{"id":31802,"date":"2018-11-24T01:22:05","date_gmt":"2018-11-23T19:52:05","guid":{"rendered":"http:\/\/officechai.com\/?p=31802"},"modified":"2021-01-22T14:33:00","modified_gmt":"2021-01-22T09:03:00","slug":"types-home-loans-one-right","status":"publish","type":"post","link":"https:\/\/officechai.com\/miscellaneous\/types-home-loans-one-right\/","title":{"rendered":"Types of Home Loans: Which One is Right For You?"},"content":{"rendered":"<p><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">Whether you\u2019re a student with a small nest egg of savings or a professional with a deposit ready to go, there are a number of options available for you to choose from when it comes to getting yourself on the property ladder. <\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">Before immersing yourself in the nitty gritty, it is important to consider a few factors before you set off on your homeownership adventure. Firstly, you\u2019d want to set yourself a realistic goal as to how much you can afford to spend\/borrow. You don\u2019t want to be spending the next 30 years regretting the decision that you\u2019ve punched well above your weight and have ended up in a situation that leaves you with a property that is fiscally (and by extension, emotionally) draining.<\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-30752\" src=\"https:\/\/i0.wp.com\/officechai.com\/wp-content\/uploads\/2018\/07\/shutterstock_392206882-1-e1496594684886.jpg?resize=640%2C350\" alt=\"should interest rate be the only factor while choosing a home loan\" width=\"640\" height=\"350\" srcset=\"https:\/\/i0.wp.com\/officechai.com\/wp-content\/uploads\/2018\/07\/shutterstock_392206882-1-e1496594684886.jpg?w=855&amp;ssl=1 855w, https:\/\/i0.wp.com\/officechai.com\/wp-content\/uploads\/2018\/07\/shutterstock_392206882-1-e1496594684886.jpg?resize=300%2C164&amp;ssl=1 300w, https:\/\/i0.wp.com\/officechai.com\/wp-content\/uploads\/2018\/07\/shutterstock_392206882-1-e1496594684886.jpg?resize=768%2C420&amp;ssl=1 768w, https:\/\/i0.wp.com\/officechai.com\/wp-content\/uploads\/2018\/07\/shutterstock_392206882-1-e1496594684886.jpg?resize=500%2C274&amp;ssl=1 500w, https:\/\/i0.wp.com\/officechai.com\/wp-content\/uploads\/2018\/07\/shutterstock_392206882-1-e1496594684886.jpg?resize=600%2C328&amp;ssl=1 600w, https:\/\/i0.wp.com\/officechai.com\/wp-content\/uploads\/2018\/07\/shutterstock_392206882-1-e1496594684886.jpg?resize=71%2C40&amp;ssl=1 71w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">Here\u2019s a handy list (courtesy of Lendi [1]):<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">How much you want to borrow<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">Your income and employment history<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">Details of your expenses, assets, and liabilities<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">How you\u2019d like to repay your <a href=\"https:\/\/www.credible.com\/mortgage\">home loan<\/a><\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">If you\u2019d prefer an offset account, redraw <\/span><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">the facility, or the flexibility to make extra repayments<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">Your requirements and objectives<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400; font-size: 12pt; color: #000000;\">Secondly, it is key to do the necessary research to get the best possible deal for your current financial situation. Thankfully there are resources available online that can help you get a clearer understanding of the necessary processes as well as the kind of financial options that are available in today\u2019s real estate market.<\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><span style=\"font-weight: 400;\">We\u2019ve compiled a list of the most common types of home loans available and how you would be able to best benefit from them.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Fixed-rate loan<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Owing to its predictability, this type of loan is the most popular option for <span style=\"color: #33cccc;\"><a style=\"color: #33cccc;\" href=\"http:\/\/officechai.com\/learn\/interest-rate-criterion-choosing-home-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\">home buyers<\/a><\/span>. If you opt for a fixed-rate loan, your repayments will be consistent for the life of your loan, a feature which appeals to those who need stability; young families, for example. The main drawback of this arrangement is the loss of potential benefits from a temporarily decreased rate, but those who choose this option are typically won over by the promise of consistent, manageable mortgage repayments. If you\u2019re looking for something a bit more flexible, you might be better off with an\u2026<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Adjustable-rate loan<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">As the name suggests, an adjustable-rate loan <a href=\"http:\/\/officechai.com\/miscellaneous\/types-home-loans-one-right\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"color: #33cccc;\">allows<\/span> <\/a>for the fluctuation of interest rates [2], which means the homebuyer stands to win or lose depending on whether rates rise or fall. Typically, this structure will net you lower rates for the first few years of your loan, which makes this a great option for buyers with poor <span style=\"color: #000000;\">credit scores<\/span>. The unpredictability of interest rates could create problems for those with less expendable income, or in the event of unforeseen expenses. \u00a0If that lack of expendable income is making it difficult to save a sizeable deposit, it\u2019s worth looking into an\u2026<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>FHA loan<\/b> <span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Young home buyers love this option, and for several good reasons. Large sums of money can be hard to come by for young singles and couples, and the low down payment requirement of 3.5% topples a major hurdle. An FHA loan is also extra lenient when it comes to credit scores and income qualification, which is bound to appeal to those entering the housing market for the first time. Be wary, however, of changing interest rates if you are taking on a large loan &#8211; the extra repayments can add up quickly. The best part is that the FHA loan opens the prospect of home ownership for many, but the same can\u2019t be said for the\u2026<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span> <span style=\"font-weight: 400;\"><br \/>\n<\/span><b>VA loan <\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Thanks to its bundle of attractive benefits, the VA loan is looked upon as the most attractive mortgage option, but it\u2019s only available to eligible war veterans. This loan type enables veterans to waive the down payment and finance 100 percent of a house\u2019s value without taking out mortgage insurance. It also promises low mortgage rates for the life of the loan, making this the cheapest type of loan available.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">The perks are nothing to sniff at, but this type of loan requires a veterans\u2019 certificate of eligibility and a credit score of 620. If you are ineligible for a VA loan, you might have more luck with something more accessible, like a\u2026<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/span><\/p>\n<p><span style=\"font-size: 12pt; color: #000000;\"><b>Conventional loan <\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Conventional loans are similar to Government-insured loans in some ways, only more stringent; a down payment between 5 and 20 percent is required, as is mortgage insurance on loans of over 80% of the property value[3], and applicants\u2019 credit scores are scrutinised before the money is issued. The benefit of lower private mortgage insurance fees means that home buyers who have good credit and savings for a large down payment may be better off with a conventional loan than an FHA loan. If the home you\u2019re looking to buy is less \u2018live-in prospect\u2019 and more \u2018finance-generation strategy\u2019, you\u2019ll be better off with an\u2026<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Investment property loan <\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Real estate is the most popular roadmap to wealth accumulation and for good reason. Striking the most effective deal possible is doable if your knowledge of investment property loans works in your favour, while the rent collected from tenants should eventually pay off the loan. This loan type affords investors a range of options suitable for financing up to four units at a fixed rate over a period of 30 years. Once you\u2019ve found the perfect property, remember to read up on the additional costs for investors, including stamp duty, landlord insurance, land tax, and rates.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you\u2019re a student with a small nest egg of savings or a professional with a deposit ready to go, there are a&#8230;<\/p>\n","protected":false},"author":8,"featured_media":30752,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31802","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-miscellaneous"],"yoast_head":"<!-- This site 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