizyè milye dola. Ou dwe gen kòm objektif konpare omwen twa òf prè pou achte kay nan men diferan pretè.

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    Sou paj sa a:

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    Jwenn omwen twa apwobasyon alavans

    Entènèt ak jounal se bon kote pou kòmanse chèche pretè pou achte kay ou a. Kontakte bank yo, kès depay yo, ak òganizasyon ki gen dwa espesyalize nan sitiyasyon w lan—tankou moun k ap achte kay pou premye fwa, ansyen konbatan, travayè nan sèvis piblik, oswa lòt kalite moun.

    Mande omwen twa pretè diferan pou yo ba ou “apwobasyon alavans”. Sa vle di pretè a gade finans ou, sa gen ladan rapò kredi ou, epi li estime konbyen ou ka prete ak ki enterè w ap gen plis chans pou peye.

    Apwobasyon alavans la pèmèt ou eseye chak pretè pou wè ki kalite prè ak pri li ofri. Lè ou jwenn toulètwa apwobasyon alavans yo nan yon peryòd kout, sa pa ta dwe gen gwo konsekans sou nòt kredi ou.

    W ap retounen kote pretè sa yo lè ou pran sèten desizyon, epi mande yo òf prè yo.

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    Chèche konnen dire prè, estrikti to enterè, ak pwogram

    Dire prè a: Pi long oswa pi kout

    An jeneral, yon dire prè pi long koute plis sou dire lavi prè a. Men peman pa mwa ou yo nòmalman pi ba. Ou gen dwa kapab negosye yon lòt dire prè avèk pretè w lan, tankou 20 ane, 7 ane, oswa plis pase 30 ane.

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    Pifò moun k ap achte kay yo chwazi yon prè sou 30 ane poutèt peman yo ka ba.

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    Peman yo nòmalman pi wo pase 30 ane prè yo, men w ap fin peye prè w lan nan 15 anre epi kou total prè a kapab pi ba.

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    Estrikti to enterè prè a: To fiks oswa to varyab

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    Prè ak to fiks yo se bagay ou jwenn souvan. Premye peman w lan gen dwa pi ba avèk yon prè ak to varyab, men si to enterè yo monte ou ta ka fè fas a peman ki ogmante anpil.

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    To enterè w lan ak peman pa mwa w lan p ap janm chanje pandan tout dire prè w lan.

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    To enterè ou nòmalman fiks pandan kèk premye ane prè a. Lè peryòd fiks la ekspire, to a ajiste nan entèval regilye baze sou yon “endèks.” Endèks la se yon mezi to enterè jeneralman, epi li reflete tandans ki genyen nan ekonomi global la. Sa vle di montan peman w lan ka ogmante oswa diminye. W ap jwenn detay yo nan Estimasyon Prè w ap resevwa nan men pretè a.

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    Pwogram prè: Òdinè, FHA, VA, oswa pwogram espesyal

    Gen anpil pwogram prè, epi genyen ki fèt pou ede fè prè pou achte kay vin disponib pou moun ki nan sèten sikonstans oswa nan sèten gwoup.

    W ap bay yon akont 5% pou pi piti?

    Poze kesyon sou prè Fannie Mae oswa Freddie Mac ki kalifye, ke yo souvan rele prè “òdinè”.

    W ap bay yon akont tou piti?

    Poze kesyon sou prè ki gen asirans FHA.

    Ou se militè oswa ansyen konbatan?

    Poze kesyon sou prè ki gen garanti VA

    W ap achte kay andeyò?

    Poze kesyon sou prè USDA parennen.

    Ou se yon moun k ap achte kay pou premye fwa avèk revni ba oswa mwayen?

    Poze kesyon sou prè ou ka jwenn pase pa ajans finansman lojman eta w lan.

    Konpare òf prè yo

    Kounye a, li lè pou kòmanse pwosesis deman prè ofisyèl la. Mande pretè ou yo òf prè ki reflete chwa ou yo pou kalite, pwogram, ak dire prè. Apre sa w ap kapab konpare bagay ki sanble.

    Toudabò, konpare pati debaz yo nan prè a:

    • Kisa dire prè a ye?
    • Kisa to enterè a ye?
    • Sou ki montan akont yo baze prè a?
    • Konbyen peman pa mwa a ye?
    • Pou prè ipotekè ak to varyab, èske ajisteman peman yo ak to enterè a gen plafon? Èske to enterè a ap bese si to enterè mache a tonbe?

    Answit, konpare rès detay yo ki ka gen konsekans sou depans ou:

    • Ki lè peman mwen yo ap fin peye kapital la?
    • Èske peman yo ap chanje pandan dire prè a? Ki wotè peman mwen an ka monte?
    • Èske peman mwen an gen ladan taks sou pwopriyete ak asirans? Si se pa sa, èske m ap kapab peye yo separeman?
    • Ki depans ak frè y ap ajoute nan premye peman mwen an? Nan lòt peman mwen yo?
    • Èske fò mwen peye pwen (frè davans ki redwi to enterè w lan)?
    • Ki frè ak depans ki antre nan montan m ap prete a (nòmal pou yon prè “san frè kloti”)?
    • Èske òf ki ekri an menm ak sa yo te di mwen sou prè a?
    • Èske mwen ka jwenn yon pi bon afè pou sèvis règleman nan men diferan founisè sèvis?
    • Èske mwen ka fin remèt prè a nèt, oswa fè peman ki pi gwo pase sa ki prevwa yo, san penalite?

    Mande yon pi bon afè

    Lè ou fin wè òf plizyè pretè, mande si yo ka fè youn ki pi bon. Negosyasyon se bagay ki fèt souvan, epi pa gen danje nan mande. Pretè a gen dwa kapab anile oswa redwi youn nan frè yo, oswa bese to enterè a oswa pwen yo.

    Verifye pretè a pa bese yon frè epi monte yon lòt, oswa bese to enterè w lan men monte pwen ou yo.

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    Shopping for your auto loan (in Haitian Creole)
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    Chache alantou prè otomobil ou

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    Chache alnatou prè epi eseye jwenn to ak kondisyon ki pi bon yo, menmsi sa konplike, se menm konparezon pou lè w ap achte lòt bagay. Chache alantou bonè ap fè w pare pou negosyasyon prè otomobil ou, epi sa ap fè pwosesis la mwens estresan.

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    Prepare anvan ou aplike pou yon prè otomobil

    W ap nan yon pi bon pozisyon pou chache alantou ak negosye pou yon prè otomobil si ou swiv etap sa yo anvan ou aplike pou yon prè.

    Tcheke rapò kredi ou

    Enfòmasyon ki nan rapò kredi ou ap detèmine nòt kredi ou yo. Nòt kredi ou jwe yon gwo pati nan detèmine ki kalite prè otomobil ou ka jwenn, ak konbyen enterè ou pral peye sou prè a. Men kèk resous itil:

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    Eske w bezwen yon ko-siyatè?

    Yon ko-siyatè se yon moun - tankou yon paran, yon manm fanmi, oswa yon zanmi - ki gen obligasyon nan yon kontra pou peye prè a menm jan ou ye a. Si istwa kredi ou limite oswa ou bezwen amelyore’l, epi ou gen yon pwen kredi ki ba (oswa pa gen nòt kredi), to enterè ou ta ka siyifikativman pi ba si ou gen yon ko-siyatè ak bon kredi oswa ekselan. Se paske kreditè a pral konte sou istwa kredi ko-siyatè a ak nòt nan deside fè prè a.

    Si w panse gen yon ko-siyatè, ou menm ak potansyèl ko-siyatè a ta dwe reflechi ak anpil atansyon sou desizyon sa a. Si ou pa ranbouse prè ou a, ou menm ak ko-siyatè w la ap responsab pou ranbousman an. Ko-siyatè a responsab pou prè a menmsi li pa gen dwa pou posesyon sou machin nan. Anplis de sa, nenpòt peman an reta ki fèt sou prè a li ka afekte dosye kredi ak eskò ou ak dosye kredi ak eskò ko-siyatè w la tou. Anjeneral, lalwa federal entèdi yon kreditè pou mande w gen yon ko-siyatè si w aplike pou yon prè endividyèlman epi ou kalifye dapre estanda kreditè a pou solvabilite pou prè a. Pou plis enfòmasyon sou ko-siyati vizite consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    Konsilte to denterè prè otomobil kounyè a

    Ou ka chache to denterè yo nan diferan bank, kredi inyon ak lòt pretè. Konsa tou ou ka ale sou Entenèt nan paj plizyè sant komèsyal ki ka ba ou yon estimasyon to denterè yo nan diferan zòn peyi a. Kèk sit entènèt ka konekte ou ak pretè espesifik oswa dilè pou ka ba ou estimasyon, kidonk li enpòtan pou ou fè atansyon ak ki kalite enfòmasyon pèsonèl w ap bay.

    Konsidere yon peman davans

    Yon peman davans ap bese kantite total ou bezwen finanse paske w ap bezwen prete mwens lajan. Toutotan peman davans la pi wo, se konsa total prè a ap pi piti.

    Deside si ou vle chanje machin ou genyen kounye a

    Si ou deja gen yon machin, chache konnen valè li pou wè konbyen ou ka mande pou li si ou ta fè yon echanj oswa si ou ta vann li an prive. Ou ka konsilte valè apwoksimatif machin nan sou sit entènèt kèk biznis tankou Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power and kèk paj anons sou entènèt. Resous sa yo ka disponib tou nan bibliotèk zòn ou an. Sa ka ede ou tou si ou ka jwenn enfòmasyon sou machin ki te vann pa lontan nan zòn ou an pou sa konnen pri yo byen.

    Depi ou fin gen yon ide de konbyen lajan machin ou an koute, ou ka deside si w ap fè yon echanj oswa si w ap vann li oumenm. Si ou fè echanj machin nan kay yon vandè otomobil, oumenm ak vandè a ap deside ki valè nou dwe detèmine pou sa konnen pri pwochen otomobil la. Si ou vann machin nan ou poukont ou, ou ka itilize lajan lavant la kòm peman avans.

    Si machin ou pral vann nan gen yon prè otomobil aktif sou li, fòk ou panse desizyon an ak anpil swen

    Konsidere ak anpil swen si ou dwe pran yon lòt kredi pou ajoute sou dèt ou te deja genyen an. Men kèk analiz ak etap:

    • Pran kantite ranbousman an, ki se kantite lajan ou bezwen pou peye prè a, nan men pretè ou gen kounye a avan ou ale nan biznis k ap vann machin nan.
    • Deside si ou pral ranbouse prè ou genyen kounye a, tann jiskaske ou fin peye prè ansyen machin ou an anvan ou prete pou yon lòt machin, oswa mete kantite ou dwe toujou a sou machin ou an nan nouvo prè otomobil la.
    • Si ou dwe plis sou machin ou an ke valè li — ke yo rele alanvè — lè sa ou gen yon valè negatif. Si ou envesti balans prè machin ou gen deja a nan nouvo prè otomobil la, sa ka fè nouvo prè otomobil la pi chè anpil. Pri total prè a ap pi wo paske ou pral prete plis pase pri nouvo machin nan.
    • Apre ou fin etidye pri echanj la, si kantite ou dwe sou chanjman an pi piti ke valè reyèl la, asire pandan nenpòt negosyasyon ou konsidere si ou va jwenn yon bon valè pou echanj machin lan epi si w ap ka ranbouse ansyen prè otomobil la.
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    Èske ou toujou dwe sou echanj ou an?

    Si ou panse reenvesti balans ansyen prè a nan nouvo a, asire ou konprann kijan sa pral afekte pri total nouvo prè ou an. Pran san ou pou gade pri total prè a ansanm ak tout kantite yo prete w la, to pousanj lane a (APR), to denterè a, dire prè a (nan kè mwa), epi peman chak mwa– anvan ou asepte nenpòt bagay. Si ou pa pase lajan ou dwe sou ansyen machin ou sou nouvo prè a, epi ou toujou gen premye machin nan pandan ke ou achte yon nouvo, w ap gen de (2) prè ak de (2) peman pou fè chak mwa. Lòt kote, ou ka bezwen konsidere si sa gen sans pou kontinye tranzaksyon an epi achtè yon nouvo machin pandan ou dwe toujou sou premye machin ou vle chanje a. Pou jwenn plis enfomasyon ale nan consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    Panse sou opsyon adisyonèl yo anvan

    Lè ou ale kote dilè machin nan, y ap ofri ou pwodwi ak sèvis adisyonèl pou machin nan oswa pou prè a. Se yon bon lide pou panse sou sèvis ekstra sa yo depi kounye a, konsa ou p ap gen twòp preyokipasyon kay dilè a, epi w ap gen repons tou pare lè yo poze ou kesyon sou sèvis ekstra yo. Sèvis ekstra yo gen anjeneral:

    Pwodwi ak sèvis sa yo, ke ou ka finanse, se si ou vle. Si ou achte yo, pri a negosyab. Si ou panse ou vle achte pwodwi oswa sèvis sa yo, chache fè konparezon. Pa egzanp, konpayi asirans otomobil ou an ka ofri asirans GAP, asiranks kredi, oswa lòt chwa. Si ou finanse sèvis opsyonèl yo nan prè ou pran an, kantite ou prete ak sa ou gen pou peye a ap ogmante.

    Kounye a ke ou fè devwa ou, ou prè pou pase lòt etap la, ki se chache konpare prè otomobil ou an. Itilize papye prè oto a nan consumerfinance.gov pou swiv tras tèm prè yo epi konpare opsyon. Ale ak fèy kalkil la nan bank la, kredi inyon, lòt pretè, ak dilè a pou ou sa konpare opsyon kredi epi deside sa ki pi nan avantaj ou.

    Chache alantou prè otomobil ou

    Kounye a ou pare pou chache alantou prè otomobil ou an. Anvan ou ale kay dilè a, reyini tout enfòmasyon pèsonèl ou epi panse jwenn apwobasyon prè a davans.

    Chache alantou bonè ap fè w pare pou negosyasyon prè otomobil ou, epi sa ap fè pwosesis la mwens estresan.

    Reyini enfòmasyon pèsonèl ou

    Lè ou prale labank, kredi inyon, oswa kote vandè machin nan, asire ou gen tout enfòmasyon ke ou bezwen. Pretè yo jeneralman mande enfòmasyon sa yo nan yon aplikasyon pou prè:

    • Non
    • Nimewo Sekirite Sosyal oswa ITIN
    • Dat ou fèt
    • Adrès aktyèl ak adrès anvan yo epi konbyen tan ou te rete nan kay la
    • Kote w ap travay, travay anvan yo epi konbyen tan ou fè nan travay yo
    • Okipasyon ou
    • Sous revni ou yo
    • Revni total avan taks
    • Enfòmasyon finans ou de kont kredi aktyèl, ansanm ak lòt dèt

    Jwenn pre-apwobasyon pou yon prè

    Lè ou jwenn pre-apwobasyon pou prè oswa kalifye pou yon kantite maksimòm prè ak to denterè nan bank, kredi inyon, oswa lòt pretè, sa se yon bon kote pou kòmanse. Si ou pote yon estimasyon prè de yon pretè bay dilè a, ou dwe nan yon pozisyon gwo negosyan pou ta jwenn yon pi bon afè, swa ou rete ak pri ou te pote a oswa ou deside asepte òf finansman dilè a.

    Pre-apwobasyon ka ede ou tou rete nan limit bidjè ou epi ede ou konpare to denterè yo san presyon tan ou ka santi yon fwa ke ou kaydilè a. Apresa kay dilè a, ou ka konsantre ou plis sou pri aktyèl machin nan ak pri echanj la paske w ap deja konnen tout bagay ke ou bezwen sou kondisyon prè a. W ap toujou gen chwa pou negosye yon prè ki pi bon kay dilè a epi pa itilize pre-apwobasyon.

    Si aplikasyon ou resevwa pre-apwobasyon, pretè a ap ba ou dokiman pou pote bay dilè a. Yon fwa ke ou pare, dilè a ap fè dènye aranjman yo ak pretè ou an.

    Konprann kijan chache alantou yon prè afekte nòt kredi ou

    Chache pi bon zafè nan prè otomobil jeneralman gen yon tikras oswa ankenn enpak sou nòt kredi ou(yo). Benefis rechèch la pi enpòtan lontan pase nenpòt enpak sou kredi ou. Nan kèk ka, si ou aplike pou plizyè prè pandan yon peryòd tan ki long, sa ka bese nòt kredi ou. Toudepan ki modèl nòt kredi ki itilize, jeneralman nènpòt kesyon oswa ankèt pretè yo sou nòt kredi ou ki fèt nan yon espas tan ki soti 14 pou rive 45 jou ap konte tankou yon sèl ankèt. Sa vle di ke chache yon prè otomobil pandan peryòd tan sa ap konte tankou ou te aplike pou yon sèl prè. Ou ka redwi nenpòt enpak negatif sou nòt kredi ou si ou fè tout envestigasyon to denterè yo nan yon peryòd tan ki kout.

    Konnen dwa ou

    Yon pretè pa ka dekouraje ou oswa refize aplikasyon kredi ou, oswa ofri ou pri diferan oswa lòt tèm ak kondisyon de prè sou baz ras ou, koulè, relijyon, nasyonalite, sèks, eta sivil, laj, poutèt ou resevwa revni asistans piblik, oswa egzèsis bòn fwa nenpòt dwa ki nan Lwa Pwoteksyon Konsomatè Kredi a.

    Ou ka depoze yon plent sou entènèt nan Komisyon Komès Federal la (FTC) nan reportfraud.ftc.gov oswa nan Biwo Pwoteksyon Finans Konsomatè (CFPB) nan consumerfinance.gov/complaint oubyen rele gratis nan 1-855-411-CFPB (2372).

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    Helping multilingual communities and newcomers

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    In the United States, financial products and services are generally described in English. For those who primarily speak another language, it can be challenging to understand and use these products and services.

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    Millions of people in the United States speak languages other than English. The most widely spoken languages in the United States other than English include Spanish, Chinese, Haitian Créole, Tagalog, Korean, Vietnamese, Russian, and Arabic.

    Limited English ability and not being familiar with the U.S. financial system can make it hard to navigate the financial marketplace. To help people understand common financial products and transactions, we provide information in multiple languages.

    Help by phone is available in more than 180 languages when you call (855) 411-2372.

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    Resources for the people you serve

    Find CFPB materials that can help your clients understand financial products and services, see answers to common questions, and take action.

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    Materials you can share

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    Consumer resources in Spanish

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    Find Spanish-language guides to financial products, answers to common questions, information on how to submit a complaint about consumer financial products and services, and more.

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    Financial well-being scale in Spanish

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    Answer ten questions to measure your current financial well-being and see steps you can take to improve it.

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    Housing disclosure documents in Spanish

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    Whether you’re just thinking about buying a home or about to close, we help you take control of the process.

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    Shining a light on small business lending in Spanish

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    See information and resources on small business lending. Share your experiences with getting a small business loan.

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    Spanish-English translations: Notices after you applied for credit

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    Find translated versions of notices to help you understand the information you receive from your lender after you apply for credit.

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    Spanish-English translations: Prepaid card disclosures

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    Find translated versions of disclosures about fees and services, to use as you compare prepaid cards.

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    신용카드 대금을 결제할 수 없다면 빠르게 대처하세요

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    신용카드의 최소 결제액을 납부할 수 없다고 생각되시면 바로 해당 신용카드 회사에 전화하세요.

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    많은 신용카드 회사들은 재정적 어려움을 겪고 있는 경우, 도움을 드릴 수 있습니다. 결제 대금이 연체되지 않아도 도움을 요청할 수 있습니다!

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    문제를 무시하지 마세요

    다음과 같은 더 큰 문제들이 발생할 수 있습니다.

    • 더 높은 이자율
    • 더 높은 최소 결제액
    • 결제 권한 상실
    • 연체료
    • 신용점수 손상

    해야 할 일

    1. 수입과 지출을 합산하세요.

    비용을 줄일 수 있는 방법을 찾아야 합니다. 최소 결제액을 납부할 수 없다면 얼마를 납부할 수 있는지 결정하시기 바랍니다.

    2. 신용카드 회사에 전화하세요.

    다음 사항을 명확히 설명해야 합니다.

    • 최소 결제액을 납부할 수 없는 이유
    • 납부할 수 있는 금액
    • 정상적으로 납부를 다시 시작할 수 있는 시기

    3. 신용 상담을 고려하세요.

    더 많은 도움이 필요하시다면 비영리 신용 상담 기관을 통해 돈을 관리하는 방법을 배울 수 있습니다.

    신용 상담을 신청하기 전, 상담료가 있는지 묻고, 상담료는 얼마인지 그리고 어떤 서비스가 제공되는지 문의하시기 바랍니다. 신용 상담사가 시간을 내어 재정 상태를 파악하고 상황을 개선하기 위한 방법에 대해 도움을 줄 수 있는지도 확인하시기 바랍니다.

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    쉬운 해결책은 없습니다

    일부 영리 목적의 채무 구제 회사들은 채무 상환을 “훨씬 더 저렴하게” 할 수 있다고 합니다. 그러나 대부분 이러한 약속은 지켜지지 않습니다. 다음과 같은 채무 구제 기관들을 유의하시기 바랍니다.

    • 채무를 해결하기 전에 수수료를 부과하는 경우
    • 채무를 없애 주겠다고 보장하는 경우
    • 대출업체 또는 신용카드 회사와 연락을 중단하도록 요구하는 경우
    • 신용카드 또는 대출에 대한 결제를 중단하도록 요구하는 경우
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    자동차 대출 주요 용어

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    현금 환산 가치 (ACV) (Actual Cash Value (ACV))

    현금 환산 가치(ACV)는 전국자동차딜러 협회(National Automobile Dealers Association) 또는 켈리블루북(Kelley Blue Book) 과 같이 널리 알려진 독립적인 출처에 따른 자동차의 가치입니다.

    할부 상환 (Amortization)

    할부 상환은 자동차 대출을 점차적으로 갚아가는 과정을 말합니다. 할부 상환 대출에서는 각 월별 상환금이 일부는 대출금(원금)에 적용되고 일부는 금융 수수료(이자)에 적용됩니다.

    (영어로) 추가 정보 읽기

    연이율(APR) (Annual Percentage Rate (APR))

    연이율(APR)은 수수료를 포함하여 돈을 빌리기 위해 매년 내는 비용을 퍼센트로 표현한 것입니다. APR은 이자율 뿐만 아니라 대출을 받기 위해 지불해야 하는 수수료도 반영하기 때문에 돈을 빌리는 데 드는 비용을 보다 광범위하게 측정한 것입니다. APR이 높을수록 대출 기간 동안 더 많은 돈을 냅니다.

    자동차 대출에서 APR과 이자율은 돈을 빌리는 데 드는 비용의 가장 중요한 두 가지 척도입니다. 연방 공정대출법(TILA)에 따라 대출업체는 소비자가 대출에 대한 의무를 지기 전, APR을 포함하여 중요한 조건에 대해 특정한 공시를 해야 합니다. 모든 대출업체가 APR을 제공해야 하므로, 자동차 대출을 비교하기 위해 APR을 사용할 수 있습니다. 단, APR을 이자율이 아닌 APR과 비교하고 있는지 주의를 기울여야 합니다.

    양수인 (Assignee)

    양수인은 자동차 대출 채권을 매입하는 사람 또는 회사입니다. 예를 들어, 소비자에게 신용을 제공하는 자동차 딜러가 이 대출 채권을 은행에 판매하여 은행이 양수인이 될 수 있습니다. 채무자는 대출 채권을 매입한 이에게 돈을 갚아야 합니다. 양수인은 해당 자동차에 대해 유치권을 보유하며 채무자가 채무를 상환하지 않으면 자동차를 압류할 수 있습니다.

    기본 가격 (Base price)

    기본 가격은 옵션이 없는 자동차의 가격입니다.

    (영어로) 추가 정보 읽기

    구매 이자율 (Buy rate)

    구매 이자율은 소비자가 딜러 파이낸싱을 신청하였을 때 잠재적 대출업체가 딜러에게 견적을 내주는 이자율입니다.

    (영어로) 추가 정보 읽기

    연대 보증인 (Co-signer)

    연대 보증인은 부모나 가까운 가족 구성원 또는 친구와 같이 채무자가 대출을 갚지 않으면 대신 갚겠다고 담보를 서는 사람입니다. 이는 채무자와 대출업체 양측에 이득이 될 수 있습니다. 연대 보증인은 대출금을 상환할 전적인 책임을 집니다. 대출업체는 채무자의 대출에 연대 보증인이 있으면 대출 상환이 이루어질 것이라는 확신을 추가로 가질 수 있습니다. 채무자가 대출을 상환하지 않는 경우, 연대 보증인은 자동차를 한 번도 운전하지 않았어도 상환해야 할 책임을 집니다. 대출에 연대 보증인이 되어 달라는 요청을 받으면 개인 재정에 어떠한 영향을 미치는지 꼭 고려해야 합니다.

    신용보험 (Credit insurance)

    신용보험은 선택형 보험으로 채무자의 사망 또는 장애와 같이 특정한 상황에서 대출업체에게 자동차 대출 상환금을 지급합니다. 신용보험을 고려하는 중이시라면 제공되는 약관의 조건을 이해하고 있는지 확인해야 합니다. 보험이 필요하다고 결정한 경우, 신용보험을 구매하여 자동차 대출에 추가하는 것보다 해당 보험과 같은 보장성을 더 저렴하게 확보할 수 있는 방법을 찾아봐야 합니다. 예를 들어 생명보험은 신용생명보험 보다 저렴하고 가족들은 자동차 대출을 포함하여 다른 비용도 상환할 수 있습니다.

    채무 면제 또는 유예 (Debt cancellation or suspension products)

    일부 자동차 딜러 및 은행과 신용 조합은 “채무 면제” 또는 “채무 유예” 상품 또는 보험을 다양한 명칭으로 제공합니다. 이러한 상품들은 기능 차원에서는 신용보험과 유사하지만 수수료 및 기타 특성은 다를 수 있습니다.

    (영어로) 추가 정보 읽기

    결손 잔액 (Deficiency balance)

    채무자의 자동차가 압류 후 매매되는 경우, 대출에 남은 잔액(압류 수수료 추가)과 판매액의 차액을 내야 할 수 있습니다. 이는 “결손 잔액”이라 합니다.

    계약금 (Down payment)

    계약금은 자동차의 총비용에 대한 초기 선 지급금입니다. 계약금은 현금, 보상판매 가치 또는 둘 다일 수 있습니다. 계약금을 더 낼수록 빌려야 하는 금액이 줄어듭니다. 더 많은 계약금은 매월 내야 하는 상환금과 총 대출 비용을 줄 일 수 있습니다.

    보증 연장 또는 자동차 서비스 계약 (Extended warranty or vehicle service contract)

    보증 연장 또는 자동차 서비스 계약은 제조사 보증에 추가로 또는 제조사 보증이 종료된 후, 일부 유형의 수리 비용을 보장합니다.

    (영어로) 추가 정보 읽기

    금융 및 보험 부서 (Finance and insurance department)

    대리점에서 자동차를 구매하는 경우, 영업 사원이 금융 및 보험 부서(F&I) 또는 영업소 직원을 소개할 수 있습니다. 이는 대리점의 한 부분으로 고객이 대리점에서 자동차 구매에 동의한 후 대출 및 선택형 부가 기능을 판매합니다.

    (영어로) 추가 정보 읽기

    고정금리 대출 (Fixed-rate financing)

    고정금리 대출은 대출 기간 동안 이자율이 바뀌지 않는다는 뜻입니다. 고정금리를 사용하면 매월 납부하는 상환액과 대출 기간 동안 납부하게 될 총 금액을 알 수 있습니다. 대출 상환금이 변하지 않기를 원하는 경우 고정금리 대출을 선호하실 수 있습니다. 고정금리 대출은 대출의 한 종류입니다. 또 다른 대출의 종류로는 변동금리 대출이 있습니다.

    강제 부과 보험 (Force-placed insurance)

    자동차를 구매하기 위해 대출을 받으려면, 자동차 자체에 대한 보험이 있어야 합니다. 채무자가 보험을 들지 않았거나 보험이 만료된 경우, 계약에 따라 대출업체는 자동차를 보장하기 위해 보험에 가입할 수 있습니다. 이 보험을 “강제 부과 보험”이라 부릅니다.

    (영어로) 추가 정보 읽기

    자동차 보호 보장(GAP) 보험 (Guaranteed Auto Protection (GAP) insurance)

    GAP 보험은 자동차 대출에 대한 채무자의 채무 금액과 차량이 도난, 손상 또는 전손 된 경우 보험이 지불하는 금액 간의 차액(또는 격차)을 보상합니다. 이 보험에 가입할 필요는 없지만 가입을 원한다면 여러 곳을 알아보는 것이 좋습니다. 대출업체는 이 상품에 대해 다양한 가격을 책정할 수 있습니다.

    이자율 (Interest rate)

    자동차 대출의 이자율은 돈을 빌리기 위해 매년 지불하는 비용을 퍼센트로 표현한 것입니다. 이자율은 대출 수수료를 포함하지 않습니다.

    자동차 대출에서 APR 과 이자율은 돈을 빌리는 데 드는 비용의 가장 중요한 두 가지의 척도입니다. 연방 공정대출법(TILA)에 따라 대출업체는 소비자가 대출에 대한 의무를 지기 전, APR을 포함하여 중요한 조건에 대해 특정한 공시를 해야 합니다. 모든 대출업체가 APR을 제공해야 하므로, 자동차 대출을 비교하기 위해 APR을 사용할 수 있습니다. 단, APR을 이자율이 아닌 APR과 비교하고 있는지 주의를 기울여야 합니다.

    대출 기간 (Loan term or duration)

    이는 자동차 대출 기간으로 일반적으로 개월 수로 표시됩니다. 대출 기간이 짧을수록(더 적은 개월 수 동안 월 상환금을 납부하는) 총 대출 비용이 줄어듭니다. 더 긴 대출은 월 상환금을 줄일 수 있지만 대출 기간 동안 더 많은 이자를 지불해야 합니다. 또한 더 긴 대출은 자동차 가치보다 자동차에 더 많은 빚이 있는 역자산이 될 위험이 있습니다.

    자산가치 대비 융자 금액 비율 (Loan-to-value ratio)

    자산가치 대비 융자 금액 비율(LTV)은 대출의 총 달러 가치를 차량의 실제 현금 가치(ACV)로 나눈 값입니다. 일반적으로 퍼센트로 표시됩니다. 계약금은 대출의 자산 가치 대비 융자 금액 비율을 줄여 줍니다.

    (영어로) 추가 정보 읽기

    강제 중재 (Mandatory binding arbitration)

    강제 중재 조항이 포함된 계약에 서명하는 것은 법원 대신 분쟁을 결정하는 중재인을 통해 계약에 대한 모든 분쟁을 해결하는 데 동의하는 것입니다. 또한, 결정에 항소하거나 집단 소송에 참여할 수 있는 능력과 같은 기타 권리를 포기하는 데 동의하는 것일 수도 있습니다.

    (영어로) 추가 정보 읽기

    제조사 인센티브 (Manufacturer incentives)

    제조사 인센티브는 0% 융자 또는 현금 환급과 같이 신규 자동차에 대해 광고된 특가입니다. 대부분 특정 차종에 대해서만 제공됩니다.

    권장소비자가격(MSRP) (Manufacturer Suggested Retail Price (MSRP))

    권장소비자가격(MSRP)은 자동차 제조사(제조업체)가 대리점에게 차량 판매 시 권장하는 가격입니다.

    역자산 (Negative equity)

    자동차 가치보다 현재 자동차 대출에 대한 빚이 더 많으면(“거꾸로 된” 상태라고 불림) 역자산입니다. 즉, 차량을 팔려고 하면 이미 빚진 금액을 받을 수 없습니다. 예를 들어, 자동차 대출에 1만 달러의 빚이 있고 현재 차량의 가치가 8천 달러라고 가정합니다. 이 경우에는 2천 달러의 역자산이 있다는 의미입니다. 차량을 보상판매하고 새 차량을 구입하기 위한 자동차 대출을 받으려면 이 역자산을 갚아야 합니다.

    신용 조회가 없는 또는 “여기에서 구매하고 여기에서 납부”하는 자동차 대출 (No credit check or "buy here, pay here" auto loan)

    “신용 조회가 없는” 또는 “여기에서 구매하고 여기에서 납부”하는 자동차 대출은 일반적으로 신용이 없거나 신용이 좋지 않은 채무자에게 대리점이 “사내” 자동차 대출을 제공하는 것입니다.

    (영어로) 추가 정보 읽기

    원금 (Principal)

    원금은 원래 갚기로 동의한 돈입니다.

    일반적으로 자동차 대출에 대한 모든 납부금은 지불해야 할 모든 수수료(예: 연체료)에 먼저 적용됩니다. 다음으로는 해당되는 경우 연체된 이자를 포함하여 지불해야 할 모든 이자에 납부금의 잔액이 적용됩니다. 그런 다음 나머지 납부금은 대출의 원금 잔액에 적용됩니다.

    위험 기반 가격 책정 (Risk-based pricing)

    위험 기반 가격 책정은 소비자가 대출금을 상환하지 못할 것으로 예상되는 위험을 기반으로 대출업체가 각 소비자들에게 다른 이자율 또는 다른 기타 대출 조건을 제공할 때 발생합니다.

    (영어로) 추가 정보 읽기

    총비용 (Total cost)

    이는 대출 기간 동안 원금, 이자 및 모든 계약금 또는 보상판매를 포함하여 자동차를 구입하기 위해 지불하는 모든 금액을 말합니다.

    공정대출법 공시 (Truth in Lending disclosure)

    연방 공정대출법(줄여서 “TILA”)은 채무자가 법적으로 대출금을 상환해야 하는 법적 의무가 발생하기 전에 중요한 신용 조건에 대해 서면 공시를 받도록 규정하고 있습니다. TILA 공시에 포함된 정보와 공시를 언제 받고 검토해야 하는지 자세히 알아보시기 바랍니다.

    변동금리 대출 (Variable-rate financing)

    변동금리 대출은 우대 금리 또는 “지수”라고 하는 다른 금리에 따라 대출 금리가 변경될 수 있습니다. 변동금리 대출의 경우 지수 금리가 변함에 따라 대출 이자율이 달라지며, 이는 이자율이 오르거나 내릴 수 있음을 의미합니다. 이자율이 올라갈 수 있기 때문에 월 상환금도 올라갈 수 있습니다. 대출 기간이 길수록 금리가 인상될 수 있는 시간이 더 많기 때문에 변동금리 대출은 채무자에게 더 위험할 수 있습니다. 변동금리 대출은 대출의 한 종류입니다. 또 다른 대출의 종류로는 고정금리 대출이 있습니다.

    대출업체 단일 이익(VSI) 보험 (Vendor's Single Interest (VSI) insurance)

    VSI 보험은 차량이 손상되거나 파손되었을 경우 대출업체를 보호하지만 소비자는 보호하지 않습니다.

    현금 환산 가치(ACV) 기

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    은행 계좌 주요 용어

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    자동결제시스템(ACH) (Automated Clearing House (ACH))

    자동결제시스템(ACH) 승인은 대출업체가 소비자의 은행, 신용 조합 또는 선불 카드 계정에서 납기일에 납부금을 전자적으로 이체할 수 있도록 허용하는 결제 승인입니다. 이 승인은 취소할 수 있습니다.

    자동납부 (Automatic debit payment)

    자동납부는 해당 회사가 소비자의 은행 계좌에서 직접 납부금을 이체해 가도록 허용하는 것입니다. 이는 은행에서 제공하는 청구서 납부 기능과 다릅니다. 반복적인 청구서 납부는 소비자의 은행이나 신용 조합이 해당 회사로 납부금을 송금하도록 허용하는 것입니다.

    양도성예금증서(CD) (Certificate of deposit (CD))

    양도성예금증서 또는 CD는 은행 또는 신용 조합이 제공하는 특별한 유형의 저축 계좌입니다. 벌금을 내지 않으려면 지정된 기간 동안 자금을 CD에 보유해야 합니다.

    (영어로) 추가 정보 읽기

    양도성예금증서(CD) 연장 (Certificate of deposit (CD) rollover)

    CD 기간 종료 시 연장 또는 갱신을 할 수 있습니다.

    (영어로) 추가 정보 읽기

    송금환수표 (Demand draft)

    송금환수표는 본인 서명 없이 누군가가 당좌계좌에서 돈을 인출할 수 있도록 허용합니다.

    (영어로) 추가 정보 읽기

    입금 보류 (Deposit hold)

    은행 또는 신용 조합에서 소비자가 수표로 예금하는 자금을 보류하는 시간을 “입금 보류” 또는 “수표 보류”라고 합니다. 일부 은행 또는 신용 조합은 법적으로 요구하는 기간보다 더 빨리 자금을 풀 수 있으며, 일부는 유료로 자금을 더 빨리 풀 수도 있습니다.

    수탁자 (Fiduciary)

    수탁자란 다른 사람의 돈 또는 재산을 관리하는 사람입니다. 수탁자로 지명된 경우에는 법적으로 본인의 이득이 아니라 해당 돈과 재산의 소유주를 위해 돈과 재산을 관리하도록 요구됩니다.

    재산관리 후견인 (Guardian of property)

    재산관리 후견인은 법원에서 돈과 재산을 혼자서 관리할 수 없다고 판단한 사람의 돈과 재산을 관리하도록 법원이 지명하는 사람입니다.

    (영어로) 추가 정보 읽기

    개인 납세자 식별 번호(ITIN) (Individual taxpayer identification number (ITIN))

    ITIN은 국세청 (Internal Revenue Service) 에서 받는 식별 번호입니다. ITIN은 사회보장번호를 받을 수 없는 특정 비거주자 및 거주 외국인, 그리고 그의 배우자 및 부양가족에게만 제공됩니다.

    공동명의 계좌 (Joint account)

    친구나 가족 구성원이 본인을 대신하여 수표를 작성하고 입금을 할 수 있도록 하고 싶다면 공동명의 계좌 개설을 고려해 보시면 됩니다. 일반적으로 공동명의 계좌에 이름이 등록되어 있는 모든 사람은 수표 작성, 돈 출금, 거래, 자금 이체 또는 계좌를 해지할 수 있습니다. 예금주 중 한 명이 채무가 있다면, 채권자가 공동명의 은행 계좌에서 돈을 추심하려고 할 수도 있습니다.

    수시입출금식 저축성예금 (Money market account)

    수시입출금식 저축성예금은 은행과 신용 조합이 제공하는 특별한 유형의 계좌입니다.

    (영어로) 추가 정보 읽기

    잔액부족(NSF) 수수료 (Non-sufficient funds (NSF) fees)

    NSF 또는 잔액부족 수수료는 수표 또는 전자 승인이 계좌의 잔액부족으로 지급되지 않을 때 부과될 수 있습니다. 이는 흔히 “반환” 또는 “부도” 수표라 합니다.

    초과인출 (Overdraft)

    초과인출은 계좌에 거래를 위한 돈이 충분하지 않지만 은행이 거래를 위한 돈을 지급하는 경우에 일어납니다. 수표, ATM(현금 자동 입출금기) 거래, 직불카드 구매, 자동 청구서 납부 및 전자 또는 대면 출금에 의해 초과인출이 일어날 수 있습니다.

    많은 은행과 신용 조합은 일반적으로 은행 또는 신용 조합이 거래에 대해 돈을 지급하고 소비자에게 초과인출 금액 및 수수료를 부과하는 초과인출 보호 프로그램을 제공합니다. 초과인출은 연동된 계좌, 신용카드 또는 한도대출에서 자금 이체를 통해 지불할 수도 있습니다.

    개인 한도대출 (Personal line of credit)

    개인 한도대출은 수시로 이용할 수 있는 대출입니다. 특별한 수표를 작성하거나 전화 또는 온라인으로 본인의 당좌계좌로 이체를 요청합니다.

    신용카드 계정과 같이 신용 한도가 있고, 매월 청구서를 받고, 최소 결제금을 납부하고, 미결제 잔액에 따라 이자를 내고, 계정을 이용할 때마다 수수료를 낼 수 있습니다.

    개인 한도대출은 본인의 주택에 대한 담보 대출을 통해 받는 주택 담보 신용 대출(HELOC)과는 다르게 담보가 없습니다. 개인 한도대출은 은행과 신용 조합에서 제공되며 대부분 동일한 기관에 당좌 계좌도 있어야 합니다.

    위임장 (Power of attorney)

    위임장(POA)은 본인을 대신하여 다른 사람이 업무를 대행할 수 있도록 허용하는 법적 문서입니다. POA를 작성하는 것은 대리 의사 결정자를 지정하는 방법이며 변호사의 도움이 필요할 수 있지만 비교적 저렴합니다.

    재정적 POA는 미래의 행위능력 상실, 예를 들어 치매, 외상성 뇌 손상 또는 정신 기능에 영향을 미치는 기타 장애로 인해 재정적 결정을 내릴 수 없는 상황에 대비하는 수단으로 사용할 수 있습니다. 사전 계획을 위해 사용될 경우, POA는 일반적으로 “지속적”입니다. 이는 작성자가 행위능력을 상실하더라도 효력이 지속된다는 뜻입니다. 위임장 (POA) 에 대해 자세히 알아보려면 계속 읽어보시기 바랍니다.

    대리 수령인 (Representative payee)

    사회보장국(SSA)은 사회보장연금 또는 생활보조금(SSI)을 관리하는 데 도움이 필요한 사람들을 위해 대리 수령인을 지정합니다. 대리 수령인은 SSA에서 지급하는 혜택과 관련된 수표만 관리할 수 있습니다. 혜택을 받는 수혜자가 다른 돈이나 재산을 관리할 수 없는 경우, 대리 수령인이 다른 자금을 관리하기 위해서는 다른 출처로부터 법적 권한을 받아야 합니다. 예를 들어 대리 수령인은 법원에 의해 재산관리 후견인 으로 지정될 수 있습니다. 사회보장 혜택의 대리 수령인은 수탁자 가 됩니다.

    대리 수령인에 대한 자세한 정보는 다른 사람의 돈 관리에 대한 본 가이드 를 읽어보시기 바랍니다.

    취소 가능한 생전신탁 (Revocable living trust)

    취소 가능한 생전신탁은 신탁에 보관된 다른 사람의 돈 또는 재산에 대해 본인이 결정을 내릴 수 있도록 권한을 부여하는 법적 문서입니다.

    (영어로) 추가 정보 읽기

    재향군인 수탁자 대리 수령인 (Social Security representative payee)

    대리 수령인은 사회보장연금 또는 생활보조금(SSI)을 관리하는 데 도움이 필요한 사람들을 위해 사회보장국(SSA)에서 지정합니다.

    (영어로) 추가 정보 읽기

    재향군인 수탁자 (VA fiduciary)

    수탁자 란 다른 사람의 돈 또는 재산을 관리하는 사람입니다. 보훈부(VA)는 직접 자신의 자금을 관리할 수 없는 사람들을 위해 재향군인 혜택을 관리하도록 VA 수탁자를 지정합니다.

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    연이율(APR) (Annual percentage rate (APR))

    APR 또는 연이율은 대출 비용이 얼마인지 비교하는 표준적인 방법입니다. 이는 대출 상품의 비용을 “같은” 기준으로 비교할 수 있도록 합니다. 신용카드 회사는 소비자가 카드 사용에 동의하기 전 APR을 꼭 공시하여야 합니다.

    APR을 계산하려면 1년의 기간에 걸쳐 빌리는 금액에 대해 이자율과 수수료를 비교하여 산출해야 합니다. 이를 통해 신용카드 비용을 6개월 할부 대출과 비교할 수 있습니다. 이는 또한 APR이 보통 단순한 이자율과 다른 이유입니다.

    잔액 이체 (Balance transfer)

    잔액 이체는 아직 납부하지 않은 카드대금 잔액을 한 신용카드에서 다른 신용카드로 이체할 수 있도록 해주며 때로는 수수료가 부과됩니다. 수수료는 보통 이체하는 금액의 일정 비율 또는 고정된 금액 가운데 더 큰 금액이 부과됩니다. 많은 신용카드 회사들은 빚을 한 신용카드로 통합하도록 0% 또는 저금리 잔액 이체를 제공합니다. 대부분의 잔액 이체에 대한 홍보용 이자율은 제한된 기간 동안만 제공됩니다. 그 이후에는 새로운 신용카드의 이자율이 인상되어 납부금이 많아질 수 있습니다.

    납부금이 60일 이상 연체되는 경우, 신용카드 회사는 이체된 잔액을 포함하여 모든 잔액에 대해 이자율을 인상할 수 있습니다.

    크레딧 잔액 (Credit balance)

    청구서에 있는 크레딧 잔액 (credit balance) 은 카드 발급사가 소비자에게 지급해야 하는 금액입니다.

    크레딧은 소비자가 대금을 납부할 때마다 계정에 추가됩니다. 또한 신용카드로 산 것을 반품하거나 리워드 또는 이전 청구서 상의 실수로 인해 추가될 수 있습니다. 크레딧의 총액이 본인이 내야 하는 금액을 초과하는 경우, 명세서에 크레딧 잔액이 표시됩니다.

    (영어로) 추가 정보 읽기

    일간 정기 이자율 (Daily periodic rate)

    일부 카드 발급사는 일간 정기 이자율을 사용하여 이자를 계산합니다. 일간 정기 이자율은 하루가 끝날 때 지불해야 하는 금액에 이자율을 곱하여 이자를 계산합니다. 그런 다음 이 이자는 전 날의 잔액에 추가되는데 이는 이자가 매일 복리로 계산된다는 뜻입니다.

    유예기간 (Grace period)

    유예기간은 대금 청구 주기의 끝과 대금 결제 기일 사이의 기간을 말합니다. 기일까지 대금 전액을 납부하는 경우 이 기간 동안은 이자가 부과되지 않을 수 있습니다. 신용카드 회사는 유예기간을 제공하지 않아도 됩니다. 그러나 대부분의 신용카드 회사는 구매에 대해 유예 기간을 제공합니다.

    (영어로) 추가 정보 읽기

    이자율 (Interest rate)

    신용카드의 이자율은 돈을 빌리는 데 내는 비용입니다. 신용카드 이자율은 일반적으로 연간 이자율로 표시되며 이를 연이율(APR)이라고 부릅니다. 대부분의 카드는 매월 납기일까지 잔액을 전액 지불하면 구매한 것에 대해 이자를 내지 않아도 됩니다.

    사전 선별된 신용카드 제안 (Prescreened credit card offer)

    사전 선별된 신용카드 제안은 신용카드 회사가 신용평가기관의 정보를 사용하여 소비자의 신용 기록이 카드 회사에서 정한 기준을 충족하는 경우 소비자에게 확정된 신용을 제안하는 것입니다.

    (영어로) 추가 정보 읽기

    무단 사용 (Unauthorized use)

    일반적으로 무단 사용은 카드를 사용할 권리가 없는 사람이 신용카드를 사용한 것을 말합니다. 예를 들어, 카드를 분실하였는데 누군가가 그 카드를 찾아 사용한다면 이는 무단 사용한 것입니다.

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    신용 조회 (Credit inquiry)

    신용 조회는 본인의 신용 파일 열람을 요청하는 것을 말하며, 두 가지 유형 중 하나입니다.

    (영어로) 추가 정보 읽기

    신용 사각지대 (Credit invisible)

    2015년 CFPB에서는 2천6백만 명의 미국인들이 “신용 사각지대”에 놓여 있다는 보고서를 출판하였습니다. 이 수치는 성인 10명 중 1명은 전국 3대 신용평가기관 중 어느 곳에도 신용 기록이 없음을 나타냅니다. 추가로 천9백만 명의 소비자는 “점수를 매길 수 없는” 신용 파일을 가지고 있으며 이는 금융 이력 부족 즉 신용 기록이 불충분하거나(990만 명) 오래된 파일이라 최근 신용 기록이 부족함을 의미합니다(960만 명). 요약하자면 점수를 매길 수 있는 신용 기록이 없기 때문에 신용에 대한 접근이 거부될 수 있는 소비자의 수는 4천5백만 명에 이릅니다. 신용 사각지대에 놓여 있거나 점수를 매길 수 없는 신용을 가진 사람들은 일반적으로 양질의 신용에 접근할 수 없으며 신용을 얻는 것부터 아파트 임대에 이르기까지 다양한 문제에 직면할 수 있습니다.

    신용 모니터링 서비스 (Credit monitoring service)

    신용 모니터링 서비스는 소비자의 신용 보고서 를 주시하고 신용 보고서에 기재된 계정의 변동 사항에 대해 알림을 제공하는 유료 상업 서비스입니다.

    (영어로) 추가 정보 읽기

    신용 보고서 (Credit report)

    신용 보고서는 개인의 신용 활동과 대출 납부 내역 및 신용 계정 현황과 같은 현재의 신용 상황에 대한 정보를 담고 있는 내역서입니다.

    신용평가기관 (Credit reporting company)

    신용평가기관은 신용 조사 기관 또는 소비자 보고 기관으로 알려져 있으며 신용 보고서를 만들고 판매하는 회사입니다.

    신용 점수 (Credit score)

    신용 점수는 대출을 제때 갚을 확률을 예측합니다. 회사들은 스코어링 모델(scoring model)이라고 하는 수학 공식을 사용하여 신용 보고서에 있는 정보를 가지고 신용 점수를 생성합니다. 소비자에게 신용 점수는 “하나”만 있는 것이 아니며 대출업체뿐 아니라 소비자에게 제공되는 신용 점수도 여러 가지가 있다는 것을 아는 것이 중요합니다. 모든 신용 점수는 계산에 사용된 데이터에 따라 다르며 스코어링 모델, 신용 기록 출처, 대출 상품 유형 및 심지어는 계산 날짜에 따라 다를 수 있습니다.

    공정신용보고법 (Fair Credit Reporting Act)

    연방 공정신용보고법(FCRA)은 소비자 보고 기관의 파일에 있는 정보의 정확성, 공정성 및 개인정보보호를 증진합니다. 소비자 조사 기관 및 전문 기관(수표 작성 내역, 의료 기록 및 임대 내역 기록 정보를 판매하는 기관 등)을 포함하여 여러 유형의 소비자 보고 기관이 존재합니다. FCRA에 따른 주요 권리 에 대해 자세히 알아보시기 바랍니다.

    파이코 점수 (FICO score)

    파이코® 점수(FICO score)는 특정한 브랜드의 신용 점수입니다.

    (영어로) 추가 정보 읽기

    사기 경보 (Fraud alert)

    사기 경보는 신규 계좌 개설, 추가 카드 발급, 또는 소비자 요청에 따라 기존 계좌의 신용 한도 증액 전에 소비자의 신용 보고서를 확인하는 채권자가 소비자의 신원도 확인하도록 요구합니다. 소비자가 한 곳의 전국 신용평가기관을 통해 신용 보고서 에 사기 경보를 설정해 놓은 경우 해당 기관은 다른 기관에 통보하여야 합니다. 사기 경보의 주요 유형 두 가지로는 초기 사기 경보와 확장형 경보가 있습니다.


    무료     신용 보고서 (Free credit report)

    AnnualCreditReport.com 을 방문하여 각 3대 주요 소비자 신용 평가 회사(Equifax, Experian 및 TransUnion)에서 매년 신용 보고서 1본을 무료로요청할 수 있습니다. AnnualCreditReport.com 을 방문하시면 무료로 온라인에서 최신 신용 보고서를 조회하는 방법이 나와 있습니다. 연간 무료 신용보고서를 받은 후에도, 추가로 보고서를 요청할 수 있습니다. 법에 의하여 신용 평가 회사는 신용 보고서에 대해 $14.50이 넘는 금액을 부과할 수 없습니다.

    (영어로)자세히 읽어보기


    신원 모니터링 또는 신원 도용 보호 (Identity monitoring or identity theft proection)

    신원 도용 보호 서비스는 신용 신청서, 공공 기록, 웹사이트 및 기타 장소에서 개인적으로 식별 가능한 정보를 모니터링하여 신원 도용이 의심되는 비정상적인 활동을 찾습니다.

    (영어로) 추가 정보 읽기

    신원 도용 (Identity theft)

    신원 도용은 누군가가 본인의 신원을 도용하여 사기를 행할 때 발생합니다. 신원을 도용하는 것은 다음과 같은 개인 정보를 본인의 허락 없이 사용하는 것을 뜻할 수 있습니다.

    • 이름
    • 사회보장번호
    • 신용카드 번호

    현역 군인 경보 (Military active duty alert)

    군인(예: 해병대, 육군, 해군, 공군, 해안경비대)은 현역 군인 경보를 요청할 수 있습니다. 신용 보고서에 현역 군인 경보를 설정하면 채권자는 계정 개설, 기존 계정에 신용카드 추가 발급 또는 기존 계정에 신용 한도를 늘리기 전에 요청한 사람이 실제로 본인인지 확인하기 위해 합당한 조치를 취해야 합니다. 현역 경보는 12개월 동안 지속됩니다. 또한 2년 동안 전국 신용평가기관의 신용 제안 및 보험에 대한 사전 선별 마케팅 목록에서 이름이 삭제될 것입니다.

    지불된 추심 (Paid collection)

    지불된 추심은 연체되어 추심으로 넘어갔다가 지불된 계정입니다.

    (영어로) 추가 정보 읽기

    보안 잠금 (Security freeze)

    신용 보고서에 “보안 잠금”을 설정해두면 본인이 잠금을 풀 때까지 신규 채권자가 본인의 신용 파일에 접근하거나 다른 이들이 본인의 명의로 계정을 개설하는 것을 막을 수 있습니다. 대부분의 사업체들은 신용 보고서 조회 없이 신용 계정을 개설하지 않으므로 잠금은 신원 도용 범죄자들이 본인의 명의로 새로운 계정을 개설하는 것을 막습니다.

    전문 소비자 평가 회사 (Specialty consumer reporting company)

    전문 소비자 평가 회사는 고용 이력, 사업체와의 거래 내역 또는 특정 상품이나 서비스에 대한 상환 내역에 대한 정보를 수집하고 공유합니다.

    세입자 심사 보고서 (Tenant screening report)

    임대인이 사용하는 보고서로 잠재적 세입자에 대해 결정을 내리는 데 도움이 됩니다. 세입자 심사 보고서는 본인의 임대 내역과 신용 보고서를 포함하여 여러 출처에서 뽑은 정보를 담을 수 있습니다.

    (영어로) 추가 정보 읽기

    금융 이력 부족 또는 신용 파일 없음 (Thin credit file / No credit file)

    금융 이력 부족 또는 신용 파일 없음은 신용 이력이 없거나 신용 점수를 생성하기 위한 충분한 신용 이력이 현재 없음을 뜻합니다. 참고: 신용 사각지대

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    신용상담사 (Credit counselor)

    신용상담사는 다음에 대해 도움을 줄 수 있습니다.

    • 돈과 부채 관리에 대한 조언
    • 예산 계획
    • 무료 교육 자료와 워크샵 제공
    • 일반적으로 신용상담사는.소비자 신용, 돈, 부채 관리 및 예산 계획에 대해 인증 및 교육을 받은 사람입니다. 상담사들은 개인의 전체 금융 상황에 대해 협의하고 돈 문제들을 해결하기 위해 맞춤화된 계획을 개발합니다. 

    채권추심 규정 (Debt Collection Rule)

    CFPB는 2021년 11월 30일에 연방 공정채권추심법(FDCPA)을 명확히 하고 해석하는 “규정”을 발표했습니다.

    (영어로) 추가 정보 읽기 

    채권추심자 (Debt collector)

    연방 공정채권추심법에 따르면 채권 추심업자는 일반적으로 다른 사람 또는 회사에 빚진 부채가 보통 연체된 경우에 정기적으로 추심하는 사람입니다.

    채권추심자는 채권추심 기관 또는 사업의 일부로 추심을 하는 변호사를 포함합니다. 또한 채권자 또는 기타 사업체로부터 연체된 부채를 구매하여 추심하려는 회사들도 있습니다. 이러한 채권추심자들은 또한 채권추심 기관, 채권추심 업체 또는 부채 구매자라고 부르기도 합니다. 

    채무조정(탕감) 서비스 (Debt settlement (relief) services)

    채무조정 회사들은 채권자 또는 채권 추심업자에게 진 부채의 조건을 재협상, 합의 또는 변경할 수 있다고 이야기하는 회사들입니다. 채무조정 회사들과 거래하는 것은 위험할 수 있습니다.

    (영어로) 추가 정보 읽기 

    공정채권추심법(FDCPA) (Fair Debt Collection Practices Act (FDCPA))

    공정채권추심법(FDCPA)은 채권추심 관행을 규율하는 주요 연방법입니다. FDCPA는 채권추심 회사들이 채무자로부터 채권을 추심하기 위해 폭력적이거나 불공정하고 기만적인 관행을 사용하는 것을 금지합니다. FDCPA에 따라 보장되는 권리에 대한 정보를 자세히 읽어 보시기 바랍니다. 

    채권 압류 (Garnishment)

    임금 압류 또는 은행 계좌 채권 압류는 채권자가 채무자의 급여 일부 또는 은행 계좌에서 돈을 가져가 빚진 돈을 회수하는 경우 발생합니다. 채권 압류는 일반적으로 판결 로 인한 법원 명령이 요구됩니다. 그러나 정부에게 빚진 특정 부채는 판결 없이 압류로 이어질 수 있습니다.

    주정부 및 연방 법에는 일반적으로 생활비를 보장할 수 있도록 은행 계좌 및 임금 압류에 적용되는 한도 또는 “면제”가 있습니다. 또한 임금이 합법적으로 압류될 수 없는데 채권추심자가 임금이 압류될 것이라고 위협하는 것은 공정 채권추심법(FDCPA)에 위반됩니다. 

    채권추심자에 의한 괴롭힘 (Harassment by a debt collector)

    공정채권추심법(FDCPA)에 따르면 채권 추심업자는 채무자 본인 또는 연락을 하는 다른 이들을 괴롭히거나, 억압 또는 학대할 수 없습니다.

    채권추심자에 의한 괴롭힘은 여러 형태로 나타날 수 있습니다. 예를 들면 채무자 또는 전화를 받는 사람을 짜증 나게 하거나 학대 또는 괴롭히기 위한 반복적인 전화, 외설적이거나 모독적인 언어 사용, 폭력 또는 해를 가하겠다는 위협, 부채 상환을 거부하는 사람들의 명단 게시(신용평가기관에 하는 정보 보고는 포함되지 않음) 및 누구인지 밝히지 않고 전화하기 등이 있습니다. 

    판결 (Judgment)

    판결은 법원 소송에 대한 공식적인 결과입니다. 채권추심 소송에서 판사는 채권자 또는 채권추심자 에게 채무자에 대한 판결을 내릴 수 있습니다. 법적 고소장에 응답하지 않는 경우, 자신을 변호할 수 있는 기회를 잃게 되며 본인에게 불리한 판결이 내려질 수 있습니다.

    누군가가 본인을 고소하거나 본인에 대한 판결을 확보한 경우에 어떻게 해야 할지 모르겠다면 변호사와 상담하시기 바랍니다. 어떤 변호사들은 무상으로 서비스를 제공하거나 감액된 비용을 청구할 수 있습니다. 또한 특정 기준을 충족할 경우 무상으로 서비스를 제공하는 법률 구조 사무 소 또는 법률 클리닉이 해당 지역에 있을 수 있습니다. 군인들은 지역 JAG 사무소 에 상담하시기 바랍니다. 

    제한된 내용 메시지 (Limited-Content Message)

    채권추심 규정에 의거하여, 소비자에게 남기는 음성사서함 메시지는 특정 필수 정보를 포함해야 하고 기타 선택적 내용을 포함할 수 있습니다.

    (영어로) 추가 정보 읽기 

    원채권자 (Original creditor)

    일반적으로 원채권자는 채무자에게 대출 또는 신용을 준 회사입니다. 원채권자는 연체된 신용 계정을 직접 추심하거나 채권추심자를 고용할 수 있습니다. 원채권자는 채무자의 신용 계정을 채권추심자에게 팔 수도 있습니다. 채권추심자는 일반적으로 특정 채무자의 계정에 대하여 채권추심을 하도록 계약된 제3자, 또는 부채를 원채권자, 다른 채권추심자 또는 채무 구매자로부터 구매한 이를 말합니다. 

    소멸시효 (Statute of limitations)

    소멸시효는 채권자나 채권추심자가 채무를 회수하기 위해 소송을 제기 해야 하는 제한된 기간입니다. 대부분의 소멸시효는 3년에서 6년 사이이지만, 특정 관할권에서는 더 연장될 수도 있습니다. 소멸시효는 주정부 법, 부채 유형, 신용 계약서에 명시된 주정부 법에 따라 다를 수 있습니다. 

    세부명세 통지 (Validation Notice)

    채권추심자는 소비자와 처음 연락할 때 또는 그 직후 특정 정보를 제공해야 합니다. 채권추심자가 이 필수 정보를 전자적으로 또는 서면으로 제공하는 경우 이를 세부명세 통지라고 합니다.

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    Fraud and scams key terms (in Korean)
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    사기 핵심 용어

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    고령자 재정적 착취 (Elder financial exploitation)

    고령자 재정적 착취는 고령자의 자금, 부동산 또는 자산의 불법 또는 부적절한 사용입니다. 가장 흔한 유형의 고령자 학대이지만, 오직 소수의 사건만이 신고됩니다.

    가해자는 고령자의 신뢰를 얻은 낯선 사람일 수도 있지만 가족이나 친구일 수도 있습니다. 경고 신호를 아는 것이 중요합니다. (영어로) 추가 정보 읽기.

    부동산 압류 경감 사기 (Foreclosure relief scam)

    부동산 압류 경감 및 모기지 대출 조건 조정 사기는 부동산 압류로부터 구제해주겠다는 허위의 약속으로 돈 또는 주택을 뺏으려는 책략입니다. 이러한 사기꾼들은 선불로 돈을 요구하고 모기지 조건 조정을 보장한다고 주장할 수 있습니다. 모기지 납부금을 지불하는데 어려움을 겪고 있는 경우 HUD 승인 주택 상담 기관이 무료로 귀하의 선택권을 설명해드릴 수 있습니다.

    예방을 위한 사기 경보 (Fraud alert for prevention)

    사기 경보는 새로운 계정의 신원 도용의 피해자가 될 가능성을 줄이기 위해 사용할 수 있는 것입니다. 이는 신규 계좌를 개설, 추가 카드 발급, 소비자 요청에 따라 기존 계좌의 신용 한도 증액 전에 본인의 신용 보고서를 확인하는 채권자가 귀하의 신원을 확인하도록 요구합니다. 본인이 한 곳의 전국 신용 평가 회사를 통해 신용 보고서에 사기 경보를 걸어 놓을 경우 해당 회사는 타사에 통보하여야 합니다.

    사기 경보에는 주요 유형 두 가지, 첫 사기 경보 및 연장된 경보가 있습니다. 군인에게는 추가적 옵션으로 현역 경보가 있으며 군인이 현역으로 근무하는 동안 보호를 제공합니다.

    (영어로) 추가 정보 읽기.

    수탁자에 의한 사기 (Fraud by fiduciaries)

    수탁자는 다른 이의 돈과 부동산을 관리하는 사람입니다. 예를 들어, 위임장을 동한 대리인 또는 법원 지명 보호자는 수탁자입니다.

    본인이 수탁자로 지명된 경우, 본인의 이득이 아닌 해당되는 이의 이득을 위해 그의 돈과 부동산을 관리하도록 법이 요구합니다. 수탁자가 자신의 이득을 위해 돈을 쓰는 경우, 이는 사기일 수 있습니다.

    신원 도용 (Identity theft)

    신원 도용은 누군가가 본인의 신원을 도용하여 사기를 행할 때 발생합니다.

    본인의 신원을 도용하는 것은 본인의 이름, 사회 보장 번호, 은행 계좌 정보 또는 신용 카드 번호와 같은 개인 정보를 본인의 허락 없이 사용하는 것을 뜻할 수 있습니다 신원 도용 방지와 대응에 대해 연방 통상 위원회 정보 가 제공됩니다.

    사칭 사기 (Imposter scams)

    사칭 사기꾼은 보안관, 지역, 주 또는 연방 정부 직원 또는 자선 단체와 같이 귀하가 알고 있거나 신뢰하는 사람인 것처럼 가장하여 돈을 보내도록 설득하려 합니다. 발신자 번호는 위조될 수 있음을 기억하십시오. 돈을 주기 전에 언제든지 조직이나 정부 기관에 전화하여 그 사람이 그 곳에서 일하는지 물어볼 수 있습니다.

    우편 사기 (Mail fraud)

    우편 사기 편지는 진짜처럼 보이지만 약속은 가짜입니다. 일반적인 경고 신호는 돈이나 정보를 보낸 후에 귀중한 것을 얻기 위해 지금 돈이나 개인 정보를 보내달라고 요청하는 편지입니다.

    피싱 (Phishing)

    피싱에서 사기꾼은 기업이나 개인을 사칭하여 암호, 신용 카드 번호 또는 은행 계좌 정보와 같은 개인 정보를 제공받도록 귀하를 속입니다. 사기꾼은 사기성 이메일, 문자 또는 웹사이트를 사용하여 이 정보를 도용할 수 있습니다. 이러한 이메일은 진짜처럼 보일 수 있습니다.

    예방을 위한 보안 동결 (Security freeze for prevention)

    보안 동결은 본인이 동결을 풀 때까지 신규 채권자가 본인의 신용 파일에 접근하고 다른 이들이 본인의 명의로 계정을 개설하는 것을 막습니다.

    대부분의 사업체들은 귀하의 신용 보고서 조회 없이 신용 계정을 개설하지 않으므로 동결은 신원 도용 범죄자들이 본인의 명의로 새로운 계정을 개설하는 것을 막습니다. 동결은 신원 도용 범죄자들이 기존 계정을 탈취하는 것을 막지 못한다는 점에 유의하십시오.

    (영어로) 추가 정보 읽기.

    스푸핑 (Spoofing)

    스푸핑은 발신자가 표시된 발신자 정보를 위장할 때 발생합니다. 이는 발신자가 특정 위치에서 특정 사람으로 전화를 거는 것처럼 나타나도록 이름 및/또는 번호를 위장하거나 “스푸핑”할 수 있습니다.

    전신 송금 또는 자금이체 사기 (Wire or money transfer fraud)

    사기꾼들은 귀하로부터 돈을 훔치기 위해 돈을 송금하거나 이체하도록 속입니다. 전신 송금 사기의 일반적인 예는 “조부모 사기”입니다. 손주나 손주의 친구로 가장한 사기꾼이 전화를 걸어 외국에 있다거나 무슨 일이 생겨 당장 전신 송금이나 이체가 필요하다고 말하는 경우입니다.

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    How to avoid foreclosure (in Korean)
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    부동산 압류를 피하는 방법

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    모기지 상환에 어려움을 겪고 있을 때 가장 중요한 일은 상황을 통제하는 것입니다. 대부분의 경우, 아무것도 하지 않는 것이 가장 나쁜 선택입니다. 상황을 통제한다는 것은 다음 네 가지 단계를 따르는 것을 의미합니다.

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    1. 도움을 요청하는 전화를 하거나 받으세요.

    도움을 요청하기 위해 모기지 서비스 기관에서 오는 전화를 받도록 합니다. 더 좋은 방법은 월 상환금을 낼 수 없다는 사실을 알게 되는 즉시 모기지 서비스 기관으로 전화를 하는 것입니다. 전화번호는 매월 받는 모기지 명세서에 적혀 있습니다. 월 상환금을 낼 수 없는 이유를 모기지 서비스 기관에 알리고 압류를 피하기 위한 도움을 요청하시기 바랍니다.

    2. 무료 전문가의 도움을 요청하세요.

    대출 상환에 문제가 생기면, 대출 서비스 기관에서 도움을 줄 수 있습니다. 대출 서비스 기관으로부터 필요한 도움을 받을 수 없다면, 가까이에 있는 주택 상담기관을 통해 전문가의 도움을 요청하시기 바랍니다. 상담사는 맞춤형 행동 계획을 세워주고 모기지 회사와 함께 상황을 해결할 수 있도록 도와줄 수 있습니다. HUD 공인 주택상담사를 찾으시려면 웹사이트(consumerfinance.gov/mortgagehelp)를 방문하거나 (800) 569-4287로 전화하여 우편 번호를 입력하시면 됩니다.

    3. 사기를 조심하세요.

    사기꾼들은 도움을 주겠다는 거짓된 약속을 하며 수천 달러에 이르는 많은 돈을 요구하여 어려움에 처한 주택 소유자를 이용하려고 합니다. 부동산 압류를 피하기 위해 누군가에게 돈을 지불할 필요가 없습니다. 필요한 도움은 모기지 서비스 기관이나 HUD 공인 주택 상담 기관을 통해 무료로 받을 수 있습니다.

    4. 지원을 신청하세요.

    모기지 서비스 기관은 채무자에게 연락하여 정확한 정보를 제공하고, 받을 수 있는 손실 경감 옵션에 대해 알려주어야 합니다. 손실 경감이란 부동산 압류를 피하기 위해 모기지 서비스 기관과 채무자가 협력하는 것을 말합니다. 작성한 신청서를 모기지 서비스 회사로 일찍 보내면 주택을 유지할 수 있는 방법에 대해 안내해 주거나, 더 합리적인 경우에는 주택을 떠나는 방법에 대해 설명해 주어야 합니다.

    주택상담사는 사람들의 부동산이 압류되지 않도록 도와준 경험이 풍부합니다. 채무자의 선택안에 대해 이해하고 지원을 신청하기 위한 복잡한 절차에 대해 도움을 줄 수 있습니다. 모기지 서비스 기관은 납부금이 120일이 넘게 연체되어야 처음으로 부동산 압류 통지서를 보내거나 압류 신청을 할 수 있습니다. 추가로, 모기지 지원 신청서를 일찍 제출한다면, 이에 대한 검토를 하는 동안 또는 변경된 대출 조건을 준수하는 동안은 압류 절차를 개시할 수 없습니다. 그러니 지체하지 말고 지금 신청하시기 바랍니다. 신청서를 더 빨리 접수할수록 더 많은 보호를 받을 수 있습니다.

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    부동산 압류 사기를 의심해야 하는 경우

    부동산 압류 사기꾼들은 주택을 압류 당하지 않게 도와주겠다고 하면서 실제로는 사람들의 돈만 가져갑니다.

    다음과 같은 사기 경고 신호를 주의하시기 바랍니다.

    • 도움을 받기 위해서는 선불로 돈을 지불하라고 요구합니다.
    • 해당 업체가 모기지 조건을 변경해 주겠다고 보장합니다.
    • 해당 업체가 주택을 잃지 않게 해주겠다고 보장합니다.
    • 주택 소유권을 양도하게 하거나 이해하지 못하는 다른 서류에 서명하라고 요구합니다.
    • 모기지 회사 또는 모기지 서비스 기관이 아닌 곳으로 납부금을 보내라고 지시합니다.
    • “포렌식 감사”를 제안합니다.
    • 모기지 납부금을 내지 말라고 합니다.
    • 해당 업체가 정부와 연계되어 있다고 하며 정부의 날인과 비슷하지만 살짝 다르게 생긴 로고를 사용합니다.
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    금융상품 또는 서비스에 대한 민원 접수

    금융상품과 서비스에 대해 매주 만 건 이상의 민원을 관련 업체로 보내 응답을 받고 있습니다. 다른 부처에서 보다 더 잘 지원할 수 있는 경우, 민원을 이송하고 해당 사실을 안내드립니다. 답변은 일반적으로 15일 내에 받을 수 있습니다.

    • 온라인 (영어)
    • 또는 (855) 411-2372 로 전화하여 한국어 및 180개 이상의 언어로 도움을 받을 수 있습니다. 전화는 보통 1분 내로 받습니다. 접수된 민원은 영어로 번역되어 답변을 받기 위해 해당 업체로 발송됩니다. 해당 업체에서는 보통 영어로 답변을 하지만 이 전화번호로 연락하여 번역된 답변을 들을 수 있습니다.
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    Mortgages key terms (in Korean)
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    모기지 핵심 용어

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    5/1 조정이율 담보대출 (5/1 Adjustable Rate Mortgage)

    5/1 조정이율 담보대출(ARM) 또는 5년 ARM은 첫 “5”년 동안 귀하의 초기 이자율이 고정된 담보대출을 말합니다. “1”은 초기 5년 기간 이후 이자율이 얼마나 자주 바뀌는지를 대표합니다. 가장 흔한 고정 기간은 3, 5, 7, 10년이며 “1”은 제일 흔한 조정 기간입니다. ARM을 고려하고 있는 경우 주의 깊게 계약서를 읽어보고 질문을 하는 것이 중요합니다.

    변동이율이 어떻게 변하는지 자세히 알아보십시오. 



    상환 능력 규칙 (Ability-to-repay rule)

    상환 능력 규칙은 대부분의 담보 대출 기관이 귀하가 대출금을 상환할 수 있는지에 대한 합리적이고 선의의 판단입니다.

    (영어로) 추가 정보 읽기 



    조정이율담보대출 (ARM) (Adjustable Rate Mortgage (ARM))

    조정이율 담보대출(ARM)은 일반적으로 금리 지수와 관련하여 금리가 변경될 수 있는 대출 유형입니다. 대출 도입 기간, 이자율 상한선 및 지수 이자율에 따라 월별 지불액이 올라가거나 내려갑니다. ARM을 사용하면 초기 이자율과 월 지불액이 고정 금리 담보대출보다 낮을 수 있지만, 이자율과 월 지불액이 모두 상당히 증가할 수 있습니다.

    ARM 작용법과 고려사항 에 대해 자세히 알아보십시오. 



    상각 (Amortization)

    상각은 시간이 지남에 따라 정기적인 지불로 대출을 갚는 것을 의미하므로 지불할 때마다 빚진 금액이 줄어듭니다. 대부분의 주택 융자는 할부 상환되지만 일부 모기지 융자는 전액 상각되지 않으므로 지급액을 모두 지불하고도 빚이 남아 있습니다.

    일부 주택 융자는 지불해야 할 이자 금액 또는 지불해야 할 이자보다 적은 금액만 지불할 수 있도록 허용합니다. 지불금이 매달 지불해야 할 이자보다 적을 경우 모기지 잔액은 줄어들지 않고 늘어날 것입니다. 이를 역상각이라고 합니다. 대출 기간 동안 완전히 상각되지 않는 다른 대출 프로그램은 대출 기간이 끝날 때 일시불의 “최종회 잔액의 일괄 지불”을 요구할 수 있습니다. 어떤 유형의 대출을 선택하는지 꼭 확인하십시오.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    융자 금액 (Amount financed)

    대출 기관으로부터 빌리는 돈의 금액에서 대출 기관이 부과하는 선불 수수료의 대부분을 뺀 금액을 말합니다.

    (영어로) 추가 정보 읽기 



    연소득 (Annual income)

    연소득은 모기지 대출 신청의 한 요소이며 일반적으로 1년 동안 벌어들인 총 세전 소득을 말합니다. 연소득은 전임 또는 파트타임 근로, 자영업, 팁, 커미션, 초과 근무, 보너스 또는 기타 출처의 소득이 포함할 수 있습니다. 대출자는 귀하의 연소득 및 기존 월 부채에 대한 정보를 사용하여 귀하가 대출금을 상환할 능력이 있는지 판단합니다.

    대출자가 귀하의 대출을 고려할 때 특정 수입원이나 금액에 의존할지 여부는 계속해서 소득이 합리적으로 지속될지 여부에 따라 종종 달라집니다.

    귀하의 상환 능력이 왜 대출자에게 중요한지 자세히 알아보십시오. 



    연이율 (APR) (Annual Percentage Rate (APR))

    연이율(APR)은 이자율보다 돈을 빌리는 비용의 더 넓은 척도입니다. APR에는 이자율, 포인트, 모기지 중개 수수료 및 대출을 받기 위해 지불하는 기타 비용이 반영됩니다. 이러한 이유로 APR은 일반적으로 이자율보다 높습니다.

    APR 비교 방법을 배우십시오 



    감정 수수료 (Appraisal fee)

    감정 수수료는 구입하려는 주택 또는 이미 소유하고 있는 주택의 주택 감정 비용입니다. 주택 감정은 부동산 가치에 대한 독립적인 평가를 제공합니다. 대부분의 경우 감정인 선택 및 관련 비용은 대출자에게 달려 있습니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    자동 납부 (Automatic payment)

    자동 납부를 사용하면 은행을 통해 반복 모기지 납부를 설정할 수 있습니다. 자동 납부는 납부금이 적시에 지불되도록 확실히 하는데 편리한 방법입니다. 



    벌룬론 (Balloon loan)

    모기지의 경우 벌룬론은 일반적으로 대출 기간 만기 때 일반 대출금보다 더 큰 일회성 납부금이 있을 경우를 뜻합니다. 이 일회성 납부금은 “만기 일시상환”이라고 하며 다른 납부금보다 높으며, 때로는 훨씬 더 높습니다. 만기 일시상환금을 지불할 수 없는 경우 차환하거나 집을 팔거나 압류를 직면할 수도 있습니다.

    벌룬론이 왜 위험할 수 있는지 알아보십시오. 



    격주 납부 (Bi-weekly payment)

    격주 납부 제도에서 모기지 관리 회사는 2주마다 귀하의 월 납부금의 절반을 징수하여 1년 동안 총 26번의 납부금을 지불하게 됩니다(총 1년에 추가 월 납부 1회). 추가 금액을 납부하고 납부금을 원금에 적용함으로써 대출금을 조기에 상환할 수 있습니다. 격주 납부를 선택하기 전에 대출 조건을 검토하여 그렇게 할 경우 선불 벌금이 부과되는지 확인하십시오. 귀하의 관리 회사가 격주 납부 제도에 대해 수수료를 부과하는지 확인하십시오. 매년 추가로 월간 모기지 납부금을 지불함으로써 수수료 없이 똑같은 목표를 달성할 수도 있습니다. 



    클로징 공개서 (Closing Disclosure)

    클로징 공개서는 선택한 모기지 대출에 대한 최종 세부 정보를 제공하는 5장의 필수 양식입니다. 여기에는 대출 조건, 예상 월 상환금, 모기지를 받기 위해 지불할 수수료 및 기타 비용이 포함됩니다.

    귀하의 클로징 공개서에 대출에 대한 모든 세부 정보가 정확한지 재확인하는 방법을 배우십시오.



    건설 대출 (Construction loan)

    건설 대출은 일반적으로 집을 짓거나 복구하는 비용을 충당하기 위한 자금을 제공하는 단기 대출입니다.

    (영어로) 추가 정보 읽기 



    통상 대출 (Conventional loan)

    통상 대출은 정부(예: 연방 주택 관리국, 보훈부 또는 농업부 대출 프로그램)가 보장하거나 보증하지 않는 모기지 대출입니다.

    통상 대출 및 기타 대출 유형 에 대해 자세히 알아보십시오. 



    공동 서명자 또는 공동 차입자 (Co-signer or co-borrower)

    공동 서명자 또는 공동 차입자는 귀하와 함께 모기지 대출을 상환하기 위해 전적인 책임을 지는 데 동의하는 사람입니다. 이 사람은 미납된 금액을 지불해야 하며 귀하가 지불하지 않을 경우 대출금 전액을 지불해야 합니다. 일부 모기지 프로그램에서는 공동 서명자를 소유권이 없고 모기지 주택에 대한 소유 지분이 없는 사람으로 구별합니다. 모기지 대출에 대한 공동 서명자 또는 공동 차입자가 있으면 대출 기관은 대출금이 상환될 것이라는 추가적인 확신을 갖게 됩니다. 그러나 대출금을 상환하지 않으면 공동 서명인 또는 공동 차입자의 신용 기록과 재정이 위험에 처하게 됩니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    신용 기록 (Credit history)

    신용 기록은 귀하의 신용 보고서에 표시된 대로 귀하의 신용 계정 및 적시 납부에 대한 기록입니다. 신용 평가 회사라고도 하는 소비자 신고 회사는 귀하의 신용 기록에 대한 정보를 수집 및 업데이트하며 이를 귀하에 대한 결정을 내리는 다른 사업체에게 제공합니다. 신용 보고서에는 대출 납부 내역 및 신용 계정 상태와 같은 신용 활동 및 현재 신용 상황에 대한 정보가 담겨 있습니다.

    주택 매입 전 귀하의 신용 기록을 확인하는 것에 대해 자세히 알아보십시오. 



    신용 보고서 (Credit report)

    신용 보고서는 본인의 신용 활동과 대출 납부 내역 및 신용 계정의 현황과 같은 현재 신용 상황에 대한 정보를 담은 내역서입니다. 대출자들은 귀하의 신용 점수와 신용 보고서에 있는 정보를 사용하여 귀하가 대출에 적격한지와 얼마의 이자율을 제의할지 판단합니다.

    신용 보고서 사본 을 받는 방법을 알아보십시오. 



    신용 점수 (Credit score)

    신용 점수는 본인이 대출을 갚을 확률이 얼마인지 예측합니다. 회사들은 채점 모델이라고 하는 수학 공식을 사용하여 신용 보고서의 정보로부터 신용 점수를 생성합니다. 다른 채점 모델이 존재하므로 신용 점수는 하나만 있지 않습니다. 본인의 점수는 본인의 신용기록, 대출 상품이 유형, 심지어는 계산 일에 따라 다릅니다.

    신용 점수를 확인하는 곳 을 알아보십시오. 



    총부채 상환 비율 (Debt ratio)

    총부채 상환 비율은 본인의 월간 부채 상환금을 총 월소득으로 나눈 것입니다. 본 수치는 대출업체가 본인이 빌릴 돈의 상환을 위한 월간 납부금 관리 능력을 측정하는 한 가지 방법입니다.

    총부채 상환 비율 계산 법을 배우십시오. 



    유질처분과 관련한 양도증서 (Deed-in-lieu of foreclosure)

    유질처분과 관련한 양도증서는 압류 절차를 피하기 위해 본인이 자발적으로 주택 소유권을 대출자에게 양도하는 것을 말합니다. 유질처분과 관련한 양도증서는 모기지에 남은 잔액에 대한 개인적 책임을 피하는 것을 도울 수 있습니다. 재산 가치와 모기지 대출에 남아 있는 금액 간의 차액인 부족분에 대한 본인이 책임을 지는 주에 거주하는 경우, 대출업체에 부족분을 면제해 달라고 요청하는 것이 좋습니다. 대출업체가 부족분을 면제해주는 경우, 면제서를 서면으로 받아 기록용으로 보관하십시오. 유질처분과 관련한 양도증서는 손실 경감 의 한 유형입니다. 



    연체 (Delinquent)

    연체는 납부금 체납의 다른 용어입니다. 납부금을 내지 않았거나 기일까지 납부금 전액을 내지 않은 경우 본인의 대출이 연체될 수 있습니다. 특정한 기간 동안 연체되는 경우, 대출업제 또는 관리 회사는 압류 절차를 개시할 수 있습니다. 기간은 주마다 다를 수 있습니다.

    부동산 압류 개시 시점에 연방 규정이 적용될 수 있습니다. 모기지를 낼 수 없는 경우의 선택권에 대해 자세히 알아보십시오.



    요구 기능 (Demand feature)

    클로징 공개서에 “귀하의 대출에는 요구 기능이 있습니다”라고 기재되어 있으며, 이에 “예” 또는 “아니오”라고 체크 표시된 내용이 있습니다. 요구 기능은 대출업체가 귀하에게 조기 납부를 요구하는 것을 허용합니다.

    (영어로) 추가 정보 읽기 



    계약금 (Down payment)

    계약금은 주택에 대해 선불로 내는 금액입니다. 주택 가치의 몇 퍼센트를 계약금으로 내고 모기지 대출을 통해 나머지를 빌립니다. 일반적으로 계약금을 더 많이 낼수록 더 낮은 이자율을 받게 되며 대출이 승인될 확률도 더 높습니다.

    계약금을 정하는 것에 대해 자세히 알아보십시오. 



    계약금 프로그램 또는 보조금 (Down payment programs or grants)

    계약금 보조금 또는 프로그램은 일반적으로 정부 또는 비영리 기관과 같은 조직에서 주택 구입을 위한 계약금을 지원하기 위해 주택 구매자에게 제공하는 지원금을 말합니다. 자금은 완전한 보조금으로 제공되거나 주택이 매각되는 경우 등과 같은 상황에서 상환을 요구할 수 있습니다.

    계약금 프로그램 및 보조금에 대한 정보를 어디서 구할 수 있는지 알아보십시오. 



    약조금 (Earnest money)

    약조금은 구매자가 주택 구매를 위해 서명한 계약에 대하여 선의를 보여주기 위해 지불하는 보증금입니다. 이 보증금은 판매자나 부동산 중개인 또는 소유권 회사와 같은 제3자가 보유합니다. 주택 매매가 확정되거나 “종료”되면 계약금은 클로징 비용이나 계약금에 적용될 수 있습니다. 허용 가능한 사유로 계약이 해지되면 계약금은 매도인에게 반환됩니다. 구매자가 선의로 이행하지 않으면 약조금은 몰수되어 판매자에게 지급될 수 있습니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    지분 (Equity)

    지분은 귀하의 부동산의 현 가치에서 부동산에 존재하는 모기지의 금액을 뺀 금액입니다.

    주택 지분 대출이 무엇인지 알아보십시오. 


    에스크로 (Escrow)

    에스크로 계좌는 재산세 및 주택 소유자 보험과 같은 특정 부동산 관련 비용을 지불하기 위해 모기지 대출 기관에서 설정합니다. 본인의 월간 납부금의 일부가 해당 계좌로 들어갑니다. 모기지에 에스크로 계정이 없는 경우 본인이 부동산 관련 비용을 직접 지불합니다.

    에스크로가 본인의 모기지 납부금에 미치는 영향 에 대해 자세히 알아보십시오. 



    Fannie Mae

    연방 전국 모기지 협회 (Fannie Mae) 는 저렴한 대출을 보장하기 위해 대출 기관으로부터 모기지를 구매하고 보증합니다. Fannie Mae 는 연방 정부 기관이 아닙니다. 연방주택금융청(FHFA) 산하 정부 지원 기업입니다.

    통상 대출에 대해 자세히 알아보십시오. 



    FHA 자금 제공 수수료 (FHA funding fee)

    연방주택관리청(FHA)는 대부분의 단일 가족 프로그램에 대해 FHA 기금 수수료와 월 보험료(MIP)를 요구합니다. 이 선불 모기지 보험료는 선불 모기지 보험료(UFMIP)라고도 합니다.

    FHA 모기지가 본인에게 알맞은지 알아보십시오. 



    FHA 모기지 한도 (FHA loan)

    FHA 대출은 연방주택관리청(FHA)이 규제하고 보장하는 민간 대출 기관이 제공하는 대출입니다. FHA 대출은 낮은 신용 점수와 총 대출 금액의 3.5%까지 낮은 계약금을 허용한다는 점에서 통상 대출과 다릅니다. 최대 대출 금액은 카운티마다 다릅니다.

    이와 기타 모기지 대출 옵션에 대해 알아보십시오. 



    FHA 모기지 한도 (FHA mortgage limits)

    FHA 모기지 한도는 FHA가 단독 주택 모기지 프로그램의 일부로 보장하는 적격 모기지에 대한 달러 금액 한도입니다. 이러한 한도는 장소에 따라 결정되며 매년 개정될 수 있습니다.

    귀하의 카운티 수준 대출 한도를 검색하기 위해 FHA 도구를 사용하십시오 . 



    금융 수수료 (Finance charge)

    금융 수수료는 모기지 대출의 전체 기간 동안 지불해야 하는 이자 및 대출 비용의 총액입니다.

    (영어로) 추가 정보 읽기 



    첫 주택구입자(FTHB) 대출 프로그램 (First-time home buyers (FTHB) loan programs)

    첫 주택구입자(FTHB)는 첫 주택 구매를 위해 여러 유형의 대출을 사용할 수 있습니다. 대중적인 FTHB 대출은 FHA, VA, USDA, Fannie Mae 및 계약금이 낮은 Freddie Mac이 제공하는 프로그램들을 포함합니다. 일부 프로그램은 FTHB를 3년 이상 주택을 구매하지 않은 사람으로 정의합니다.

    본인의 대출 옵션을 알아보십시오. 



    고정 금리 모기지 (Fixed-rate mortgage)

    고정금리 모기지는 대출을 받을 때 정해진 이자율이 대출 기간 동안 변경되지 않는 일종의 주택 융자입니다.

    고정금리 모기지 작용법 과 고려사항에 대해 자세히 알아보십시오. 



    관용 (Forbearance)

    관용은 서비스 제공자가 일시적으로 더 낮은 이자율로 모기지 지불을 허용하거나 일시적으로 모기지 지불을 중단하도록 허용하는 것입니다. 예를 들어, 최근 실직했거나 재해를 겪었거나 질병이나 부상으로 인해 의료 비용이 증가한 경우 관리 회사는 관용을 부여할 수 있습니다. 관용은 손실 경감 의 일종입니다.

    모기지 관용에 대해 자세히 알아보십시오

    가지고 있는 대출의 종류에 따라 관용 옵션이 다를 수 있습니다. 관용을 요청하려면 대출 관리 회사에게 연락해야 합니다. 관용 기간이 끝나면 미지급되거나 감액된 납부금을 보충해야 한다는 것을 기억하십시오.



    강제 부과 보험 (Force-placed insurance)

    귀하께서 보험 증권이 없거나 보험 증권이 관리 히사의 요구 사항을 충족하지 않는 경우 관리 회사는 강제 부과 보험을 요구할 수 있습니다. 강제 부과 보험은 일반적으로 귀하가 아닌 대출업체만 보호합니다. 관리 회사는 귀하에게 보험료를 청구할 것입니다. 강제 부과 보험은 일반적으로 본인이 보험 상품을 직접 찾는 것보다 더 비쌉니다. 



    부동산 압류 (Foreclosure)

    부동산 압류는 주택 소유자가 모기지 납부금을 지불하지 못하는 경우 대출업체나 관리 회사가 부동산을 회수하는 것입니다. 일부 주에서는 부동산 압류를 위해 대출업체가 법원에 출두해야 하지만(사법 압류) 다른 주에서는 법원 절차가 필요하지 않습니다(비사법 압류). 일반적으로 대출업체나 관리 회사가 압류 절차를 개시하면 채무자에게 통지해야 합니다. 부동산 압류 개시 시점에 연방 규칙이 적용될 수 있습니다.

    부동산 압류가 우려되시는 경우, 도움을 받을 수 있는 법에 대해 알아보십시오.



    Freddie Mac

    연방 주택 대출 모기지 회사(Freddie Mac) 는 의회가 설립한 민간 기업입니다. 본 조직의 임무는 은행 및 기타 대출 기관으로부터 모기지를 구매하여 주택 시장의 안정성과 경제성을 촉진하는 것입니다. 이 회사는 현재 연방주택금융청(FHFA)의 지시에 따라 관리 제도 하에 있습니다.

    통상 대출에 대해 자세히 알아보십시오. 



    선의의 견적서 (Good Faith Estimate)

    선의의 견적서(GFE)는 귀하가 역모기지를 신청할 때 대출 업체가 귀하에게 제공해야 하는 양식입니다. GFE에는 역모기지 대출 제안 조건에 대한 기본 정보가 나열되어 있습니다.

    본인이 언제 선의의 견적서 를 받게 되는지 알아보십시오. 



    정부 기록 수수료 (Government recording charges)

    정부 기록 수수료는 주택 융자와 관련된 증서, 모기지 및 문서를 합법적으로 기록하기 위해 주 및 지방 정부 기관에서 부과하는 수수료입니다.

    (영어로) 추가 정보 읽기 



    고가 모기지 대출 (Higher-priced mortgage loan)

    일반적으로 고가 모기지 대출은 연이율 또는 APR이 평균 우대 제공 금리라고 불리는 벤치마크 금리보다 높은 대출입니다. (영어로) 추가 정보 읽기 



    HOA 회비 (HOA dues)

    콘도, 공동 주택 또는 계획된 단지 또는 공용 서비스가 있는 기타 조직화된 지역사회의 주택 구입에 관심이 있는 경우 일반적으로 콘도 요금 또는 주택 소유자 협회(HOA) 회비를 지불해야 합니다. 본 요금은 매우 다양합니다. 콘도 또는 HOA 회비는 일반적으로 월간 모기지 납부금과 별도로 지불됩니다. 이러한 요금을 지불하지 않으면 주택 소유자 협회의 채권 추심업과 심지어 압류에 직면할 수 있습니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    주택 감정서 (Home appraisal)

    감정서는 부동산의 가치가 얼마인지에 대한 의견을 보여주는 서면 문서입니다. 감정서는 해당 부동산에 대한 유용한 정보를 제공합니다. 부동산의 가치를 설명하고 이웃에 있는 다른 부동산과 비교하는 방법을 보여줄 수 있습니다. 감정서는 부동산의 가치에 대한 독립적인 평가입니다.

    감정서가 중요한 이유 에 대해 자세히 알아보십시오. 



    주택 지분 한도 대출 (HELOC) (Home equity line of credit (HELOC))

    주택 지분 한도 대출(HELOC)은 본인의 주택 지분에 대해 대출을 허용하는 한도 대출입니다. 지분은 귀하의 부동산의 현 가치에서 부동산의 모기지 금액을 뺀 금액입니다. 주택 지분 대출과 다르게 HELOC은 이자율이 변동 이자율입니다. 대부분의 HELOC의 경우, 특수 수표 또는 신용 카드를 받게 될 것이며 계정 개설 후 특정한 기간 동안 돈을 빌릴 수 있습니다. 이 기간은 “인출 기간”으로 알려져 있습니다. “인출 기간” 동안 돈을 빌릴 수 있으며 최소 지불액을 납부해야 합니다. “인출 기간” 종료 후, 더 이상 한도 대출에서 돈을 빌릴 수 없습니다. “인출 기간” 종료 후, 잔금을 일시금으로 지불해야 하거나 특정 기간 동안 상환이 허용될 수 있습니다. HELOC 을 상환할 수 없는 경우, 대출업체는 본인의 주택을 압류할 수 있습니다. 



    주택 지분 대출 (Home equity loan)

    주택 지분 대출 (HEL이라고 불림) 을 통해 귀하의 주택 지분을 담보로 돈을 빌릴 수 있습니다. 지분은 귀하의 부동산의 현 가치에서 부동산에 존재하는 모기지의 금액을 뺀 금액입니다. 주택 지분 대출금은 일시불로 받게 됩니다. 주택 지분 대출은 대개 바뀌지 않는 고정 금리입니다. HEL을 상환할 수 없는 경우, 대출업체는 본인의 주택을 압류할 수 있습니다. 



    주택 상태 점검 (Home inspection)

    주택 상태 점검은 종종 주택 구매 과정의 일부입니다. 일반적으로 본인은 주택 검사관을 고용하여 부동산을 검사하고 강점과 약점을 지적받을 권리가 있습니다. 이는 종종 난방, 환기, 에어컨 및 전기를 포함한 가정의 구조 및 기계 시스템을 검사하는 데 특히 유용합니다.

    점검을 예약하는 방법을 알아보십시오. 



    주택 소유자 협회 (HOA) (Homeowners’ Association (HOA))

    주택 소유자 협회(HOA)는 일반적으로 계획된 단지 또는 기타 조직화된 지역사회의 조경 및 기타 유지 관리비와 같은 공유 비용을 관리하기 위해 형성된 것입니다. 콘도미니엄 HOA는 예를 들어 진입로, 공유 구조물 및 지붕 유지 관리를 포함하여 더 많은 책임을 집니다.

    본인의 모기지 내역서에 HOA가 어떻게 표시될지에 대해 자세히 알아보십시오. 



    주택 소유자 보험 (Homeowner's insurance)

    주택 소유자 보험은 화재나 절도와 같이 예상치 못한 일이 발생하는 경우 재산 손실과 손해를 배상합니다. 모기지가 있는 경우, 귀하의 대출 업체는 재산이 보험에 의해 보호되고 있는지 확인하려고 할 것입니다. 그러므로 대출 업체들은 일반적으로 주택 소유자 보험의 유무에 대해 증거를 요구합니다. 주택 소유자 보험은 모기지 보험 과 다릅니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    주택 구매 가격 (Home purchase price)

    주택 구입 가격은 집을 구입하기 위해 판매자에게 지불하기로 한 구매자와 판매자가 합의한 금액입니다.

    알맞은 주택을 찾는 것에 대해 자세히 알아보십시오. 



    HUD

    주택 도시 개발부(HUD)는 국민들이 양질의 주택을 확보하고 유지하도록 돕는 정부 기관입니다. 해당 기관은 전국에 걸쳐 주택 상담사를 교육하고 지원합니다. HUD 승인 주택 상담 기관은 주택 구매 상담을 제공하고 귀하의 선택권을 이해하고 평가하는 것을 도울 수 있습니다.

    HUD 승인 주택 상담 기관을 찾으십시오. 



    HUD-1 매매 종결 내역서 (HUD-1 settlement statement)

    HUD-1 매매 종결 내역서에는 부동산 합의에서 구매자와 판매자에 대한 모든 비용과 크레딧 또는 모기지 차환에 대한 모든 비용이 나열되어 있습니다. 역 모기지를 신청하거나 2015년 10월 3일 또는 그 이전에 모기지를 신청한 경우 HUD-1을 받습니다.

    언제 HUD-1 을 받게 될지 알아보십시오. 



    지수 (Index)

    지수는 일반적인 시장 상황을 반영하는 기준 금리입니다. 지수는 시장에 따라 변합니다. 대출 마진과 함께 지수의 변동은 변동 금리 모기지 대출의 이자율 변동을 결정합니다.

    변동 금리 모기지 대출에서 지수가 이자율에 어떤 영향 을 미치는지 알아보십시오. 



    초기 변동 상한 (Initial adjustment cap)

    초기 변동 상한은 일반적으로 변동 금리 모기지(ARM)와 관련이 있습니다. 본 상한선은 고정 금리 기간이 만료된 후 첫 변동이 일어날 때 금리가 얼마나 증가할 수 있는지를 결정합니다. 본 상한선은 일반적으로 2% 또는 5%로 즉 첫 금리 변경 시 새로운 금리는 고정 금리 기간 동안 초기 금리보다 2(또는 5)% 포인트를 초과할 수 없음을 의미합니다.

    변동 금리 모기지 대출에 지수가 어떤 영향을 미치는지 알아보십시오. 



    최초 에스크로 예치금 (Initial escrow deposit)

    최초 에스크로 예치금은 대출 업체에서 요구하는 경우 에스크로 계정을 시작하기 위해 클로징 시 지불하는 금액입니다.

    (영어로) 추가 정보 읽기 



    거치식 일시 상환 대출 (Interest-only loan)

    거치식 일시 상환 모기지는 지정된 기간 동안 이자만 지불하면 되는 예정 상환 대출입니다.

    (영어로) 추가 정보 읽기 



    이자율 (Interest rate)

    모기지 대출의 이자율은 돈을 빌리기 위해 매년 지불하는 비용을 퍼센트로 표현한 것입니다. 이는 대출에 대해 지불해야 하는 수수료 또는 이외 부과금을 반영하지 않습니다. 예를 들어, 모기지 대출이 $10만이며 이자율이 4%인 경우, 소비자는 전액을 빌리거나 빚진 매년에 대해 $4천을 내는 것에 동의한 것입니다.

    귀하의 지역에 이자율을 탐색해 보십시오. 



    금리 상한 (Interest rate cap)

    연간 상한선이라고도 하는 금리 상한은 심지어 시장 금리보다 더 오를지라도 변동 금리 모기지(ARM)에 대해 매년 발생할 수 있는 최고 금리 인상입니다. 예를 들어 본 상한이 2%인 경우 새 이율은 이전 이율보다 2% 포인트를 초과하여 인상될 수 없습니다.

    대출 업체들이 어떻게 지수와 마진을 사용하여 귀하의 금리를 조정하는지 알아보십시오. 



    한도초과 대출 (Jumbo loan)

    매년 Fannie Mae, Freddie Mac 및 해당 규제당국인 연방주택금융청(FHFA)은 대출 업체로부터 구매할 대출에 대해 최대 금액을 설정합니다.

    (영어로) 추가 정보 읽기 



    대출 업체의 소유권 보증보험 (Lenders title insurance)

    대출 업체의 소유권 보증보험은 해당 주택에 대한 법적 청구권을 가진 이들과 같이 부동산의 소유권 문제와 관련하여 대출 업체를 보호합니다. 대출 업체의 소유권 보증보험은 오직 소유권 문제와 관련하여 대출 업체를 보호합니다. 자신을 보호하려는 경우, 소유자 소유권 보험에 가입할 수 있습니다.

    (영어로) 추가 정보 읽기 



    생애 변동 상한 (Lifetime adjustment cap)

    생애 변동 상한은 일반적으로 변동 금리 모기지(ARM)와 함께 사용됩니다. 본 상한은 대출 기간 동안 금리가 얼마나 증가할 수 있는지를 결정합니다. 예를 들어, 해당 상한이 5%인 경우 이율이 초기 이율보다 5% 포인트 이상을 초과할 수 없음을 의미합니다. 일부 대출 업체는 상한선이 다르거나 더 높을 수 있습니다.

    변동 금리 모기지에 지수가 어떤 영향을 미치는지 알아보십시오. 



    대출 인수 (Loan assumption)

    대출 인수는 구매자가 판매자의 주택을 구매하면서 판매자의 모기지를 인수하는 경우 발생합니다. 구매자는 판매자의 모기지에 남아 있는 채무 잔액을 원래의 대출 조건에 따라 인수하게 됩니다. 즉, 이자율 및 남은 대출 기간 등이 동일하게 유지됩니다. 대출 인수는 판매자가 처음 모기지를 받았을 때와 비교하여 현재 신규 모기지의 이자율이 더 높은 경우 재정적으로 합리적인 선택일 수 있습니다.

    주택 판매 가격과 인수하게 될 대출 잔액의 차액은 구매자가 현금으로 지불하거나 자체적으로 모기지 대출을 받아 지불할 수 있습니다.

    모기지를 인수하기 위해서는 주택 구매자가 대출 인수를 위한 자격을 갖추어야 합니다. 자격을 얻기 위해서는 구매자의 신용과 소득을 검토하는 것이 일반적이며, 이는 신규 모기지 자격을 얻는 것과 유사합니다.

    대출 인수는 사망 또는 이혼과 같이 모기지가 있는 부동산에 대한 소유권을 받는 경우에도 적용될 수 있습니다.



    대출 유예 (Loan deferment)

    모기지 상환에 어려움을 겪고 있는 채무자는 일반적으로 모기지 서비스 회사에 도움을 요청할 권리가 있습니다. 서비스 회사는 대출 유예에 동의할 수 있으며, 이는 채무자가 연체된 모기지 상환금 납부를 연기함으로써 부동산 압류를 피할 수 있도록 해줍니다. 유예된 금액은 채무자가 대출을 재융자하거나 주택을 팔거나 또는 모기지를 기타 방식으로 종료할 때 지급해야 합니다.


    대출 견적서 (Loan estimate)

    대출 견적서는 모기지 신청 후 받게 되는 3장의 양식입니다.

    (영어로) 추가 정보 읽기 



    대출 조건 조정 (Loan modification)

    모기지 대출 조건 조정은 대출 조건의 변경입니다. 조건 조정은 손실 경감의 일종입니다. 조건 조정을 통해 월 납부금을 감당할 수 있는 금액으로 줄일 수 있습니다. 조건 조정은 대출 상환 기간 연장, 이자율 인하 및/또는 원금 잔액의 관용 또는 감액을 포함할 수 있습니다. 대출 조건 조정 제안을 받은 경우, 월 납부금과 단기 및 장기적으로 빚의 총액이 어떻게 변하는지 확실히 하십시오.

    모기지 대출 조건 조정에 대해 자세히 알아보십시오



    자산가치 대비 융자 금액 비율 (Loan-to-value ratio)

    자산가치 대비 융자 금액 비율(LTV)은 모기지 금액과 부동산 감정 가치를 비교하는 척도입니다. 계약금을 많이 낼수록 LTV 비율은 낮아집니다. 모기지 대출 업체는 대출 여부를 결정하고 개인 모기지 보험이 필요한지 여부를 결정하는 데 LTV를 사용할 수 있습니다.

    자산가치 대비 융자 금액 비율이 어떻게 귀하의 비용과 관련이 있는지 알아보십시오. 



    마진 경감 (Loss mitigation)

    손실 경감이란 채무자가 부동산 압류를 피하기 위해 모기지 관리 회사와 채무자가 협력하여 취하는 단계를 말합니다. 손실 경감은 부동산 압류로 인해 발생할 수 있는 투자자의 손실을 줄이거나 “경감”해야 하는 관리 회사의 책임을 말합니다. 특정 손실 경감 옵션들은 주택을 유지하는 데 도움이 될 수 있습니다. 다른 옵션들은 부동산 압류를 거치지 않고 주택을 떠나는 데 도움이 될 수 있습니다. 손실 경감은 유질처분과 관련한 양도증서, 관용, 상환 제도, 공매도, 또는 대출 조건 조정 을 포함할 수 있습니다.

    모기지 납부금을 지불하는 데 어려움을 겪고 있거나 다양한 손실 경감 옵션을 제안받았고 고려하고 있는 경우 주택 및 도시 개발부(HUD) 승인 주택 상담 기관에 문의하십시오.

    CFPB의 “Find a Counselor”(상담사 찾기) 도구를 사용하여 귀하의 지역에 HUD 승인을 받은 주택 상담 기관 명단을 받을 수 있습니다. 또한 24시간 주7일 운영하는 HOPE™ 문의 전화 에 (888) 995-HOPE (4673)으로 전화하실 수 있습니다.



    마진 (Margin)

    마진은 초기 이자율 기간이 종료된 후 변동 금리 모기지(ARM)에 대한 이자율을 설정하기 위해 모기지 대출 기관이 지수에 추가하는 백분율 포인트 수입니다. 마진은 대출 계약에 설정되어 있으며 마감 후에도 변경되지 않습니다. 마진 금액은 특정 대출 업 및 대출에 따라 다릅니다.

    변동 금리 모기지 대출에 마진이 어떤 영향을 미치는지 알아보십시오. 



    월간 지출액 (Monthly expenses)

    매달 지출하는 금액입니다. 여기에는 임대료 또는 모기지 납부금, 공과금, 자동차 할부금, 자녀 양육비 및 보험료와 같이 반복되는 의무금뿐만 아니라 음식과 같은 필수품이 포함될 수 있지만 이에 국한되지 않습니다. 대부분의 이러한 의무금은 기한이 정해져 있습니다.

    이 지출 추적기로 귀하의 월별 지출을 평가하십시오. 



    모기지 (Mortgage)

    모기지는 주택을 구매하거나 차환하기 위해 돈을 빌리는 것을 허용하고 빌린 돈을 갚지 못할 경우 대출 업체가 귀하의 부동산을 소유할 수 있는 권리를 부여하는 귀하와 대출 업체 간의 계약입니다.

    모기지를 받을 준비가 되셨다면, 주택 구매에 대해 알아보십시오. 



    모기지 클로징 점검표 (Mortgage closing checklist)

    모기지 클로징 점검표는 예상되는 사항을 준비하고 학습하는 데 사용할 수 있는 단계들이 적힌 목록입니다. 자신 있게 클로징을 진행할 수 있도록 미리 물어볼 주요 질문을 식별하는 데 도움이 될 수 있습니다.

    클로징 대비를 위해 본 작업표를 사용하십시오. 



    모기지 클로징 비용 (Mortgage closing costs)

    모기지 클로징 비용은 클로징 시 지불하게 될 모든 비용입니다. 이에는 개시 수수료, 감정 수수료, 신용 보고 비용, 소유권 보험 수수료 및 대출 기관이 요구하거나 부동산 모기지 거래의 일부로 지불하는 기타 수수료가 포함됩니다. 대출 업체는 대출 견적서에 이러한 비용의 요약을 제공하여야 합니다.

    클로징 때 무슨 일이 일어나는지 자세히 알아보십시오. 



    모기지 보험 (Mortgage insurance)

    모기지 보험은 지불이 연체될 경우 대출 업체를 보호합니다. 일반적으로 계약금이 부동산 가치의 20% 미만인 경우 모기지 보험이 의무화됩니다. 모기지 보험은 일반적으로 FHA 및 USDA 대출에도 필요합니다. 그러나 통상 대출이 있으며 계약금이 20% 미만인 경우에는 개인 모기지 보험(PMI)에 가입해야 할 확률이 높습니다.

    모기지 보험 작용법에 대해 알아보십시오 



    모기지 대출 조건 조정 (Mortgage loan modification)

    모기지 대출 조건 조정은 대출 조건의 변경입니다. 본 조건 조정은 손실 경감의 일종입니다.

    (영어로) 추가 정보 읽기 



    모기지 차환 (Mortgage refinance)

    모기지 차환은 기존 대출을 상환하고 대체하기 위해 새로운 대출을 받는 것입니다. 차환을 하는 일반적인 이유는 월 이자율을 낮추거나 모기지 납부금을 낮추거나 추가 자금을 빌리기 위함입니다. 차환 시 일반적으로 클로징 비용과 수수료를 지불해야 합니다. 차환 후 월 납부금이 낮아지는 경우 낮아진 금액의 얼마가 감소한 이자율에 인한 것인지, 얼마가 대출 기간이 길어져서 낮아진 것인지 이해해야 합니다.


    모기지 기간 (Mortgage term)

    모기지 대출 기간은 대출금을 상환해야 하는 기간입니다. 대부분의 주택 유형의 모기지 기간은 일반적으로 15년, 20년 또는 30년입니다.

    대출 기간 옵션을 탐색해 보십시오. 



    개시 업무 수수료 (Origination Fee)

    개시 업무 수수료는 대출 기관이 채무자에게 모기지 대출을 받는 데 부과하는 수수료입니다. 개시 업무 수수료에는 신청서 처리, 대출 인수 및 자금 조달, 기타 행정 서비스가 포함될 수 있습니다. 일반적으로 개시 업무 수수료는 특정 상황에서만 증액될 수 있습니다.

    모기지 개시 비용 에 대해 자세히 알아보십시오. 



    소유자 소유권 보증보험 (Owner's title insurance)

    소유자 소유권 보증보험은 누군가 소송을 제기하여 주택 소유자가 주택을 구매하기 전 주택에 대한 청구가 있다고 주장하는 경우 주택 소유자를 보호합니다.

    (영어로) 추가 정보 읽기 



    PACE 융자 (Pace financing)

    PACE 융자는 주택의 에너지 효율 개선을 위한 자금 조달 방법을 제공합니다.

    (영어로) 추가 정보 읽기 


    분 청구 (Partial claim)

    부분 청구는 어려움을 겪고 있는 주택 소유자가 부동산 압류를 피할 수 있도록 모기지 보험을 사용하는 방법입니다. 모기지 서비스 회사는 연체된 모기지 상환금을 모기지 보험에 청구하고, 보험사는 해당 금액을 별도의 계좌에 보관합니다. 그런 다음, 채무자가 모기지를 재융자하거나 주택을 팔거나 또는 모기지를 기타 방식으로 종료할 때, 부분 청구된 금액이 모기지 서비스 회사로 지급됩니다. 때로는 부분 청구 금액으로 연체된 상환금 전액을 충당하지 못하며, 이러한 경우에는 채무자가 차액을 지불해야 합니다.



    상환액 (Payoff amount)

    상환액은 모기지 대출 조건을 충족하고 부채를 완전히 갚기 위해 실제로 지불해야 하는 금액입니다. 상환액은 현재 잔액과 다릅니다. 현재 잔액은 대출금을 완전히 충족시키기 위해 실제로 지불해야 하는 금액을 반영하지 않을 수 있습니다. 상환액은 대출금 상환일까지 지불해야 하는 이자 금액도 포함합니다. 상환액은 발생하였지만 아직 지불하지 않은 기타 수수료도 포함할 수 있습니다. 



    PCS 명령 (PCS orders)

    현역 군인은 영구 주둔지 전출(PCS) 명령을 받을 수 있습니다. PCS 명령은 군인(및 그와 함께 사는 모든 가족)을 다른 임무 위치로 공식 이전하는 것입니다. 군인이 주택을 소유하고 있는 경우 주택 판매를 선택할 수도 있습니다. 군인이 주택의 가치보다 주택에 대한 빚이 더 높은 경우 집 판매에 어려움을 겪을 수 있습니다. 일부 관리 회사는 군인이 주택을 팔고 나머지 대출 잔액을 상환할 필요가 없도록 하는 프로그램을 제공합니다. 추가 정보는 군인 자원 을 방문하십시오. 



    PITI

    원금, 이자, 세금 및 보험은 PITI로도 알려져 있으며 월간 모기지 납부금의 기본 요소들입니다.

    (영어로) 추가 정보 읽기 



    PMI

    개인 모기지 보험(PMI)은 대출 업체에게 이득이 되는 모기지 보험을 일종입니다. 계약금이 부동산 가치의 20% 미만이고 통상 대출을 받은 경우 PMI를 지불해야 할 수도 있습니다. 주택에 일정 지분이 축적되면 PMI를 취소할 수 있을 수 있습니다.

    PMI가 언제 필요한지에 대해 자세히 알아보십시오 



    선급 이자 비용 (Prepaid interest charges)

    선급 이자 비용은 모기지 대출 클로징 날과 첫 번째 월간 모기지 상환 기간 사이에 발생하는 일간 이자에 대해 클로징 시 내야 하는 요금입니다.

    (영어로) 추가 정보 읽기



    선납 벌금 (Prepayment penalty)

    선납 벌금은 모기지의 전부 또는 일부를 조기에 상환할 경우 일부 대출 업체에서 부과하는 수수료입니다. 선납 벌금이 있는 경우, 주택에 대해 클로징 시 이에 동의하셨을 것입니다. 모든 모기지에 선납 벌금이 있는 것은 아닙니다. 



    원금 (Principal)

    원금은 갚아야 할 모기지 대출의 금액입니다. 귀하의 월 납부금에는 해당 원금의 일부가 포함됩니다. 원금 상환이 이루어지면 채무자는 더 적은 빚을 지며, 더 낮은 대출 규모에 따라 더 적은 이자를 지불하게 됩니다.

    이자율과 원금의 차이에 대해 자세히 알아보십시오. 



    부동산 재산세 (Property taxes)

    부동산 재산세는 과세되는 부동산의 가치를 기준으로 지방 관할 구역, 일반적으로 카운티 수준에서 부과되는 세금입니다. 종종 부동산 재산세는 주택 소유자의 월 모기지 납부금 내에서 징수된 다음 매년 한 번 이상 관련 관할 구역에 지불됩니다. 이것을 에스크로 계좌라고 합니다. 대출에 에스크로 계좌가 없으면 집주인이 재산세를 직접 지불해야 합니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    적격 모기지 (Qualified mortgage)

    적격 모기지는 대출을 더 잘 감당할 수 있도록 도움이 되는 확실하고 보다 안정적인 기능이 있는 대출의 카테고리입니다.

    (영어로) 추가 정보 읽기 



    적격 서면 요청서 (QWR) (Qualified Written Request (QWR))

    적격 서면 요청서 또는 QWR은 귀하 또는 귀하를 대신하는 사람이 귀하의 모기지 관리 회사에게 보낼 수 있는 서면 서신입니다. QWR 대신 서비스 제공자에게 오류 통지 또는 정보 요청서를 보낼 수도 있습니다.

    (영어로) 추가 정보 읽기 



    상환 제도 (Repayment plan)

    상환 제도는 일정 기간 동안 내지 못한 모기지 대출 납부금을 보충하기 위해 구조화된 방법입니다. 이는 손실 경감 의 일종입니다. 모기지 납부금을 지불하는 데 어려움을 겪고 계신 경우, 귀하의 대출 업체 또는 관리 회사는 상환 제도 를 허용할 수도 있습니다. 상환 제도를 시작하기 전에, 해당 제도의 요건과 새로운 납부금의 지불 여부를 이해하였는지 확실히 하십시오. 



    역모기지 (Reverse mortgage)

    역모기지는 62세 이상의 주택 소유자가 주택 자산을 담보로 대출을 받을 수 있도록 허용합니다. 대출 업체에 납부금을 지불하는 대신 대출 업체로부터 돈을 받기 때문에 “역”모기지라고 부릅니다. 귀하께서 받는 돈과 대출에 부과되는 이자는 매달 귀하의 대출 잔액을 증액시킵니다. 대부분 오늘날의 역모기지는 HECM이라고 부르며 이는 주택 지분 전환 모기지의 약자입니다.

    역모기지 신청 전 무엇을 고려 해야 하는지 알아보십시오. 



    해제권 (Right of rescission)

    해제권은 소비자가 특정 유형의 대출을 취소할 수 있는 권리를 말합니다. 모기지로 주택을 구입하는 경우, 클로징 문서에 서명한 후에는 대출을 취소할 수 있는 권리가 없습니다. 그러나 모기지를 차환하는 경우, 거래 후 세 번째 영업일 자정까지 모기지 계약을 철회(취소)할 수 있습니다. 본 3일 기간은 귀하께서 신용 계약(일반적으로 약속 어음이라 불림)을 서명하고 진실 대출 공시 양식을 받고, 철회 권리를 설명하는 통지 사본 2부를 받을 때까지는 시작되지 않습니다. 



    두번째 모기지 (Second mortgage)

    두번째 모기지 또는 후순위 유치권은 주택을 담보로 제공받은 대출이 있는 동안 집을 담보로 사용하여 또 다른 대출을 받는 것입니다.

    두번째 모기지에 대해 자세히 알아보십시오. 



    담보권 (Security interest)

    담보권은 귀하께서 빌린 돈을 갚지 않을 경우 대출업체가 부동산을 압류할 수 있게 합니다.

    (영어로) 추가 정보 읽기 



    판매자 융자 (Seller financing)

    판매자 융자는 주택 판매자가 귀하에게 제공하는 대출입니다.

    (영어로) 추가 정보 읽기 



    관리 회사 (Servicer)

    모기지 관리 회사는 모기지 명세서를 보내는 회사입니다. 관리 회사는 또한 대출 관리의 일상 업무도 다룹니다.

    귀하의 대출 관리 회사는 일반적으로 귀하의 대출 지불을 처리하고, 채무자 문의에 응답하고, 지급된 원금과 이자를 추적하며 귀하의 에스크로 계좌 (있는 경우)를 관리합니다. 대출 관리 회사는 특정 상황에서 부동산 압류를 개시할 수 있습니다. 귀하의 관리 회사는 귀하께 원 대출을 제공한 회사일 수도 있고 아닐 수도 있습니다. 



    자본 이득 공유 모기지 (Shared appreciation mortgage)

    자본 이득 공유 모기지에서 귀하는 주택 가치 상승분의 일부를 대출 업체에 제공하는 데 동의하게 됩니다.

    (영어로) 추가 정보 읽기 



    공매도 (Short sale)

    공매도는 모기지 대출에 빚진 금액보다 적은 금액으로 주택을 판매하는 것입니다. 공매도는 부동산 압류에 대한 대안이지만, 매도이기 때문에 집을 떠나야 합니다. 귀하의 대출 업체나 관리 회사가 공매도에 동의한다면, 주택 판매 가격이나 수익금이 모기지 잔액보다 적더라도 주택을 팔아 모기지를 갚을 수도 있습니다. 공매도는 손실 경감의 일종입니다. 재산 가치와 모기지 대출에 남아 있는 금액 간의 차액인 부족분에 대한 본인이 책임을 지는 주에 거주하는 경우, 대출업체에 부족분을 면제해 달라고 요청하는 것이 좋습니다. 대출업체가 부족분을 면제해주는 경우, 면제서를 서면으로 받아 기록용으로 보관하십시오. 



    서브프라임 모기지 (Subprime mortgage)

    대출 업체에서 이 용어를 사용할 때는 일반적으로 우대 대출 자격이 없는 채무자를 위한 대출 프로그램을 의미하며 종종 더 높은 이자율이 적용됩니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    측량도 (Survey)

    측량은 부지, 주택 및 기타 구조물의 위치와 부동산 개선 사항을 보여주는 부동산 도면입니다.

    (영어로) 추가 정보 읽기 



    소유권 서비스 비용 (Title service fees)

    소유권 서비스 비용은 모기지를 받을 때 지불하는 클로징 비용의 일부입니다. 주택을 구입하면 종종 증서라고 불리는 문서를 받게 되며 이는 판매자가 주택의 법적 “소유권”을 귀하에게 이전했음을 보여줍니다. 소유권 서비스 비용은 대출 업체에게 소유권 보험 증권을 발행하는 것과 관련된 비용입니다.

    (영어로) 추가 정보 읽기 



    총 이자 비율 (TIP) (Total interest percentage (TIP))

    총 이자 비율(TIP)은 모기지 대출 기간 동안 얼마의 이자를 지불할지 알려주는 공시입니다.

    (영어로) 추가 정보 읽기 



    총 납부액 (Total of payments)

    본 숫자는 모기지 기간 동안 지불하게 될 총 금액을 알려줍니다.

    (영어로) 추가 정보 읽기 



    TRID

    “TRID” 는 일부 사람들이 TILA RESPA 통합 공시를 일컬을 때 쓰는 약자입니다(TILA RESPA Integrated Disclosure).

    (영어로) 추가 정보 읽기 



    USDA 대출 (USDA Loan)

    미국 농무부(USDA)의 일부인 농촌 주택 서비스는 USDA의 소득 자격 요건을 충족하는 농촌 주택 구매자에게 계약금 없이 일반적으로 좋은 이자율의 모기지 프로그램을 제공합니다.

    이와 기타 특별 대출 프로그램에 대해 자세히 알아보십시오. 



    VA 대출 (VA loan)

    VA 대출은 보훈부(VA)에서 제공하는 대출 프로그램으로 군인, 재향군인 및 유자격 생존 배우자의 주택 구입을 돕습니다. VA는 대출을 제공하지 않지만 누가 유자격일지와 모기지 조건에 대한 규칙을 정합니다. VA는 대출 업체의 손실 위험을 줄이기 위해 대출금의 일부를 보증합니다. 대출은 일반적으로 주 거주지에만 가능합니다.

    재향군인인 경우 VA 대출이 귀하에게 적합 한지 알아보십시오.

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    - - - \ No newline at end of file diff --git a/www.consumerfinance.gov/language/ko/prepare-your-money-situation-before-you-buy-a-home/index.html b/www.consumerfinance.gov/language/ko/prepare-your-money-situation-before-you-buy-a-home/index.html deleted file mode 100644 index 0e457368e13..00000000000 --- a/www.consumerfinance.gov/language/ko/prepare-your-money-situation-before-you-buy-a-home/index.html +++ /dev/null @@ -1,1568 +0,0 @@ - - - - - - - 주택을 매입하기 전 재정적으로 대비하세요 | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    주택을 매입하기 전 재정적으로 대비하세요

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    주택을 매입하는 것은 많은 가족들의 꿈이지만, 어떻게 시작해야 할지, 언제 준비가 될지를 파악하기가 어려울 수 있습니다. 다음은 주택 소유자가 되는 길로 향하는 몇 가지 단계입니다. 영어로 된 더 자세한 설명은 주택 매입하기 가이드를 확인하세요.

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    대출 기관은 주택 매입을 위한 대출을 제공하기 전 귀하에게 대출금을 갚을 능력이 있는지 판단합니다. 기관은 귀하의 수입, 자산, 고용 상태, 저축, 채무에 대한 월 지불금 등의 요인을 확인합니다. 또한 귀하의 신용 보고서와 신용 점수를 확인하여 채무를 제때 갚았는지 확인합니다.

    돈 관리에 은행 계좌가 중요한 이유를 소개합니다(영어)

    이를 증명하는 데 귀하의 신용기록이 중요한 이유를 소개합니다(영어)

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    매달 새로운 주택을 위해 얼마나 지불할 여유가 있는지 판단하기 위해 현재 얼마를 지출하는지 알아야 합니다. 한 달 동안 돈을 지출하는 모든 내용이 포함된 목록을 작성하세요. 월별 지출을 월별 실수령 금액과 비교하세요.

    또한, 응급 상황이나 다른 목표를 위해 매달 얼마만큼의 저축액을 확보하고 싶은지 결정하세요.

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    급여와 지출을 비교한 뒤, 총 주택 비용으로 얼마를 지출할 여유가 있는지 확인합니다. 주택을 소유할 때 지불하게 되는 비용으로는 다음이 포함됩니다.

    • 모기지 원금과 이자 지불액
    • 주택담보대출 보험
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    • 주택 소유자 협회(HOA) 회비
    • 주택 유지 및 수리
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    세금 및 보험 등의 일부 비용은 시간이 지날수록 오를 수 있습니다.

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    계약금은 지불액과 시기에 따라 다릅니다.

    계약금을 많이 내면 처음에 필요한 현금은 더 늘어나지만 월 지불금이 줄어들고 대출 비용도 전반적으로 줄어듭니다. 많은 돈을 빌리지 않기 때문에 갚을 돈도 적어집니다. 또한 더 적은 대출 잔액에 이자를 지불하게 되므로 이자도 적게 지불하게 됩니다. 그리고 계약금이 주택 가격의 20% 이상인 경우, 보통 주택담보대출 보험(영어)를 지불하지 않습니다. 이를 통해 비용을, 특히 주택담보대출 초기에 절약할 수 있습니다.

    반면에, 계약금이 더 크다는 것은 지출할 돈이 줄어든다는 것을 의미합니다. 예를 들어 대출 과정의 마지막에 부대비용을 지불하기 위해 현금이 필요할 수 있습니다. 그리고 새로운 집으로 이사 가는 비용, 개선하거나 수리하는 비용, 집을 편안하게 만들기 위한 새로운 물품 구매 비용 등이 필요할 수 있습니다.

    저계약금 옵션 선택 가능

    다양한 프로그램에서 적은 계약금 또는 계약금 없이 집을 구매할 수 있도록 지원합니다. 저계약금 옵션은 대출 기간 동안 더 비용이 많이 든다는 뜻입니다. 대출 기관과 상담할 때 질문을 하고 다양한 대출 제안을 확인할 수 있도록 요청하세요.

    계약금은 선불금의 오직 일부입니다

    신규 주택 계약서에 서명할 때는 주택담보대출을 받기 위한 수수료 및 다른 비용을 지불해야 합니다. 이를 부대비용이라고 합니다. 일반적으로 부대비용은 주택 구매 가격의 2%~5%입니다(계약금 제외). 그러나 실제 부대비용은 주택의 가격, 계약금 금액, 대출 기관 비용, 대출의 종류, 주택의 종류, 그리고 위치에 따라 달라집니다.

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    첫 주택 구매를 위한 지원 찾기

    많은 주와 지역 조직에서는 계약금 또는 부대비용을 포함하여 첫 주택구입자를 지원하는 프로그램을 제공합니다. 가까운 프로그램을 찾으려면 다음을 확인하세요.

    또한 지원을 위해 주택상담사를 요청할 수 있습니다.

    • 자신이 주택을 구매하기에 적절한 시기를 결정하거나 더 나은 대출 상품을 이용할 수 있도록 신용도를 높일 수 있는 방법(영어)
    • 자신의 주택담보대출 옵션 또는 신용기록이 향상될 경우 선택할 수 있는 다른 옵션으로는 무엇이 있는지 잘 살펴봅니다
    • 자신의 신용 보고서, 수입, 추가적인 재정 정보를 검토하고 주택담보대출 대출업체가 자신의 신청서를 어떻게 평가할지 설명해 봅니다

    문제가 될 수 있는 요인 발견하기

    차별은 불법입니다

    대출 기관은 다음을 이유로 신용 거래를 거부하거나, 더 높은 지불금이나 이자율을 부과하거나, 불리한 약관을 제시하거나, 대출 신청을 막을 수 없습니다.

    • 인종
    • 피부색
    • 종교
    • 출신 국가
    • 성별(성적 지향 및 성 정체성 포함)
    • 결혼 여부
    • 나이
    • 공적 지원금 수령 여부
    • 소비자신용보호법에 따라 선의로 자신의 권리를 행사

    주택담보대출에 문제가 있는 경우 온라인으로 민원을 제기하거나 (855) 411-CFPB (2372)로 전화하실 수 있습니다.

    “증서 계약(Contracts for deed)”은 문제가 될 수 있습니다

    증서 계약("증서 채권", "토지 할부 계약", 또는 "계약 매수"라고도 불림)은 전통적인 주택담보대출이 아닌 할부 계획에 따라 이루어지는 주택 구매 방식입니다. 개별 주택담보대출 대출업체를 방문하여 판매자에게 부동산의 전체 가격을 지불하는 대신, 판매자에게 매월 할부금을 지불하기로 동의하는 것입니다. 판매자는 계약이 완전히 이행될 때까지 부동산의 증서를 보관합니다. 증서는 주택의 법적 소유권을 나타냅니다.

    따라서 증서 계약에서 자신이 가지는 권리를 이해하려면 변호사와 상담하도록 하십시오. 우리 주에서 변호사를 찾는 팁을 소개합니다.

    증서 계약에 따라, 귀하는 아직 증서가 자신의 것이 아니더라도 계약 기간 중에는 반드시 부동산 소유자로 행동해야 합니다. 일반적인 증서 계약에서는 귀하가 부동산 재산세, 보험, 수리 비용, 유지 관리비를 지불합니다.

    전통적인 주택담보대출에서 대출금 지불이 늦어지는 경우에는 보통 대출 기관에서 압류를 시작하기 전에 기다려야 합니다. 증서 계약의 경우에는 판매자가 즉시 퇴거 절차를 시작하는 경우가 종종 있습니다. 다음의 경우 퇴거가 빨리 진행될 수 있습니다.

    • 월 지불금을 납부하지 않은 경우
    • 계약에서 요구하는 경우, 큰 금액의 벌룬 납부(최종 잔액의 일괄 지불)를 지불하지 못하는 경우
    • 세금 및 유지 관리 비용 등 계약에 명시된 기타 비용을 지불하지 않는 경우

    또한, 일반적으로 판매자는 귀하가 주택에 투입한 모든 돈과 노력을 가져가게 됩니다.

    계약에 명시된 모든 지불금을 납부한 경우에도 문제가 생길 수 있습니다. 판매자가 주택에 완전한 소유자가 아닐 수 있습니다. 예를 들어, 판매자가 부동산의 유치권 또는 주택담보대출로 돈을 빚진 상태일 수 있습니다. 또는 판매자가 단순히 증서 전달을 거부하는 경우도 있습니다. 때때로 판매자가 세금 및 보험 비용을 받은 뒤 실제로 지불하지 않는 경우도 있어 결과적으로 집을 소유했을 때 큰 금액의 청구서, 벌금 및 다른 문제를 겪게 될 수 있습니다.

    증서 계약에 문제가 있는 경우 온라인으로 민원을 제기하거나 (855) 411-CFPB (2372)로 전화하실 수 있습니다.

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    - - - \ No newline at end of file diff --git a/www.consumerfinance.gov/language/ko/shopping-for-a-mortgage/index.html b/www.consumerfinance.gov/language/ko/shopping-for-a-mortgage/index.html deleted file mode 100644 index b68e7896695..00000000000 --- a/www.consumerfinance.gov/language/ko/shopping-for-a-mortgage/index.html +++ /dev/null @@ -1,1488 +0,0 @@ - - - - - - - 모기지를 알아보는 방법 | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    - - 메인 컨텐츠로 이동 - -
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    - An official website of the - United States government -
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    - - - (855) 411-2372 - -
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    Shopping for a mortgage (in Korean)
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    모기지를 알아보는 방법

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    모기지를 알아보는 과정에는 많은 시간과 노력이 들어갑니다. 그러나 이를 통해 수천 달러를 절약할 수 있습니다. 적어도 서로 다른 대출업체 세 곳에서 대출 조건을 받아 비교해 보시기 바랍니다.

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    본 페이지 내용:

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    최소 세 곳에서 사전 승인을 받으세요.

    인터넷과 신문을 이용해 모기지 대출업체에 대해 알아볼 수 있습니다. 첫 주택 구매자, 재향군인, 공무원 등 본인의 상황에 맞는 은행, 신용 조합 및 단체로 연락해 보시기 바랍니다.

    적어도 서로 다른 대출업체 세 곳에 “사전 승인”을 요청하시기 바랍니다. 이는 대출업체에서 신용 보고서를 포함하여 재정 상태를 확인한 후 빌릴 수 있는 금액 및 이자율을 대략적으로 계산해 주는 것을 말합니다.

    사전 승인을 통해 각 대출업체에서 제공하는 대출의 종류와 가격을 알아볼 수 있습니다. 짧은 시간 안에 세 개의 사전 승인을 모두 받을 경우, 신용 점수에는 큰 영향을 미치지 않습니다.

    어느 정도 결정을 내린 후, 이 대출업체들에게 다시 대출 조건을 요청하시면 됩니다.

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    대출 기간, 대출 금리 구조 및 대출 프로그램에 대해 알아보세요.

    장기 대출 또는 단기 대출

    일반적으로 대출 기간이 길수록 대출 기간 동안 더 많은 비용을 내야 합니다. 그러나 보통 월 상환금은 더 적습니다. 대출업체와 협상을 통해 20년, 7년 심지어는 30년 이상과 같이 대출 기간을 다르게 설정할 수도 있습니다.

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    대부분의 주택 구매자는 매월 납부해야 하는 상환금이 적기 때문에 30년 대출을 선택합니다.

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    보통 월 상환금은 30년 대출보다 많지만 대출을 15년 만에 갚을 수 있기 때문에 총비용은 더 적게 들어갈 수 있습니다.

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    고정금리 또는 변동금리

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    고정금리 대출이 일반적입니다. 변동금리 대출을 이용하면 초기 상환금이 적을 수 있지만 이자율이 상승하면 상환금이 급격하게 많아질 수 있습니다.

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    대출 기간 동안 이자율과 월 상환금이 그대로 유지됩니다.

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    일반적으로 대출 기간 가운데 초기 몇 년 동안은 이자율이 고정되어 있습니다. 고정 기간이 종료되면 이자율은 "지수"를 기반으로 정기적으로 바뀝니다. 일반적으로 지수는 이자율의 척도이며 전반적인 경제 추세를 반영합니다. 이는 상환액이 증가하거나 감소할 수 있음을 의미합니다. 자세한 내용은 대출 기관에서 받는 대출 견적서에 포함되어 있습니다.

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    일반 융자, FHA 융자, VA 융자 또는 특별 융자 프로그램에 대해 알아보세요.

    다양한 대출 프로그램이 있으며 그 가운데 일부는 특정 상황 또는 단체에 속한 사람을 돕기 위한 모기지도 있습니다.

    계약금(Down Payment)으로 5% 이상을 내시나요?

    패니메이(Fannie Mae) 또는 프레디맥(Freddie Mac)에서 보증하는 “일반” 모기지에 대해 문의하시기 바랍니다.

    적은 금액의 계약금을 내시나요?

    FHA에서 보증하는 모기지에 대해 문의하시기 바랍니다.

    군인 또는 재향군인이신가요?

    VA에서 보장하는 모기지에 대해 문의하시기 바랍니다.

    농촌 지역에 있는 주택을 구매하시나요?

    USDA에서 지원하는 모기지에 대해 문의하시기 바랍니다.

    저소득층 또는 중산층에 속하며 첫 주택을 구입하시나요?

    해당되는 주의 주택금융청을 통해 이용할 수 있는 대출에 대해 문의하시기 바랍니다.

    대출 조건을 비교해 보세요.

    이제 정식으로 신청 절차를 시작할 때입니다. 이용하고자 하는 대출의 종류, 프로그램 및 기간에 대해 대출업체로 대출 조건을 문의하시기 바랍니다. 그런 후에 조건을 나란히 놓고 비교할 수 있습니다.

    우선 대출에 대한 기본 사항을 비교해야 합니다.

    • 대출 기간이 어떻게 되나요?
    • 이자율은 얼마인가요?
    • 대출을 위해 기준이 된 계약금은 얼마인가요?
    • 월 상환금은 얼마씩 나가나요?
    • 변동금리 모기지의 경우, 조정될 수 있는 월 상환금과 이자율에는 상한이 정해져 있나요? 시장 금리가 하락할 경우 대출 이자율도 내려가나요?

    다음으로는 비용에 영향을 미칠 수 있는 나머지 세부 사항을 비교해야 합니다.

    • 월 상환금을 통해 원금은 언제 모두 갚게 되나요?
    • 대출 기간 동안 월 상환금이 바뀌나요? 월 상환금은 최고 얼마까지 올라갈 수 있나요?
    • 상환금에는 부동산 재산세와 보험료도 포함되어 있나요? 포함되어 있지 않다면 별도로 낼 수 있는 여력이 있으신 가요?
    • 초기 상환금에는 어떤 비용과 수수료가 추가되나요? 이후 계속해서 납부하는 상환금에는 추가되는 것이 있나요?
    • 포인트(이자율을 낮추는 선불 수수료)를 내야 하나요?
    • 빌리는 금액(일반적으로 “클로징 비용이 없는” 대출의 경우)에는 어떤 수수료와 비용이 포함되나요?
    • 서면으로 받은 조건이 대출에 대해 들었던 내용과 동일한가요?
    • 다른 서비스 제공 업체에서 더 좋은 조건으로 결제 서비스를 이용할 수 있나요?
    • 수수료 없이 대출을 일찍 상환하거나 정해진 월 상환금보다 더 큰 금액을 납부할 수 있나요?

    더 좋은 조건을 요청해 보세요.

    여러 대출업체에서 받은 조건을 살펴본 후, 더 좋은 조건을 제시해 줄 수 있는지 문의하시기 바랍니다. 협상은 일반적인 것이며 이에 대해 물어보는 것은 해가 되지 않습니다. 대출업체에서는 일부 수수료를 면제해 주거나 줄여줄 수 있으며 이자율 또는 포인트를 낮춰 줄 수도 있습니다.

    대출업체에서 한 가지 수수료를 낮춰주는 대신 다른 수수료를 올리거나, 이자율을 내려주는 대신 포인트를 올리지는 않았는지 잘 확인해 보시기 바랍니다.

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    - - - \ No newline at end of file diff --git a/www.consumerfinance.gov/language/ko/shopping-for-your-auto-loan/index.html b/www.consumerfinance.gov/language/ko/shopping-for-your-auto-loan/index.html deleted file mode 100644 index 139c7d130bb..00000000000 --- a/www.consumerfinance.gov/language/ko/shopping-for-your-auto-loan/index.html +++ /dev/null @@ -1,1476 +0,0 @@ - - - - - - - 자동차 대출을 알아보는 방법 | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    Shopping for your auto loan (in Korean)
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    자동차 대출을 알아보는 방법

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    여러 대출을 비교하여 가장 좋은 이자율과 조건을 찾는 것은 복잡하지만 다른 상품을 비교하여 구매할 때와 크게 다르지 않습니다. 미리 알아보면 자동차 대출 협상에 대비할 수 있고 절차에 대한 스트레스를 줄일 수 있습니다.

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    오토론 신청 준비하기

    대출을 신청하기 전에 아래의 단계를 따라 준비하시면 자동차 대출 선정 및 협상 시에 유리할 것입니다.

    신용 보고서를 확인하세요

    신용 점수는 신용 보고서에 담긴 정보를 바탕으로 결정됩니다. 그리고 이 신용 점수는

    이용할 수 있는 자동차 대출의 종류 및 대출을 받을 때 지불해야 하는 이자에 큰 영향을 미칩니다.

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    공동 서명자가 필요하신가요?

    공동 서명자는 채무자와 마찬가지로 계약에 따라 대출을 갚아야 할 의무를 가진 사람을 말하며 부모나 가족 구성원 또는 친구가 여기에 해당될 수 있습니다. 신용 거래 기록이 적거나 개선이 필요한 경우, 그리고 신용 점수가 낮거나 신용 점수가 없는 경우에는 신용 점수가 좋은 공동 서명자가 있다면 이자율을 상당히 낮출 수 있습니다. 이는 대출업체에서 공동 서명자의 신용 거래 기록 및 신용 점수를 바탕으로 대출을 결정하기 때문입니다.

    공동 서명자를 고려하고 있다면 예비 공동 서명자와 함께 이 결정에 대해 신중하게 생각해야 합니다. 채무자가 대출금을 상환하지 않는다면 채무자와 공동 서명자가 함께 상환에 대한 책임을 지게 됩니다. 공동 서명자는 자동차 소유권이 없더라도 대출에 대한 책임을 져야 합니다. 또한, 상환이 연체되면 채무자와 공동 서명자의 신용 거래 기록 및 신용 점수에 영향이 있습니다. 일반적으로 연방법에서는 개인이 대출을 신청할 때 신용도가 대출업체의 기준에 부합하는 경우, 대출업체에서 공동 서명자를 요구하는 것을 금지하고 있습니다. consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811 에 방문하시면 공동 서명자에 대해 더 자세한 내용을 확인하실 수 있습니다.

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    자동차 대출의 현재 이자율을 확인하세요

    여러 은행, 신용조합 또는 기타 대출업체에 문의하여 이자율을 알아볼 수 있습니다. 많은 상업 사이트를 통해 온라인으로 전국 및 지역별 예상 이자율도 확인할 수 있습니다. 일부 상업 사이트는 견적을 제공하는 특정 대출업체 및 대리점으로 연결되므로, 개인 정보 입력 시 주의하셔야 합니다.

    계약금을 고려해 보세요

    계약금이 있으면 빌려야 할 금액이 적어지기 때문에 총 대출금이 줄어듭니다. 계약금이 많을수록 대출을 받는데 들어가는 총비용이 낮아집니다.

    현재 소유하고 있는 차량의 보상 판매 여부를 결정하세요

    이미 차량을 소유하고 있다면 보상 판매 또는 개인 매매를 통해 얼마를 받을 수 있는지 알아보시기 바랍니다. 컨슈머리포츠(Consumer Reports), 에드먼스닷컴(Edmunds.com), 켈리블루북(Kelley Blue Book), J.D. 파워(J.D. Power) 등 상업 온라인 웹사이트와 온라인 중고 거래 사이트를 이용하면 대략적인 가격을 찾아볼 수 있습니다. 이러한 자료들은 지역 도서관에서도 이용할 수 있습니다. 최근 주변 지역에서 유사한 차량이 매매된 사례를 찾아 합당한 가격을 추산하는 방법도 있습니다.

    현재 소유하고 있는 차량의 대략적인 가치를 알아본 후, 보상 판매를 할지 또는 직접 판매를 할지 결정할 수 있습니다. 자동차 판매 대리점에서 보상 판매를 한다면 대리점과 협상하여 다음 차량을 구매할 때 공제되는 금액을 결정합니다. 직접 판매를 하기로 한다면 판매금을 계약금으로 활용할 수 있습니다.

    보상 판매하는 차량에 대출이 있다면 신중하게 생각해 보세요.

    기존 채무 외에 새로운 채무를 감당할 것인지 신중히 생각해 보아야 합니다. 다음은 몇 가지 고려 사항 및 절차입니다.

    • 대리점을 방문하기 전에 현재 대출업체에서 상환액, 즉, 기존 대출을 갚기 위해 필요한 금액을 확인하셔야 합니다.
    • 현재 대출을 지금 상환할 것인지, 이전에 받은 자동차 대출을 모두 갚을 때까지 기다렸다가 새로운 차량을 구매하기 위해 대출을 받을 것인지, 또는 현재 소유하고 있는 차량에 남아 있는 채무액을 신규 자동차 대출에 포함시킬 것인지 결정하셔야 합니다.
    • 현재 소유하고 있는 차량의 가치보다 채무액이 더 높게 뒤바뀐 상황이라면, 역자산을 보유하고 있는 것입니다. 기존 자동차 대출 잔액을 신규 자동차 대출에 포함시킨다면 이로 인해 훨씬 더 많은 비용이 들 수 있습니다. 새 차의 가격보다 더 많은 돈을 빌려야 하기 때문에 총 대출 비용이 더 높아지는 것입니다.
    • 보상 판매 가격을 알아보고 난 후, 보상 판매하고자 하는 차량의 가치가 남아있는 대출금보다 높다면, 협상 과정에서 보상 판매 차량에 대한 합당한 가격을 제안받고 기존의 자동차 대출을 완전히 갚을 수 있는지 생각해 보는 것이 중요합니다.
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    보상 판매 차량에 대출금이 남아 있나요?

    기존 대출 잔액을 신규 대출에 포함시키려고 한다면, 신규 대출의 총비용에 어떤 영향을 미치는지 먼저 이해해야 합니다. 동의하기에 앞서 대출 금액, 연이율(APY), 이자율, 대출 기간(개월 수) 및 월 상환액을 포함하여 신규 대출 비용을 신중히 살펴보시기 바랍니다. 기존 차량에 대한 채무액을 신규 대출에 포함시키지 않고 현재 소유 차량을 유지하면서 새 자동차를 구매한다면, 두 개의 대출이 있어 월 상환금도 각각 납부해야 할 것입니다. 어떤 방법을 선택하더라도 보상판매 차량에 대한 채무액이 남아있다면 거래를 계속 진행하여 새로운 차량을 구매하는 것이 올바른 선택인지 생각해 봐야 합니다. 자세한 내용은 consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    선택 가능한 추가 옵션에 대해 미리 생각해 보세요

    자동차 판매 대리점을 방문하시면 차량이나 대출에 대한 추가 상품 및 서비스를 제안받을 가능성이 큽니다. 대리점에서 고민해야 할 사항을 줄이고 추가 옵션을 구매하라는 제안에 대해 미리 답을 준비해두기 위해 추가 옵션에 대해 미리 생각해 두는 것이 좋습니다. 일반적인 추가 옵션은 다음과 같습니다.

    이러한 상품 및 서비스는 선택 사항이며 대출을 이용하여 구매할 수도 있습니다. 구매를 결정했다면 가격은 협상할 수 있습니다. 추가 상품 또는 서비스를 구매하고 싶다면, 여러 곳에 알아보시기 바랍니다. 예를 들어, 현재 이용 중인 자동차 보험회사에서 GAP 보험, 신용보험 또는 다른 대안을 제공할 수도 있습니다. 선택 가능한 추가 옵션을 대출을 이용해 구매할 경우, 대출금 및 상환액은 증가합니다.

    이제 모든 사전조사가 끝나고 자동차 대출을 본격적으로 알아볼 준비가 되셨습니다. consumerfinance.gov에 있는 자동차 대출 워크시트를 사용하여 대출 조건을 파악하고 선택안을 서로비교해 보시기 바랍니다. 여러 대출을 비교해 보고 자신에게 가장 좋은 조건의 대출을 받을 수 있도록 은행, 신용조합, 기타 대출업체 및 자동차 판매 대리점을 방문할 때 이 워크시트를 가져가시면 됩니다.

    자동차 대출 알아보기

    이제 대출을 알아볼 준비가 되셨습니다. 대리점으로 가기 전에 개인정보를 미리 준비하고 대출 사전 승인을 받는 것을 고려해 보시기 바랍니다.

    미리 알아보면 자동차 대출 협상에 대비할 수 있고 절차에 대한 스트레스를 줄일 수 있습니다.

    개인정보를 준비하세요

    은행, 신용조합 또는 자동차 판매 대리점을 방문할 때는 필요한 모든 정보를 준비하셔야 합니다. 대출업체에서 대출 신청서를 작성할 때 일반적으로 다음과 같은 정보를 요구합니다.

    • 이름
    • 사회보장번호 또는 ITIN
    • 생년월일
    • 현재와 이전 주소 및 체류 기간
    • 현재와 이전 직장 및 근무기간
    • 직업
    • 수입원
    • 총 월 소득
    • 기타 채무를 포함한 현재 신용 거래 계정에 대한 금융 정보

    대출 사전 승인을 받으세요

    은행, 신용조합 또는 기타 대출업체에서 최대로 받을 수 있는 대출 금액과 이자율에 대해 사전 승인을 받거나 견적을 받는 것부터 시작하는 것이 좋습니다. 대출업체에서 받은 대출 견적을 대리점에 가져가면 대출업체에서 대출을 받거나 대리점에서 제안하는 대출 상품을 선택할 때 더 좋은 조건을 받는데 유리할 수 있습니다.

    사전 승인은 예산을 초과하지 않고 대리점에서 시간적 압박 없이 이자율을 비교하는 데 도움이 됩니다. 사전 승인을 통해 받을 수 있는 대출 조건에 대해 미리 알고 있기 때문에 대리점에서는 차량 가격 및 보상 판매 차량의 가격에 집중할 수 있게 됩니다. 사전 승인을 받은 대출을 이용하는 대신, 대리점에서 더 좋은 조건의 대출을 받기 위해 협상할 수도 있습니다.

    대출이 사전 승인되면 대출업체는 대리점에 제출할 수 있는 서류를 제공합니다. 구매할 준비가 되면, 대리점에서 대출 기관 최종 협의를 합니다.

    대출을 알아보는 것이 신용 점수에 어떤 영향을 주는지 이해하세요

    일반적으로 가장 좋은 조건의 자동차 대출을 알아보는 것은 신용 점수에 거의 영향을 미치지 않습니다. 자동차 대출을 알아봄으로써 얻는 이익이 신용 점수에 미치는 영향보다 훨씬 큽니다. 장기간에 걸쳐 여러 대출을 신청하면 신용 점수가 하락하는 경우가 있습니다. 신용 점수 산정 모델에 따라, 보통 14일에서 45일 사이에 여러 대출업체에서 요청한 신용 점수 요청 또는 문의는 모두 하나의 조회로 계산됩니다. 이는 그 기간 안에 여러 자동차 대출을 알아보면 한 건의 대출을 신청하는 것과 같다는 것을 의미합니다. 단기간에 모든 이자율을 알아보면 신용 점수에 미치는 나쁜 영향을 최소화할 수 있습니다.

    보장받는 권리에 대해 알아보세요

    대출업체는 인종, 피부색, 종교, 출신 국가, 성별, 결혼 여부, 나이, 공적 보조금 수급 여부 또는 소비자 신용보호법(Consumer Credit Protection Act)에 따라 행한 모든 신실한 권리 행사를 바탕으로 신용 거래 신청을 취소 또는 거부할 수 없으며, 대출에 대해 다른 가격을 제시하거나 대출 조건을 다르게 설정할 수 없습니다.

    사기 신고는 연방거래위원회(FTC)의 웹사이트인 reportfraud.ftc.gov 를 통해 온라인으로 하실 수 있습니다. 민원은 소비자금융보호국 웹사이트인 consumerfinance.gov/complaint 에서 온라인으로 접수하실 수 있으며 무료 전화번호인 1-855-411-CFPB(2372) 번으로 전화하여 접수하실 수도 있습니다

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    Будьте оперативны, если не можете осуществить выплаты по кредитным картам

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    Действуйте незамедлительно и позвоните в компанию, которая является эмитентом вашей кредитной карты, если вы не в состоянии выплатить сумму минимального платежа по этой кредитной карте.

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    Многие компании-эмитенты кредитных карт будут готовы пойти навстречу, если вы оказались в тяжелой финансовой ситуации. Вы можете обратиться за помощью к компаниям-эмитентам кредитных карт даже в том случае, если у вас нет задержек с платежами.

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    Не игнорируйте проблему

    Это может привести лишь к более серьезным проблемам, таким как:

    • Более высокие процентные ставки
    • Более высокие минимальные платежи
    • Потеря возможности использовать кредитную карту
    • Штрафы за задержку платежей
    • Ухудшение кредитной истории

    Вот что нужно сделать

    1. Рассчитайте общие суммы ваших доходов и расходов

    Попытайтесь найти способы сократить расходы. Если вы не можете найти достаточно средств для оплаты минимального платежа, определите, сколько вы можете заплатить.

    2. Позвоните в компанию-эмитент вашей кредитной карты

    Обязательно четко разъясните следующее:

    • Почему вы не можете оплатить минимальный платеж
    • Сколько вы в состоянии заплатить
    • Когда вы сможете возобновить обычные выплаты

    3. Рассмотрите возможность обращения к кредитному консультанту

    Если вам нужна дополнительная помощь, некоммерческие организации по кредитному консультированию могут научить вас лучше контролировать свои финансы.

    Прежде чем согласиться на кредитное консультирование, спросите, возьмут ли с вас плату за такие услуги и какие именно услуги вы получите. Убедитесь, что ваш консультант по кредиту уделяет время изучению вашей финансовой ситуации и предлагает помощь в улучшении ее.

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    Легких решений нет

    Некоторые частные компании по облегчению долгового бремени обещают помочь расплатиться с долгами «буквально за гроши» Но часто эти обещания не выполняются. Остерегайтесь любых организаций по облегчению долгового бремени, которые:

    • Взимают плату до урегулирования ваших долгов
    • Гарантируют, что могут избавить вас от долгов
    • Требуют прекратить контакты с кредиторами или эмитентами кредитных карт
    • Требуют прекратить выплаты по кредитным картам или займам
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    Auto loans key terms (in Russian)
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    Основные термины автокредита

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    Фактическая денежная стоимость (Actual Cash Value - ACV)

    Фактическая денежная стоимость (ACV) — это стоимость автомобиля согласно общепризнанным независимым источникам таким, как National Automobile Dealers Association (Национальная ассоциация автомобильных дилеров) или Kelley Blue Book (Синяя книга Келли) .

    Амортизация (Amortization)

    Амортизация описывает процесс постепенного погашения автокредита. При амортизации кредита для каждого из ваших ежемесячных платежей часть платежа направляется на погашение суммы кредита – основная сумма кредита – и часть платежа направляется на оплату финансовых сборов – процентов.

    Подробнее (на английском языке)

    Годовая процентная ставка (Annual Percentage Rate - APR)

    Годовая процентная ставка (APR) — это выраженная в процентах стоимость, которую вы платите каждый год, чтобы занять деньги. APR — это более широкая мера стоимости займа денег для вас, поскольку она отражает не только процентную ставку, но и сборы, которые вы должны заплатить, чтобы получить кредит. Чем выше APR, тем больше вы будете платить за срок кредита.

    APR автокредита и процентная ставка являются двумя наиболее важными показателями цены, которую вы платите за заимствование денег. Федеральный Закон о правде в кредитовании (TILA) требует, чтобы кредиторы предоставляли вам конкретную информацию о важных условиях, включая APR, до того, как у вас возникнут юридические обязательства по кредиту. Поскольку все кредиторы должны предоставить APR, вы можете использовать APR для сравнения автокредитов. Просто убедитесь, что вы сравниваете APR с APR, а не с процентными ставками.


    Правопреемник (Assignee)

    Правопреемник — это лицо или компания, которая покупает ваш автокредит. Например, автодилер, который предоставляет вам кредит, может продать ваш кредит банку, сделав банк правопреемником. Вы должны деньги тому, кто купил ваш кредит. Правопреемник имеет право удержания автомобиля и может изъять его, если вы не платите.

    Базовая цена (Base price)

    Базовая цена – это цена автомобиля без опций.

    Подробнее (на английском языке)

    Ставка покупки (Buy rate)

    Ставка покупки — это процентная ставка, которую потенциальный кредитор предлагает вашему дилеру, когда вы подаете заявку на финансирование, организованное дилером.

    Подробнее (на английском языке)

    Сопоручитель (Co-signer)

    Сопоручитель — это человек, например родитель, близкий член семьи или друг, который обязуется вернуть кредит, если вы этого не сделаете. Это может быть выгодно как вам, так и вашему кредитору. Сопоручитель берет на себя полную ответственность за выплату кредита. Наличие сопоручителя по вашему кредиту дает вашему кредитору дополнительную уверенность в том, что кредит будет погашен. Если вы не погасите кредит, ваш сопоручитель будет нести ответственность за его погашение, даже если сопоручитель никогда не водил ваш автомобиль. Если вас попросили совместно подписать кредит, вы должны подумать Кредитное страхование .


    Кредитное страхование (Credit insurance)

    Кредитное страхование — это дополнительная страховка, которая может выполнить ваши платежи за автомобиль вашему кредитору в определенных ситуациях, например, если вы умрете или станете инвалидом. Если вы рассматриваете возможность кредитного страхования, убедитесь, что вы понимаете условия предлагаемого страхового полиса. Если вы решите, что вам нужна страховка, для вас могут быть более дешевые способы получить страховое покрытие, чем покупка кредитного страхования и добавление его к автокредиту. Например, страхование жизни может быть дешевле, чем кредитное страхование жизни, и позволить вашей семье погасить другие расходы в дополнение к вашему автокредиту.  


    Списание или приостановление долга (Debt cancellation or suspension products)

    Некоторые автодилеры, а также банки и кредитные союзы предлагают продукты «списание долга» и «приостановление долга» или страхование под различными названиями. Эти продукты аналогичны кредитному страхованию с точки зрения их функций, но сборы и другие функции могут отличаться.

    Подробнее (на английском языке)

    Дефицит баланса (Deficiency balance)

    Если ваш автомобиль конфискован и продан, вы можете нести ответственность за выплату разницы между суммой, оставшейся в вашем кредите (плюс сборы за удержание автомобиля), и ценой продажи. Это известно как «дефицит баланса».

    Первоначальный взнос (Down payment)

    Первоначальный взнос — это первоначальный авансовый платеж, который вы вносите в счет полной стоимости автомобиля. Ваш первоначальный взнос может быть наличными, стоимостью предмета, сдаваемого в счет оплаты нового автомобиля или и тем, и другим. Чем больше ваш первоначальный взнос, тем меньше вам нужно занимать денег. Больший первоначальный взнос может также уменьшить ваш ежемесячный платеж и общую стоимость финансирования.

    Расширенная гарантия или контракт на обслуживание автомобиля (Extended warranty or vehicle service contract)

    Расширенная гарантия или контракт на обслуживание автомобиля покрывают расходы на некоторые виды ремонта в дополнение к гарантии производителя или после ее окончания.

    Подробнее (на английском языке)

    Отдел финансов и страхования (Finance and insurance department)

    Если вы покупаете автомобиль в дилерском центре, продавец может порекомендовать вам кого-то из отдела финансов и страхования (F&I) или коммерческого офиса. Это часть дилерского центра, которая предлагает кредиты и дополнительные услуги клиентам после того, как они согласились купить автомобиль в дилерском центре.

    Подробнее (на английском языке)

    Финансирование с фиксированной процентной ставкой (Fixed-rate financing)

    Финансирование с фиксированной процентной ставкой означает, что процентная ставка по вашему кредиту не меняется в течение всего срока кредита. С фиксированной ставкой вы можете видеть свой платеж за каждый месяц и общую сумму, которую вы будете платить в течение срока действия кредита. Вы можете предпочесть финансирование с фиксированной процентной ставкой, если вы ищете платеж по кредиту, который не изменится. Финансирование с фиксированной процентной ставкой является одним из видов финансирования. Другим типом является финансирование с переменной процентной ставкой.

    Принудительная страховка (Force-placed insurance)

    Для того, чтобы получить кредит на покупку автомобиля, вы должны иметь страховку, покрывающую сам автомобиль. Если вам не удалось получить страховку или вы допустили истечение срока действия страховки, договор обычно дает кредитору право получить страховку для покрытия автомобиля. Такая страховка называется «принудительная страховка».

    Подробнее (на английском языке)

    Страхование гарантированной защиты автомобиля (Guaranteed Auto Protection (GAP) insurance)

    Страхование GAP покрывает разницу (или разрыв) между суммой, которую вы должны по автокредиту, и суммой, которую выплачивает ваша страховка, если ваш автомобиль был украден, поврежден или не подлежит ремонту. Вам не обязательно покупать эту страховку, но, если вы решите, что она вам нужна, присмотритесь к ценам. Кредиторы могут устанавливать различные цены на этот продукт.

    Процентная ставка (Interest rate)

    Процентная ставка по автокредиту – это выраженная в процентах стоимость, которую вы платите каждый год за заемные средства. Процентная ставка не включает сборы, взимаемые за пользование кредитом.

    APR автокредита и процентная ставка являются двумя наиболее важными показателями цены, которую вы платите за заимствование денег. Федеральный Закон о правде в кредитовании (TILA) требует, чтобы кредиторы предоставляли вам конкретную информацию о важных условиях, включая APR, до того, как у вас возникнут юридические обязательства по кредиту. Поскольку все кредиторы должны предоставить APR, вы можете использовать APR для сравнения автокредитов. Просто убедитесь, что вы сравниваете APR с APR, а не с процентными ставками.

    Срок или продолжительность кредита (Loan term or duration)

    Это продолжительность вашего автокредита, как правило, выраженная в месяцах. Более короткий срок кредита (при котором вы делаете ежемесячные платежи за меньшее количество месяцев) снизит общую стоимость кредита. Более длительный срок кредита может уменьшить ваш ежемесячный платеж, но вы уплатите больше процентов в течение срока кредита. Более длительный срок кредита также подвергает вас риску отрицательного капитала, когда вы должны за автомобиль больше, чем он стоит.

    Отношение кредита к стоимости (Loan-to-value ratio)

    Отношение кредита к стоимости (LTV) — это общая стоимость вашего кредита в долларах, деленная на фактическую денежную стоимость (ACV) вашего автомобиля. Это отношение обычно выражается в процентах. Ваш первоначальный взнос уменьшает отношение кредита к стоимости для вашего кредита.

    Подробнее (на английском языке)

    Обязательный арбитраж (Mandatory binding arbitration)

    Подписывая контракт с положением об обязательном арбитраже, вы соглашаетесь разрешать любые споры по контракту арбитром, который решает спор вместо суда. Вы также можете согласиться отказаться от других правтаких, как возможность обжаловать решение или присоединиться к коллективному иску.

    Подробнее (на английском языке)

    Стимулы производителя (Manufacturer incentives)

    Стимулы производителя — это специальные предложения такие,как финансирования со ставкой 0% или скидки наличными, которые вы, возможно, видели в рекламе новых автомобилей. Часто они предлагаются только для определенных моделей автомобилей.

    Рекомендованная производителем розничная цена (MSRP)

    Рекомендованная производителем розничная цена (Manufacturer Suggested Retail Price - MSRP)

    Рекомендованная производителем розничная цена (MSRP) — это цена, которую автопроизводитель — изготовитель автомобиля — предлагает дилеру запросить за автомобиль.

    Отрицательный капитал (Negative equity)

    Если вы должны по текущему автокредиту больше, чем стоит автомобиль — это называется «перевернутая ситуация» — тогда у вас отрицательный капитал. Другими словами, если вы попытаетесь продать свой автомобиль, вы не сможете получить ту сумму, которую вы уже должны за него. Например, скажем, вы должны 10 000 долларов по автокредиту, а ваш автомобиль теперь стоит 8000 долларов. Это означает, что у вас отрицательный капитал в размере 2000 долларов. Этот отрицательный капитал необходимо будет погасить, если вы хотите встречно продать свой автомобиль и взять автокредит для покупки нового автомобиля.

    Автокредит без проверки кредитоспособности или автокредит «купи здесь, плати здесь» (No credit check or "buy here, pay here" auto loan)

    Автокредит «без проверки кредитоспособности» или автокредит «купи здесь, плати здесь» предлагаются дилерскими центрами, которые обычно финансируют автокредиты «собственными силами» заемщикам без кредита или с плохой кредитной историей.

    Подробнее (на английском языке)

    Основная сумма кредита (Principal)

    Основная сумма кредита — это деньги, которые вы изначально согласились выплатить.

    Как правило, любой платеж, сделанный по автокредиту, в первую очередь относится к любым причитающимся сборам (например, сборы за просрочку платежа). Затем оставшиеся деньги от вашего платежа будут отнесены к любым причитающимся процентам, включая просроченные проценты, если применимо. Затем оставшаяся часть вашего платежа будет отнесена к остатку основной суммы вашего кредита.

    Ценообразование, основанное на риске (Risk-based pricing)

    Ценообразование, основанное на риске, возникает, когда кредиторы предлагают разным потребителям разные процентные ставки или другие условия кредита, исходя из предполагаемого риска того, что потребители не смогут погасить свои кредиты.

    Подробнее (на английском языке)

    Полная стоимость (Total cost)

    Раскрытие информации согласно Закону о правде в кредитовании  Это сумма, которую вы заплатите за покупку своего автомобиля, включая основную сумму кредита, проценты и любой первоначальный взнос или встречную продажу в течение срока действия кредита.

    Раскрытие информации согласно Закону о правде в кредитовании (Truth in Lending disclosure)

    Федеральный Закон о правде в кредитовании — или сокращенно «TILA» — требует, чтобы заемщики получали письменную информацию о важных условиях кредита, прежде чем они будут юридически обязаны выплачивать кредит. Узнайте больше об информации, включенной в ваше раскрытие информации по закону TILA, и о том, когда вы должны ее получать и рассматривать.

    Финансирование с переменной процентной ставкой (Variable-rate financing)

    Финансирование с переменной процентной ставкой — это такое финансирование, когда процентная ставка по вашему кредиту может меняться в зависимости от основной ставки или другой ставки, называемой «индексом». В случае кредита с переменной процентной ставкой процентная ставка по кредиту меняется по мере изменения индексной ставки, а это означает, что она может повышаться или понижаться. Поскольку ваша процентная ставка может увеличиться, ваш ежемесячный платеж также может увеличиться. Чем дольше срок кредита, тем более рискованным может быть кредит с переменной процентной ставкой для заемщика, потому что есть больше времени для повышения ставок. Финансирование с переменной процентной ставкой является одним из видов финансирования. Другим типом является финансирование с фиксированной процентной ставкой.

    Страхование единого интереса поставщика (Vendor's Single Interest (VSI) insurance)

    Страхование VSI защищает кредитора, но не вас, в случае повреждения или уничтожения автомобиля.

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    Автоматизированная клиринговая палата (Automated Clearing House - ACH)

    Авторизация автоматизированной клиринговой палаты (ACH) — это авторизация платежа, которая дает кредитору разрешение на электронное снятие денег со счета вашего банка, кредитного союза или предоплаченной карты при наступлении срока платежа. Вы можете отозвать это разрешение.

    Автоматическое дебетование (Automatic debit payment)

    При автоматическом дебетовании вы разрешаете компании брать платежи непосредственно с вашего банковского счета. Это отличается от функции постоянной оплаты счетов, предлагаемой вашим банком. При постоянной оплате счетов вы даете разрешение своему банку или кредитному союзу отправлять платежи компании.

    Депозитный сертификат (Certificate of deposit - CD)

    Депозитный сертификат или CD — это особый тип сберегательного счета, предлагаемый банками или кредитными союзами. Как правило, вы должны хранить свои средства на CD в течение определенного периода времени, чтобы избежать штрафов.

    Подробнее (на английском языке)


    Продление срока депозитного сертификата (Certificate of deposit (CD) rollover)

    Продление или возобновление может произойти в конце срока CD.

    Подробнее (на английском языке)

    Оплачиваемая по требованию тратта (Demand draft)

    Оплачиваемая по требованию тратта, позволяет кому-либо снимать деньги с вашего расчетного счета без вашей подписи.

    Подробнее (на английском языке)

    Резервирование средств по вкладу (Deposit hold)

    Время, в течение которого банк или кредитный союз удерживает средства, которые вы вносите чеком, иногда называют «резервирование средств по вкладу» или «резервирование средств по чеку». Некоторые банки или кредитные союзы могут предоставлять средства доступными быстрее, чем того требует закон, а некоторые могут ускорять доступность средств за определенную плату.

    Фидуциарий (Fiduciary)

    Фидуциарий - это лицо, которое управляет деньгами или имуществом для кого-то другого. Когда вас назначают фидуциарием, по закону вы обязаны управлять деньгами и имуществом человека в его или ее интересах, а не в ваших интересах.


    Опекун над имуществом (Guardian of property)

    Опекуном над имуществом является лицо, назначенное судом для управления деньгами и имуществом другого лица, которое, по решению суда, не может самостоятельно управлять своими деньгами и имуществом.

    Подробнее (на английском языке)


    Индивидуальный идентификационный номер налогоплательщика (Individual taxpayer identification number - ITIN)

    ITIN — это идентификационный номер, который вы получаете от Налогового управления США (Internal Revenue Service). ITIN предоставляется только некоторым иностранцам-нерезидентам и резидентам, их супругам и иждивенцам, которые не могут получить Номер социального обеспечения (Social Security Number).

    Совместный счет (Joint account)

    Если вы хотите, чтобы ваш друг или член семьи мог выписывать чеки и вносить депозиты от вашего имени, вы можете рассмотреть возможность открытия совместного счета. Как правило, каждый, чье имя указано на совместном счете, может выписывать чеки, снимать деньги, совершать транзакции, переводить средства или закрывать счет. Если один из владельцев счета должен деньги, кредитор может попытаться взыскать деньги с совместного банковского счета.

    Счет денежного рынка (Money market account)

    Счет денежного рынка — это особый тип счета, предлагаемый банками или кредитными союзами.

    Подробнее (на английском языке)

    Плата за необеспеченный чек (Non-sufficient funds (NSF) fees)

    Плата за NSF или необеспеченный чек может взиматься, если ваш чек или электронная авторизация не оплачены из-за отсутствия средств на вашем счете. Такой чек обычно называют «возвращенным» (returned) или «отклоненным» (bounced) чеком.

    Овердрафт (Overdraft)

    Овердрафт возникает, когда на вашем счете недостаточно денег для покрытия транзакции, но банк все равно оплачивает транзакцию. Вы можете перерасходовать свой счет с помощью чеков, транзакций в банкоматах, покупок по дебетовой карте, автоматических платежей по счетам, а также снятия средств в электронном виде или лично.

    Многие банки и кредитные союзы предлагают программы защиты от овердрафта, при наличии которых банк или кредитный союз обычно оплачивает транзакцию и взимает с вас плату за это (помимо требования о возврате суммы овердрафта). Овердрафт также может быть покрыт переводом средств со связанного счета, кредитной карты или кредитной линии.

    Личная кредитная линия (Personal line of credit)

    Личная кредитная линия — это кредит, который вы получаете время от времени. Вы выписываете специальные чеки или запрашиваете перевод на свой расчетный счет по телефону или онлайн.

    Как и в случае со счетом кредитной карты, у вас есть кредитный лимит, вы получаете ежемесячный счет, вносите минимальный платеж, выплачиваете проценты на основе непогашенного остатка и, возможно, платите комиссию каждый раз, когда используете счет.

    Личные кредитные линии не обеспечены, в отличие от кредитной линии под залог дома (HELOC), которая обеспечена ипотекой на ваш дом. Личные кредитные линии предлагаются банками и кредитными союзами и обычно требуют, чтобы у вас также был расчетный счет в том же учреждении.

    Доверенность (Power of attorney)

    Доверенность (POA) — это юридический документ, который позволяет другому лицу действовать от вашего имени. Создание POA — это относительно недорогой способ назначения замещающего лица, принимающего решения за вас, хотя для этого может потребоваться помощь юриста.

    Финансовую POA можно использовать в качестве инструмента для планирования в случае будущей недееспособности — неспособности принимать финансовые решения, например, из-за слабоумия, черепно-мозговой травмы или какого-либо другого нарушения, влияющего на умственные функции. При использовании для заблаговременного планирования POA обычно является «долговременной» (durable), что означает, что она продолжает действовать, даже если человек, создавший ее, становится недееспособным. Читайте дополнительный материал, чтобы узнать больше о доверенности (POA).

    Представитель получателя платежей (Representative payee)

    Администрация социального обеспечения (SSA) назначает лицо в качестве представителя получателя платежей для другого лица, которому требуется помощь в управлении выплатами пособий Социального обеспечения или Дополнительного дохода по социальному обеспечению (SSI). Представитель получателя платежей может распоряжаться только чеками на пособия, оплаченными SSA. Если лицо, получающее пособия, имеет другие деньги или имущество, которыми оно не может распоряжаться, представитель получателя платежей должен иметь юридические полномочия из другого источника для управления другими средствами. Например, представитель получателя платежа также может быть назначен судом опекуном над имуществом. Как представитель получателя платежей социального обеспечения, вы являетесь фидуциарием (fiduciary).

    Для получения дополнительной информации о представителях получателя платежей прочитайте это руководство по управлению деньгами других лиц.

    Отзывной траст, вступающий в силу при жизни его основателя (Revocable living trust)

    Отзывной траст, вступающий в силу при жизни его основателя— это юридический документ, который дает вам право принимать решения о деньгах или имуществе другого лица, находящихся в доверительном управлении.

    Подробнее (на английском языке)

    Представитель получателя платежей социального обеспечения (Social Security representative payee)

    Администрация социального обеспечения назначает лицо в качестве представителя получателя платежей для другого лица, которому требуется помощь в управлении платежами пособий Социального обеспечения или Дополнительного дохода по социальному обеспечению.

    Подробнее (на английском языке)

    Фидуциарий Администрации по делам ветеранов (VA fiduciary)

    Фидуциарий – это лицо, управляющее деньгами или имуществом для какого-либо другого лица. Администрации по делам ветеранов (VA) назначает фидуциариев VA для управления льготами ветеранов для людей, которые не могут самостоятельно распоряжаться средствами.

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    Проверяйте свой отчет о кредитной истории как минимум один раз в год

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    Желательно проверять свои кредитные отчеты как минимум один раз в год.

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    Бесплатные копии кредитных отчетов можно получать один раз в 12 месяцев. Для этого нужно зайти на веб-сайт: annualcreditreport.com . Это единственный источник онлайн, который санкционирован федеральным законодательством для того, чтобы предоставлять бесплатные отчеты о кредитоспособности от трех крупнейших национальных бюро кредитных историй - Equifax, Experian и TransUnion.

    Кроме этого, до 31 декабря 2026 года компания Equifax будет предоставлять шесть бесплатных кредитных отчетов каждые 12 месяцев. При посещении этого сайта вы возможно увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в своем рейтинге кредитоспособности.

    На других веб-сайтах, где могут предлагаться бесплатные отчеты о кредитоспособности, от вас могут требовать, чтобы вы подписались на "бесплатную демонстрацию", которая в конечном счете приведет к тому, что вам будут выставлять счет, или вам попробуют продать другие товары или услуги, которые вам не нужны.

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    Для чего нужно проверять свой кредитный отчет:

    • Чтобы убедиться в том, что в отношении вас указана правильная и актуальная информация
    • Находить какие-либо ошибки
    • Проверять то, чтобы в вашем отчете содержалась только информация о вас, чтобы избежать хищения персональных данных
    • Исправлять любые обнаруженные ошибки

    Ошибки, содержащиеся в ваших кредитных отчетах или случаи мошенничества, вызванные хищением ваших персональных данных, могут привести к тому, что заимствование средств будет более дорогим для вас или вы не сможете получить кредит.

    Типичные ошибки в кредитных отчетах:

    • Ссуды и счета для кредитов, которые вы никогда не открывали
    • Неправильно написанное имя и фамилия, неправильный номер социального страхования, неправильный адрес или номер телефона
    • Неправильно указано то, что счета не оплачены, неправильные балансы средств, неправильные лимиты кредитования, закрытые счета указаны как открытые, неправильные даты несвоевременной оплаты счета или счет указан несколько раз
    • Счета не указаны как "оплаченные" в то время, когда платежи можно было задерживать во время пандемии КОВИД-19

    Обжалуйте найденные вами ошибки

    В кредитном отчете вы также получите информацию о том, как можно обжаловать ошибку. Обычно необходимо послать письмо с обжалованием информации как в бюро кредитных историй, так и в компанию, которая была источником или "поставщиком" такой информации (например - компания по обслуживанию кредитных карт).

    Четко объясните им, что по вашему мнению указано неправильно и почему. Укажите факты, объясните почему вы оспариваете эту информацию и попросите, чтобы ее исправили.

    К своему письму с обжалованием информации вам желательно приложить копию соответствующей части кредитного отчета. Выделите спорные пункты, чтобы их было видно.

    Кроме этого, приложите копии документов, которые подтверждают вашу позицию. Никогда не высылайте оригиналы документов. Сохраните у себя копии своих писем с оспариванием информации и приложения к ним.

    Бюро кредитных историй и поставщик информации будут обязаны провести расследование этого спора и устранить все ошибки. Если оспариваемая информация неправильна или не может быть подтверждена – компания, которая предоставила такую информацию, обязана удалить или изменить ее и предоставить исправление в те бюро кредитных историй, которые получили ее. Если в ходе расследования не будет разрешен ваш спор, поданный в компанию кредитных историй, то в таком случае вы имеете право попросить, чтобы изложение этого спора было включено в информацию о вашей кредитоспособности и в будущие кредитные отчеты.

    Вы не обязаны платить за мониторинг кредитоспособности

    Многие компании, которые обещают предоставлять вам бесплатные отчеты о кредитоспособности, хотят подписать вас на свои услуги по мониторингу вашего кредитного рейтинга или на другую продукцию. Вы можете предпринять бесплатные или недорогие нижеуказанные шаги для того, чтобы защитить себя.

    Если у вас есть жалоба или опасения по поводу услуг по мониторингу кредитного рейтинга - свяжитесь с Федеральной торговой комиссией по телефону, 877-FTC-HELP.

    Самостоятельно следите за своей кредитоспособностью

    В соответствии с законодательством вы имеете право попросить, чтобы вам предоставляли бесплатный отчет о кредитоспособности один раз в 12 месяцев от каждого из общенациональных бюро кредитных историй. Вы можете получить эти отчеты одновременно или можете разделить их по времени. Например, вы можете получить эти отчеты одновременно или можете разделить их по времени. Например, вы можете зайти на веб-сайт annualcreditreport.com в январе для того, чтобы получить свой отчет от компании Experian. В апреле вы можете запросить отчет от компании Equifax, а в августе запросить отчет от компании TransUnion. Чередуя свои запросы таким образом вы можете в течение всего года бесплатно следить за своей кредитоспособностью.

    Защитите себя от похитителей персональных данных

    Вам не нужно платить за услуги по мониторингу кредитного рейтинга для того, чтобы не позволить похитителям открывать счета от вашего имени. Свяжитесь с компаниями Equifax, Experian и TransUnion и попросите их, чтобы они "заморозили" ваши кредитные отчеты. Такое "замораживание" не позволит потенциальным заимодавцам получать доступ к вашей кредитной истории до тех пор, пока вы не отмените это "замораживание" для конкретного заимодавца или на конкретный отрезок времени. Как правило, заимодавцы не будут предлагать вам кредит в том случае, если они не могут получить доступ к отчетам о вашей кредитоспособности. Таким образом "замораживание" не позволит вам или другим лицам открывать счет на ваше имя. За "замораживание" счета платить не нужно.

    Запрос о сообщении о мошенничестве

    Если вы полагаете, что вы пострадали (или в скором времени пострадаете) от хищения персональных данных или мошенничества - вы можете внести в свой кредитный отчет сообщение о мошенничестве. Сообщение о мошенничестве требует от заимодавцев того, чтобы они предприняли действия для проверки вашей личности до того, как будут открывать новый счет по вашему запросу, или выдадут дополнительную кредитную карточку, или увеличат лимит кредитования по существующему счету. Вы также можете предоставить номер телефона, чтобы заимодавцы могли позвонить вам и подтвердить вашу личность (сообщение о мошенничестве не будет запрещать заимодавцу предоставлять кредит на ваше имя).

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    Если вы подозреваете, что в результате хищения ваших личных данных в ваш отчет попала ошибка - вам нужно обжаловать отчет, чтобы исправить ее. Если вы хотите получить информацию о том, как избежать похищения ваших личных данных и о том, какие действия вы можете предпринять, если вы пострадали от хищения ваших данных - вы также можете зайти на веб-сайт по борьбе с хищением личных данных Федеральной комиссии по вопросам торговли: ftc.gov/idtheft

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    Для военнослужащих: подумайте о том, что можно внести сообщение о переходе на действительную военную службу

    Если вы военнослужащий и находитесь на действительной военной службе - вы можете внести в кредитный отчет "сообщение о действительной военной службе", чтобы снизить риск хищения персональных данных. Такое сообщение позволит потенциальному заимодавцу знать о том, что вы находитесь на действительной военной службе и можете находиться за пределами страны. Поэтому заимодавец будет обязан сделать соответствующие шаги по проверке вашей личности перед тем, как предоставить кредит на ваше имя. Вы также можете попросить, чтобы Equifax, TransUnion и Experian осуществляли бесплатный мониторинг вашего кредитного рейтинга. Дополнительную информацию можно найти на веб-сайте бюро CFPB, раздел "Кредитные отчеты и рейтинги" (Credit reports & scores).

    Если вы ветеран, то некоторые типы медицинских долгов могут быть удалены из вашего кредитного отчета. Вам нужно будет оспорить информацию, которая имеется в бюро кредитных историй, и предоставить доказательства того, что Администрация по делам ветеранов будет отвечать за такой долг или уже занимается процедурой по его оплате.

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    Годовая процентная ставка (Annual percentage rate - APR)

    APR, или годовая процентная ставка, является стандартным способом сравнения стоимости кредитов. Он позволяет сравнивать стоимость кредитных продуктов по принципу «сравнивать яблоки с яблоками». Компания, выпустившая вашу кредитную карту, должна раскрыть информацию о годовой процентной ставке, прежде чем вы согласитесь использовать карту.

    Чтобы рассчитать APR, процентная ставка и сборы сравниваются с суммой, которую вы занимаете, и расчет проводится для периода в один год. Это позволяет сравнить стоимость кредитной карты с шестимесячным кредитом с погашением в рассрочку. Именно поэтому APR часто отличаются от простых процентных ставок.

    Перевод остатка (Balance transfer)

    Перевод остатка позволяет переместить непогашенный остаток задолженности с одной кредитной карты на другую, иногда за определенный сбор. Сбор обычно составляет определенный процент от суммы перевода или фиксированную сумму, в зависимости от того, что больше. Многие компании, выпускающие кредитные карты, предлагают беспроцентные или низкопроцентные переводы остатка, чтобы предложить вам консолидировать свой долг на одной кредитной карте. Стимулирующая процентная ставка для большинства переводов остатка действует в течение ограниченного времени. После этого процентная ставка по вашей новой кредитной карте может вырасти, увеличив сумму платежа.

    Если вы просрочили платеж более чем на 60 дней, компания-эмитент кредитной карты может увеличить вашу процентную ставку по всем остаткам, включая переведенный остаток.

    Кредитовый остаток (Credit balance)

    Кредитовый остаток на счету — это сумма, которую эмитент карты должен вам.

    Кредиты добавляются к вашему счету каждый раз, когда вы делаете платеж. Он также может быть добавлен, когда вы возвращаете что-то, купленное с помощью кредитной карты, или из-за заработанных вами вознаграждений, или из-за ошибки в предыдущем счете. Если общая сумма кредитов превышает сумму, которую вы должны, в выписке отображается кредитовый остаток.

    Подробнее (на английском языке)


    Ежедневная периодическая процентная ставка (Daily periodic rate)

    Некоторые эмитенты карт рассчитывают проценты по счету, используя ежедневную периодическую процентную ставку, которая используется для расчета процентов путем умножения ставки на сумму, причитающуюся в конце дня. Эта сумма процентов затем добавляется к балансу предыдущего дня, что означает, что проценты начисляются ежедневно.

    Льготный период (Grace period)

    Льготный период — это период между окончанием платежного цикла и датой наступления срока платежа. В течение этого времени с вас не могут взимать проценты, если вы полностью погасите остаток в установленный срок. Компании-эмитенты кредитных карт не обязаны предоставлять льготный период. Однако большинство кредитных карт предоставляют льготный период на покупки.

    Подробнее (на английском языке)

    Процентная ставка (Interest rate)

    Процентная ставка по кредитной карте — это цена, которую вы платите за то, что берете деньги в долг. Для кредитных карт процентные ставки обычно указываются в виде годовой ставки, которая называется годовой процентной ставкой (APR). По большинству карт можно не платить проценты за покупки, если ежемесячно полностью оплачивать остаток к установленному сроку.

    Предложение кредитной карты с предварительной проверкой (Prescreened credit card offer)

    Предложение кредитной карты с предварительной проверкой происходит, когда компании-эмитенты кредитных карт используют информацию от компаний, предоставляющих кредитные отчеты, чтобы сделать твердые предложения кредита вам, если ваша кредитная история соответствует критериям, выбранным компанией-эмитентом.

    Подробнее (на английском языке)


    Несанкционированное использование (Unauthorized use)

    Как правило, несанкционированное использование — это использование кредитной карты лицом, не имеющим права использовать карту. Например, если вы потеряете свою карту, а кто-то ее найдет и воспользуется, это будет считаться несанкционированным использованием.

    Подробнее (на английском языке)

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    Запрос кредитной информации (Credit inquiry)

    Запрос относится к просьбе ознакомиться с вашей кредитной историей, и обычно он подразделяется на один из двух типов.

    Подробнее (на английском языке)

    Кредитные невидимки (Credit invisible)

    В 2015 году мы опубликовали отчет, в котором говорится, что 26 миллионов американцев являются «кредитными невидимками». Эта цифра показывает, что каждый десятый взрослый не имеет кредитной истории в одной из трех общенациональных компаний, предоставляющих кредитную отчетность. Еще 19 миллионов потребителей имеют «неподдающиеся оценке» кредитные досье, что означает, что их досье неполноценное и имеет недостаточную кредитную историю (9,9 миллиона) или у них устаревшие файлы и отсутствует какая-либо недавняя кредитная история (9,6 миллиона). В целом, 45 миллионов потребителей могут быть лишены доступа к кредиту, потому что у них нет кредитной истории, которую можно было бы оценить. Люди, кредитная история которых не видна или не поддается оценке, как правило, не имеют доступа к качественному кредиту и могут столкнуться с рядом проблем, от попытки получить кредит до аренды квартиры.

    Служба кредитного мониторинга (Credit monitoring service)

    Служба кредитного мониторинга — это коммерческая служба, которая взимает с вас плату за просмотр ваших кредитных отчетов и оповещение вас об изменениях в счетах, перечисленных в вашем кредитном отчете.

    Подробнее (на английском языке)


    Кредитный отчет (Credit report)

    Кредитный отчет — это выписка, содержащая информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов.

    Компания кредитных историй (Credit reporting company)

    Компании кредитных историй, также известные как бюро кредитных историй или агентства по предоставлению информации о кредитоспособности потребителей, представляют собой компании, которые составляют и продают кредитные отчеты.

    Кредитный рейтинг (Credit score)

    Кредитный рейтинг показывает, насколько велика вероятность того, что вы вовремя выплатите кредит. Компании используют математическую формулу, называемую рейтинговой моделью, для создания вашего кредитного рейтинга на основе информации в вашем кредитном отчете. Важно знать, что у вас есть не только «один» кредитный рейтинг, а существует множество кредитных рейтингов, доступных как вам, так и кредиторам. Любой кредитный рейтинг зависит от данных, используемых для его расчета, и может отличаться в зависимости от рейтинговой модели, источника вашей кредитной истории, типа кредитного продукта и даже дня, когда он был рассчитан.

    Закон о точной отчетности по кредитам (Fair Credit Reporting Act)

    Федеральный Закон о точной отчетности по кредитам (FCRA) способствует обеспечению точности, справедливости и конфиденциальности информации в файлах агентств по предоставлению информации о кредитоспособности потребителей. Существует много типов агентств по предоставлению информации о кредитоспособности потребителей, включая бюро кредитной информации и специализированные агентства (например, агентства, которые продают информацию об историях выписки чеков, медицинских записях и записях об истории аренды). Узнайте больше о ваших основных правах в соответствии с FCRA .


    Рейтинг FICO (FICO score)

    Рейтинг FICO® — это особый вид кредитного рейтинга.

    Подробнее (на английском языке)


    Предупреждение о мошенничестве (Fraud alert)

    Предупреждение о мошенничестве требует, чтобы кредиторы, проверяющие ваш кредитный отчет, предприняли шаги для подтверждения вашей личности перед открытием нового счета, выпуском дополнительной карты или увеличением кредитного лимита существующего счета на основании запроса потребителя. Когда вы размещаете предупреждение о мошенничестве в своем кредитном отчете в одной из общенациональных кредитных компаний, она должна уведомить другие компании. Существует два основных типа предупреждений о мошенничестве: начальные предупреждения о мошенничестве и расширенные предупреждения.



    Бесплатный кредитный отчет (Free credit report)

    Каждый год вы имеете право затребовать по одному бесплатному экземпляру своего кредитного отчета у каждого из трех крупнейших агентств по сбору информации о кредитоспособности потребителей (Equifax, Experian и TransUnion), посетив сайт AnnualCreditReport.com . При посещении сайта AnnualCreditReport.com вы можете увидеть инструкции по бесплатному просмотру вашего актуализированного кредитного отчета онлайн. После получения ежегодного бесплатного кредитного отчета вы также можете заказывать дополнительные отчеты. По закону агентство по сбору информации о кредитоспособности потребителей не может взимать за кредитный отчет более 14,50 долларов.

    Читать подробнее (на английском языке)



    Мониторинг личных данных или защита от хищения личных данных (Identity monitoring or identity theft proection)

    Службы защиты от хищения личных данных отслеживают данные, идентифицирующие личность, в кредитных заявках, общедоступных записях, веб-сайтах и других местах на предмет любых необычных действий, которые могут быть признаками хищения личных данных.

    Подробнее (на английском языке)



    Кража личных данных (Identity theft)

    Кража личных данных происходит, когда кто-то крадет ваши личные данные для совершения мошенничества. Кража ваших личных данных может означать использование личной информации без вашего разрешения, например:

    • Ваше имя и фамилия
    • Номер социального обеспечения
    • Номер кредитной карты


    Предупреждение для лиц на действительной военной службе (Military active duty alert)

    Военнослужащие (например, военнослужащие морской пехоты, армии, флота, военно-воздушных сил и береговой охраны) могут запросить предупреждение для лиц на действительной военной службе. Когда вы размещаете предупреждение для лиц на действительной военной службе в своем кредитном отчете, кредиторы должны предпринять разумные шаги, чтобы убедиться, что лицо, делающее запрос, действительно является вами, прежде чем открывать счет, выпускать дополнительную кредитную карту для существующего счета или увеличивать кредитный лимит на вашем счете. Предупреждения для лиц на действительной военной службе действуют в течение 12 месяцев. Ваше имя также будет в течение двух лет удалено из общенациональных списков компаний, предоставляющих кредитные отчеты для предварительной проверки маркетинговых предложений по кредитам и страхованию.


    Уплаченный просроченный долг (Paid collection)

    Уплаченный просроченный долг — это счет, который подлежал взысканию, потому что был просрочен, а затем был оплачен.

    Подробнее (на английском языке)


    Замораживание кредита (Security freeze)

    «Замораживание кредита» в вашем кредитном отчете не позволяет новым кредиторам получить доступ к вашей кредитной истории, а другим лицам — открывать счета на ваше имя до тех пор, пока вы не снимете замораживание. Поскольку большинство бизнесов не откроют кредитные счета без проверки вашего кредитного отчета, замораживание может помешать похитителям личных данных открыть новые счета на ваше имя.


    Компания по предоставлению информации о кредитоспособности потребителей (Specialty consumer reporting company)

    Компании, предоставляющие информации о кредитоспособности потребителей, собирают и обмениваются информацией о вашей истории трудоустройства, истории транзакций с бизнесом или истории погашения кредита за конкретный продукт или услугу.


    Отчет о проверке арендатора (Tenant screening report)

    Отчет, используемый арендодателями для принятия решений о возможных арендаторах. Отчет о проверке арендатора может содержать информацию из многих источников, включая вашу историю аренды и кредитные отчеты.

    Подробнее (на английском языке)


    Неполноценное кредитное досье / Отсутствие кредитного досье (Thin credit file / No credit file)

    Неполноценное кредитное досье или отсутствие кредитного досье означает, что у человека нет кредитной истории или недостаточно текущей кредитной истории для получения кредитного рейтинга. Смотрите раздел: Кредитные невидимки

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    Кредитный консультант (Credit counselor)

    Кредитные консультанты могут помочь в следующих случаях:

    • Консультировать вас по управлению вашими деньгами и долгами
    • Помочь составить бюджет
    • Обычно предлагают бесплатные учебные материалы и семинары
    • Как правило, кредитные консультанты сертифицированы и обучены в области потребительского кредита, управления денежными средствами и долгом, а также составления бюджета. Консультанты обсудят с вами всю вашу финансовую ситуацию и помогут разработать индивидуальный план решения ваших денежных проблем.

    Правило взыскания задолженности (Debt Collection Rule)

    Бюро по защите прав потребителей финансовых услуг (CFPB) издало «правила», вступившие в силу 30 ноября 2021 года, которые разъясняют и толкуют федеральный Закон о добросовестной практике взыскания задолженности (FDCPA).

    Подробнее (на английском языке)

    Коллектор задолженности (Debt collector)

    В соответствии с федеральным Законом о добросовестной практике взыскания задолженности взысканием задолженности обычно занимается физическое лицо или компания, которые регулярно осуществляют взыскание задолженностей, причитающиеся другим, обычно когда эти долги просрочены.

    К коллекторам задолженности относятся агентства по взысканию задолженности или юристы, которые осуществляют взыскание задолженностей как часть своего бизнеса. Существуют также компании, которые покупают просроченные задолженности у кредиторов или других бизнесов, а затем пытаются их взыскать. Эти коллекторы задолженностей также называются агентствами по взысканию задолженностей, компаниями по взысканию задолженностей или покупателями задолженностей.


    Услуги по урегулированию (выплате) задолженности (Debt settlement (relief) services)

    Компании по урегулированию задолженности — это компании, которые заявляют, что могут пересмотреть, урегулировать или каким-либо образом изменить условия задолженности человека перед кредитором или коллектором задолженности. Работа с компаниями по урегулированию задолженности может быть рискованной. Читать подробнее

    Закон о добросовестной практике взыскания задолженности (Fair Debt Collection Practices Act - FDCPA)

    Закон о добросовестной практике взыскания задолженности (FDCPA) является основным федеральным законом, регулирующим практику взыскания задолженности. FDCPA запрещает компаниям по взысканию задолженности использовать оскорбительные, несправедливые или вводящие в заблуждение методы для взыскания ваших задолженностей. Ознакомьтесь с подробной информацией о ваших правах в соответствии с законом FDCPA.

    Наложение ареста на имущество должника у третьего лица (Garnishment)

    Удержание задолженности из заработной платы или с банковского счета происходит, когда кредитор забирает часть вашей зарплаты или денег с вашего банковского счета для взыскания задолженности. Наложение ареста на имущество должника у третьего лица обычно требует судебного приказа на основании судебного решения. Однако некоторые долги государству также могут привести к наложению ареста на имущество должника у третьего лица, даже без судебного решения.

    Законы штата и федеральные законы имеют ограничения или «исключения», в отношении сумм, которые берутся с банковского счета и заработной платы, обычно для того, чтобы убедиться, что у вас остались средства на жизнь. Также нарушением Закона о добросовестной практике взыскания задолженности (FDCPA) является угроза со стороны коллектора, что на вашу заработную плату будет наложен арест, если ваша заработная плата не может быть арестована на законных основаниях.

    Преследование со стороны коллектора задолженности (Harassment by a debt collector)

    В Законе о добросовестной практике взыскания задолженности (FDCPA) говорится, что коллекторы задолженности не могут преследовать, притеснять или оскорблять вас или кого-либо еще, с кем они контактируют.

    Притеснения со стороны коллекторов задолженности могут принимать разные формы. Примеры включают повторяющиеся телефонные звонки, которые предназначены для того, чтобы раздражать, оскорблять или беспокоить вас или любого человека, отвечающего на звонок; нецензурная брань или ненормативная лексика; угрозы насилием или причинением вреда; публикация списков людей, которые отказываются платить по своим задолженностям (это не включает предоставление информации в кредитную компанию); и звонят без указания того, кто они такие.


    Судебное решение (Judgment)

    Судебное решение является официальным результатом судебного разбирательства. В исках о взыскании задолженности судья может вынести решение против вас в пользу кредитора или коллектора задолженности. Если вы не ответите на юридическое заявление о возбуждении дела, вы потеряете возможность защитить себя и можете обнаружить, что против вас вынесено судебное решение.

    Если кто-то подает на вас в суд или если кто-то получил судебное решение против вас, и вы не знаете, что делать, проконсультируйтесь с адвокатом. Некоторые адвокаты могут предлагать бесплатные услуги или взимать сниженную плату. В вашем районе также могут быть бюро юридической помощи или юридические клиники , которые будут предлагать свои услуги бесплатно, если вы соответствуете определенным критериям. Военнослужащие должны проконсультироваться в своем местном офисе военно-юридической службы JAG .


    Сообщение с ограниченным содержанием (Limited-Content Message)

    В соответствии с Правилом взыскания задолженностей (Debt Collection Rule) это сообщение голосовой почты для потребителя, которое должно содержать определенную необходимую информацию и может содержать другой необязательный контент.

    Подробнее (на английском языке)

    Первоначальный кредитор (Original creditor)

    В общем случае, первоначальным кредитором является компания, которая предоставила вам ссуду или кредит. Первоначальный кредитор может попытаться взыскать просроченный кредитный счет самостоятельно или нанять коллектора задолженности. Первоначальный кредитор также может продать ваш кредитный счет коллектору задолженности. Коллектор задолженности — это, как правило, третье лицо, с которым был заключен контракт специально для взыскания задолженности вашего счета, или кто-то, кто приобрел его у первоначального кредитора или другого коллектора задолженности или покупателя задолженности.

    Срок исковой давности (Statute of limitations)

    Срок исковой давности — это ограниченный период времени, в течение которого кредиторы или коллекторы задолженности должны подать иск в суд для взыскания задолженности. Большинство сроков исковой давности составляют от трех до шести лет, хотя в некоторых юрисдикциях они могут быть дольше. Сроки исковой давности могут различаться в зависимости от законов штата, типа вашей задолженности или закона штата, указанного в вашем кредитном соглашении.

    Уведомление о валидации (Validation Notice)

    Коллектор задолженности обязан предоставить определенную информацию при первом общении с потребителем или вскоре после этого. Когда коллектор задолженности предоставляет эту необходимую информацию в электронном или письменном виде, это называется уведомлением о валидации.

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    Финансовая эксплуатация пожилых людей (Elder financial exploitation)

    Финансовая эксплуатация пожилых людей — это незаконное или ненадлежащее использование средств, имущества или активов пожилых людей. Это наиболее распространенная форма жестокого обращения с пожилыми людьми, но сообщается лишь о небольшой части таких случаев.

    Преступниками могут быть незнакомцы, завоевавшие доверие пожилых людей, но это также могут быть члены семьи или друзья. Важно знать настораживающие признаки.

    Подробнее (на английском языке).

    Мошенническое предложение помощи при потере права выкупа (Foreclosure relief scam)

    Мошенническое предложение помощи при потере права выкупа и модификации ипотечного кредита — это схемы, направленные на то, чтобы забрать ваши деньги или ваш дом, часто путем ложного обещания спасти вас от потери права выкупа. Эти мошенники могут попросить деньги заранее и гарантировать, что вы можете изменить условия ипотеки. Если у вас возникли проблемы с выплатой ипотечного кредита, консультационное агентство, одобренное Министерством жилищного строительства и городского развития США (HUD), может бесплатно помочь вам с выбором вариантов.

    Предупреждение о мошенничестве для его предотвращения (Fraud alert for prevention)

    Предупреждение о мошенничестве — это то, что вы можете использовать, чтобы уменьшить вероятность того, что вы станете жертвой хищения личных данных для создания нового счета. Предупреждение о мошенничестве требует, чтобы кредиторы, проверяющие ваш кредитный отчет, предприняли шаги для подтверждения вашей личности перед открытием нового счета, выпуском дополнительной карты или увеличением кредитного лимита существующего счета. Когда вы размещаете предупреждение о мошенничестве в своем кредитном отчете в одной из общенациональных кредитных компаний, эта компания должна уведомить другие.

    Существует два основных типа предупреждений о мошенничестве: начальные предупреждения о мошенничестве и расширенные предупреждения. Военнослужащим доступна дополнительная опция — предупреждение для лиц на действительной военной службе, которое обеспечивают защиту военнослужащих, пока они находятся на действительной службе.

    Подробнее (на английском языке).


    Мошенничество со стороны фидуциариев (Fraud by fiduciaries)

    Фидуциарий — это лицо, которое управляет деньгами или имуществом кого-то другого. Например, агенты, действующие по доверенности, и назначенные судом опекуны являются фидуциариями.

    Когда вас назначают фидуциарием, по закону вы обязаны управлять деньгами и имуществом человека в его или ее интересах, а не в ваших интересах. Когда фидуциарий тратит деньги в своих интересах, это может являться мошенничеством.

    Хищение личных данных (Identity theft)

    Хищение личных данных происходит, когда кто-то крадет ваши личные данные для совершения мошенничества.

    Кража ваших личных данных может означать использование личной информации без вашего разрешения, такой как ваше имя и фамилия, номер социального обеспечения, информация о банковском счете или номер кредитной карты. Федеральная торговая комиссия (Federal Trade Commission) предлагает информацию о предотвращении хищения личных данных и реагировании на нее.

    Мошенничество самозванцев (Imposter scams)

    Мошенники-самозванцы пытаются убедить вас отправить деньги, выдавая себя за человека, которого вы знаете или которому доверяете, например, за шерифа, сотрудника местного, штатного или федерального правительства или благотворительной организации. Помните, что идентификатор вызывающего абонента может быть поддельным. Вы всегда можете позвонить в организацию или государственное учреждение и спросить, работает ли у них этот человек, прежде чем давать какие-либо деньги.

    Мошенничество с использованием почты (Mail fraud)

    Письма при мошенничестве с использованием почты выглядят настоящими, но содержащиеся в них обещания являются ложными. Типичный настораживающий признак — это письмо с просьбой отправить деньги или личную информацию сейчас, чтобы получить что-то ценное после того, как вы отправите деньги или информацию.


    Фишинг (Phishing)

    При фишинге мошенник выдает себя за компанию или человека, чтобы обманом заставить вас сообщить свои личные данные, например пароли, номера кредитных карт или информацию о банковских счетах. Мошенник может использовать фальсифицированные электронные письма, текстовые сообщения или веб-сайты, чтобы украсть у вас эту информацию. Эти электронные письма могут выглядеть подлинными.


    «Замораживание кредита» для предотвращения мошенничества (Security freeze for prevention)

    «Замораживание кредита» не позволяет новым кредиторам получить доступ к вашему кредитному досье, а другим лицам не позволяет открывать на ваше имя счета, требующие проверки кредитоспособности, до тех пор, пока вы не отмените замораживание.

    Поскольку большинство бизнесов не откроют кредитные счета без проверки вашего кредитного отчета, замораживание может помешать похитителям личных данных открыть новые счета на ваше имя. Имейте в виду, что замораживание кредита не помешает похитителям личных данных завладеть существующими счетами.

    Подробнее (на английском языке).



    Спуфинг (Spoofing)

    Спуфинг происходит, когда вызывающий абонент маскирует информацию, отображаемую в вашем идентификаторе вызывающего абонента. Это дает звонящему возможность замаскировать или «подделать» имя и/или номер телефона, чтобы это выглядело так, как будто он звонит как определенный человек из определенного места.



    Мошенничество с электронными или денежными переводами (Wire or money transfer fraud)

    Некоторые мошенники обманом заставляют вас пересылать или переводить деньги, чтобы их у вас украсть. Одним из распространенных примеров мошенничества с электронными переводами денег является «мошенничество с бабушкой и дедушкой». Это происходит, когда мошенник, выдающий себя за внука или друга внука, звонит и говорит, что находится в чужой стране или в какой-то опасной ситуации, и ему нужно немедленно перевести или отправить деньги.

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    Как избежать лишения права выкупа

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    Самое важное, что вы можете сделать, когда у вас возникают проблемы с выплатой ипотечного кредита, — это взять ситуацию под контроль. В большинстве случаев худшее из того, что вы можете сделать, это ничего не делать. Взять ситуацию под контроль означает предпринять четыре шага:

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    1. Позвоните о помощи или отвечайте на звонки с предложением помощи

    Взять ситуацию под свой контроль, отвечая на звонки вашего сервисного агента по ипотеке. Еще лучше позвонить своему сервисному агенту по ипотеке, как только вы узнаете, что не можете внести свой ежемесячный платеж. Номер телефона указан в ежемесячном счете. Сообщите своему сервисному агенту, почему вы не можете внести свой ежемесячный платеж, и попросите его помочь избежать лишения права выкупа.

    2. Обратитесь за бесплатной помощью к специалисту

    Ваш сервисный агент может помочь, если у вас возникнут проблемы с платежами по кредиту. Если вы не можете получить то, что вам нужно, от сервисного агента, обратитесь за помощью к специалисту в консультационные агентства по жилищным вопросам рядом с вами. Консультанты могут разработать индивидуальный план действий и помочь вам работать с вашей ипотечной компанией. Посетите веб-сайт consumerfinance.gov/mortgagehelp (читать на английском) или позвоните по телефону (800)-569-4287 и введите свой почтовый индекс, чтобы найти консультанта по жилищным вопросам, одобренного HUD (Министерством жилищного строительства и городского развития США).

    3. Разоблачайте мошенников

    Мошенники пытаются использовать в своих интересах домовладельцев, попавших в беду, беря с них большие деньги — даже тысячи долларов — за ложные обещания помощи. Вы не должны платить никому за то, чтобы помочь вам избежать лишения права выкупа. Помощь, в которой вы нуждаетесь, может быть предоставлена бесплатно вашим сервисным агентом или консультационным агентством по вопросам жилья, одобренным HUD.

    4. Подайте заявление на помощь

    Ваш сервисный агент кредита должен связаться с вами, предоставить вам точную информацию и сообщить вам о вариантах уменьшения убытков, на которые вы можете иметь право. Уменьшение убытков относится к способам, с помощью которых ваш сервисный агент может работать с вами, чтобы избежать лишения права выкупа. Если вы отправите заполненное заявление своему сервисному агенту ипотеки достаточно рано, ваш сервисный агент ипотеки должен будет сообщить вам о вариантах, которые у вас есть, чтобы сохранить свой дом или, если это более целесообразно, покинуть свой дом.

    Жилищные консультанты имеют большой опыт оказания помощи людям для предотвращения лишения права выкупа. Они могут помочь вам со сложными шагами, чтобы понять ваши варианты и обратиться за помощью.

    Ваш сервисный агент по ипотеке не может направить первое уведомление или подать заявление о лишении права выкупа,пока вы не задержите свои платежи более чем на 120 дней. Кроме того, когда вы подаете полное заявление на получение ипотечной помощи достаточно рано, сервисный агент по ипотеке не может начать процесс лишения права выкупа, пока вас оценивают или если вы выполняете требования по модификации кредита. Поэтому делайте это без промедления. Чем раньше вы заполните заявление, тем больше защиты вы получите.

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    Как распознать мошенничество, связанное с лишением права выкупа

    Мошенники в области лишения права выкупа могут обещать вам спасти ваш дом от лишения права выкупа, хотя на самом деле они просто забирают ваши деньги.

    Обратите внимание на следующие настораживающие признаки мошенничества:

    • Вас просят предварительно заплатить за помощь.
    • Компания гарантирует, что условия вашей ипотеки будут изменены.
    • Компания гарантирует, что вы не потеряете свой дом.
    • Вас просят передать право собственности на ваш дом или подписать другие документы, содержание которых вы не понимаете.
    • Вам предлагают отправить платеж кому-то другому, а не вашей ипотечной компании или сервисному агенту.
    • Компания предлагает выполнить «судебно-бухгалтерскую экспертизу».
    • Вам предлагают прекратить платежи по ипотеке.

    Компания утверждает, что она связана с правительством, или использует логотип, который выглядит как государственная печать, но с незначительными отличиями.

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    Подайте жалобу на финансовый продукт или услугу

    Каждую неделю мы отправляем компаниям для ответа более 10 000 жалоб на финансовые продукты и услуги. Если другое агентство сможет оказать более эффективную помощь, мы отправим вашу заявку им и сообщим вам. Большинство компаний отвечают в течение 15 дней.

    • Онлайн (Читать на английском)
    • Или позвоните по телефону (855) 411-2372 для получения помощи на английском, и 180 других языках. Время ожидания ответа обычно составляет менее 1 минуты. Ваша жалоба будет переведена на английский язык и отправлена компании для ответа. Когда компания отвечает, она обычно делает это на английском языке, но вы можете позвонить нам, чтобы услышать перевод ответа.
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    Как можно восстановить свой кредитный рейтинг

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    Если вы столкнулись с финансовыми проблемами - ваша кредитная история может пострадать от этого. Восстановление ее займет определенное время. Для достижения этой цели нет никаких кратких или секретных путей.

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    Нижеуказанные действия могут помочь вам в этом вопросе

    1. Всегда вовремя оплачивайте свои счета

    "Вовремя" обозначает то, что оплата должна дойти до компании до той даты, когда счет должен быть оплачен. Если вы предоставляете оплату по почте - отправьте ее почтой за несколько дней до даты оплаты.

    2. Не приближайтесь к максимальной сумме своего кредитного лимита

    Кредитные рейтинги учитывают то, насколько близко вы приближаетесь к максимальной сумме, которую вы можете истратить по кредитным карточкам. Если вы используете слишком большую часть своего кредитного лимита - это может отрицательно сказаться на вашем кредитном рейтинге. Некоторые эксперты советуют использовать не более 30 процентов от общей суммы кредитного лимита. Другие эксперты говорят, что необходимо использовать не более 10 процентов.

    3. Не подавайте слишком много заявлений по получение кредитов в течение короткого отрезка времени

    Ваш кредитный рейтинг может стать ниже в том случае, если в течение короткого отрезка времени вы подадите много заявлений или откроете много новых счетов. В число таких действий входит получение новой карточки, чтобы можно было перечислить туда балансы долгов, или открытие новой магазинной карточки, чтобы получить скидку.

    4. Если вы не соответствуете требованиям на получение обычной кредитной карточки - попробуйте использовать карточку с обеспечением

    Многие банки и кредитные союзы предлагают кредитные карточки с обеспечением. В большинстве случаев ваша кредитная линия по таким карточкам начнется с небольшой суммы. Вам нужно будет внести на свой счет в качестве депозита сумму, равную вашему лимиту кредитования.

    Со временем, когда вы продемонстрируете свою способность вовремя вносить оплату, ваш лимит кредитования может быть увеличен и, возможно, вам возвратят депозит. Оплата за обслуживание и процентная ставка для карточек с обеспечением могут быть высокими, однако использование таких карточек может помочь вам создать свою кредитную историю.

    5. Если вы используете кредитную карточку для оплаты за товары или услуги - каждый месяц оплачивайте свой баланс по такой карточке

    Кредитный рейтинг можно повысить при помощи кредитной карточки, если каждый раз вовремя оплачивать ее. Чтобы не платить издержки за финансирование - каждый месяц полностью оплачивайте свой баланс. Если вы будете каждый месяц полностью оплачивать свой баланс, вы также сможете улучшить свой кредитный рейтинг быстрее, чем при переносе баланса на следующий месяц потому, что так вам будет легче избегать приближения к своему лимиту кредитования.

    6. Продолжайте действовать в том же духе

    Кредитный рейтинг зависит от вашего общего поведения в отношении оплаты своих счетов, т.е. с течением времени. Чем дольше у вас существует кредит и вы вовремя оплачиваете его - тем больше существует информации, которая подтверждает вашу хорошую кредитоспособность.

    7. Проверяйте свои кредитные отчеты и сразу же исправляйте ошибки

    В вашем кредитном отчете показывается ваше поведение в отношении кредитов и заимствования.

    Один раз в 12 месяцев на сайте annualcreditreport.com вы имеете право бесплатно получить отпечатанную копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй. Equifax дополнительно предлагает шесть бесплатных кредитных отчетов каждые 12 месяцев до 31 декабря 2026 года. При посещении сайта возможно вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в своем рейтинге кредитоспособности.

    Вы также, возможно, обнаружите неправильную информацию, которая негативно влияет на ваш рейтинг. Если такая информация будет обнаружена - подайте заявление на обжалование ее в бюро кредитных историй и в компанию, которая была источником такой информации.

    Сколько времени обычно сохраняется негативная информация в кредитном отчете?

    Опоздание с оплатой: 7 лет

    Банкротство на основании главы 13: 7 лет

    Банкротство на основании главы 7: 10 лет

    Переход заложенного имущества в собственность залогодержателя: 7 лет

    Судебные процедуры и судебные решения: 7 лет или дольше

    В целом, негативная информация, которая была предоставлена недавно, оказывает большее влияние на ваш кредитный рейтинг, чем более старая информация.

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    Нижеуказанные действия не помогают вам восстанавливать свой кредитный рейтинг

    1. Использование дебетовой карточки или оплата наличными. Такие операции не помогают вам доказывать то, что вы можете погашать свою задолженность.
    2. Использование предоплаченных карточек. Предоплаченная карточка-это ваши собственные деньги, которые были заранее помещены на такую карточку.
    3. Получение ссуды под залог будущей зарплаты. Даже своевременное выполнение оплат может не оказаться полезным для улучшения вашего кредитного рейтинга.
    4. Получение кредита на покупку автомобиля у такого дилера, где оплату за кредит необходимо предоставлять самому дилеру за исключением тех случаев, когда дилер в письменном виде обещает сообщать о ваших своевременных платежах.
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    Основные термины ипотеки

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    Ипотека с регулируемой процентной ставкой 5/1 (5/1 Adjustable Rate Mortgage)

    Ипотека с регулируемой процентной ставкой 5/1 (ARM) или 5-летняя ARM — это ипотечный кредит, где «5» — это количество лет, в течение которых ваша первоначальная процентная ставка будет оставаться фиксированной. «1» показывает, как часто ваша процентная ставка будет корректироваться после окончания первоначального пятилетнего периода. Наиболее распространенными фиксированными периодами являются 3, 5, 7 и 10 лет, а «1» — наиболее распространенный период регулирования ставки. Важно внимательно прочитать контракт и задать вопросы, если вы рассматриваете возможность использования ARM.

    Узнайте больше об изменении регулируемых процентных ставок.



    Правило платежеспособности (Ability-to-repay rule)

    Правило платежеспособности — это разумное и добросовестное определение, которое большинство ипотечных кредиторов должны сделать о том, способны ли вы погасить кредит.

    Подробнее (на английском языке)


    Ипотека с регулируемой процентной ставкой (Adjustable Rate Mortgage - ARM)

    Ипотека с регулируемой процентной ставкой (ARM) — это тип кредита, процентная ставка по которому может меняться, обычно в зависимости от индексной процентной ставки. Ваш ежемесячный платеж будет увеличиваться или уменьшаться в зависимости от первоначального периода кредита, верхних пределов процентных ставок и индексной процентной ставки. При ARM процентная ставка и ежемесячный платеж могут начаться ниже, чем для ипотеки с фиксированной процентной ставкой, но как процентная ставка, так и ежемесячный платеж могут существенно возрасти.

    Узнайте больше о том, как работают ARM и что следует учитывать.



    Амортизация (Amortization)

    Амортизация означает погашение кредита регулярными платежами с течением времени, так что сумма, которую вы должны, уменьшается с каждым платежом. Большинство кредитов на покупку жилья амортизируются, но некоторые ипотечные кредиты амортизируются не полностью, а это означает, что вы все равно должны деньги после внесения всех платежей.

    Некоторые кредиты на покупку жилья допускают платежи, которые покрывают только сумму причитающихся процентов или сумму меньше, чем причитающиеся проценты. Если платежи меньше суммы процентов, причитающихся каждый месяц, остаток по ипотеке будет расти, а не уменьшаться. Это называется отрицательной амортизацией. Другие кредитные программы, которые не полностью амортизируются в течение срока кредита, могут потребовать большой единовременной выплаты в конце срока кредита. Убедитесь, что вы знаете, какой тип кредита вы берете.

    Дополнительная информация о процессе покупки дома.



    Сумма финансирования (Amount financed)

    Это означает сумму денег, которую вы занимаете у кредитора, за вычетом большей части авансовых платежей, которые кредитор взимает с вас.

    Подробнее (на английском языке)


    Годовой доход (Annual income)

    Годовой доход является одним из факторов при подаче заявки на ипотечный кредит и обычно означает ваш общий заработанный доход за год до вычета налогов. Годовой доход может включать доход от работы на полный или неполный рабочий день, самозанятость, чаевые, комиссионные, сверхурочные, бонусы или другие источники. Кредитор будет использовать информацию о вашем годовом доходе и ваших существующих ежемесячных задолженностях, чтобы определить, есть ли у вас возможность погасить кредит.

    Будет ли кредитор полагаться на конкретный источник дохода или размер дохода при рассмотрении вашей кандидатуры на получение кредита, часто зависит от того, можете ли вы обоснованно ожидать, что доход будет продолжаться.

    Узнайте больше о том, почему ваша платежеспособность важна для кредиторов.



    Годовая процентная ставка (Annual Percentage Rate - APR)

    Годовая процентная ставка (APR) является более широкой мерой стоимости заимствования денег, чем процентная ставка. Годовая процентная ставка отражает процентную ставку, любые дополнительные комиссионные сборы по ипотечному кредиту, сборы ипотечного брокера и другие сборы, которые вы платите, чтобы получить кредит. По этой причине ваша APR обычно выше, чем ваша процентная ставка.

    Узнайте, как сравнивать APR



    Плата за оценку стоимости недвижимости (Appraisal fee)

    Плата за оценку стоимости недвижимости — это расходы на оценку дома, который вы планируете купить или которым уже владеете. Оценка стоимости дома обеспечивает независимую оценку стоимости имущества. В большинстве случаев выбор оценщика и любые связанные с этим расходы зависят от вашего кредитора.

    Дополнительная информация о процессе покупки дома.



    Автоматическое дебетование (Automatic payment)

    Автоматические платежи позволяют установить повторяющиеся платежи по ипотеке через ваш банк. Автоматические платежи могут быть удобным способом обеспечить своевременные платежи.



    Шаровой ипотечный кредит (Balloon loan)

    Для ипотечных кредитов шаровой ипотечный кредит означает больше, чем обычно кредит, единовременный платеж, как правило, в конце срока кредита. Этот единовременный платеж называется «шаровым платежом», и он больше, чем другие ваши платежи, а иногда и намного больше. Если вы не можете заплатить сумму шарового платежа, вам, возможно, придется провести рефинансирование, продать свой дом или столкнуться с потерей права выкупа.

    Узнайте, почему шаровые кредиты могут быть рискованными.


    Двухнедельный платеж (Bi-weekly payment)

    При плане двухнедельных платежей сервисный агент ипотеки собирает половину вашего ежемесячного платежа каждые две недели, что приводит к 26 платежам в течение года (в целом один дополнительный месячный платеж в год). Внося дополнительные платежи и относя платежи к основной сумме кредита, вы можете погасить кредит досрочно. Прежде чем выбрать двухнедельный платеж, обязательно ознакомьтесь с условиями кредита, чтобы узнать, не будет ли в таком случае применяться штраф за досрочное погашение кредита. Проверьте, не взимает ли ваш сервисный агент какие-либо сборы за план двухнедельных платежей. Вы можете достичь той же цели без уплаты сборов, внося дополнительный ежемесячный платеж по ипотеке каждый год.



    Раскрытие информации о закрытии сделки (Closing Disclosure)

    Раскрытие информации о закрытии сделки — это обязательная пятистраничная форма, в которой содержится окончательная подробная информация о выбранном вами ипотечном кредите. Эта форма включает в себя условия кредита, ваши прогнозируемые ежемесячные платежи, а также сумму, которую вы будете платить в виде сборов и других расходов, чтобы получить ипотечный кредит.

    Узнайте, как дополнительно проверить правильность всех сведений о вашем кредите в раскрытии информации о закрытии сделки.



    Кредит на строительство (Construction loan)

    Кредит на строительство обычно представляет собой краткосрочный кредит, который предоставляет средства для покрытия расходов на строительство или восстановление дома.

    Подробнее (на английском языке)



    Стандартный кредит (Conventional loan)

    Стандартный кредит — это любой ипотечный кредит, который не застрахован и не гарантирован государством (например, в рамках кредитных программ Федерального управления жилищного строительства (Federal Housing Administration), Администрации по делам ветеранов (Department of Veterans Affairs) или Департамента сельского хозяйства (Department of Agriculture)).

    Узнайте больше о стандартных кредитах и других типах кредитов.


    Со-поручитель или со-заемщикm (Co-signer or co-borrower)

    Со-поручитель или со-заемщик — это лицо, которое соглашается вместе с вами взять на себя полную ответственность по выплате ипотечного кредита. Этот человек обязан оплатить любые пропущенные платежи и даже полную сумму кредита, если вы не платите. В некоторых ипотечных программах со-поручителем считается лицо, не имеющее права собственности и не имеющее доли владения в заложенном доме. Наличие со-поручителя или со-заемщика по вашему ипотечному кредиту дает вашему кредитору дополнительную уверенность в том, что кредит будет погашен. Но кредитная история и финансы вашего со-поручителя или со-заемщика находятся под угрозой, если вы не погасите кредит.

    Дополнительная информация о процессе покупки дома.



    Кредитная история (Credit history)

    Кредитная история — это информация о ваших кредитных счетах и вашей истории своевременной оплаты, отраженная в вашем кредитном отчете. Компании, предоставляющие информации о кредитоспособности потребителей, также известные как компании кредитных историй, собирают и обновляют информацию о вашей кредитной истории и предоставляют ее другим компаниям, которые используют ее для принятия решений о вас. Кредитный отчет содержит информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов.

    Узнайте больше о проверке своей кредитной истории перед покупкой дома.



    Кредитный отчет (Credit report)

    Кредитный отчет — это выписка, содержащая информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов. Кредиторы используют ваш кредитный рейтинг и информацию в вашем кредитном отчете, чтобы определить, имеете ли вы право на получение кредита и какую процентную ставку вам предложить.

    Узнайте, как получить копию ваших кредитных отчетов.



    Кредитный рейтинг (Credit score)

    Кредитный рейтинг показывает, насколько велика вероятность того, что вы вовремя выплатите кредит. Компании используют математическую формулу, называемую рейтинговой моделью, для создания вашего кредитного рейтинга на основе информации в вашем кредитном отчете. Существуют разные рейтинговые модели, поэтому у вас нет только одного кредитного рейтинга. Ваш кредитный рейтинг зависит от вашей кредитной истории, типа кредитного продукта и даже дня, когда он был рассчитан.

    Узнайте где вы можете получить свой кредитный рейтинг.



    Коэффициент задолженности (Debt ratio)

    Ваше отношение задолженности к доходу — это все ваши ежемесячные платежи по задолженностям, разделенные на ваш валовой месячный доход. Это число является одним из способов, которым кредиторы измеряют вашу способность осуществлять ежемесячные платежи, чтобы выплатить деньги, которые вы планируете занять.

    Узнайте, как рассчитать отношение задолженности к доходу.



    Соглашение о передаче недвижимости во избежание процесса о потере права выкупа (Deed-in-lieu of foreclosure)

    Соглашение о передаче недвижимости во избежание процесса о потере права выкупа — это соглашение, при котором вы добровольно передаете право собственности на свой дом кредитору, чтобы избежать процесса о потере права выкупа. Соглашение о передаче недвижимости во избежание процесса о потере права выкупа может помочь вам избежать личной ответственности за любую оставшуюся сумму на ипотеке. Если вы живете в штате, в котором вы несете ответственность за любую недоимку, которая представляет собой разницу между стоимостью вашей недвижимости и суммой, которую вы все еще должны по ипотечному кредиту, вы можете попросить своего кредитора отказаться от недоимки. Если кредитор отказывается от недоимки, получите такой отказ в письменной форме и сохраните его для своих записей. Соглашение о передаче недвижимости во избежание процесса о потере права выкупа является одним из способов уменьшения потерь.



    Просроченный платеж (Delinquent)

    Просроченный платеж — это еще один термин, обозначающий задержку платежей. Ваш кредит может стать просроченным, если вы пропустите платеж или не сделаете полный платеж в установленный срок. После того, как вы просрочили платеж в течение определенного периода времени, кредитор или сервисный агент могут начать процесс потери права выкупа. Этот срок может варьироваться в зависимости от штата.

    Федеральные правила могут также применяться в отношении того, когда может начаться процесс потери права выкупа. Узнайте больше о возможных вариантах, если вы не можете выплатить ипотечный кредит.



    Положение о требовании досрочного погашения кредита (Demand feature)

    В раскрытие информации о закрытии сделки имеется заявление, которое гласит: «Ваш кредит имеет положение о требовании досрочного погашения кредита», которое отмечено как «да» или «нет». Положение о требовании досрочного погашения кредита позволяет кредитору требовать досрочное погашения кредита.

    Подробнее (на английском языке)  



    Первоначальный взнос (Down payment)

    Первоначальный взнос — это сумма, которую вы платите за дом авансом. Вы платите процент от стоимости дома, а остальную часть занимаете через ипотечный кредит. Как правило, чем больше первоначальный взнос, тем ниже процентная ставка, которую вы получите, и тем больше вероятность того, что вам утвердят кредит.

    Узнайте больше об определении первоначального взноса.



    Программы или гранты для первоначального взноса (Down payment programs or grants)

    Программа или грант для первоначального взноса обычно относится к помощи, предоставляемой такой организацией, как правительство или некоммерческое агентство, покупателю жилья, чтобы помочь ему с первоначальным взносом на покупку дома. Средства могут быть предоставлены в виде прямого гранта или могут требовать погашения, например, при продаже дома.

    Узнайте, где можно получить информацию о программах и грантах для первоначального взноса.  



    Задаток (Earnest money)

    Задаток — это депозит, который покупатель платит, чтобы продемонстрировать добросовестность подписанного контракта на покупку дома. Этот депозит удерживается продавцом или третьей стороной, такой как агент по недвижимости или компания по проверке права собственности на недвижимость. Если продажа дома завершена или «сделка закрыта», задаток может быть использован для расходов на закрытие сделки или первоначальный взнос. Если договор расторгнут по уважительной причине, задаток возвращается покупателю. Если покупатель действует недобросовестно, задаток может быть конфискован и выплачен продавцу.

    Дополнительная информация о процессе покупки дома.



    Собственный капитал домовладельца (Equity)

    Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость.

    Узнайте, что такое кредит под залог жилой недвижимости.



    Условное депонирование (Escrow)

    Счет условного депонирования создается вашим ипотечным кредитором для оплаты определенных расходов, связанных с недвижимостью, таких как налоги на недвижимость и страхование недвижимости. Часть вашего ежемесячного платежа поступает на этот счет. Если у вашей ипотеки нет счета условного депонирования, вы напрямую оплачиваете расходы, связанные с недвижимостью.

    Узнайте больше о том, как условное депонирование влияет на ваш ежемесячный платеж по ипотеке.



    Fannie Mae

    Федеральная национальная ипотечная ассоциация (Fannie Mae) покупает и гарантирует ипотечные кредиты у кредитных учреждений с целью повысить доступность кредитования. Fannie Mae не является федеральным агентством. Это спонсируемое государством предприятие, находящееся под управлением Федерального агентства жилищного финансирования (FHFA).

    Узнайте больше о стандартных кредитах.  



    Плата за финансирование FHA (FHA funding fee)

    Федеральное управление жилищного строительства (FHA) требует взимать плату за финансирование FHA и ежемесячный страховой взнос (MIP) для большинства своих программ для одной семьи. Этот авансовый взнос по ипотечному страхованию иногда называют авансовым взносом по ипотечному страхованию (UFMIP).

    Узнайте, подходит ли вам ипотека FHA.



    Кредит FHA (FHA loan)

    Кредиты FHA — это кредиты от частных кредиторов, которые регулируются и застрахованы Федеральным управлением жилищного строительства (FHA). Кредиты FHA отличаются от стандартных кредитов, потому что они допускают более низкий кредитный рейтинг и первоначальный взнос всего 3,5 процента от общей суммы кредита. Максимальная сумма кредита зависит от административного округа.

    Узнайте об этом и других вариантах ипотечного кредита.



    Лимиты ипотеки FHA (FHA mortgage limits)

    Лимиты ипотеки FHA — это лимиты суммы в долларах для соответствующих критериям ипотечных кредитов, которые FHA застрахует в рамках своей односемейной программы ипотечного кредитования. Эти лимиты зависят от местоположения и могут пересматриваться каждый год.

    Воспользуйтесь инструментом FHA для поиска кредитных лимитов на уровне административного округа .



    Стоимость всех элементов кредита (Finance charge)

    Стоимость всех элементов кредита — это общая сумма процентов и сборов по кредиту, которые вы будете платить в течение всего срока действия ипотечного кредита.

    Подробнее (на английском языке)



    Программы кредитования для лиц, впервые приобретающих недвижимость (First-time home buyers (FTHB) loan programs)

    Лица, впервые приобретающие недвижимость (FTHB), могут использовать различные типы кредитных программ для покупки своего первого дома. Популярные кредиты для FTHB включают программы, предлагаемые Федеральным управлением жилищного строительства (FHA), Администрацией по делам ветеранов (VA), Министерством сельского хозяйства США (USDA), Fannie Mae и Freddie Mac с низким первоначальным взносом. Некоторые программы определяют FTHB как человека, который не покупал дом в течение трех или более лет.

    Ознакомьтесь с вариантами кредита.



    Ипотека с фиксированной процентной ставкой (Fixed-rate mortgage)

    Ипотека с фиксированной процентной ставкой — это тип кредита на покупку жилья, для которого процентная ставка устанавливается при получении кредита и не меняется в течение срока кредита.

    Узнайте больше о том, как работает ипотека с фиксированной процентной ставкой и что следует учитывать.  



    Отказ от принудительного взыскания ипотечной кредитной задолженности (Forbearance)

    Отказ от принудительного взыскания ипотечной кредитной задолженности — это когда ваш сервисный агент позволяет вам временно платить по ипотечному кредиту по более низкой процентной ставке или временно приостановить выплату по ипотечному кредиту. Ваш сервисный агент может отказаться от принудительного взыскания ипотечной кредитной задолженности, если, например, вы недавно потеряли работу, пострадали от стихийного бедствия, болезни или травмы, которые увеличили ваши расходы на медицинское обслуживание. Отказ от принудительного взыскания ипотечной кредитной задолженности — это один из способов уменьшения потерь.

    Узнайте больше об отказе от принудительного взыскания ипотечной кредитной задолженности

    В зависимости от вида кредита возможны разные варианты отказа от принудительного взыскания ипотечной кредитной задолженности. Вы должны связаться с сервисным агентом кредита, чтобы запросить отказ от принудительного взыскания ипотечной кредитной задолженности. Помните, что вам придется компенсировать эти пропущенные или сокращенные платежи, когда ваш период отказа от принудительного взыскания ипотечной кредитной задолженности закончится.



    Принудительная страховка (Force-placed insurance)

    Ваш сервисный агент может потребовать принудительное страхование, если у вас нет собственного страхового полиса или если ваш собственный страховой полис не соответствует требованиям вашего сервисного агента. Принудительная страховка обычно защищает только кредитора, а не вас. Сервисный агент взимает с вас плату за такую страховку. Принудительная страховка обычно дороже, чем самостоятельно найденный страховой полис.



    Потеря права выкупа (Foreclosure)

    Потеря права выкупа – это ситуация, когда кредитор или сервисный агент забирает недвижимость после того, как домовладелец не в состоянии произвести платежи по ипотеке. В некоторых штатах кредитор должен обратиться в суд, чтобы лишить вас права выкупа недвижимости (судебный процесс потери права выкупа), но в других штатах судебный процесс не требуется (внесудебный процесс потери права выкупа). Как правило, заемщики должны быть уведомлены, если кредитор или сервисный агент начинает судебный процесс  потери права выкупа. Федеральные правила могут также применяться в отношении того, когда может начаться процесс  потери права выкупа.
    Если вас беспокоит потеря права выкупа, узнайте, как получить помощь.



    Freddie Mac

    Федеральная корпорация жилищного ипотечного кредита (Freddie Mac) является частной корпорацией, основанной Конгрессом. Ее миссия состоит в том, чтобы способствовать стабильности и доступности на рынке жилья путем приобретения ипотечных кредитов у банков и других кредиторов. В настоящее время эта корпорация находится под управлением Федерального агентства жилищного финансирования (FHFA).

    Узнайте больше о стандартных кредитах.



    Добросовестная оценка (Good Faith Estimate)

    Добросовестная оценка (GFE) — это форма, которую кредитор должен предоставить вам, когда вы подаете заявление на обратную ипотеку. GFE перечисляет основную информацию об условиях предлагаемого обратного ипотечного кредита.

    Узнайте, когда вы получите добросовестную оценку.  



    Государственные сборы за регистрацию (Government recording charges)

    Государственные сборы за регистрацию – это сборы, взимаемые штатными и местными правительствами за юридическую регистрацию вашего договора за печатью, ипотеки и документов, связанных с вашим кредитом на покупку жилья.

    Подробнее (на английском языке)



    Дорогой ипотечный кредит (Higher-priced mortgage loan)

    Как правило, дорогой ипотечный кредит — это кредит с годовой процентной ставкой, или APR, выше, чем базовая процентная ставка, называемая средней процентной ставкой базового предложения (Average Prime Offer Rate).

    Подробнее (на английском языке)

    Взносы в ассоциацию домовладельцев (HOA dues)

    Если вы заинтересованы в покупке кондоминиума, кооператива, помещения в жилом комплексе или другом организованном сообществе с общими услугами, вы обычно должны платить сборы за квартиру или взносы в ассоциацию домовладельцев (HOA). Эти сборы могут значительно различаться. Сборы за квартиру или взносы в HOA обычно оплачиваются отдельно от ежемесячного платежа по ипотеке. Если вы не заплатите эти сборы, вы можете столкнуться с попытками взыскания задолженности ассоциацией домовладельцев и даже с потерей права выкупа.

    Дополнительная информация о процессе покупки дома.



    Оценка стоимости дома (Home appraisal)

    Оценка стоимости дома – это письменный документ, содержащий информацию о стоимости недвижимости. Оценка стоимости дома дает вам полезную информацию о недвижимости. Она описывает, что делает дом ценным, и может показать, как он сравнивается с другими объектами недвижимости в данном жилом районе. Оценка стоимости дома является независимой оценкой стоимости недвижимости.

    Узнайте больше о том, почему оценки стоимости дома важны.



    Кредитная линия под залог жилой недвижимости (Home equity line of credit - HELOC)

    Кредитная линия под залог жилой недвижимости (HELOC) — это кредитная линия, которая позволяет вам брать кредит под залог собственного капитала домовладельца. Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость. В отличие от кредита под залог жилой недвижимости, HELOC обычно имеет регулируемые процентные ставки. Для большинства HELOC вы получите специальные чеки или кредитную карту, и вы сможете занимать деньги на определенное время с момента открытия своего счета. Этот период времени известен как «период взятия средств». В течение «периода взятия средств» вы можете занимать деньги, и вы должны вносить минимальные платежи. Когда «период взятия средств» закончится, вы больше не сможете занимать деньги со своей кредитной линии. После окончания «периода взятия средств» вам может потребоваться погасить весь баланс сразу или вам может быть разрешено погасить его в течение определенного периода времени. Если вы не можете погасить HELOC, кредитор может лишить вас права выкупа дома.



    Кредит под залог жилой недвижимости (Home equity loan)

    Кредит под залог жилой недвижимости (иногда называемый HEL) позволяет вам занимать деньги, используя в качестве залога стоимость вашей жилой недвижимости. Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость. Вы получаете деньги за счет кредита под залог жилой недвижимости в виде единоразового платежа. Кредит под залог жилой недвижимости обычно имеет фиксированную процентную ставку, которая не будет изменяться. Если вы не можете погасить кредит HEL, кредитор может лишить вас права выкупа дома.



    Инспекция дома (Home inspection)

    Инспекция дома часто является частью процесса покупки дома. Как правило, вы имеете право нанять жилищного инспектора для осмотра недвижимости и выявления ее сильных и слабых сторон. Это часто бывает особенно полезно для проверки конструкционных и механических систем дома, включая отопление, вентиляцию, кондиционирование воздуха и электричество.

    Узнайте, как запланировать инспекцию.



    Ассоциация домовладельцев (Homeowners’ Association - HOA)

    Ассоциация домовладельцев (HOA) обычно создается для управления общими расходами, такими как озеленение и другие расходы на содержание жилищного комплекса или другого организованного местного сообщества. HOA кондоминиума берут на себя больше обязанностей, включая, например, обслуживание подъездных дорог, общих строительных конструкций и крыш.

    Получите дополнительную информацию о том, как HOA может отображаться в декларации об ипотеке.



    Страхование недвижимости (Homeowner's insurance)

    Страхование недвижимости покрывает убытки и ущерб вашей недвижимости, если произойдет какое-либо непредвиденное событие, например пожар или кража со взломом. Когда у вас есть ипотечный кредит, ваш кредитор захочет убедиться, что ваша недвижимость защищена страховкой. Поэтому кредиторы обычно требуют доказательств того, что у вас есть страховка недвижимости. Страховка недвижимости отличается от ипотечного страхования.

    Дополнительная информация о процессе покупки дома.



    Цена покупки дома (Home purchase price)

    Цена покупки дома – это сумма, согласованная покупателем и продавцом, которая должна быть выплачена продавцу за покупку дома.

    Узнайте больше о том, как найти подходящий дом.



    HUD

    Министерство жилищного строительства и городского развития США (HUD) — это государственное учреждение, которое помогает людям приобретать и сохранять качественное доступное жилье. Оно обучает и спонсирует консультантов по жилищным вопросам по всей стране. Одобренное HUD консультационное агентство по жилищным вопросам, может предоставить вам консультацию для покупателя жилья, чтобы помочь вам понять и оценить ваши варианты.

    Найдите одобренное HUD консультационное агентство по жилищным вопросам.



    Акт о взаиморасчетах HUD-1 (HUD-1 settlement statement)

    В Акте о взаиморасчетах HUD-1 перечислены все сборы и кредиты покупателю и продавцу при сделке с недвижимостью или все сборы при рефинансировании ипотеки. Вы получаете HUD-1, если подаете заявление на обратную ипотеку или если вы подали заявление на ипотеку 3 октября 2015 года или ранее.

    Узнайте, когда вы получите HUD-1.



    Индекс (Index)

    Индекс представляет собой базовую процентную ставку, отражающую общие рыночные условия. Индекс меняется в зависимости от состояния рынка. Изменения индекса, а также маржа вашего кредита определяют изменения процентной ставки по ипотечному кредиту с регулируемой процентной ставкой.

    Узнайте, как индекс влияет на процентную ставку по ипотечному кредиту с регулируемой процентной ставкой.



    Верхний предел изменения начальной процентной ставки (Initial adjustment cap)

    Верхний предел изменения начальной процентной ставки обычно связан с ипотечными кредитами с регулируемой процентной ставкой (ARM). Этот верхний предел определяет, насколько процентная ставка может увеличиться при первом изменении после истечения периода фиксированной процентной ставки. Обычно этот верхний предел составляет два или пять процентов, что означает, что при первом изменении процентной ставки новая процентная ставка не может быть более чем на два (или пять) процентных пункта выше начальной процентной ставки в течение периода фиксированной процентной ставки.

    Узнайте, как индекс влияет на ипотечные кредиты с регулируемой процентной ставкой.



    Первоначальный депозит на счет условного депонирования (Initial escrow deposit)

    Первоначальный депозит на счет условного депонирования — это сумма, которую вы заплатите при закрытии сделки, чтобы открыть свой счет условного депонирования, если этого потребует ваш кредитор.

    Подробнее (на английском языке)



    Кредит с выплатой только процентов (Interest-only loan)

    Ипотечный кредит с выплатой только процентов — это кредит с плановыми платежами, по которому вы должны выплачивать только проценты в течение определенного периода времени.

    Подробнее (на английском языке)



    Процентная ставка (Interest rate)

    Процентная ставка по ипотечному кредиту – это выраженная в процентах стоимость, которую вы будете платить каждый год за пользование деньгами. Она не отражает комиссий или любых других сборов, которые вам, возможно, придется заплатить за кредит. Например, если ипотечный кредит составляет 100 000 долларов при процентной ставке 4 процента, этот потребитель согласился платить 4000 долларов каждый год, когда он или она берет взаймы или должен всю эту сумму.

    Изучите процентные ставки в вашем регионе.



    Верхний предел процентной ставки (Interest rate cap)

    Верхний предел процентной ставки, иногда называемый годовым пределом, представляет собой максимальное увеличение процентной ставки, которое может происходить ежегодно для ипотеки с регулируемой процентной ставкой (ARM), даже если ставка увеличилась бы больше при рыночных процентных ставках. Например, если этот верхний предел процентной ставки составляет два процента, новая ставка не может превышать предыдущую более чем на два процентных пункта.

    Узнайте, как кредиторы используют индекс и маржу для регулировки вашей процентной ставки.



    Большой кредит (Jumbo loan)

    Каждый год Fannie Mae, Freddie Mac и их регулирующий орган, Федеральное агентство жилищного финансирования (FHFA), устанавливают максимальную сумму кредита, который они будут покупать у кредиторов.

    Подробнее (на английском языке)



    Страхование правового титула кредитора (Lenders title insurance)

    Страхование правового титула кредитора защищает вашего кредитора от проблем с правом собственности на вашу недвижимость, например, от судебного иска какого-либо лица в отношении дома. Страхование правового титула кредитора защищает только кредитора от проблем с правовым титулом. Чтобы защитить себя, вы можете приобрести страхование правового титула владельца.

    Подробнее (на английском языке)



    Верхний предел изменения процентной ставки в течение срока кредита (Lifetime adjustment cap)

    Верхний предел изменения процентной ставки в течение срока кредита обычно используется с ипотечными кредитами с регулируемой процентной ставкой (ARM). Этот верхний предел определяет, насколько может увеличиться процентная ставка в целом за весь срок кредита. Например, если этот верхний предел составляет пять процентов, это означает, что процентная ставка никогда не будет на пять процентных пунктов выше первоначальной процентной ставки. У некоторых кредиторов этот верхний предел может быть другим или более высоким.

    Узнайте, как индекс влияет на ипотечные кредиты с регулируемой процентной ставкой.



    Принятие на себя обязательств по ипотечному кредиту (Loan assumption)

    Принятие на себя обязательств по ипотечному кредиту происходит, когда покупатель жилья берет на себя обязательства по ипотеке продавца. Покупателю переходит остаток задолженности по ипотечному кредиту продавца на первоначальных условиях кредитования, например таких, как процентная ставка и оставшийся срок ипотеки. Принятие на себя обязательств по ипотечному кредиту имеет финансовый смысл в тех случаях, когда новые ипотечные кредиты предлагаются по более высоким процентным ставкам, чем при первоначальном получении ипотеки продавцом.

    Разница между ценой продажи дома и остатком по ипотечному кредиту продавца определяет сумму, которую покупатель должен будет выплатить, либо из своего кармана, либо взяв собственный ипотечный кредит.

    Чтобы принять на себя обязательства по ипотечному кредиту продавца, покупатель жилья должен соответствовать определенным критериям. Оценка соответствия обычно основывается на проверки кредитоспособности и доходов покупателя, как и в случае получения нового ипотечного кредита.

    Принятие на себя обязательств по ипотечному кредиту также может быть актуально, когда вы получаете право собственности на недвижимость с непогашенным ипотечным кредитом, например, после смерти бывшего владельца или развода.



    Отсрочка платежей по кредиту (Loan deferment)

    Как правило, заемщики, испытывающие трудности с выплатами по ипотечному кредиту, имеют право обратиться за помощью в финансовое учреждение, обслуживающее ипотеку. Финансовое учреждение, обслуживающее ипотеку, может согласиться на отсрочку платежей по кредиту, что позволяет заемщику избежать лишение права выкупа заложенного имущества за счет отсрочки просроченных платежей по ипотеке. Отсроченная сумма выплачивается, когда заемщик рефинансирует кредит или продаст дом, или ипотека будет прекращена каким-либо иным способом.



    Оценка кредита (Loan estimate)

    Оценка кредита — это трехстраничная форма, которую вы получаете после подачи заявления на ипотечный кредит.

    Подробнее (на английском языке)



    Изменение условий кредитования (Loan modification)

    Изменение условий ипотечного кредитования — это изменение условий вашего кредита. Изменение условий ипотечного кредитования является одним из способов уменьшения потерь. Изменение условий кредитования может уменьшить ваш ежемесячный платеж до суммы, которую вы можете себе позволить. Изменения условий кредитования могут включать увеличение количества лет, в течение которых вы должны погасить кредит, снижение процентной ставки и/или отсрочку или уменьшение остатка основной суммы кредита. Если вам предлагают изменение условий кредита, убедитесь, что вы знаете, как это изменит ваши ежемесячные платежи и общую сумму, которую вы будете должны в краткосрочной и долгосрочной перспективе.

    Подробнее об изменении условий ипотечного кредита



    Отношение кредита к стоимости (Loan-to-value ratio)

    Отношение кредита к стоимости (LTV) — это показатель, сравнивающий сумму вашего ипотечного кредита с оценочной стоимостью недвижимости. Чем больше ваш первоначальный взнос, тем меньше отношение LTV. Ипотечные кредиторы могут использовать LTV при принятии решения о том, предоставлять ли вам кредит, и определить, потребуется ли им частное ипотечное страхование.

    Узнайте как отношение вашего кредита к стоимости зависит от ваших затрат.



    Уменьшение потерь (Loss mitigation)

    Уменьшение потерь относится к шагам, которые ипотечные сервисные агенты предпринимают для работы с ипотечным заемщиком, чтобы избежать потери права выкупа. Уменьшение потерь относится к ответственности сервисного агента по уменьшению или «смягчению» убытков инвестора, которые могут возникнуть в результате потери права выкупа. Некоторые варианты уменьшения потерь могут помочь вам сохранить свой дом. Другие варианты могут помочь вам избавиться от своего дома без процесса о потере права выкупа. Варианты уменьшения потерь могут включать соглашение о передаче недвижимости во избежание процесса о потере права выкупа, отказ от принудительного взыскания ипотечной кредитной задолженности, план погашения задолженности, продажа недвижимости за цену, которая не покрывает задолженности по ипотеке или изменение условий кредитования.

    Если у вас возникли проблемы с выплатой ипотечных платежей, или если вам предложили и вы рассматриваете различные варианты уменьшения потерь, обратитесь в консультационное агентство по жилищным вопросам, одобренное Департаментом жилищного строительства и городского развития (HUD).

    Вы можете использовать инструмент Бюро по защите прав потребителей финансовых услуг (CFPB) «Find a Counselor» (Найти консультанта), чтобы получить список консультационных агентств по вопросам жилья в вашем районе, одобренных HUD. Вы также можете позвонить на горячую линию HOPE™, которая работает круглосуточно, без выходных, по телефону (888) 995-HOPE (4673).



    Маржа (Margin)

    Маржа — это количество процентных пунктов, добавляемых к индексу ипотечным кредитором для установления вашей процентной ставки по ипотеке с регулируемой ставкой (ARM) после окончания периода первоначальной ставки. Маржа устанавливается в вашем кредитном договоре и не изменяется после закрытия сделки. Размер маржи зависит от конкретного кредитора и кредита.

    Узнайте, как маржа влияет на ипотечные кредиты с регулируемой процентной ставкой.



    Ежемесячные расходы (Monthly expenses)

    Это сумма, которую вы тратите каждый месяц. Она может включать, помимо прочего, длящиеся обязательства, такие как оплата аренды или ипотеки, коммунальные услуги, оплата автомобиля, выплаты алиментов и страховые выплаты, а также предметы первой необходимости, такие как продукты питания. Большинство этих обязательств имеют фиксированную дату уплаты.

    Оцените свои ежемесячные расходы с помощью этого калькулятора расходов.



    Ипотека (Mortgage)

    Ипотека — это соглашение между вами и кредитором, которое позволяет вам занимать деньги для покупки или рефинансирования дома и дает кредитору право забрать вашу собственность, если вы не выплатите взятые взаймы деньги.

    Если вы готовы взять ипотечный кредит, узнайте больше о покупке дома.



    Контрольный список закрытия сделки по ипотеке (Mortgage closing checklist)

    Контрольный список закрытия сделки по ипотеке — это список шагов, которые вы можете использовать, чтобы подготовиться и узнать, чего ожидать. Это может помочь вам определить основные вопросы, которые нужно задать заранее, чтобы вы могли с уверенностью закрыть сделку.

    Используйте этот рабочий лист для подготовки к закрытию сделки.



    Расходы на закрытие сделки по ипотеке (Mortgage closing costs)

    Расходы на закрытие сделки по ипотеке — это все расходы, которые вы будете платить при закрытии сделки по ипотеке. Они включает в себя сборы за инициирование кредита, плату за оценку стоимости недвижимости, расходы на отчет о кредитоспособности, сборы за страхование правового титула и любые другие сборы, требуемые вашим кредитором или оплачиваемые в рамках сделки по ипотеке с недвижимостью. Кредиторы должны предоставить вам сводную информацию об этих расходах в документе Оценка кредита (Loan Estimate).

    Узнайте больше о том, что происходит при закрытии сделки.



    Ипотечное страхование (Mortgage insurance)

    Ипотечное страхование защищает кредитора, если вы просрочили свои платежи. Ипотечное страхование обычно требуется, если ваш первоначальный взнос составляет менее 20 процентов от стоимости недвижимости. Ипотечное страхование также обычно требуется для кредитов FHA и USDA. Однако, если у вас есть стандартный кредит и ваш первоначальный взнос составляет менее 20 процентов, у вас, скорее всего, будет частное ипотечное страхование (PMI).

    Поймите, как работает ипотечное страхование



    Изменение условий ипотечного кредитования (Mortgage loan modification)

    Изменение условий ипотечного кредитования — это изменение условий вашего кредита. Изменение условий ипотечного кредитования является одним из способов уменьшения потерь.

    Подробнее (на английском языке)



    Рефинансирование ипотеки (Mortgage refinance)

    Рефинансирование ипотеки — это ситуация, когда вы берете новый кредит, чтобы погасить и заменить старый кредит. Распространенными причинами рефинансирования являются снижение ежемесячной процентной ставки, уменьшение платежа по ипотечному кредиту или заем дополнительных денег. Когда вы рефинансируете кредит, вы, как правило, должны оплатить расходы на закрытие сделки и сборы. Если вы рефинансируете кредит и получаете более низкий ежемесячный платеж, убедитесь, что вы понимаете, какая часть сокращения связана с более низкой процентной ставкой, а какая — с увеличением срока кредита.

    Должен ли я рефинансировать кредит?

    Руководство для потребителей по рефинансированию ипотеки

    Инструментарий по кредиту на покупку жилья

    Справочник потребителя по ипотечным кредитам с регулируемой процентной ставкой



    Срок ипотеки (Mortgage term)

    Срок ипотечного кредита – это срок, в течение которого вы должны погасить кредит. Для большинства типов недвижимости сроки ипотеки обычно составляют 15, 20 или 30 лет.

    Изучите варианты сроков кредита.



    Сборы за инициирование кредита (Origination Fee)

    Сборы за инициирование кредита — это то, что кредитор взимает с заемщика за предоставление ипотечного кредита. Сборы за инициирование кредита могут включать обработку заявления, андеррайтинг, финансирование кредита, а также другие административные услуги. Сборы за инициирование кредита обычно могут увеличиваться только при определенных обстоятельствах.

    Узнайте больше о расходах на инициирование ипотеки.



    Страхование правового титула владельца (Owner's title insurance)

    Страхование правового титула владельца обеспечивает защиту домовладельца в том случае, если кто-то предъявляет иск и заявляет, что у него есть претензии к дому до того, как домовладелец купил его.

    Подробнее (на английском языке)



    Программа финансирования PACE (PACE financing)

    Программа финансирования внедрения чистых технологий PACE позволяет финансировать повышение энергоэффективности дома.

    Подробнее (на английском языке)



    Частичное требование (Partial claim)

    Частичное требование — это использование ипотечного страхования для того, чтобы помочь домовладельцу, оказавшемуся в тяжелой финансовой ситуации, избежать лишение права выкупа заложенного имущества. Финансовое учреждение, обслуживающее ипотеку, предъявляет требование ипотечному страховщику на сумму всех пропущенных ипотечных платежей, и страховщик откладывает эти деньги на отдельный счет. Затем, когда заемщик рефинансирует ипотеку, продаст дом или иным образом прекратит ипотеку, сумма частичного требования выплачивается финансовому учреждению, обслуживающему ипотеку. Иногда сумма частичного требования не покрывает всей суммы пропущенных платежей, и в таких случаях заемщик должен выплатить разницу.



    Сумма выплаты (Payoff amount)

    Сумма выплаты – это то, сколько вам фактически придется заплатить, чтобы выполнить условия ипотечного кредита и полностью погасить свою задолженность. Сумма выплаты отличается от вашего текущего баланса. Ваш текущий баланс может не отражать, сколько вам на самом деле нужно заплатить, чтобы полностью погасить кредит. Ваша сумма выплаты также включает в себя выплату любых процентов, которые вы должны до дня, когда вы намерены погасить свой кредит. Сумма выплаты может также включать в себя другие сборы, которые вы понесли, но еще не заплатили.



    Приказы о переводе на новое постоянное место службы (PCS orders)

    Военнослужащим, находящимся на действительной военной службе, могут быть отданы приказы о переводе на новое постоянное место службы (PCS). Приказы PCS – это официальное перемещение военнослужащего (и всех членов семьи, проживающих с ним) на другое место службы. Если военнослужащий владеет домом, он может продать его. Если военнослужащий должен за дом больше, чем дом стоит, у него могут возникнуть проблемы с продажей дома. Некоторые сервисные агенты предлагают программы, позволяющие военнослужащим продать свой дом и не выплачивать остаток кредита. Посетите веб-сайт ресурсы для военнослужащих для получения дополнительной информации.



    PITI

    Основная сумма кредита, проценты, налоги и страхование (Principal, Interest, Taxes, and Insurance), известные как PITI, являются четырьмя основными элементами ежемесячного платежа по ипотеке.

    Подробнее (на английском языке)



    PMI

    Частное ипотечное страхование (PMI) — это тип ипотечного страхования, который приносит пользу вашему кредитору. Вас могут обязать оплатить PMI, если ваш первоначальный взнос составляет менее 20 процентов от стоимости недвижимости и у вас имеется стандартный кредит. Вы можете отменить PMI, как только вы накопите определенную сумму собственного капитала своего дома.

    Узнайте больше о том, когда требуется PMI



    Заранее выплаченные проценты (Prepaid interest charges)

    Заранее выплаченные проценты — это сборы, подлежащие уплате при закрытии сделки для любых ежедневных процентов, которые начисляются на ваш кредит между датой закрытия вашего ипотечного кредита и периодом, покрываемым вашим первым ежемесячным платежом по ипотечному кредиту.

    Подробнее (на английском языке)



    Штраф за досрочное погашение кредита (Prepayment penalty)

    Штраф за досрочное погашение кредита — это плата, которую некоторые кредиторы взимают, если вы полностью или частично погашаете ипотечный кредит досрочно. Если у вас предусмотрен штраф за досрочное погашение кредита, вы согласились на это, когда закрывали сделку при покупке дома. Не все ипотечные кредиты предусматривают штраф за досрочное погашение кредита.



    Основная сумма кредита (Principal)

    Основная сумма ипотечного кредита, которую вы должны погасить. Ваш ежемесячный платеж включает в себя часть этой основной суммы кредита. При оплате основной суммы кредита заемщик должен меньше и будет платить меньше процентов в зависимости от меньшего размера кредита.

    Понимание разницы между процентной ставкой и основной суммой кредита.



    Налоги на недвижимость (Property taxes)

    Налоги на недвижимость — это налоги, взимаемые местными юрисдикциями, как правило, на уровне административных округов, в зависимости от стоимости облагаемой налогом недвижимости. Часто налоги на недвижимость взимаются в рамках ежемесячного платежа домовладельца по ипотечному кредиту, а затем выплачиваются в соответствующей юрисдикции один или несколько раз в год. Это называется счетом условного депонирования. Если у кредита нет счета условного депонирования, то домовладелец будет платить налоги на недвижимость напрямую.

    Дополнительная информация о процессе покупки дома.



    Соответствующая требованиям ипотека (Qualified mortgage)

    Соответствующая требованиям ипотека — это категория кредитов, которые имеют определенные, более стабильные характеристики, которые повышают вероятность того, что вы сможете позволить себе кредит.

    Подробнее (на английском языке)



    Соответствующий требованиям письменный запрос (Qualified Written Request - QWR)

    Соответствующий требованиям письменный запрос, или QWR, представляет собой письменную корреспонденцию, которую вы или кто-либо, действующий от вашего имени, может направить сервисному агенту ипотеки. Вместо QWR вы также можете отправить своему сервисному агенту Уведомление об ошибке (Notice of Error) или Запрос на предоставление информации (Request for Information).

    Подробнее (на английском языке)



    План погашения задолженности (Repayment plan)

    План погашения задолженности — это структурированный способ компенсировать пропущенные платежи по ипотечному кредиту в течение определенного периода времени. Это один из способов уменьшения потерь. Если у вас возникли проблемы с оплатой ипотечного кредита, ваш кредитор или сервисный агент могут разрешить вам заключить план погашения задолженности. Прежде чем заключить план погашения задолженности, убедитесь, что вы понимаете требования плана и сможете вносить новые платежи.



    Обратная ипотека (Reverse mortgage)

    Обратная ипотека позволяет домовладельцам в возрасте 62 лет и старше брать кредит под залог собственного капитала домовладельца. Это называется «обратной» ипотекой, потому что вместо платежей кредитору вы получаете деньги от кредитора. Полученные вами деньги и проценты, начисленные по кредиту, ежемесячно увеличивают баланс вашего кредита. Большинство обратных ипотек сегодня называются HECM, сокращенно от Ипотека с конверсией собственного капитала домовладельца.

    Узнайте, на что вам следует обратить внимание перед подачей заявления на обратную ипотеку.



    Право отказа от кредита (Right of rescission)

    Право отказа от кредита относится к праву потребителя аннулировать определенные виды кредитов. Если вы покупаете дом в ипотеку, вы не имеете права отказаться от кредита после подписания документов о закрытии сделки. Однако, если вы осуществляете рефинансирование ипотечного кредита, у вас есть время до полуночи третьего рабочего дня после заключения сделки, чтобы расторгнуть (аннулировать) договор об ипотеке. Трехдневный срок не начинается до тех пор, пока вы не подпишете кредитный договор (обычно называемый векселем), не получите форму раскрытия информации по Закону о правде в кредитовании (Truth in Lending disclosure) и не получите две копии уведомления, разъясняющего ваше право на расторжение договора.



    Вторая ипотека (Second mortgage)

    Вторая ипотека или младшее залоговое право — это кредит, который вы берете, используя свой дом в качестве залога, в то время как у вас все еще есть другой кредит, обеспеченный вашим домом.

    Узнайте больше о второй ипотеке.



    Обеспечительный интерес (Security interest)

    Обеспечительный интерес – это то, что позволяет кредитору лишить вас права выкупа, если вы не вернете деньги, которые вы заимствовали.

    Подробнее (на английском языке)



    Финансирование продавцом (Seller financing)

    Финансирование продавцом – это кредит, который предоставляет вам продавец дома.

    Подробнее (на английском языке)



    Сервисный агент (Servicer)

    Сервисный агент вашей ипотеки — это компания, которая отправляет вам декларации об ипотеке. Ваш сервисный агент также выполняет повседневные задачи по управлению вашим кредитом.

    Ваш сервисный агент по кредиту обычно обрабатывает платежи по вашему кредиту, отвечает на запросы заемщика, отслеживает выплату основной суммы кредита и процентов и управляет вашим счетом условного депонирования (если он у вас есть). Сервисный агент по кредиту может инициировать процесс о потере права выкупа при определенных обстоятельствах. Ваш сервисный агент может быть или не быть той же компанией, которая первоначально предоставила вам кредит.



    Ипотека, по условиям которой заемщик должен поделиться прибылью с кредитором (Shared appreciation mortgage)

    В соответствии с ипотекой, по условиям которой заемщик должен поделиться прибылью с кредитором, вы соглашаетесь отдавать своему кредитору долю любого увеличения стоимости вашего дома.

    Подробнее (на английском языке)



    Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке (Short sale)

    Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке — это продажа вашего дома за меньшую сумму, чем вы должны по ипотеке. Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке, является альтернативой потере права выкупа, но поскольку это продажа, вам придется покинуть свой дом. Если ваш кредитор или сервисный агент соглашается на продажу недвижимости за цену, которая не покрывает задолженности по ипотеке, вы можете продать свой дом, чтобы погасить ипотеку, даже если цена продажи или выручка окажутся меньше, чем остаток по ипотеке. Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке является способом уменьшения потерь. Если вы живете в штате, в котором вы несете ответственность за любую недоимку, которая представляет собой разницу между стоимостью вашей недвижимости и суммой, которую вы все еще должны по ипотечному кредиту, вы можете попросить своего кредитора отказаться от недоимки. Если кредитор отказывается от недоимки, получите такой отказ в письменной форме и сохраните его для своих записей.



    Субстандартный ипотечный кредит (Subprime mortgage)

    Когда кредиторы используют этот термин, они обычно имеют в виду кредитную программу для заемщиков, которые не имеют права на получение стандартного кредита, часто с более высокой процентной ставкой.

    Дополнительная информация о процессе покупки дома.



    Съемка (Survey)

    Съемка — это чертеж вашей недвижимости, показывающий расположение участка, дома и любых других построек, а также любые улучшения недвижимости.

    Подробнее (на английском языке)



    Плата за обслуживание титула (Title service fees)

    Плата за обслуживание титула является частью расходов на закрытие сделки, которые вы платите при получении ипотеки. Когда вы покупаете дом, вы получаете документ, чаще всего называемый договором за печатью (deed), который показывает, что продавец передал вам свое законное право собственности или «титул» на дом. Плата за обслуживание титула — это расходы, связанные с оформлением страховки титула для кредитора.

    Подробнее (на английском языке)



    Общая сумма процентов (Total interest percentage - TIP)

    Общая сумма процентов (TIP) — это раскрытие информации о том, сколько процентов вы заплатите в течение срока действия вашего ипотечного кредита.

    Подробнее (на английском языке)



    Общая сумма платежей (Total of payments)

    Это число говорит вам об общей сумме денег, которую вы выплатите в течение срока действия ипотеки.

    Подробнее (на английском языке)



    TRID

    «TRID» — это аббревиатура, которую некоторые люди используют для обозначения Правило комплексного раскрытия информации в соответствии с Законом о правдивости при кредитовании и Законом о порядке расчётов при заключении сделок с недвижимостью (TILA RESPA Integrated Disclosure rule).

    Подробнее (на английском языке)



    Кредит USDA (USDA loan)

    Служба жилищного строительства в сельской местности (Rural Housing Service), входящая в состав Министерства сельского хозяйства США (USDA), предлагает ипотечные программы без первоначального взноса и, как правило, выгодные процентные ставки для покупателей жилья в сельской местности, отвечающих требованиям Министерства сельского хозяйства США по доходам.

    Узнайте об этой и других специальных программах ипотечного кредита.



    Кредит VA (VA loan)

    Кредит VA — это кредитная программа, предлагаемая Администрацией по делам ветеранов (VA), чтобы помочь военнослужащим, ветеранам и соответствующим критериям пережившим их супругам купить дома. VA не выдает кредиты, но устанавливает правила для тех, кто может претендовать на получение кредита, и условия ипотеки. VA гарантирует часть кредита, чтобы снизить риск потери для кредитора. Кредиты, как правило, доступны только для основного места жительства.

    Если вы ветеран, узнайте, подходит ли вам кредит VA.

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    Подготовьте свое финансовое положение перед покупкой жилья

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    О покупке жилья мечтают многие семьи, но вы можете не знать, с чего начать, или когда именно вы будете готовы. Вот несколько шагов на пути к превращению в домовладельца. Более полное объяснение на английском языке можно найти в нашем руководстве «Покупка дома».

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    Прежде, чем предложить вам кредит на покупку жилья, заимодавцы решают, сможете ли вы выплатить его. Они могут учитывать в частности ваши доходы, активы, занятость, наличие сбережений и ежемесячные выплаты по долгам. Они также рассматривают вашу кредитную историю и оценку кредитоспособности, чтобы узнать, своевременно ли вы расплачиваетесь по долгам.

    Почему банковский счет важен для управления вашими финансами (на английском)

    Почему ваша кредитная история важна, и как ее улучшить (на английском)

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    Вам нужно знать, сколько денег вы тратите сейчас, чтобы решить, сколько вы можете позволить себе ежемесячно тратить на новое жилье. Составьте список всех своих трат в течение месяца. Сравните свои месячные траты со своей фактической ежемесячной зарплатой.

    Кроме того, решите, сколько вы хотите ежемесячно откладывать на сбережения, на случай чрезвычайных происшествий и на другие цели.

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    Сравнив свою зарплату со своими тратами, определите, сколько всего вы можете тратить на выплаты, связанные с жильем. В текущие расходы на владение жильем могут входить:

    • выплата основной суммы ипотечного кредита и процентов по нему
    • ипотечное страхование
    • налоги на недвижимость
    • страховка домовладельца
    • дополнительная страховка, например, от наводнений
    • взносы в ассоциацию домовладельцев (HOA)
    • затраты на обслуживание и ремонт жилья
    • коммунальные платежи

    Некоторые расходы — например, налоги и страховые взносы — могут со временем возрастать.

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    От первого взноса зависит, сколько и когда вы платите.

    Более крупный первый взнос требует большего начального капитала, но уменьшает ваши ежемесячные выплаты и суммарную стоимость кредита. Поскольку вы занимаете меньше денег, выплачивать вам тоже нужно меньше. Кроме того, вы меньше выплачиваете по процентам, так как сумма кредита становится меньше. А при начальном взносе, равном или большем 20 % цены дома, вы обычно не оплачиваете ипотечное страхование (на английском). Это экономит ваши средства, особенно в течение первых лет ипотеки.

    С другой стороны, после выплаты более крупного первого взноса у вас может остаться меньше денег на расходы. Оборотные средства могут понадобиться вам к концу процедуры оформления ипотеки, например, на расходы по завершению сделки. Вам также могут потребоваться деньги на переезд в новое жилье, усовершенствования или ремонт, а также новые покупки для обустройства жилья.

    Имеются возможности снижения первого взноса

    Многие программы могут помочь вам купить жилье с небольшим или нулевым первым взносом. Варианты с низким первым взносом могут означать более высокие расходы на протяжении периода выплаты ипотеки. На встрече с заимодавцами задавайте вопросы и попросите показать вам несколько вариантов кредита.

    Первый взнос — лишь часть ваших изначальных выплат

    При подписании документов на новое жилье вы должны оплатить сборы и другие издержки, чтобы получить ипотеку. Они называются издержками на заключение сделки. Обычно издержки на заключение сделки составляют от 2 до 5 % продажной цены жилья (не считая первого взноса). Однако фактические издержки на заключение сделки зависят от цены жилья, размера первого взноса, издержек заимодавца, типа кредита, типа жилья и его местоположения.

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    Получите помощь при покупке первого жилья

    Многие организации штатов и местных властей предлагают программы, которые помогают покупающим жилье в первый раз оплатить первый взнос или издержки на заключение сделки. Чтобы найти такую программу рядом с вами:

    Вы также можете попросить жилищного консультанта помочь вам:

    • выбрать удачный для вас момент для покупки жилья или решить, как вы можете улучшить свой кредитный рейтинг (на английском), чтобы получить более выгодное предложение;
    • внимательно рассмотреть имеющиеся у вас варианты ипотеки или другие возможности, которые вы сможете получить, если ваш кредитный рейтинг улучшится;
    • изучить ваши кредитные отчеты, доходы и дополнительную финансовую информацию и объяснить, как именно ипотечные заимодавцы оценивают вашу заявку.

    Узнайте, какие проблемы могут вам помешать

    Дискриминация противозаконна

    Заимодавцы не имеют права отказать вам в предоставлении кредита, взимать с вас более высокие выплаты или проценты, предлагать вам невыгодные условия или отговаривать вас от взятия кредита в зависимости от:

    • расы
    • цвета кожи
    • религии
    • страны происхождения
    • пола (в том числе сексуальной ориентации и гендерной идентичности)
    • семейного положения
    • возраста
    • получения денежных пособий от государства
    • добросовестного осуществления ваших прав в соответствии с Законом о защите потребительских кредитов

    При наличии проблем в связи с ипотечным кредитом вы можете подать жалобу онлайн или позвонив по номеру (855) 411-CFPB (2372).

    «Покупка в рассрочку» может быть чревата неприятностями

    Покупка в рассрочку (которую иногда называют «договором рассрочки», «сделкой с периодическими выплатами» или «оплатой в рассрочку») — это приобретение жилья с оплатой в соответствии с графиком платежей, но без традиционного ипотечного кредита. При этом вы соглашаетесь на ежемесячные платежи продавцу, а не обращаетесь к стороннему ипотечному заимодавцу, который выплачивает продавцу полную стоимость недвижимости. Продавец сохраняет право собственности на недвижимость до полного выполнения договора. Право собственности определяет законного владельца жилья.

    Чтобы лучше понимать свои права в ситуации покупки в рассрочку, вам может быть полезно поговорить с юристом. Здесь можно найти советы по поискам юристов в вашем штате.

    В случае покупки в рассрочку вы принимаете на себя обязанности владельца недвижимости на срок действия договора, хотя право собственности на нее вам еще не принадлежит. Как правило, по условиям покупки в рассрочку вы должны оплачивать налоги на недвижимость, страховку, ремонт и содержание недвижимости.

    В случае традиционного ипотечного кредита, если вы запаздываете с выплатами, заимодавец обычно может начать изъятие собственности только через некоторое время. В случае покупки в рассрочку продавец может начать процедуру выселения сразу же. Выселение может произойти очень быстро, если вы:

    • пропустите ежемесячную выплату
    • не сможете произвести «остаточный платеж» крупной суммы, если этого требует договор
    • не оплатите другие издержки, предусмотренные договором, например, налоги или расходы на содержание

    При этом все деньги и труд, вложенные вами в жилье, обычно достаются продавцу.

    У вас могут возникнуть неприятности, даже если вы производите все выплаты, предусмотренные договором. У права собственности продавца на недвижимость могут быть обременения. Например, у продавца могут быть долги по залоговым обязательствам или ипотеке на данный объект недвижимости. А иногда продавцы просто отказываются предоставить право собственности. Иногда продавец берет с вас деньги на оплату налогов и страховки, но не оплачивает их, и когда вы наконец становитесь собственником жилья, вы сталкиваетесь с крупными счетами, штрафами и другими проблемами.

    При наличии проблем в связи с покупкой в рассрочку вы можете подать жалобу онлайн или позвонив по номеру (855) 411-CFPB (2372).

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    Shopping for a mortgage (in Russian)
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    Поиск ипотеки

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    Поиск ипотечного кредита требует времени и усилий. Но это может сэкономить вам тысячи долларов. Поставьте перед собой цель сравнить как минимум три кредитных предложения от разных кредиторов.

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    Получите как минимум три предварительных одобрения

    Интернет и газеты являются хорошим стартовым пунктом для начала поиска ипотечных кредиторов. Обратитесь к банкам, кредитным союзам и организациями, которые могут специализироваться на вашей ситуации, например, с теми, кто покупает жилье впервые, с ветеранами, работниками государственных и муниципальных служб и т. д.

    Обратитесь за «предварительным одобрением» как минимум к трем разным кредиторам. Это означает, что кредитор проанализирует вашу финансовую ситуацию, включая вашу кредитную историю, и оценит, сколько вы можете занять и какой процент вам, скорее всего, придется платить.

    Предварительное одобрение позволяет вам оценить каждого кредитора и узнать, какие виды кредитов и цены он предлагает. Получение всех трех предварительных одобрений в течение короткого времени не должно сильно повлиять на ваш кредитный рейтинг.

    Когда вы примете определенные решения, вернитесь к этим кредиторам и запросить у них кредитные предложения.

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    Сравните условия кредита, структуры процентных ставок и программы

    Срок кредита: долгосрочный или краткосрочный

    Как правило, кредит с длительным сроком стоит больше в течение срока кредита. Но ваши ежемесячные платежи, как правило, ниже. Вы можете договориться с кредитором о другом сроке кредита, например, на 20 лет, 7 лет или даже более 30 лет.

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    Большинство покупателей жилья выбирают 30-летний кредит, поскольку в этом случае платежи могут быть низкими.

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    Платежи, как правило, выше, чем по 30-летним кредитам, но ваш кредит погашается через 15 лет, и общая стоимость кредита может быть ниже.

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    Структура процентной ставккредита: фиксированная или регулируемая процентная ставка

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    Кредиты с фиксированной процентной ставкой являются популярными. Ваш первоначальный платеж может быть ниже при использовании кредита с регулируемой процентной ставкой, однако если процентные ставки вырастут, вы можете столкнуться с резким увеличением платежей.

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    Ваша процентная ставка и ежемесячный платеж останутся неизменными на протяжении всего срока кредита.

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    Ваша процентная ставка обычно фиксируется в течение первых нескольких лет кредита. По истечении этого фиксированного периода процентная ставка пересматривается на регулярной основе в соответствии с «индексом». Индекс является мерой процентных ставок в целом и отражает тенденции в экономике в целом. Это означает, что сумма вашего платежа может увеличиваться или уменьшаться. Подробная информация содержится в оценке кредита, которую вы получаете от кредитора.

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    Типы кредитных программ: стандартная, FHA (Федеральное управление жилищного строительства США), VA (Администрация по делам ветеранов) или специальная программа

    Существует множество кредитных программ, и некоторые из них созданы для оказания помощи в получении ипотечных кредитов людям в определенных обстоятельствах или группах.

    Вносите первоначальный взнос в размере 5% и более?

    Запросите информацию о соответствующем кредите Fannie Mae или Freddie Mac, который часто называют «обычным» кредитом.

    Вносите только небольшой первоначальный взнос?

    Запросите информацию о кредите, застрахованном FHA.

    Военнослужащий или ветеран?

    Запросите информацию о кредите, гарантированном VA.

    Покупаете дом в сельской местности?

    Запросите информацию о кредите, спонсируемом Министерством сельского хозяйства США (USDA).

    Вы впервые покупаете жилье и имеете низкий или средний доход?

    Запросите информацию о кредитах, доступных через агентство жилищного финансирования вашего штата.

    Сравните кредитные предложения

    Теперь пришло время начать официальный процесс подачи заявления. Попросите у своих кредиторов предложения кредитов, отражающие ваши выборы по типу кредита, программе и сроку. Тогда вы сможете объективно сравнить эти предложения.

    Сначала сравните основные характеристики кредита:

    • Каков срок кредита?
    • Какова процентная ставка?
    • На какой сумме первоначального взноса основан кредит?
    • Каков размер ежемесячного платежа?
    • Для кредитов с изменяемой процентной ставкой предусмотрены ли ограничения на изменение платежей и процентной ставки? Снижается ли процентная ставка, если рыночные процентные ставки уменьшаются

    Затем сравните остальные детали, которые могут повлиять на ваши затраты:

    • Когда мои платежи погасят мою основную сумму кредита?
    • Изменятся ли платежи в течение срока кредита? Насколько большим может стать мой платеж?
    • Включает ли мой платеж налоги на недвижимость и страховку? Если нет, могу ли я позволить себе оплатить их отдельно?
    • Какие расходы и сборы будут добавлены к моему первоначальному платежу? К моему текущему платежу?
    • Нужно ли мне платить баллы (авансовые платежи, которые снижают вашу процентную ставку)?
    • Какие сборы и расходы включены в занимаемую сумму (обычно для кредита «без затрат на закрытие сделки»)?
    • Соответствует ли письменное предложение тому, что было сообщено устно о кредите?
    • Могу ли я получить более выгодное предложение по расчетному обслуживанию от разных поставщиков услуг?
    • Могу ли я погасить кредит досрочно или сделать более крупные платежи, чем запланированные платежи, без штрафов?

    Попросите лучшие условия сделки

    Когда вы получите предложения от нескольких кредиторов, спросите, могут ли они предложить лучшие условия. Переговоры являются обычной практикой, и нет ничего плохого в том, чтобы спросить. Кредитор может отказаться от одной или нескольких комиссий или уменьшить процентную ставку или баллы.

    Убедитесь в том, что кредитор не снижает одну комиссию, повышая другую, или не снижает вашу процентную ставку, но повышает ваши баллы.

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    Shopping for your auto loan (in Russian)
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    Выбор автокредита

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    Несмотря на всю сложность, выбор кредита и получение лучших ставок и других условий не сильно отличается от обычного процесса покупки, и если заранее подготовиться, то можно избежать лишнего стресса и сделать процесс более простым.

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    Подготовка к подаче заявки на получение автокредита

    Вы будете в лучшей позиции для поиска и совершения сделок по автокредиту, если выполните эти шаги до подачи заявки на автокредит.

    На что следует обратить внимание в кредитном отчете

    Информация в вашем кредитном отчете определяет ваш кредитный рейтинг. Ваш кредитный рейтинг играет большую роль в определении типа доступного для вас автокредита и процентной ставки по нему. Вот несколько полезных ресурсов:

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    Вам нужен сопоручитель?

    Сопоручитель — это человек, такой как родитель, член семьи или друг, который, как и вы, берет на себя обязательства по погашению кредита. Если ваша кредитная история ограничена или требует улучшения, и у вас низкий (или даже нулевой) кредитный рейтинг, ваша процентная ставка может значительно снизиться,

    если вашим сопоручителем выступит лицо с хорошей или превосходной кредитной историей. Это связано с тем, что кредитор будет учитывать кредитную историю сопоручителя при принятии решения о предоставлении кредита.

    Если вы решаете привлечь сопоручителя, вы оба должны тщательно обдумать это решение. Если вы не погашаете ваш кредит, вы и ваш сопоручитель будете нести ответственность за его погашение. Сопоручитель несет ответственность за кредит, даже если не имеет права владения автомобилем. Кроме того, просрочки по кредиту повлияют и на вашу кредитную историю и рейтинг, и на кредитную историю и рейтинг вашего сопоручителя. Как правило, федеральное законодательство запрещает кредитору требовать от вас назначения сопоручителя, если вы обращаетесь за кредитом. .самостоятельно и соответствуете стандартам кредитора относительно кредитоспособности. Более подробную информацию о сопоручительстве см. на веб-сайте consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    Выясните текущие ставки по автокредитам

    Вы можете узнать ставки по автокредитам, обратившись в несколько банков, кредитных союзов или к другим кредиторам. Вы также можете найти эту информацию в интернете: на многих коммерческих веб-сайтах вам предоставят примерные процентные ставки по стране и регионам. Некоторые коммерческие сайты могут перенаправить вас на конкретных кредиторов и дилеров для получения предложений, поэтому будьте внимательны при предоставлении личной информации.

    Первоначальный платеж

    Первоначальный платеж уменьшит общую сумму кредита, так как вам придется занимать меньше денег. Чем выше первоначальный платеж, тем ниже общая стоимость кредита.

    Решите, хотите ли вы отдать свой старый автомобиль на обмен нового с доплатой

    Если у вас уже есть автомобиль, выясните его стоимость, чтобы узнать, сколько вы сможете выручить от его продажи, или отдав его в счет нового. Примерную цену можно посмотреть на коммерческих веб-сайтах, таких как Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power и на досках объявлений в сети. Эти ресурсы также можно найти в вашей местной библиотеке. Чтобы определить справедливую цену, поищите информацию о продажах подобных автомобилей в вашем регионе.

    После определения цены имеющегося автомобиля можно решить, стоит ли обменивать с доплатой. Если вы оформляете отдачу старого автомобиля в счет нового в дилерской компании, вы и дилер определяете стоимость, которая будет вычтена из цены вашего нового автомобиля. Если вы самостоятельно продаете автомобиль, вы можете использовать вырученные деньги для покупки нового.

    Если ваш старый автомобиль взят в кредит, отнеситесь к такой ситуации со всей осторожностью

    Тщательно обдумайте, стоит ли брать на себя новый долг в дополнение к имеющемуся. Вот несколько рекомендаций:

    • Определите сумму выкупа, которая будет использована для погашения имеющегося кредита, у вашего текущего кредитора, прежде чем обратиться к дилеру.
    • Решите, будете ли вы погашать имеющийся кредит сейчас, или подождете, пока не будет погашен ваш старый автокредит до заключения нового, или вы добавите сумму задолженности по старому кредиту к новому кредиту.
    • Если за имеющийся автомобиль вы должны больше, чем он стоит — это называется обесцененным капиталом. Если вы переносите баланс вашего имеющегося автокредита на новый, новый автокредит может обойтись вам намного дороже. При этом общая стоимость кредита повысится из-за того, что вам придется взять в кредит сумму, превышающую цену нового автомобиля.
    • После определения стоимости при обмене старого автомобиля на новый с доплатой, если сумма вашей задолженности по такому обмену меньше его стоимости, в ходе переговоров убедитесь, что вам предлагают справедливую цену и вы сможете полностью оплатить задолженность по старому автокредиту.
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    Все равно должны денег после обмена с доплатой?

    Если вы хотите перенести баланс по старому кредиту на новый, убедитесь, что вы понимаете, как это повлияет на общую стоимость нового кредита. Внимательно проверьте общую стоимость нового кредита, включая одолженную сумму, годовую процентную ставку (APR), ставку вознаграждения, срок кредита (в месяцах) и сумму ежемесячного платежа, прежде чем согласиться на что-либо. Если вы не включаете текущую задолженность за старый автомобиль в новый кредит, а решили сохранить старый автомобиль и купить новый, у вас будет два кредита и два ежемесячных платежа. В любом случае, подумайте: стоит ли покупать следующий автомобиль, когда вы еще не погасили кредит за предыдущий автомобиль. Более подробную информацию см. на веб-сайте consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    Обдумайте дополнения заранее

    Автодилер, скорее всего, предложит вам дополнительные продукты и услуги для автомобиля или кредита. Рекомендуем заранее обдумать такие дополнения, чтобы у вас было меньше забот при покупке, и вы смогли заранее определить необходимость таких дополнений. Типовые дополнения:

    Такие продукты и услуги являются необязательными. Если вы решите купить их, цену можно обсуждать. Если вы обдумываете их покупку, соберите информацию. Например, ваша собственная компания автострахования может предложить промежуточное страхование, кредитное страхование или их альтернативы. Если вы включаете в кредит дополнительные опции, одалживаемая сумма и платежи возрастают.

    Теперь, после того, как мы сделали домашнее задание, давайте приступим к следующему шагу: выбору автокредита. Для отслеживания условий кредита и сравнения ваших вариантов, используйте таблицу автокредита на consumerfinance.gov. Возьмите эту таблицу с собой в банк, кредитный союз, к другому кредитору или дилеру, чтобы сравнить варианты кредита и заключить самую выгодную сделку.

    Выбор автокредита

    Теперь вы готовы к тому, чтобы выбрать кредит. До того, как пойти к дилеру, соберите свои личные данные и подумайте о том, чтобы получить предварительное одобрение кредита.

    Если вы займетесь этим заранее, вы подготовитесь к обсуждению вашего автокредита и сделаете процесс менее сложным для себя.

    Соберите личные данные

    Прежде чем обратиться в банк, кредитный союз или к дилеру, соберите всю необходимую информацию. Кредиторы, как правило, просят указать в заявке на получение кредита следующую информацию:

    • ФИО
    • Номер социального страхования или Индивидуальный идентификационный номер налогоплательщика (ИИНН)
    • Дата рождения
    • Текущий и предыдущие адрес и длительность проживания
    • Текущий и предыдущий работодатель и длительность трудоустройства
    • Род занятий
    • Источник дохода
    • Общий ежемесячный доход
    • Финансовые данные о текущих кредитных счетах, включая прочие задолженности

    Получите предварительное одобрение кредита

    Получение предварительно одобренного кредитного предложения с максимальной суммой кредита и процентной ставкой от банка, кредитного союза или другого кредитора — хорошее начало. Если вы возьмете с собой к дилеру кредитное предложение от кредитора, вы сможете упрочить свое положение и получить более выгодные условия, а затем решить, чем воспользоваться: имеющимся предложением или предложением дилера.

    Предварительное одобрение кредита также поможет вам контролировать свой бюджет и сравнить процентные ставки без спешки и давления, которые часто возникают при покупках у дилеров. Это позволит вам сосредоточиться на фактической цене автомобиля и его стоимости при обмене с доплатой, поскольку вы уже будете знать, какие условия кредитования вы можете получить. Вам не обязательно использовать такой предварительно одобренный кредит — вы можете согласовать более выгодные условия кредита с дилером.

    Если ваша заявка прошла предварительное одобрение, кредитор даст вам документы, которые вы возьмете с собой к дилеру. После того, как вы будете готовы совершить покупку, дилер выполнит окончательное согласование с кредитором.

    Как выбор кредита влияет на кредитный рейтинг

    Поиск и выбор наиболее выгодного предложения, как правило, оказывает несущественное или нулевое воздействие на ваш кредитный рейтинг. При этом преимущества поиска и выбора значительно перевешивают его влияние на вашу кредитную историю. В некоторых случаях подача заявок на несколько кредитов на протяжении длительного времени может снизить ваш кредитный рейтинг. В зависимости от модели расчета кредитного рейтинга, как правило, все запросы таких кредиторов на получение вашей кредитной истории на протяжении периода от 14 до 45 дней рассматриваются как один запрос. Это значит, что если вы будете заниматься поиском и выбором автокредита на протяжении этого периода, все ваши заявки будут считаться одной заявкой. Чтобы минимизировать негативное воздействие на кредитный рейтинг, осуществляйте подбор в течение короткого периода времени.

    Знайте свои права

    Кредитор не имеет права препятствовать в подаче заявки на кредит, отклонять ее или предлагать другие цены, сроки или условия кредита из-за вашей расовой принадлежности, цвета кожи, религии, национальности, пола, семейного положения, возраста, факта получения государственного пособия или добросовестного исполнения любых прав, предусмотренных в Законе о защите потребительского кредита.

    Вы можете сообщить о мошенничестве онлайн в Федеральной Торговой Комиссии на веб-сайте reportfraud.ftc.gov . Также вы можете подать жалобу в Бюро по защите финансовых потребителей на consumerfinance.gov/complaint или позвонив по бесплатному номеру 1-855-411-CFPB (2372).

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    Что обозначает ваш кредитный отчет

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    Если вы запросили, чтобы вам предоставили бесплатный отчет о вашей кредитоспособности, вы можете использовать указанную ниже информацию для того, чтобы разобраться в этом отчете и убедиться, что в нем нет никаких ошибок.

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    Кредитный отчет легче всего можно изучить в том случае, если вы знаете и понимаете все элементы его - что они обозначают и как они влияют на ваш статус в отношении кредитоспособности.

    Отчеты могут быть составлены в различной форме или могут использовать различные слова. Однако они предоставляют одну и ту же информацию, которая описана ниже.

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    Form snapshot of "Personal Information"

    Персональные данные

    Бюро кредитных историй используют ваши персональные данные, чтобы убедиться в том, что вы являетесь тем лицом, которое открыло счета, описанные в отчете. Внимательно просмотрите этот раздел, чтобы убедиться в том, что в отношении вас там указана правильная и обновленная информация. Неправильно указанное имя, фамилия или неправильный номер социального обеспечения могут привести к тому, что вас будут обвинять в неуплате долга другого лица.

    Form snapshot of "Public records"

    Официальные документы с открытым доступом

    Банкротства и обращения взыскания на различное имущество, в некоторых случаях, это единственные открытые официальные документы, которые предоставляются в кредитных отчетах, исходящих от трех общенациональных бюро кредитных историй. Открытые судебные материалы могут оказывать негативное влияние на вашу кредитную историю и на ваш рейтинг. Если у вас были банкротства, то они могут указываться в вашем кредитном отчете в течение 10 лет. Негативная информация в вашем кредитном отчете может приводить к тому, что у вас будет более высокая процентная ставка или вам откажут в выдаче кредита.

    Информация о счете

    В разделе сведений о различных счетах один за другим будут указаны ваши кредитные счета. Как правило, заимодавцы обновляют свою информацию ежемесячно. Обычно такая информация включает в себя ваше платежное поведение, наличие каких-либо задолженностей по текущим или прошлым счетам, ваш баланс на счетах и типы ссуд или счетов. Если в вашем кредитном отчете указано такое название заимодавца, которое незнакомо вам, то это может быть название материнской компании вашего заимодавца или может быть новая компания, в которую вступил ваш заимодавец путем слияния компаний. Если вы не уверены, что это точное название - проверьте информацию, написанную мелким шрифтом в своем ежемесячном счете, или свяжитесь с заимодавцем. Если в вашем кредитном отчете указывается такой счет, который не принадлежит вам, то в таком случае вы имеете право оспаривать его присутствие в отчете.

    В кредитных отчетах информация о ваших счетах в компаниях-эмитентах кредитных карточек и счетах у других заимодавцев указывается как удовлетворительная или хорошая, либо как неудовлетворительная или потенциально негативная.

    Счета в удовлетворительном состоянии

    Счета в удовлетворительном состоянии, это счета без нарушений. Они указывают на то, что бюро кредитных историй не получало недавно сообщений негативного характера. Счет обычно считается удовлетворительным в том случае, если он оплачивается в течение 30 дней после даты оплаты. Своевременная оплата защищает вашу кредитную историю и кредитный рейтинг.

    Счета в потенциально негативном состоянии

    Счета, в которых просрочены сроки оплаты, или по которым проводится принудительное взыскание, описываются как неудовлетворительные или потенциально негативные. Бюро кредитных историй обычно сообщает самую худшую негативную информацию, например, пропущенные платежи или принудительное взыскание средств. Такая информация предоставляется за последние семь лет. Возможно, вы увидите, что у компании, выдавшей первоначальную ссуду, было другое название. Заимодавцы иногда обращаются к другим компаниям для того, чтобы взыскивать причитающиеся им долги. Или иногда они продают причитающийся им долг. В таком случае компания, которая стала новым владельцем долга, в кредитном отчете указывается вместе с

    Запросы в отношение кредитоспособности

    Бюро кредитных историй получают запросы от субъектов хозяйствования, заимодавцев или работодателей, когда те просят предоставить им ваш отчет о кредитоспособности. Причина подачи такого запроса может влиять на ваш кредитный рейтинг.

    Запросы на углубленное изучение

    Запрос на углубленное изучение вашего кредитного отчета подается заимодавцем тогда, когда вы подали заявление на предоставление кредита. Запросы на углубленное изучение могут влиять на ваш кредитный рейтинг, потому что в большинстве моделей рейтинга кредитоспособности учитывается то, как давно вы подавали заявление на предоставление кредита и как часто это происходит.

    Запросы на поверхностное изучение

    Запрос на поверхностное изучение подается тогда, когда ваши данные о кредитоспособности рассматриваются по другим причинам, которые не связаны с подачей заявления на получение кредита. Например, когда заимодавец проверяет существующий счет, или когда вы попросили предоставить вам ваш собственный кредитный отчет, или когда потенциальный заимодавец хочет предварительно проверить вас перед тем, как предлагать вам кредит. Запросы на поверхностное изучение не затрагивают ваш кредитный рейтинг.

    После того, как вы проверили свои отчеты, внимательно следите за ними

    Заведите себе привычку периодически проверять свой кредитный отчет

    Один раз в 12 месяцев вы имеете право запросить, чтобы вам бесплатно предоставили копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй: Equifax, Experian и TransUnion. Кроме этого, до конца 2026 года вы имеете право получать у компании Equifax шесть бесплатных кредитных отчетов каждые 12 месяцев.

    Заходите на веб-сайт annualcreditreport.com , позвоните по телефону (877) 322-8228, или скачайте и заполните бланк запроса ежегодно кредитного отчета и отправьте его по почте по тому адресу, который указан в бланке. При посещении сайта, возможно, вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в своем рейтинге кредитоспособности.

    Быстро принимайте меры для того,
    чтобы исправлять ошибки

    Вы можете использовать бланки типичных писем для того, чтобы оспаривать ошибки в кредитном отчете или отвечать на действия, направленные на взыскание долга. Такие письма имеются на веб-сайте: consumerfinance.gov/askcfpb/314.

    Предпринимайте действия для того, чтобы улучшить свою кредитоспособность или лучше понимать ее

    Вы можете получить информацию и советы на веб-сайте: consumerfinance.gov/consumer-tools/credit-reports-and-scores.

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    Understand your credit score (Russian)
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    Что обозначает ваш кредитный рейтинг

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    Для того, чтобы оценить вероятность возвращения вами денег, которые вы берете взаймы, банки, компании-эмитенты кредитных карточек и другие субъекты хозяйственной деятельности используют кредитные рейтинги.

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    Высокий кредитный рейтинг поможет вам получить ссуду и уменьшит величину процентной ставки. Многие системы рейтингов используют шкалу от 300 до 850 баллов, однако различные компании используют различные диапазоны величин.

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    Вас могут оценивать по многим кредитным рейтингам

    Вас могут оценивать по многим кредитным рейтингам, потому что:

    • Заимодавцы используют различные рейтинги для различных продуктов
    • Существует много различных формул для рассчета кредитного рейтинга
    • Информация может поступать из различных источников, которые предоставляют сообщения в системы кредитных рейтингов

    Например, рейтинг кредитной карточки может отличаться от ипотечного рейтинга, а какой-либо рейтинг, который вы покупаете онлайн, может отличаться от обоих этих рейтингов.

    Для некоторых лиц эти различия не являются большими. Но вследствие того, что заимодавцы используют различные системы рейтингов, у некоторых заимодавцев вы можете получить более низкий процент, чем у других. Если вы будете сравнивать цены - вы можете выиграть от этого.

    Откуда берутся кредитные рейтинги?

    Ваш кредитный рейтинг обычно основан на информации, указанной в ваших кредитных отчетах. Ваши заимодавцы сообщают эту информацию в бюро кредитных историй. Три самые крупные из них - Equifax, Experian и TransUnion.

    На ваш кредитный рейтинг влияют несколько факторов, включая следующие:

    • Сколько у вас имеется счетов с отрытым кредитом
    • Как давно вы пользуетесь этими счетами
    • Как близко вы подбираетесь к максимальному лимиту вашего кредита
    • Как часто вы опаздываете с предоставлением платежей
    • Прочие факторы

    Как можно повысить свой рейтинг

    • Постоянная своевременная оплата своих счетов оказывает самое большое влияние на величину вашего рейтинга. Один из способов обеспечения своевременной оплаты своих платежей - регистрация на автоматическое взимание платежей или настройка электронных напоминаний о необходимости выполнить платеж. Если вы пропустили платеж - оплатите его и не допускайте задолженностей.
    • Не приближайтесь к максимальной сумме своего кредитного лимита. Модели определения рейтинга кредитоспособности учитывают то, как близко вы приближаетесь к своему максимальному кредитному лимиту. Поэтому попытайтесь сохранять баланс на низком уровне пропорционально к своему общему лимиту кредитования. Эксперты советуют, чтобы вы не превышали уровень, составляющий 30 процентов от вашего общего лимита кредитования
    • Наличие долгосрочной кредитной истории помогает повысить ваш рейтинг. Кредитные рейтинги зависят от показателей, накопленных в течение времени. Ваш рейтинг повышается с течением времени: чем дольше существует предоставленный кредит - тем выше рейтинг. Откройте различные типы счетов и своевременно оплачивайте их.
    • Действуйте осторожно при закрытии счетов. Если вы закроете несколько счетов кредитных карточек и переведете весь баланс или большую его часть на одну кредитную карточку - такие действия могут понизить ваш кредитный рейтинг, если вы будете использовать более высокий процент от общего объема своего лимита кредитования. Частое открытие счетов и переведение балансов между ними также может негативно сказаться на вашем рейтинге.
    • Подавайте заявления на получение только тех кредитных линий, которые вам нужны. Кредитный рейтинг отображает ваше недавнее взаимодействие с предоставленными кредитами, что является индикатором ваших нужд в отношении кредитов. Если вы будете запрашивать большое количество кредитных линий в течение короткого промежутка времени - может создаться впечатление, что у вас ухудшилась ситуация с деньгами.

    Ваш кредитный отчет имеет такое же значение, как и ваш рейтинг

    Если в ваших кредитных отчетах существуют ошибки - они могут отрицательно сказаться на вашей кредитной истории и кредитном рейтинге. Поэтому регулярно проверяйте их.

    Один раз в 12 месяцев вы имеете право бесплатно получить копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй. Заходите на веб-сайт: annualcreditreport.com или звоните по телефону: 877-322-8228. Кроме этого, до 31 декабря 2026 года компания Equifax будет предоставлять шесть бесплатных кредитных отчетов каждые 12 месяцев. При посещении сайта, возможно, вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в вашем рейтинге кредитоспособности.

    Когда вы получите свой отчет - обратите внимание на следующие моменты:

    • Ошибки в таких данных, как фамилия и имя, номер телефона или адрес
    • Ссуды, кредитные карточки или другие счета, которые не являются вашими
    • Сообщения о том, что вы предоставляли оплату с опозданием, хотя вы оплачивали вовремя
    • Счета, которые были вами закрыты, но которые указаны как открытые счета
    • Один и тот же пункт, который показывается несколько раз (например - неоплаченный долг)

    Как исправлять ошибки

    Если в своем кредитном отчете вы обнаружили какую-либо неточную информацию - вы можете связаться как с бюро кредитных историй, так и с компанией, которая предоставила такую информацию (например: компания-эмитент кредитных карточек). Объясните им, что по вашему мнению указано неправильно и почему. Приложите копии документов, которые подтверждают вашу позицию. В ваших кредитных отчетах предоставлены инструкции о том, как можно оспаривать существующие ошибки.

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    Kumilos agad kung hindi mo kayang bayaran ang iyong mga credit card

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    Agad na kumilos at tawagan ang kumpanya ng iyong credit card kung naniniwala kang hindi mo kayang bayaran ang minimum na kabayaran sa iyong credit card.

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    Maraming kumpanya ng credit card ang maaaring pumayag na tumulong kung nahaharap ka sa pinansyal na emerhensya. Hindi mo kailangang mahuli sa iyong pagbabayad para makahingi ng tulong!

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    Huwag balewalain ang problema

    Maaari lamang magdulot iyon ng mas malalaking problema, tulad ng:

    • Mas matataas na antas ng interes
    • Mas matataas na minimum na kabayaran
    • Pagkawala ng mga pribilehiyo sa pagcharge
    • Mga singil sa nahuling pagbayad
    • Pagkasira sa iyong credit score

    Narito ang kailangang gawin

    1. Sumahin ang iyong kita at mga gastusin

    Look for ways to cut costs. If you can’t find enough to pay your minimum payment, decide how much you can afford to pay.

    2. Tawagan ang kumpanya ng iyong credit card

    Siguraduhing malinaw na naipapaliwanag ang:

    • Bakit hindi mo kayang bayaran ang minimum
    • Magkano ang kaya mong bayaran
    • Kailan mo maaaring muling masimulan ang iyong mga normal na pagbabayad

    3. Isaalang-alang ang credit counseling

    Kung kailangan mo pa ng karagdagang tulong, ang mga nonprofit na organisasyon sa credit counseling ay makakapagturo sa iyo ng higit pa tungkol sa pangangasiwa ng iyong pera.

    Bago mag-sign up para sa credit counseling, itanong kung mapapatawan ka ng singil, magkano, at kung anong mga serbisyo ang ipagkakaloob. Siguraduhing naglalaan ng panahon ang iyong credit counselor upang matutunan ang tungkol sa iyong pinansyal na sitwasyon, at nag-aalok na tulungan kang matutunan ang kung paano ito mapapabuti.

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    Walang madaliang pagresolba

    Sinasabi ng ilan sa mga for-profit na kumpanyang tumutulong sa utang na matutulungan ka nilang mabayaran ang iyong mga utang “sa napakaliit na halaga.” Ngunit madalas, hindi naaangkop ang mga pangakong ito. Mag-ingat sa anumang organisasyong tumutulong sa utang na:

    • Nagpapataw ng mga singil bago resolbahin ang iyong mga utang
    • Naggagarantiya na sa pamamagitan nila ay puwedeng maglaho ang iyong utang
    • Nagsasabi sa iyong tumigil sa pakikipag-usap sa mga nagpapautang o mga kumpanya ng credit card
    • Nagsasabi sa iyong tumigil sa pagbabayad mo sa credit card o loan
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    Mga pangunahing kataga para sa mga loan sa sasakyan

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    Aktuwal na Halaga sa Pera (ACV) (Actual Cash Value (ACV))

    Ang Aktuwal na Halaga sa Pera (ACV) ay ang halaga ng sasakyan ayon sa mga kilalang-kilalang independiyenteng pinagkukunan tulad ng Pambansang Asosasyon ng mga Nagbebenta ng Sasakyan (National Automobile Dealers Association) o Kelley Blue Book .

    Amortisasyon (Amortization)

    Ang amortisasyon ay ang proseso ng unti-unting pagbabayad sa iyong loan sa sasakyan. Sa isang naka-amortize na loan, para sa bawat isa sa iyong mga buwanang kabayaran, inilalapat ang isang bahagi nito sa halaga ng loan – ang principal – at inilalapat ang bahagi ng kabayaran sa pagbabayad ng pinansyal na singil – ang interes.

    Magbasa nang higit pa (sa Ingles)

    Taunang Porsyento ng Singil (APR) (Annual Percentage Rate (APR))

    Ang Taunang Porsyento ng Singil (APR) ay ang halagang binabayaran mo kada taon para humiram ng pera, kabilang ang mga singil, na ipinapakita bilang porsyento. Ang APR ay ang mas malawak na panukat ng gastos para sa iyo sa paghiram ng pera dahil hindi lamang ito sumasalamin sa antas ng interes ngunit pati na rin sa mga singil na kailangan mong bayaran para makakuha ng loan. Kung mas mataas ang APR, mas malaki ang babayaran mo sa kabuuang itatagal ng loan.

    Ang APR ng loan sa sasakyan at ang antas ng interes ay dalawa sa pinakamahahalagang panukat sa presyong binabayaran mo sa paghiram ng pera. Inaatasan ng pederal na Truth in Lending Act (TILA, Batas sa Katotohanan sa Pagpapautang) ang mga nagpapautang na partikular na isiwalat sa iyo ang tungkol sa mahahalagang termino, kabilang ang APR, bago ka legal na magkaroon ng obligasyon sa loan. Dahil ang lahat ng nagpapautang ay kailangang magbigay ng APR, maaari mong gamitin ang APR para paghambingin ang mga loan sa sasakyan. Siguraduhin lamang na inihahambing mo ang mga APR sa mga APR at hindi sa mga antas ng interes

    Itinalaga (Assignee)

    Ang itinalaga (assignee) ay isang indibidwal o kumpanyang bumibili ng iyong loan sa sasakyan. Halimbawa, ang isang nagbebenta ng sasakyan (auto dealer) na nagbigay sa iyo ng credit ay maaaring ibenta ang iyong loan sa isang bangko, kung saan ginagawa nitong itinalaga ang bangko. May pagkakautang kang pera sa sinumang bumili ng iyong loan. May lien ang itinalaga sa sasakyan at maaari nitong bawiin ito (repossess) kung hindi ka magbabayad.

    Pangunahing presyo (Base price)

    Ang pangunahing presyo (base price) ay ang presyo ng sasakyan na walang opsyon.

    Magbasa nang higit pa (sa Ingles)

    Antas sa pagbili (Buy rate)

    Ang antas sa pagbili (buy rate) ay ang antas ng interes na kino-quote ng potensyal na magpapautang sa iyong dealer kapag nag-a-apply ka para sa pagpipinansyang isinaayos ng dealer.

    Magbasa nang higit pa (sa Ingles)

    Kasamang lumagda (Co-signer)

    Ang kasamang lumagda (co-signer) ay isang indibidwal—tulad ng magulang, malapit na kapamilya, o kaibigan—na nangangakong babayaran ang loan kung hindi mo ito magagawa. Maaari itong maging isang pakinabang para sa iyo at sa nagpapautang sa iyo. Inaako ng kasamang lumagda ang buong responsibilidad na bayaran ang loan. Ang pagkakaroon ng kasamang lumagda sa iyong loan ay nagbibigay sa nagpapautang sa iyo ng dagdag na katiyakan na mababayaran ang loan. Kung hindi mo babayaran ang iyong loan, mananagot ang kasamang lumagda sa pagbabayad kahit na hindi siya kailanman nagmaneho ng iyong sasakyan. Kung may humiling sa iyong maging kasamang lumagda sa isang loan, kailangan mong isaalang-alang kung paano nito maaapektuhan ang iyong kalagayang pinansyal.

    Credit insurance

    Ang credit insurance ay opsyonal na insurance na maaaring magbayad para sa iyong sasakyan sa nagpapautang sa iyo sa ilang sitwasyon, tulad ng kung ikaw ay namatay o nagkaroon ng kapansanan. Kung isinasaalang-alang mo ang credit insurance, siguraduhing nauunawaan mo ang mga tuntunin ng polisang inaalok. Kung nagpasya kang kailangan mo ng insurance, maaaring may mga mas murang paraan para makakuha ka ng coverage sa halip na bumili ng credit insurance at idagdag ito sa iyong loan sa sasakyan. Halimbawa, maaaring mas mura ang life insurance kaysa sa credit life insurance at pinahihintulutan nito ang iyong pamilya na bayaran ang iba pang mga gastusin bukod sa iyong loan sa sasakyan.

    Mga produkto ng pagkansela o pagsuspindi ng utang (Debt cancellation or suspension products)

    Naghahandog ang ilang nagbebenta ng sasakyan at pati na rin ang ibang mga bangko at credit union ng mga produkto o insurance ng “pagkansela ng utang” at “pagsuspindi ng utang” sa ilalim ng iba't ibang pangalan. Halos katulad ng mga produktong ito ang credit insurance pagdating sa ginagampanan nito, ngunit maaaring naiiba ang mga singil at iba pang tampok.

    Magbasa nang higit pa (sa Ingles)

    Natitirang balanse (Deficiency balance)

    Kung na-repossess at naibenta ang iyong sasakyan, maaaring managot ka sa pagbabayad ng resulta ng pagbawas ng halagang natitira sa iyong loan (pati ang mga singil sa pag-repossess) sa presyo noong ibinenta ito. Ito ay tinatawag na “natitirang balanse” (“deficiency balance”).

    Down payment

    Ang down payment ay ang pauna at agad na ibinabayad mo tungo sa kabuuang halaga ng sasakyan. Ang iyong down payment ay maaaring cash, halaga ng ipinalit na ibang sasakyan, o pareho. Kung mas marami kang ipapang-down, mas kaunti ang kakailanganin mong hiramin. Maaaring makabawas ang mas malaking down payment sa iyong buwanang bayarin at sa kabuuang halaga ng iyong pagpipinansya.

    Pinalawig na warranty o kontrata ng serbisyo sa sasakyan (Extended warranty or vehicle service contract)

    Saklaw ng pinalawig na warranty (extended warranty) o kontrata ng serbisyo sa sasakyan (vehicle service contract) ang mga gastos sa ilang uri ng pagkukumpuni bukod sa o pagkaraang matapos ang warranty ng tagamanupaktura.

    Magbasa nang higit pa (sa Ingles)

    Departamento ng pinansya at insurance (Finance and insurance department)

    Kung bumili ka ng sasakyan sa isang dealership, maaari kang i-refer ng nagbebenta sa isang tao sa F&I (Pinansya at Insurance) o sa opisina ng negosyo. Bahagi ito ng dealership na nagbebenta ng mga loan at mga opsyonal na idadagdag sa mga customer pagtapos nilang sumang-ayon sa pagbili ng sasakyan sa dealership.

    Magbasa nang higit pa (sa Ingles)

    Pagpipinansya sa hindi nagbabagong antas (Fixed-rate financing)

    Ang pagpipinansya sa hindi nagbabagong antas (fixed-rate financing) ay nangangahulugang hindi nagbabago ang antas ng interes sa iyong loan sa kabuuan ng itatagal ng iyong loan. Sa hindi nagbabagong antas, maaari mong makita ang iyong kabayaran para sa bawat buwan at ang kabuuang babayaran mo sa kabuuan ng itatagal ng loan. Maaaring mas naisin mo ang pagpipinansya sa hindi nagbabagong antas kung hinahanap mo ang pagbabayad sa loan na hindi magbabago. Ang pagpipinansya sa hindi nagbabagong antas ay isang uri ng pagpipinansya. Ang isa pang uri ay ang pagpipinansya sa nagbabagong antas.

    Sadyang inilagay na insurance (Force-placed insurance)

    Upang makakuha ng loan para makabili ng sasakyan, kailangan mong magkaroon ng insurance para masaklaw ang mismong sasakyan. Kung hindi ka nakakuha ng insurance o hinayaan mong mag-lapse ang iyong insurance, karaniwang binibigyan ng kontrata ang nagpapautang ng karapatang kumuha ng insurance para masaklaw ang sasakyan. Ang insurance na ito ay tinatawag na “sadyang inilagay na insurance” (“force-placed insurance”).

    Magbasa nang higit pa (sa Ingles)

    Insurance na Ginarantiyahang Proteksyon sa Sasakyan (GAP) (Guaranteed Auto Protection (GAP) insurance)

    Saklaw ng GAP insurance ang resulta ng pagbawas (o puwang) sa pagitan ng halaga ng pagkakautang mo sa iyong loan sa sasakyan at kung ano ang binabayaran ng iyong insurance kung ninakaw, nasira, o lubusang nawasak ang iyong sasakyan. Hindi mo kailangang bilhin ang insurance na ito, ngunit magtingin-tingin kung nagpasya kang gusto mo nito. Ang mga nagpapautang ay maaaring magtakda ng iba't ibang presyo para sa produktong ito.

    Antas ng interes (Interest rate)

    Ang antas ng interes (interest rate) ng loan sa sasakyan ay ang halagang binabayaran mo sa bawat taon para humiram ng perang ipinapakita bilang porsyento. Hindi kasama sa antas ng interes ang mga singil na ipinapataw para sa loan.

    Ang APR at antas ng interes ng loan sa sasakyan ay dalawa sa pinakamahahalagang panukat sa presyong binabayaran mo para sa paghiram ng pera. Inaatasan ng pederal na Truth in Lending Act (TILA, Batas sa Katotohanan sa Pagpapautang) ang mga nagpapautang na partikular na isiwalat sa iyo ang tungkol sa mahahalagang termino, kabilang ang APR, bago ka legal na magkaroon ng obligasyon sa loan. Dahil ang lahat ng nagpapautang ay kailangang magbigay ng APR, maaari mong gamitin ang APR para paghambingin ang mga loan sa sasakyan. Siguraduhin lamang na inihahambing mo ang mga APR sa mga APR at hindi sa mga antas ng interes.

    Termino at itatagal ng loan (Loan term or duration)

    Ito ang haba ng iyong loan sa sasakyan na karaniwang nakatakda sa bawat buwan. Ang maikling termino ng loan (kung saan magbabayad ka buwan-buwan sa mas kaunting buwan) ay babawas sa kabuuang halaga ng iyong loan. Maaaring mabawasan sa mas mahabang loan ang buong buwanang kabayaran, ngunit magbabayad ka ng mas higit pang interes sa kabuuang itatagal ng loan. Ang mas matagal na loan ay naglalagay sa iyo sa panganib na magkaroon ng negatibong equity, kung saan mas malaki ang pagkakautang mo sa sasakyan kaysa sa halaga ng sasakyan.

    Ratio ng loan sa halaga (Loan-to-value ratio)

    Ang ratio ng loan sa halaga (LTV) ay ang kabuuang halaga sa dolyar ng iyong loan na hinati ng aktuwal na halaga sa pera (ACV) ng iyong sasakyan. Karaniwan itong ipinapakita bilang porsyento. Binabawasan ng iyong down payment ang ratio ng loan sa halaga ng iyong loan.

    Magbasa nang higit pa (sa Ingles)

    Arbitrasyong kailangang sumunod sa batas (Mandatory binding arbitration)

    Sa pamamagitan ng paglagda sa kontratang may probisyong arbitrasyong kailangang sumunod sa batas (mandatory binding arbitration), sumasang-ayon kang resolbahin ang anumang mga hindi pagkakasundo tungkol sa kontrata sa harap ng isang arbitrador na nagpapasya sa hindi pagkakasundo sa halip na ang hukom. Maaari ka ring sumang-ayon na ipagpaliban ang iba pang mga karapatan, tulad ng iyong kakayahang iapela ang desisyon o sumali sa isang pagsasampa ng kaso ng grupo (class action suit).

    Magbasa nang higit pa (sa Ingles)

    Mga insentibo ng tagamanupaktura (Manufacturer incentives)

    Ang mga insentibo ng tagamanupaktura ay mga espesyal na deal, tulad ng 0% pagpipinansya o mga cash rebate na maaaring nakita mong inaanunsyo para sa mga bagong sasakyan. Kadalasan, inaalok lamang ang mga ito para sa mga partikular na modelo.

    Retail na Presyong Iminumungkahi ng Tagamanupaktura (MSRP) (Manufacturer Suggested Retail Price (MSRP))

    Ang Retail na Presyong Iminumungkahi ng Tagamanupaktura (MSRP) ay ang presyong iminumungkahi ng tagagawa ng sasakyan – ang tagamanupaktura – na hinihingi ng nagbebenta para sa sasakyan.

    Negatibong equity (Negative equity)

    Kung may pagkakautang ka na higit pa sa kasalukuyan mong loan sa sasakyan kaysa sa halaga nito—na tinatawag na “nakabaligtad” (upside down)—mayroon kang negatibong equity. Sa madaling salita, kung sinubukan mong ibenta ang iyong sasakyan, hindi mo makukuha ang pagkakautang mo rito. Halimbawa, sabihin nating may pagkakautang kang $10,000 sa iyong loan sa sasakyan at ang halaga ng iyong sasakyan ngayon ay $8,000. Ito ay nangangahulugang mayroon kang negatibong equity na $2,000. Kakailanganing bayaran ang negatibong equity na iyon kung gusto mong ipagpalit ang iyong sasakyan at kumuha ng loan sa sasakyan para bumili ng panibago.

    Loan sa sasakyan na walang credit check o “bumili rito, magbayad dito”

    Ang loan sa sasakyan na walang credit check o “bumili rito, magbayad dito” ay inaalok ng mga dealership na karaniwang mga pinansyang loan sa sasakyan sa mismong dealership para sa mga nangungutang na walang credit o may mahinang credit.

    Magbasa nang higit pa (sa Ingles)

    Principal

    Ang principal ay ang perang una mong sinang-ayunang bayaran.

    Karaniwan, anumang ibinayad sa isang loan sa sasakyan ay ilalapat muna sa anumang mga singil na dapat bayaran (halimbawa, mga singil sa nahuling pagbayad). Pagkatapos, ilalapat ang natitirang pera mula sa iyong ibinayad sa anumang interes na dapat bayaran, kabilang ang dapat bayarang dating interes, kung naaangkop. Ang natitira sa iyong kabayaran ay ilalapat sa balanseng prinsipal ng iyong loan.

    Pagpepresyong nakabatay sa panganib (Risk-based pricing)

    Nangyayari ang pagpepresyong nakabatay sa panganib kapag nag-aalok ang mga nagpapautang sa iba't ibang mamimili ng iba't ibang antas ng interes o iba pang mga termino ng loan, batay sa tinantiyang panganib na hindi makakapagbayad sa kanilang mga loan ang mga mamimili.

    Magbasa nang higit pa (sa Ingles)

    Kabuuang gastos (Total cost)

    Ito ang kung magkano ang babayaran mo para mabili ang iyong sasakyan, kabilang ang principal, interes, at anumang down payment o pamalit, sa kabuuang itatagal ng loan.

    Pagsisiwalat na Katotohanan sa Pagpapautang (Truth in Lending disclosure)

    Iniaatas ng pederal na Truth in Lending Act (Batas sa Katotohanan sa Pagpapautang)—o “TILA” sa maikling salita—na tumanggap ang mga nangungutang ng mga nakasulat na pagsisiwalat tungkol sa mahahalagang tuntunin ng credit bago nila bayaran ang loan na alinsunod sa batas. Alamin pa ang tungkol sa impormasyong kasama sa iyong pagsisiwalat na TILA at kung kailan mo ito dapat matanggap o mapag-aralan.

    Pagpipinansya sa nagbabagong antas (Variable-rate financing)

    Ang pagpipinansya sa nagbabagong antas ay kung saan ang antas ng interes sa iyong loan ay maaaring magbago, batay sa pangunahing antas o iba pang antas na tinatawag na “index.” Sa loan na may nagbabagong antas, ang antas ng interes sa loan ay nagbabago sa tuwing nagbabago ang antas ng index, na ibig sabihin, maaari itong tumaas o bumaba. Dahil maaaring tumaas ang iyong antas ng interes, maaari ring tumaas ang binabayaran mo buwan-buwan. Kung mas mahaba ang termino ng loan, maaaring mas mapanganib ang loan na may iba't ibang antas para sa nangungutang, dahil may mas maraming pagkakataon para tumaas ang mga antas. Ang pagpipinansya sa nagbabagong antas ay isang uri ng pagpipinansya. Ang isa pang uri ay ang pagpipinansya sa hindi nagbabagong antas.

    Insurance na Nag-iisang Interes ng Nagbebenta (VSI) (Vendor's Single Interest (VSI) insurance)

    Pinoprotektahan ng VSI insurance ang nagpapautang, ngunit hindi ikaw, sakaling masira o mawasak ang sasakyan.

    Magbasa nang higit pa (sa Ingles)

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    Bank accounts key terms (in Tagalog)
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    Mga pangunahing termino para sa mga account sa bangko

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    Automated Clearing House (ACH)

    Ang awtorisasyong Automated Clearing House (ACH) ay awtorisasyon sa kabayaran na nagbibigay sa nagpapautang ng pahintulot na kunin ang pera sa elektronikong paraan mula sa iyong bangko, credit union, o prepaid card account kapag dapat ka nang magbayad. Maaari mong bawiin ang awtorisasyong ito.

    Awtomatikong debit na pagbabayad (Automatic debit payment)

    Sa mga awtomatikong debit, ibinibigay mo ang iyong pahintulot sa kumpanya na kumuha ng mga kabayaran nang direkta mula sa iyong account sa bangko. Naiiba ito sa feature na nauulit na bill-pay na inihahandog ng iyong bangko. Sa nauulit na bill-pay, binibigyan mo ang iyong bangko o credit union ng pahintulot na magpadala ng mga kabayaran sa kumpanya.

    Sertipiko ng deposito (CD) (Certificate of deposit (CD))

    Ang Sertipiko ng Deposito, o CD, ay isang espesyal na uri ng savings account na hinahandog ng mga bangko at credit union. Karaniwang itinatabi mo ang iyong mga pondo sa CD para sa tinukoy na haba ng panahon upang maiwasan ang mga parusa.

    Magbasa nang higit pa (sa Ingles)

    Rollover ng sertipiko ng deposito (CD) (Certificate of deposit (CD) rollover)

    Maaaring mangyari ang isang rollover o renewal sa katapusan ng termino ng isang CD.

    Magbasa nang higit pa (sa Ingles)

    Demand draft

    Ang demand draft ay nagpapahintulot sa isang taong i-withdraw ang pera mula sa iyong checking account nang wala ang iyong pirma.

    Magbasa nang higit pa (sa Ingles)

    Deposit hold

    Ang haba ng panahong hinahawakan ng bangko o credit union ang mga pondong idineposito mo sa pamamagitan ng tseke ay paminsan-minsang tinutukoy bilang “deposit hold” o “check hold ”. Maaaring gawing available ng ilang bangko o credit union ang mga pondo nang mas mabilis kaysa sa iniaatas ng batas, at ang ilan ay maaaring pabilisin ang pagiging available ng mga pondo na may singil.

    Fiduciary

    Ang fiduciary ay isang taong namamahala ng pera o ari-arian para sa ibang tao. Kapag ikaw ay pinangalanang fiduciary, inaatasan ka ng batas na pamahalaan ang pera at ari-arian ng tao para sa ikapakikinabang niya at hindi mo.

    Guardian of property

    Ang guardian of property ay isang taong pinangalanan ng hukuman para pamahalaan ang pera at ari-arian ng ibang tao na natagpuan ng hukuman na hindi kayang pamahalaan ang sariling pera at ari-arian nang mag-isa.

    Magbasa nang higit pa (sa Ingles)

    Numero ng pagkakakilanlan ng indibidwal na nagbabayad ng buwis (ITIN) (Individual taxpayer identification number (ITIN))

    Ang ITIN ay isang numero ng pagkakakilanlan na nakukuha mo sa Serbisyo ng Rentas Internas (Internal Revenue Service). Makukuha lamang ang ITIN ng ilang hindi residente at residenteng alien, kanilang asawa, at dependent na hindi makakakuha ng Numero ng Social Security.

    Joint account

    Kung gusto mong pahintulutan ang isang kaibigan o miyembro ng pamilya na sumulat ng mga tseke at gumawa ng mga deposito sa ngalan mo, maaari mong isaalang-alang ang pagbukas ng joint account. Karaniwan, ang bawat isang nakapangalan ang joint account ay maaaring sumulat ng tseke, mag-withdraw ng pera, gumawa ng mga transaksyon, maglipat ng mga pondo, o magsara ng account. Kung ang isa sa mga may hawak ng account ay may pagkakautang na pera, maaaring subukan ng creditor na mangolekta mula sa perang nasa joint account sa bangko.

    Money market account

    Ang money market account ay isang espesyal na uri ng account na hinahandog ng mga bangko at credit union.

    Magbasa nang higit pa (sa Ingles)

    Mga singil sa mga hindi sapat na pondo (NSF) (Non-sufficient funds (NSF) fees)

    Ang singil sa NSF o hindi sapat na pondo ay maaaring mangyari kapag hindi nabayaran ang iyong tseke o elektronikong awtorisasyon dahil sa kakulangan ng mga pondo sa iyong account. Karaniwang tinutukoy ito bilang “ibinalik” o “tumalbog” na tseke.

    Overdraft

    Nangyayari ang overdraft kapag wala kang sapat na pera sa iyong account para bayaran ang transaksyon, ngunit binabayaran pa rin ng bangko ang transaksyon sa kabila nito. Maaari kang labis na mag-withdraw sa iyong account sa pamamagitan ng mga tseke, transaksyon sa ATM, mga pagbili gamit ang debit card, awtomatikong pagbayad sa bayarin, at elektroniko o personal na pag-withdraw.

    Maraming bangko at credit union ang naghahandog ng mga programa ng proteksyon sa overdraft kung saan karaniwang binabayaran ng bangko o credit union ang transaksyon at pinapatawan ka ng singil (bukod sa pag-aatas ng pagbayad sa halaga ng overdraft). Maaari ring mabayaran ang mga overdraft sa pamamagitan ng pag-transfer ng mga pondo mula sa naka-link na account, credit card, o line of credit.

    Personal na line of credit (Personal line of credit)

    Ang personal na line of credit ay isang loan na maa-access mo paminsan-minsan. Sumusulat ka ng mga espesyal na tseke o humihiling ng pag-transfer sa iyong checking account sa pamamagitan ng telepono o online.

    Katulad ng account ng credit card, mayroon kang credit limit, tumatanggap ng buwanang bill, gumagawa ng pinakamababang kabayaran, nagbabayad ng interes batay sa natitira mong balanse, at maaaring magbayad ng singil sa bawat pagkakataong ginagamit mo ang account.

    Ang mga personal na line of credit ay hindi ligtas, hindi tulad ng mga Home Equity Line Of Credit (HELOC), na sinusuportahan ng mortgage sa iyong tirahan. Ang mga personal line of credit ay inihahandog ng mga bangko at credit union at karaniwang nag-aatas na magkaroon ka rin ng checking account sa parehong institusyon.

    Power of attorney

    Ang power of attorney (POA) ay isang legal na dokumentong nagpapahintulot sa isang taong kumilos sa ngalan mo. Ang paggawa ng POA ay isang paraan para maghirang ng humahaliling tagagawa ng desisyon; karaniwan ay hindi mamahalin ng halaga nito, bagaman maaaring kakailanganin ang tulong ng isang abogado.

    Maaaring gamitin ang pinansyal na POA bilang kasangkapan sa pagpaplano para sa kawalan ng kapasidad sa hinaharap – ang kawalan ng kakayahang gumawa ng mga pinansyal na desisyon dahil, halimbawa, sa dementia, traumatic brain injury, o iba pang kapansanang nakakaapekto sa paggana ng utak. Kapag ginagamit para sa paunang pagpaplano, karaniwang “durable” ang POA na nangangahulugang patuloy itong magkakaroon ng bisa kahit nawalan na ng kapasidad ang taong gumawa nito. Patuloy na magbasa upang matutunan pa ang tungkol sa power of attorney (POA).

    Representative payee

    Naghihirang ang Pangasiwaan ng Seguridad na Panlipunan (SSA) ng isang indibidwal upang maging representative payee para sa isang taong nangangailangan ng tulong sa pamamahala ng kanyang mga benepisyong kabayaran mula sa Social Security o Karagdagang Kitang Panseguridad (SSI). Mapapamahalaan lamang ng representative payee ang mga benepisyong tsekeng binabayaran ng SSA. Kung ang taong tumatanggap ng mga benepisyo ay may iba pang pera o ari-arian na hindi niya kayang pamahalaan, kailangang magkaroon ang representative payee ng legal na awtoridad mula sa iba pang mapagkukunan upang mapamahalaan ang iba pang mga pondo. Halimbawa, maaari ring hirangin ng hukuman ang representative payee bilang guardian of property. Bilang Social Security representative payee, ikaw ang fiduciary.

    Para sa karagdagang impormasyon tungkol sa mga representative payee, basahin ang gabay na ito tungkol sa pamamahala sa pera ng iba.

    Mababawing living trust (Revocable living trust)

    Ang mababawing living trust ay isang legal na dokumentong nagbibigay sa iyo ng awtoridad na gumawa ng mga desisyon tungkol sa pera o ari-arian ng ibang tao na hinahawakan bilang trust.

    Magbasa nang higit pa (sa Ingles)

    Social Security representative payee

    Ang representative payee ay hinirang ng Pangasiwaan ng Seguridad na Panlipunan (Social Security Administration) para sa isa pang taong nangangailangan ng tulong sa pamamahala ng kanilang mga benepisyong kabayaran mula sa Social Security o Karagdagang Kitang Panseguridad (Supplemental Security Income).

    Magbasa nang higit pa (sa Ingles)

    VA fiduciary

    Ang fiduciary ay isang taong namamahala sa pera o ari-arian para sa ibang tao. Nagtatalaga ang Kagawaran ng mga Gawain para sa mga Beterano (VA) ng mga VA fiduciary upang mapamahalaan ang mga benepisyo ng mga beterano para mga taong hindi kayang pamahalaan nang mag-isa ang mga sariling pondo.

    Magbasa nang higit pa (sa Ingles)

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    Taunang porsyento ng singil (APR) (Annual percentage rate (APR))

    Ang APR, o ang taunang porsyento ng singil, ay ang pamantayang paraan para paghambingin kung magkano ang mga loan. Binibigyan ka nito ng pagkakataong paghambingin ang halaga ng mga produktong magkakatulad. Kailangang isiwalat ng kumpanya ng iyong credit card ang APR bago ka sumang-ayon sa paggamit ng card.

    Para makalkula ang APR, inihahambing ang antas at mga singil ng interes sa halagang hinihiram mo at kinakalkula ito sa loob ng isang taong panahon. Nagbibigay ito sa iyo ng pagkakataong paghambingin ang mga halaga ng credit card sa loan na hinuhulugan ng anim na buwan. Ito rin ang dahilan kung bakit madalas na naiiba ang mga APR sa mga simpleng antas ng interes.

    Balance transfer

    Ang balance transfer ay nagpapahintulot sa iyong ilipat ang natitirang balanse mula sa isang credit card patungo sa iba, na paminsan-minsan ay may singil. Ang singil ay karaniwang ilang porsyento ng halagang tina-transfer mo o hindi nagbabagong halaga, alinman ang mas malaki. Maraming kumpanya ng credit card ang naghahandog ng zero porsyento o mababang interes na mga balance transfer upang imbitahan kang pag-isahin ang iyong utang sa iisang credit card. Ang promosyonal na antas ng interes para sa karamihan sa mga balance transfer ay nagtatagal sa limitadong panahon. Pagkatapos noon, maaaring tumaas ang antas ng interes sa bago mong credit card, na magtataas din sa babayaran mong halaga.

    Kung mahigit 60 araw ka nang nahuhuli sa pagbabayad, maaaring taasan ng kumpanya ng credit card ang antas ng interes sa lahat ng balanse, kabilang ang nai-transfer na balanse.

    Credit balance

    Ang credit balance sa iyong billing statement ay ang halaga ng pagkakautang sa iyo ng nag-isyu ng card.

    Idinadagdag ang mga credit sa iyong account sa bawat pagkakataong nagbabayad ka. Maaari rin itong idagdag kapag may ibinabalik ka na binili mo gamit ang credit card o dahil sa rewards na nakuha mo o pagkakami sa naunang bill. Kung ang kabuuan ng mga credit ay lumampas sa halagang pagkakautang mo, makikita sa statement ang credit balance.

    Magbasa nang higit pa (sa Ingles)

    Pang-araw-araw na pana-panahong antas (Daily periodic rate)

    Kinakalkula ng ilan sa mga nag-iisyu ng card ang interes sa account gamit ang pang-araw-araw na pana-panahong antas ng interes, na ginagamit para kalkulahin ang interes sa pamamagitan ng pag-multiply ng antas sa halagang pagkakautang sa katapusan ng araw. Pagkatapos ay idinadagdag ang halaga ng interes na ito sa balanse ng nakaraang araw, na nangangahulugang ikino-compound ang interes araw-araw.

    Grace period

    Ang grace period ay ang panahon sa pagitan ng katapusan ng billing cycle at ang petsang kailangan mong magbayad. Sa panahong ito, maaari kang hindi mapatawan ng interes hangga't binabayaran mo ang iyong balanse nang buo hanggang sa itinakdang petsang dapat magbayad. Hindi kinakailangang magbigay ang mga kumpanya ng credit card ng grace period. Gayunpaman, karamihan sa mga credit card ay nagbibigay ng grace period sa mga pagbili.

    Magbasa nang higit pa (sa Ingles)

    Antas ng interes (Interest rate)

    Ang antas ng interes ng isang credit card ay ang presyong binabayaran mo sa paghiram ng pera. Para sa mga credit card, karaniwang nakasaad ang mga antas ng interes bilang taunang antas, at ito ay tinatawag na taunang porsyento ng singil (APR). Sa karamihan ng mga card, maiiwasan mo ang pagbabayad ng interes sa mga pinamili kung babayaran mo ang buong balanse sa bawat buwan hanggang sa itinakdang petsang dapat magbayad.

    Ang prescreened na alok na credit card (Prescreened credit card offer)

    Ang prescreened na alok na credit card ay kapag ginagamit ng mga kumpanya ng credit card ang impormasyon mula sa mga kumpanyang nag-uulat ng credit para gumawa ng matatag na alok ng credit sa iyo kung natutugunan ng iyong credit history ang mga pamantayang pinili ng kumpanya ng card.

    Magbasa nang higit pa (sa Ingles)

    Hindi awtorisadong paggamit (Unauthorized use)

    Kawaniwan, ang hindi awtorisadong paggamit ay ang paggamit ng credit card ng isang taong walang karapatang gumamit ng card. Halimbawa, kung nawala ang iyong card at nahanap ito at ginamit ng isang tao, iyon ay magiging hindi awtorisadong paggamit.

    Magbasa nang higit pa (sa Ingles)

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    Credit inquiry

    Ang inquiry ay tumutukoy sa paghiling na tingnan ang iyong credit file, at karaniwan itong napapailalim sa dalawang uri.

    Magbasa pa

    Credit invisible

    Noong 2015, kami ay naglathala ng ulat kung saan natagpuan namin na 26 na milyong Amerikano ay “credit invisible”. Ipinapahiwatig sa numerong ito na isa sa bawat sampung nasa hustong gulang ay walang anumang credit history sa isa sa tatlong kumpanya para sa credit report sa buong bansa. Ang karagdagang 19 na milyong mamimili ay may mga credit file na “hindi mabigyan ng score” na nangangahulugang manipis ang kanilang file at walang sapat na credit history (9.9 milyon) o mayroon silang mga luma nang file at kulang ng anumang credit history kamakailan (9.6 milyon). Sa kabuuan, mayroong 45 milyong mamimili na tinanggihan ng access sa credit dahil wala silang mga credit record na maaaring mabigyan ng score. Ang mga taong credit invisible o hindi mabigyan ng score ay karaniwang walang access sa kalidad na credit at maaaring maharap sa iba't ibang problema, mula sa pagsubok sa kumuha ng credit pati na rin sa pag-lease ng apartment.

    Credit monitoring service

    Ang credit monitoring service ay isang pangkomersyong serbisyong nagpapataw sa iyo ng singil upang masubaybayan ang iyong mga credit report at alertuhan ka sa mga pagbabago sa mga account na nakalista sa iyong credit report.

    Magbasa nang higit pa (sa Ingles)

    Credit report

    Ang credit report ay isang pahayag na may impormasyon tungkol sa aktibidad ng iyong credit at kasalukuyang sitwasyon ng iyong credit tulad ng kasaysayan ng pagbabayad ng loan at katayuan ng iyong mga credit account.

    Kumpanya para sa credit report (Credit reporting company)

    Ang mga kumpanya para sa credit report, na kilala rin bilang mga credit bureau o mga ahensyang nag-uulat tungkol sa mamimili, ay mga kumpanyang lumilikom at nagbebenta ng mga credit report.

    Credit score

    Sa credit score nalalaman kung gaano kasigurong mababayaran mo ang loan sa oras. Ginagamit ng mga kumpanya ang pormulang pangmatematika—na tinatawag na modelo ng pag-score—para lumikha ng iyong credit score mula sa impormasyon sa iyong credit report. Mahalagang malaman na hindi lamang “iisang” credit score ang mayroon ka at mayroong maraming credit score na makukuha mo, pati na rin sa mga nagpapautang. Ang anumang credit score ay nakadepende sa datosa na ginamit para kalkulahin ito, at maaaring magkakaiba depende sa modelo ng pag-score, pinagmulan ng iyong credit history, uri ng produkto ng loan, at maging ang araw kung kailan ito kinalkula.

    Fair Credit Reporting Act

    Itinataguyod ng pederal na Fair Credit Reporting Act (FCRA, Batas sa Patas na Pag-uulat ng Credit) ang kawastuhan, pagiging patas, at pagkapribado ng impormasyon sa mga file ng mga ahensyang nag-uulat tungkol sa mamimili. Mayroong maraming uri ng ahensyang nag-uulat tungkol sa mamimili, kabilang ang mga credit bureau at mga ahensyang may espesyalidad (tulad ng mga ahensyang nagbebenta ng impormasyon tungkol sa mga kasaysayan ng pagsulat ng tseke, medikal na rekord, at rekord ng kasaysayan ng pag-upa). Alamin pa ang tungkol sa iyong mga pangunahing karapatan sa ilalim ng FCRA .

    FICO score

    Ang FICO® score ay isang partikular na tatak ng credit score.

    Magbasa nang higit pa (sa Ingles)

    Fraud alert

    Ang fraud alert ay nag-aatas sa mga creditor na tingnan ang iyong credit report upang gumawa ng mga hakbang upang maberipika ang iyong pagkakakilanlan bago magbukas ng panibagong account, mag-isyu ng karagdagang card, o pataasin ang credit limit sa kasalukuyang account batay sa kahilingan ng mamimili. Kapag nagtakda ka ng fraud alert sa iyong credit report sa isa sa mga kumpanya para sa credit report sa buong bansa, kailangan nitong abisuhan ang iba. May dalawang pangunahing uri ng fraud alert: ang mga paunang fraud alert at mga pinalawig na fraud alert.


    Libreng credit report (Free credit report)

    May karapatan kang humiling ng isang libreng kopya ng iyong credit report kada taon mula sa bawat isa sa tatlong pangunahing kumpanya ng credit report para sa mamimili (Equifax, Experian at TransUnion) sa pamamagitan ng pagbisita sa AnnualCreditReport.com . Kapag bumibisita sa AnnualCreditReport.com , maaari mong tingnan ang mga hakbang na ito para makita ang iyong mga ini-update na credit report nang walang bayad, online. Sa oras na matanggap mo ang iyong taunang libreng credit report, maaari ka pa ring humiling ng mga karagdagang report. Ayon sa batas, ang isang kumpanya ng credit report ay maaaring magpataw ng hindi hihigit sa $14.50 para sa credit report.

    Basahin pa (sa Ingles)


    Pagsubaybay sa pagkakakilanlan o proteksyon sa identity theft (Identity monitoring or identity theft proection)

    Sinusubaybayan ng mga serbisyo sa identity theft ang personal na matutukoy na impormasyon sa mga aplikasyon sa credit, pampublikong rekord, website, at iba pang mga lugar para sa anumang kakaibang aktibidad na maaaring mga palatandaan ng identity theft.

    Magbasa nang higit pa (sa Ingles)

    Identity theft

    Nangyayari ang identity theft kapag may isang taong nagnakaw ng iyong pagkakakilanlan upang manloko. Ang pagnanakaw ng iyong pagkakakilanlan ay maaaring mangahulugang paggamit ng personal na impormasyon nang wala ang iyong pahintulot, tulad ng:

    • Iyong pangalan
    • Numero ng Social Security
    • Numero ng credit card

    Active duty alert sa militar (Military active duty alert)

    Ang mga miyembro ng militar (tulad ng mga miyembro ng Marines, Army, Navy, Air Force, at Coast Guard) ay maaaring humiling ng active duty alert. Kapag nagtakda ka ng active duty alert sa iyong credit report, kailangang gumawa ng mga makatuwirang hakbang ang mga creditor upang matiyak na ikaw talaga ang taong gumagawa ng kahilingan bago magbukas ng account, mag-isyu ng karagdagang credit card sa kasalukuyang account, o pataasin ang credit limit sa kasalukuyan mong account. Ang mga active duty alert ay nagtatagal ng 12 buwan. Aalisin din ang iyong pangalan sa mga listahang pang-marketing bago masiyasat ng mga kumpanya para sa credit report sa buong bansa para sa mga handog na credit at insurance ng dalawang taon.

    Nabayarang koleksyon (Paid collection)

    Ang nabayarang koleksyon ay isang account na napunta sa mga koleksyon dahil dapat itong bayaran at pagkatapos ay nabayaran na.

    Magbasa nang higit pa (sa Ingles)

    Security freeze

    Sa “security freeze” sa iyong credit report, naiiwasang i-access ng mga bagong creditor ang iyong credit file, pati na rin ang pagbukas ng ibang tao ng mga account sa pangalan mo hanggang sa alisin mo ang pagka-freeze nito. Dahil karamihan sa mga negosyo ay hindi magbubukas ng mga credit account nang hindi tinitingnan ang iyong credit report, mapipigilan ng freeze ang mga magnanakaw ng pagkakakilanlan na magbukas ng mga bagong account na nakapangalan sa iyo.

    May espesyalidad na kumpanyang nag-uulat tungkol sa mamimili (Specialty consumer reporting company)

    Ang mga may espesyalidad na kumpanyang nag-uulat tungkol sa mamimili ay nangongolekta at nagbabahagi ng impormasyon tungkol sa kasaysayan ng iyong trabaho, kasaysayan ng transaksyon sa negosyo o kasaysayan ng pagbabayad para sa partikular na produkto o serbisyo.

    Ulat ng pagsasala sa nangungupahan (Tenant screening report)

    Isang ulat na ginagamit ng mga nagpapaupa upang makatulong sa paggawa ng mga desisyon sa mga posibleng mangungupahan. Ang ulat ng pagsasala sa nangungupahan ay maaaring maglaman ng impormasyon mula sa maraming mapagkukunan kabilang ang kasaysayan ng pag-upa at mga credit report.

    Magbasa nang higit pa (sa Ingles)

    Manipis na credit file / Walang credit file (Thin credit file / No credit file)

    Ang manipis na credit file o walang credit file ay nangangahulugan na ang isang indibidwal ay walang credit history o hindi sapat ang kasalukuyang credit history para makabuo ng credit score. Tingnan ang Credit invisible

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    Credit counselor

    Makakatulong ang mga credit counselor sa mga sumusunod:

    • Payuhan ka pagdating sa pamamahala ng iyong pera at mga utang
    • Tulungan kang bumuo ng badyet
    • Kadalasang naghahandog ng mga libreng materyal at workshop na pang-edukasyon
    • Karaniwan, ang mga credit counselor ay sertipikado at sinanay sa mga aspeto ng credit ng mamimili, pamamahala ng pera at utang, at pagbabadyet. Tinatalakay sa iyo ng mga counselor ang kabuuan ng iyong pinansyal na kalagayan, at tinutulungan kang bumuo ng isang personalisadong plano para lutasin ang mga problema mo sa pera. 

    Patakaran sa pagkolekta ng utang (Debt Collection Rule)

    Naglabas ang CFPB ng “mga patakaran” na nagkabisa noong Nobyembre 30, 2021 na naglilinaw at nagbibigay ng interpretasyon sa pederal na Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang).

    Magbasa pa 

    Tagakolekta ng utang (Debt collector)

    Sa ilalim ng pederal na Fair Debt Collection Practices Act (Batas sa mga Patas na Gawain ng pagkolekta ng utang), ang tagakolekta ng utang ay karaniwang isang tao o kumpanyang regular na nangongolekta ng mga utang na pagkakautang sa iba, at madalas ay kapag matagal nang hindi pa nababayaran ang mga utang na iyon.

    Kabilang sa mga tagakolekta ng utang ang mga ahensyang tagakolekta o mga abogadong nangongolekta ng mga utang bilang bahagi ng kanilang negosyo. May mga kumpanya ring bumibili ng mga utang na matagal nang hindi pa nababayaran mula sa mga creditor o ibang mga negosyo at pagkatapos ay sinusubukang kolektahin ang mga ito. Ang mga tagakolekta ng utang na ito ay tinatawag ding mga ahensyang tagakolekta ng utang, kumpanyang tagakolekta ng utang, o tagabili ng utang. 

    Mga serbisyo ng pag-areglo ng utang (relief) (Debt settlement (relief) services)

    Ang mga kumpanyang nag-aareglo ng utang ay mga kumpanyang nagsasabing kaya nilang muling makipagnegosasyon, aregluhin, o baguhin sa ibang paraan ang mga tuntunin sa utang ng isang indibidwal sa creditor o tagakolekta ng utang. Maaaring mapanganib ang makiharap sa mga kumpanyang nag-aareglo ng utang.

    Magbasa nang higit pa (sa Ingles) 

    Fair Debt Collection Practices Act (FDCPA)

    Ang Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang) ay ang pangunahing pederal na batas na namamahala sa mga gawain ng pagkolekta ng utang. Pinagbabawalan ng FDCPA ang mga kumpanyang nangongolekta ng utang na gumamit ng mga mapang-abuso, hindi patas o mapanlinlang na gawain upang kolektahin ang utang mula sa iyo. Magbasa nang higit pa (sa Ingles) para sa impormasyon tungkol sa iyong mga karapatan sa ilalim ng FDCPA. 

    Garnishment

    Nangyayari ang garnishment sa sahod o account sa bangko kapag kinuha ng creditor ang bahagi ng iyong suweldo o pera mula sa account sa iyong bangko para kolektahin ang perang pagkakautang mo. Karaniwang nangangailangan ang mga garnishment ng utos ng hukuman na nagreresulta mula sa isang hatol. Gayunpaman, may mga partikular na pagkakautang sa pamahalaan ang maaari ring magresulta sa garnishment, kahit walang hatol.

    May mga limit at “exemption” ang mga batas ng estado at pederal na batas na naaangkop sa mga garnishment sa account sa bangko at sahod, na karaniwan ay upang matiyak na mayroon kang natitirang panggastos sa buhay. Labag din sa Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang) ang manakot ang tagakolekta ng utang na bawasan ang iyong sahod kung hindi maaaring legal na mabawasan ang iyong sahod. 

    Panghaharas ng tagakolekta ng utang (Harassment by a debt collector)

    Sinasabi sa Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang) na ikaw o ang iba pang kinokontak ay hindi maaaring harasin, maliitin, o abusuhin ng mga tagakolekta ng utang.

    Maaaring may iba't ibang uri ng panghaharas ng tagakolekta ng utang. Kabilang sa mga halimbawa ay ang paulit-ulit na pagtawag na ang layunin ay inisin, abusuhin, o harasin ka o ang sinumang taong sumasagot ng telepono; salitang bastos o mura; banta ng karahasan o pamiminsala; paglalathala ng mga listahan ng mga taong tumatangging bayaran ang kanilang mga utang (hindi kasama rito ang pag-uulat ng impormasyon sa kumpanya para sa credit report); at pagtawag sa iyo nang hindi sinasabi sa iyo kung sino sila. 

    Hatol (Judgment)

    Ang hatol ay ang opisyal na resulta ng pagdemanda sa hukuman. Sa mga pagdemanda para sa pagkolekta ng utang, maaaring igawad ng hukom ang hatol sa creditor o tagakolekta ng utang laban sa iyo. Kung hindi mo sasagutin ang legal na reklamo, mawawalan ka ng pagkakataong ipagtanggol ang iyong sarili at maaaring matagpuan mo na lamang na nagpasok na ng hatol laban sa iyo.

    Kung may nagdemanda sa iyo, o kung may kumuha ng hatol laban sa iyo at hindi ka nakatitiyak sa kung ano ang gagawin, makipag-usap sa isang abogado. Ang ilang abogado ay maaaring maghandog ng mga libreng serbisyo o singil na binawasan ang halaga. Maaaring mayroon ding mga tanggapan para sa legal na tulong o mga legal clinic sa iyong lugar na maghahandog ng mga serbisyo nang libre kung matutugunan mo ang ilang pamantayan. Dapat kumonsulta ang mga servicemember sa kanilang lokal na tanggapan ng JAG . 

    Mensaheng limitado ang nilalaman (Limited-Content Message)

    Sa ilalim ng Patakaran sa Pagkolekta ng Utang, ito ang voicemail na mensahe para sa mamimili na kailangang maglaman ng partikular na kinakailangang impormasyon at maaaring maglaman ng iba pang opsyonal na nilalaman.

    Magbasa nang higit pa (sa Ingles) 

    Orihinal na creditor (Original creditor)

    Sa pangkalahatan, ang orihinal na creditor ay ang kumpanyang nagbigay sa iyo ng loan o credit. Maaaring subukan ng orihinal na creditor na kolektahin ang mismong dati nang dapat bayarang credit, o kaya ay maaari silang kumuha ng tagakolekta ng utang. Maaari ring ibenta ng orihinal na creditor ang iyong credit account sa isang tagakolekta ng utang. Ang tagakolekta ng utang ay karaniwang isang ikatlong partido na partikular na kinontrata para mangolekta sa iyong account, o isang taong bumili nito mula sa orihinal na creditor o iba pang tagakolekta ng utang o tagabili ng utang. 

    Statute of limitations

    Ang statute of limitations ay ang limitadong haba ng panahong mayroon ang mga creditor o nangongolekta ng utang na magdemanda para mabawi ang utang. Karamihan sa mga statute of limitations ay napapailalim sa tatlo hanggang anim na taon bagaman maaaring mapalawig ang mga ito sa ibang jurisdiksyon. Maaaring mag-iba ang mga statute of limitations depende sa mga batas ng estado, uri ng utang na mayroon ka, o batas ng estado na binanggit sa kasunduan ng iyong credit. 

    Validation notice

    Ang nangongolekta ng utang ay kailangang magbigay ng partikular na impormasyon kapag nakikipag-ugnayan ito sa unang pagkakataon sa mamimili, o pagkatapos nito. Kapag ibinigay ng nangongolekta ng utang ang kinakailangang impormasyong ito sa paraang elektroniko o nakasulat, ito ay tinatawag na validation notice.

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    Pananamantala sa pananalapi ng matatanda (Elder financial exploitation)

    Ang pananamantala sa pananalapi ng matatanda ay ang ilegal o hindi tamang paggamit ng mga pondo, ari-arian, o mga asset ng isang matanda. Ito ang pinakakaraniwang uri ng pang-aabuso sa matatanda, ngunit kaunting bahagi lamang ng mga insidente nito ang naiuulat.

    Ang mga may sala ay maaaring mga estrangherong nakuha ang tiwala ng matatanda, ngunit maaari rin silang maging mga kapamilya o kaibigan. Mahalagang malaman ang mga palatandaang babala.

    Magbasa nang higit pa (sa Ingles)

    Tulong sa pagkaremata ng tirahan na scam (Foreclosure relief scam)

    Ang mga scam na tulong sa pagkaremata ng tirahan (foreclosure) at pagbabago sa mortgage loan ay mga pakana para makuha ang iyong pera o iyong bahay—madalas sa pamamagitan ng pagbibigay ng huwad na pangako ng pagliligtas sa iyo sa pagkakaremata ng tirahan. Maaaring harap-harapang humingi ng pera ang mga scammer na ito at sabihing ginagarantiya nila na maaari mong mabago ang mga tuntunin sa iyong mortgage. Kung nahihirapan kang magbayad ng mortgage, maaaring kang gabayan nang libre sa mga opsyon ng ahensyang nagpapayo sa pabahay na inaprubahan ng HUD nang libre.

    Fraud alert para makaiwas (Fraud alert for prevention)

    Ang fraud alert ay isang bagay na magagamit mo upang mabawasan ang posibilidad na maging biktima ng identity theft sa bagong account. Inaatasan nito ang mga creditor na tingnan ang iyong credit report upang gumawa ng mga hakbang upang maberipika ang iyong pagkakakilanlan bago magbukas ng panibagong account, mag-isyu ng karagdagang card, o pataasin ang credit limit sa kasalukuyang account. Kapag nagtakda ka ng fraud alert sa iyong credit report sa isa sa mga pambansang credit report na kumpanya, kailangan nitong abisuhan ang iba.

    May dalawang pangunahing uri ng fraud alert: ang mga paunang fraud alert at mga pinalawig na fraud alert. Ang mga miyembro ng militar ay may karagdagang opsyon—mga active duty alert, na nagbibigay sa mga service member ng proteksyon habang sila ay nasa active duty.

    Magbasa nang higit pa (sa Ingles)

    Panloloko ng mga fiduciary (Fraud by fiduciaries)

    Ang fiduciary ay isang taong namamahala sa pera o ari-arian ng iba. Halimbawa, ang mga ahente sa ilalim ng power of attorney o tagapag-alagang hinirang ng hukuman ay mga fiduciary.

    Kapag ikaw ay pinangalanang fiduciary, inaatasan ka ng batas na pamahalaan ang pera at ari-arian ng tao para sa ikapakikinabang niya at hindi ikaw. Kapag ginagastos ng fiduciary ang pera para sa ikapakikinabang niya, iyon ay maaaring maturing bilang panloloko.

    Identity theft

    Nangyayari ang identity theft kapag may isang taong nagnakaw ng iyong pagkakakilanlan upang gumawa ng panloloko.

    Ang pagnanakaw ng iyong pagkakakilanlan ay maaaring mangahulugang paggamit ng personal na impormasyon nang wala ang iyong pahintulot, tulad ng iyong pangalan, numero ng Social Security, impormasyon ng account sa bangko, o numero ng credit card. Nagbibigay ng impormasyon ang Federal Trade Commission (Pederal na Komisyon sa Kalakal) tungkol sa pag-iwas at pagtugon sa identify theft.

    Mga scam ng impostor (Imposter scams)

    Sinusubukan ng mga impostor na scammer na kumbinsihin kang magpadala ng pera sa pamamagitan ng pagpapanggap na sila ay kakilala o pinagkakatiwalaan mo tulad ng sheriff, empleyado ng lokal na pamahalaan, estado, o pederal na pamahalaan, o organisasyong pangkawanggawa. Tandaan, maaaring peke ang caller ID. Matatawagan mo lagi ang organisasyon o ahensya ng pamahalaan at maitatanong kung nagtatrabaho ang taong iyon sa kanila bago magbigay ng anumang pera.

    Panloloko sa sulat (Mail fraud)

    Ang mga sulat na nanloloko ay mukhang tunay ngunit huwad ang mga pangako. Ang karaniwang palatandaang babala ay isang sulat na humihiling sa iyong magpadala na ngayon ng pera o personal na impormasyon upang makakuha ka ng isang bagay na may halaga pagkatapos mong magpadala ng pera o impormasyon.

    Phishing

    Sa phishing, nagpapanggap ang scammer na isang negosyo o tao para linlangin ka at ibigay mo ang iyong personal na impormasyon tulad ng mga password, mga numero ng credit card, o impormasyon ng account sa bangko. Maaaring gumamit ang scammer ng mga mapanlokong email, text, o website para nakawin ang impormasyong ito mula sa iyo. Maaaring mukhang tunay ang mga email na ito.

    Security freeze para makaiwas (Security freeze for prevention)

    Ang security freeze ay pumipigil sa mga bagong creditor na i-access ang iyong credit file at ang iba pa para magbukas ng mga account na nangangailangan ng credit check sa pangalan mo, hanggang sa alisin mo ang pagka-freeze nito.

    Dahil karamihan sa mga negosyo ay hindi magbubukas ng mga credit account nang hindi tinitingnan ang iyong credit report, mapipigilan ng freeze ang mga magnanakaw ng pagkakakilanlan na magbukas ng mga bagong account na nakapangalan sa iyo. Tandaan na hindi mapipigilan ng freeze ang mga magnanakaw ng pagkakakilanlan sa pagnanakaw ng mga umiiran nang account.

    Magbasa nang higit pa (sa Ingles)

    Spoofing

    Nangyayari ang spoofing kapag itinatago ng tumatawag ang impormasyon na ipinapakita sa iyong caller ID. Nagbibigay ito sa tumatawag ng kakayahang ikubli o “i-spoof” ang pangalan at/o numerong upang makita na tila tumatawag sila bilang sa isang partikular na tao mula sa isang espesipikong lokasyon.

    Panlolokong wire o money transfer (Wire or money transfer fraud)

    Lilinlangin ka ng ilang scammer para mag-wire o mag-transfer ka ng pera para nakawan ka. Isang karaniwang halimbawa ng panlolokong wire transfer ay ang “grandparent scam”. Ito ay kapag ang scammer na nagpapanggap bilang apo o kaibigan ng apo ay tatawag at sasabihing nasa ibang bansa o napahamak sila, at kailangang agad na ma-wire o mapadalhan ng pera.

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    Ang pinakamahalagang bagay na magagawa mo kapag nahihirapan kang bayaran ang iyong mortgage ay magkaroon ng kontrol. Sa karamihan sa mga kaso, ang pinakamasamang bagay ay ang walang gawin. Ang pagkakaroon ng kontrol ay nangangahulugang paggawa ng apat na hakbang:

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    1. Tumawag o tumanggap ng tawag para sa tulong

    Magkaroon ng kontrol sa pamamagitan ng pagtanggap ng mga tawag mula sa iyong mortgage servicer. Ang mas mabuti pa, tawagan agad ang iyong service mortgager sa oras na malaman mong hindi mo magagawa ang iyong buwanang pagbabayad. Ang numero ng telepono ay nasa iyong buwanang bill. Ipaalam sa iyong servicer kung bakit hindi mo magagawa ang iyong buwanang pagbabayad at humingi sa servicer ng tulong para maiwasan ang foreclosure.

    2. Humingi ng libreng tulong ng eksperto

    Maaaring makatulong ang iyong servicer kung nahihirapan ka sa pagbabayad mo ng loan. Kung hindi mo makuha ang kailangan mo mula sa iyong servicer, humingi ng ekspertong tulong mula sa mga ahensya ng pagpapayo sa pabahay na malapit sa iyo. Puwedeng bumuo ang mga tagapayo ng naaangkop na plano ng aksyon at tulungan ka sa pakikipagtulungan sa kumpanya ng iyong mortgage. Bumisita sa consumerfinance.gov/mortgagehelp o tumawag sa (800) 569-4287 at ilagay ang iyong Zip code, para maghanap ng tagapayo sa pabahay na inaprubahan ng HUD.

    3. Labanan ang scam

    Maaaring subukan ng mga manloloko na samantalahin ang mga nahihirapang may-ari ng tirahan sa pamamagitan ng paniningil ng malaking halaga— kahit libu-libong dolyar—para sa mga huwad na pangako ng tulong. Hindi mo dapat bayaran ang kahit na sino para matulungan kang maiwasan ang foreclosure. Maaaring makuha mo ang kinakailangan mong tulong nang walang bayad mula sa iyong servicer, o sa pamamagitan ng ahensya ng pagpapayo sa pabahay na inaprubahan ng HUD.

    4. Mag-apply para sa tulong

    Kailangang makipag-ugnayan sa iyo ang iyong loan servicer, bigyan ka ng wastong impormasyon, at sabihin sa iyo ang mga opsyon ng mitigasyon sa pagkawala na maaaring karapat-dapat ka. Ang mitigasyon sa pagkawala ay tumutukoy sa mga paraan na puwedeng makipagtulungan sa iyo ang iyong servicer upang maiwasan ang foreclosure. Kung magpapadala ka ng kumpletong aplikasyon sa iyong mortgage servicer nang maaga, kailangang ipaalam sa iyo ng iyong mortgage servicer ang mga opsyon na mayroon ka upang mapanatili ang iyong tirahan, o kung mas makatuwiran, lisanin ang iyon tirahan.

    May maraming karanasan ang mga tagapayo sa pabahay sa pagtulong sa mga taong pagsumikapan ang pag-iwas sa foreclosure. Maaari ka nilang tulungan sa mga kumplikadong hakbang para maiwasan ang iyong mga opsyon at mag-apply para sa tulong.

    Hindi makakagawa ng unang abiso o pagpa-file para sa foreclosure maliban na lang kung ikaw ay mahigit 120 araw nang hindi nakakapagbayad. Bukod dito, kapag nagsumite ka ng kumpletong aplikasyon para sa tulong sa mortgage nang maaga, hindi makakapagsimula ang mortgage servicer ng foreclosure habang pinag-aaralan ang kaso mo o kung sinusunod mo ang mga kinakailangan sa pagbabago ng loan. Kaya gawin ito, at huwag magpaantala. Kung mas maaga mong makukumpleto ang aplikasyon, mas marami kang makukuhang proteksyon.

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    Paano malalaman ang scam sa foreclosure

    Maaaring sabihin sa iyo ng mga scammer sa foreclosure na ililigtas nila ang tirahan mo sa foreclosure, gayong kukunin lang nila ang pera mo.

    Tingnan ang mga palatandaang babala ng mga scam na ito:

    • Sinabihan kang magbayad agad para sa tulong.
    • Ginagarantiya ng kumpanya na mapapabago nila ang mga tuntunin ng iyong mortgage.
    • Ginagarantiya ng kumpanya na hindi mo mawawala ang tirahan mo.
    • Sinasabihan kang ibigay sa iba ang titulo ng iyong tirahan o lagdaan ang iba pang mga dokumentong hindi mo nauunawaan.
    • Binibilinan kang ipadala ang iyong pagbabayad sa isang taong bukod sa kumpanya ng iyong mortgage o servicer.
    • Naghahandog ang kumpanya ng “porensikong pag-o-audit.”
    • Sinabihan kang itigil ang pagbabayad mo ng mortgage.
    • Sinasabi ng kumpanyang kaakibat sila ng gobyerno, o gumagamit ng logo na katulad ang hitsura ng sagisag ng gobyerno ngunit may kaunting pagkakaiba.
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    Magsumite ng reklamo tungkol sa produkto o serbisyong pampananalapi

    Sa bawat linggo, nagpapadala kami ng mahigit 10,000 reklamo tungkol sa mga pinansyal na produkto at serbisyo sa mga kumpanya para kanilang sagutin. Kung mas makakatulong ang ibang ahensya, ipapadala namin ito sa kanila at ipapaalam namin sa iyo. Sumasagot ang karamihan sa mga kumpanya sa loob ng 15 araw.

    • Online (sa Ingles)
    • O sa pamamagitan ng telepono sa (855) 411-2372 para sa tulong sa Tagalog, at 180 iba pang wika. Karaniwang sinasagot ang tawag nang wala pang 1 minuto. Isasalin ang iyong reklamo sa Ingles at ipapadala sa kumpanya para kanilang sagutin. Kapag sumagot ang kumpanya, karaniwang gagawin nila ito sa Ingles, ngunit maaari kang tumawag sa amin para marinig ang isinaling sagot.
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    5/1 adjustable rate mortgage

    Ang 5/1 adjustable rate mortgage (ARM) o 5-taong ARM ay isang mortgage loan kung saan “5” ang bilang ng taon na mananatiling hindi magbabago ang iyong unang antas ng interes. Ang “1” ay kumakatawan sa kung gaano kadalas mag-a-adjust ang iyong antas ng interes sa pagkatapos ng unang limang taon. Ang pinakakaraniwang panahong hindi nagbabago ang 3, 5, 7, at 10 taon at ang “1,” ay ang pinakakaraniwang panahon ng adjustment. Mahalagang basahin nang mabuti ang kontrata at magtannong kung pinag-iisipan mo ang ARM.

    Alamin pa ang tungkol sa kung paano nagbabago ang mga adjustable rate. 



    Patakaran na kakayahang magbayad (Ability-to-repay rule)

    Ang patakaran na kakayahang magbayad ay ang pagpapasyang makatwiran at may mabuting layunin na iniaatas sa mga nagpapautang na gawin na kaya mong bayaran ang loan.

    Magbasa nang higit pa (sa Ingles)



    Adjustable rate mortgage (ARM)

    Ang adjustable rate mortgage (ARM, maaayos na antas sa utang sa bahay) ay isang uri ng loan na kung saan maaaring magbado ang antas ng interes, na karaniwang kaugnay ng naka-indiseng antas ng interes. Tataas o bababa ang iyong buwanang kabayaran depende sa panimulang panahon, mga limit sa antas, at naka-indiseng antas ng interes ng loan. Sa ARM, ang antas ng interes at buwanang kabayaran ay maaaring magsimula nang mas mababa kaysa sa hindi nagbabagong antas ng mortgage, ngunit ang parehong antas ng interes at buwanang kabayaran ay maaaring labis na tumaas.

    Alamin pa ang tungkol sa kung paano gumagana ang mga ARM at kung ano ang isasaalang-alang. 



    Amortisasyon (Amortization)

    Ang amortisasyon ay nangangahulugang pagbayad ng loan sa pamamagitan ng mga regular na pagbabayad sa loob ng ilang panahon, nang sa gayon ay mabawasan ang halagang pagkakautang mo sa bawat pagbabayad. Karamihan sa mga loan ay naka-amortize, ngunit may ilang mortgage loan na hindi ganap na naka-amortize, na ang ibig sabihin ay may pagkakautang ka pa ring pera pagkatapos ng lahat ng iyong pagbabayad.

    Ang ilan sa mga loan sa tirahan ay nagpapahintulot ng mga pagbayad para sagutin lamang ang halaga ng interes na dapat bayaran, o halagang mas mababa sa interes na dapat bayaran. Kung mas mababa ang mga kabayaran kaysa sa interes na dapat bayaran sa bawat buwan, lalaki ang balanse ng mortgage sa halip na bababa. Ang tawag dito ay negatibong amortisasyon. Ang ibang mga programa ng loan na hindi ganap na naka-amortize sa panahon ng loan ay maaaring mangailangan ng malaking kabuuang halaga ng “balloon” na kabayaran sa katapusan ng termino ng loan. Siguraduhing alam mo kung anong uri ng loan ang kinukuha mo.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Napinansyang halaga (Amount financed)

    Ito ang halaga ng perang hinihiram mo mula sa nagpapautang, kung saan ibabawas ang karamihan sa mga harapang singil na ipinapataw sa iyo ng nagpapautang.

    Magbasa nang higit pa (sa Ingles) 



    Taunang kita (Annual income)

    Ang taunang kita ay ang salik sa aplikasyon para sa mortgage loan at karaniwang tumutukoy sa kabuuang kinita mo, bago ikaltas ang buwis sa loob ng isang taon. Maaaring kasama sa taunang kita ang kita mula sa full-time o part-time na trabaho, sariling kabuhayan, mga tip, mga komisyon, overtime, mga bonus, o iba pang mga mapagkukunan. Gagamitin ng nagpapautang ang impormasyon tungkol sa taunan mong kita at sa mga kasalukuyan mong buwanang utang upang mapagpasyahan kung mayroon kang kakayahang bayaran ang loan.

    Aasa man ang nagpapautang sa partikular na pinagmumulan ng kita o halaga kapag isinasaalang-alang ka para sa loan ay kadalasang magdedepende sa kung maaasahang tuloy-tuloy ang iyong kita.

    Alamin pa ang tungkol sa kung bakit mahalaga sa mga nagpapautang ang iyong kakayahang magbayad. 



    Taunang porsyento ng singil (APR) (Annual Percentage Rate (APR))

    Ang taunang porsyento ng singil (APR) ay ang mas malawak na sukatan ng gastos sa paghiram ng pera kaysa sa antas ng interes. Sumasalamin ang APR sa antas ng interes, anumang mga puntos, mga singil ng mortgage broker, at iba pang mga singil na babayaran mo para makakuha ng loan. Dahil doon, kadalasang mas mataas ang APR kaysa sa iyong antas ng interes.

    Alamin kung paano paghahambingin ang mga APR 



    Singil sa appraisal (Appraisal fee)

    Ang singil sa appraisal ay ang gastos sa appraisal ng bahay na pinaplano mong bilhin o pag-aari mo na. Ang mga appraisal sa tirahan ay nagbibigay ng independiyenteng pagtatasa ng halaga ng ari-arian. Sa karamihan sa mga kaso, ang pagpili ng appraiser at anumang kaugnay na gastos ay pagpapasyahan ng nagpapautang.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Awtomatikong pagbabayad (Automatic payment)

    Ang mga awtomatikong pagbabayad ay nagpapahintulot sa iyong magtakda ng nauulit na mga pagbabayad na mortgage sa pamamagitan ng iyong bangko. Ang mga awtomatikong pagbabayad ay maaaring isang kumbinyenteng paraan upang matiyak na nagbabayad ka sa oras 



    Balloon loan

    Para sa mga mortgage, ang balloon loan ay nangangahulugan na ang may isang pagbabayad ng loan na mas malaki kaysa karaniwan; karaniwan itong nasa huling bahagi ng termino ng loan. Ang isang beses na pagbabayad na ito ay tinatawag na balloon payment, at mas mataas ito kaysa sa iba mo pang mga pagbabayad, at paminsan-minsan ay higit na mataas. Kung hindi mo mababayaran ang balloon na halaga, maaaring kailanganin mong mag-refinance, ibenta ang iyong tirahan, o maharap sa pagkaremata (foreclosure).

    Alamin kung bakit maaaring mapanganib ang mga balloon loan. 



    Pagbayad kada dalawang linggo (Bi-weekly payment)

    Sa isang plano ng pagbayad kada dalawang linggo, kinokolekta ng mortgage servicer ang kalahati ng iyong buwanang kabayaran kada dalawang linggo, na magreresulta sa 26 na kabayaran sa loob ng isang taon (na may kabuuang isa pang dagdag na bayad kada taon). Sa pagbibigay ng mga karagdagang kabayaran at paglalapat ng iyong mga kabayaran sa principal, maaari mong mabayaran nang buo nang maaga ang iyong loan. Bago piliin ang pagbayad kada dalawang linggo, tiyakin na pinag-aralan mo ang mga tuntunin sa iyong loan para malaman kung sasailalim ka sa multa ng prepayment penalty (multa sa maagang pagbabayad nang buo) kung gagawin mo ito. Alamin kung magpapataw ang iyong servicer ng anumang mga singil para sa plano ng pagbayad kada dalawang linggo. Maaari mong maisakatuparan ang parehong mithiin nang walang singil sa pamamagitan ng dagdag na buwanang bayad sa mortgage kada taon. 



    Closing disclosure

    Ang closing disclosure ay ang kinakailangang limang-pahinang form na nagbibigay ng mga panghuling detalye ungkol sa mortgage loan na pinili mo. Kabilang dito ang mga tuntunin ng loan, ang inaasahan mong mga buwanang kabayaran, at kung magkano ang mga babayaran mong singil at iba pang mga gastos para makuha ang iyong mortgage.

    Alamin kung paano masusuri na ang lahat ng detalye tungkol sa iyong loan ay tama sa iyong closing disclosure. 



    Construction loan

    Ang construction loan ay karaniwang isang pangmaikling panahong loan na nagbibigay ng mga pondo para sagutin ang gastos sa pagpapatayo o pagbibigay ng rehabilitasyon sa tirahan.

    Magbasa nang higit pa (sa Ingles) 



    Conventional loan

    Ang conventional loan ay anumang mortgage loan na hindi naka-insure o ginagarantiyahan ng pamahalaan (tulad ng sa ilalim ng mga programa ng loan ng Federal Housing Administration [FHA, Pederal na Pangasiwaan sa Pabahay], Department of Veterans Affairs [VA, Kagawaran para sa mga Kapakanan ng mga Beterano], o Department of Agriculture [Kagawaran ng Agrikultura]).

    Alamin pa ang tungkol sa mga conventional loan at iba pang mga uri ng loan. 



    Co-signer o co-borrower

    Ang co-signer o co-borrower ay isang taong sumang-ayon na akuin ang buong responsibilidad na bayaran ang mortgage loan kasama ka. Obligado ang taong ito na bayaran ang anumang hindi pagbabayad at maging ang buong halaga ng loan kung hindi ka magbabayad. Kinikilala ng ilang programa ng mortgage ang co-signer bilang isang taong hindi nakapangalan sa titulo at walang anumang interes na pagmamay-ari sa naka-mortgage na tirahan. Ang pagkakaroon ng co-signer o co-borrower sa iyong mortgage loan ay nagbibigay sa nagpapautang sa iyo ng dagdag na katiyakan na mababayaran ang loan. Ngunit manganganib ang rekord ng credit at pananalapi ng co-signer o co-borrower kung hindi mo babayaran ang loan.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Credit history

    Ang credit history ay ang rekord ng iyong mga credit account at ang iyong kasaysayan ng pagbabayad sa oras gaya ng ipinapakita sa iyong credit report. Ang mga kumpanyang nag-uulat tungkol sa mamimili, na kilala rin bilang mga kumpanya para sa credit report, ay nangongolekta at nag-a-update ng impormasyon tungkol sa rekord ng iyong credit at ibinibigay ito sa ibang mga negosyo, na gumagamit nito para gumawa ng mga desisyon tungkol sa iyo. May impormasyon ang mga credit report tungkol sa aktibidad ng iyong credit at kasalukuyang sitwasyon ng iyong credit tulad ng iyong kasaysayan ng pagbabayad ng loan at katayuan ng iyong mga credit account.

    Alamin pa ang tungkol sa pagtingiin ng iyong credit history bago bumili ng tirahan. 



    Credit report

    Ang credit report ay isang pahayag na may impormasyon tungkol sa aktibidad ng iyong credit at kasalukuyang sitwasyon ng iyong credit tulad ng kasaysayan ng pagbabayad ng loan at katayuan ng iyong mga credit account. Ginagamit ng mga nagpapautang ang iyong mga credit score at ang impormasyon sa iyong credit report upang mapagpasyahan kung kuwalipikado ka para sa loan at kung anong antas ng interes ang iaalok sa iyo.

    Alamin pa kung paano makakuha ng kopya ng iyong mga credit report. 



    Credit score

    Sa credit score nalalaman kung gaano kasigurong mababayaran mo ang loan sa oras. Ginagamit ng mga kumpanya ang pormulang pangmatematika—na tinatawag na modelo ng pag-score—para lumikha ng iyong credit score mula sa impormasyon sa iyong credit report. May iba't ibang modelo ng pag-score, kaya hindi lamang iisang score ang mayroon ka. Nakadepende ang iyong credit score sa iyong credit history, sa uri ng produkto ng loan, at maging sa araw kung kailan ito kinalkula.

    Alamin kung saan mo makukuha ang iyong credit score. 



    Ratio ng utang (Debt ratio)

    Ang iyong ratio sa pagitan ng utang at kita ay lahat ng iyong buwanang binabayarang utang na hinati ng iyong buwanang kita na hindi pa kinakaltasan ng buwis. Ang bilang na ito ay isang paraan ng pagsukat ng mga nagpapautang sa iyong kakayahang pamahalaan ang mga buwanang kabayaran upang mabayaran ang perang pinaplano mong hiramin.

    Alamin kung paano kalkulahin ang iyong ratio sa pagitan ng utang at kita. 



    Deed-in-lieu ng foreclosure (Deed-in-lieu of foreclosure)

    Ang deed-in-lieu ng foreclosure ay ang kasunduan kung saan boluntaryo mong ipinapasa ang pagmamay-ari ng iyong tirahan sa nagpapautang upang maiwasan ang proseso ng foreclosure. Maaaring makatulong sa iyo ang deed-in-lieu ng foreclosure na maiwasang managutan sa anumang halagang natitira sa mortgage. Kung nakatira ka sa isang estado kung saan responsable ka sa anumang kakulangan, na resulta ng pagbawas ng halagang pagkakautang mo pa rin sa iyong mortgage loan mula sa halaga ng iyong ari-arian, kakailanganin mong hilingin sa nagpapautang sa iyo na i-waive ang kakulangan. Kung nai-waive ng nagpapautang ang kakulangan, kunin ang waiver na ito sa paraang nakasulat at itabi para sa iyong mga rekord. Ang deed-in-lieu ng foreclosure ay isang uri ng mitigasyon sa pagkalugi. 



    Delingkuwente (Delinquent)

    Ang pagiging delingkuwente ay isa pang termino para sa pagiging huli sa iyong mga pagbabayad. Maaaring maging delingkuwente ang iyong loan kapag hindi ka nakapagbayad o hindi ka nakapagbayad nang buo hanggang sa itinakdang petsa ng pagbabayad. Pagkatapos mong maging delingkuwente sa partikular na haba ng panahon, maaaring simulan ng nagpapautang o servicer ang proseso ng foreclosure. Ang haba ng panahon ay maaaring mag-iba depende sa estado.

    Maaari ring maangkop ang mga pederal na panuntunan sa kung kailan maaaring magsimula ang foreclosure. Alamin pa ang tungkol sa iyong mga opsyon kung hindi mo mababayaran ang iyong mortgage.



    Demand feature

    Ang closing disclosure ay may pahayag na nababasa bilang “May demand feature ang iyong loan”, kung saan nilagyan ng tsek ang “oo” o “hindi.” Sa demand feature, pinahihintulutan ang nagpapautang na mag-atas ng maagang pagbabayad sa loan.

    Magbasa nang higit pa (sa Ingles) 



    Down payment

    Ang downpayment ay ang halagang babayaran mo para sa tirahan nang harapan. Maglalagak ka ng porsyento ng halaga ng tirahan bilang pang-down at hihiramin ang natitirang halaga sa pamamagitan ng iyong mortgage loan. Karaniwan, kung mas malaki ang iyong down payment, mas mababa ang antas ng interes na matatanggap mo at mas malamang na maaprubahan ka sa loan.

    Alamin pa ang tungkol sa pagpapasya ng iyong down payment. 



    Mga programa o gawad para sa down payment (Down payment programs or grants)

    Ang gawad o programa para sa down payment ay karaniwang tumutukoy sa tulong na ibinibigay ng isang organisasyon tulad ng ahensya ng pamahalaan o non-profit, sa isang bumibili ng tirahan upang tulungan sila sa down payment para sa pagbili ng tirahan. Maaaring ibigay ang mga pondo bilang talagang gawad o maaaring kailanganing mabayaran, tulad ng kapag naibenta ang tirahan.

    Unawain kung saan ka makakakuha ng impormasyon tungkol sa mga programa at gawad para sa down payment. 



    Earnest money

    Ang earnest money ay ang depositong ibinabayad ng bumibili ng tirahan upang maipakita ang tapat na hangarin sa pagpirma ng kasunduan sa kontrata para bumili ng tirahan. Hinahawakan ng nagbebenta o ng ikatlong partido ang deposito tulad ng ahente ng real estate o title company. Kung naisapinal o “nai-close” na ang pagbebenta ng tirahan, maaaring ilapat ang earnest money sa mga gastos sa pag-close o sa down payment. Kung mawawakasan ang kontrata para sa mapapahintulutang dahilan, ibabalik ang earnest money sa bumibili ng tirahan. Kung hindi gumanap nang may tapat na hangarin ang bumibili ng tirahan, hindi ibabalik ang earnest money at ibabayad ito sa nagbebenta.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Equity

    Ang equity ay ang kasalukuyang halaga ng iyong ari-arian na binawasan ng halaga ng kasalukuyang mortgage mo rito.

    Alamin kung ano ang loan sa equity ng tirahan. 



    Escrow

    Itinatakda ang escrow account ng nagpapautang sa iyo ng mortgage upang bayaran ang ilang gastusing nauugnay sa ari-arian, tulad ng mga buwis sa ari-arian at insurance ng may-ari ng tirahan. Ang bahagi ng iyong buwanang kabayaran ay mapupunta sa account. Kung walang escrow account ang iyong mortgage, direkta mong babayaran ang mga gastusing nauugnay sa ari-arian

    Alamin pa ang tungkol sa kung paano maaapektuhan ng escrow ang iyong buwanang kabayaran sa mortgage. 



    Fannie Mae

    Binibili at ginagarantiya ng Pederal na Pambansang Asosasyon para sa Mortgage (Fannie Mae) ang mga mortgage mula sa mga institusyong nagpapautang bilang pagsusumikap upang madagdagan ang abot-kayang pagpapautang. Ang Fannie Mae ay hindi isang pederal na ahensya. Ito ay isang kumpanyang inisponsor ng pamahalaan sa ilalim ng pangangasiwa ng Federal Housing Finance Agency (FHFA, Pederal na Ahensya ng Pagpipinansya sa Pabahay).

    Alamin pa ang tungkol sa mga conventional loan. 



    Singil sa pagpopondo ng FHA (FHA funding fee)

    Ang Federal Housing Administration (FHA, Pederal na Pangasiwaan sa Pabahay) ay nag-aatas ng singil sa pagpopondo ng FHA at buwanang premium sa insurance (MIP) para sa karamihan sa mga programa para sa tirahan na pang-isahang pamilya. Ang harapang premium para sa insurance sa mortgage na ito ay paminsan-minsang tinatawag na harapang premium para sa insurance sa mortgage (UFMIP).

    Alamin kung tama para sa iyo ang FHA na mortgage. 



    FHA loan

    Ang mga FHA loan ay mga loan na mula sa mga pribadong nagpapautang na pinamamahalaan at naka-insure sa Federal Housing Administration (FHA, Pederal na Pangasiwaan sa Pabahay). Naiiba ang mga FHA loan sa mga conventional loan dahil nagpapahintulot ito ng mas mabababang credit score at down payment na kasing-baba ng 3.5 na porsyento ng kabuuang halaga ng loan. Iba-iba ang maximum na halaga ng loan ayon sa county.

    Alamin ang tungkol dito at ang iba pang mortgage loan. 



    Mga limit sa FHA mortgage (FHA mortgage limits)

    Ang mga limit sa FHA mortgage ay mga limit sa halaga ng dolyar para sa mga kuwalipikadong mortgage na mai-insure ng FHA bilang bahagi ng programa nito para sa tirahan na pang-isahang pamilya. Ang mga limit na ito ay nakabatay sa lokasyon at maaaring mabago ang mga ito kada taon.

    Gamitin ang tool ng FHA upang saliksikin ang mga limit sa loan sa iyong county . 



    Finance charge

    Ang finance charge ay ang kabuuang halaga ng mga singil sa interes at loan na babayaran mo sa kabuuang buhay ng mortgage loan.

    Magbasa nang higit pa (sa Ingles) 



    Mga programa ng loan para sa mga bibili ng tirahan sa kauna-unahang pagkakataon (FTHB) (First-time home buyers (FTHB) loan programs)

    Maaaring gumamit ang mga bibili ng tirahan sa kauna-unahang pagkakataon (FTHB) ang iba't ibang uri ng programa ng loan para bumili ng kanilang unang tirahan. Kabilang sa mga FTHB loan ang inihahandog ng FHA, VA, USDA, Fannie Mae, at Freddie Mac na may mabababang down payment. Ang ilang programa ay inilalarawan ang FTHB bilang isang taong hindi bumili ng tirahan sa loob ng tatlong taon o higit pa.

    Unawain ang iyong mga opsyon sa loan. 



    Mortgage sa hindi nagbabagong antas (Fixed-rate mortgage)

    Ang mortgage sa hindi nagbabagong antas ay isang uri ng loan na kung saan itinakda ang antas ng interes sa kung saan kukuha ka ng loan at hindi ito magbabago sa panahon ng termino ng loan.

    Alamin pa ang tungkol sa kung paano gumagana ang mga mortgage sa hindi nagbabagong antas at kung ano ang isasaalang-alang. 



    Forbearance

    Ang forbearance ay kapat pinahihintulutan ka ng iyong servicer na pansamantalang bayaran ang iyong mortgage sa mas mababang antas o pansamantalang patigilin ang pagbabayad mo sa iyong mortgage. Maaari kang gawaran ng iyong servicer ng forbearance kung, halimbawa, ay nawalan ka ng trabaho kamakailan, nasalanta ka ng sakuna, o kagagaling mo lang sa sakit o pinsala na nakadagdag sa iyong mga gastusin para sa pangangalagang pangkalusugan. Ang forbearance ay isang uri ng mitigasyon sa pagkalugi.

    Alamin pa ang tungkol sa mortgage forbearance

    Depende sa uri ng loan na mayroon ka, maaaring may iba't ibang opsyon para sa forbearance. Kailangan mong kontakin ang iyong loan servicer para humiling ng forbearance. Tandaan, kakailanganin mong bayaran ang hindi nabayaran o nabawasang kabayaran kapag natapos na ang panahon ng forbearance.



    Sadyang inilagay na insurance (Force-placed insurance)

    Maaaring mag-atas ang iyong servicer ng sadyang inilagay na insurance kapag wala kang sarili mong polisa ng insurance o kung hindi natutugunan ng sarili mong polisa ang mga iniaatas ng iyong servicer. Karaniwang pinoprotektahan lamang ng sadyang inilagay na insurance ang nagpapautang, at hindi ikaw. Sisingilin ka ng servicer para sa insurance. Ang sadyang inilagay na insurance ay karaniwang mas mahal kaysa pag maghanap ka mismo ng polisa ng insurance. 



    Foreclosure

    Ang foreclosure ay kapag binawi ng nagpapautang o servicer ang ari-arian pagkatapos hindi makapagbayad ng mortgage ang may-ari ng tirahan. Sa ilang estado, kailangang pumunta sa hukuman ang nagpapautang para i-foreclose ang iyong ari-arian (panghukumang foreclosure), ngunit ang ilang estado ay hindi nangangailangan ng proseso sa hukuman (hindi pang-hukumang foreclosure). Karaniwan, kailangang maabisuhan ang mga humihiram kung sisimulan ng nagpapautang o servicer ang proseso ng foreclosure. Maaaring maangkop ang mga pederal na panuntunan sa kung kailan maaaring magsimula ang foreclosure.

    Kung nag-aalala ka tungkol sa foreclosure, alamin kung paano makakahingi ng tulong.



    Freddie Mac

    Ang Pederal na Korporasyon para sa Mortgage Loan sa Tirahan (Freddie Mac) ay isang pribadong korporasyon na itinatag ng Kongreso. Misyon nito ang itaguyod ang katatagan at pagiging abot-kaya sa merkado ng pabahay sa pamamagitan ng pagbili ng mga mortgage mula sa mga bangko at iba pang mga gumagawa ng loan. Ang korporasyon ay kasalukuyang nasa ilalim ng pangangasiwa ng Federal Housing Finance Agency (FHFA, Pederal na Ahensya ng Pagpipinansya sa Pabahay).

    Alamin pa ang tungkol sa mga conventional loan. 



    Good faith estimate

    Ang Good faith estimate (GFE) ay isang form na kailangang ibigay sa iyo ng nagpapautang kapag nag-apply ka para sa isang reverse mortgage. Nililista sa GFE ang pangunahing impormasyon tungkol sa mga tuntunin ng alok na reverse mortgage.

    Alamin kung kailan ka tatanggap ng good faith estimate. 



    Mga singil sa pagtatala ng pamahalaan (Government recording charges)

    Ang mga singil sa pagtatala ng pamahalaan ay mga singil na sinusuri ng mga ahensya ng estado at lokal na pamahalaan para sa legal na pagtatala ng iyong deed, mortgage at mga dokumentong nauugnay sa loan ng iyong tirahan.

    Magbasa nang higit pa (sa Ingles) 



    Mas mataas na halagang mortgage loan (Higher-priced mortgage loan)

    Sa pangkalahatan, ang mas mataas na halagang mortgage loan ay isang bagay na may taunang porsyento ng singil, o APR, na mas mataas kaysa sa pamantasang antas na tinatawag na Average Prime Offer Rate.

    Magbasa nang higit pa (sa Ingles) 



    Mga dapat bayaran sa HOA (HOA dues)

    Kung interesado ka sa pagbili ng condo, co-op o bahay sa isang nakaplanong subdivision o iba pang organisadong komunidad na may magkakasamang ginagamit na serbisyo, madalas na kailangang mong bayaran ang mga singil ng condo o mga dapat bayaran sa Homeowners' Association (HOA, Samahan ng mga May-ari ng Tirahan). Lubos na nagkakaiba-iba ang mga singil na ito. Kadalasang hiwalay sa mga singil ng condo o HOA ang iyong mga buwanang pagbabayad sa mortgage. Kung hindi mo babayaran ang mga singil na ito, maaari kang maharap sa pangongolekta ng utang ng homeowner's association o maging foreclosure.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Appraisal sa tirahan (Home appraisal)

    Ang appraisal ay isang nakasulat na dokumentong nagpapakita ng opinyon sa kung magkano ang halaga ng isang ari-arian. Ang appraisal ay nagbibigay sa iyo ng magagamit na impormasyon tungkol sa ari-arian. Inilalarawan nito ang kung ano ang nagbibigay ng halaga rito at maaaring ipakita kung paano ito maihahambing sa ibang mga ari-arian sa kapitbahayan. Ang appraisal ay nagbibigay ng independiyenteng pagtatasa ng halaga ng ari-arian

    Alamin pa ang tungkol sa kung bakit mahalaga ang mga appraisal. 



    Line of credit sa equity ng tirahan (HELOC) (Home equity line of credit (HELOC))

    Ang line of credit sa equity ng tirahan (HELOC) ay line of credit na nagpapahintulot sa iyong humiram sa equity ng iyong tirahan. Ang equity ay ang kasalukuyang halaga ng iyong ari-arian, na binawasan ng halaga ng mortgage mo rito. Hindi katulad ng loan sa equity ng tirahan, ang mga HELOC ay kadalasang may mga maa-adjust na antas ng interes. Para sa karamihan sa mga HELOC, tatanggap ka ng mga espesyal na tseke o credit card, at makakahiram ka ng pera para sa tinukoy na panahon mula sa kung kailan mo binuksan ang iyong account. Ang panahong ito ay tinatawag na “draw period.” Sa panahon ng “draw period,” maaari kang humiram ng pera, at kailangan mong gumawa ng mga minimum na pagbabayad. Kapag natapos na ang “draw period,” hindi ka na makakahiram ng pera mula sa iyong line of credit. Pagkatapos ng “draw period” maaaring kailanganin mong bayaran nang buo nang isang beses ang iyong balanse o maaari kang mapahintulutang magbayad sa partikular na haba ng panahon. Kung hindi mo mababayaran ang HELOC, maaaring i-foreclose ng nagpapautang ang iyong tirahan. 



    Loan sa equity ng tirahan (Home equity loan)

    Ang loan sa equity ng tirahan (na paminsan-minsang tinatawag na HEL) ay nagpapahintulot sa iyong humiram ng pera gamit ang equity ng iyong tirahan bilang kolateral. Ang equity ay ang kasalukuyang halaga ng iyong ari-arian, na binawasan ng halaga ng kasalukuyang mortgage mo rito. Matatanggap mo ang kabuuang halaga ng iyong loan sa equity ng tirahan. Ang loan sa equity ng tirahan ay kadalasang may fixed na antas ng interes – iyong hindi magbabago. Kung hindi mo mababayaran ang HEL, maaaring i-foreclose ng nagpapautang ang iyong tirahan. 



    Inspeksyon sa tirahan (Home inspection)

    Madalas na bahagi ng proseso ng pagbili ng tirahan ang inspeksyon sa tirahan. Karaniwang may karapatan kang kumuha ng inspektor ng tirahan na magsisiyasat sa ari-arian at magtuturo ng mga lakas at kahinaan nito. Madalas na partikular na nakakatulong ito upang masubukan ang mga sistemang estruktural at mekanikal kabilang ang heating, bentilasyon, air conditioning, at elektrikal.

    Alamin kung paano mag-iskedyul ng inspeksyon. 



    Homeowners’ association (HOA)

    Ang homeowners’ association (HOA, Samahan ng mga May-ari ng Tirahan), ay karaniwang binubuo upang pamahalaan ang mga magkakasamang gastusin tulad ng landscaping at iba pang mga gastos sa pagpapanatili ng isang planadong subdivision o iba pang organisadong komunidad. Mas maraming responsibilidad ang inaako ng mga HOA sa condominium kabilang halimbawa ang, pagpapanatili ng mga driveway, magkakasamang ginagamit na estruktura, at bubong.

    Kumuha pa ng karagdagang impormasyon tungkol sa kung paano maaaring makita ang mga HOA sa iyong mortgage statement. 



    Homeowner's insurance

    Binabayaran ng homeowner’s insurance ang mga pagkawala at pagkasira sa ari-arian kung may nangyaring hindi inaasahan, tulad ng sunog o panloloob. Kapag may mortgage ka, gustong matiyak ng nagpapautang sa iyo na protektado ng insurance ang iyong ari-arian. Kung kaya karaniwang nag-aatas ang mga nagpapautang ng katibayang mayroon kang homeowner's insurance. Ang homeowner’s insurance ay hindi katulad ng mortgage insurance.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Presyo sa pagbili ng tirahan (Home purchase price)

    Ang presyo sa pagbili ng tirahan ay ang halagang pinagkasunduan ng bumibili at nagbebenta na ibabayad sa nagbebenta para mabili ang tirahan.

    Alamin pa ang tungkol sa paghahanap ng tamang tirahan. 



    HUD

    Ang Department of Housing and Urban Development (HUD, Kagawaran ng Pabahay at Pagpapaunlad sa Kalunsuran) ay isang ahensya ng pamahalaan na tumutulong sa mga taong makakuha at makapagpanatili ng dekalidad at abot-kayang tirahan. Nagsasanay at nag-iisponsor sila ng mga tagapayo sa pabahay sa buong bansa. Ang ahensyang nagpapayo sa pabahay na inaprubahan ng HUD ay maaaring magbigay sa iyo ng pagpapayo sa pagbili ng tirahan upang matulungan kang maunawaan at suriin ang iyong mga opsyon.

    Maghanap ng ahensyang nagpapayo sa pabahay na inaprubahan ng HUD. 



    HUD-1 settlement statement

    Nakalista sa HUD-1 Settlement Statement ang lahat ng singil at credit sa bumibili at sa nagbebenta sa isang kasunduan sa real estate, o lahat ng singil sa pag-refinance ng mortgage. Tatanggap ka ng HUD-1 kung nag-apply ka para sa reverse mortgage o kung nag-apply ka para sa mortgage sa o bago sumapit ang Oktubre 3, 2015.

    Alamin kung kailan ka tatanggap ng HUD-1 



    Index

    Ang index ay ang pamantayang antas ng interes na sumasalamin sa mga pangkalahatang kondisyon sa merkado. Nagbabago ang index batay sa merkado. Sa mga pagbabago sa index, kasama ang margin sa iyong loan, napagpapasyahan ang mga pagbabago sa antas ng interes para sa adjustable-rate mortgage loan.

    Unawain kung paano nagiging salik ang index sa antas ng interes para sa adjustable-rate mortgage loan. 



    Unang limit sa adjustment (Initial adjustment cap)

    Ang unang limit sa adjustment ay karaniwang nauugnay sa mga adjustable rate mortgage (mga ARM). Napagpapasyahan sa limit na ito kung gaano maaaring tumaas ang antas ng interes sa unang pagkakataon na mag-a-adjust ito pagkatapos mapasok ang panahong may hindi nagbabagong antas. Karaniwan sa limit na ito ang dalawa o limang porsyento – ibig sabihin, sa unang pagbabago ng antas, ang bagong antas ay hindi maaaring mahigit sa dalawa (o limang) puntos ng porsyento na mas mataas kaysa sa unang antas sa panahong may hindi nagbabagong antas.

    Unawain kung paano nagiging salik ang index sa mga adjustable-rate mortgage loan. 



    Unang deposito sa escrow (Initial escrow deposit)

    Ang unang deposito sa escrow ay ang halagang babayaran mo sa closing para masimulan ang iyong escrow account, kung iniaatas ng nagpapautang sa iyo.

    Magbasa nang higit pa (sa Ingles) 



    Loan na interes lamang (Interest-only loan)

    Ang mortgage na interes lamang ay loan na may naka-iskedyul na pagbabayad kung saan kailangan mong bayaran lamang ang interes para sa itinakdang haba ng panahon.

    Magbasa nang higit pa (sa Ingles) 



    Antas ng interes (Interest rate)

    Ang antas ng interes sa mortgage loan ay ang halagang binabayaran mo sa bawat taon para humiram ng perang ipinapakita bilang antas ng porsyento. Hindi ito sumasalamin sa mga singil o anumang iba pang mga pataw na maaaring kailangan mong bayaran para sa loan. Halimbawa, kung ang mortgage loan ay $100,000 sa antas ng interes na 4 na porsyento, sumang-ayon ang mamimili na iyon na magbayad ng $4,000 sa bawat taon na siya ay humihiram o may pagkakautang na buong halagang iyon.

    Tuklasin ang mga antas ng interes sa iyong lugar. 



    Limit sa antas ng interes (Interest rate cap)

    Ang limit sa antas ng interes, na karaniwang tinatawag na annual cap (taunang limit), at ang pinakamataas na pagtaas ng antas ng interes na maaaring mangyari kada taon para sa adjustable rate mortgage (ARM) kahit na tumaas nang mas higit pa ang iyong antas sa ilalim ng mga antas ng interes sa merkado. Halimbawa, kung dalawang porsyento ang limit na ito, ang bagong antas ay hindi maaaring mas mahigit sa dalawang puntos ng porsyento na mas mataas kaysa sa nakaraang antas.

    Unawain kung paano ginagamit ng mga nagpapautang ang index at margin para i-adjust ang iyong antas ng interes. 



    Jumbo loan

    Sa bawat taon, ang Fannie Mae, Freddie Mac, at ang nagpapatakbo sa mga ito na Federal Housing Finance Agency (FHFA, Pederal na Ahensya ng Pagpipinansya sa Pabahay), ay nagtatakda ng pinakamataas na halaga para sa mga loan na bibilhin nila mula sa mga nagpapautang.

    Magbasa nang higit pa (sa Ingles) 



    Lender's title insurance

    Pinoprotektahan ng lender's title insurance ang nagpapautang sa iyo laban sa mga problema sa titulo ng iyong ari-arian-tulad ng sa isang taong may legal na paghahabol sa tirahan. Pinoprotektahan lamang ng lender's title insurance ang nagpapautang laban sa mga problema sa titulo. Upang maprotektahan ang iyong sarili, maaaring kailanganin mong bumili ng owner's title insurance.

    Magbasa nang higit pa (sa Ingles) 



    Panghabang-buhay na limit sa adjustment (Lifetime adjustment cap)

    Ang panghabang-buhay na limit sa adjustment ay karaniwang ginagamit sa mga adjustable rate mortgage (mga ARM). Sa limit na ito napagpapasyahan kung gaano kalaking antas ng interes ang maaaring itaas sa kabuuan, sa loob ng buhay ng loan. Halimbawa, kung limang porsyento ang limit na ito, iyon ay nangangahulugang hindi kailanman magiging limang puntos ng porsyento na mas mataas ang antas kaysa sa unang antas. Ang ilang nagpapautang ay maaaring may naiiba o mas mataas na limit.

    Unawain kung paano nagiging salik ang index sa mga adjustable-rate mortgage loan. 



    Loan assumption

    Nangyayari ang loan assumption kapag ipagpapatuloy ng bumibili ang pagbabayad sa mortgage ng nagbebenta sa oras na bilhin nila ang tirahan ng nagbebenta. Babayaran ng bumibili ang natitirang pagkakautang na balanse sa mortgage ng nagbebenta, sa ilalim ng mga orihinal na tuntunin ng loan—halimbawa, ang antas ng interes at ang natitirang haba ng panahon ng mortgage. Maaaring makatuwiran ang loan assumption kapag ang mga bagong mortgage ay inaalok sa mas matataas na antas ng interes kaysa sa noong orihinal na kinuha ng nagbebenta ang kanilang mortgage.

    Ang natirang halaga sa pagitan ng presyo ng pagbebenta ng tirahan at balanse sa ini-assume na loan ay katumbas ng halaga na kailangang bayaran ng bumibili na mula sa bulsa o sa pamamagitan ng pagkuha ng sarili nilang mortgage loan.

    Upang ipagpatuloy ang pagbabayad sa mortgage, kailangan ng bumibili ng tirahan na maging kuwalipikado sa loan assumption. Ang pagiging kuwalipikado ay kadalasang batay sa pagrerepaso ng credit at kita ng bumibili, na katulad ng pagiging kuwalipikado sa bagong mortgage.

    Maaaring naaangkop din ang loan assumption kapag tumatanggap ka ng titulo sa ari-ariang may mortgage – halimbawa, pagkatapos ng kamatayan o diborsyo.





    Loan deferment

    Ang mga humihiram na nahihirapang bayaran ang mortgage ay karaniwang may karapatang humingi ng tulong sa mortgage servicer. Maaaring sumang-ayon ang servicer sa loan deferment, na nagpapahintulot sa humihiram na maiwasan ang foreclosure sa pamamagitan ng pagpapaliban sa pagbabayad ng mga dapat nang bayarang mortgage. Ang na-defer na halaga ay nakatakdang bayaran kapag ire-refinance o ibebenta ng humihiram ang tirahan, o kung nagtapos na ang mortgage sa iba pang paraan.



    Tantiya ng loan (Loan estimate)

    Ang tantiya ng loan ay tatlong-pahinang form na matatanggap mo pagkatapos mag-apply para sa mortgage.

    Magbasa nang higit pa (sa Ingles) 



    Pagbabago sa loan (Loan modification)

    Ang pagbabago sa mortgage loan ay ang pagbabago sa mga termino ng iyong loan. Ang pagbabago ay isang uri ng mitigasyon sa pagkalugi. Maaaring mabawasan sa pagbabagong ito ang buwanang kabayaran mo sa halagang kaya mong bayaran. Maaaring nakapaloob sa mga pagbabago ang pagpapalawig ng bilang ng taon na kailangan mong bayaran ang loan, pagbawas sa antas ng iyong interes, at/o pagbibigay ng forbearance o pagbawas sa balanse ng iyong prinsipal. Kung nag-alok sa iyo ng pagbabago sa loan, siguraduhing alam mo kung paano nito babaguhin ang buwanang babayaran mo at ang kabuuang halaga na magiging pagkakautang mo sa maikling panahon at sa pangmatagalang panahon.

    Alamin pa ang tungkol sa pagbabago sa mortgage loan



    Ratio ng loan sa halaga (Loan-to-value ratio)

    Ang ratio ng loan sa halaga (LTV) ay ang sukatan sa paghahambing ng halaga ng iyong mortgage sa nai-appraise na halaga ng ari-arian. Mas mababa ang iyong LTV ratio kung mas mataas ang iyong down payment. Maaaring gamitin ng mga nagpapahiram ng mortgage ang LTV sa pagpapasya kung pauutangin ka at pagpapasyahan kung mangangailangan sila ng pribadong mortgage insurance.

    Alamin kung paano nauugnay ang ratio ng loan sa halaga sa mga gastos mo. 


    Mitigasyon sa pagkalugi (Loss mitigation)

    Ang mitigasyon sa pagkalugi ay tumutukoy sa mga hakbang na ginagawa ng mga mortgage servicer upang makipagtulungan sa humihiram ng mortgage upang maiwasan ang foreclosure. Ang mitigasyon sa pagkalugi ay tumutukoy sa responsibilidad ng servicer na bawasan o “hindi palalain” ang pagkalugi ng namuhunan na maaaring magmula sa foreclosure. May ilang opsyon sa mitigasyon sa pagkalugi na maaaring makatulong sa iyong manatili sa iyong tirahan. Ang ilang opsyon ay maaaring makatulong sa iyong umalis ng iyong tirahan nang hindi na dumadaan pa sa foreclosure. Maaaring kasama sa mga opsyon ng mitigasyon sa pagkalugi ang deed-in-lieu ng foreclosure, forbearance, repayment plan, short sale, o pagbabago sa loan.

    Kung nahihirapan kang bayaran ang iyong mortgage, o kung inalukan ka at pinag-iisipan mo ang iba't ibang opsyon ng mitigasyon sa pagkalugi, makipag-ugnayan sa ahensya ng pagpapayo na inaprubahan ng Department of Housing and Urban Development (HUD, Kagawaran ng Pabahay at Pagpapaunlad sa Kalunsuran).

    Maaari mong gamitin ang tool ng CFPB “Find a Counselor” (Maghanap ng Tagapayo) para makuha ang listahan ng mga ahensyang nagpapayo sa iyong lugar na inaprubahan ng HUD. Maaari mo ring tawagan ang HOPE™ Hotline, na bukas ng 24 na oras sa isang araw, pitong araw sa isang linggo, sa (888) 995-HOPE (4673).



    Margin

    Ang margin ay ang bilang ng puntos ng porsyento na idinadagdag sa index ng nagpapautang ng mortgage para itakda ang iyong antas ng interes sa adjustable-rate mortgage (ARM) kapag natapos na ang unang panahon ng antas. Nakatakda ang margin sa kasunduan sa iyong loan at hindi magbabago pagkatapos ng closing. Ang halaga ng margin ay depende sa partikular na nagpapautang at loan.

    Unawain kung paano nagiging salik ang margin sa adjustable-rate mortgage loan. 



    Mga buwanang gastos (Monthly expenses)

    Ito ang kung magkano ang gagastusin mo kada buwan. Maaaring kasama rito ang, ngunit hindi limitado sa, mga nauulit na obligasyon tulad na kabayaran sa upa o mortgage, mga utilidad, kabayaran sa sasakyan, kabayaran sa suporta sa bata, at kabayaran sa insurance, pati na rin ang mga pangangailangang tulad ng pagkain. Karamihan sa mga obligasyong ito ay magkakaroon ng hindi nagbabagong itinakdang petsa ng pagbabayad.

    Suriin ang iyong buwanang paggasta gamit ang tracker sa paggasta na ito. 



    Mortgage

    Ang mortgage ay ang kasunduan sa pagitan mo at sa nagpapautang na nagpapahintulot sa iyong humiram ng pera para bilhin o i-refinance ang tirahan at nagbibigay sa nagpapautang ng karapatang kunin ang iyong ari-arian kung hindi mo mababayaran ang perang hiniram mo.

    Kung kumuha ka na ng mortgage, alamin pa ang tungkol sa pagbili ng bahay. 



    Listahan ng gagawin sa mortgage closing (Mortgage closing checklist)

    Ang listahan ng gagawin sa mortgage closing ay listahan ng mga hakbang na maaari mong gamitin para paghandaan at matutunan kung ano ang aasahan. Makakatulong ito sa iyong tukuyin ang mga pangunahing itatanong nang maaga nang sa gayon ay makakapag-close ka nang may kumpiyansa.

    Gamitin ang worksheet na ito para maghanda para sa closing. 



    Mga gastos sa mortgage closing (Mortgage closing costs)

    Ang mga gastos sa mortgage closing ay lahat ng gastos na babayaran mo sa panahon ng closing. Kabilang dito ang mga singil sa origination, singil sa appraisal, gastos sa credit report, singil sa title insurance, at iba pang mga singil na ipinapataw ng nagpapautang sa iyo o binabayaran bilang bahagi ng transaksyon sa mortgage ng real estate. Kailangang magbigay ang mga nagpapautang ng buod ng mga gastos na ito sa Tantiya ng Loan.

    Alamin pa ang tungkol sa kung anong mangyayari sa closing. 



    Mortgage insurance

    Pinoprotektahan ng mortgage insurance ang nagpapautang kung mahuhuli ka sa iyong mga pagbabayad. Karaniwang kailangan ang mortgage insurance kung ang iyong down payment ay mas mababa sa 20 porsyento ng halaga ng ari-arian. Karaniwang kailangan din ang mortgage insurance as mga FHA at USDA loan. Gayunpaman, kung mayroon kang conventional loan at ang iyong down payment ay mas mababa sa 20 porsyento, malamang na magkaroon ka ng Insurance sa Pribadong Mortgage (PMI).

    Unawain kung paano gumagana ang mortgage insurance 



    Pagbabago sa mortgage loan (Mortgage loan modification)

    Ang pagbabago sa mortgage loan ay ang pagbabago sa mga termino ng iyong loan. Ang pagbabago ay isang uri ng mitigasyon sa pagkalugi.

    Magbasa nang higit pa (sa Ingles) 



    Pag-refinance ng mortgage (Mortgage refinance)

    Ang pag-refinance ng mortgage ay kapag kumuha ka ng panibagong loan para mabayaran at mapalitan ang dati mong loan. Ang mga karaniwang dahilan sa pag-refinance ay upang mapababa ang buwanang antas ng interes, mapababa ang kabayaran sa mortgage, at upang humiram ng karagdagang pera. Kapag nagre-refinance ka, karaniwang kailangan mong bayaran ang mga gastos at singil sa closing. Kung nag-refinance ka at nakakuha ng mas mababang buwanang kabayaran, siguraduhing nauunawaan mo kung magkano ang kabawasan mula sa antas ng interes at kung magkano ito dahil magiging mas mahaba ang termino ng iyong loan.


    Termino ng mortgage (Mortgage term)

    Ang termino ng iyong mortgage loan ay kung gaano katagal mo kailangang bayaran ang loan. Para sa karamihan sa mga uri ng tirahan, ang mga termino ng mortgage ay karaniwang nasa 15, 20 o 30 taon.

    Tuklasin ang mga opsyon sa termino ng loan. 



    Origination fee

    Ang origination fee ay ang sinisingil ng nagpapautang sa humihiram sa paggawa ng mortgage loan. Maaaring kasama sa origination fee ang pagpoproseso ng aplikasyon, underwriting at pagpopondo ng loan, at iba pang mga pang-administratibong serbisyo. Karaniwang tataas lamang ang mga origination fee sa mga partikular na pagkakataon.

    Alamin pa ang tungkol sa mga gastos sa mortgage origination. 



    Owner's title insurance

    Ang owner's title insurance ay nagbibigay ng proteksyon sa may-ari ng tirahan kung may nagdemanda at nagsabing may habol sila sa tirahan mula sa bago ito binili ng may-ari ng tirahan.

    Magbasa nang higit pa (sa Ingles) 



    Pagpipinansya ng PACE (Pace financing)

    Ang pagpipinansya ng PACE ay nagbibigay ng paraan para mapondohan ang mga pagpapabuti sa tirahan na makakatipid sa enerhiya.

    Magbasa nang higit pa (sa Ingles) 



    Partial claim

    Ang partial claim ay isang paraan ng paggamit ng mortgage insurance upang matulungan ang nahihirapang may-ari ng tirahan na maiwasan ang foreclosure. Gagawa ng claim ang mortgage servicer laban sa mortgage insurance para sa halaga ng anumang hindi nabayarang mortgage, at magsasantabi ang insurer ng pera sa hiwalay na account. Pagkatapos, kapag ang humihiram ay ire-refinance ng mortgage, ibebenta ang tirahan, o kaya ay wawakasan ang mortgage, ang halaga ng partial claim ay ibabayad sa mortgage servicer. Paminsan-minsan, hindi sakop ng halaga ng partial claim ang buong halaga ng mga hindi nabayaran, at sa mga kasong iyon, kailangang bayaran ng humihiram ang natirang halaga.



    Halaga ng kabayaran (Payoff amount)

    Ang halaga ng iyong kabayaran ay kung magkano ang talagang dapat mong bayaran para matupad ang mga termino ng iyong mortgage loan at mabayaran nang buo ang utang mo. Ang halaga ng iyong kabayaran ay naiiba sa kasalukuyang balanse mo. Ang kasalukuyang balanse mo ay maaaring hindi sumalamin sa kung magkano ang talagang dapat mong bayaran upang ganap na tuparin ang loan. Kabilang din sa halaga ng iyong kabayaran ang kabayaran sa anumang interes na pagkakautang mo hanggang sa araw na nilalayon mong bayaran nang buo ang iyong loan. Maaaring kasama rin sa halaga ng kabayaran ang ibang mga singil na naipon mo at hindi pa nababayaran. 



    Mga PCS order (PCS orders)

    Ang mga active duty servicemember ay maaaring mabigyan ng mga permanent change of station (PCS, permanenteng pagbabago ng istasyon) order. Ang mga PCS order ay ang opisyal na paglipat ng servicemember (at ng sinumang kapamilyang kasama nila sa tirahan) sa ibang lokasyon ng tungkulin. Kung may pag-aaring tirahan ang servicemember, maaari nilang piliing ibenta ito. Kung mas malaki ang pagkakautang ng servicemember sa tirahan kaysa sa halaga ng tirahan, maaari silang mahirapang ibenta ito. Naghahandog ng mga programa ang ilang servicer para pahintulutan ang mga servicemember na ibenta ang kanilang tirahan at hindi na kailangan pang bayaran ang natitirang balanse sa loan. Bisitahin ang mga sanggunian ng servicemember para sa karagdagang impormasyon. 



    PITI

    Ang Principal, Interes, Taxes (Mga Buwis), at Insurance, na kilala bilang PITI, ay ang apat na pangunahing elemento ng buwanang kabayaran sa mortgage.

    Magbasa nang higit pa (sa Ingles) 



    PMI

    Ang Insurance sa Pribadong Mortgage (PMI) ay isang uri ng insurance sa mortgage na kapaki-pakinabang sa nagpapautang. Maaaring kailanganin mong bayaran ang PMI kung ang down payment mo ay mas mababa sa 20 porsyento ng halaga ng ari-arian at mayroon kang conventional loan. Maaari mong makansela ang PMI sa oras na makabuo ka ng partikular na halaga ng equity sa iyong tirahan.

    Unawain pa ang tungkol sa kung kailan kailangan ang PMI 



    Mga paunang binayarang singil na interes (Prepaid interest charges)

    Ang mga paunang binayarang singil na interes ay mga singil na dapat bayaran sa panahon ng closing para sa anumang pang-araw-araw na interes na naipon sa iyong loan sa pagitan ng petsa ng pag-close mo sa iyong mortgage loan at sa panahong sakop ng una mong buwanang kabayaran sa mortgage.

    Magbasa nang higit pa (sa Ingles) 



    Prepayment penalty

    Ang prepayment penalty ay singil na ipinapataw ng ilang nagpapautang kung babayaran mo ang lahat o bahagi ng iyong mortgage nang maaga. Kung mayroon kang prepayment penalty, ang ibig sabihin ay sumang-ayon ka rito noong nai-close mo ang iyong tirahan. Hindi lahat ng mortgage ay may prepayment penalty. 



    Principal

    Ang principal ay ang halaga ng mortgage loan na kailangan mong bayaran. Kasama sa iyong buwanang kabayaran ang bahagi ng principal. Kapag binayaran ang principal, nababawasan ang pagkakautang ng humihiram, at magbabayad ng mas mababang interes batay sa mas bumabang loan.

    Unawain ang pagkakaiba sa pagitan ng antas ng interes at principal. 



    Mga buwis sa ari-arian (Property taxes)

    Ang mga buwis sa ari-arian ay mga buwis na sinisingil ng mga lokal na hurisdiksyon, karaniwan sa antas na pang-county, batay sa halaga ng ari-arian na binubuwisan. Kadalasan, kinokolekta ang mga buwis sa ari-arian sa loob ng buwanang kabayaran sa mortgage ng may-ari ng tirahan, at pagkatapos ay ibinabayad sa nauukol na hurisdiksyon nang isa o maraming beses sa bawat taon. Ang tawag dito ay escrow account. Kung walang escrow account, direktang babayaran ng may-ari ng tirahan ang mga buwis sa ari-arian.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Kuwalipikadong mortgage (Qualified mortgage)

    Ang kuwalipikadong mortgage ay kategorya ng mga loan na may mga partikular at mas matatag na katangian na nakakatulong upang gawin itong mas malamang na kaya mong bayaran ang iyong loan. Magbasa nang higit pa (sa Ingles) 



    Qualified written request (QWR) (Qualified Written Request (QWR))

    Ang Qualified written request (Kuwalipikadong Nakasulat na Kahilingan), o QWR, ay nakasulat na komunikasyon na maaari mong ipadala o ng isang taong kumikilos sa ngalan mo sa iyong mortgage servicer. Sa halip na QWR, maaari mo ring padalhan ang iyong servicer ng Notice of Error (Paunawa ng Pagkakamali) o Request for Information (Kahilingan para sa Impormasyon).

    Magbasa nang higit pa (sa Ingles) 



    Repayment plan

    Ang repayment plan ay naka-estrukturang paraan para mabayaran mo ang mga hindi mo nabayarang mortgage loan sa loob ng partikular na haba ng panahon. Ito ay isang uri ng mitigasyon sa pagkalugi. Kung nahihirapan kang bayaran ang iyong mortgage, maaari kang pahintulutan ng nagpapautang sa iyo o ng iyong servicer na pumasok sa isang repayment plan. Bago pasukin ang repayment plan, siguraduhing nauunawaan mo ang mga iniaatas sa plan at kung makakapagbigay ka ng mga bagong kabayaran. 



    Reverse mortgage

    Ang reverse mortgage ay nagpapahintulot sa mga may-ari ng tirahan na nasa edad na 62 o mas matanda pa na humiram sa kanilang home equity. Tinatawag itong “reverse” (“baligtad”) na mortgage dahil, sa halip na magbayad sa nagpapautang, tumatanggap ka ng pera mula sa nagpapautang. Ang perang natatanggap mo, at ang interes na ipinataw sa loan, ay nagpapataas sa balanse ng loan sa bawat buwan. Karamihan sa mga reverse mortgage ngayon ay tinatawag na mga HECM, maikling salita para sa Home Equity Conversion Mortgage (Mortgage sa Pagpapalit ng Equity ng Tirahan).

    Alamin kung ano ang dapat mong isaalang-alang bago mag-apply para sa reverse mortgage. 



    Right of rescission

    Ang right of rescission ay tumutukoy sa karapatan ng mamimili na kanselahin ang mga partikular na uri ng mga loan. Kung bumibili ka ng tirahan na may mortgage, wala kang karapatang kanselahin ang loan sa oras na mapirmahan ang mga dokumentong pang-closing. Gayunpaman, kung magre-refinance ka ng mortgage, mayroon kang hanggang hatinggabi ng ikatlong araw ng negosyo pagkatapos ng transaksyon na bawiin (kanselahin) ang kontrata ng mortgage. Ang tatlong-araw na panahon ay hindi magsisimula hanggang sa mapirmahan mo ang credit sa kontrata (karaniwang tinatawag na promissory note), natanggap mo ang form ng pagsisiwalat na Katotohanan sa Pagpapautang, at natanggap mo ang dalawang kopya ng paunawang nagpapaliwanag ng iyong karapatang magkansela. 



    Pangalawang mortgage (Second mortgage)

    Ang pangalawang mortgage o junior lien ay loan na kinukuha mo gamit ang iyong tirahan bilang kolateral habang mayroon ka pang isang loan na kinuha sa iyong tirahan.

    Alamin pa ang tungkol sa mga pangalawang mortgage. 



    Security interest

    Security interest ang nagpapahintulot sa nagpapautang na mag-foreclose kung hindi mo babayaran ang perang hiniram mo.

    Magbasa nang higit pa (sa Ingles) 



    Seller financing

    Ang seller financing ay ang loan na ginagawa ng nagbebenta sa iyong tirahan para sa iyo.

    Magbasa nang higit pa (sa Ingles) 



    Servicer

    Ang iyong mortgage servicer ay ang kumpanyang nagpapadala sa iyo ng iyong mga mortgage statement. Pinangangasiwaan din ng iyong servicer ang mga pang-araw-araw na takdang gawain ng pamamahala sa iyong loan.

    Ang iyong loan servicer ang karaniwang nagpoproseso ng iyong mga kabayaran sa loan, sumasagot sa mga tanong ng humihiram, sumusubaybay sa binayarang principal at interes, at namamahala sa iyong escrow account (kung mayroon ka nito). Maaaring simulan ng loan servicer ang foreclosure sa ilalim ng mga partikular na kalagayan. Ang iyong servicer ay maaari o maaaring hindi ang parehong kumpanyang unang nagbigay sa iyo ng iyong loan. 



    Shared appreciation mortgage

    Sa ilalim ng shared appreciation mortgage, sumasang-ayon ka na bigyan ang nagpapautang sa iyo ng bahagi ng anumang pagtaas sa halaga ng iyong tirahan.

    Magbasa nang higit pa (sa Ingles) 



    Short sale

    Ang short sale ay ang pagbebenta ng iyong tirahan sa mas mababang halaga kumpara sa kung magkano ang pagkakautang mo sa mortgage. Ang short sale ay isang alternatibo sa foreclosure, ngunit dahil isa itong pagbebenta, kakailanganin mong umalis ng iyong tirahan. Kung sumang-ayon ang nagpapautang sa iyo o ang iyong servicer sa short sale, maaari mong ibenta ang iyong tirahan para mabayaran ang mortgage, kahit na ang presyo sa pagbebenta o ang mga kita ay naging mas mababa kaysa sa natitirang balanse ng iyong mortgage. Ang short sale ay isang uri ng mitigasyon sa pagkalugi. Kung nakatira ka sa isang estado kung saan responsable ka sa anumang kakulangan, na siyang resulta ng pagbawas ng halagang pagkakautang mo pa rin sa iyong mortgage loan mula sa halaga ng iyong ari-arian, kakailanganin mong hilingin sa nagpapautang sa iyo na i-waive ang kakulangan. Kung nai-waive ng nagpapautang ang kakulangan, kunin ang waiver na ito sa paraang nakasulat at itabi para sa iyong mga rekord. 



    Subprime mortgage

    Kapag ginagamit ng mga nagpapautang ang terminong ito, karaniwan ang ibig sabihin nila ay programa ng loan para sa mga humihiram na hindi kuwalipikado sa prime loan, na kadalasang may mas mataas na antas ng interes.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Survey

    Ang survey ay ang pagkakaguhit sa iyong ari-arian na nagpapakita ng lokasyon ng lote, bahay at iba pang mga estruktura, pati na rin ang anumang mga pagpapabuti sa ari-arian.

    Magbasa nang higit pa (sa Ingles)





    Mga title service fee (Title service fees)

    Ang mga title service fee ay bahagi ng mga gastos sa closing na binabayaran mo kapag kumukuha ng mortgage. Kapag bumili ka ng tirahan, makakatanggap ka ng isang dokumentong madalas na tinatawag na isang deed, na nagpapakita na inilipat sa iyo ng nagbebenta ang kanilang legal na karapatan sa pagmamay-ari, o “title” (“titulo”) sa bahay. Ang mga title service fee ay mga gastos na nauugnay sa pag-iisyu ng title insurance policy (polisa ng seguro sa titulo) para sa nagpapautang.

    Magbasa nang higit pa (sa Ingles) 



    Kabuuang porsyento ng interes (TIP) (Total interest percentage (TIP))

    Ang Kabuuang Porsyento ng Interes (TIP) ay pagsisiwalat na nagsasabi sa iyo kung magkanong interes ang babayaran mo sa kabuuang buhay ng iyong mortgage loan.

    Magbasa nang higit pa (sa Ingles) 



    Kabuuan ng mga kabayaran (Total of payments)

    Ang bilang na ito ang nagsasabi sa iyo ng kabuuang halaga ng perang mababayaran mo sa loob ng buhay ng iyong mortgage.

    Magbasa nang higit pa (sa Ingles) 



    TRID

    Ang “TRID” ay isang akronima na ginagamit ng ilang indibidwal na tumutukoy sa patakarang TILA RESPA Integrated Disclosure (Pinagsamang Pagsisiwalat).

    Magbasa nang higit pa (sa Ingles) 



    USDA loan

    Ang Rural Housing Service (Serbisyo ng Pabahay sa Lalawigan), na bahagi ng U.S. Department of Agriculture (USDA, Kagawaran ng Agrikultura ng U.S.) ay naghahadog ng mga programa ng mortgage na walang down payment at karaniwang may mga paborableng antas ng interes sa mga bumibili ng tirahan sa mga lalawigan na tumutugon sa mga iniaatas ng USDA pagdating sa pagiging karapat-dapat sa kita.

    Alamin pa ang tungkol dito at sa iba pang mga programa ng loan. 



    VA loan

    Ang VA loan ay isang programa ng loan na inihahandog ng Department of Veterans Affairs (VA, Kagawaran para sa mga Kapakanan ng mga Beterano) upang tulungan ang mga servicemember, beterano, at karapat-dapat na naulilang asawa na bumili ng tirahan. Hindi gumagawa ng loan ang VA, ngunit nagtatakda ito ng mga patakaran para sa kung sino ang maaaring maging kuwalipikado at ng mga tuntunin sa mortgage. Ginagarantiya ng VA ang bahagi ng loan upang mabawasan ang panganib ng pagkalugi sa nagpapautang. Karaniwang makukuha lamang ang mga loan para sa pangunahing tirahan.

    Kung ikaw ay isang beterano, alamin kung tama para sa iyo ang VA loan.

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    Ihanda ang iyong sitwasyon sa pananalapi bago bumili ng bahay

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    Ipinapangarap ng maraming pamilya na makabili ng bahay, ngunit maaaring hindi mo alam kung saan dapat magsimula o kung kailan handa ka na. Naririto ang ilang mga hakbang upang marating ang landas patungo sa pagiging isang may-ari ng bahay. May isang mas kumpletong pagpapaliwanag, sa Ingles, na matatagpuan sa aming Pagbili ng Bahay na gabay.

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    Ang mga nagpapautang ay nagpapasiya kung kaya mong bayaran ang utang bago sila magpapautang sa iyo ng pera upang makabili ng bahay. Maari nilang tingnan ang mga salik na tulad ng iyong mga kinikita, mga pag-aari, kalagayan sa pagtatrabaho, mga naipon, at ang halaga ng mga buwanang binabayaran mo sa iyong mga kasalukuyang kinauutangan. Maaari din nilang tingnan ang iyong pag-uulat sa kredito (credit report) at marka sa kredito (credit score) upang makita kung binabayaran mo ang iyong mga utang sa tamang panahon.

    Ito ang dahilan kung bakit ang account sa bangko (bank account) ay mahalaga sa pangangasiwa ng iyong pera (sa Ingles)

    Ito ang dahilan kung bakit ang iyong kasaysayan sa kredito (credit history) ay mahalaga at kung papaano mapabubuti ito (sa Ingles)

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    Kinakailangan mong malaman kung magkaano ang kasalukuyang mong ginagastos, upang makapagpasiya ka kung magkaano ang kaya mong bayaran kada buwan para sa isang bagong bahay. Gumawa ng listahan na nagpapakita ng lahat ng pinaggastusan mo sa buwan. Ikumpara ang iyong buwanang ginagastos sa iyong buwanang iniuuwing kinita.

    Magpasiya din kung magkaano ang nais mong itabi bawat buwan bilang pagtitipid, para sa mga pang-emergency na gastusin at iba pang mga layunin.

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    Pagkatapos mong ikumpara ang iyong kinikita sa iyong pinaggagastusan, alamin kung magkaano ang kaya mong gastusin bilang kabuuang pambayad sa bahay. Maaaring kabilang sa mga patuloy na pinaggagastusan ng mga tao kapag nagmamay-ari na sila ng bahay ang mga sumusunod:

    • Ang kabuuang halagang hiniram (principal) at ang mga bayad sa interes sa isang mortgage
    • Insurance sa mortgage
    • Mga buwis sa ari-arian
    • Insurance sa bahay (homeowner's insurance)
    • Karagdagang insurance, tulad ng insurance para sa mga pagkasirang dulot ng baha (flood insurance)
    • Mga bayarin sa asosasyon ng may-ari ng bahay (HOA)
    • Pagmementina at pagkukumpuni ng bahay
    • Mga karaniwang serbisyo sa bahay tulad ng tubig o kuryente (utilities)

    Ang ilan sa mga gastusin, tulad ng buwis at insurance, ay maaring tumaas sa paglipas ng panahon.

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    Binabago ng iyong paunang bayad kung magkaano ang kinakailangan mong bayaran, at kung kailan.

    Ang mas malaking paunang bayad ay mangangailangan ng mas maraming pera sa simula, ngunit ang mga buwanang bayad ay magiging mas mababa at ang iyong utang ay magkakahalagang mas mababa sa kabuuan. Mas kakaunti ang kakailanganin mong utangin, kaya mas kakaunti rin ang halagang kakailanganin mong ibalik bilang kabayaran. Mas maliit din ang babayaran mong interes dahil ang interes na binabayaran mo ay para sa isang mas maliit na balanse ng utang. At kung ang halaga ng iyong paunang bayad ay 20% o higit pa ng presyo ng bahay, karaniwang hindi mo kailangang magbayad ng insurance sa mortgage (sa Ingles). Nakatitipid ito ng pera, lalo na sa mga unang taon ng pagbabayad ng mortgage.

    Sa kabilang panig naman, ang mas malaking paunang bayad ay mangangahulugan na mas kakaunti ang perang matitira sa iyo bilang panggastos para sa mga ibang bagay. Maaaring mangailangan ka ng pera sa pagtatapos ng proseso ng pagkuha ng utang, halimbawa upang mabayaran ang mga bayaring kaugnay sa pagkumpleto ng proseso. At maaaring mangailangan ka ng pera para mabayaran ang mga gastusing kaugnay sa paglipat sa iyong bagong bahay, para sa mga pagpapabuti o pagkukumpuning iyong gagawin, at para mabayaran ang mga bagong bagay na iyong bibilhin upang maging kumportable ang iyong bahay.

    May mga opsiyon para sa mababang paunang bayad na maaaring makuha

    Mayroong maraming mga programa na makakatulong sa iyo para makabili ng isang bahay sa pamamagitan ng isang maliit o walang paunang bayad. Ang mga opsiyon para sa mas mababang paunang bayad ay mangangahulugang mas mataas na mga gastusin sa buong haba ng panahon na kinakailangang bayaran ang utang. Kapag nakipagkita ka sa mga nagpapautang, itanong ang mga bagay na nais mong malaman at hilingin na ipakita nila sa iyo ang magkakaibang mga opsiyon sa pautang.

    Ang iyong paunang bayad ay isa lamang bahagi ng mga kinakailangan mong bayaran sa simula ng proseso

    Kapag pinirmahan mo ang mga dokumento para sa iyong bagong bahay, kinakailangan mong magbayad ng mga bayarin at iba pang mga gastusin upang makuha ang iyong mortgage. Ang mga ito ay tinatawag na mga gastusing kaugnay sa proseso ng pagbili ng bahay, o closing costs. Sa karaniwan, ang mga gastusing kaugnay sa proseso ng pagbili ng bahay ay nagkakahalaga ng 2% hanggang sa 5% ng presyong ibinayad sa pagbili ng bahay (hindi kabilang ang iyong paunang bayad). Gayunpaman, ang iyong aktwal na mga gastusing kaugnay sa proseso ng pagbili ng bahay ay depende sa presyo ng bahay, sa iyong paunang bayad, sa mga ginastos ng nagpapautang, sa uri ng utang, sa uri ng bahay, at sa lokasyon.

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    Humanap ng tulong sa pagbili ng iyong unang bahay

    Marami sa mga estado at lokal na organisasyon ay mayroong mga programa upang matulungan ang mga taong bumibili ng kanilang pinaka-unang bahay sa kanilang paunang bayad at mga gastusing kaugnay sa proseso ng pagbili ng bahay. Upang makahanap ng mga programang malapit sa iyo:

    Maaari ka ring humiling sa isang tagapayo sa pabahay na tulungan ka:

    • Sa pagpapasiya kung kailan ang tamang panahon para bumili ng bahay o kung papaano mo mapabubuti ang iyong kredito (sa Ingles) upang makatanggap ng mas mabuting iniaalok
    • Na matingnang mabuti ang iyong mga opsiyon sa mortgage na pautang o kung ano ang iba pang mga opsiyon na maaaring mayroon ka kung bumuti ang iyong kasaysayan sa kredito.
    • Na mapag-aralan ang iyong mga pag-uulat sa kredito, kinikita, at karagdagang impormasyon sa pananalapi at ipaliwanag sa iyo kung papaano susuriin ng mga nagpapautang ng mortgage ang iyong aplikasyon

    Tuklasin ang mga problema na maaaring magsilbing hadlang sa iyo

    Ipinagbabawal ang diskriminasyon

    Ang mga nagpapautang ay hindi pinapayagan na tanggihan ka ng kredito, sumingil ng mas mataas na mga kabayaran o antas ng interes, maghandog sa iyo ng mga terminong hindi pabor sa iyo, o sikapin na kumbinsihin ka na huwag mag-apply ng utang sa batayan ng:

    • Lahi
    • Kulay
    • Relihiyon
    • Bansang pinagmulan
    • Kasarian (kabilang ang seksuwal na oryentasyon at pagkakakilanlan ng kasarian)
    • Katayuan sa pag-aasawa
    • Edad
    • Kung tumatanggap ng pera mula sa pampublikong tulong
    • Taos-puso at matapat na isinasakatuparan ang iyong mga karapatan sa ilalim ng Batas sa Proteksiyon ng Kredito ng Mamimili

    Kung may mga problema ka sa mortgage, maaari kang magsumite ng reklamo sa online o sa pamamagitan ng pagtawag sa (855) 411-CFPB (2372).

    Ang mga “kontrata para sa dokumento ng pag-aari” (contracts for deed) ay maaaring magresulta sa problema

    Ang isang kontrata para sa dokumento ng pag-aari (na minsan ay tinatawag ding “bono para sa dokumento ng pag-aari,” (bond for deed) “kontrata ng hulugan para sa lupain,” (land installment contract) o “pagbili sa kontrata” (buying on contract)) ay ang pamamaraan ng pagbili ng bahay sa pamamagitan ng plano ng hulugan na pagbabayad imbes na sa pamamagitan ng isang tradisyonal na mortgage na utang. Sa halip na pumunta sa isang nagpapautang ng mortgage para makautang ng pera upang mabayaran ang nagbebenta ng buong presyo ng ari-arian, sumasang-ayon ka na bayaran mismo ang nagbebenta ng buwanang hulugan. Ang titulo sa ari-arian ay mananatili sa nagbebenta hanggang sa nakumpleto na ang kontrata. Ang dokumento ng pag-aari ay kumakatawan sa legal na pag-aari ng bahay.

    Upang maunawaan ang iyong mga karapatan sa isang kontrata para sa dokumento ng pag-aari, mabuting ideya na makipag-usap sa isang abogado. Narito ang mga payo sa paghahanap ng abogado sa iyong estado.

    Sa ilalim ng kontrata para sa dokumento ng pag-aari, kumikilos ka bilang ang may-ari ng ari-arian sa buong haba ng panahon ng kontrata, kahit na ang dokumento ng pag-aari ay hindi pa nasasaiyo. Sa isang karaniwang kontrata para sa dokumento ng pag-aari, ikaw ang magbabayad ng mga buwis sa ari-arian, insurance, mga gastos na kaugnay sa pagkukumpuni, at pagmementina.

    Sa isang tradisyonal na mortgage, kung sakaling naantala ka sa iyong mga pagbabayad, ang nagpapautang ay karaniwang kinakailangang maghintay bago masimulan ang proseso ng pagreremata (foreclosure). Sa isang kontrata para sa dokumento ng pag-aari, maaaring simulan kaagad ng nagbebenta ang proseso ng pagpapalayas (eviction). Maaaring mabilis na mangyari ang pagpapalayas kung:

    • Nalaktawan mo ang isang buwanang pagbabayad
    • Hindi mo kayang bayaran ang isang malaking halagang “balloon payment”, kung kinakailangan itong gawin ayon sa kontrata
    • Hindi mo binayaran ang anumang iba pang mga bayaring nakalaan sa kontrata, tulad ng mga buwis at mga gastos na kaugnay sa pagmementina

    Sa karaniwan, ang lahat ng ibinayad mo sa bahay at ang mga trabahong isinagawa mo doon ay mananatili sa nagbebenta.

    Kahit na naisagawa mo ang lahat ng kabayarang kinakailangan alinsunod sa kontrata, maaari ka pa ring magkaproblema. Maaaring hindi malinaw ang titulo sa bahay na hawak ng nagbebenta. Halimbawa, maaaring may kinauutangan ang nagbebenta (lien), at dahil dito ang pag-aari sa ari-arian ay hindi maaaring mapakawalan hanggang sa hindi pa nababayaran nang buo ang kanyang utang na ito, o kaya mayroon siyang utang sa mortgage sa ari-arian. O kaya minsan ay ayaw ibigay ng nagbebenta ang dokumento ng pag-aari. Minsan ay tinatanggap ng nagbebenta ang perang ibinabayad mo para sa mga buwis at insurance ngunit hindi naman nito talaga binabayaran ang mga ito sa katotohanan, kaya kapag dumating na ang panahon na tunay na pag-aari mo na ang bahay, madidiskubre mo na lamang na mayroon kang maraming mga malalaking bayarin at mga multang kinakailangang bayaran, kasama ng marami pang ibang mga problema.

    Kung mayroon kang problema sa isang kontrata para sa dokumento ng pag-aari, maaari kang magsumite ng reklamo sa online o sa pamamagitan ng pagtawag sa (855) 411-CFPB (2372).

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    Shopping for a mortgage (in Tagalog)
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    Paghahanap ng tamang mortgage

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    Ang paghahanap ng tamang mortgage ay nangangailangan ng oras at enerhiya. Ngunit dito ka makakatipid ng libu-libong dolyar. Gawing mong layunin ang paghahambing ng hindi bababa sa tatlong alok na loan mula sa iba't ibang lender.

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    Sa pahinang ito:

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    Kumuha ng hindi bababa sa tatlong pre-approval (paunang pag-apruba)

    Ang Internet at ang mga pahayagan ay isang magandang lugar para simulan ang paghahanap ng mga mortgage lender. Makipag-ugnayan sa mga bangko, credit union, at organisasyon na maaaring may espesyalisasyon sa iyong sitwasyon—tulad ng mga bibili ng bahay sa unang pagkakataon, beterano, manggagawa ng pampublikong serbisyo, o iba pa.

    Humingi ng hindi bababa sa tatlong magkakaibang lender para sa “preapproval” (“paunang pag-apruba”). Ito ay nangangahulugan na titingnan ng lender ang iyong kalagayang pinansyal, kabilang ang iyong credit report, at mga tantiya ng kung magkano ang puwede mong hiramin at kung magkanong interes ang malamang na babayaran mo.

    Ang preapproval ay nagpapahintulot sa iyong subukan ang bawat lender upang makita kung anong uri ng mga loan at presyo ang inaalok nito. Kapag nakuha mo ang lahat ng tatlong preapproval sa loob ng maikling panahon, hindi ito dapat magkaroon ng malaking epekto sa iyong credit score.

    Babalikan mo ang mga lender na ito kapag nakagawa ka na ng ilang desisyon, at hihiling ka ng mga alok na loan.

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    Maghanap ng tamang termino ng loan, istraktura ng interest rate, at programa

    Termino ng loan: Mas mahaba o mas maikli

    Sa pangkalahatan, mas malaki ang halaga ng mas mahabang termino ng loan sa kabuuan ng buhay ng loan. Ngunit karaniwang mas mababa ang iyong mga buwanang pagbabayad. Maaari kang makipag-areglo sa ibang termino ng loan sa iyong lender, tulad ng 20 taon, 7 taon, o kahit mas mahaba sa 30 taon.

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    Pinipili ng karamihan ng mga bumibili ng bahay ang 30-taong loan dahil maaaring mababa ang mga pagbabayad.

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    Karaniwang mas mataas ang mga pagbabayad kaysa sa 30-taong loan, ngunit mababayaran ang iyong loan sa loob ng 15 taon at maaaring mas mababa ang kabuuang halaga ng loan.

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    Istraktura ng interest rate ng loan: Fixed rate (hindi nagbabagong antas) o adjustable rate (nagbabagong antas)

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    Karaniwan ang mga loan na may fixed-rate. Ang una mong pagbabayad ay maaaring mas mababa sa loan na may adjustable rate, ngunit kung tumaas ang mga interes rate, maaari kang maharap sa biglaang pagtaas ng mga pagbabayad.

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    Mananatiling hindi magbabago ang iyong interes rate at buwanang pagbabayad para sa buong buhay ng iyong loan.

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    Karaniwang hindi nagbabago ang iyong interest rate sa unang ilang taon ng loan. Sa oras na magtapos ang panahon ng hindi pagbabago, magbabago ang rate sa mga regular na interbal batay sa isang “index.” Ang index ay karaniwang sukatan ng mga interest rate, at sumasalamin ito sa mga kalakaran sa pangkalahatang ekonomiya. Ito ay nangangahulugang maaaring tumaas o bumaba ang halaga ng iyong pagbabayad. Ang mga detalye ay nakapaloob sa Tantiya ng Loan na matatanggap mo sa lender.

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    Programa ng loan: Conventional, FHA, VA, o espesyal na programa

    May maraming programa ng loan, at ang ilan ay itinakda upang tumulong na gawing makukuha ang mga mortgage ng mga tao sa ilang kalagayan o grupo.

    Magbabayad ng 5% down payment o higit pa?

    Magtanong tungkol sa karapat-dapat na loan ng Fannie Mae o Freddie Mac na karaniwang tinatawag na “conventional” loan.

    Magbabayad ng maliit na down payment?

    Magtanong tungkol sa loan na binibigyan ng seguro ng FHA.

    Servicemember o beterano?

    Magtanong tungkol sa loan na binibigyan ng garantiya ng VA.

    Bibili ng bahay sa kanayunan?

    Magtanong tungkol sa loan na iniisponsor ng USDA.

    Bibili ng bahay sa unang pagkakataon na may mababa o katamtamang kita?

    Magtanong tungkol sa mga loan na makukuha sa pamamagitan ng ahensya ng estado na nagpipinansya sa pabahay.

    Paghambingin ang mga alok na loan

    Ngayon naman ay oras na para simulan ang opisyal na proseso ng aplikasyon. Humingi sa iyong mga lender ng mga alok na loan na sumasalamin sa mga gusto mo pagdating sa uri ng loan, programa, at termino. Sa gayon, maipaghahambing mo ang magkakaparehong uri.

    Una, paghambingin ang mga pangunahing bahagi ng loan:

    • Ano ang termino ng loan?
    • Ano ang interest rate?
    • Sa magkanong down payment nakabatay ang loan?
    • Magkano ang buwanang pagbabayad?
    • Para sa mga adjustable-rate mortgage, may limitasyon ba sa mga pagbabago sa kabayaran at interest rate? Bababa ba ang interest rate kung bumaba ang mga interest rate sa merkado?

    Sumunod, paghambingin ang mga natitirang detalye na makakaapekto sa iyong gastos:

    • Sa aking mga pagbabayad, kailan lubusang mababayaran ang principal?
    • Magbabago ba ang mga pagbabayad sa kabuuan ng buhay ng loan? Gaano kataas ang aking magiging pagbabayad?
    • Kasama ba sa aking pagbabayad ang mga buwis sa ari-arian at insurance? Kung hindi, mababayaran ko ba ang mga iyon nang hiwalay?
    • Anong mga gastos at singil ang idadagdag sa una kong pagbabayad? Sa patuloy kong pagbabayad?
    • Kailangan ko bang magbayad ng points (paunang singil upang mabawasan ang interest rate)?
    • Anong mga singil at gastos ang kasama sa halagang hinihiram ko (karaniwan para sa loan na “walang closing cost”)?
    • Tumutugma ba ang nakasulat na alok sa kung ano ang sinabi sa akin tungkol sa loan?
    • Makakakuha ba ako ng mas magandang deal sa mga serbisyo ng kasunduan mula sa ibang tagapagkaloob ng serbisyo?
    • Maaari ko bang bayaran ang loan nang maaga, o magbigay ng mas malaki pa sa mga naka-iskedyul na pagbabayad, nang walang multa?

    Humingi ng mas magandang alok

    Sa oras na makita mo ang mga alok mula sa ilang lender, itanong kung makakapagbigay sila ng mas maganda. Karaniwan ang pakikipag-areglo, at walang masama sa pagtatanong. Maaaring ipagpaliban o bawasan ng lender ang isa o higit pa sa mga singil, o babaan ang interest rates o points.

    Siguraduhing hindi ibinababa ng lender ang isang singil ang itinataas ang isa pa, o ibinababa ang iyong interest rate habang itinataas ang iyong points.

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    Shopping for your auto loan (in Tagalog)
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    Pamimili para sa iyong utang sa auto

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    Bagaman kumplikado, tulad ng iba pang uri ng pamimili, ang pagtitingin sa utang at pagsisikap na makakuha ng pinakamabababang antas at iba pang tadhana. Maghahanda sa iyo ang pagtitingin nang mas maaga sa pakikipag-areglo sa iyong utang sa auto at gawing hindi gaanong nakaka-stress ang proseso.

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    Maghanda bago mag-apply para sa utang sa auto

    Nasa mas mahusay kang posisyon para mamili at makipagtawaran para sa utang sa auto kung susundin mo ang mga hakbang na ito bago ka mag-apply para sa utang.

    Suriin ang iyong credit report

    Tinutukoy ng impormasyon sa iyong credit report ang mga credit score mo. Malaki ang bahagi ng iyong credit score sa pagtukoy kung anong uri ng utang sa auto ang maaari mong makuha, at kung magkano ang interes na babayaran mo para sa utang. Narito ang ilang kapaki-pakinabang na mga mapagkukunan:

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    Kailangan mo ba ng co-signer?

    Ang co-signer ay isang tao – gaya ng magulang, myembro ng pamilya, o kaibigan – na obligado ayon sa kontrata, katulad mo, na bayaran ang loan. Kung limitado ang iyong credit history o kailangang pagandahin, at mayroon kang mababang credit score (o walang credit score), maaaring bumaba ang antas ng iyong interes kung mayroon kang co-signer na may maganda o mahusay na credit. Dahil doon, pagtitiwalaan ng nagpapautang ang credit history at score ng co-signer sa pagpapasiya sa pagsasagawa ng loan.

    Kung pinag-iisipan mong magkaroon ng co-signer, dapat na maingat na pag-isipan mo at ng maaaring co-signer mo ang tungkol sa desisyon na ito. Kung hindi mo mababayaran ang iyong loan, may pananagutan ka at ang iyong co-signer sa pagbabayad. May responsibilidad ang co-signer sa loan kahit wala siyang karapatan sa pag-aari ng sasakyan. Bilang karagdagan, ang anumang pagbabayad nang huli sa loan ay makakaapekto sa iyong credit record at score at sa credit record at score ng iyong co-signer. Pinagbabawalan ng pederal na batas sa pangkalahatan ang nagpapautang sa pag-aatas sa iyo na magkaroon ng isang co-signer kung nag-apply ka para sa loan ng mag-isa at kwalipikado ka sa ilalim ng mga pamantayan ng nagpapautang para sa pagiging karapat-dapat sa credit para sa loan. Para sa higit pang impormasyon tungkol sa co-signing, bumisita sa consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    Suriin ang kasalukuyang mga antas ng interes ng utang sa auto

    Maaari kang magsaliksik ng mga antas sa pamamagitan ng pakikipag-ugnayan sa ilang bangko, credit union, o ibang mga nagpapautang. Maaari ka ring tumingin online sa maraming komersyal na site na maaaring magbigay sa iyo ng pagtantya sa mga antas ng interes sa buong bansa at sa pamamagitan ng iyong zip code. Iuugnay ka ng ilang komersyal na site sa mga ilang nagpapautang at dealer para sa mga pagtatantya, kaya maaaring gugustuhin mong mag-ingat sa paglalagay ng iyong personal na impormasyon.

    Isaalang-alang ang down payment

    Makababawas ang down payment sa kabuuang halaga na iyong finance dahil kailangan mong humiram ng mas kaunting pera. Kung mas malaki ang down payment, mas mababa ang kabuuang halaga ng utang.

    Magpasya kung gusto mong i-trade-in ang kasalukuyan mong sasakyan

    Kung mayroon ka nang sasakyan, saliksikin ang halaga nito upang makita kung magkano ang maaari mong makuha mula sa trade-in o pribadong pagbebenta. Maaari mong tingnan ang tinatayang halaga gamit ang mga online na website pampngangalakal tulad ng Consumer Reports, Edmunds, Kelley Blue Book, NADA Guides, at mga online na anunsyo. Maaaring maaabot din ang mga mapagkukunang ito sa aklatan sa inyong lugar. Makakatulong sa iyo ang paghahanap ng mga halimbawa ng mga katulad na sasakyan na naibenta kamakailan sa inyong lugar na malaman ang patas na presyo.

    Kapag alam mo ang tinatayang halaga ng kasalukuyan mong sasakyan, maaari kang magpasya kung iti-trade-in o ibebenta mo mismo ito. Kapag na-trade-in mo ito sa isang dealership, pagpapasyahan mo at ng dealer ang halaga na ibabawas sa halaga ng pagbili ng susunod mong sasakyan. Kapag ibinenta mo mismo ito, maaari mong gamitin ang pinagbentahan bilang down payment.

    Kung mayroon kang kasalukuyang utang sa auto sa iyong trade-in, pag-isipan nang mabuti ang iyong sitwasyon

    Maingat na pag-isipan kung kukuha ba ng bagong utang bilang karagdagan sa kasalukuyan mong utang. Narito ang ilang pagsasaalang-alang at hakbang:

    • Kunin ang halaga ng kabayaran, na halaga upang mabayaran ang kasalukuyang utang, mula sa kasalukuyan mong nagpapautang bago pumunta sa dealership.
    • Magpasya kung babayaran mo ang kasalukuyan mong utang ngayon, maghintay hanggang mabayaran mo ang iyong dating utang sa auto bago ka mangutang para sa isa pang sasakyan, o isama ang halaga ng utang mo sa kasalukuyan mong sasakyan sa iyong bagong utang sa auto.
    • Kung mas mataas ang utang mo sa kasalukuyan mong sasakyan kaysa sa talagang halaga nito — tinutukoy bilang upside down — kung gayon, mayroon kang negative equity. Kung idaragdag mo ang balanse ng kasalukuyan mong utang sa auto sa iyong bagong utang sa auto, maaari nitong gawing higit na mas mahal ang bagong utang sa auto. Ang kabuuang halaga ng utang ay magiging mas mataas dahil manghihiram ka ng higit sa presyo lang ng iyong bagong sasakyan.
    • Matapos kang magsaliksik sa halaga ng iyong trade-in, kung mas mababa ang halaga ng utang mo pa sa trade-in kaysa sa halaga nito, siguraduhin na sa panahon ng anumang pag-areglo na pag-iisipan mo kung makakakuha ka ba ng patas na halaga para sa iyong trade-in at kung kaya mo bang bayaran nang buo ang dating utang sa auto.
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    Mayroon ka pa bang utang sa iyong trade-in?

    Kung pinag-iisipan mo ang paglilipat ng balanse ng lumang utang sa iyong bagong utang, siguraduhing nauunawaan mo kung paano ito makakaapekto sa kabuuang halaga ng iyong bagong utang. Maingat na tingnan ang kabuuang halaga ng bagong utang kabilang ang halagang hiniram, ang taunang antas ng porsyento (APR), ang antas ng interes, ang tadhana ng loan (sa buwan), at ang buwanang bayad – bago ka sumang-ayon sa anumang bagay. Kung hindi mo idadagdag ang halaga ng utang mo pa sa iyong lumang sasakyan sa bagong utang, at panatilihin ang kasalukuyan mong sasakyan habang bumibili ng bago, sa gayon ay magkakaroon ka ng dalawang utang at dalawang buwanang bayarin. Sa alinmang paraan, baka gusto mong isaalang-alang kung makatuwiran ba ang magpatuloy sa transaksyon at bilhin ang susunod na sasakyan kung may utang pa sa iyong trade-in. Para sa karagdagang impormasyon, bumisita sa consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779/.

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    Pag-isipan ang tungkol sa mapipiling mga add-on nang mas maaga

    Kapag pumunta ka sa auto dealer, malamang na alukin ka ng mga karagdagang produkto at serbisyo para sa sasakyan o para sa utang. Mahusay na ideya kung pag-isipan ang mga add-on na ito nang mas maaga, nang sa gayon wala kang masyadong alalahanin kapag nasa dealership, at handa na ang iyong mga sagot kapag inalukan kang bilihin ang mga extra na ito. Kasama sa mga karaniwang add-on ang:

    Ang mga produkto at serbisyo na ito, na maaari mong utangin, ay di-sapilitan at opsyonal lamang. Kung bibilhin mo ang mga ito, madadaan sa areglo ang presyo. Kung sa tingin mo, gusto mong bilhin ang mga produkto o serbisyo iyon, tumingin-tingin sa ibang lugar. Halimbawa, maaaring mag-alok ng GAP na seguro ang iyong sariling kompanya ng seguro sa auto, seguro sa credit, o iba pang mga alternatibo. Kung uutang ka para sa di-sapilitang mga add-on bilang bahagi ng iyong utang, tataas ang halaga na iyong hiniram at babayaran.

    Ngayong nagawa mo na ang iyong takdang-aralin, handa ka nang gawin ang susunod na hakbang: mamili para sa iyong utang sa auto. Gamitin ang worksheet pang-utang sa auto sa dulo ng gabay na ito para subaybayan ang mga tadhana ng utang at ihambing ang iyong mga pagpipilian. Dalhin ang worksheet sa bangko, sa credit union, sa iba nagpapautang, at dealership para maaari mong ihambing ang iyong mga pagpipilian na utang at makuha ang pinakamainam na deal para sa iyo.

    Bumili para sa utang sa auto

    Ngayon, handa ka na para simulan ang pamimili para sa utang. Bago ka pumunta sa dealership, tipunin ang iyong personal na impormasyon at isaalang-alang kung paano makakakuha ng pag-preapprove para sa utang.

    Maghahanda sa iyo ang pagtitingin nang mas maaga para sa pakikipag-areglo sa iyong utang sa auto at gawing hindi gaanong nakaka-stress ang pag-proseso.

    Tipunin ang iyong personal na impormasyon

    Kapag pupunta ka sa bangko, credit union, o dealership, siguraduhing tipunin ang lahat ng impormasyon na kakailanganin mo. Hihingin ng nagpapautang ang mga impormasyong ito sa aplikasyon ng utang:

    • Pangalan
    • Social Security Number o ITIN
    • Petsa ng kapanganakan
    • Kasalukuyan at dating (mga) address at tagal ng pananatili
    • Kasalukuyan at dating (mga) empleyado at tagal ng pagtatrabaho
    • Trabaho
    • Pinagmumulan ng kita
    • Total ng kabuuang buwanang kita
    • Pinansyal na impormasyon sa mga kasalukuyang credit account, kabilang ang iba pang mga utang

    Pagkuha ng pag-preapprove para sa utang

    Isang magandang pagsimula ang pagkuha ng preapprove na alok o quote ng utang na may pinakamalaking halaga ng pautang at antas, mula sa bangko, credit union, o iba nagpapautang. Kapag dinala mo sa dealer ang quote sa utang mula sa nagpapautang, maaaring lumakas ang posisyon mo sa pakikipagtawaran upang makakuha ng mas mahusay na deal, manatili ka man sa alok na dinala mo o magpasyang tanggapin ang alok na financing ng dealer.

    Tinutulungan ka rin ng pag-preapprove na hindi lumampas sa iyong badyet at nagbibigay-daan sa iyo na maghambing ng mga antas ng interes nang hindi napiilitan dahil sa oras na maaari mong madama sa sandaling nasa dealership ka. Pagkatapos, habang nasa dealership, maaari kang mas makapag-focus sa tunay na presyo ng sasakyan at sa iyong trade-in dahil malalaman mo na ang mga tadhana ng utang na maaari mong makuha. Magkakaroon ka pa rin ng pagkakataon na makipaareglo ng mas magandang utang sa dealership at hindi gamitin ang iyong pagkaka-preapprove.

    Kung na-preapprove ang iyong aplikasyon, bibigyan ka ng mga dokumento ng nagpapautang para dalhin sa dealership. Kapag handa ka nang bumili, magsasagawa ng huling mga pakikipag-ayos ang dealer sa nagpapautang sa iyo.

    Unawain kung paano nakakaapekto ang pamimili ng utang sa iyong credit score

    Sa pangkaraniwan, kaunti hanggang walang epekto sa iyong (mga) credit score ang pagbili sa pinakamainam na deal sa utang sa auto. Malalampasan ng benepisyo ng pagtitingin ang anumang epekto sa iyong credit. Sa ilang kaso, maaaring makapagpababa sa iyong (mga) credit score ang pag-a-apply para sa maraming utang sa loob ng mahabang panahon. Depende sa modelo ng pag- aalam ng credit score na ginamit, sa pangkalahatan, bibilangin lang na isang pag-usisa ang anumang mga kahilingan o pagtanong ng mga nagpapautang na ito para sa iyong (mga) credit score na naganap sa loob ng panahon mula 14 na araw hanggang 45 araw. Ang ibig sabihin nito, bibilangin ang mga pagtitingin para sa utang sa auto sa yugto ng panahong iyon na katulad ng pag-a-apply para sa isang utang lang. Maaari mong mapaliit ang anumang negatibong epekto sa iyong credit score sa pamamagitan ng paggawa ng lahat ng iyong pagtitingin ng antas sa maikling panahon.

    Alamin ang iyong mga karapatan

    Hindi maaaring pigilan o tanggihan ng nagpapautang ang iyong aplikasyon para sa credit, o mag-aalok ng ibang mga presyo o ibang mga tadhana at kondisyon ng utang, batay sa iyong lahi, kulay, relihiyon, bansang pinagmulan, kasarian, marital status, edad, pagtanggap ng kita mula sa pampublikong tulong, o pagsasagawa ng anumang karapatan na may mabuting intensyon sa ilalim ng Consumer Credit Protection Act.

    Maari kang magsumite ng reklamo online sa Federal Trade Commission (FTC) sa reportfraud.ftc.gov o sa Consumer Financial Protection Bureau (CFPB) sa consumerfinance.gov/complaint o sa pagtawag na walang-bayad sa 1-855-411-CFPB (2372). Maaari mo ring sabihin sa amin ang tungkol sa iyong karanasan nang hindi nagsusumite ng pormal na reklamo.

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    Act fast if you can’t pay your credit cards (in Vietnamese)
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    Hành động nhanh nếu quý vị không thể thanh toán thẻ tín dụng

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    Hãy hành động ngay và gọi cho công ty phát hành thẻ tín dụng nếu quý vị cho rằng mình không thể chi trả khoản thanh toán tối thiểu trên thẻ tín dụng.

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    Nhiều công ty thẻ tín dụng có thể sẵn sàng giúp đỡ nếu quý vị gặp phải tình huống khẩn cấp về tài chính. Quý vị không cần trả trễ khoản thanh toán thì mới được yêu cầu trợ giúp!

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    Đừng phớt lờ vấn đề

    Điều đó chỉ có thể làm cho vấn đề trở nên trầm trọng hơn, chẳng hạn như:

    • Lãi suất cao hơn
    • Mức thanh toán tối thiểu cao hơn
    • Mất đặc quyền tính phí
    • Phí trễ hạn
    • Gây hại đến điểm tín dụng

    Sau đây là những gì cần làm

    1. Cộng thu nhập và chi phí của quý vị

    Tìm cách cắt giảm chi phí. Nếu quý vị không có đủ để chi trả khoản thanh toán tối thiểu, hãy quyết định số tiền quý vị có thể trả.

    2. Gọi cho công ty phát hành thẻ tín dụng

    Hãy giải thích rõ ràng:

    • Lý do quý vị không thể trả mức tối thiểu
    • Số tiền quý vị có thể trả
    • Thời điểm quý vị có thể bắt đầu lại các khoản thanh toán thông thường

    3. Cân nhắc tư vấn tín dụng

    Nếu quý vị cần thêm trợ giúp, các tổ chức tư vấn tín dụng phi lợi nhuận có thể hướng dẫn quý vị thêm về cách quản lý tiền của mình.

    Trước khi đăng ký tư vấn tín dụng, hãy hỏi xem quý vị có bị tính phí không, mức phí là bao nhiêu và những dịch vụ nào quý vị sẽ nhận được. Hãy đảm bảo cố vấn viên tín dụng dành thời gian tìm hiểu về tình hình tài chính của quý vị và đề nghị giúp quý vị tìm hiểu cách cải thiện tình hình.

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    Không có cách sửa chữa dễ dàng

    Một số công ty xóa nợ hoạt động vì lợi nhuận cho biết họ có thể giúp quý vị trả nợ “với giá vô cùng phải chăng”. Tuy nhiên, những lời hứa này thường không thành sự thật. Hãy cảnh giác với bất kỳ tổ chức xóa nợ nào:

    • Tính phí trước khi giải quyết khoản nợ của quý vị
    • Đảm bảo rằng họ có thể làm cho khoản nợ của quý vị biến mất
    • Yêu cầu quý vị ngừng giao tiếp với bên cho vay hoặc công ty thẻ tín dụng
    • Yêu cầu quý vị ngừng thanh toán bằng thẻ tín dụng hoặc khoản vay
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    Auto key terms (in Vietnamese)
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    Các thuật ngữ chính về khoản vay mua xe

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    Giá Trị Tiền Mặt (Actual Cash Value - ACV)

    Giá Trị Tiền Mặt (ACV) là giá trị của xe theo các nguồn độc lập được công nhận rộng rãi như  National Automobile Dealers Association (Hiệp Hội Đại Lý Ô Tô Quốc Gia)  hoặc Kelley Blue Book .


    Sự trả dần mỗi tháng (Amortization)

    Sự trả dần mỗi tháng mô tả quá trình trả dần khoản vay mua xe. Đối với khoản vay trả dần, trong mỗi khoản thanh toán hàng tháng, một phần được trả cho số tiền vay (vốn gốc) và một phần của khoản thanh toán được thanh toán cho phí vay nợ trả góp (tiền lãi).

    Đọc thêm (bằng tiếng Anh)


    Mức Lãi Suất Theo Phần Trăm Mỗi Năm (Annual Percentage Rate - APR)

    Mức Lãi Suất Theo Phần Trăm Mỗi Năm (APR) là chi phí quý vị phải trả mỗi năm khi vay tiền (bao gồm cả phí), biểu thị bằng phần trăm. APR là thước đo rộng hơn về chi phí vay tiền vì nó không chỉ phản ánh lãi suất mà còn cả các khoản phí quý vị phải trả để vay được tiền. APR càng cao, quý vị càng phải trả nhiều tiền trong suốt thời hạn vay.

    APR và lãi suất của khoản vay mua xe là hai trong số các thước đo quan trọng nhất về chi phí quý vị phải trả khi vay tiền. Luật Cho Vay Trung Thực (TILA) của liên bang yêu cầu người cho vay tiết lộ cụ thể cho quý vị về các điều khoản quan trọng (bao gồm cả APR) trước khi quý vị có nghĩa vụ pháp lý đối với khoản vay. Vì tất cả người cho vay đều phải cung cấp APR, nên quý vị có thể sử dụng APR để so sánh các khoản vay mua xe. Chỉ cần đảm bảo rằng quý vị đang so sánh APR với APR, chứ không phải với lãi suất.



    Người được ủy quyền (Assignee)

    Người được ủy quyền là người hoặc công ty mua khoản vay mua xe của quý vị. Ví dụ: Một đại lý ô tô cấp tín dụng cho quý vị có thể bán khoản vay của quý vị cho ngân hàng, khiến ngân hàng trở thành người được ủy quyền. Quý vị nợ tiền của bất cứ ai đã mua khoản vay của quý vị. Người được ủy quyền có quyền cầm giữ xe và có thể thu hồi nếu quý vị không trả tiền.


    Giá cơ bản (Base price)

    Giá cơ bản là giá của xe không có tùy chọn.  

    Đọc thêm (bằng tiếng Anh)


    Tỷ giá mua (Buy rate)

    Tỷ giá mua là lãi suất mà người cho vay tiềm năng báo giá cho đại lý của quý vị khi quý vị đăng ký  tài trợ vốn thông qua đại lý.

    Đọc thêm (bằng tiếng Anh)


    Người đồng ký (Co-signer)

    Người đồng ký là người - chẳng hạn như cha mẹ, thành viên thân thiết trong gia đình hoặc bạn bè - cam kết trả lại khoản vay nếu quý vị không trả. Đây có thể là lợi ích cho cả quý vị lẫn người cho vay. Người đồng ký chịu hoàn toàn trách nhiệm trả lại khoản nợ. Nếu có người đồng ký khi quý vị vay tiền, người cho vay được đảm bảo thêm rằng khoản vay sẽ được trả lại. Nếu quý vị không trả nợ, người đồng ký sẽ phải chịu trách nhiệm trả nợ ngay cả khi người đó chưa bao giờ dùng xe của quý vị. Nếu quý vị được hỏi đồng ký một khoản vay, quý vị nên xem xét việc này sẽ ảnh hưởng ra sao đến tài chính của mình.



    Bảo hiểm tín dụng (Credit insurance)

    Bảo hiểm tín dụng là loại bảo hiểm không bắt buộc, có thể chi trả khoản vay mua xe cho người cho vay trong một số trường hợp nhất định, chẳng hạn như khi quý vị qua đời hoặc bị tàn tật. Nếu quý vị đang cân nhắc dùng bảo hiểm tín dụng, hãy chắc chắn rằng quý vị hiểu các điều khoản của chính sách được cung cấp. Nếu quyết định rằng mình cần bảo hiểm, quý vị có thể có những cách rẻ hơn để được bảo hiểm, thay vì mua và thêm bảo hiểm tín dụng vào khoản vay mua xe. Ví dụ: Bảo hiểm nhân thọ có thể rẻ hơn bảo hiểm nhân thọ tín dụng và tạo điều kiện cho gia đình quý vị thanh toán các chi phí khác ngoài khoản vay mua xe.



    Các sản phẩm miễn trừ hoặc đình chỉ trả nợ (Debt cancellation or suspension products)

    Một số đại lý ô tô cũng như ngân hàng và công đoàn tín dụng cung cấp sản phẩm hoặc bảo hiểm “miễn trừ nợ” và “đình chỉ trả nợ” dưới nhiều tên gọi khác nhau. Các sản phẩm này tương tự như bảo hiểm tín dụng về mặt chức năng, nhưng phí và các tính năng khác có thể khác.

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    Số dư thiếu hụt (Deficiency balance)

    Nếu xe của mình bị thu hồi và bán, quý vị có thể phải chịu trách nhiệm thanh toán khoản chênh lệch giữa số tiền còn lại trong khoản vay của mình (cộng với phí thu hồi) và giá bán. Khoản này gọi là “số dư thiếu hụt”.


    Tiền đặt c¬ọc (Down payment)

    Tiền đặt cọc là khoản thanh toán ban đầu, trả trước mà quý vị thực hiện trên tổng chi phí của xe. Tiền đặt cọc có thể là tiền mặt, giá trị của một giao dịch thu lại xe cũ hoặc cả hai. Quý vị đặt cọc càng nhiều, số tiền cần vay càng ít. Tiền đặt cọc nhiều hơn cũng có thể làm giảm khoản thanh toán hàng tháng của quý vị và tổng phí tài trợ vốn vay mượn.


    Bảo hành mở rộng hoặc hợp đồng dịch vụ xe (Extended warranty or vehicle service contract)

    Bảo hành mở rộng hoặc hợp đồng dịch vụ xe thanh toán các chi phí của một số loại sửa chữa ngoài hoặc sau khi kết thúc thời hạn bảo hành của nhà sản xuất.

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    Bộ phận tài chính và bảo hiểm (Finance and insurance department)

    Nếu quý vị mua xe tại đại lý, nhân viên bán hàng có thể giới thiệu quý vị với ai đó bên bộ phận tài chính và bảo hiểm (F&I) hoặc văn phòng kinh doanh. Đây là một phần của đại lý tiếp thị các khoản vay và các tiện ích bổ sung tùy chọn cho khách hàng sau khi họ đồng ý mua xe tại đại lý.

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    Khoản vay với lãi suất cố định (Fixed-rate financing)

    Khoản vay với lãi suất cố định có nghĩa là lãi suất cho khoản vay của quý vị không thay đổi trong suốt thời hạn vay. Với lãi suất cố định, quý vị có thể biết khoản thanh toán của mình cho mỗi tháng và tổng số tiền quý vị sẽ trả trong suốt thời hạn vay. Quý vị có thể muốn được cho vay với lãi suất cố định nếu đang tìm kiếm khoản trả góp tiền vay không thay đổi. Khoản vay với lãi suất cố định là một loại tài trợ vốn. Một loại khác là khoản vay với lãi suất thay đổi.


    Bảo hiểm bắt buộc (Force-placed insurance)

    Để vay được tiền mua xe, quý vị phải có bảo hiểm cho chính chiếc xe đó. Nếu quý vị không mua bảo hiểm hoặc để bảo hiểm mất hiệu lực, hợp đồng thường trao cho người cho vay quyền mua bảo hiểm cho chiếc xe đó. Bảo hiểm này gọi là “bảo hiểm bắt buộc”.

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    Bảo Hiểm Để Bảo Vệ Tài Sản (Guaranteed Auto Protection (GAP) insurance)

    Bảo hiểm GAP chi trả khoản chênh lệch giữa số tiền quý vị vay mua xe và số tiền bảo hiểm của quý vị trả nếu xe của quý vị bị mất cắp, hư hỏng hoặc cả hai. Quý vị không cần mua bảo hiểm này. Nhưng nếu quyết định mình muốn mua, hãy tham khảo giá cả. Người cho vay có thể đặt các mức giá khác nhau cho sản phẩm này.


    Lãi suất (Interest rate)

    Lãi suất của khoản vay mua xe là chi phí quý vị phải trả mỗi năm khi vay, biểu thị bằng phần trăm. Lãi suất không bao gồm phí tính cho khoản vay.

    APR và lãi suất của khoản vay mua xe là hai trong số các thước đo quan trọng nhất về chi phí mà quý vị phải trả khi vay tiền. Luật Cho Vay Trung Thực (TILA) của liên bang yêu cầu người cho vay tiết lộ cụ thể cho quý vị về các điều khoản quan trọng (bao gồm cả APR) trước khi quý vị có nghĩa vụ pháp lý đối với khoản vay. Vì tất cả người cho vay đều phải cung cấp APR, nên quý vị có thể sử dụng APR để so sánh các khoản vay mua xe. Chỉ cần đảm bảo rằng quý vị đang so sánh APR với APR, chứ không phải với lãi suất.


    Kỳ hạn hoặc khoảng thời gian cho vay (Loan term or duration)

    Đây là thời hạn của khoản vay mua xe, thường được biểu thị theo tháng. Kỳ hạn vay ngắn hơn (khi đó quý vị thanh toán hàng tháng trong thời gian ngắn hơn) sẽ giảm tổng chi phí cho khoản vay. Khoản vay dài hơn sẽ giảm bớt khoản thanh toán hàng tháng, nhưng quý vị phải trả lãi nhiều hơn trong suốt thời hạn vay. Khoản vay dài hơn cũng khiến quý vị có nguy cơ bị âm vốn chủ sở hữu - đó là khi số tiền quý vị nợ cho xe nhiều hơn so với giá trị của xe đó.


    Tỉ số vay trên giá trị (Loan-to-value ratio)

    Tỉ số vay trên giá trị (LTV) là tổng giá trị đồng đô la của khoản vay chia cho giá trị tiền mặt (ACV) của xe. Tỉ số này thường thể hiện dưới dạng phần trăm. Tiền đặt cọc làm giảm tỉ số vay trên giá trị của khoản vay.

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    Hòa giải ràng buộc bắt buộc (Mandatory binding arbitration)

    Khi ký vào thoả thuận về điều khoản hòa giải ràng buộc bắt buộc, quý vị đồng ý giải quyết mọi tranh chấp về hợp đồng trước người hòa giải có thẩm quyền quyết định kết quả tranh chấp thay vì tòa án. Quý vị cũng có thể đồng ý từ bỏ các quyền khác, chẳng hạn như khả năng kháng cáo quyết định hoặc tham gia vụ kiện tập thể.

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    Ưu đãi của nhà sản xuất (Manufacturer incentives)

    Ưu đãi của nhà sản xuất là các ưu đãi đặc biệt, chẳng hạn như khoản vay 0% hoặc ưu đãi hoàn tiền mà quý vị có thể đã thấy được quảng cáo cho xe mới. Thông thường, ưu đãi chỉ được cung cấp cho một số mẫu xe nhất định.


    Giá Bán Lẻ Do Nhà Sản Xuất Đề Xuất (Manufacturer Suggested Retail Price - MSRP)

    Giá Bán Lẻ Do Nhà Sản Xuất Đề Xuất (MSRP) là giá mà nhà sản xuất xe đề xuất cho đại lý bán xe.


    Vốn chủ sở hữu âm (Negative equity)

    Nếu số tiền vay nợ mua xe hiện tại nhiều hơn so với giá trị của chiếc xe đó – được gọi là “đảo ngược” - thì quý vị bị âm vốn chủ sở hữu. Nói cách khác, nếu cố bán xe, quý vị sẽ không thể lấy lại được những gì mình đã nợ khi mua xe đó. Ví dụ: giả sử tiền vay nợ mua xe là $10.000 và xe đó hiện trị giá $8.000. Nghĩa là quý vị có vốn chủ sở hữu âm là $2.000. Quý vị sẽ cần thanh toán vốn chủ sở hữu âm đó nếu quý vị muốn đổi xe và vay tiền để mua xe mới.


    Khoản vay mua xe không xét điểm tín dụng hoặc “mua tại đây, thanh toán tại đây” (No credit check or "buy here, pay here" auto loan)

    Các đại lý cung cấp khoản vay mua xe “không xét điểm tín dụng” hoặc “mua tại đây, thanh toán tại đây” thường tài trợ vốn vay nợ mua xe “tại chỗ” cho người vay không có tín dụng hoặc có điểm tín dụng thấp.  

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    Vốn gốc (Principal)

    Vốn gốc là số tiền ban đầu quý vị đồng ý trả lại.

    Nói chung, bất kỳ khoản thanh toán nào cho khoản vay mua xe sẽ trả trước tiên cho mọi khoản phí đến hạn (ví dụ: phí trễ hạn). Tiếp theo, số tiền còn lại từ khoản thanh toán sẽ được trả cho mọi khoản tiền lãi đến hạn, bao gồm tiền lãi quá hạn (nếu có). Sau đó, phần còn lại của khoản thanh toán sẽ được trả cho dư nợ gốc của khoản vay.


    Định giá dựa trên rủi ro (Risk-based pricing)

    Định giá dựa trên rủi ro diễn ra khi người cho vay cung cấp cho những người tiêu dùng khác nhau mức lãi suất khác nhau hoặc điều khoản cho vay khác nhau, dựa trên rủi ro ước tính rằng người tiêu dùng sẽ không trả được khoản vay.

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    Tổng chi phí (Total cost)

    Đây là số tiền quý vị sẽ trả để mua xe (bao gồm vốn gốc, tiền lãi và bất kỳ số tiền đặt cọc hoặc giá trị thu lại xe cũ nào) trong suốt thời hạn vay.


    Luật Cho Vay Trung Thực (Truth in Lending disclosure)

    Luật Cho Vay Trung Thực của liên bang - hay gọi tắt là “TILA” - yêu cầu người vay phải nhận được thông báo bằng văn bản công khai các điều khoản tín dụng quan trọng trước khi họ bị ràng buộc về mặt pháp lý để trả khoản vay. Tìm hiểu thêm về thông tin có trong thông báo về TILA, cũng như thời điểm quý vị sẽ nhận được và xem xét thông tin đó.


    Khoản vay với lãi suất thay đổi (Variable-rate financing)

    Khoản vay với lãi suất thay đổi là khi lãi suất cho khoản vay có thể thay đổi, dựa trên lãi suất cơ bản hoặc lãi suất khác gọi là “chỉ số”. Trong khoản vay với lãi suất thay đổi, lãi suất của khoản vay thay đổi khi lãi suất theo chỉ số thay đổi, nghĩa là lãi suất có thể tăng hoặc giảm. Vì lãi suất có thể tăng lên, khoản thanh toán hàng tháng cũng có thể tăng theo. Thời hạn vay càng dài, khoản vay có lãi suất thay đổi càng rủi ro đối với người vay, vì lãi suất có thêm thời gian để tăng. Khoản vay với lãi suất thay đổi là một loại tài trợ vốn. Một loại khác là khoản vay với lãi suất cố định.


    Bảo Hiểm Lãi Suất Duy Nhất Của Nhà Cung Cấp (Vendor's Single Interest (VSI) insurance)

    Bảo hiểm VSI bảo vệ người cho vay, chứ không phải quý vị, trong trường hợp xe bị hư hỏng hoặc phá hủy.  

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    Bank accounts key terms (in Vietnamese)
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    Thuật ngữ chính về tài khoản ngân hàng

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    Hệ Thống Bù Trừ Tự Động (Automated Clearing House - ACH)

    Ủy quyền Hệ Thống Bù Trừ Tự Động (ACH) là sự ủy quyền trả tiền, cho phép người cho vay lấy tiền qua đường điện tử từ ngân hàng, công đoàn tín dụng hoặc tài khoản thẻ trả trước của quý vị khi khoản tiền của quý vị đến hạn. Quý vị có thể thu hồi quyết định ủy quyền này.

    Khoản trích nợ tự động (Automatic debit payment)

    Với khoản trích nợ tự động, quý vị cho phép công ty nhận các khoản tiền ngay từ tài khoản ngân hàng của quý vị. Cách này khác với tính năng trả hóa đơn định kỳ do ngân hàng của quý vị cung cấp. Khi trả hóa đơn định kỳ, quý vị cho phép ngân hàng hoặc công đoàn tín dụng của mình trả cho công ty.

    Tiền gửi tiết kiệm có kỳ hạn (Certificate of deposit - CD)

    Tiền gửi tiết kiệm có kỳ hạn (hay CD) là loại tài khoản tiết kiệm đặc biệt do ngân hàng hoặc công đoàn tín dụng cung cấp. Quý vị thường phải giữ tiền của mình trong CD trong khoảng thời gian nhất định để tránh bị phạt.

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    Đáo hạn tiền gửi tiết kiệm có kỳ hạn (Certificate of deposit (CD) rollover)

    Đáo hạn hoặc gia hạn có thể diễn ra vào cuối thời hạn của CD.

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    Hối phiếu đòi nợ (Demand draft)

    Hối phiếu đòi nợ cho phép ai đó rút tiền từ tài khoản ngân phiếu của quý vị mà không cần chữ ký của quý vị.  

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    Thời gian giữ tiền gửi (Deposit hold)

    Khoảng thời gian ngân hàng hoặc công đoàn tín dụng giữ số tiền quý vị gửi bằng ngân phiếu đôi khi được gọi là “thời gian giữ tiền gửi” hoặc “thời gian giữ ngân phiếu”. Một số ngân hàng hoặc công đoàn tín dụng có thể gửi tiền nhanh hơn so với yêu cầu của pháp luật và một số có thể đẩy nhanh khả năng gửi tiền với một khoản phí.

    Người nhận uỷ thác (Fiduciary)

    Người nhận uỷ thác là người quản lý tiền hoặc tài sản cho người khác. Khi quý vị được chỉ định là người nhận ủy thác, luật pháp yêu cầu quý vị phải quản lý tiền và tài sản của người đó vì lợi ích của họ chứ không phải của quý vị.


    Người bảo vệ tài sản (Guardian of property)

    Người bảo vệ tài sản là người được tòa chỉ định quản lý tiền và tài sản của người mà tòa thấy nhận rằng họ không thể tự mình quản lý tiền cũng như tài sản của mình.

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    Mã số thuế cá nhân (Individual taxpayer identification number - ITIN)

    ITIN là mã số nhận dạng mà quý vị nhận được từ Sở Thuế Vụ (Internal Revenue Service). ITIN chỉ có sẵn cho một số ngoại nhân không cư trú và thường trú, vợ/chồng của họ và những người phụ thuộc không nhận được Số An Sinh Xã Hội.

    Tài khoản đồng sở hữu (Joint account)

    Nếu muốn cho phép bạn bè hoặc người thân viết ngân phiếu và gửi tiền thay cho quý vị, quý vị có thể cân nhắc mở tài khoản đồng sở hữu. Nói chung, tất cả những người có tên trong tài khoản đồng sở hữu đều có thể viết ngân phiếu, rút tiền, thực hiện giao dịch, chuyển tiền hoặc đóng tài khoản. Nếu một trong những chủ tài khoản nợ tiền, người cho vay có thể thu tiền trong tài khoản ngân hàng đồng sở hữu.

    Tài khoản thị trường tiền tệ (Money market account)

    Tài khoản thị trường tiền tệ là một loại tài khoản đặc biệt, do các ngân hàng và công đoàn tín dụng cung cấp.

    Đọc thêm (bằng tiếng Anh)

    Phí không đủ tiền (Non-sufficient funds (NSF) fees)

    NSF hoặc phí không đủ tiền có thể phát sinh khi ngân phiếu hoặc phương thức ủy quyền điện tử không trả được do thiếu tiền trong tài khoản.Đây thường gọi là ngân phiếu “bị trả lại” hoặc “không có tiền”. 

    Thấu chi (Overdraft)

    Thấu chi xảy ra khi quý vị không có đủ tiền trong tài khoản để chi trả cho một giao dịch, nhưng ngân hàng vẫn trả giao dịch đó. Quý vị có thể rút tiền vượt quá số dư từ tài khoản của mình thông qua ngân phiếu, giao dịch bằng ATM, giao dịch bằng thẻ ghi nợ, phương thức trả hóa đơn tự động và phương thức rút tiền trực tiếp hoặc bằng máy điện tử.

    Nhiều ngân hàng và công đoàn tín dụng cung cấp chương trình bảo vệ thấu chi, trong đó ngân hàng hoặc công đoàn tín dụng thường trả giao dịch và tính phí (ngoài việc yêu cầu hoàn trả số tiền thấu chi). Quý vị cũng có thể chi trả khoản thấu chi bằng cách chuyển tiền từ tài khoản liên kết, thẻ tín dụng hoặc hạn mức tín dụng.


    Hạn mức tín dụng cá nhân (Personal line of credit)

    Hạn mức tín dụng cá nhân là khoản vay mà quý vị có thể sử dụng đôi lần. Quý vị viết ngân phiếu đặc biệt hoặc yêu cầu chuyển khoản vào tài khoản ngân phiếu của mình qua điện thoại hoặc trực tuyến.

    Giống như tài khoản thẻ tín dụng, quý vị có giới hạn tín dụng, nhận hóa đơn hàng tháng, thực hiện ít nhất một khoản tiền trả tối thiểu, trả lãi dựa trên số dư nợ chưa trả và có thể trả phí mỗi khi quý vị sử dụng tài khoản.

    Hạn mức tín dụng cá nhân không được bảo đảm, không giống như Hạn Mức Tín Dụng Cho Vốn Chủ Sở Hữu (HELOC) được đảm bảo bằng khoản vay thế chấp nhà. Hạn mức tín dụng cá nhân do ngân hàng và công đoàn tín dụng cung cấp, đồng thời thường yêu cầu quý vị phải có cả tài khoản ngân phiếu với cùng một tổ chức.


    Quyền luật sư (Power of attorney)

    Quyền luật sư (POA) là tài liệu pháp lý cho phép người khác hành động thay mặt quý vị. Uỷ quyền POA là cách chỉ định một người quyết định thay và khá ít tốn kém, dù có thể cần đến luật sư giúp đỡ.

    POA tài chính có thể sử dụng làm công cụ lập kế hoạch cho tình trạng mất năng lực trong tương lai – không có khả năng đưa ra các quyết định tài chính do, chẳng hạn như chứng mất trí nhớ, chấn thương sọ não hoặc một số tình trạng suy yếu khác ảnh hưởng đến chức năng tinh thần. Khi dùng để lập kế hoạch trước, POA thường “có hiệu lực lâu dài”. Nghĩa là quyền này tiếp tục có hiệu lực ngay cả khi người uỷ quyền bị mất khả năng. Hãy đọc tiếp để tìm hiểu thêm về quyền luật sư (POA). 

    Người trả tiền đại diện (Representative payee)

    Cơ Quan Quản Lý An Sinh Xã Hội (SSA) chỉ định một cá nhân làm người trả tiền đại diện cho một người cần trợ giúp quản lý các khoản thanh toán quyền lợi An Sinh Xã Hội hoặc Thu Nhập Bảo Đảm Được Trợ Cấp (SSI) của họ. Người trả tiền đại diện chỉ có thể quản lý ngân phiếu quyền lợi do SSA trả. Nếu người hưởng quyền lợi có tiền hoặc tài sản khác mà họ không thể quản lý, thì người trả tiền đại diện phải có thẩm quyền hợp pháp từ một nguồn khác để quản lý các khoản tiền khác. Người trả tiền đại diện cũng có thể được tòa án chỉ định là người bảo vệ tài sản. Với tư cách là người trả tiền đại diện cho An Sinh Xã Hội, quý vị là người nhận ủy thác.

    Để biết thêm thông tin về người trả tiền đại diện, hãy đọc hướng dẫn này về cách quản lý tiền của người khác.

    Uỷ thác di chúc có thể hủy bỏ (Revocable living trust)

    Uỷ thác di chúc có thể hủy bỏ là tài liệu pháp lý cho phép quý vị đưa ra quyết định về tiền hoặc tài sản đang được ủy thác của người khác.

    Đọc thêm (bằng tiếng Anh)

    Người trả tiền đại diện An Sinh Xã Hội (Social Security representative payee)

    Người trả tiền đại diện do Cơ Quan Quản Lý An Sinh Xã Hội chỉ định cho một người khác cần trợ giúp quản lý khoản tiền trả quyền lợi An Sinh Xã Hội hoặc Thu Nhập Bảo Đảm Được Trợ Cấp của họ.

    Đọc thêm (bằng tiếng Anh)

    Người được ủy thác do Bộ Cựu Chiến Binh (VA fiduciary)

    Người nhận uỷ thác là người quản lý tiền hoặc tài sản cho người khác. Bộ Cựu Chiến Binh (VA) chỉ định người được ủy thác do bộ cựu chiến binh quản lý các quyền lợi của cựu chiến binh cho người không thể tự quản lý tiền.

    Đọc thêm (bằng tiếng Anh)

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    Thuật ngữ chính về thẻ tín dụng

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    Mức lãi suất theo phần trăm mỗi năm (Annual percentage rate - APR)

    APR hoặc mức lãi suất theo phần trăm mỗi năm là cách tiêu chuẩn để so sánh chi phí của khoản vay. Dữ liệu này tạo điều kiện cho quý vị so sánh chi phí của các sản phẩm cho vay trên cơ sở “ngang bằng”. Công ty phát hành thẻ tín dụng phải tiết lộ APR trước khi quý vị đồng ý sử dụng thẻ.

    Để tính APR, lãi suất và phí được so sánh với số tiền quý vị vay, cũng như được tính trong khoảng thời gian 1 năm. Qua đó, quý vị có thể so sánh chi phí của thẻ tín dụng với khoản vay trả góp trong 6 tháng. Đây cũng là lý do APR thường khác với lãi suất đơn thuần.

    Chuyển nhượng số dư (Balance transfer)

    Chuyển nhượng số dư tạo điều kiện cho quý vị chuyển số dư nợ chưa trả từ thẻ tín dụng này sang thẻ tín dụng khác, đôi khi có mất phí. Phí thường là tỷ lệ phần trăm nhất định của số tiền quý vị chuyển hoặc số tiền cố định, tùy theo số tiền nào nhiều hơn. Nhiều công ty thẻ tín dụng cung cấp dịch vụ chuyển nhượng số dư 0% hoặc lãi suất thấp để mời quý vị hợp nhất khoản nợ của mình trên một thẻ tín dụng. Lãi suất khuyến mại của hầu hết các lần chuyển nhượng số dư kéo dài trong khoảng thời gian giới hạn. Sau đó, lãi suất trên thẻ tín dụng mới của quý vị có thể tăng lên, làm tăng số tiền trả của quý vị.

    Nếu quý vị trả trễ hơn 60 ngày, công ty phát hành thẻ tín dụng có thể tăng lãi suất của quý vị cho tất cả số dư nợ, kể cả số dư đã chuyển.

    Số dư tín dụng (Credit balance)

    Số dư tín dụng trên bảng sao kê chi trả là số tiền mà công ty phát hành thẻ nợ quý vị.

    Tín dụng được thêm vào tài khoản của quý vị mỗi khi quý vị trả. Tín dụng cũng có thể được thêm vào khi quý vị trả lại thứ gì đó mình đã mua bằng thẻ tín dụng, vì phần thưởng quý vị đã kiếm được hoặc do nhầm lẫn trong hóa đơn trước đó. Nếu tổng số tín dụng vượt quá số tiền quý vị nợ, bảng sao kê của quý vị sẽ hiển thị số dư tín dụng.

    Đọc thêm (bằng tiếng Anh)


    Lãi suất định kỳ hàng ngày (Daily periodic rate)

    Một số công ty phát hành thẻ tính lãi trên tài khoản bằng cách sử dụng lãi suất định kỳ hàng ngày nhằm tính lãi bằng cách nhân lãi suất với số tiền nợ vào cuối ngày. Số tiền lãi này sau đó được cộng vào số dư của ngày hôm trước, có nghĩa là tiền lãi được gộp hàng ngày.

    Thời gian ân hạn (Grace period)

    Thời gian ân hạn là khoảng thời gian từ khi kết thúc chu kỳ chi trả đến ngày đến hạn trả. Trong thời gian này, quý vị có thể không bị tính lãi, miễn là quý vị trả đầy đủ số dư của mình trước ngày đáo hạn. Các công ty thẻ tín dụng không bắt buộc phải đưa ra thời gian ân hạn. Tuy nhiên, hầu hết các thẻ tín dụng đều cung cấp thời gian ân hạn khi quý vị mua hàng.  

    Đọc thêm (bằng tiếng Anh)

    Lãi suất (Interest rate)

    Lãi suất của thẻ tín dụng là mức giá quý vị phải trả khi vay tiền. Đối với thẻ tín dụng, lãi suất thường được ghi là lãi suất hàng năm và đây gọi là mức lãi suất theo phần trăm mỗi năm (APR). Trên hầu hết các thẻ, quý vị có thể tránh phải trả lãi khi mua hàng nếu trả đầy đủ số dư nợ mỗi tháng trước ngày đáo hạn.

    Ưu đãi thẻ tín dụng sàng lọc trước (Prescreened credit card offer)

    Ưu đãi thẻ tín dụng sàng lọc trước là khi các công ty phát hành thẻ tín dụng sử dụng thông tin từ công ty báo cáo tín dụng để cung cấp tín dụng chắc chắn cho quý vị nếu lịch sử dùng tín dụng của quý vị đáp ứng tiêu chí do công ty thẻ đó lựa chọn.

    Đọc thêm (bằng tiếng Anh)


    Sử dụng trái phép (Unauthorized use)

    Nói chung, hành vi sử dụng trái phép là khi một người không có quyền dùng thẻ tín dụng sử dụng thẻ đó. Ví dụ: nếu quý vị làm mất thẻ của mình, rồi ai đó tìm thấy và sử dụng thẻ đó, đây sẽ là hành vi sử dụng trái phép.  

    Đọc thêm (bằng tiếng Anh)

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    Kiểm tra tín dụng (Credit inquiry)

    Cuộc kiểm tra đề cập đến yêu cầu xem xét hồ sơ tín dụng và thường thuộc 1 trong 2 loại.

    Đọc thêm (bằng tiếng Anh)

    Người có tín dụng vô hình (Credit invisible)

    Vào năm 2015, chúng tôi đã đăng báo cáo cho biết 26 triệu người Mỹ là “có tín dụng vô hình”. Con số này chỉ ra rằng cứ 10 người lớn thì có 1 người không có bất kỳ lịch sử dùng tín dụng nào với 1 trong 3 công ty báo cáo tín dụng trên toàn quốc. Thêm 19 triệu người tiêu dùng có hồ sơ tín dụng “không thể tính điểm”. Nghĩa là hồ sơ của họ ngắn và có lịch sử dùng tín dụng không đầy đủ (9,9 triệu người) hoặc hồ sơ cũ và thiếu lịch sử dùng tín dụng gần đây (9,6 triệu người). Tóm lại, có 45 triệu người tiêu dùng có thể không sử dụng được tín dụng vì không có hồ sơ tín dụng tính điểm được. Người có tín dụng vô hình hoặc không thể tính điểm thường không tiếp cận được với tín dụng chất lượng và có thể phải đối mặt với một loạt vấn đề, từ việc cố gắng có được tín dụng cho đến việc thuê căn hộ.

    Dịch vụ giám sát tín dụng (Credit monitoring service)

    Dịch vụ giám sát tín dụng là dịch vụ thương mại tính phí để xem các bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, rồi thông báo cho quý vị về những thay đổi đối với những tài khoản liệt kê trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị.

    Đọc thêm (bằng tiếng Anh)


    Bản báo cáo điểm và lịch sử dùng tín dụng (Credit report)

    Bản báo cáo điểm và lịch sử dùng tín dụng là bản báo cáo chứa thông tin về hoạt động tín dụng của quý vị và tình hình tín dụng hiện tại, chẳng hạn như lịch sử trả khoản vay và tình trạng tài khoản tín dụng của quý vị.

    Công ty báo cáo tín dụng (Credit reporting company)

    Công ty báo cáo tín dụng (còn gọi là văn phòng tín dụng hoặc cơ quan báo cáo cho người tiêu dùng) là công ty tổng hợp và bán bản báo cáo điểm và lịch sử dùng tín dụng.

    Điểm tín dụng (Credit score)

    Điểm tín dụng dự đoán khả năng quý vị trả lại khoản vay đúng hạn. Các công ty sử dụng công thức toán học - gọi là mô hình tính điểm - để tạo điểm tín dụng của quý vị từ thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Quý vị cần biết rằng mình không chỉ có “một” điểm tín dụng mà còn có nhiều điểm tín dụng dành cho quý vị cũng như người cho vay. Mọi điểm tín dụng đều phụ thuộc vào dữ liệu được sử dụng để tính toán và có thể khác nhau tùy vào mô hình tính điểm, nguồn lịch sử tín dụng của quý vị, loại sản phẩm cho vay và thậm chí cả ngày tính điểm.

    Đạo Luật Báo Cáo Tín Dụng Trung Thực (Fair Credit Reporting Act)

    Đạo Luật Báo Cáo Tín Dụng Trung Thực (FCRA) của liên bang thúc đẩy tính chính xác, công bằng và quyền riêng tư về thông tin trong hồ sơ của các cơ quan báo cáo cho người tiêu dùng. Có nhiều loại cơ quan báo cáo cho người tiêu dùng, bao gồm văn phòng tín dụng và cơ quan chuyên môn (ví dụ: cơ quan bán thông tin về lịch sử viết ngân phiếu, hồ sơ y tế và hồ sơ lịch sử cho thuê). Tìm hiểu thêm về các quyền chính của quý vị theo FCRA .


    Điểm FICO (FICO score)

    Điểm FICO® là một loại điểm tín dụng cụ thể.  

    Đọc thêm (bằng tiếng Anh)


    Thông báo lừa đảo (Fraud alert)

    Thông báo lừa đảo yêu cầu người cho vay (khi kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị) thực hiện các bước xác minh danh tính của quý vị trước khi mở tài khoản mới, phát hành thẻ bổ sung hoặc tăng hạn mức tín dụng trên tài khoản hiện có dựa trên yêu cầu của người tiêu dùng. Khi quý vị đặt thông báo lừa đảo trong bản báo cáo điểm và lịch sử dùng tín dụng của mình tại một trong những công ty báo cáo tín dụng trên toàn quốc, công ty đó phải thông báo cho những người khác. Có 2 loại thông báo lừa đảo chính: thông báo lừa đảo ban đầu và thông báo mở rộng.


    Báo cáo tín dụng miễn phí (Free credit report)

    Quý vị có quyền yêu cầu một bản sao báo cáo tín dụng mỗi năm miễn phí từ mỗi công ty trong số ba công ty báo cáo người tiêu dùng lớn (Equifax, Experian và TransUnion) bằng cách truy cập AnnualCreditReport.com . Khi truy cập AnnualCreditReport.com , quý vị có thể tham khảo các bước để xem báo cáo tín dụng được cập nhật trực tuyến và không phải trả phí. Sau khi quý vị đã nhận báo cáo tín dụng miễn phí hàng năm, quý vị vẫn có thể yêu cầu thêm báo cáo. Theo luật, công ty báo cáo tín dụng không được tính phí quá $14.50 cho một báo cáo tín dụng.

    Đọc thêm (bằng tiếng Anh)



    Giám sát danh tính hoặc chống đánh cắp thông tin định danh (Identity monitoring or identity theft protection)

    Dịch vụ chống đánh cắp thông tin định danh giám sát thông tin nhận dạng cá nhân trong bản đăng ký dùng tín dụng, hồ sơ công khai, trang web và những nơi khác để phát hiện bất kỳ hoạt động bất thường nào có thể là dấu hiệu của hành vi đánh cắp thông tin định danh.

    Đọc thêm (bằng tiếng Anh)


    Hành vi đánh cắp thông tin định danh (Identity theft)

    Hành vi đánh cắp thông tin định danh xảy ra khi ai đó đánh cắp thông tin định danh của quý vị để thực hiện hành vi lừa đảo. Đánh cắp thông tin định danh của quý vị có thể có nghĩa là sử dụng trái phép thông tin cá nhân của quý vị, chẳng hạn như:

    • Tên quý vị
    • Số An Sinh Xã Hội
    • Số thẻ tín dụng


    Thông báo đang phục vụ quân đội (Military active duty alert)

    Thành viên quân đội (ví dụ: thành viên của Thủy Quân Lục Chiến, Quân Đội, Hải Quân, Không Quân và Lính Tuần Duyên) có thể yêu cầu thông báo đang phục vụ quân đội. Khi quý vị đặt thông báo đang phục vụ quân đội trên bản báo cáo điểm và lịch sử dùng tín dụng của mình, người cho vay phải thực hiện các bước hợp lý để đảm bảo rằng người đưa ra yêu cầu thực sự là quý vị trước khi mở tài khoản, phát hành thẻ tín dụng bổ sung cho tài khoản hiện có hoặc tăng hạn mức tín dụng cho tài khoản hiện có. Thông báo đang phục vụ quân đội kéo dài trong 12 tháng. Tên của quý vị cũng sẽ bị xóa khỏi danh sách tiếp thị sàng lọc trước của các công ty báo cáo tín dụng trên toàn quốc đối với ưu đãi tín dụng và bảo hiểm trong 2 năm.


    Khoản nợ đã trả (Paid collection)

    Khoản nợ đã trả là tài khoản được đưa vào khoản thu nợ vì quá hạn và sau đó đã đượctrả.

    Đọc thêm (bằng tiếng Anh)


    Bảo mật đóng băng (Security freeze)

    Tình trạng “bảo mật đóng băng” trên bản báo cáo điểm và lịch sử dùng tín dụng của quý vị ngăn người cho vay mới tiếp cận hồ sơ tín dụng của quý vị và những người khác mở tài khoản dưới tên quý vị cho đến khi quý vị gỡ bỏ tình trạng đóng băng. Vì hầu hết các doanh nghiệp sẽ không mở tài khoản tín dụng nếu chưa kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, tình trạng đóng băng có thể ngăn những kẻ đánh cắp thông tin định danh mở tài khoản mới dưới tên của quý vị.


    Công ty báo cáo cho người tiêu dùng chuyên biệt (Specialty consumer reporting company)

    Công ty báo cáo cho người tiêu dùng chuyên biệt thu thập và chia sẻ thông tin về lịch sử việc làm, lịch sử giao dịch của quý vị với một doanh nghiệp hoặc lịch sử trả nợ cho sản phẩm hoặc dịch vụ cụ thể.


    Báo cáo sàng lọc người thuê nhà (Tenant screening report)

    Chủ đất sử dụng loại báo cáo này để giúp đưa ra quyết định về người thuê nhà tiềm năng. Báo cáo sàng lọc người thuê nhà có thể chứa thông tin từ nhiều nguồn, bao gồm lịch sử tiền thuê của quý vị cũng như bản báo cáo điểm và lịch sử dùng tín dụng.

    Đọc thêm (bằng tiếng Anh)


    Hồ sơ tín dụng ngắn / Không có hồ sơ tín dụng (Thin credit file / No credit file)

    Hồ sơ tín dụng ngắn hoặc không có hồ sơ tín dụng có nghĩa là một người không có lịch sử tín dụng hoặc không đủ lịch sử tín dụng hiện tại để tạo ra điểm tín dụng. Xem: Người có tín dụng vô hình

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    Debt collection key terms (in Vietnamese)
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    Thuật ngữ chính về thu nợ

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    Cố vấn viên tín dụng (Credit counselor)

    Cố vấn viên tín dụng có thể hỗ trợ những nội dung sau:

    • Tư vấn cho quý vị cách quản lý tiền và nợ
    • Trợ giúp quý vị lập ngân sách
    • Thường cung cấp tài liệu hướng dẫn và buổi hội thảo miễn phí
    • Thông thường, cố vấn viên tín dụng được chứng nhận và đào tạo trong các lĩnh vực tín dụng tiêu dùng, quản lý tiền và nợ, cũng như lập ngân sách. Cố vấn viên thảo luận về toàn bộ tình hình tài chính của quý vị với quý vị và hỗ trợ quý vị phát triển kế hoạch cá nhân để giải quyết các vấn đề về tiền bạc của quý vị. 

    Quy Tắc Thu Nợ (Debt Collection Rule)

    CFPB đã ban hành “quy tắc” có hiệu lực vào ngày 30 tháng 11 năm 2021 để làm rõ và diễn giải Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA) của liên bang.

    Đọc thêm (bằng tiếng Anh)

    Người thu nợ (Debt collector)

    Theo Đạo Luật Thực Hành Đòi Nợ Công Bằng của liên bang, người thu nợ nói chung là cá nhân hoặc công ty thường xuyên thu các khoản nợ của người khác, thường là khi khoản nợ đó đã quá hạn.

    Người thu nợ bao gồm cơ quan thu nợ hoặc luật sư thu nợ trong công việc kinh doanh của họ. Cũng có những công ty mua các khoản nợ quá hạn từ người cho vay hoặc doanh nghiệp khác và sau đó cố thu khoản nợ đó. Những người thu nợ này còn gọi là cơ quan thu nợ, công ty thu nợ hoặc bên mua nợ.


    Dịch vụ xử lý nợ (miễn trừ nợ) (Debt settlement (relief) services)

    Công ty xử lý nợ là công ty cho biết họ có thể đàm phán lại, dàn xếp hoặc theo một cách nào đó thay đổi các điều khoản về khoản nợ của một người với người cho vay hoặc người thu nợ. Quý vị có thể gặp rủi ro khi đối phó với các công ty xử lý nợ.

    Đọc bằng Tiếng Anh

    Đạo Luật Thực Hành Đòi Nợ Công Bằng (Fair Debt Collection Practices Act - FDCPA)

    Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA) là luật liên bang chính điều chỉnh các hoạt động thu nợ. FDCPA nghiêm cấm các công ty thu nợ sử dụng các cách làm lạm dụng, không công bằng hoặc lừa đảo để thu nợ từ quý vị. Đọc bằng Tiếng Anh thông tin về các quyền của quý vị theo FDCPA.

    Sai áp (Garnishment)

    Hành động sai áp tiền lương hoặc tài khoản ngân hàng xảy ra khi người cho vay lấy một phần tiền lương hoặc tiền từ tài khoản ngân hàng của quý vị để thu số tiền quý vị nợ. Hành động sai áp thường cần lệnh của tòa án xuất phát từ một phán quyết. Tuy nhiên, một số khoản nợ của chính phủ cũng có thể dẫn đến việc sai áp, ngay cả khi không có phán quyết.

    Luật tiểu bang và liên bang có các giới hạn hoặc “miễn trừ” áp dụng khi sai áp tài khoản ngân hàng và tiền lương, thường là để đảm bảo quý vị còn tiền để sống. Việc người thu nợ đe dọa sẽ sai áp tiền lương của quý vị nếu tiền lương của quý vị không thể sai áp một cách hợp pháp cũng là hành vi vi phạm Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA).

    Bị người thu nợ quấy rối (Harassment by a debt collector)

    Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA) cho biết người thu nợ không được quấy rối, áp bức hoặc lạm dụng quý vị hoặc bất kỳ ai khác mà họ liên lạc.

    Hành vi quấy rối của người thu nợ quấy rối có thể diễn ra dưới nhiều hình thức khác nhau. Ví dụ bao gồm các cuộc gọi điện thoại lặp đi lặp lại nhằm làm phiền, lạm dụng hoặc quấy rối quý vị hoặc bất kỳ người nào trả lời điện thoại; ngôn từ tục tĩu; đe dọa bạo lực hoặc gây tổn hại; công bố danh sách những người từ chối trả nợ (trong đó không bao gồm việc báo cáo thông tin cho công ty báo cáo tín dụng); và gọi cho quý vị mà không cho quý vị biết họ là ai.


    Phán quyết (Judgment)

    Phán quyết là kết quả chính thức của một vụ kiện tại tòa án. Trong vụ kiện thu nợ, thẩm phán có thể đưa ra phán quyết đối với người cho vay hoặc người thu nợ quý vị. Nếu không phản hồi khiếu nại pháp lý, quý vị sẽ mất cơ hội tự bảo vệ mình và có thể thấy rằng phán quyết được đưa ra chống lại quý vị.

    Nếu ai đó kiện quý vị hoặc nếu ai đó đã nhận được phán quyết chống lại quý vị và quý vị không biết phải làm gì, hãy nói chuyện với luật sư. Một số luật sư có thể cung cấp dịch vụ miễn phí hoặc giảm phí dịch vụ. Cũng có thể có các văn phòng trợ giúp pháp lý hoặc phòng hỗ trợ pháp lý trong khu vực của quý vị cung cấp dịch vụ miễn phí nếu quý vị đáp ứng tiêu chí nhất định. Quân nhân nên tham khảo văn phòng JAG tại địa phương .


    Tin Nhắn Có Nội Dung Hạn Chế (Limited-Content Message)

    Theo Quy tắc Thu nợ, đây là tin nhắn thư thoại cho người tiêu dùng, phải chứa một số thông tin bắt buộc và có thể chứa nội dung tùy chọn khác.

    Đọc thêm (bằng tiếng Anh)

    Người cho vay ban đầu (Original creditor)

    Nói chung, người cho vay ban đầu là công ty đã cho quý vị vay hoặc tín dụng. Người cho vay ban đầu có thể cố tự mình thu nợ tài khoản tín dụng quá hạn hoặc có thể thuê người thu nợ. Người cho vay ban đầu cũng có thể bán tài khoản tín dụng của quý vị cho người thu nợ. Người thu nợ nói chung là một bên thứ ba đã ký hợp đồng cụ thể để thu nợ trên tài khoản của quý vị hoặc ai đó đã mua từ người cho vay ban đầu, người thu nợ hay bên mua nợ khác.

    Luật tố tụng (Statute of limitations)

    Luật tố tụng là khoảng thời gian giới hạn mà người cho vay hoặc người thu nợ phải khởi kiện để thu nợ. Hầu hết luật tố tụng rơi vào khoảng từ 3-6 năm, mặc dù ở một số khu vực pháp lý, luật này có thể kéo dài lâu hơn. Luật tố tụng có thể khác nhau, tùy vào luật của tiểu bang, loại nợ mà quý vị có hoặc luật của tiểu bang có tên trong hợp đồng tín dụng của quý vị.

    Thông Báo Xác Thực (Validation Notice)

    Người thu nợ cần cung cấp một số thông tin nhất định khi lần đầu tiên giao tiếp với người tiêu dùng hoặc ngay sau đó. Khi người thu nợ cung cấp thông tin bắt buộc này bằng phương thức điện tử hoặc bằng văn bản, đây gọi là thông báo xác thực.

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    Sự trục lợi tài chính đối với người cao tuổi (Elder financial exploitation)

    Sự trục lợi tài chính đối với người cao tuổi là việc sử dụng bất hợp pháp hoặc không đúng cách tiền, bất động sản hoặc tài sản của người cao tuổi. Đây là hình thức lạm dụng người cao tuổi phổ biến nhất, nhưng chỉ một phần nhỏ các vụ việc được báo cáo.

    Thủ phạm có thể là người xa lạ được người cao tuổi tin tưởng, nhưng cũng có thể là thành viên gia đình hoặc bạn bè. Quý vị cần nhận biết được các dấu hiệu cảnh báo.

    Đọc thêm (bằng tiếng Anh)

    Lừa đảo cứu trợ tịch thu tài sản thế chấp (Foreclosure relief scam)

    Lừa đảo cứu trợ tịch thu tài sản thế chấp và điều chỉnh khoản vay thế chấp là âm mưu nhằm lấy tiền hoặc nhà của quý vị - thường bằng cách hứa hão rằng quý vị sẽ không bị tịch thu tài sản thế chấp. Những kẻ lừa đảo này có thể yêu cầu trả trước tiền và đảm bảo rằng quý vị có thể thay đổi các điều khoản vay thế chấp của mình. Nếu quý vị gặp khó khăn khi thanh toán khoản vay thế chấp, cơ quan cố vấn nhà ở được HUD phê duyệt có thể hướng dẫn miễn phí về các lựa chọn của quý vị.

    Cảnh báo lừa đảo để phòng ngừa (Fraud alert for prevention)

    Cảnh báo lừa đảo là phương thức quý vị có thể sử dụng để giảm khả năng trở thành nạn nhân của hành vi đánh cắp thông tin định danh của tài khoản mới. Thông báo này yêu cầu người cho vay (khi kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị) phải thực hiện các bước xác minh danh tính của quý vị trước khi mở tài khoản mới, phát hành thẻ bổ sung hoặc tăng hạn mức tín dụng trên tài khoản hiện có. Khi quý vị đặt cảnh báo lừa đảo trong bản báo cáo điểm và lịch sử dùng tín dụng của mình tại một trong những công ty báo cáo tín dụng trên toàn quốc, công ty đó phải thông báo cho những công ty khác.

    Có hai loại cảnh báo lừa đảo chính: cảnh báo lừa đảo ban đầu và cảnh báo mở rộng. Quân nhân có sẵn một tùy chọn bổ sung là thông báo đang phục vụ trong quân đội, qua đó cung cấp biện pháp bảo vệ cho quân nhân trong khi họ đang tại ngũ.

    Đọc thêm (bằng tiếng Anh).


    Lừa đảo bởi người được ủy thác (Fraud by fiduciaries)

    Người được ủy thác là người quản lý tiền hoặc tài sản của người khác. Ví dụ: Người đại diện theo giấy ủy quyền và người giám hộ do tòa chỉ định là những người được ủy thác.

    Khi được chỉ định là người được ủy thác, luật pháp yêu cầu quý vị phải quản lý tiền và tài sản của người đó vì lợi ích của họ chứ không phải của quý vị. Khi người được ủy thác tiêu tiền cho chính lợi ích của mình, đó có thể là hành vi lừa đảo.

    Đánh cắp thông tin định danh (Identity theft)

    Hành vi đánh cắp thông tin định danh diễn ra khi ai đó đánh cắp danh tính của quý vị để thực hiện hành vi lừa đảo.

    Đánh cắp danh tính của quý vị có thể có nghĩa là sử dụng trái phép thông tin cá nhân của quý vị, chẳng hạn như tên, số An Sinh Xã Hội, thông tin tài khoản ngân hàng hoặc số thẻ tín dụng của quý vị. Ủy Ban Giao Dịch Liên Bang (Federal Trade Commission) cung cấp thông tin về cách ngăn chặn và ứng phó với hành vi đánh cắp thông tin định danh.

    Lừa đảo mạo danh (Imposter scams)

    Kẻ lừa đảo mạo danh cố gắng thuyết phục quý vị gửi tiền bằng cách giả làm người mà quý vị quen biết hoặc tin tưởng như cảnh sát trưởng, nhân viên chính phủ địa phương, tiểu bang hoặc liên bang hoặc tổ chức từ thiện. Lưu ý rằng ID người gọi có thể bị làm giả. Quý vị luôn có thể gọi cho tổ chức hoặc cơ quan chính phủ và hỏi xem người đó có làm việc cho họ hay không trước khi đưa tiền.

    Lừa đảo qua thư (Mail fraud)

    Thư lừa đảo trông có vẻ giống thật nhưng những lời hứa là giả. Một dấu hiệu cảnh báo phổ biến là thư yêu cầu quý vị gửi ngay tiền hoặc thông tin cá nhân để nhận được thứ có giá trị sau khi quý vị gửi tiền hoặc thông tin.


    Hình thức lừa người dùng qua email hoặc tin nhắn giả để thu thập thông tin cá nhân (Phishing)

    Đối với hình thức lừa người dùng qua email hoặc tin nhắn giả để thu thập thông tin cá nhân, kẻ lừa đảo mạo danh một cá nhân hoặc doanh nghiệp để lừa quý vị cung cấp thông tin cá nhân của quý vị, chẳng hạn như mật khẩu, số thẻ tín dụng hoặc thông tin tài khoản ngân hàng. Người lừa đảo có thể sử dụng email, tin nhắn hoặc trang web lừa đảo để đánh cắp thông tin này từ quý vị. Những email này có thể trông chân thực.


    Đóng băng bảo mật để phòng ngừa (Security freeze for prevention)

    Khi đóng băng bảo mật, quý vị ngăn không cho người cho vay mới tiếp cập hồ sơ tín dụng của quý vị và người khác mở tài khoản yêu cầu xét điểm tín dụng dưới tên của quý vị cho đến khi quý vị dỡ bỏ lệnh đóng băng.

    Vì hầu hết các doanh nghiệp sẽ không mở tài khoản tín dụng nếu không thể kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, việc đóng băng có thể ngăn những kẻ đánh cắp thông tin định danh mở tài khoản mới dưới tên của quý vị. Hãy lưu ý rằng việc đóng băng không ngăn được kẻ đánh cắp thông tin định danh chiếm đoạt các tài khoản hiện có.

    Đọc thêm (bằng tiếng Anh).


    Giả mạo (Spoofing)

    Giả mạo xảy ra khi người gọi che giấu thông tin hiển thị trên ID người gọi của quý vị. Hành động này tạo điều kiện cho người gọi có khả năng ngụy trang hoặc "giả mạo" tên và/hoặc số điện thoại để có vẻ như họ đang gọi với tư cách là một người nhất định từ một địa điểm cụ thể.


    Lừa đảo chuyển tiền hoặc chuyển khoản (Wire or money transfer fraud)

    Một số kẻ lừa đảo lừa quý vị chuyển tiền hoặc chuyển khoản để lấy cắp tiền của quý vị. Một ví dụ phổ biến về hành vi lừa đảo chuyển khoản là “lừa đảo các ông bà lớn tuổi”. Hành vi này xảy ra khi kẻ lừa đảo đóng giả là cháu hoặc bạn của cháu, gọi điện và nói rằng mình đang ở nước ngoài hoặc đang gặp rắc rối nào đó và cần chuyển tiền hoặc chuyển khoản ngay lập tức.

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    How to avoid foreclosure (in Vietnamese)
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    Cách tránh bị tịch thu tài sản thế chấp

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    Điều quan trọng nhất quý vị có thể làm khi gặp khó khăn trong việc thanh toán thế chấp là kiểm soát tình hình. Trong hầu hết các trường hợp, điều tồi tệ nhất quý vị có thể làm là không làm gì cả. Kiểm soát có nghĩa là thực hiện 4 bước sau:

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    1. Gọi hoặc nhận cuộc gọi để được trợ giúp

    Kiểm soát bằng cách nhận cuộc gọi từ bên dịch vụ thế chấp. Tốt hơn nữa, hãy gọi cho bên dịch vụ thế chấp ngay khi quý vị biết mình không thể thực hiện khoản thanh toán hàng tháng. Số điện thoại có trên hóa đơn hàng tháng. Cho bên dịch vụ biết lý do quý vị không thể thực hiện khoản thanh toán hàng tháng và yêu cầu bên dịch vụ trợ giúp để tránh bị tịch thu tài sản thế chấp.

    2. Nhờ chuyên gia trợ giúp miễn phí

    Bên dịch vụ có thể giúp đỡ nếu quý vị gặp rắc rối với các khoản thanh toán tiền vay. Nếu quý vị không thể nhận được những gì mình cần từ bên dịch vụ, hãy nhờ chuyên gia thuộc các cơ quan tư vấn về nhà cửa gần quý vị trợ giúp. Cố vấn viên có thể lập kế hoạch phù hợp và hỗ trợ quý vị làm việc với công ty thế chấp. Hãy truy cập trang consumerfinance.gov/mortgagehelp hoặc gọi theo số (800) 569-4287 và nhập mã ZIP của quý vị để tìm cố vấn viên về nhà cửa được HUD phê duyệt.

    3. Ngăn chặn hành vi lừa đảo

    Kẻ lừa đảo cố gắng lợi dụng chủ nhà đang gặp rắc rối bằng cách tính rất nhiều tiền—thậm chí hàng ngàn đô la—khi hứa giúp đỡ một cách sai sự thật. Quý vị không cần phải trả tiền cho bất cứ ai để giúp tránh bị tịch thu tài sản thế chấp. Quý vị nhận được sự trợ giúp cần thiết miễn phí từ bên dịch vụ hoặc thông qua cơ quan tư vấn về nhà cửa được HUD phê duyệt.

    4. Nộp đơn xin trợ giúp

    Bên cho vay phải liên lạc với quý vị, cung cấp cho quý vị thông tin chính xác và cho quý vị biết về các phương án giảm thiểu tổn thất mà quý vị có thể đủ điều kiện. Giảm thiểu thiệt hại đề cập đến những cách mà bên dịch vụ có thể làm việc với quý vị để tránh bị tịch thu tài sản thế chấp. Nếu quý vị gửi sớm đơn xin trợ giúp hoàn chỉnh cho bên dịch vụ thế chấp của mình, bên dịch vụ thế chấp phải cho quý vị biết các lựa chọn mà quý vị có để giữ lại hoặc rời khỏi ngôi nhà của mình (nếu hợp lý hơn).

    Cố vấn viên về nhà cửa có nhiều kinh nghiệm giúp mọi người tránh bị tịch thu nhà. Họ có thể hỗ trợ quý vị thực hiện các bước phức tạp để nắm được các lựa chọn và đăng ký trợ giúp.

    Bên dịch vụ thế chấp không thể đưa ra thông báo đầu tiên hoặc nộp đơn yêu cầu tịch thu tài sản thế chấp cho đến khi quý vị chưa trả khoản thanh toán hơn 120 ngày. Ngoài ra, khi quý vị gửi sớm đơn xin trợ giúp hoàn chỉnh để được hỗ trợ thế chấp, bên dịch vụ thế chấp không thể bắt đầu tịch thu tài sản thế chấp trong quá trình quý vị được đánh giá hoặc nếu quý vị đang tuân thủ yêu cầu sửa đổi khoản vay. Vì vậy, hãy hoàn thành đơn xin và đừng trì hoãn. Quý vị hoàn thành đơn càng sớm thì càng được bảo vệ.

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    Cách phát hiện hành vi lừa đảo tịch thu tài sản thế chấp

    Khi tịch thu tài sản thế chấp, kẻ lừa đảo có thể nói với quý vị rằng họ sẽ cứu quý vị khỏi bị tịch thu nhà, trong khi họ thực sự chỉ lấy tiền của quý vị.

    Chú ý đến các dấu hiệu cảnh báo lừa đảo sau:

    • Quý vị cần trả trước để được giúp đỡ.
    • Công ty đảm bảo rằng họ sẽ thay đổi các điều khoản thế chấp của quý vị.
    • Công ty đảm bảo quý vị sẽ không bị mất nhà.
    • Quý vị cần ký tên sang tên căn nhà của mình hoặc ký các tài liệu khác mà quý vị không hiểu.
    • Quý vị được hướng dẫn gửi khoản thanh toán cho người khác không phải là công ty hoặc bên dịch vụ thế chấp.
    • Công ty đề nghị thực hiện “kiểm toán điều tra”.
    • Quý vị được yêu cầu ngừng thanh toán khoản vay thế chấp.
    • Công ty cho biết họ có liên kết với chính phủ hoặc sử dụng logo trông gần giống với con dấu của chính phủ.
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    Gửi khiếu nại về sản phẩm hoặc dịch vụ tài chính

    Mỗi tuần, chúng tôi gửi hơn 10.000 khiếu nại về sản phẩm và dịch vụ tài chính để các công ty trà lời. Nếu cơ quan khác có thể hỗ trợ tốt hơn, chúng tôi sẽ gửi cho họ và thông báo cho quý vị biết. Hầu hết các công ty trả lời trong vòng 15 ngày.

    • Trực tuyến (bằng tiếng Anh)
    • Hoặc qua điện thoại theo số (855) 411-2372 để được trợ giúp bằng tiếng Anh và 180 ngôn ngữ khác. Các cuộc gọi thường được trả lời trong vòng chưa đầy 1 phút. Khiếu nại của quý vị sẽ được dịch sang tiếng Anh và gửi đến công ty để trả lời. Công ty thường trả lời bằng tiếng Anh, nhưng quý vị có thể gọi cho chúng tôi để nghe thông dịch lại phần trả lời.
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    Mortgages key terms (in Vietnamese)
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    Thuật ngữ chính về khoản vay thế chấp

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    Khoản Vay Thế Chấp Với Lãi Suất Được Điều Chỉnh 5/1 (5/1 Adjustable Rate Mortgage)

    Vay thế chấp với lãi suất được điều chỉnh (ARM) 5/1 hoặc ARM 5 năm là khoản vay thế chấp trong đó “5” là số năm mà lãi suất ban đầu được giữ nguyên. “1” thể hiện tần suất lãi suất sẽ điều chỉnh sau khi thời hạn 5 năm đầu tiên kết thúc. Các khoảng thời gian cố định phổ biến nhất là 3, 5, 7 và 10 năm và “1” là khoảng thời gian điều chỉnh phổ biến nhất. Quý vị cần đọc kỹ hợp đồng và đặt câu hỏi nếu đang cân nhắc ARM.

    Tìm hiểu thêm về cách mức lãi suất có điều chỉnh thay đổi.


    Quy tắc khả năng trả nợ (Ability-to-repay rule)

    Quy tắc khả năng trả nợ là cách xác định thiện chí và hợp lý mà hầu hết người cho vay thế chấp cần thực hiện để đảm bảo rằng quý vị có thể trả lại khoản vay.

    Đọc thêm (bằng tiếng Anh)

    Khoản Vay Thế Chấp Với Lãi Suất Được Điều Chỉnh (Adjustable Rate Mortgage - ARM)

    Vay thế chấp với lãi suất được điều chỉnh (ARM) là loại khoản vay mà lãi suất có thể thay đổi, thường tăng giảm dựa trênlãi suất theo chỉ số. Khoản thanh toán hàng tháng của quý vị sẽ tăng hoặc giảm tùy vào thời hạn ban đầu của khoản vay, lãi trần và lãi suất theo chỉ số. Với ARM, lãi suất và khoản thanh toán hàng tháng có thể bắt đầu thấp hơn so với khoản vay thế chấp lãi suất cố định, nhưng cả lãi suất và khoản thanh toán hàng tháng đều có thể tăng đáng kể.  

    Tìm hiểu thêm về cách thức hoạt động của ARM và những thông tin cần cân nhắc.


    Sự trả dần mỗi tháng (Amortization)

    Sự trả dần mỗi tháng có nghĩa là trả hết khoản vay bằng các khoản thanh toán định kỳ theo thời gian, qua đó số tiền quý vị nợ giảm dần sau mỗi lần thanh toán. Tuy hầu hết các khoản vay mua nhà đều là trả nợ dần mỗi tháng, nhưng một số khoản vay thế chấp không được trả nợ dần hoàn toàn. Nghĩa là quý vị vẫn còn nợ tiền sau khi thực hiện tất cả các khoản thanh toán của mình.

    Một số khoản vay mua nhà cho phép khoản thanh toán chỉ chi trả số tiền lãi đến hạn hoặc số tiền ít hơn số tiền lãi đến hạn. Nếu khoản thanh toán ít hơn số tiền lãi đến hạn mỗi tháng, số dư nợ thế chấp sẽ tăng lên thay vì giảm. Đây gọi là khấu hao âm. Các chương trình cho vay khác không trả dần hết nợ trong thời gian vay có thể yêu cầu trả khoản thanh toán lớn nhất, một lần vào cuối thời hạn cho vay. Hãy đảm bảo rằng quý vị biết rõ loại khoản vay mình chọn.

    Tìm hiểu thêm về quá trình mua nhà. 


    Số tiền vốn vay nợ (Amount financed)

    Nghĩa là số tiền quý vị đang vay từ người cho vay, trừ đi hầu hết các khoản phí trả trước mà người cho vay tính phí quý vị.  

    Đọc thêm (bằng tiếng Anh)

    Thu nhập hàng năm (Annual income)

    Thu nhập hàng năm là một yếu tố trong đơn xin vay thế chấp và thường đề cập đến tổng thu nhập trước thuế mà quý vị kiếm được trong một năm. Thu nhập hàng năm có thể bao gồm thu nhập từ công việc toàn thời gian hoặc bán thời gian, tự kinh doanh, tiền boa, hoa hồng, làm thêm giờ, tiền thưởng hoặc các nguồn khác. Người cho vay sẽ sử dụng thông tin về thu nhập hàng năm và các khoản nợ hàng tháng hiện tại của quý vị để xác định xem quý vị có khả năng trả khoản vay hay không.

    Việc người cho vay có dựa vào một nguồn thu nhập hoặc số tiền cụ thể khi xem xét cho quý vị vay hay không thường sẽ phụ thuộc vào việc liệu quý vị có tiếp tục nhận được thu nhập một cách hợp lý không.

    Tìm hiểu thêm về lý do khả năng trả nợ của quý vị lại quan trọng đối với người cho vay.


    Mức Lãi Suất Theo Phần Trăm Mỗi Năm (Annual Percentage Rate - APR)

    Mức lãi suất theo phần trăm mỗi năm (APR) là thước đo rộng hơn về chi phí vay tiền so với lãi suất. APR phản ánh lãi suất, điểm mua giảm lãi suất, phí môi giới cho vay và các khoản phí khác mà quý vị phải trả khi vay. Vì vậy, APR thường cao hơn lãi suất.

    Tìm hiểu cách so sánh APR


    Phí thẩm định (Appraisal fee)

    Phí thẩm định là chi phí thẩm định căn nhà mà quý vị dự định mua hoặc đã sở hữu. Việc thẩm định nhà cung cấp đánh giá độc lập về giá trị của tài sản. Trong hầu hết trường hợp, việc lựa chọn người thẩm định và bất kỳ chi phí liên quan sẽ tùy vào người cho vay.

    Tìm hiểu thêm về quá trình mua nhà.


    Thanh toán tự động (Automatic payment)

    Nhờ cách thanh toán tự động, quý vị có thể thiết lập khoản thanh toán thế chấp định kỳ thông qua ngân hàng của mình. Thanh toán tự động có thể là một cách thuận tiện để đảm bảo quý vị thanh toán đúng hạn.


    Khoản vay trả số nợ lớn nhất vào đợt cuối cùng (Balloon loan)

    Đối với các khoản thế chấp, khoản vay trả số nợ lớn nhất vào đợt cuối cùng (balloon loan) có nghĩa là khoản vay có khoản thanh toán một lần lớn hơn bình thường, thường là vào cuối thời hạn khoản vay. Khoản thanh toán một lần này gọi là “khoản trả góp lớn nhất (balloon payments)” và cao hơn các khoản thanh toán khác của quý vị, đôi khi cao hơn rất nhiều. Nếu không thể trả khoản trả góp lớn nhất này, quý vị có thể phải vay lại, bán nhà hoặc đối mặt với việc bị tịch thu tài sản thế chấp.

    Tìm hiểu lý do việc vay khoản vay trả số nợ lớn nhất vào đợt cuối cùng có thể rủi ro.


    Thanh toán hai tuần một lần (Bi-weekly payment)

    Trong kế hoạch thanh toán hai tuần một lần, công ty dịch vụ thế chấp sẽ thu một nửa số tiền thanh toán hàng tháng của quý vị sau mỗi 2 tuần, tổng cộng là 26 khoản thanh toán trong suốt cả năm (thêm một khoản thanh toán hàng tháng bổ sung mỗi năm). Khi thực hiện thanh toán bổ sung và áp dụng các khoản thanh toán cho tiền gốc, quý vị có thể sớm trả hết khoản vay. Trước khi chọn thanh toán hai tuần một lần, đừng quên xem lại điều khoản vay để xem liệu quý vị có bị phạt trả trước nếu làm như vậy hay không. Kiểm tra xem nhà cung cấp dịch vụ có tính bất kỳ khoản phí nào đối với gói thanh toán hai tuần một lần hay không. Quý vị có thể hoàn thành mục tiêu tương tự mà không phải trả phí bằng cách trả thêm khoản thế chấp hàng tháng mỗi năm.


    Tờ khai báo ký kết khoản vay thế chấp (Closing Disclosure)

    Tờ khai báo ký kết khoản vay thế chấp là mẫu đơn dài năm trang, bắt buộc cung cấp các chi tiết cuối cùng về khoản vay thế chấp mà quý vị đã chọn. Trong đó bao gồm điều khoản cho vay, khoản thanh toán hàng tháng dự kiến, số tiền cần trả cho các khoản phí và các chi phí khác để vay thế chấp.

    Tìm hiểu cách kiểm tra kỹ xem tất cả chi tiết về khoản vay có chính xác trong tờ khai báo ký kết khoản vay thế chấp không.


    Tiền vay để xây cất (Construction loan)

    Tiền vay để xây cất thường là khoản vay ngắn hạn cung cấp tiền để trang trải chi phí xây dựng hoặc cải tạo nhà.

    Đọc thêm (bằng tiếng Anh)

    Khoản vay không do chính phủ hỗ trợ (Conventional loan)

    Khoản vay không do chính phủ hỗ trợ là bất kỳ khoản vay thế chấp nào không được chính phủ bảo hiểm hoặc bảo lãnh (chẳng hạn như thông qua các chương trình cho vay của Cơ Quan Quản Lý Nhà Ở Liên Bang, Bộ Cựu Chiến Binh hoặc Bộ Nông Nghiệp).

    Tìm hiểu thêm về các khoản vay không do chính phủ hỗ trợ và loại khoản vay khác. 


    Người đồng ký hoặc người cùng vay nợ (Co-signer or co-borrower)

    Người đồng ký hoặc người cùng vay nợ là người đồng ý chịu hoàn toàn trách nhiệm hoàn trả khoản vay thế chấp với quý vị. Người này có nghĩa vụ phải thanh toán bất kỳ khoản thanh toán nào bị lỡ và thậm chí là toàn bộ số tiền vay nếu quý vị không thanh toán. Một số chương trình vay thế chấp phân biệt người đồng ký là người không đứng tên và không có bất kỳ quyền sở hữu nào đối với ngôi nhà thế chấp. Khi có người đồng ký hoặc người cùng vay nợ để vay thế chấp, người cho vay có thêm sự đảm bảo rằng khoản vay sẽ được hoàn trả. Tuy nhiên, hồ sơ tín dụng và tài chính của người đồng ký hoặc người cùng vay nợ của quý vị sẽ gặp rủi ro nếu quý vị không trả nợ.

    Tìm hiểu thêm về quá trình mua nhà. 


    Lịch sử dùng tín dụng (Credit history)

    Lịch sử dùng tín dụng là bản ghi các tài khoản tín dụng của quý vị và lịch sử thanh toán đúng hạn, thể hiện trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Công ty báo cáo cho người tiêu dùng (còn gọi là công ty báo cáo tín dụng) thu thập và cập nhật thông tin về hồ sơ tín dụng của quý vị và cung cấp thông tin đó cho các doanh nghiệp khác. Những doanh nghiệp này sẽ sử dụng thông tin nói trên để đưa ra quyết định về quý vị. Bản báo cáo điểm và lịch sử dùng tín dụng chứa thông tin về hoạt động tín dụng và tình hình tín dụng hiện tại của quý vị, chẳng hạn như lịch sử thanh toán khoản vay và trạng thái tài khoản tín dụng của quý vị.

    Tìm hiểu thêm về cách kiểm tra lịch sử dùng tín dụng trước khi mua nhà.


    Bản báo cáo điểm và lịch sử dùng tín dụng (Credit report)

    Bản báo cáo điểm và lịch sử dùng tín dụng là bản báo cáo chứa thông tin về hoạt động tín dụng và tình hình tín dụng hiện tại của quý vị, chẳng hạn như lịch sử thanh toán khoản vay và tình trạng tài khoản tín dụng của quý vị. Người cho vay sử dụng điểm tín dụng của quý vị và thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị để xác định xem quý vị có đủ điều kiện vay hay không và mức lãi suất sẽ cung cấp cho quý vị.

    Tìm hiểu cách nhận bản sao cho bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. 


    Điểm tín dụng (Credit score)

    Điểm tín dụng dự đoán khả năng trả lại khoản vay đúng hạn của quý vị. Các công ty sử dụng công thức toán học - gọi là mô hình tính điểm - để tạo điểm tín dụng của quý vị từ thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Vì có nhiều mô hình tính điểm khác nhau nên quý vị không chỉ có một điểm tín dụng. Điểm của quý vị phụ thuộc vào lịch sử dùng tín dụng, loại sản phẩm cho vay và thậm chí cả ngày tính điểm.

    Tìm hiểu nơi quý vị có thể nhận điểm tín dụng của mình.


    Tỷ lệ nợ (Debt ratio)

    Tỷ lệ nợ trên thu nhập là toàn bộ các khoản thanh toán nợ hàng tháng chia cho tổng thu nhập trước thuế hàng tháng. Con số này là một cách mà người cho vay dùng để đo lường khả năng quý vị quản lý các khoản thanh toán hàng tháng để hoàn trả số tiền quý vị dự định vay.

    Tìm hiểu cách tính tỷ lệ nợ trên thu nhập. 


    Chứng thư tịch thu nhà (Deed-in-lieu of foreclosure)

    Chứng thư tịch thu nhà là một thỏa thuận, trong đó quý vị tự nguyện chuyển quyền sở hữu nhà của mình cho người cho vay để tránh quá trình tịch thu tài sản thế chấp. Nhờ chứng thư tịch thu nhà, quý vị có thể tránh phải chịu trách nhiệm cá nhân đối với bất kỳ số tiền nào còn lại trong khoản thế chấp. Nếu quý vị sống ở một tiểu bang mà mình phải chịu trách nhiệm về bất kỳ khoản thiếu hụt nào (khoản chênh lệch giữa giá trị tài sản của quý vị và số tiền quý vị còn nợ trong khoản vay khi mua nhà), quý vị sẽ muốn yêu cầu người cho vay từ bỏ khoản thiếu hụt đó. Nếu người cho vay từ bỏ khoản thiếu hụt, hãy ghi nhận sự từ bỏ này bằng văn bản và giữ trong hồ sơ của quý vị. Chứng thư tịch thu nhà là một loại giảm thiểu tổn thất.


    Quá hạn (Delinquent)

    Quá hạn là một thuật ngữ khác để chỉ việc quý vị thanh toán trễ hạn. Khoản vay sẽ trở nên quá hạn khi quý vị bỏ lỡ thanh toán hoặc không thanh toán đầy đủ trước ngày đáo hạn. Sau khi quý vị quá hạn trong khoảng thời gian nhất định, người cho vay hoặc công ty dịch vụ thế chấp có thể bắt đầu quá trình tịch thu tài sản thế chấp. Khoảng thời gian này có thể khác nhau, tùy theo tiểu bang.

    Các quy tắc liên bang cũng có thể áp dụng khi bắt đầu tịch thu tài sản thế chấp. Tìm hiểu thêm về các lựa chọn của quý vị nếu quý vị không thể trả khoản vay thế chấp.


    Tính năng đòi nợ (Demand feature)

    Tờ khai báo ký kết khoản vay thế chấp có một tuyên bố với nội dung “Khoản vay của quý vị có tính năng đòi nợ”, có thể được chọn là “có” hoặc “không”. Tính năng đòi nợ cho phép người cho vay yêu cầu trả nợ trước hạn.

    Đọc thêm (bằng tiếng Anh)


    Tiền trả trước (Down payment)

    Tiền trả trước là số tiền quý vị trả ngay cho căn nhà. Quý vị trả ngay một tỷ lệ phần trăm giá trị của căn nhà và vay phần còn lại thông qua khoản vay thế chấp. Nói chung, quý vị trả trước càng nhiều tiền, lãi suất nhận được càng thấp và càng có nhiều khả năng được chấp thuận cho vay.

    Tìm hiểu thêm về cách xác định tiền trả trước.


    Chương trình hoặc trợ cấp hỗ trợ tiền trả trước (Down payment programs or grants)

    Chương trình hoặc trợ cấp hỗ trợ tiền trả trước thường đề cập đến sự hỗ trợ do tổ chức như chính phủ hoặc cơ quan phi lợi nhuận cung cấp cho người mua nhà để trợ giúp họ trả trước khi mua nhà. Các khoản tiền này có thể cung cấp dưới dạng trợ cấp hoàn toàn hoặc có thể yêu cầu hoàn trả, chẳng hạn như khi bán nhà.

    Tìm hiểu nơi quý vị có thể nhận thông tin về chương trình hoặc trợ cấp hỗ trợ tiền trả trước.


    Tiền đặt cọc (Earnest money)

    Tiền đặt cọc là khoản tiền ký quỹ mà người mua trả để thể hiện thiện chí đối với thỏa thuận hợp đồng đã ký để mua nhà. Tiền đặt cọc do người bán hoặc bên thứ ba như nhà môi giới bất động sản hoặc công ty chứng thư giữ. Nếu giao dịch mua bán nhà hoàn tất hoặc “ký kết” xong, tiền đặt cọc có thể được dùng để trả cho lệ phí để hoàn tất giao dịch bất động sản hoặc tiền trả trước. Nếu hợp đồng bị chấm dứt vì lý do chính đáng, tiền đặt cọc sẽ được trả lại cho người mua. Nếu người mua không thực hiện một cách thiện chí, tiền đặt cọc có thể bị tịch thu và trả cho người bán.Tìm hiểu thêm về quá trình mua nhà.


    Vốn chủ sở hữu (Equity)

    Vốn chủ sở hữu là giá trị hiện tại của tài sản quý vị có trừ đi tiền thế chấp hiện có trên tài sản của quý vị.

    Tìm hiểu xem khoản vay tiền vốn từ căn nhà đang trả góp là gì.


    Tài khoản ký quỹ (Escrow)

    Tài khoản ký quỹ do người cho vay thiết lập để thanh toán một số chi phí liên quan đến tài sản, như thuế tài sản và bảo hiểm nhà. Một phần thanh toán hàng tháng của quý vị được chuyển vào tài khoản này. Nếu khoản vay thế chấp của quý vị không có tài khoản ký quỹ, quý vị sẽ thanh toán trực tiếp các chi phí liên quan đến tài sản.

    Tìm hiểu thêm về cách chứng thư ủy thác giữ làm bằng chứng cho 2 bên ảnh hưởng đến khoản thanh toán tiền vay thế chấp hàng tháng.


    Fannie Mae

    Quỹ Thế Chấp Nhà Ở Quốc Gia Liên Bang (Fannie Mae) mua và bảo đảm các khoản thế chấp từ các tổ chức cho vay nhằm nỗ lực tăng cường cách thức cho vay hợp lý. Fannie Mae không phải là cơ quan liên bang. Đây là doanh nghiệp được chính phủ tài trợ dưới sự giám sát của Cơ Quan Tài Chính Nhà Ở Liên Bang (FHFA).

    Tìm hiểu thêm về các khoản vay không do chính phủ hỗ trợ.


    Lệ phí vay vốn của FHA (FHA funding fee)

    Cục Quản Lý Nhà Ở Liên Bang (FHA) yêu cầu lệ phí vay vốn của FHA và phí bảo hiểm hàng tháng (MIP) cho hầu hết các chương trình dành cho nhà biệt lập. Phí bảo hiểm khoản vay trả trước này đôi khi gọi là Phí bảo hiểm khoản vay trả trước (UFMIP).

    Tìm hiểu xem khoản vay thế chấp FHA có phù hợp với quý vị hay không.


    Khoản vay FHA (FHA loan)

    Khoản vay FHA là khoản vay từ người cho vay tư nhân do Cơ Quan Quản Lý Nhà Ở Liên Bang (FHA) quản lý và bảo hiểm. Khoản vay FHA khác với các khoản vay không do chính phủ hỗ trợ vì cho phép điểm tín dụng thấp hơn và khoản trả trước thấp tới 3,5% tổng số tiền vay. Số tiền cho vay tối đa khác nhau, tùy theo quận.

    Tìm hiểu về khoản vay FHA và các lựa chọn khoản vay mua nhà khác.


    Giới hạn vay thế chấp FHA (FHA mortgage limits)

    Giới hạn vay thế chấp FHA là giới hạn số tiền đối với các khoản vay thế chấp đủ điều kiện mà FHA sẽ bảo hiểm trong chương trình thế chấp nhà biệt lập. Các giới hạn này dựa trên vị trí và có thể sửa đổi hàng năm.

    Sử dụng công cụ của FHA để tra cứu các giới hạn cho vay cấp quận của quý vị . 


    Phí vay nợ trả góp (Finance charge)

    Phí vay nợ trả góp là tổng số tiền lãi và phí vay mà quý vị phải trả trong toàn bộ thời hạn của khoản vay thế chấp.

    Đọc thêm (bằng tiếng Anh)


    Chương trình cho vay dành cho người mua nhà lần đầu (First-time home buyers (FTHB) loan programs)

    Người mua nhà lần đầu (FTHB) có thể sử dụng một số loại chương trình cho vay khác nhau để mua căn nhà đầu tiên của mình. Các khoản vay FTHB phổ biến bao gồm chương trình do FHA, VA, USDA, Fannie Mae và Freddie Mac cung cấp với khoản trả trước thấp. Một số chương trình xác định FTHB là người chưa mua nhà trong vòng từ ba năm trở lên.

    Tìm hiểu các lựa chọn cho vay của quý vị. 


    Vay thế chấp lãi suất cố định (Fixed-rate mortgage)

    Vay thế chấp lãi suất cố định là một loại khoản vay mua nhà, trong đó lãi suất được ấn định khi quý vị vay tiền và sẽ không thay đổi trong suốt thời hạn của khoản vay.

    Tìm hiểu thêm về cách hoạt động của khoản vay thế chấp lãi suất cố định và những nội dung cần cân nhắc. 


    Hoãn trả nợ tạm thời (Forbearance)

    Hoãn trả nợ tạm thời là khi công ty dịch vụ thế chấp cho phép quý vị tạm thời thanh toán khoản vay thế chấp của mình với mức lãi suất thấp hơn hoặc tạm thời ngừng thanh toán khoản vay thế chấp của quý vị. Công ty dịch vụ thế chấp có thể cho quý vị hoãn trả nợ nếu - chẳng hạn như gần đây quý vị bị mất việc, bị tai nạn hoặc bị bệnh hay thương tích làm tăng chi phí chăm sóc sức khỏe của quý vị. Hoãn trả nợ tạm thời là một loại giảm thiểu tổn thất.

    Tìm hiểu thêm về hoãn trả nợ tạm thời khoản vay thế chấp

    Tùy vào loại khoản vay mình có, quý vị có thể có các lựa chọn hoãn trả nợ tạm thời khác nhau. Quý vị phải liên hệ với công ty làm dịch vụ cho vay để yêu cầu được hoãn trả nợ tạm thời. Lưu ý rằng quý vị sẽ phải bù đắp các khoản thanh toán bị thiếu hoặc bị lỡ này khi thời gian hoãn trả nợ tạm thời kết thúc.


    Bảo hiểm bắt buộc (Force-placed insurance)

    Công ty dịch vụ thế chấp có thể yêu cầu bảo hiểm bắt buộc khi quý vị không có chính sách bảo hiểm của riêng mình hoặc nếu chính sách của riêng quý vị không đáp ứng các yêu cầu của công ty dịch vụ thế chấp. Bảo hiểm bắt buộc thường chỉ bảo vệ người cho vay, chứ không phải quý vị. Công ty dịch vụ thế chấp sẽ tính phí bảo hiểm cho quý vị. Bảo hiểm bắt buộc thường đắt hơn so với việc tự quý vị tìm mua hợp đồng bảo hiểm.


    Tịch thu tài sản thế chấp (Foreclosure)

    Tịch thu tài sản thế chấp là khi người cho vay hoặc công ty dịch vụ thế chấp lấy lại tài sản sau khi người chủ nhà không thanh toán khoản vay thế chấp. Ở một số tiểu bang, người cho vay phải ra tòa để tịch thu tài sản của quý vị (tịch biên tài sản), nhưng các tiểu bang khác không yêu cầu có thủ tục tòa án (tịch thu tài sản thế chấp mà không cần có phán quyết của tòa án). Nói chung, người vay phải được thông báo nếu người cho vay hoặc công ty dịch vụ thế chấp bắt đầu thủ tục tịch thu tài sản thế chấp. Các quy tắc liên bang cũng có thể áp dụng khi bắt đầu tịch thu tài sản thế chấp.

    Nếu quý vị lo lắng về việc bị tịch thu tài sản thế chấp, hãy tìm hiểu cách nhận trợ giúp.


    Freddie Mac

    Tập Đoàn Thế Chấp Cho Vay Mua Nhà Liên Bang (Freddie Mac) là công ty tư nhân do Quốc Hội thành lập. Nhiệm vụ của tập đoàn này là thúc đẩy tính ổn định và giá cả phải chăng trong thị trường nhà ở bằng cách mua khoản thế chấp từ ngân hàng và các nhà cho vay khác. Tập đoàn Freddie Mac hiện đang được quản lý, dưới sự chỉ đạo của Cơ Quan Tài Chính Nhà Ở Liên Bang (FHFA).

    Tìm hiểu thêm về các khoản vay không do chính phủ hỗ trợ. 


    Tài Liệu Ước Tính Tiền Trả Góp Khi Vay Thế Chấp (Good Faith Estimate)

    Tài Liệu Ước Tính Tiền Trả Góp Khi Vay Thế Chấp (GFE) là mẫu đơn mà người cho vay phải cung cấp cho quý vị khi quý vị nộp đơn xin thế chấp ngược. GFE liệt kê thông tin cơ bản về các điều khoản của đề nghị cho vay thế chấp ngược.  

    Tìm hiểu thời điểm quý vị nhận được Tài Liệu Ước Tính Tiền Trả Góp Khi Vay Thế Chấp. 


    Phí lưu giữ hồ sơ của chính phủ (Government recording charges)

    Phí lưu giữ hồ sơ của chính phủ là phí do các cơ quan chính quyền tiểu bang và địa phương tính cho việc lưu giữ hợp pháp chứng thư, thế chấp và các tài liệu liên quan đến khoản vay mua nhà của quý vị.

    Đọc thêm (bằng tiếng Anh)

    Khoản vay thế chấp có giá cao hơn (Higher-priced mortgage loan)

    Nói chung, khoản vay thế chấp có giá cao hơn là khoản vay có mức lãi suất theo phần trăm mỗi năm (hay APR) cao hơn mức chuẩn (gọi là Mức Lãi Suất Ưu Đãi Chính Trung Bình).

    Đọc thêm (bằng tiếng Anh)

    Phí quản lý của HOA (HOA dues)

    Nếu quan tâm đến việc mua chung cư, hợp tác xã nhà ở hoặc nhà trong khu được quy hoạch hoặc cộng đồng có tổ chức khác dùng chung các dịch vụ, quý vị thường phải trả lệ phí khu chung cư hoặc phí quản lý của Hiệp Hội Chủ Nhà (HOA). Các khoản phí này khác nhau đáng kể. Lệ phí khu chung cư hoặc phí quản lý của HOA thường thanh toán riêng với khoản thanh toán thế chấp hàng tháng. Nếu không trả các khoản phí này, quý vị có thể phải đối mặt với các nỗ lực thu nợ của hiệp hội chủ nhà và thậm chí bị tịch thu nhà.

    Tìm hiểu thêm về quá trình mua nhà.


    Thẩm định nhà (Home appraisal)

    Thẩm định là tài liệu bằng văn bản, cho thấy ý kiến về giá trị của một tài sản. Quá trình thẩm định cung cấp cho quý vị thông tin hữu ích về tài sản. Quá trình này mô tả giá trị tài sản và có thể so sánh tài sản đó với các tài sản khác trong vùng lân cận. Thẩm định là đánh giá độc lập về giá trị của tài sản.

    Tìm hiểu thêm về lý do việc thẩm định lại quan trọng. 


    Hạn mức tín dụng cho vốn chủ sở hữu (Home equity line of credit - HELOC)

    Hạn mức tín dụng cho vốn chủ sở hữu (HELOC) là hạn mức tín dụng cho phép quý vị vay dựa trên phần vốn quý vị có trong tài sản. Vốn chủ sở hữu là giá trị hiện tại của tài sản quý vị có trừ đi tiền thế chấp hiện tại trên tài sản của quý vị. Không giống như khoản vay tiền vốn từ căn nhà đang trả góp, HELOC thường có lãi suất có thể điều chỉnh. Đối với hầu hết các HELOC, quý vị sẽ nhận được ngân phiếu đặc biệt hoặc thẻ tín dụng và có thể vay tiền trong thời gian nhất định kể từ khi mở tài khoản. Khoảng thời gian này gọi là “thời hạn rút tiền vay”. Trong thời hạn này, quý vị có thể vay tiền và phải thực hiện các khoản thanh toán tối thiểu. Khi “thời hạn rút tiền vay” kết thúc, quý vị sẽ không thể vay tiền từ hạn mức tín dụng của mình nữa. Sau khi thời hạn nói trên kết thúc, quý vị có thể cần thanh toán cùng lúc toàn bộ số dư nợ của mình hoặc có thể được phép hoàn trả trong khoảng thời gian nhất định. Nếu quý vị không thể trả lại HELOC, người cho vay có thể tịch thu nhà của quý vị.


    Vay tiền vốn từ căn nhà đang trả góp (Home equity loan)

    Khoản vay tiền vốn từ căn nhà đang trả góp (đôi khi gọi là HEL) cho phép quý vị vay tiền bằng cách sử dụng vốn chủ sở hữu nhà của quý vị làm tài sản thế chấp. Vốn chủ sở hữu là giá trị hiện tại của tài sản quý vị có trừ đi tiền vay thế chấp hiện có trên tài sản của quý vị. Quý vị nhận được tiền từ khoản vay tiền vốn từ căn nhà đang trả góp dưới dạng gộp một lần. Khoản vay tiền vốn từ căn nhà đang trả góp thường có lãi suất cố định, tức là sẽ không thay đổi. Nếu quý vị không thể trả lại HEL, người cho vay có thể tịch thu nhà của quý vị.  


    Kiểm định nhà (Home inspection)

    Quá trình mua nhà thường có bước kiểm định nhà. Quý vị thường có quyền thuê kiểm định viên nhà để kiểm tra tài sản nhằm chỉ ra những điểm mạnh và điểm yếu của nhà đó. Quá trình này đặc biệt hữu ích khi quý vị cần kiểm tra các hệ thống cơ khí cũng như cấu trúc của ngôi nhà, bao gồm hệ thống sưởi, thông gió, điều hòa không khí và điện.

    Tìm hiểu cách hẹn lịch kiểm định. 


    Hiệp Hội Chủ Nhà (Homeowners’ Association - HOA)

    Hiệp Hội Chủ Nhà (HOA) vốn được thành lập để quản lý các chi phí chung như cảnh quan và chi phí bảo trì khác cho phân khu quy hoạch hoặc cộng đồng có tổ chức khác. HOA chung cư đảm nhận nhiều trách nhiệm hơn, chẳng hạn như bảo trì đường lái xe vào nhà, cấu trúc chung và mái nhà.

    Nhận thêm thông tin về cách HOA có thể xuất hiện trên bảng sao kê thế chấp. 


    Bảo hiểm nhà (Homeowner's insurance)

    Bảo hiểm nhà trả cho những tổn thất và thiệt hại cho tài sản của quý vị nếu có điều gì đó bất ngờ xảy ra, chẳng hạn như hỏa hoạn hoặc trộm cắp. Khi quý vị vay thế chấp, người cho vay muốn đảm bảo rằng tài sản của quý vị được bảo hiểm bảo vệ. Đó là lý do người cho vay thường yêu cầu bằng chứng cho thấy quý vị có bảo hiểm nhà. Bảo hiểm nhà không giống với bảo hiểm thế chấp.

    Tìm hiểu thêm về quy trình mua nhà.


    Giá mua nhà (Home purchase price)

    Giá mua nhà là số tiền mà người mua và người bán đồng ý trả cho người bán để mua nhà.

    Learn more about finding the right home. 


    HUD

    Bộ Phát Triển Nhà và Đô Thị (HUD) là cơ quan chính phủ giúp mọi người có được và duy trì nhà ở chất lượng với giá cả phải chăng. Họ đào tạo và tài trợ cho các cố vấn viên về nhà ở trên khắp đất nước. Cơ quan cố vấn về nhà ở được HUD phê duyệt có thể tư vấn mua nhà để quý vị hiểu và đánh giá các lựa chọn của mình.

    Tìm cơ quan cố vấn về nhà ở được HUD phê duyệt.


    Văn bản thỏa thuận HUD-1 (HUD-1 settlement statement)

    Văn Bản Thỏa Thuận HUD-1 liệt kê tất cả các khoản phí và khoản tín dụng cho người mua và người bán trong cuộc thỏa thuận về bất động sản hoặc tất cả các loại phí trong khoản vay lại khoản thế chấp. Quý vị nhận được HUD-1 nếu đăng ký thế chấp ngược hoặc đăng ký thế chấp vào hay trước ngày 3 tháng 10 năm 2015.

    Tìm hiểu khi nào quý vị sẽ nhận được HUD-1. 


    Chỉ số (Index)

    Chỉ số này là mức lãi suất chuẩn, phản ánh các điều kiện chung của thị trường. Chỉ số thay đổi dựa trên thị trường. Thay đổi trong chỉ số - cùng khoản vay ký quỹ - xác định thay đổi về lãi suất đối với khoản vay thế chấp với lãi suất được điều chỉnh.

    Hiểu cách yếu tố chỉ số ảnh hưởng đến lãi suất của khoản vay thế chấp với lãi suất được điều chỉnh.


    Mức trần điều chỉnh ban đầu (Initial adjustment cap)

    Mức trần điều chỉnh ban đầu thường kết hợp với khoản vay thế chấp với lãi suất được điều chỉnh (ARM). Mức trần này xác định mức lãi suất có thể tăng trong lần điều chỉnh đầu tiên sau khi hết thời hạn lãi suất cố định. Thông thường, mức trần nói trên là 2 hoặc 5% - nghĩa là ở lần thay đổi lãi suất đầu tiên, mức lãi mới không thể cao hơn 2% (hoặc 5%) điểm so với mức lãi ban đầu trong thời hạn lãi suất cố định.

    Hiểu cách yếu tố chỉ số ảnh hưởng đến lãi suất của khoản vay thế chấp với lãi suất được điều chỉnh.


    Tiền gửi ký quỹ ban đầu (Initial escrow deposit)

    Tiền gửi ký quỹ ban đầu là số tiền quý vị sẽ trả tại bước cuối cùng trong giao dịch bất động sản để bắt đầu tài khoản ký quỹ của mình, nếu người cho vay của quý vị yêu cầu.

    Đọc thêm (bằng tiếng Anh)


    Khoản vay chỉ trả lãi (Interest-only loan)

    Vay thế chấp chỉ trả lãi là khoản vay có các khoản trả theo lịch trình, yêu cầu quý vị chỉ trả lãi trong khoảng thời gian nhất định.

    Đọc thêm (bằng tiếng Anh)


    Lãi suất (Interest rate)

    Lãi suất cho khoản vay thế chấp là chi phí quý vị sẽ trả mỗi năm để vay tiền, biểu thị bằng tỷ lệ phần trăm. Lãi suất này không phản ánh phí hoặc bất kỳ khoản phí nào khác mà quý vị có thể phải trả cho khoản vay. Ví dụ: Nếu khoản vay mua nhà là $100.000 đô la với lãi suất 4%, người tiêu dùng đó đã đồng ý trả $4.000 cho mỗi năm họ vay hoặc nợ toàn bộ số tiền đó.

    Khám phá lãi suất tại khu vực của quý vị. 


    Mức trần lãi suất (Interest rate cap)

    Mức trần lãi suất - đôi khi gọi là mức trần hàng năm - là mức tăng lãi suất tối đa có thể xảy ra hàng năm đối với khoản vay thế chấp với lãi suất được điều chỉnh (ARM), ngay cả khi lãi suất sẽ tăng nhiều hơn theo lãi suất thị trường. Ví dụ: Nếu mức trần này là 2%, mức lãi mới không được cao hơn mức lãi trước đó quá 2%.

    Hiểu cách người cho vay sử dụng chỉ số và biên để điều chỉnh lãi suất của quý vị. 


    Khoản vay lớn (Jumbo loan)

    Mỗi năm, Fannie Mae, Freddie Mac và cơ quan quản lý của họ là Cơ Quan Tài Chính Nhà Ở Liên Bang (FHFA) ấn định số tiền tối đa cho các khoản vay mà họ sẽ mua từ những người cho vay.

    Đọc thêm (bằng tiếng Anh) 


    Bảo hiểm chứng thư của người cho vay (Lenders title insurance)

    Bảo hiểm chứng thư của người cho vay bảo vệ người cho vay khỏi các vấn đề liên quan đến quyền sở hữu tài sản của quý vị - chẳng hạn như khi ai đó có khiếu nại pháp lý đối với ngôi nhà. Bảo hiểm chứng thư của người cho vay chỉ bảo vệ người cho vay trước các vấn đề liên quan đến quyền sở hữu. Để tự bảo vệ mình, quý vị có thể muốn mua bảo hiểm chứng thư của chủ sở hữu.

    Đọc thêm (bằng tiếng Anh) 


    Lãi suất trần có điều chỉnh trong thời hạn vay (Lifetime adjustment cap)

    Lãi suất trần có điều chỉnh trong thời hạn vay thường sử dụng với khoản vay thế chấp với lãi suất được điều chỉnh (ARM). Mức trần này này xác định mức lãi suất có thể tăng tổng cộng là bao nhiêu, trong suốt thời hạn của khoản vay. Ví dụ: Nếu mức trần này là 5%, nghĩa là mức lãi không bao giờ có thể cao hơn 5% so với mức lãi ban đầu. Một số người cho vay có thể có lãi suất trần khác hoặc cao hơn.

    Hiểu cách yếu tố chỉ số ảnh hưởng đến khoản vay thế chấp với lãi suất được điều chỉnh.


    Cưỡng chế khoản vay (Loan assumption)

    Cưỡng chế khoản vay xảy ra khi người mua tiếp nhận khoản thế chấp từ người bán khi họ mua nhà của người bán. Người mua tiếp quản số dư còn lại trong khoản thế chấp của người bán, theo điều khoản cho vay ban đầu—ví dụ: lãi suất và thời hạn còn lại của khoản thế chấp. Cưỡng chế khoản vay có thể phù hợp khi khoản thế chấp mới đang với lãi suất cao hơn so với khi người bán ban đầu vay thế chấp của họ.

    Khoản chênh lệch giữa giá bán căn nhà và số dư trên khoản vay cưỡng chế bằng với số tiền mà người mua phải trả tiền túi hoặc bằng cách vay thế chấp của chính họ.

    Để tiếp nhận khoản vay thế chấp, người mua nhà cần đủ điều kiện cho việc cưỡng chế khoản vay. Khả năng đủ điều kiện thường dựa trên kết quả xem xét tín dụng và thu nhập của người mua, tương tự như khả năng đủ điều kiện vay khoản thế chấp mới

    Cưỡng chế khoản vay cũng có thể áp dụng khi quý vị nhận được quyền sở hữu tài sản có thế chấp – ví dụ: sau khi qua đời hoặc ly hôn.


    Hoãn khoản vay (Loan deferment)

    Người vay đang gặp khó khăn trong việc thanh toán khoản thế chấp thường có quyền yêu cầu bên dịch vụ thế chấp giúp đỡ. Bên dịch vụ có thể đồng ý hoãn khoản vay, qua đó tạo điều kiện cho người vay tránh bị tịch thu tài sản thế chấp bằng cách hoãn các khoản thanh toán thế chấp quá hạn. Số tiền hoãn trả đến hạn khi người vay vay lại khoản vay, bán nhà, hoặc khoản thế chấp kết thúc theo cách khác.


    Ước tính khoản vay (Loan estimate)

    Ước Tính Khoản Vay là mẫu đơn dài 3 trang mà quý vị sẽ nhận được sau khi đăng ký vay mua nhà.  

    Đọc thêm (bằng tiếng Anh) 


    Điều chỉnh khoản vay (Loan modification)

    Điều chỉnh khoản vay mua nhà là sự thay đổi trong các điều khoản cho vay. Việc điều chỉnh là một loại giảm thiểu tổn thất. Cách thức này có thể giảm khoản tiền trả hàng tháng của quý vị xuống mức quý vị có khả năng trả. Hoạt động điều chỉnh có thể liên quan đến việc kéo dài số năm quý vị phải trả khoản vay, giảm lãi suất và/hoặc hoãn hoặc giảm số dư nợ gốc của quý vị. Nếu quý vị được đề nghị điều chỉnh khoản vay, hãy đảm bảo mình biết rõ việc này sẽ thay đổi khoản chi trả hàng tháng của quý vị ra sao, cũng như tổng số tiền quý vị sẽ nợ ngắn hạn và dài hạn.

    Tìm hiểu thêm về việc điều chỉnh khoản vay mua nhà


    Tỉ số vay trên giá trị (Loan-to-value ratio)

    Tỉ số vay trên giá trị (LTV) là thước đo so sánh số tiền vay thế chấp với giá trị thẩm định của tài sản. Quý vị đặt cọc càng nhiều tiền, tỷ số LTV càng thấp. Người cho vay có thể sử dụng LTV để quyết định có cho quý vị vay hay không và để xác định xem có cần bảo hiểm khoản vay riêng không.  

    Tìm hiểu xem tỉ số vay trên giá trị liên quan như thế nào đến chi phí của quý vị. 


    Giảm thiểu tổn thất (Loss mitigation)

    Giảm thiểu tổn thất đề cập đến các bước mà người làm dịch vụ thế chấp thực hiện để làm việc với người vay thế chấp nhằm tránh bị tịch thu tài sản thế chấp. Giảm thiểu tổn thất đề cập đến trách nhiệm của người làm dịch vụ trong việc giảm thiểu hoặc “giảm nhẹ” tổn thất cho nhà đầu tư có thể đến từ việc tịch thu tài sản thế chấp. Một số lựa chọn giảm thiểu tổn thất có thể giúp quý vị ở lại nhà của mình. Các lựa chọn khác có thể giúp quý vị rời khỏi nhà mà không bị tịch thu tài sản thế chấp. Các lựa chọn giảm thiểu tổn thất có thể bao gồm chứng thư tịch thu nhà, hoãn trả nợ tạm thời, kế hoạch trả nợ, bán thanh lý, or a điều chỉnh khoản vay. 

    Nếu quý vị gặp khó khăn khi trả khoản vay thế chấp hoặc nếu quý vị đã được đề nghị và đang xem xét các lựa chọn giảm thiểu tổn thất khác nhau, hãy liên hệ với cơ quan cố vấn về nhà cửa được Bộ Phát Triển Nhà và Đô Thị (HUD) phê duyệt. 

    Quý vị có thể sử dụng công cụ "Find a Counselor" (Tìm Cố Vấn Viên) của CFPB để nhận danh sách cơ quan cố vấn về nhà cửa trong khu vực của quý vị đã được HUD chấp thuận. Quý vị cũng có thể gọi đến Đường Dây Nóng HOPE™, trực 24 giờ/ngày, 7 ngày/tuần, theo số (888) 995-HOPE (4673). 


    Biên (Margin)

    Biên là số điểm phần trăm do người cho vay thêm vào chỉ số để đặt lãi suất cho khoản tiền trả thế chấp với lãi suất được điều chỉnh (ARM) sau khi thời hạn lãi suất ban đầu kết thúc. Biên được ấn định trong hợp đồng cho vay và sẽ không thay đổi sau khi hoàn tất giao dịch. Số tiền biên phụ thuộc vào người cho vay và khoản vay cụ thể.  

    Hiểu cách yếu tố biên ảnh hưởng đến khoản vay thế chấp với lãi suất được điều chỉnh. 


    Chi phí hàng tháng (Monthly expenses)

    Đây là số tiền quý vị chi tiêu hàng tháng. Trong đó có thể bao gồm, nhưng không giới hạn ở các nghĩa vụ định kỳ như tiền thuê nhà hoặc khoản tiền trảthế chấp, tiện ích, tiền xe, tiền hỗ trợ nuôi con và trả bảo hiểm, cũng như nhu yếu phẩm như thực phẩm. Hầu hết những nghĩa vụ này sẽ có ngày đáo hạn cố định.

    Đánh giá chi phí hàng tháng bằng công cụ theo dõi chi tiêu này. 


    Thế chấp (Mortgage)

    Thế chấp là thỏa thuận giữa quý vị và người cho vay, cho phép quý vị vay tiền mua hoặc vay lại để mua nhà, đồng thời trao cho người cho vay quyền lấy tài sản của quý vị nếu quý vị không trả được số tiền đã vay.

    Nếu quý vị đã sẵn sàng để vay thế chấp, hãy tìm hiểu thêm về việc mua nhà. 


    Danh sách liệt kê việc hoàn thành vay thế chấp (Mortgage closing checklist)

    Danh sách liệt kê việc hoàn thành vay thế chấp là danh sách gồm các bước quý vị có thể thực hiện để chuẩn bị và tìm hiểu những gì sẽ xảy ra.Danh sách này sẽ giúp quý vị xác định những câu hỏi chính cần hỏi trước để quý vị có thể tự tin hoàn thành giao dịch.

    Sử dụng bảng tính này để chuẩn bị cho bước cuối cùng trong giao dịch bất động sản. 


    Lệ phí để hoàn thành giao dịch bất động sản (Mortgage closing costs)

    Lệ phí để hoàn thành giao dịch bất động sản là tất cả các chi phí quý vị sẽ trả khi hoàn thành giao dịch. Trong đó bao gồm phí khởi tạo, phí thẩm định, chi phí cho bản báo cáo điểm và lịch sử dùng tín dụng, phí bảo hiểm chứng thư, cũng như bất kỳ khoản phí nào khác mà người cho vay yêu cầu hoặc được trả trong giao dịch thế chấp bất động sản. Người cho vay cần cung cấp bản tóm tắt những chi phí này cho quý vị trong Ước Tính Khoản Vay.

    Tìm hiểu thêm về những gì xảy ra ở bước cuối cùng trong giao dịch bất động sản. 


    Bảo hiểm khoản vay (Mortgage insurance)

    Bảo hiểm khoản vay bảo vệ người cho vay nếu quý vị trả chậm trễ. Bảo hiểm khoản vay thường được yêu cầu nếu quý vị đặt cọc tiền ít hơn 20% giá trị tài sản. Bảo hiểm khoản vay cũng thường được yêu cầu đối với các khoản vay FHA và USDA. Tuy nhiên, nếu quý vị có khoản vay không do chính phủ hỗ trợ và tiền đặt cọc dưới 20%, rất có thể quý vị sẽ có bảo hiểm khoản vay thế chấp riêng (PMI).  

    Hiểu cách bảo hiểm vay thế chấp hoạt động 


    Điều chỉnh khoản vay thế chấp (Mortgage loan modification)

    Điều chỉnh khoản vay thế chấp là sự thay đổi trong các điều khoản cho vay. Việc điều chỉnh này là một loại giảm thiểu tổn thất.

    Đọc thêm (bằng tiếng Anh) 


    Vay lại khoản thế chấp (Mortgage refinance)

    Vay lại khoản thế chấp là khi quý vị vay một khoản vay mới để trả hết và thay thế khoản vay cũ của mình. Những lý do phổ biến để vay lại là giảm lãi suất hàng tháng, giảm khoản tiền trả thế chấp hoặc vay thêm tiền. Khi vay lại, quý vị thường phải trả phí và lệ phí để hoàn thành giao dịch bất động sản. Nếu quý vị vay lại và nhận được khoản tiền trả hàng tháng thấp hơn, hãy đảm bảo rằng quý vị hiểu mức giảm là bao nhiêu từ lãi suất thấp hơn và khi thời hạn vay dài hơn.

    Hướng Dẫn Vay Lại Khoản Thế Chấp Dành Cho Người Tiêu Dùng




    Kỳ hạn vay thế chấp (Mortgage term)

    Kỳ hạn của khoản vay thế chấp là khoảng thời gian quý vị phải hoàn trả khoản vay. Đối với hầu hết các loại nhà, kỳ hạn vay thường là 15, 20 hoặc 30 năm.

    Khám phá các lựa chọn kỳ hạn vay. 


    Phí Khởi Tạo (Origination Fee)

    Phí khởi tạo là những gì người cho vay tính phí cho người vay để thực hiện khoản vay thế chấp.Phí khởi tạo có thể bao gồm việc xử lý đơn đăng ký, bảo lãnh phát hành và cấp vốn cho khoản vay cũng như các dịch vụ hành chính khác. Phí khởi tạo nói chung chỉ có thể tăng trong một số trường hợp nhất định.

    Tìm hiểu thêm về chi phí khởi tạo thế chấp. 


    Bảo hiểm chứng thư của chủ sở hữu (Owner's title insurance)

    Bảo hiểm chứng thư của chủ sở hữu bảo vệ người chủ nhà nếu ai đó kiện và nói rằng họ có yêu cầu bồi thường từ giá trị của ngôi nhà từ trước khi chủ nhà mua nhà đó.

    Đọc thêm (bằng tiếng Anh)


    Tài trợ vốn PACE (Pace financing)

    Tài trợ vốn PACE cung cấp cách tài trợ vốn để cải thiện khả năng sử dụng năng lượng hiệu quả của nhà ở.  

    Đọc thêm (bằng tiếng Anh)


    Yêu cầu bồi thường một phần (Partial claim)

    Yêu cầu bồi thường một phần là cách sử dụng bảo hiểm thế chấp để giúp chủ nhà đang gặp khó khăn tránh bị tịch thu tài sản thế chấp. Công ty dịch vụ thế chấp đưa ra yêu cầu đối với bảo hiểm thế chấp cho số tiền của bất kỳ khoản thanh toán thế chấp nào còn nợ và công ty bảo hiểm sẽ dành số tiền đó trong tài khoản riêng. Sau đó, khi người vay vay lại khoản thế chấp, bán nhà hoặc chấm dứt khoản thế chấp, số tiền yêu cầu bồi thường một phần sẽ được thanh toán cho bên dịch vụ thế chấp. Đôi khi, số tiền yêu cầu bồi thường một phần không bao gồm toàn bộ số tiền chưa thanh toán và trong những trường hợp đó, người vay phải trả phần chênh lệch.


    Số tiền trả hết (Payoff amount)

    Số tiền trả hết là số tiền quý vị thực sự phải trả để đáp ứng điều khoản của khoản vay thế chấp và trả hết nợ. Số tiền trả hết khác với số dư nợ hiện tại. Số dư nợ hiện tại có thể không phản ánh số tiền quý vị thực sự phải trả để đáp ứng đầy đủ khoản vay. Số tiền trả hết cũng bao gồm việc trả bất kỳ khoản lãi nào quý vị nợ cho đến ngày quý vị dự định trả hết khoản vay. Số tiền trả hết còn có thể bao gồm các khoản phí khác quý vị đã phát sinh và chưa trả. 


    Yêu cầu PCS (PCS orders)

    Quân nhân tại ngũ có thể cần thay đổi trạm vĩnh viễn (PCS). Yêu cầu PCS là sự di dời chính thức của một quân nhân (và bất kỳ gia đình nào sống cùng họ) đến một vị trí phục vụ quân đội khác.Nếu sở hữu nhà, quân nhân có thể chọn bán nhà đó. Nếu nợ tiền mua nhà nhiều hơn giá trị nhà, quân nhân có thể gặp khó khăn khi bán nhà của mình. Một số người làm dịch vụ cung cấp các chương trình cho phép quân nhân bán nhà và không phải trả lại số dư nợ còn lại. Truy cập nguồn lực dành cho quân nhân để biết thêm thông tin. 


    PITI

    Gốc, Lãi, Thuế, và Bảo Hiểm (gọi là PITI) là 4 yếu tố cơ bản của khoản tiền trả thế chấp hàng tháng.

    Đọc thêm (bằng tiếng Anh) 


    PMI

    Bảo Hiểm Khoản Vay Thế Chấp Riêng (PMI) là loại bảo hiểm khoản vay có lợi cho người cho vay. Quý vị có thể phải trảPMI nếu đặt cọc tiền ít hơn 20% giá trị tài sản và có khoản vay không do chính phủ hỗ trợ. Quý vị có thể hủy PMI sau khi đã tích lũy được một số tiền vốn chủ sở hữu nhất định cho nhà của mình.

    Tìm hiểu thêm về thời điểm cần PMI 


    Phí lãi trả trước (Prepaid interest charges)

    Phí lãi trả trước là các khoản phí phải trả tại bước cuối cùng trong giao dịch bất động sản, áp dụng cho bất kỳ khoản lãi hàng ngày nào tích lũy trên khoản vay từ ngày quý vị hoàn thành khoản vay mua nhà đến thời hạn trả khoản thế chấp hàng tháng đầu tiên.  

    Đọc thêm (bằng tiếng Anh)


    Phạt trả trước (Prepayment penalty)

    Phạt trả trước là khoản phí mà một số người cho vay tính nếu quý vị trả sớm hết hoặc một phần khoản thế chấp của mình. Nếu bị phạt trả trước, quý vị hẳn đã đồng ý với điều khoản này khi hoàn thành giao dịch mua nhà. Không phải khoản thế chấp nào cũng sẽ phạt trả trước.. 


    Vốn gốc (Principal)

    Vốn gốc là số tiền vay khi mua nhà mà quý vị phải trả lại. Khoản tiền trả hàng tháng bao gồm một phần vốn gốc đó. Khi trả vốn gốc, người vay nợ ít hơn và sẽ trả lãi ít hơn dựa trên quy mô khoản vay thấp hơn.

    Tìm hiểu sự khác biệt giữa lãi suất và vốn gốc. 


    Thuế tài sản (Property taxes)

    Thuế tài sản là loại thuế do chính quyền địa phương tính, thường là ở cấp quận, dựa trên giá trị của tài sản bị đánh thuế. Thông thường, thuế tài sản được thu trong khoản tiền trả thế chấp hàng tháng của chủ sở hữu nhà, sau đó trả cho cơ quan có thẩm quyền liên quan một hoặc nhiều lần mỗi năm. Đây gọi là tài khoản ký quỹ. Nếu khoản vay không có tài khoản ký quỹ, chủ nhà sẽ trả trực tiếp thuế tài sản.

    Tìm hiểu thêm về quá trình mua nhà. 


    Khoản thế chấp đạt điều kiện (Qualified mortgage)

    Khoản Thế Chấp Đạt Điều Kiện là danh mục khoản vay có một số tính năng nhất định, ổn định hơn, qua đó quý vị có nhiều khả năng trả được khoản vay của mình.

    Đọc thêm (bằng tiếng Anh)


    Yêu Cầu Bằng Văn Bản Đủ Điều Kiện (Qualified Written Request - QWR)

    Yêu Cầu Bằng Văn Bản Đủ Điều Kiện (hay QWR) là thư từ bằng văn bản mà quý vị hoặc ai đó đại diện cho quý vị có thể gửi cho người làm dịch vụ thế chấp. Thay vì QWR, quý vị cũng có thể gửi cho người làm dịch vụ Thông Báo Lỗi hoặc Yêu Cầu Thông Tin.

    Đọc thêm (bằng tiếng Anh) 


    Kế hoạch trả nợ (Repayment plan)

    Kế hoạch trả nợ là cách có cấu trúc nhằm bù đắp các khoản tiền trả vay thế chấp quý vị bỏ lỡ trong khoảng thời gian nhất định. Đây là một hình thức giảm thiểu tổn thất. Nếu quý vị gặp khó khăn khi trả tiền vay thế chấp, người cho vay hoặc người làm dịch vụ có thể cho phép quý vị tham gia kế hoạch trả nợ. Trước khi tham gia kế hoạch trả nợ, hãy đảm bảo quý vị hiểu các yêu cầu của kế hoạch này và liệu có thể thực hiện các khoản tiền trả mới hay không.


    Thế chấp ngược (Reverse mortgage)

    Thế chấp ngược cho phép chủ sở hữu nhà từ 62 tuổi trở lên vay dựa trên phần vốn khi vay thế chấp mua nhà. Hình thức này gọi là thế chấp “đảo ngược” vì, thay vì trảcho người cho vay, quý vị sẽ nhận được tiền từ người cho vay. Số tiền quý vị nhận được và tiền lãi tính cho khoản vay sẽ làm tăng số dư nợ của quý vị mỗi tháng. Hầu hết các khoản thế chấp ngược ngày nay gọi là HECM (Chuyển Đổi Thế Chấp Của Vốn Chủ Sở Hữu).

    Tìm hiểu những gì quý vị nên cân nhắc trước khi nộp đơn xin thế chấp ngược. 


    Quyền hủy bỏ (Right of rescission)

    Quyền hủy bỏ đề cập đến quyền của người tiêu dùng hủy bỏ một số loại khoản vay. Nếu đang mua một căn nhà có thế chấp, quý vị không có quyền hủy bỏ khoản vay sau khi ký kết và hoàn thành giao dịch bất động sản. Tuy nhiên, nếu đang vay lại một khoản thế chấp, quý vị có thời hạn đến nửa đêm của ngày làm việc thứ 3 sau giao dịch đó để hủy bỏ hợp đồng thế chấp. Thời hạn 3 ngày nói trên không bắt đầu cho đến khi quý vị ký hợp đồng tín dụng (thường gọi là giấy nhận nợ). Quý vị sẽ nhận mẫu Cam Kết Trung Thực Trong Cho Vay và 2 bản sao của thông báo giải thích quyền hủy bỏ của quý vị. 


    Khoản thế chấp thứ hai (Second mortgage)

    Khoản thế chấp thứ hai hoặc quyền cầm giữ không ưu tiên là khoản vay quý vị vay bằng cách sử dụng ngôi nhà của mình làm tài sản thế chấp trong khi vẫn có một khoản vay khác được đảm bảo bằng ngôi nhà của mình.

    Tìm hiểu thêm về khoản thế chấp thứ hai.


    Quyền lợi được đảm bảo (Security interest)

    Quyền lợi được đảm bảo là quyền cho phép người cho vay tịch thu nếu quý vị không trả lại số tiền mình đã vay.

    Đọc thêm (bằng tiếng Anh) 


    Sự tài trợ vốn của người bán (Seller financing)

    Sự tài trợ vốn của người bán là khoản vay mà người bán nhà của quý vị cung cấp cho quý vị.  

    Đọc thêm (bằng tiếng Anh) 


    Người làm dịch vụ (Servicer)

    Người làm dịch vụ thế chấp là công ty gửi cho quý vị văn bản thế chấp của quý vị. Người làm dịch vụ cũng xử lý các công việc hàng ngày để quản lý khoản vay của quý vị.

    Người làm dịch vụ cho vay thường xử lý các khoản thanh toán tiền vay, trả lời câu hỏi của người vay, theo dõi vốn gốc và lãi đã trả, đồng thời quản lý tài khoản ký quỹ của quý vị (nếu có). Người làm dịch vụ cho vay có thể bắt đầu tịch thu tài sản thế chấp trong một số trường hợp nhất định. Người làm dịch vụ cho vay có thể là hoặc không phải là công ty ban đầu cho quý vị vay. 


    Thế chấp chia sẻ giá trị tăng (Shared appreciation mortgage)

    Theo khoản thế chấp chia sẻ giá trị tăng, quý vị đồng ý chia cho người cho vay một phần của bất kỳ sự gia tăng nào trong giá trị căn nhà của quý vị.  

    Đọc thêm (bằng tiếng Anh) 


    Bán thanh lý (Short sale)

    Bán thanh lý là việc bán căn nhà của quý vị với giá thấp hơn số tiền quý vị nợ khi thế chấp. Bán thanh lý là giải pháp thay thế cho hình thức tịch thu tài sản, nhưng vì đây là giao dịch nên quý vị sẽ phải rời khỏi nhà của mình. Nếu người cho vay hoặc người làm dịch vụ đồng ý bán thanh lý, quý vị có thể bán nhà để trả nợ thế chấp, ngay cả khi giá bán hoặc số tiền thu được thấp hơn số dư nợ còn lại trong khoản thế chấp. Bán thanh lý là một loại giảm thiểu tổn thất. Nếu quý vị sống ở tiểu bang mà mình phải chịu trách nhiệm về bất kỳ khoản thiếu hụt nào (khoản chênh lệch giữa giá trị tài sản của quý vị và số tiền quý vị còn nợ trong khoản vay mua nhà), quý vị sẽ muốn yêu cầu người cho vay từ bỏ khoản thiếu hụt đó. Nếu người cho vay từ bỏ khoản thiếu hụt, hãy viết ra bằng văn bản và giữ trong hồ sơ của quý vị.


    Thế chấp dưới chuẩn (Subprime mortgage)

    Khi người cho vay sử dụng thuật ngữ này, họ thường muốn nói đến chương trình cho vay dành cho người vay không đủ điều kiện vay vốn chính, thường với lãi suất cao hơn.

    Tìm hiểu thêm về quá trình mua nhà. 


    Bản đồ địa hình (Survey)

    Bản đồ địa hình là bản vẽ về tài sản của quý vị, cho thấy vị trí của lô đất, ngôi nhà và bất kỳ cấu trúc nào khác, cũng như bất kỳ cải tiến nào đối với tài sản đó.

    Đọc thêm (bằng tiếng Anh)


    Phí dịch vụ chứng thư (Title service fees)

    Phí dịch vụ chứng thư nằm trong lệ phí để hoàn thành giao dịch bất động sản mà quý vị phải trả khi vay thế chấp. Khi mua nhà, quý vị sẽ nhận được tài liệu thường gọi là chứng thư, cho thấy người bán đã chuyển quyền sở hữu hợp pháp hoặc “quyền sở hữu” căn nhà cho quý vị. Phí dịch vụ chứng thư là chi phí liên quan đến việc ban hành chính sách bảo hiểm chứng thư cho người cho vay.  

    Đọc thêm (bằng tiếng Anh)


    Phần trăm tổng lãi (Total interest percentage - TIP)

    Phần Trăm Tổng Lãi (TIP) là thông tin tiết lộ cho quý vị biết số tiền lãi mà quý vị sẽ trả trong suốt thời hạn của khoản vay thế chấp.

    Đọc thêm (bằng tiếng Anh)


    Tổng thanh toán (Total of payments)

    Con số này cho biết tổng số tiền quý vị sẽ phải trả trong suốt thời hạn thế chấp của mình.

    Đọc thêm (bằng tiếng Anh) 


    TRID

    “TRID” là từ viết tắt mà một số người sử dụng để chỉ TILA-RESPA Quy Định Công Khai Đầy Đủ (TILA RESPA Integrated Disclosure).

    Đọc thêm (bằng tiếng Anh)


    Khoản Vay USDA (USDA Loan)

    Dịch Vụ Nhà Ở Nông Thôn thuộc Bộ Nông Nghiệp Hoa Kỳ (USDA) cung cấp các chương trình thế chấp không cần đặt cọc tiền và lãi suất thường ưu đãi cho những người mua nhà ở nông thôn đáp ứng yêu cầu về thu nhập của USDA.

    Tìm hiểu thêm về khoản vay này và các chương trình cho vay đặc biệt khác.


    Khoản vay VA (VA loan)

    Khoản vay VA là chương trình cho vay do Bộ Cựu Chiến Binh (VA) cung cấp, nhằm giúp quân nhân, cựu chiến binh và vợ/chồng còn sống đủ điều kiện mua nhà.VA không thực hiện các khoản vay nhưng đặt ra quy tắc về những người có thể đủ điều kiện và điều khoản thế chấp. VA đảm bảo một phần khoản vay để giảm rủi ro thua lỗ cho người cho vay. Các khoản vay nói chung chỉ có sẵn cho một nơi cư trú chính.

    Nếu quý vị là cựu chiến binh, hãy tìm hiểu xem  khoản vay VA có phù hợp với mình không.

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    - - - \ No newline at end of file diff --git a/www.consumerfinance.gov/language/vi/prepare-your-money-situation-before-you-buy-a-home/index.html b/www.consumerfinance.gov/language/vi/prepare-your-money-situation-before-you-buy-a-home/index.html deleted file mode 100644 index 175bb5f04d3..00000000000 --- a/www.consumerfinance.gov/language/vi/prepare-your-money-situation-before-you-buy-a-home/index.html +++ /dev/null @@ -1,1568 +0,0 @@ - - - - - - - Chuẩn bị tài chính trước khi mua nhà | Consumer Financial Protection Bureau - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
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    Chuẩn bị tài chính trước khi mua nhà

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    Mua nhà là mơ ước của nhiều gia đình, nhưng quý vị có thể không biết bắt đầu từ đâu hoặc vào thời điểm nào thì quý vị sẵn sàng. Sau đây là một số bước để bắt đầu hành trình trở thành người sở hữu nhà. Một bản giải thích đầy đủ hơn bằng tiếng Anh có trong hướng dẫn Mua Nhà của chúng tôi.

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    Các bên cho vay quyết định xem quý vị có khả năng trả nợ hay không trước khi cho quý vị vay tiền để mua nhà. Họ có thể xem xét các yếu tố như thu nhập, tài sản, tình trạng việc làm, tiền tiết kiệm và các khoản thanh toán hàng tháng cho những khoản nợ của quý vị. Họ cũng xem xét báo cáo tín dụng và điểm tín dụng của quý vị để xem quý vị có trả nợ đúng hạn hay không.

    Đây là lý do tại sao tài khoản ngân hàng lại quan trọng đối với việc quản lý tiền của quý vị (tài liệu bằng tiếng Anh)

    Đây là lý do tại sao lịch sử tín dụng của quý vị lại quan trọng và cách cải thiện nó (tài liệu bằng tiếng Anh)

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    Quý vị cần biết mình hiện đang chi bao nhiêu để có thể quyết định số tiền quý vị có khả năng chi trả hàng tháng cho một ngôi nhà mới. Tạo một danh sách có liệt kê mọi thứ quý vị đã chi tiền trong tháng. So sánh chi tiêu hàng tháng của quý vị với thu nhập thực nhận hàng tháng của quý vị.

    Ngoài ra, hãy quyết định số tiền quý vị muốn dành ra mỗi tháng để tiết kiệm, cho các trường hợp khẩn cấp và các mục tiêu khác.

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    Sau khi so sánh mức tiền kiếm được với mức chi tiêu, hãy xem quý vị có khả năng chi trả bao nhiêu trên tổng số tiền thanh toán cho ngôi nhà của mình. Các chi phí liên tục mà mọi người phải trả khi sở hữu một ngôi nhà có thể bao gồm:

    • Các khoản thanh toán gốc và lãi cho khoản vay thế chấp
    • Bảo hiểm thế chấp
    • Thuế tài sản
    • Bảo hiểm cho người sở hữu nhà
    • Bảo hiểm bổ trợ, chẳng hạn như bảo hiểm lũ lụt
    • Phí của Hiệp Hội Người Sở Hữu Nhà (HOA)
    • Bảo trì và sửa chữa nhà
    • Tiện ích

    Một số khoản chi phí, như thuế và bảo hiểm, có thể tăng theo thời gian.

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    Khoản trả trước của quý vị sẽ thay đổi số tiền quý vị phải trả và thời điểm thanh toán.

    Khoản trả trước lớn hơn đòi hỏi nhiều tiền mặt hơn lúc đầu, nhưng các khoản thanh toán hàng tháng thấp hơn và các chi phí cho khoản vay của quý vị nhìn chung sẽ thấp hơn. Quý vị không vay nhiều tiền, thì số tiền phải trả sẽ ít hơn. Quý vị cũng trả ít lãi hơn vì quý vị đang trả lãi cho số tiền vay nhỏ hơn. Và nếu khoản trả trước của quý vị chiếm 20% trở lên của số tiền mua nhà, quý vị thường không phải trả bảo hiểm thế chấp (tài liệu được viết bằng tiếng Anh). Điều này giúp quý vị tiết kiệm tiền, đặc biệt là trong những năm đầu phải chi trả khoản vay thế chấp.

    Mặt khác, khoản trả trước lớn hơn có thể có nghĩa là quý vị có ít tiền hơn để chi tiêu. Quý vị có thể cần tiền mặt vào cuối quá trình xử lý vay tiền, ví dụ như để trả chi phí hoàn thiện thủ tục mua bán. Và quý vị có thể cần trả các chi phí để chuyển đến nhà mới, cải tạo hoặc sửa chữa mà quý vị thực hiện và các hạng mục mua mới để ngôi nhà của quý vị trở nên thoải mái hơn.

    Có nhiều tùy chọn cho khoản trả trước thấp

    Nhiều chương trình có thể giúp quý vị mua nhà với khoản trả trước nhỏ hoặc không cần khoản trả trước. Các tùy chọn cho khoản trả trước thấp có thể có nghĩa là chi phí cao hơn trong suốt thời hạn vay. Khi quý vị gặp người cho vay, hãy đặt câu hỏi và yêu cầu xem nhiều ưu đãi cho vay.

    Khoản trả trước chỉ là một phần trong số những khoản quý vị phải trả trước

    Khi quý vị ký các giấy tờ mua nhà mới, quý vị phải trả phí và các chi phí khác để nhận khoản vay thế chấp. Đây được gọi là chi phí hoàn thiện thủ tục mua bán. Thông thường, chi phí hoàn thiện thủ tục mua bán dao động từ 2% đến 5% giá mua nhà (không bao gồm khoản trả trước). Tuy nhiên, chi phí hoàn thiện thủ tục mua bán thực tế của quý vị phụ thuộc vào giá nhà, khoản trả trước, chi phí cho bên cho vay, loại hình vay, loại nhà và vị trí.

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    Tìm trợ giúp để mua ngôi nhà đầu tiên của quý vị

    Nhiều tiểu bang và tổ chức địa phương cung cấp các chương trình giúp người mua nhà lần đầu thanh toán khoản trả trước hoặc chi phí hoàn thiện thủ tục mua bán. Để tìm chương trình gần quý vị:

    Quý vị cũng có thể nhờ cố vấn về nhà ở giúp quý vị:

    • Quyết định thời điểm phù hợp để mua nhà hoặc cách quý vị có thể cải thiện tín dụng của mình (tài liệu bằng tiếng Anh) để nhận được ưu đãi tốt hơn
    • Xem xét kỹ các tùy chọn về khoản vay thế chấp của quý vị hoặc các tùy chọn khác mà quý vị sẽ có nếu lịch sử tín dụng của quý vị được cải thiện
    • Rà soát báo cáo tín dụng, thu nhập và thông tin tài chính bổ sung của quý vị và giải thích cách bên cho vay thế chấp đánh giá đơn đăng ký của quý vị

    Phát hiện các vấn đề có thể cản trở kế hoạch của quý vị

    Phân biệt đối xử là bất hợp pháp

    Bên cho vay không được từ chối tín dụng, tính phí thanh toán hoặc lãi suất cao hơn, đưa ra các điều khoản bất lợi hoặc ngăn cản quý vị nộp đơn xin vay dựa trên:

    • Chủng tộc
    • Màu da
    • Tôn giáo
    • Nguồn gốc quốc gia
    • Giới tính (bao gồm khuynh hướng tính dục và bản dạng giới)
    • Tình trạng hôn nhân
    • Tuổi tác
    • Nhận tiền từ trợ cấp công
    • Thực hiện các quyền của quý vị theo Đạo Luật Bảo Vệ Tín Dụng của Người Tiêu Dùng một cách thiện chí

    Nếu quý vị gặp vấn đề với khoản vay thế chấp, quý vị có thể gửi khiếu nại trực tuyến hoặc gọi đến số (855) 411-CFPB (2372).

    “Hợp đồng chuyển nhượng tài sản” có thể gây ra rắc rối

    Hợp đồng chuyển nhượng tài sản (đôi khi được gọi là “khế ước trả góp”, “hợp đồng trả góp cho đất đai” hoặc “mua bán theo hợp đồng”) là giao dịch mua nhà được thực hiện theo hình thức trả góp thay vì thông qua khoản vay thế chấp truyền thống. Thay vì làm việc với một bên cho vay thế chấp riêng để vay tiền trả cho người bán toàn bộ giá trị bất động sản, quý vị đồng ý trả cho người bán theo từng đợt hàng tháng. Người bán giữ quyền sở hữu bất động sản cho đến khi hợp đồng được thực hiện đầy đủ. Khế ước thể hiện quyền sở hữu hợp pháp đối với ngôi nhà.

    Để hiểu rõ quyền của mình trong hợp đồng chuyển nhượng tài sản, quý vị nên trao đổi với luật sư. Sau đây là những lời khuyên để tìm luật sư tại tiểu bang của quý vị.

    Theo hợp đồng chuyển nhượng tài sản, quý vị phải hành động như chủ sở hữu bất động sản trong thời hạn của hợp đồng, ngay cả khi khế ước chưa phải của quý vị. Trong hợp đồng chuyển nhượng tài sản thông thường, quý vị phải trả thuế tài sản, bảo hiểm, chi phí sửa chữa và bảo trì.

    Với hình thức thế chấp truyền thống, nếu quý vị chậm thanh toán, bên cho vay thường phải đợi một thời gian trước khi có thể bắt đầu tịch biên tài sản. Với hợp đồng chuyển nhượng tài sản, người bán thường có thể bắt đầu quá trình trục xuất ngay lập tức. Việc trục xuất có thể diễn ra nhanh chóng nếu quý vị:

    • Bỏ lỡ một khoản thanh toán hàng tháng
    • Không thể thực hiện "khoản chi trả dồn" với số tiền lớn nếu hợp đồng yêu cầu
    • Không trả các chi phí khác được nêu trong hợp đồng, như thuế và bảo trì

    Ngoài ra, người bán thường được nắm giữ toàn bộ số tiền và công sức quý vị bỏ ra cho ngôi nhà.

    Ngay cả khi quý vị thực hiện tất cả các khoản thanh toán theo yêu cầu của hợp đồng, quý vị vẫn có thể gặp rắc rối. Người bán có thể không có quyền sở hữu rõ ràng đối với ngôi nhà. Ví dụ, người bán có thể nợ tiền thế chấp hoặc cầm cố bất động sản. Hoặc đôi khi người bán chỉ đơn giản là từ chối chuyển giao khế ước bán nhà. Đôi khi người bán lấy tiền của quý vị để đóng thuế và bảo hiểm nhưng thực tế không đóng, vì vậy khi cuối cùng quý vị sở hữu ngôi nhà, quý vị phải đối mặt với các hóa đơn lớn, tiền phạt và các vấn đề khác.

    Nếu quý vị gặp vấn đề với hợp đồng chuyển nhượng tài sản, quý vị có thể gửi khiếu nại trực tuyến hoặc gọi đến số (855) 411-CFPB (2372).

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    Shopping for a mortgage (in Vietnamese)
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    Tìm kiếm khoản vay thế chấp

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    Việc tìm kiếm khoản vay thế chấp cần thời gian và năng lương. Nhưng việc đó có thể giúp quý vị tiết kiệm hàng ngàn đô la. Đặt mục tiêu so sánh ít nhất ba khoản vay được cung cấp từ những nhà cho vay khác nhau.

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    Nhận được ít nhất ba thư phê duyệt trước

    Internet và báo chí là một nơi tốt để quý vị bắt đầu tìm kiếm những nhà cung cấp khoản vay. Liên lạc với các ngân hàng, hiệp hội tín dụng và các tổ chức có thể chuyên về trường hợp của quý vị—chẳng hạn như những người mua nhà lần đầu, cựu chiến binh, nhân viên dịch vụ công cộng hoặc những người khác.

    Hỏi ít nhất ba nhà cho vay khác nhau để được “phê duyệt trước”. Điều này có nghĩa là nhà cung cấp khoản vay sẽ xem xét tình hình tài chính của quý vị, bao gồm cả báo cáo tín dụng của quý vị, và ước tính số tiền quý vị có thể vay cũng như mức lãi suất mà quý vị có thể phải trả.

    Phê duyệt trước cho phép quý vị thử từng nhà cung cấp khoản vay để xem loại khoản vay và giá mà họ đưa ra. Khi quý vị nhận được cả ba thư phê duyệt trước trong một thời gian ngắn, điểm tín dụng của quý vị sẽ không bị ảnh hưởng nhiều.

    Quý vị sẽ trở lại với những nhà cung cấp khoản vay này khi quý vị đã đưa ra một số quyết định và yêu cầu họ cung cấp các khoản vay.

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    Tìm kiếm thời hạn cho vay, cấu trúc lãi suất và các chương trình

    Thời hạn cho vay: Dài hơn hoặc ngắn hơn

    Nói chung, thời hạn cho vay dài hơn sẽ tốn nhiều chi phí hơn trong suốt thời hạn của khoản vay. Nhưng các khoản thanh toán hàng tháng của quý vị thường thấp hơn. Quý vị có thể thương lượng một thời hạn cho vay khác với nhà cho vay của mình, chẳng hạn như 20 năm, 7 năm hoặc thậm chí lâu hơn 30 năm.

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    Hầu hết người mua nhà chọn khoản vay 30 năm vì các khoản thanh toán có thể thấp.

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    Các khoản thanh toán thường cao hơn so với các khoản vay 30 năm, nhưng khoản vay của quý vị được trả hết trong 15 năm và tổng chi phí của khoản vay có thể thấp hơn.

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    Cơ cấu lãi suất cho vay: Lãi suất cố định hoặc lãi suất điều chỉnh

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    Các khoản vay có lãi suất cố định là phổ biến. Khoản thanh toán ban đầu của quý vị có thể thấp hơn với khoản vay có lãi suất có thể điều chỉnh, nhưng nếu lãi suất tăng, quý vị có thể phải đối mặt với các khoản thanh toán tăng cao.

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    Lãi suất và khoản thanh toán hàng tháng của quý vị sẽ giữ nguyên trong suốt thời gian vay của quý vị.

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    Lãi suất của quý vị thường được cố định trong vài năm đầu tiên của khoản vay. Sau khi hết thời hạn cố định, tỷ lệ sẽ điều chỉnh theo định kỳ (các khoảng thời gian đều đặn) dựa trên “chỉ số”. Chỉ số là thước đo lãi suất nói chung và nó phản ánh các xu hướng trong nền kinh tế nói chung. Điều này có nghĩa là số tiền thanh toán của quý vị có thể tăng hoặc giảm. Thông tin chi tiết được bao gồm trong Bảng Ước Tính khoản vay mà quý vị nhận được từ nhà cho vay.

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    Chương trình cho vay: Chương trình FHA, VA thông thường hay đặc biệt

    Có nhiều chương trình cho vay, và một số chương trình được thiết lập để giúp những người trong một số hoàn cảnh hoặc nhóm nhất định có thể nhận được các khoản vay thế chấp.

    Trả trước từ 5% hoặc hơn?

    Hỏi về khoản vay đủ điều kiện của Fannie Mae hoặc Freddie Mac, thường được gọi là khoản vay “thông thường”.

    Chỉ trả trước một khoản tiền nhỏ?

    Hỏi về khoản vay được FHA bảo đảm.

    Quân nhân hay cựu chiến binh?

    Hỏi về khoản vay được VA bảo đảm.

    Mua nhà ở vùng nông thôn?

    Hỏi về khoản vay do USDA tài trợ.

    Người mua nhà lần đầu có thu nhập thấp hoặc trung bình?

    Hỏi về các khoản vay có sẵn thông qua cơ quan tài chính nhà ở của tiểu bang của quý vị.

    So sánh các khoản vay được cung cấp

    Bây giờ, đã đến lúc bắt đầu quá trình nộp đơn chính thức. Yêu cầu nhà cho vay của quý vị cung cấp các khoản vay phản ánh các lựa chọn của quý vị về loại khoản vay, chương trình và thời hạn. Sau đó, quý vị sẽ có thể so sánh các khoản vay giống nhau.

    Đầu tiên, so sánh các phần cơ bản của khoản vay:

    • Thời hạn của khoản vay là gì?
    • Lãi suất là gì? Khoản vay dựa trên số tiền trả trước nào?
    • Số tiền phải trả hàng tháng là bao nhiêu?
    • Đối với các khoản vay có lãi suất có thể điều chỉnh, việc điều chỉnh thanh toán và lãi suất có bị giới hạn không? Khi nào các khoản thanh toán của tôi sẽ trả hết tiền gốc?

    Tiếp theo, so sánh các chi tiết còn lại có thể ảnh hưởng đến chi phí của quý vị:

    • Khi nào các khoản thanh toán của tôi sẽ trả hết tiền gốc của tôi?
    • Các khoản thanh toán có thay đổi trong suốt thời hạn của khoản vay không?
    • Thanh toán của tôi có thể cao đến mức nào?
    • Khoản thanh toán của tôi có bao gồm thuế bất động sản và bảo hiểm không? Nếu không, tôi có đủ khả năng để thanh toán những khoản đó riêng không?
    • Những chi phí và lệ phí nào sẽ được thêm vào khoản thanh toán ban đầu của tôi? Đối với khoản thanh toán đang diễn ra của tôi?
    • Tôi có cần phải trả điểm (các khoản phí trả trước làm giảm lãi suất của quý vị) không?
    • Những khoản phí và chi phí nào được bao gồm trong số tiền tôi sẽ vay (điển hình cho khoản vay “không có chi phí khóa sổ”)?
    • Khoản vay được cung cấp bằng văn bản có khớp với những gì tôi được cho biết về khoản vay không?
    • Tôi có thể nhận được thỏa thuận tốt hơn về các dịch vụ thanh toán từ các nhà cung cấp dịch vụ khác nhau không?
    • Tôi có thể hoàn trả khoản vay sớm hoặc thanh toán nhiều hơn so với lịch trình mà không bị phạt không?

    Yêu cầu một thỏa thuận tốt hơn

    Khi quý vị thấy các khoản vay được cung cấp từ một số nhà cho vay, hãy hỏi xem họ có thể cung cấp các khoản vay tốt hơn không. Thương lượng là phổ biến, và không có hại gì khi hỏi. Nhà cung cấp khoản vay có thể miễn hoặc giảm một hoặc nhiều khoản phí, hoặc giảm lãi suất hoặc điểm.

    Hãy bảo đảm rằng nhà cung cấp khoản vay không giảm một khoản phí trong khi tăng một khoản phí khác hoặc giảm lãi suất của quý vị nhưng tăng điểm của quý vị.

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    Tìm khoản vay mua xe của quý vị

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    Tìm khoản vay mua xe, lãi suất và các điều khoản khác tốt nhất, mặc dù phức tạp nhưng cũng giống như các hình thức mua sắm và so sánh khác. Tìm trước sẽ giúp quý vị sẵn sàng thương lượng khoản vay mua xe và giúp cho quá trình này bớt căng thẳng hơn.

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    Chuẩn bị trước khi quý vị nộp đơn xin vay mua xe

    Quý vị sẽ có lợi thế hơn khi tìm và thương lượng khoản vay mua xe, nếu thực hiện theo các bước bên dưới trước khi nộp đơn xin vay.

    Kiểm tra báo cáo tín dụng của quý vị

    Thông tin trong báo cáo tín dụng của quý vị quyết định điểm tín dụng. Điểm tín dụng này đóng vai trò quan trọng trong việc xác định loại tiền vay mua xe nào và quý vị sẽ trả lãi suất bao nhiêu cho khoản vay đó. Sau đây là một số tài liệu có ích:

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    Quý vị có cần một người đồng ký tên hay không?

    Người đồng ký tên là người – chẳng hạn như cha/mẹ, thành viên gia đình, hoặc bạn bè –có nghĩa vụ theo hợp đồng trong việc hoàn trả khoản vay giống như quý vị. Nếu lịch sử tín dụng của quý vị bị hạn chế hoặc cần cải thiện và quý vị có điểm tín dụng thấp (hoặc không có điểm tín dụng), lãi suất của quý vị có thể thấp hơn nhiều, nếu quý vị có một người đồng ký tên có tín dụng tốt hoặc xuất sắc. Đó là do bên cho vay sẽ dựa vào lịch sử và điểm tín dụng của người đồng ký tên đó khi quyết định cho vay.

    Nếu quý vị đang suy nghĩ muốn nhờ một người đồng ký tên, quý vị và người đó nên suy nghĩ kỹ về quyết định này. Nếu quý vị không hoàn trả khoản vay, quý vị và người đồng ký tên sẽ phải có trách nhiệm hoàn trả. Người đồng ký tên có trách nhiệm đối với khoản vay mặc dù họ không có quyền sở hữu xe. Ngoài ra, mọi khoản trả góp trễ cũng sẽ ảnh hưởng đến cả hồ sơ và điểm tín dụng của quý vị và người đồng ký tên đó. Luật pháp liên bang cấm bên cho vay yêu cầu quý vị phải có người đồng ký tên nếu quý vị nộp đơn xinvay với tư cách cá nhân và quý vị đủ điều kiện theo các tiêu chuẩn về mức tín nhiệm của bên cho vay. Để biết thêm thông tin về việc đồng ký tên, hãy truy cập consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    Kiểm tra lãi suất vay mua xe hiện hành

    Quý vị có thể tìm hiểu lãi suất bằng cách liên lạc với một số ngân hàng, liên hiệp tín dụng, hoặc bên cho vay khác. Quý vị cũng có thể xem trên mạng tại nhiều trang web thương mại có ước tính mức lãi suất cho toàn quốc và theo mã zip của quý vị. Một số trang web thương mại sẽ liên kết quý vị với các bên cho vay và đại lý cụ thể để biết các con số ước tính, do đó quý vị nên cẩn thận khi nhập thông tin cá nhân.

    Nên trả tiền đặt cọc

    Tiền đặt cọc sẽ giúp giảm tổng số tiền tài trợ vì quý vị chỉ vay ít hơn. Khoản tiền đặt cọc càng lớn, thì tổng chi phí vay càng thấp.

    Quý vị nên quyết định xem có nên bán lại chiếc xe hiện tại của mình cho đại lý hay không

    Nếu quý vị đã sở hữu một chiếc xe, hãy tìm giá thị trường của nó để xem được bao nhiêu khi bán lại cho đại lý hoặc bán cho tư nhân. Quý vị có thể tra cứu giá ước tính ở các trang web thương mại trực tuyến như Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power và các mục rao vặt trực tuyến. Các tài nguyên này cũng có tại thư viện địa phương. Tìm các xe tương tự đã bán gần đây trong khu vực của quý vị sẽ cho biết được giá thị trường.

    Một khi được biết chiếc xe hiện tại của mình trị giá khoảng bao nhiêu, quý vị có thể quyết định có nên bán lại cho đại lý hay bán cho tư nhân. Nếu quý vị bán lại cho một đại lý, thì quý vị và đại lý sẽ quyết định giá để trừ vào tổng số tiền mua xe mới. Nếu quý vị tự bán cho tư nhân, thì quý vị có thể sử dụng số tiền đó làm khoản đặt cọc.

    Nếu quý vị đang vay mua xe hiện tại mà quý vị muốn bán lại cho đại lý, thì hãy suy nghĩ kỹ

    Nên cẩn thận xem có nên vay thêm nợ mới hay không. Sau đây là một số điểm cần suy nghĩ và các bước:

    • Trước khi đến đại lý, quý vị nên gọi bên cho vay hiện tại để lấy thông tin về tổng số tiền cần phải trả hết nợ hiện tại.
    • Quyết định xem liệu quý vị sẽ trả hết khoản vay hiện tại ngay lúc này, chờ đến khi trả hết khoản vay mua xe cũ trước khi quý vị vay mua một chiếc xe khác, hay vay mua xe mới thêm vào khoản đang vay mua xe cũ.
    • Nếu quý vị đang có số tiền nợ chiếc xe hiện tại nhiều hơn giá trị của nó — được gọi là upside down — thì quý vị bị âm vốn. Nếu quý vị chuyển số dư của khoản vay mua xe hiện tại vào khoản vay mua xe mới, điều này có thể làm cho khoản vay mua xe mới trở nên đắt hơn nhiều. Tổng chi phí vay sẽ cao hơn vì quý vị sẽ vay nhiều hơn giá của chiếc xe mới.
    • Sau khi tìm hiểu giá bán lại cho đại lý xe, nếu số tiền quý vị vẫn còn nợ trên chiếc xe muốn bán lại thấp hơn giá trị của nó, hãy nhớ khi thương lượng quý vị nên xem mình có nhận được giá thị trường cho chiếc xe bán lại và có khả năng trả hết khoản vay mua xe cũ.
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    Có phải quý vị vẫn nợ tiền chiếc xe muốn bán lại không?

    Nếu lúc này quý vị muốn chuyển số dư của khoản vay cũ sang khoản vay mới, quý vị nên hiểu điều này sẽ ảnh hưởng đến tổng chi phí khoản vay mới của quý vị. Hãy xem kỹ tổng chi phí của khoản vay mới bao gồm số tiền đã vay, lãi suất phần trăm hàng năm (APR), mức lãi suất, thời hạn vay (tháng) và khoản trả góp hàng tháng – trước khi quý vị đồng ý với bất kỳ điều khoản nào. Nếu quý vị không chuyển số tiền vẫn còn nợ chiếc xe cũ sang khoản vay mới, và giữ lại chiếc xe hiện tại đồng thời mua một chiếc mới, thì quý vị sẽ có hai khoản vay và hai khoản trả góp hàng tháng cần trả. Cách nào thì quý vị cũng phải tính toán xem nên tiến hành giao dịch và mua xe mới, nếu quý vị vẫn nợ tiền chiếc xe muốn bán lại có phải là việc hợp lý hay không. Để biết thêm thông tin, hãy truy cập consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    Hãy suy nghĩ trước khi mua them những lựa chọn bổ sung

    Khi quý vị đến một đại lý bán xe, quý vị sẽ được đề nghị các sản phẩm và dịch vụ bổ sung cho chiếc xe hoặc cho khoản vay. Quý vị nên suy nghĩ trước về những lựa chọn bổ sung này, để quý vị không bị căng thẳng tại đại lý và có sẵn câu trả lời khi được hỏi mua các sản phẩm bổ sung này. Các sản phẩm bổ sung thường gặp gồm có:

    Các sản phẩm và dịch vụ này, mà quý vị có thể nhận tài trợ, là không bắt buộc. Nếu muốn mua, quý vị có thể thương lượng giá cả. Nếu quý vị cho rằng mình muốn mua các sản phẩm hoặc dịch vụ này, hãy tìm hiểu. Ví dụ, công ty bảo hiểm xe của quý vị có thể cung cấp bảo hiểm GAP, bảo hiểm tín dụng hoặc các phương án thay thế khác. Nếu quý vị mua các sản phẩm bổ sung tùy chọn bằng khoản vay của mình, số tiền quý vị vay và phải trả sẽ tăng.

    Lúc này quý vị đã tìm hiểu xong, quý vị sẽ sẵn sàng thực hiện bước tiếp theo: tìm khoản vay mua xe. Sử dụng bảng tính cho vay mua ô tô tại consumerfinance.gov để theo dõi các điều khoản cho vay và so sánh các lựa chọn của quý vị. Mang bảng tính này đến ngân hàng, liên hiệp tín dụng, bên cho vay khác và đại lý để quý vị có thể so sánh các lựa chọn vay và có được giao dịch tốt nhất cho mình.

    Tìm khoản vay mua xe

    Lúc này quý vị đã sẵn sàng bắt đầu tìm khoản vay. Trước khi đến đại lý, hãy thu thập thông tin cá nhân của quý vị và nên xin phê duyệt trước cho khoản vay.

    Tìm hiểu trước khi mua sẽ giúp quý vị sẵn sàng thương lượng khoản vay mua xe và giúp cho quá trình này bớt căng thẳng hơn.

    Thu thập thông tin cá nhân của quý vị

    Khi quý vị đến ngân hàng, liên hiệp tín dụng, hoặc đại lý, hãy đảm bảo thu thập mọi thông tin quý vị sẽ cần đến. Các bên cho vay sẽ thường yêu cầu thông tin này trong đơn xin vay:

    • Tên
    • Số An Sinh Xã Hội hoặc ITIN
    • Ngày sinh
    • Địa chỉ hiện tại và trước đây và thời gian lưu trú
    • Hãng sở hiện tại và trước đây và thời gian tuyển dụng
    • Nghề nghiệp
    • Các nguồn thu nhập
    • Tổng thu nhập gộp hàng tháng
    • Thông tin tài chính về các tài khoản tín dụng hiện tại, bao gồm các khoản nợ khác

    Xin phê duyệt trước cho khoản vay

    Khi nhận đề nghị vay được phê duyệt trước hoặc báo giá với số tiền vay tối đa và lãi suất từ một ngân hàng, liên hiệp tín dụng, hoặc bên cho vay khác là một bước khởi đầu đúng đắn. Nếu quý vị mang theo báo giá khoản vay từ một bên cho vay đến đại lý, quý vị có thể có vị thế thương lượng mạnh hơn để có được một giao dịch tốt hơn, cho dù quý vị bám theo đề nghị quý vị mang theo hay quyết định chấp nhận đề nghị tài trợ của đại lý.

    Việc phê duyệt trước cũng giúp quý vị không vượt quá ngân sách của mình và cho phép so sánh các lãi suất mà không bị áp lực thời gian khi ở tại đại lý. Sau đó, tại đại lý, quý vị có thể tập trung nhiều vào giá thực tế của chiếc xe và xe muốn bán lại cho đại lý bởi quý vị đã biết rõ các điều khoản vay có thể nhận được. Quý vị vẫn sẽ có cơ hội thương lượng một khoản vay tốt hơn tại đại lý và không sử dụng sự phê duyệt trước của mình.

    Nếu đơn của quý vị được phê duyệt trước, bên cho vay sẽ cung cấp cho quý vị giấy tờ để mang đến đại lý. Một khi quý vị sẵn sàng mua, đại lý sẽ thực hiện các dàn xếp cuối cùng với bên cho vay của quý vị.

    Hiểu rõ việc tìm một khoản vay ảnh hưởng thế nào đến điểm tín dụng của quý vị

    Việc tìm giao dịch tốt nhất cho khoản vay mua xe sẽ có ít hoặc không có ảnh hưởng đến điểm tín dụng của quý vị. Lợi ích của việc tìm khoản vay sẽ cao hơn nhiều so với bất kỳ sự ảnh hưởng nào với tín dụng của quý vị. Trong một số trường hợp, việc đăng ký nhiều khoản vay trong thời gian dài có thể làm giảm điểm tín dụng. Tùy vào mô hình tính điểm tín dụng được dùng, thường thì các yêu cầu hay thắc mắc của các bên cho vay này về điểm tín dụng của quý vị, diễn ra trong khoảng thời gian từ 14 đến 45 ngày sẽ chỉ được tính là một lần yêu cầu thôi. Điều này có nghĩa là việc tìm một khoản vay mua xe trong khoảng thời gian đó sẽ được tính giống như khi nộp đơn xin chomột khoản vay. Quý vị có thể giảm đi ảnh hưởng xấu với điểm tín dụng của mình bằng cách thực hiện tất cả hoạt động tìm hiểu lãi suất trong một khoảng thời gian ngắn.

    Nắm rõ các quyền của quý vị

    Bên cho vay không được ngăn cản hay từ chối đơn xin vay của quý vị, hoặc đề nghị các giá khác nhau hay các điều khoản và điều kiện vay khác, dựa trên chủng tộc, màu da, tôn giáo, xuất xứ quốc gia, giới tính, tình trạng hôn nhân, tuổi tác, việc nhận thu nhập trợ cấp công, hoặc có ý thực hiện bất kỳ quyền nào theo Đạo Luật Bảo Vệ Tín Dụng Người Tiêu Dùng.

    Quý vị có thể nộp khiếu nại trực tuyến cho Ủy Ban Thương Mại Liên Bang (FTC) tại reportfraud.ftc.gov Hoặc nộp cho Cục Bảo Vệ Tài Chính Người Tiêu Dùng (CFPB) tại consumerfinance.gov/complaint hoặc gọi số miễn cước 1-855-411-CFPB (2372).

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    - An official website of the - United States government -
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    Fraud and scams key terms (in Chinese)
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    欺詐和詐騙重要術語

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    老年人財務剝削 (Elder financial exploitation)

    老年人財務剝削是指非法或不當使用老年人的資金、財產或資產。這是最常見的虐待老人的方式，但只報告了一小部分此類事件。

    犯罪者可能是獲得老年人信任的陌生人，也可能是家人或朋友。了解警告跡象很重要。 閲讀更多内容

    止贖救濟騙局 (Foreclosure relief scam)

    止贖救濟和抵押貸款修改詐騙是騙取您的錢款或房屋的陰謀 — 通常是透過做出使您免於喪失抵押品贖回權的虛假承諾。這些騙子可能會預先索要錢款，並聲稱保證您可以更改抵押貸款條款。如果您在支付抵押貸款時遇到困難，住宅與城市發展部（英文簡稱為 HUD）批准的住房諮詢機構可以免費為您提供各種選擇。

    預防欺詐警報 (Fraud alert for prevention)

    欺詐警報可用於降低您成為新帳戶身份盜用受害者的可能性。欺詐警報要求查看您的信用報告的債權人在開設新帳戶、發放附加卡或增加現有帳戶的信用額度之前採取措施驗證您的身份。當您在全國信用報告公司之一的信用報告中放置欺詐警報後，該信用報告公司必須通知其他信用報告公司。

    有兩種主要類型的欺詐警報：首次欺詐警報和延長警報。軍人還有一種額外的選擇 — 現役軍人警報，可在服役期間為現役軍人提供保護。

    閲更多資料見 (英文)


    受託人欺詐 (Fraud by fiduciaries)

    受託人是管理他人金錢或財產的人。例如，透過委託書任命的代理人和法院指定的監護人都是受託人。

    當您被指定為受託人時，法律要求您為了該人士的利益而不是您的利益管理該人士的金錢和財產。當受託人為了自身的利益而花錢時，就可能是欺詐。

    身份盜用 (Identity theft)

    當有人竊取您的身份進行欺詐時，就發生了身份盜用。

    竊取您的身份可能意味著未經您的許可使用個人資訊，例如您的姓名、社會安全號碼、銀行帳戶資訊或信用卡號碼。聯邦貿易委員會提供資訊 防止和應對身份盜用。

    冒名頂替者詐騙 (Imposter scams)

    冒名頂替詐騙者試圖透過偽裝成您認識的或信任的人（例如，治安官、地方、州或聯邦政府雇員或慈善組織）來說服您匯款。請記住，來電顯示是可以偽造的。您可以隨時致電該組織或政府機構，查詢該人士是否為他們工作，然後再匯款。

    郵件欺詐 (Mail fraud)

    郵件欺詐信件看起來像是真的，但承諾是假的。一個常見的警告跡象是來信要求您立即匯款或提供個人資訊，以便在匯款或提供資訊後獲得有價值的東西。


    網路釣魚 (Phishing)

    在網路釣魚中，詐騙者冒充企業或個人誘騙您提供您的個人資訊，例如密碼、信用卡號或銀行帳戶資訊。詐騙者可能會使用欺詐性電子郵件、短信或網站來竊取您的這些資訊。這些電子郵件看起來像真實的郵件。


    安全凍結預防 (Security freeze for prevention)

    安全凍結會阻止新的債權人查閲您的信用檔案，並阻止其他債權人以您的名義開設需要信用檢查的帳戶，直到您解除凍結。

    因為大多數企業不會在不查看您的信用報告的情況下開設信用帳戶，凍結可以阻止身份竊賊以您的名義開設新帳戶。請注意，凍結不能阻止身份竊賊接管現有帳戶。

    更多資料見 (英文)



    僞裝哄騙 (Spoofing)

    當撥號者偽裝您的來電顯示上的資訊時，就會發生僞裝哄騙。這使撥號者能夠偽裝姓名和/或號碼，使其看起來好像是從特定位置撥號的某個人。



    電匯或轉帳欺詐 (Wire or money transfer fraud)

    一些騙子會誘騙您透過電匯或轉帳的方式來竊取您的錢財。電匯欺詐的一個常見例子是「祖父母詐騙」。這是當騙子冒充孫子/孫女或孫子/孫女的朋友打電話說他們在國外或遇到某種麻煩，需要立即給他/她電匯或匯款。

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    如何避免止贖

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    當您在支付抵押貸款方面發生困難時，您能做的最重要的事情就是掌握主導權。在多數情況下，無所作為往往是最糟糕的選擇。掌握主導權意味著採取四個步驟：

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    1. 撥打或是接聽電話以尋求幫助

    透過接聽抵押貸款服務商的電話來掌握主導權。更好的做法是，一旦您知道自己無法支付每月貸款，請盡快打電話給您的抵押貸款服務商。電話號碼列於您的每月帳單上。向抵押貸款服務商說明您無法支付每月貸款的原因，並請求其協助以避免止贖。

    2. 尋求免費專家協助

    如果您在償還貸款方面遇到麻煩，您的抵押貸款服務商可能會提供幫助。如果您無法從您的抵押貸款服務商那裡得到您所需的幫助，請向您附近的住房諮詢機構尋求專家協助。諮詢顧問可以制定定制行動計劃，幫助您與您的抵押貸款公司合作。請查閲網站 consumerfinance.gov/mortgagehelp，或撥打 (800) 569-4287 並輸入您的郵遞區號，尋找住房與城市發展部（HUD）批准的住房顧問。

    3. 打擊詐騙行為

    騙子們試圖誘騙那些陷入困境的房主，向他們收取高額費用（有的甚至高達數千美元），以虛假的幫助承諾牟利。您無需向任何人支付費用來幫助您避免止贖。您所需要的幫助可以從抵押貸款服務商那裡，或者透過住房與城市發展部（HUD）批准的住房諮詢機構免費獲得。

    4. 申請援助

    您的抵押貸款服務商必須與您聯絡，向您提供準確的資訊，並告訴您可能符合資格的減損方案。減損是指抵押貸款服務商可以與您合作以避免止贖的方式。如果您及早向您的抵押貸款服務商提交一份完整的申請，您的抵押貸款服務商必須告訴您，您若必須保留住房有哪些選擇，或者告知您搬離房子可能更合理。

    住房諮詢顧問在幫助人們尋求避免止贖的解決方案方面具有豐富的經驗。他們可以幫助您瞭解您的選擇和申請援助的複雜步驟。只有在您付款逾期超過 120 天之後，您的抵押貸款服務商才能發出首次通知或提交止贖申請。此外，當您及時提交一份完整的抵押貸款援助申請時，抵押貸款服務商不能在您在接受評估或您正在執行貸款修正要求時開始止贖。所以，請立即行動，不要拖延。越早完成申請，得到的保護就越多。

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    如何辨識止贖詐騙

    止贖騙子可能會告訴您他們會挽救您的房屋免遭止贖，但實際上他們只是在騙取您的錢財。

    注意這些詐騙的警告訊號：

    • 您被要求預先付款以取得幫助。
    • 該公司保證能修正您的抵押貸款條款。
    • 該公司保證您不會失去您的房屋。
    • 您被要求簽署轉讓房屋所有權或簽署其他您不懂的文件。
    • 您被指示把您的付款寄给别人，而不是您的抵押贷款公司或抵押貸款服務商。
    • 該公司表示願意進行「法證審計」。
    • 您被告知停止支付抵押貸款。
    • 該公司表示，他們隸屬於政府，或者使用看起來像政府印章但略有不同的標誌。
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    提交涉及金融產品或服務的投訴

    每週我們都會向多家公司發送超過 10,000 份關於金融產品和服務的投訴，以便讓其作出回應。如果其他機構能提供更好地幫助，我們會將投訴發送給它們，並告知您。 大多數公司會在 15 天內作出回應。

    • 網路 （用英語講）
    • 或致電 (855) 411-2372 ，以中國人和 180 種其他語言提供幫助。致電通常在 1 分鐘內有人接聽。您的投訴將被翻譯成英文，並發送給公司進行回應。當公司作出回應時，他們通常用英文，但您可以給我們致電，以聽取翻譯後的回應。
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    5/1 可調利率抵押貸款 (5/1 Adjustable Rate Mortgage)

    5/1 可調利率抵押貸款（英文簡稱為 ARM）或五年期 ARM 是一種抵押貸款，其中「5」是您的初始利率將保持固定不變的年數。「1」代表您的利率在最初五年期結束後調整的頻率。最常見的固定期限是 3、5、7 和 10 年，「1」是最常見的調整期限。如果您正在考慮 ARM，請務必仔細閱讀合約並提出問題。

    了解有關可調利率如何變化的更多詳情。



    償還能力規則 (Ability-to-repay rule)

    償還能力規則是大多數抵押貸款公司必須做出的合理和真誠的決定，以確保您有能力償還貸款。

    更多資料見 (英文)



    可調利率抵押貸款（英文簡稱為 ARM） (Adjustable Rate Mortgage - ARM)

    可調整利率抵押貸款（英文簡稱為 ARM）是一種利率可變化的貸款類型，通常與指數利率相關。您的每月還款額將根據貸款的初始期、利率上限和指數利率上下浮動。使用 ARM 時，利率和每月付款額可能開始時低於固定利率抵押貸款，但利率和每月付款額可能會大幅增加。

    了解有關 ARM 工作原理和注意事項的更多詳情。



    分期償還 (Amortization)

    分期償還意味著隨著時間的推移利用定期還款來償還貸款，這樣您欠的金額就會隨著每次還款而減少。大多數房屋貸款都是分期償還，但有些抵押貸款不會完全分期償還，這意味著您在還清所有款項後仍會欠款。

    一些房屋貸款只允許支付應付利息金額，或少於應付利息的金額。如果還款額少於每月到期的利息金額，則抵押貸款餘額將增加而不是減少。這稱為負攤還。在貸款期間未完全分期償還的其他貸款計劃可能要求在貸款期限結束時一次性支付大筆「大額尾付」。確保您知道您獲得的貸款類型。

    了解有關購房程序的更多詳情。



    融資額 (Amount financed)

    這表示您從貸方借入的金額減去貸方向您收取的大部分前期費用。

    更多資料見 (英文)

    年收入 (Annual income)

    年收入是抵押貸款申請中的一個因素，通常是指您一年的稅前總收入。年收入可包括來自全職或兼職工作、自營業務收入、小費、佣金、加班費、獎金或其他來源的收入。貸方將使用有關您的年收入和您現有的每月債務資訊來確定您是否有能力償還貸款。

    貸方在考慮向您提供貸款時是否會依賴特定的收入來源或金額通常取決於您是否可以合理地預期收入會持續。

    了解有關為什麼您的還款能力對貸方很重要的更多詳情。



    年利率（英文簡稱為 APR）(Annual Percentage Rate - APR)

    年利率（英文簡稱為 APR）是比利率更廣泛的借貸成本衡量標準。APR 反映了利率、任何點數、抵押貸款經紀人費用以及您為獲得貸款而支付的其他費用。因此，您的 APR 通常高於您的利率。

    了解如何比較 APR



    價值評估費 (Appraisal fee)

    價值評估費是對您計劃購買或已經擁有的房屋進行房屋價值評估的費用。房屋價值評估提供對財產價值的獨立評估。在大多數情況下，評估人的選擇和任何相關費用取決於您的貸方。

    了解有關購房程序的更多詳情。



    自動付款 (Automatic payment)

    自動付款允許您透過銀行設置定期抵押貸款付款。自動付款是確保您按時付款的一種便捷方式。



    大額尾付貸款 (Balloon loan)

    對於抵押貸款，大額尾付貸款意味著貸款有額度高於平常的一次性還款，通常在貸款期限結束時。這種一次性付款稱為「大額尾付」付款，它比您的其他付款額要高，有時甚至高得多。如果您無法支付大額尾付金額，您可能不得不再融資、賣掉您的房屋或面臨止贖。

    了解爲什麽大額尾付貸款可能有風險。



    雙週付款 (Bi-weekly payment)

    在雙週付款計劃中，抵押貸款機構每兩週收取您每月還款的一半金額，導致一年中有 26 次付款（總共每年額外付一次款）。透過支付額外款項並將您的付款用於支付本金，您可以提前還清貸款。在選擇雙週付款之前，請務必查看您的貸款期限，了解如果您這樣做是否會受到提前還款罰款。查看您的貸款機構是否對雙週付款計劃收取任何費用。您或許可以透過每年支付額外一個月抵押貸款來實現相同的目標，而無需支付費用。



    最終過戶條款文件 (Closing Disclosure)

    最終過戶條款文件是一份要求提供的五頁表格，提供有關您選擇的抵押貸款的最終詳細資訊。該表包括貸款期限、您預計的每月還款額，以及您將為獲得抵押貸款支付的費用和其他收費。

    了解如何在您的最終過戶條款文件中仔細查看有關您的貸款的所有詳細資訊是否正確。



    聯署人或共同貸款人 (Co-signer or co-borrower)

    聯署人或共同貸款人是同意承擔全部責任與您一起償還抵押貸款的人。如果您不付款，該人士有義務支付任何未付的款項，甚至是全額貸款。一些抵押貸款計劃將聯署人區分為未列入產權並且對抵押房屋沒有任何所有權權益的人。在您的抵押貸款上有聯署人或共同貸款人可為您的貸方提供額外的保證，確保貸款將得到償還。但是，如果您不償還貸款，您的聯署人或共同貸款人的信用記錄和財務將面臨風險。

    了解有關購房程序的更多詳情。



    建築貸款 (Construction loan)

    建築貸款通常是一種短期貸款，提供資金來支付建造或修復房屋的費用。

    更多資料見 (英文)



    常規貸款 (Conventional loan)

    常規貸款是指不受政府保險或擔保的任何抵押貸款（例如，聯邦住房管理局、退伍軍人事務部或農業部貸款計劃）。

    了解有關 常規貸款及其他貸款類型 的更多詳情。


    信用記錄 (Credit history)

    信用記錄是您的信用報告中顯示的信用帳戶和按時付款記錄。消費者報告公司（亦稱為信用報告公司）收集和更新有關您的信用記錄的資訊，並將其提供給其他企業，這些企業使用這些資訊做出有關您的決定。信用報告包括有關您的信用活動和當前信用狀況的資訊，例如您的貸款支付記錄和信用帳戶狀況。

    了解有關在購買住房之前查看您的信用記錄的更多詳情。



    信用報告 (Credit report)

    信用報告是一份陳述，其中包括有關您的信用活動和當前信用狀況的資訊，例如貸款支付記錄和您的信用帳戶狀況。貸方使用您的信用等級分數和信用報告中的資訊來確定您是否有資格獲得貸款以及向您提供的利率。

    了解如何索取您的信用報告。



    信用等級分數 (Credit score)

    信用等級分數可預測您按時償還貸款的可能性。公司使用一種稱為評分模型的數學公式，根據您的信用報告中的資訊創建您的信用等級分數。有不同的評分模型，因此您不會只有一個信用等級分數。您的 等級分數取決於您的信用記錄、貸款產品類型，甚至計算等級分數的日期。

    了解您可以從哪裡獲得您的信用等級分數。



    資產負債率 (Debt ratio)

    您的債務收入比是您每月支付的所有債務除以您的每月總收入。這個數字是貸方衡量您管理每月付款以償還您計劃借入的錢款能力的一種方式。

    了解如何計算您的債務收入比。



    轉讓房產以替代止贖契約 (Debt ratio)

    轉讓房產以替代止贖契約是一種安排，您自願將房屋的所有權移交給貸方，以避免止贖程序。轉讓房產以替代止贖契約可幫助您避免對抵押貸款剩餘的任何金額承擔個人責任。如果您住在需要對任何清償抵押債務餘額（即您的房產價值與您仍欠抵押貸款金額之間的差額）負責的州，您應當請求您的貸方豁免清償抵押債務餘額。如果貸方豁免清償抵押債務餘額，索取書面豁免證明，並將其保存在您的記錄中。轉讓房產以替代止贖契約是一種減損類型。



    拖欠債務 (Delinquent)

    拖欠債務是逾期未付款的另一個術語。當您錯過付款或未在到期日全額付款時，您的貸款可能會成爲拖欠債務。在您拖欠債務一段時間後，貸方或貸款機構可能會開始止贖程序。時間長短因州不同而異。

    聯邦規則也可能適用於止贖何時開始。如果您無法支付抵押貸款，了解有關您的選擇的更多資訊。



    要求立即清偿债务條款 (Demand feature)

    最終過戶條款文件的一项聲明為「您的貸款有要求立即清偿债务條款」，可對該條款勾选「是」或「否」。要求立即清偿债务条款允許貸方要求提前償還貸款。

    更多資料見 (英文)



    首付款 (Down payment)

    首付款是您前期支付的房屋金額。您將房屋價值的一定百分比作為首付款支付，並透過抵押貸款借入其餘部分。通常，您支付的首付款越多，您獲得的利率就越低，您的貸款獲得批准的可能性就越大。

    了解有關確定您的首付款的更多資訊。



    首付款計劃或贈款 (Down payment programs or grants)

    首付款贈款或計劃通常是指政府或非營利機構等組織向購房者提供的幫助，以幫助他們支付購房首付款。資金可以作為直接贈款提供，也可能需要償還，例如在出售房屋時償還。

    了解從哪裡可以獲得有關首付款計劃和贈款的資訊。



    定金 (Earnest money)

    定金是買方支付的押金，以表示對簽署的購房合約協議的真誠意願。該押金由賣方或第三方持有，例如房地產經紀人或產權擔保公司。如果房屋銷售最終確定或「過戶」，則可以將定金用作過戶費或首付款。如果合約是出於允許的原因終止，則將定金退還給買方。如果買方沒有真誠的表現，定金可能會被沒收，並付給賣方。

    了解有關購房程序的更多資訊。



    資產净值 (Equity)

    資產净值是您的房產目前價值金額減去您的房產任何現有抵押貸款金額。

    了解什麼是住房淨值貸款。



    代管 (Escrow)

    您的抵押貸款機構建立了代管帳戶，以支付某些與房產相關的費用，例如財產稅和房主保險。您每月付款的一部分進入該帳戶。 如果您的抵押貸款沒有代管帳戶，則直接支付與房產相關的費用。

    了解有關代管如何影響您的每月抵押貸款付款的更多資訊。



    房利美（Fannie Mae）

    聯邦國家抵押貸款協會（英文簡稱爲 FNMA）（房利美）購買並為貸款機構的抵押貸款擔保，以增加容易負擔的貸款。房利美不是聯邦機構。它是獲得聯邦住宅金融管理署（英文簡稱為 FHFA）保護的政府贊助企業。

    了解有關常規貸款的更多資訊。



    FHA 融資費 (FHA funding fee)

    聯邦住宅管理局（英文簡稱為 FHA）要求大多數獨戶計劃支付 FHA 融資費和每月保費（英文簡稱為 MIP）。這項前期抵押貸款保費有時稱為前期抵押貸款保費（英文簡稱為 UFMIP）。

    了解 FHA 抵押貸款是否適合您。



    FHA 貸款 (FHA loan)

    FHA 貸款是由聯邦住宅管理局（英文簡稱爲 FHA）監管和保險的私人貸方的貸款。FHA 貸款與常規貸款不同，因為它們允許較低的信用等級分數和低至貸款總額 3.5％ 的首付款。最高貸款金額因縣不同而異。

    了解有關該貸款和其他抵押貸款選擇。



    FHA 抵押貸款限額 (FHA mortgage limits)

    FHA 抵押貸款限額是聯邦住宅管理局（英文簡稱爲 FHA）對作為其獨戶住房抵押貸款計劃一部分擔保的合格抵押貸款的美元金額限額。這些限額因地點不同而異，每年可能會修改。

    使用 FHA 的工具查找您所在縣級貸款限額 。



    融資費用 (Finance charge)

    融資費用是您在抵押貸款的整個期限內支付的利息和貸款費用總額。

    更多資料見 (英文)



    首次購房者（英文簡稱爲 FTHB）貸款計劃 (First-time home buyers (FTHB) loan programs)

    首次購房者（英文簡稱爲 FTHB）可以使用多種不同類型的貸款計劃購買他們的第一套房屋。受歡迎的 FTHB 貸款包括聯邦住宅管理局（英文簡稱為 FHA）、美國退伍軍人事務部（英文簡稱為 VA）、美國農業部（英文簡稱爲 USDA）、房利美（Fannie Mae）和房地美（Freddie Mac）提供的低首付款計劃。一些計劃將 FTHB 定義為三年或更長時間未購房的人。

    理解您的貸款選擇。



    固定利率抵押貸款 (Fixed-rate mortgage)

    固定利率抵押貸款是一種利率在您貸款時設定的房屋貸款，在貸款期限內不會改變。

    了解有關固定利率抵押貸款如何運作以及需要考慮事項的更多資訊。



    債務償還期延展 (Forbearance)

    債務償還期延展是指您的貸款機構允許您暫時以較低的利率支付抵押貸款或暫時停止支付抵押貸款。例如，如果您最近失業、遭受災難或因疾病或受傷醫療保健費用增加，您的貸款機構可能會給予您債務償還期延展。債務償還期延展是一種減損類型。

    了解有關抵押貸款債務償還期延展的更多資訊。

    根據您擁有的貸款類型，可能會有不同的債務償還期延展選擇。您必須與您的貸款機構聯繫，請求債務償還期延展。請記住，當您的債務償還期延展結束時，您必須補足這些漏過或減少的付款。



    強制保險 (Force-placed insurance)

    當您沒有自己的保單或您自己的保單不符合貸款機構的要求時，您的貸款機構可能會要求強制保險。強制保險通常只保護貸方，而不保護您。貸款機構將向您收取保費。強制保險通常比自己尋找保單更昂貴。



    止贖 (Foreclosure)

    止贖是指房主未能支付抵押貸款後，貸方或貸款機構收回房產。在某些州，貸方必須上法庭才能取消您的房產贖回權（法院裁定的取消抵押品贖回權），但其他州不需要法院程序（非法院裁定的取消抵押品贖回權）。通常，如果貸方或貸款機構開始止贖程序，必須通知借款人。聯邦規則可能適用於止贖何時開始。
    如果您擔心止贖，請了解如何獲得幫助。



    房地美（Freddie Mac）

    聯邦住房貸款抵押公司（英文簡稱爲 FHLMC）（房地美）是一家由國會創立的私人公司。其使命是透過從銀行和其他貸款機構購買抵押貸款促進住房市場的穩定性和可負擔性。該公司目前在聯邦住宅金融管理署（英文簡稱爲 FHFA）的指導下處於監管之中。

    了解有關常規貸款的更多資訊。



    真誠費用估算 (Good Faith Estimate)

    真誠費用估算（英文簡稱爲 GFE）是貸方在您申請反向抵押貸款時必須提供給您的表格。GFE 列出了有關反向抵押貸款條款的基本資訊。

    了解您何時會收到真誠費用估算。



    政府記錄收費 (Government recording charges)

    政府記錄收費是州和地方政府機構為合法記錄您的契約、抵押貸款和與您的住房貸款相關的文件收取的費用。

    更多資料見 (英文)


    高價抵押貸款 (Higher-priced mortgage loan)

    通常，高價抵押貸款的年利率或 APR 高於稱為平均優惠利率的基準利率。

    更多資料見 (英文)


    業主協會（英文簡稱為 HOA）會費 (HOA dues)

    如果您想要購買共管公寓、住房合作社管理公寓或計劃分區或其他提供共享服務的有組織社區的房屋，您通常需要支付共管公寓費或業主協會（英文簡稱爲 HOA）會費。這些費用差別很大。共管公寓或 HOA 會費通常與您的每月抵押貸款分開支付。如果您不支付這些費用，您可能會面臨業主協會的債務追收，甚至被取消抵押品贖回權。

    了解有關購房程序的更多資訊。


    房屋價值評估 (HOA dues)

    房屋價值評估是一份書面文件，顯示對房產價值的看法。價值評估為您提供有關房產的有用資訊。價值評估描述了房產的價值所在，並可能顯示該房產與鄰里其他房產的比較狀況。價值評估是對房產價值的獨立評估。

    了解有關爲什麽價值評估很重要的更多資訊。



    住房淨值抵押擔保信用額度（英文簡稱爲 HELOC）(Home equity line of credit - HELOC)

    住房淨值抵押擔保信用額度（英文簡稱爲 HELOC）是一種允許您以住房淨值為抵押借款的信用額度。住房淨值是您的房產當前價值金額減去您的房產的任何抵押貸款金額。與住房淨值貸款不同，HELOC 通常具有可調利率。對於大多數 HELOC，您會收到特別支票或信用卡，您可以在開設帳戶後的指定時間內借款。這段時間稱為「借款期」。在「借款期」内，您可以借款，但必須支付最低還款額。當「借款期」結束時，您將無法再從您的信用額度中借款。「借款期」結束後，您可能需要一次性還清所有餘額，或者可能允許您在一段時間內還款。如果您無法償還 HELOC，貸方可能會取消您的房屋抵押贖回權。



    住房淨值貸款 (Home equity line of credit - HELOC)

    住房淨值貸款（有時稱為 HEL）允許您使用住房淨值作為抵押品來借款。住房淨值是您的房產當前價值金額減去您的房產的任何現有抵押貸款金額。您從住房淨值貸款中一次性收到資金。住房淨值貸款通常有固定利率 — 不會改變的利率。如果您無法償還 HEL，貸方可能會取消您的房屋抵押贖回權。



    房屋檢查 (Home inspection)

    房屋檢查通常是購房程序的一部分。您通常有權聘請房屋檢查員檢查房產並指出其優點和缺點。這通常特別有助於檢測房屋的結構和機械系統，包括供暖、通風、空調和電氣系統。

    了解如何安排房屋檢查。


    購房價格 (Home purchase price)

    購房價格是買賣雙方同意支付給賣方的購買房屋的金額。

    了解有關如何找到合適的住房的更多資訊。


    房主保險 (Homeowner's insurance)

    如果發生火災或入室盜竊等意外情況，房主保險會賠償您的財產損失和損壞。當您有抵押貸款時，您的貸方希望確保您的財產受到保險的保護。這是為什麼貸方通常需要證明您擁有房主保險的原因。房主保險不同於抵押貸款保險。

    了解有關購房程序的更多資訊。



    業主協會（英文簡稱為 HOA）(Homeowners’ Association - HOA)

    業主協會（英文簡稱為 HOA）的成立通常是為了管理分攤費用，例如計劃分區或其他有組織社區的景觀美化和其他維護費用。共管公寓 HOA 承擔更多責任，例如維護車道、共用結構和屋頂。

    獲取有關 HOA 可能如何在您的抵押貸款對帳單中顯示的更多資訊。



    HUD

    住宅與城市發展部（英文簡稱爲 HUD）是一家政府機構，旨在幫助人們獲得和維護優質和可負擔的住房。他們培訓和贊助全美各地的住房顧問。HUD 批准的住房諮詢機構可向您提供購房者諮詢，幫助您了解和評估您的選擇。

    查找 HUD 批准的住房諮詢機構。



    HUD-1 過戶明細表 (HUD-1 settlement statement)

    住房與城市發展部第 1 號（英文簡稱為 HUD-1）過戶明細表列出了房地產過戶中買方和賣方的所有費用和信貸，或抵押貸款再融資中的所有費用。如果您申請反向抵押貸款或您在 2015 年 10 月 3 日或之前申請抵押貸款，您將收到 HUD-1。

    了解您何時會收到 HUD-1。



    指數 (Index)

    指數是反映一般市場狀況的基準利率。指數根據市場變化。指數變化以及您的貸款利率浮動百分比決定可調利率抵押貸款的利率變化。

    了解指數如何影響可調利率抵押貸款的利率。



    初始調整上限 (Initial adjustment cap)

    初始調整上限通常與可調利率抵押貸款（英文簡稱爲 ARM）相關聯。這個上限決定利率在固定利率期滿後第一次調整時可以增加多少。這個上限通常是百分之二或百分之五 — 這意味著在第一次利率變化時，新利率不能比固定利率期間的初始利率高出兩個（或五個）百分點以上。

    了解指數如何影響可調利率抵押貸款。



    初始代管存款 (Initial escrow deposit)

    如果您的貸方要求，初始代管存款是您在過戶時為啟動您的代管帳戶而支付的金額。

    更多資料見 (英文)


    利率 (Interest rate)

    抵押貸款的利率是您每年為借款而支付的費用，以百分比表示。它不反映您可能需要為貸款支付的費用或任何其他費用。例如，如果抵押貸款為 100,000 美元，利率為 4%，則該消費者同意在其借款的每年或欠付全部金額時支付 4,000 美元。

    查看您所在地區的利率。


    利率上限 (Interest rate cap)

    利率上限（有時也稱為年度上限）是可調利率抵押貸款（英文簡稱爲 ARM）每年可能發生的最高利率增長，即使利率在市場利率下會增長更多。例如，如果此上限為百分之二，則新利率不能比以前的利率高出兩個百分點以上。

    了解貸方如何使用指數和利率浮動百分比調整您的利率。



    只付息貸款 (Interest-only loan)

    只付息抵押貸款是一種定期還款的貸款，要求您在指定的時間內只支付利息。

    更多資料見 (英文)





    超過（房利美/房地美）上限的大額貸款 (Jumbo loan)

    每年房利美（Fannie Mae）、房地美（Freddie Mac）及其監管機構聯邦住宅金融管理署（英文簡稱為 FHFA）都會設定他們將從貸方購買的貸款的最高金額。

    更多資料見 (英文)



    貸方產權保險 (Lenders title insurance)

    貸方產權保險保護您的貸方免受您的房產產權問題的影響，例如有人對房屋提出法律索賠。貸方產權保險僅保護貸方免受產權問題的影響。為了保護自己，您可能需要購買業主產權保險。

    更多資料見 (英文)



    終身調整上限 (Lifetime adjustment cap)

    終身調整上限通常與可調利率抵押貸款（英文簡稱爲 ARM）一起使用。這個上限決定了在貸款期限內利率總共可以增加多少。例如，如果此上限為 5%，則意味著利率永遠不會比初始利率高出 5 個百分點。一些貸方可能有不同或更高的上限。

    了解指數如何影響可調利率抵押貸款。



    承擔 (Loan assumption)

    貸款承擔發生在買方購買賣方房屋時，買方接手賣方的抵押貸款。買方承擔賣方尚未償還的抵押貸款餘額，並按照最初的貸款條款付款，例如利率和剩餘的抵押貸款期限。當新的抵押貸款提供的利率高於賣方最初取得抵押貸款時的利率時，貸款承擔可能在財務上具有意義。

    房屋售價與承擔貸款餘額之間的差額等於買方需要支付的金額，可以用現金支付或者透過自己取得抵押貸款來支付。

    要接手抵押貸款，購屋者需要符合貸款承擔的資格要求。符合資格通常是根據對買方的信用和收入的審查，類似於對新抵押貸款的資格要求。

    貸款承擔也可以適用於獲得有抵押貸款的房產的所有權的情況，例如在去世或離婚後。



    延期還款 (Loan deferment)

    面臨難以償還抵押貸款困境的借款人通常有權向抵押貸款服務公司尋求幫助。抵押貸款服務公司可以同意延期還款，使借款人能夠藉由延遲償還逾期抵押貸款來避免止贖。當借款人重新貸款或出售房屋，或抵押貸款以其他方式終止時，延期還款金額即到期。


    貸款估算 (Loan estimate)

    貸款估算是您在申請抵押貸款後收到的一份三頁表格。

    更多資料見 (英文)


    貸款修改 (Loan modification)

    抵押貸款修改是對您的貸款條款的更改。修改是一種減損方法。修改可以將您的每月付款減少到您可以負擔的金額。修改可能涉及延長您必須償還貸款的年限、降低您的利率和/或債務償還期延展或減少您的本金餘額。如果向您提供貸款修改，請確保您知道它將如何改變您的每月付款以及您在短期和長期內的欠款總額。

    了解有關抵押貸款修改的更多資訊。



    貸款價值比 (Loan-to-value ratio)

    貸款價值比（英文簡稱爲 LTV）是一種將您的抵押貸款金額與房產評估價值進行比較的衡量標準。首付款越高，LTV 就越低。抵押貸款機構可以根據 LTV 來決定是否貸款給您，並確定他們是否要求私人抵押貸款保險。

    了解您的貸款價值比如何與您的費用相關。



    減損 (Loss mitigation)

    減損是指抵押貸款機構與抵押貸款借款人合作為避免止贖而採取的措施。減損是指貸款機構有責任減少或「減輕」投資者可能因止贖而遭受的損失。某些減損選擇可能幫助您繼續住在自己的住宅中。另一些選擇可能幫助您在不止贖的情況下離開自己的住房。減損選擇可能包括轉讓房產以替代止贖契約、債務償還期延展、還款計劃、短售或貸款修改。

    如果您在支付抵押貸款時遇到困難，或者您已經獲得提議並正在考慮各種減損選擇，請與住宅與城市發展部（英文簡稱爲 HUD）批准的住房諮詢機構聯繫。

    您可以使用消費者金融保護局（英文簡稱爲 CFPB）的 「查找顧問」 （Find a Counselor）工具，獲取您所在地區經 HUD 批准的住房諮詢機構名單。您也可以撥打每週七天、每天二十四小時開放的 HOPE™ 熱線電話 (888) 995-HOPE (4673)。



    利率浮動百分比 (Margin)

    利率浮動百分比是抵押貸款機構在初始利率期結束後為您的可調利率抵押貸款（英文簡稱爲 ARM）設定利率而添加到指數中的百分點數。利率浮動百分比在您的貸款協議中設定，在過戶後不會改變。利率浮動百分比金額取決於特定的貸方和貸款。

    了解利率浮動百分比如何影響可調利率抵押貸款。



    每月開支 (Monthly expenses)

    這是您每個月花費的錢款。它可能包括但不限於經常性债务，例如租金或抵押貸款付款、公用事业費、汽車付款、子女撫養費和保險費，以及食物等必需品开支。這些债务中的大多數都有固定的到期日。

    使用本支出跟踪工具評估您的每月支出。



    抵押貸款 (Mortgage)

    抵押貸款是您與貸方之間的協議，允許您借錢購房或為房屋再融資，並賦予貸方在您未能償還所借款項時收回您的房产的權利。

    如果您準備好申请抵押貸款，請了解有關購房的更多資訊。



    抵押貸款过户核查单 (Mortgage closing checklist)

    抵押貸款过户核查单是您可以用來準備和了解預期情況的步驟列表。該核查單可幫助您確定要提前提出的重要問題，以便您可以自信地過戶。

    利用本工作單準備過戶。



    抵押貸款過戶費 (Mortgage closing costs)

    抵押貸款過戶費是您在過戶時支付的所有費用。這包括貸款初辦手續費、價值評估費、信用報告費、產權保險費以及您的貸方要求的或作為房地產抵押貸款交易一部分支付的任何其他費用。貸方需要在貸款估算中向您提供這些費用摘要。

    了解有關過戶時發生的情況的更多資訊。



    抵押貸款保險 (Mortgage insurance)

    如果您拖欠付款，抵押貸款保險可以保護貸方。如果您的首付款低於房產價值的 20%，通常要求購買抵押貸款保險。聯邦住宅管理局（英文簡稱為 FHA）和美國農業部（英文簡稱爲 USDA）貸款通常也要求購買抵押貸款保險。但是，如果您有常規貸款並且您的首付款低於 20%，您很可能有私人抵押貸款保險（英文簡稱爲 PMI）。

    了解抵押貸款保險如何運作



    抵押貸款修改 (Mortgage loan modification)

    抵押貸款修改是對您的貸款條款的更改。修改是一種減損類型。

    更多資料見 (英文)



    抵押貸款再融資 (Mortgage refinance)

    抵押貸款再融資是指您申請新貸款以還清並取代舊貸款。再融資的常見原因是降低月利率、降低抵押貸款還款額或借入額外資金。當您再融資時，您通常需要支付過戶費和收費。如果您再融資並獲得較低的每月付款，請確保您了解減少的金額有多少來自較低的利率，有多少是因為您的貸款期限延長。

    我應當再融資嗎？

    抵押貸款再融資消費者指南

    您的房屋貸款工具包

    可調利率抵押貸款消費者手冊



    抵押貸款期限 (Mortgage term)

    您的抵押貸款期限是您必須償還貸款的期限。對於大多數類型的房屋，抵押貸款期限通常為 15 年、20 年或 30 年。

    查看貸款期限選擇。



    貸款初辦費 (Origination Fee)

    貸款初辦費是貸方向借款人收取的發放抵押貸款的費用。貸款初辦費可能包括處理申請、承銷和資助貸款以及其他行政服務費。貸款初辦費通常只能在某些情況下增加。

    了解有關抵押貸款初辦費的更多資訊。



    業主產權保險 (Owner's title insurance)

    如果有人在房主購房之前起訴並聲稱他們對房屋提出索賠，則業主產權保險可為房主提供保護。

    更多資料見 (英文)



    PACE 融資 (Pace financing)

    PACE 融資提供一種為節能住宅改善提供資金的方式。

    更多資料見 (英文)


    部分索賠 (Partial claim)

    部分索賠是一種利用抵押貸款保險來幫助陷入困境的屋主避免止贖的方法。抵押貸款服務公司向抵押貸款保險公司提出索賠，索賠金額等於未支付的抵押貸款金額，保險公司會將這筆錢存入一個獨立的帳戶中。接著，當借款人為抵押貸款重新貸款、出售房屋或以其他方式終止抵押貸款時，部分索賠的金額將支付給抵押貸款服務公司。有時，部分索賠金額可能不足以涵蓋未付款的全部金額，此時借款人必須支付差額。



    付清金額 (Payoff amount)

    您的付清金額是您實際需要支付多少金額才能滿足您的抵押貸款條款並完全還清您的債務。您的付清金額與當前餘額不同。您的當前餘額可能無法反映您實際需要支付多少金額才能完全償還貸款。您的付清金額還包括在您打算還清貸款之日之前欠付的任何利息付款。付清金額還可能包括您已產生但尚未支付的其他費用。



    PCS 命令 (PCS orders)

    現役軍人可能會收到永久性遷基地（英文簡稱為 PCS）命令。PCS 命令是將軍人（以及與他們同住的任何家庭成員）正式搬遷到不同的工作地點。如果軍人擁有房屋，他們可能會選擇出售。如果軍人欠付的房屋費用超過房屋的價值，他們可能很難賣掉房屋。一些貸款機構提供的計劃允許軍人出售他們的房屋，而不必償還剩餘的貸款餘額。請查閲軍人資源，了解更多資訊。



    PITI

    本金、利息、稅金和保險（亦稱爲 PITI）是每月抵押貸款還款的四個基本要素。

    更多資料見 (英文)



    PMI

    私人抵押貸款保險（英文簡稱爲 PMI）是一種使您的貸方受益的抵押貸款。如果您的首付款低於物業價值的 20% 並且您有常規貸款，您可能需要支付 PMI。一旦您在住宅中積累了一定金額的資產淨值，您就可以取消 PMI。

    了解何時需要 PMI 的更多資訊。



    預付利息收費 (Prepaid interest charges)

    預付利息收費是在您的抵押貸款過戶之日到您的第一個月抵押貸款付款涵蓋階段之間您的貸款產生的任何每日利息在過戶時應付的費用。

    更多資料見 (英文)



    提前償付貸款罰金 (Prepayment penalty)

    提前償付貸款罰金是一些貸方在您提前償還全部或部分抵押貸款時收取的費用。如果您有提前償付貸款罰金，您在房屋過戶時應當已經同意支付該罰金。並非所有抵押貸款都有提前償付貸款罰金。



    本金 (Principal)

    本金是您必須償還的抵押貸款金額。您的每月付款包括該本金的一部分。當償還本金時，借款人欠款金額會減少，並且根據較低的貸款金額將支付 較少的利息。

    了解利率與本金之間的區別。



    財產稅 (Property taxes)

    財產稅是地方司法管轄部門（通常在縣級）根據徵稅財產的價值徵收的稅款。通常，財產稅是在房主的每月抵押貸款付款中徵收的，然後每年一次或多次支付給相關司法管轄部門。這稱為代管帳戶。如果貸款沒有代管帳戶，房主將直接支付財產稅。

    了解有關購房程序的更多資訊。



    合格抵押貸款 (Qualified mortgage)

    合格抵押貸款是一種類型的貸款，具有某些更穩定的特徵，有助於使您更有可能負擔得起貸款。

    更多資料見 (英文)



    合格書面請求（英文簡稱爲 QWR）(Qualified Written Request - QWR)

    合格書面請求（英文簡稱爲 QWR）是您或代表您的人可以發送給您的抵押貸款機構的書面信件。您還可以向您的貸款機構發送「錯誤通知」或「資訊請求」，用於取代 QWR。

    更多資料見 (英文)


    償還計劃 (Repayment plan)

    償還計劃是一種結構化的方式，用於彌補您在一段時間內未付的抵押貸款付款。這是一種減損方法。如果您在支付抵押貸款時遇到困難，您的貸方或貸款機構可能會允許您簽訂償還計劃。在制定償還計劃之前，請確保您了解該計劃的要求以及您是否能夠支付新款項。



    反向抵押貸款 (Reverse mortgage)

    反向抵押貸款允許 62 歲或以上的房主從其房屋淨值中借款。這稱為「反向」抵押貸款，因為您不是向貸方付款，而是從貸方那裡收到錢款。您收到的錢款和貸款收取的利息每月都會增加您的貸款餘額。目前大多數反向抵押貸款都稱為 HECM，這是住房淨值可變現抵押貸款的縮寫。

    了解申請反向抵押貸款前應考慮的事項。



    撤銷權 (Right of rescission)

    撤銷權是指消費者有權取消某些類型的貸款。如果您透過抵押貸款購買房屋，您無權在過戶文件簽署後取消貸款。但是，如果您為抵押貸款再融資，您可以在交易後第三個工作日午夜之前撤銷（取消）抵押貸款合約。該三天時間從您簽署信貸合約（通常稱為本票），您收到誠信借貸披露表，並且收到兩份解釋您撤銷權利的通知副本後才開始計時。



    第二抵押貸款 (Second mortgage)

    第二抵押貸款或初級留置權是您使用您的房屋作為抵押品而獲得的貸款，而您仍有另一筆貸款以您的房屋為抵押。

    了解有關第二抵押貸款的更多資訊。



    擔保物權 (Security interest)

    如果您不償還所借的錢款，擔保物權可允許貸方取消抵押品贖回權。

    更多資料見 (英文)


    賣方融資 (Seller financing)

    賣方融資是您的房屋的賣方向您提供的貸款。

    更多資料見 (英文)



    貸款機構 (Servicer)

    您的抵押貸款機構是向您發送抵押貸款報表的公司。您的貸款機構還負責管理您的貸款的日常任務。

    您的貸款機構通常會處理您的貸款付款、回复借款人的詢問、跟踪支付的本金和利息，並管理您的代管帳戶（如有）。在某些情況下，貸款機構可能會發起止贖。您的貸款機構可能是也可能不是最初向您提供貸款的公司。



    增值共享抵押貸款 (Shared appreciation mortgage)

    根據增值共享抵押貸款，您同意與您的貸方分享您的房屋價值的任何增值部分。

    更多資料見 (英文)



    短售 (Short sale)

    短售是指以低於您所欠抵押貸款的價格出售您的房屋。短售是止贖的另一種替代方法，但由於是出售，您將必須離開您的住宅。如果您的貸方或貸款機構同意短售，您可以出售房屋以還清抵押貸款，即使售價或收益低於抵押貸款餘額。短售是一種減損類型。如果您住在需要對任何清償抵押債務餘額（即您的房產價值與您仍欠抵押貸款金額之間的差額）負責任的州，您應當要求您的貸方豁免清償抵押債務餘額。如果貸方豁免清償抵押債務餘額，請獲得書面豁免證書，並將其保存在您的記錄中。



    次級抵押貸款 (Subprime mortgage)

    當貸方使用該術語時，它們通常是指為不符合優質貸款條件的借款人提供的貸款計劃，通常利率較高。

    了解有關購房程序的更多資訊。



    勘測圖 (Survey)

    勘測圖是您的房產的圖紙，顯示地塊、房屋和任何其他結構的位置，以及對房產的任何改進。

    更多資料見 (英文)



    產權轉移手續費 (Title service fees)

    產權轉移手續費是您在獲得抵押貸款時支付的過戶費的一部分。當您購買房屋時，您會收到一份通常稱為契約的文件，該文件表明賣方將其對房屋的合法所有權或「產權」轉讓給您。產權轉移手續費是與為貸方簽發產權保單相關的費用。

    更多資料見 (英文)



    總利息百分比（英文簡稱為 TIP）(Total interest percentage - TIP)

    總利息百分比（英文簡稱為 TIP）是一種資訊披露，告訴您在抵押貸款的整個期限內您將支付多少利息。

    更多資料見 (英文)



    付款總額 (Total of payments)

    這個數字告訴您在抵押貸款期限內您將支付的總金額。

    更多資料見 (英文)



    TRID

    TRID 是一些人用來指代《誠信借貸法》與《不動產過戶程序法案》（英文簡稱為 TILA-RESPA）綜合資訊披露（TILA RESPA Integrated Disclosure）規定的首字母縮略語。

    更多資料見 (英文)



    USDA 貸款 (USDA Loan)

    農村住房服務署是美國農業部（英文簡稱為 USDA）的一部分，它向達到 USDA 收入資格要求的農村購房者提供無首付款和普遍優惠利率的抵押貸款計劃。

    了解有關此項計劃和其他特殊貸款計劃的更多資訊。



    VA 貸款 (VA loan)

    VA 貸款是退伍軍人事務部（英文簡稱爲 VA）提供的一項貸款計劃，旨在幫助現役軍人、退伍軍人和合格的未亡配偶購房。 退伍軍人事務部不提供貸款，但會制定有關哪些人符合資格和抵押貸款條款的規則。退伍軍人事務部為部分貸款提供擔保，以降低貸款人遭受損失的風險。貸款通常僅適用於主要居所。

    如果您是退伍軍人，請了解VA 貸款是否適合您。

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    買房前請做好資金籌備

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    買房是許多家庭的夢想，但您可能不知道從何入手或何時可以準備就緒。以下是成為房主所經歷的一些步驟。我們的《購房指南》中提供了更完整的英文解釋。

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    貸款人在向您提供購房貸款之前，會決定您是否有能力償還貸款。他們會考慮您的收入、資產、就業狀況、儲蓄和每月償債金額等因素。他們還會查看您的信用報告和信用評分，以瞭解您是否按時償還了債務。

    為什麼銀行賬戶對理財很重要（英文版）

    為什麼您的信用記錄很重要以及如何改善信用記錄（英文版）

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    您需要瞭解自己目前的支出情況，這樣才能決定每月能為新房支付多少費用。請列一張清單，寫明您在一個月內的所有花費。將您的每月支出與您的每月實得工資進行比較。

    此外，還要決定每月要留出多少錢用於儲蓄、應急和其他目的。

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    將您的工資與支出進行比較後，看看您在住房總支出上能夠承擔多少。人們在擁有住房時需要持續支付的費用包括：

    • 抵押貸款的本息支付
    • 抵押貸款保險
    • 房產稅
    • 房主保險
    • 補充保險，例如洪水保險
    • 業主協會 (HOA) 費用
    • 房屋維護和修理
    • 水電費

    某些開支，如稅收和保險，會隨著時間的推移而增加。

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    首付款會改變您的還款金額和時間。

    首付款金額越大，一開始所需的現金就越多，但每月付款額會更低，貸款的總成本也會更低。您借的錢沒有那麼多，所以要還的錢也更少。您支付的利息也會更少，因為您要為較少的貸款餘額支付利息。而且，如果您的首付款達到或超過房屋價格的 20%，您通常無需支付抵押貸款保險（英文版）。這可以為您省錢，尤其是在抵押貸款期內的最初幾年。

    另一方面，較多的首付款可能意味著您用於消費的資金會更少。在貸款處理結束時，您可能需要現金，例如支付過戶費。此外，您可能還需要支付搬入新房的費用，改良或維修費用，以及為使房屋舒適而購買的新物品的費用。

    可用的低首付款方案

    許多計畫可以幫助您用少量首付款或無需首付款即可購房。低首付款方案可能意味著在貸款期內需要支付更高的費用。當您與貸款機構會面時，請提出問題並要求查看多個貸款報價。

    首付款只是您前期付款的一部分

    當您簽署新房文檔時，您必須支付費用和其他成本才能獲得抵押貸款。這些費用稱為過戶費。通常，過戶費占房屋購價的 2% 到 5% 不等（且不包括您的首付款）。不過，實際過戶費取決於房屋價格、您的首付款、貸款人費用、貸款類型、房屋類型和所處地點。

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    幫助您購買第一套住房

    許多州和地方組織都提供幫助首次購房者支付首付款或過戶費的計畫。請查找您附近的計畫：

    您也可以聘請住房顧問幫助您：

    • 決定您買房的合適時機，或如何改善您的信用（英文版）以獲得更好的報價
    • 仔細瞭解您的抵押貸款選擇，或者如果您的信用記錄有所改善，您還可以有哪些其他選擇
    • 查看您的信用報告、收入和其他財務資訊，並解釋抵押貸款機構如何評估您的申請

    找出可能妨礙您申請的問題

    歧視屬於非法行為

    貸款機構不得基於以下理由拒絕為您提供貸款、向您收取更高的付款額或利率、向您提供不利的條款或阻止您申請貸款：

    • 種族
    • 膚色
    • 宗教
    • 原籍
    • 性別（包括性取向和性別認同）
    • 婚姻狀況
    • 年齡
    • 接受公共援助
    • 善意行使《消費者信用保護法》賦予您的權利

    如果您在抵押貸款方面遇到問題，可以在線上提交投訴，或致電 (855) 411-CFPB (2372)。

    「契約合約 」可能帶來麻煩

    契約合約（有時也稱為「契約債券」、「土地分期付款合約」或「按合約購房」）是指透過分期付款計畫而非傳統的抵押貸款的方式來購房。您無需向單獨的抵押貸款機構申請貸款，向賣方支付房產的全款，而是可以同意按月向賣方支付分期付款。賣方保留房產契約，直到合約履行完畢。房產契約代表房屋的合法所有權。

    為了讓您瞭解自己在契約合約中的權利，請最好與一名律師進行溝通。以下是在您所在州尋找律師的建議。

    根據契約合約，在合約期內，您必須作為房產所有人行事，即使契約還不屬於您。在典型的契約合約中，您需要支付房產稅、保險、維修和維護費用。

    在傳統抵押貸款中，如果您拖欠還款，貸款人通常需要等待一段時間才能開始止贖。如果簽訂的是契約合約，則賣方通常可以立即啟動驅逐程式。如果您出現以下情況，則可能很快被驅逐：

    • 拖欠一次每月付款額
    • 如果合約有要求，但卻無法支付金額較大的「大額尾付償付款」
    • 無法支付合約中規定的其他費用，如稅收和維護費

    此外，賣方通常會保留您為房屋投入的所有資金和工作。

    即使您支付了合約規定的所有款項，仍舊可能會遇到麻煩。賣方可能沒有該房屋的完全產權。例如，賣方可能拖欠房產的留置權或抵押貸款。或者賣方有時乾脆拒絕交出契約。有時，賣方會收取您的稅收和保險，但實際上並沒有支付，因此當您最終擁有房屋時，會面臨大筆賬單、罰款和其他問題。

    如果您在房契合約方面遇到問題，可以在線上提交投訴或致電 (855) 411-CFPB (2372)。

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    Shopping for a mortgage (in Traditional Chinese)
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    查找抵押貸款

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    查找抵押貸款需要花費時間和精力。但這可以為您節省成千上萬美元。將您的目標定為比較不同貸款公司提供的至少三份貸款報價。

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    至少獲得三份預先批准

    網際網路和報紙是您開始尋找抵押貸款公司的好地方。聯繫銀行、信用社和可能專門針對您的情況的組織，例如：首次購房者、退伍軍人、公共部門工作人員或其他人。

    至少從三家不同貸款公司獲取「預先批准」。這意味著貸款公司會查看您的財務狀況，包括您的信用報告，並估計您能借多少錢以及您可能會支付的利息。

    「預先批准」讓您嘗試接觸每家貸款公司，看看他們提供怎樣的貸款和價格。當您在短時間內獲得所有三份「預先批准」時，這對您的信用評分應該沒有大的影響。

    當您做了一些決定後，您可以再來找這些貸款公司，向他們索取貸款報價。

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    選擇貸款期限、利率結構和方案

    貸款期限：更長或更短

    一般來說，較長的貸款期限在整個貸款期間花費較多。但您的月付款額通常較低。您可以與貸款公司協商不同的貸款期限，例如 20 年，7 年，甚至超過 30 年。

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    大多數購房者選擇 30 年的貸款，因為付款可以很低。

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    付款額通常比 30 年貸款高，但您的貸款會在 15 年內還清，貸款的總成本較低。

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    貸款利率結構：固定利率或可調利率

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    固定利率貸款很常見。使用可調利率貸款，您的初始付款可能較低，但如果利率上升，您可能面臨急劇增加的付款額。

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    您的利率和月付款額在您的貸款期限內保持不變。

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    您的利率通常在貸款的前幾年是固定的。一旦固定期滿，利率將根據「指數」進行定期調整。指數是對利率進行的總體衡量，它反映了整體經濟的趨勢。這意味著您的付款金額可能增加或減少。您從貸款公司那裡收到的貸款評估中囊括了詳情。

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    貸款方案：常規、FHA 貸款、VA 貸款或特殊方案

    目前提供許多貸款方案，有些是為了幫助某些情況或群體的人員獲得抵押貸款而設置的。

    首付款為 5% 或以上？

    諮詢有關房利美 (Fannie Mae) 或房地美 (Freddie Mac) 的合格貸款，通常稱為「常規」貸款。

    只付少量首付款？

    諮詢有關 FHA 擔保的貸款。

    您是軍人或退伍軍人嗎？

    諮詢有關 VA 擔保的貸款。

    在農村地區購房嗎？

    諮詢美國農業部 (USDA) 提供贊助的貸款。

    首次購房的低收入或中等收入者？

    諮詢您所在州的住房融資機構提供的貸款。

    比較貸款報價

    現在是時候啟動正式申請程序了。請求您的貸款公司提供反映您對貸款類型、方案和期限選擇的貸款報價。然後您就可以對同類產品進行比較了。

    首先，請比較貸款的基本部分：

    • 貸款的期限是什麼？
    • 利率是多少？
    • 貸款的首付款是多少？
    • 月付款額是多少？
    • 對於可調利率抵押貸款，付款調整和利率是否有上限？如果市場利率下降，利率是否會下降？

    接著，比較其他可能影響您的成本的詳情：

    • 我的付款何時才能還清我的本金？
    • 在整個貸款期間，付款方式是否會改變？我的付款可以達到多高？
    • 我的付款是否包括房產稅和保險？如果不包括，我是否有能力單獨支付這些費用？
    • 哪些成本和費用將添加到我的首筆付款中？添加到我的持續付款中？
    • 我是否需要支付點數（可降低利率的前期費用）？
    • 我的借款金額中包括哪些費用和成本（通常用於「無過戶費」貸款）？
    • 書面報價與我被告知的貸款內容是否一致？
    • 我能否從不同的服務提供者那裡得到更好的結算服務交易？
    • 我是否可以提前償還貸款，或支付比預定金額更多的款項，而不會受到懲罰？

    爭取更好的交易

    一旦您看到幾份貸款公司的報價，詢問他們是否可以給予更好的條款。談判是很常見的，問一下也無妨。貸款公司可能會免除或減少一項或多項費用，或降低利率或點數。

    確保貸款公司不會在降低一項費用的同時提高另一項費用，或者降低您的利率但提高您的點數。

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    5 U.S.C. 552a(e)(3)

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    The information you provide will permit the Consumer Financial Protection Bureau (CFPB) to process your request and send you information about the CFPB, its work, and other information related to financial education, regulation, and enforcement.

    The Bureau may collect personally identifiable information (PII) such as email address, name, and mobile telephone numbers, along with other basic contact information.

    Information collected by the CFPB is treated in accordance with the System of Records Notice (SORN) CFPB.011 CFPB Correspondence Tracking Database. Although the Bureau does not anticipate further disclosing the information provided, it may be disclosed as indicated in the Routine Uses described in the SORN.

    This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013, codified at 12 U.S.C. §§ 5491, 5492, 5493.

    You are voluntarily providing this information to the CFPB and may withdraw your subscription at any time. However, if you do not provide the information, we may not be able to process your request.

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    5 U.S.C. 552a(e)(3)

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    The information you provide will permit the Consumer Financial Protection Bureau (CFPB) to process your request and send you information about the CFPB, its work, and other information related to financial education, regulation, and enforcement.

    The CFPB may collect personally identifiable information (PII) such as email address, name, and mobile telephone numbers, along with other basic contact information.

    Information collected by the CFPB is treated in accordance with the System of Records Notice (SORN) CFPB.011 CFPB Correspondence Tracking Database. Although the CFPB does not anticipate further disclosing the information provided, it may be disclosed as indicated in the Routine Uses described in the SORN.

    This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013, codified at 12 U.S.C. §§ 5491, 5492, 5493.

    You are voluntarily providing this information to the CFPB and may withdraw your subscription at any time. However, if you do not provide the information, we may not be able to process your request.

    Managing subscriptions or unsubscribing

    Click here to view and manage your email subscriptions or to unsubscribe.

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    Submitting a petition

    You can submit your petitions for rulemaking by emailing petitions@cfpb.gov.

    In addition, you may also submit petitions by mail, hand delivery, or courier to:

    Rulemaking Petitions Docket
    Attn: Legal Division Docket Manager
    Consumer Financial Protection Bureau
    1700 G Street NW, Washington, D.C. 20552

    To ensure proper handling, we recommend that you submit petitions for rulemaking only through these methods. We also recommend that you state that it is a petition under section 553(e) of the Administrative Procedure Act. To assist us in our review and consideration of your petition, we recommend that you include the following information with your submission:

    • Your contact information (full name, address, telephone number, email address)
    • The type of action you are requesting (e.g., whether the CFPB should issue a new rule or repeal or amend an existing rule)
    • The factual and legal reasons for the proposed action
    • The expected effects the proposed action will have on relevant parties (e.g., consumers, industry, enforcement authorities)

    All petitions, including attachments and other supporting materials, will become part of the public record and subject to public disclosure. Proprietary information or sensitive personal information, such as account numbers or Social Security numbers, or names of other individuals, should not be included. Petitions will not be edited to remove any identifying or contact information.

    The CFPB may, in its discretion, decide not to post submissions and other materials, or portions thereof, including the following:

    • Duplicate identical submissions (submitted by the same submitter(s) through different means)
    • Copyrighted material owned by someone other than the submitter
    • Confidential business information (CBI)
    • Spam submissions
    • Threats of harm or violence
    • Submissions that are disavowed by the named author or submitter

    If a submission is determined to be a petition, it will be assigned a docket number and posted to Regulations.gov for public comment. The petitioner will be notified once the petition has been docketed. After the comment period closes, the CFPB will review the petition and any submitted comments and issue a final response. The final response will also be posted to the docket on Regulations.gov and to this webpage.

    Links to petitions we have received appear below. As new petitions are added, members of the public may comment on petitions by following instructions at those links.

    +

    Submitting a petition

    You can submit your petitions for rulemaking by emailing petitions@cfpb.gov.

    In addition, you may also submit petitions by mail, hand delivery, or courier to:

    Rulemaking Petitions Docket
    Attn: Legal Division Docket Manager
    Consumer Financial Protection Bureau
    1700 G Street NW, Washington, D.C. 20552

    To ensure proper handling, we recommend that you submit petitions for rulemaking only through these methods. We also recommend that you state that it is a petition under section 553(e) of the Administrative Procedure Act. To assist us in our review and consideration of your petition, we recommend that you include the following information with your submission:

    • Your contact information (full name, address, telephone number, email address)
    • The type of action you are requesting (e.g., whether the CFPB should issue a new rule or repeal or amend an existing rule)
    • The factual and legal reasons for the proposed action
    • The expected effects the proposed action will have on relevant parties (e.g., consumers, industry, enforcement authorities)

    All petitions, including attachments and other supporting materials, will become part of the public record and subject to public disclosure. Proprietary information or sensitive personal information, such as account numbers or Social Security numbers, or names of other individuals, should not be included. Petitions will not be edited to remove any identifying or contact information.

    The CFPB may, in its discretion, decide not to post submissions and other materials, or portions thereof, including the following:

    • Duplicate identical submissions (submitted by the same submitter(s) through different means)
    • Copyrighted material owned by someone other than the submitter
    • Confidential business information (CBI)
    • Spam submissions
    • Threats of harm or violence
    • Submissions that are disavowed by the named author or submitter

    If a submission is determined to be a petition, it will be assigned a docket number and posted to Regulations.gov for public comment. The petitioner will be notified once the petition has been docketed. After the comment period closes, the CFPB will review the petition and any submitted comments and issue a final response. The final response will also be posted to the docket on Regulations.gov and to this webpage.

    Links to petitions we have received appear below. As new petitions are added, members of the public may comment on petitions by following instructions at those links.

    @@ -2142,7 +2142,7 @@

    - Open petition + Closed petition

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