2024年3月1日 • 8分钟
如果你是 计划买房, you have likely heard the terms prequalification and preapproval. 虽然这些术语经常互换使用, there are some key differences that matter when it comes to buying.
These are both two optional steps you can take to start the loan approval process and get an estimate of how much you can borrow from a lender. But what are the differences between them, and which one should you do first? Typically, buyers will undergo prequalification first and then preapproval.
资格预审很简单, quick process that provides a general indication of whether you would qualify for a mortgage. 获得资格预审, you just need to provide some basic information about your income, 资产, 信贷, 还有对出借人的债务. The lender will then give you an estimate of the loan amount, types of loan programs and interest rate you may qualify for, 根据您提供的信息. Prequalification does not require a 信贷 check or any documentation, so it does not affect your 信贷 score or guarantee you a loan.
Prequalification is a good way to start your homebuying journey, especially if you are not sure what homes you can afford or what loan options are available to you. It can also help you prepare for the preapproval process by giving you an idea of what lenders will look for and what you need to improve on your financial profile.
资格预审不会 影响你的信用 因为它不会导致严格的信用检查. You can get prequalified several times without it showing up on your 信贷 report.
Before you work with a lender, ask them if they’re going to run a 信贷 check. That will determine whether or not you are getting prequalified or preapproved.
Because prequalification does not come with a specific offer from a lender, 没有固定的时间框架. 得到 prequalified is a fairly quick process and you should find out within a day or so if you’re prequalified.
Just remember, prequalification also depends on the information you provide to the lender. If anything changes for the worse, then your prequalification status may no longer be accurate.
这份 is a more formal and comprehensive process that requires you to submit more documentation and undergo a full 信贷 check. 获得预先批准, you will need to fill out a mortgage application and provide documents such as your W-2s, 工资单, 银行对账单, 还有纳税申报单. The lender will then verify the information you provided and run a 信贷 check, which will show up as a hard inquiry on your 信贷 report. 贷款人会给你一份预批准信, which is a conditional commitment to lend you a specific amount of money, as long as you meet certain conditions by the time you close on the home.
这份 is a stronger and more reliable indicator of your 信贷worthiness and your ability to secure a mortgage. It shows sellers and real estate agents that you are a serious and qualified buyer who can make a competitive offer on a home. It also gives you more confidence and clarity when shopping for a home, as you know exactly how much you can borrow and what your monthly payments will be. 预先批准还可以加快贷款流程, as you have already submitted most of the required information to the lender.
得到 preapproved can 影响你的信用 because a hard inquiry will appear on your report. 这份 should only result in a slight drop in your 信贷 score, 你的分数几个月后就会恢复.
The best way to avoid hurting your 信贷 is to only get approval when you’re ready to buy a home. If you’re only casually looking, then you can hold off on getting preapproved.
预审批过程可能需要几天时间, especially if you are self-employed or have a complicated financial situation. 如果你需要一个担保人, you will also have to provide their financial and personal information as well.
Once you are preapproved, that will be good for up to 90 days, depending on the lender. During that time, you can shop around for a home knowing that you are preapproved for a mortgage.
Prequalification is a good way to start your homebuying journey, especially if you are not sure what homes you can afford or what loan options are available to you. It can also help you prepare for the preapproval process by giving you an idea of what lenders will look for and what you need to improve on your financial profile.
The answer depends on your personal situation and your homebuying goals. 如果你是 just starting to explore the market and want to get a rough idea of your borrowing power, 资格预审可能就足够了. 然而, if you are ready to make an offer on a home or want to have an edge over other buyers, 预先批准是可行的方法. 这份 can also help you avoid potential surprises or delays in the loan process, 因为这些问题已经需要解决了.
无论如何, prequalification and preapproval are both optional and free steps you can take to prepare for your home purchase. They are not binding or final, and they do not guarantee you a loan. You will still need to complete the full loan application and underwriting process after you find a home and sign a purchase contract. 最终的贷款批准将取决于评估结果, 标题搜索, 检查, and other factors related to the property and the loan program you choose.
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