如果你现在想买房子, you may be struggling to find one that fits all your needs. You may be thinking about moving some of your must-haves into a nice-to-have category, but what if there was a way to get your dream home with less compromise? 一种方法是获得建设贷款. A construction loan may be a great option for you if you’re looking to move into your perfect dream home, 不要介意等待它被建成.

什么是建设贷款?

A construction loan is a loan that helps cover the cost of a brand-new home. 通常, 房子建好后，你需要申请抵押贷款, however, 这里是阿伯金融信用合作社, 我们的建设贷款还包括抵押贷款阶段. Having both the construction and mortgage phases included in your loan means one closing process. Only having one closing means lower fees, less red tape, and a quicker completion of the project.

建设贷款流程是怎样的?

一旦批准贷款, you will need to provide the lender with a construction timeline, 详细计划, 还有切合实际的预算. 当你的时间表和其他材料被授权时, the lender will pay out the loan to the contractor in stages that follow the schedule of the build.

For example, a payment (draw) may happen when the framing of the house begins, or the roof is put on. During the construction phase, you will only have to pay interest on your loan. While the home is being built the lender can have an appraiser come in to check the house and make sure the work being completed is up to code. 如果您正在使用Arbor, 一旦你的家建好了, your loan will automatically convert to a mortgage and full payments will begin.

建设贷款包括什么?

A construction loan can be used to cover most of the building costs. This could include: the cost of land, contractor labor, building materials, and permits. In some cases, permanent fixtures, like appliances and landscaping, can also be included.

要知道的重要事情:

通常, rates change throughout the life of your construction loan, 而是阿伯金融的建筑贷款, you will have one fixed rate throughout the life of your loan. Your rate may be slightly higher than a traditional mortgage due to not having a completed home as collateral. Since your lender pays the contractor directly for the work they do during the construction phase, you will not get any extra money at the end of the building phase. Fortunately, you only pay for the money the lender paid the contractor. So, you won’t need to pay the original loan amount if you are under budget- just what the contractor was given. 

Building your own home is a great way to get everything you want in your home without compromise, and at Arbor Financial the process is made to be easier for you. 今天和我们的一个贷款人谈谈 为你找到合适的选择!