What’s good credit for home financing?

  • Percentage history: Their commission records has the most significant influence on their get, accounting getting 35% of the overall score. That makes sense, given that a lender will get think twice to let a person who daily misses payments otherwise will pay later borrow cash.
  • Matter you borrowed: Simply how much you borrowed from to your established loans likewise has a considerable impact on the get, bookkeeping to own 30% of full. A lender can be anxiety about lending currency to somebody who currently keeps a lot of loans.
  • Period of records: The newest offered your credit score, the better, while the length of your own record merely makes up about 15% of one’s total get. Whenever you are interested in bringing a mortgage one day, it can be smart to opened very first charge card otherwise rating a unique financing if you are apparently young. 繼續閱讀 What’s good credit for home financing?