hat
Sepandan, si metòd la nan peye lajan kach pa travay deyò pou yo, achte kay gen rankontre ak difikilte pou an nan ap resevwa yon prè ipotèk paske yo pa janm te gen kredi nan tout. Yo pa gen move kredi men yo pa gen okenn kredi, Neill di. “Yo te pran yon kou Dave Ramsey oswa fè kèk lòt kalite planifikasyon finansye ak konsèy la se, 'Pa peye kat kredi, peye lajan kach.’ Sa a kokenn konsèy jouk li lè ke ou gen yo pale ak kreditè a ipotèk yo ka resevwa prekalifye yo di, 'Li pa yon pwoblèm nan nou gen yon 500 Evalyasyon kredi. Se yon pwoblèm nan nou pa gen okenn kredi nan tout.
eng
However, if the method of paying cash don’t work out for them, homebuyers have to encounter with the difficulty of getting a mortgage loan because they have never had credit at all. They don’t have bad credit but they have no credit, Neill said. “They’ve taken a Dave Ramsey course or done some other type of financial planning and the advice is, ‘Don’t pay credit cards, pay cash.’ That’s fantastic guidance until it’s time that you have to talk with the mortgage lender to get prequalified and they say, ‘It’s not an issue of you having a 500 credit rating. It’s an issue of you not having any credit at all.