{"id":9856,"date":"2022-07-30T01:00:13","date_gmt":"2022-07-30T01:00:13","guid":{"rendered":"https:\/\/www.flyhomes.com\/blog\/mandarin\/?p=9856"},"modified":"2023-12-01T22:20:40","modified_gmt":"2023-12-01T22:20:40","slug":"how-to-prepare-to-buy-a-house-in-6-steps","status":"publish","type":"post","link":"https:\/\/flyhomes.com\/blog\/mandarin\/how-to-prepare-to-buy-a-house-in-6-steps\/","title":{"rendered":"\u4e70\u623f\u524d\u9664\u4e86\u9996\u4ed8\u8fd8\u9700\u8981\u51c6\u5907\u4e9b\u5565\uff1f\u8fd9\u91cc\u6709\u4f60\u9700\u8981\u7684\u6240\u6709\u7b54\u6848"},"content":{"rendered":"\n<p>\u6700\u8fd1\uff0c\u6211\u4eec\u7684\u4e00\u4e2a\u5357\u52a0\u5929\u666e\u5e02\uff08Temple City\uff09\u5ba2\u6237\u76f8\u4e2d\u4e86\u4e00\u5957\u597d\u623f\uff0c\u6211\u4eec\u9a6c\u4e0a\u5c31\u8981\u4e3a\u4ed6\u4e0bOffer\u4e86\uff0c\u53ef\u53d1\u73b0\u4ed6\u81ea\u5df1\u627e\u7684\u8d37\u6b3e\u65b9\u8fdf\u8fdf\u672a\u80fd\u7ed9\u4ed6\u5f00\u51faPre-approval Letter\uff08\u9884\u6279\u4fe1\uff09\u3002<\/p>\n\n\n\n<p>\u6ca1\u6709\u9884\u6279\u4fe1\uff0c\u5c31\u610f\u5473\u7740<strong>\u4e70\u5bb6\u7684\u8d37\u6b3e\u8d44\u8d28\u548c\u91d1\u989d\u6ca1\u6709\u5f97\u5230\u8d37\u6b3e\u65b9\u7684\u521d\u6b65\u6279\u51c6<\/strong>\u3002\u800c\u4e14\u5927\u591a\u6570\u5356\u5bb6\u53ea\u63a5\u53d7\u6709\u9884\u6279\u4fe1\u4e70\u5bb6\u7684offer\uff0c\u6240\u4ee5\u90a3\u4f4d\u5ba2\u6237\u7684\u60c5\u51b5\u5c31\u5f88\u68d8\u624b\u4e86\u3002<\/p>\n\n\n\n<p>\u60c5\u6025\u4e4b\u4e0b\uff0cFlyhomes\u56e2\u961f\u8fc5\u901f\u5730\u4e3a\u5ba2\u6237\u6574\u7406\u597d\u6750\u6599\u5e76\u5f00\u51fa\u4e86\u6bd4\u9884\u6279\u4fe1\u4efd\u91cf\u66f4\u91cd\u7684<strong>Pre-underwriting Letter\uff08\u63d0\u524d\u6279\u51c6\u4fe1\uff09<\/strong>\uff0c\u8ba9\u5ba2\u6237\u53ef\u4ee5\u987a\u5229\u5730\u4e0bOffer\u3002\u4f5c\u4e3a\u5b89\u5fc3\u4e70\u623f\uff0c\u4f60\u95ee\u6211\u7b54\u7cfb\u5217\u6587\u7ae0\u7684\u7b2c\u4e8c\u7bc7\uff0c\u4eca\u5929\u6211\u4eec\u5c31\u6765\u804a\u804a\u6b63\u5f0f\u5f00\u59cb\u770b\u623f\u524d\uff0c\u505a\u597d\u8d22\u52a1\u51c6\u5907\u6709\u591a\u4e48\u91cd\u8981\uff0c\u4ee5\u53ca\u5177\u4f53\u9700\u8981\u51c6\u5907\u4e9b\u4ec0\u4e48\u3002<\/p>\n\n\n\n<p class=\"has-text-align-center\"><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u4e70\u623f\u524d\u8981\u505a\u597d\u54ea\u4e9b\u8d22\u52a1\u51c6\u5907\uff1f<\/strong><\/h2>\n\n\n\n<p><strong>1.\u63d0\u9ad8\u4e2a\u4eba\u4fe1\u7528\u5206\uff08Credit Score\uff09<\/strong><\/p>\n\n\n\n<p>\u4e2a\u4eba\u4fe1\u7528\u5206\u5206\u6570\u8d8a\u9ad8\uff0c\u53ef\u80fd\u62ff\u5230\u7684\u623f\u8d37\u5229\u7387\u53ef\u80fd\u8d8a\u4f18\u60e0\u3002<\/p>\n\n\n\n<p>\u4e70\u623f\u524d\uff0c\u5e94\u5c3d\u65e9\u5efa\u7acb\u4fe1\u7528\u5386\u53f2\uff0c\u6bcf\u6708\u8fd8\u4fe1\u7528\u5361\u7684<strong>\u6b20\u6b3e\u603b\u989d\uff08Full Balance\uff09<\/strong>\u800c\u4e0d\u662f\u6700\u4f4e\u8fd8\u6b3e\u989d\uff08Minimum Balance\uff09\u3002<\/p>\n\n\n\n<p>\u6309\u5b9e\u9645\u9700\u8981\u7533\u8bf7\u4fe1\u7528\u5361\uff0c\u907f\u514d\u8fc7\u591a\u5730\u88ab\u53d1\u5361\u65b9\u8c03\u53d6\u5e76\u67e5\u8be2\u4fe1\u7528\u8bb0\u5f55\uff0c\u56e0\u4e3a\u4efb\u4f55\u7684\u88ab\u8c03\u67e5\u90fd\u4f1a\u5728\u4e00\u6bb5\u65f6\u95f4\u5185\u5f71\u54cd\u4fe1\u7528\u5206\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>2.\u8ba1\u7b97\u623f\u8d37\u6708\u4f9b\uff08Mortgage Calculation\uff09<\/strong><\/p>\n\n\n\n<p>\u6bcf\u4e00\u4e2a\u4e70\u623f\u8005\u90fd\u5e94\u8be5\u63d0\u524d\u8ba1\u7b97\u6e05\u695a\u8fc7\u6237\u540e\u53ef\u80fd\u5f88\u591a\u5e74\u5185\u8981\u627f\u62c5\u7684\u6708\u4f9b\u3002<\/p>\n\n\n\n<p>\u6708\u4f9b\u7684\u8ba1\u7b97\u5176\u5b9e\u4e00\u70b9\u4e5f\u4e0d\u590d\u6742\uff0c\u4f60\u53ea\u9700\u8981\u660e\u786e\u4f60\u7684<strong>\u4fe1\u7528\u5206\u6570\uff0c<\/strong>\u60f3\u4e70\u623f\u5c4b\u7684<strong>zip code<\/strong>\uff0c\u4e70\u623f<strong>\u9884\u7b97\u8303\u56f4<\/strong>\uff0c\u53ef\u4ee5\u8d1f\u62c5\u7684<strong>\u9996\u4ed8\u91d1\u989d<\/strong>\u3002<\/p>\n\n\n\n<p>\u4e0d\u5c11\u623f\u4ea7\u4fe1\u606f\u5e73\u53f0\u6709Mortgage Calculator\uff08<strong>\u623f\u8d37\u8ba1\u7b97\u5668<\/strong>\uff09\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>3. \u5c3d\u65e9\u51c6\u5907\u9996\u4ed8\uff0c\u8fc7\u6237\u8d39\u7528\u548c\u50a8\u5907\u91d1<\/strong><\/p>\n\n\n\n<p>\u6839\u636e\u8d37\u6b3e\u65b9\u9884\u6279\u7684\u623f\u5c4b\u8d37\u6b3e\u603b\u989d\u5ea6\uff0c\u4f60\u9700\u8981\u63d0\u524d\u51c6\u5907\u597d\u9996\u4ed8\u3002\u9996\u4ed8\u53ef\u9ad8\u53ef\u4f4e\uff0c\u4e00\u4e9b\u8d37\u6b3e\u65b9\u4f1a\u786c\u6027\u8981\u6c42\u4e00\u4e2a<strong>\u6700\u4f4e\u989d\u5ea6\u7684\u9996\u4ed8<\/strong>\uff0c\u4f60\u53ef\u6839\u636e\u8d22\u52a1\u72b6\u51b5\u52a0\u9ad8\u989d\u5ea6\u4ee5\u4fbf\u83b7\u53d6\u66f4\u4f18\u60e0\u7684\u6708\u4f9b\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u5982\u679c\u4f60\u80fd\u8d1f\u62c5\u7684\u9996\u4ed8\u91d1\u989d\u4f4e\u4e8e20%\u7684\u6bd4\u4f8b\uff0c\u5927\u591a\u8d37\u6b3e\u673a\u6784\u53ef\u80fd\u8981\u6c42\u4f60\u8d2d\u4e70<strong>Private Mortgage Insurance\uff08PMI)\u3002<\/strong><\/p>\n\n\n\n<p>\u8fd9\u4efd\u4fdd\u9669\u4e3b\u8981\u662f\u4e3a\u4e86\u5728\u8d37\u6b3e\u4eba\u51fa\u73b0\u8fd8\u8d37\u8fdd\u7ea6\u65f6\uff0c\u4fdd\u62a4\u8d37\u6b3e\u673a\u6784\u7684\u5229\u76ca\uff0c\u4f46\u5bf9\u8d37\u6b3e\u4eba\u5c31\u4f1a\u5728\u6bcf\u6708\u7684\u6708\u4f9b\u91d1\u989d\u4e0a\u4ea7\u751f\u4e86\u989d\u5916\u5f00\u9500\u3002<\/p>\n\n\n\n<p><strong>\u8fc7\u6237\u8d39\u7528\u4e00\u822c\u76f8\u5f53\u4e8e\u603b\u623f\u4ef7\u76841%-2%\u3002<\/strong><\/p>\n\n\n\n<p>\u4e0d\u540c\u7684\u8d37\u6b3e\u65b9\u5bf9\u50a8\u5907\u91d1\u7684\u8981\u6c42\u4e0d\u4e00\u6837\uff0c\u4f46\u5927\u591a\u8fd8\u662f\u4f1a\u9700\u8981\u8d37\u6b3e\u8d26\u6237\u91cc\u50a8\u5b583-12\u4e2a\u6708\u7684\u7684PITIA\uff08\u623f\u8d37\u3001\u5730\u7a0e\u3001\u623f\u5c4b\u4fdd\u9669\u3001HOA\u7ba1\u7406\u8d39\uff09\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>4. \u62ff\u5230\u8d37\u6b3e\u9884\u6279\u4fe1<\/strong><\/p>\n\n\n\n<p>\u8d37\u6b3e\u9884\u6279\u4fe1 \uff08Pre-approval \u6216Pre-underwriting Letter\uff09\u662f\u7531\u8d37\u6b3e\u65b9\u51fa\u5177\u7684\u91cd\u8981\u8d37\u6b3e\u80fd\u529b\u8bc1\u660e\u3002<\/p>\n\n\n\n<p>\u524d\u9762\u63d0\u5230\uff0c\u6211\u4eec\u7684\u5ba2\u6237\u5c31\u662f\u56e0\u4e3a\u4f4e\u4f30\u4e86 Pre-approval\u9884\u6279\u4fe1\u7684\u91cd\u8981\u6027\uff0c\u5dee\u70b9\u803d\u8bef\u4e0bOffer\u3002\u6240\u4ee5\u62ff\u5230\u9884\u6279\u4fe1\u4e5f\u662f\u4e70\u623f\u8d22\u52a1\u51c6\u5907\u4e2d\u81f3\u5173\u91cd\u8981\u7684\u4e00\u6b65\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\">\u5728\u8d22\u52a1\u51c6\u5907\u8fc7\u7a0b\u4e2d\uff0c<\/h2>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>Pre-approval \u548c Pre-underwriting Letter<\/strong><\/h2>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u54ea\u4e2a\u66f4\u91cd\u8981\uff1f<\/strong><\/h2>\n\n\n\n<p>\u5bf9\u6bd4\u6765\u8bf4\uff0cPre-Approval Letter\u9700\u8981\u7684\u8d44\u6599\u76f8\u5bf9\u7b80\u5355\uff0c\u4e00\u822c1\uff5e3\u5929\u5de6\u53f3\u5373\u53ef\u5f00\u51fa\uff0c\u901f\u5ea6\u5feb\u3002<\/p>\n\n\n\n<p>Pre-underwriting\u5219\u662f\u8d37\u6b3e\u65b9\u5bf9\u4f60\u7684<strong>\u8d37\u6b3e\u8d44\u8d28\u548c\u8d37\u6b3e\u91d1\u989d<\/strong>\u8fdb\u884c\u6b63\u5f0f\u4e14\u4e25\u683c\u7684\u5ba1\u6838\u540e\u7ed9\u51fa\u7684\u8d37\u6b3e\u9884\u6279\u4fe1\u3002<\/p>\n\n\n\n<p>Pre-underwriting\u4fe1\u4e0a\u4f1a\u6709\u6839\u636e\u8d37\u6b3e\u4eba\u7533\u8bf7\u7684\u8d37\u6b3e\u9879\u76ee\uff0c\u88ab\u83b7\u6279\u7684<strong>\u6700\u9ad8\u623f\u8d37\u603b\u91d1\u989d\u3002<\/strong><\/p>\n\n\n\n<p>\u603b\u7ed3\u6765\u8bf4\uff0cPre-Approval\u548c Pre-underwriting\u90fd\u53ef\u4ee5\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\u53cd\u6620\u4e70\u5bb6\u7684\u8d22\u52a1\u72b6\u51b5\u548c\u652f\u4ed8\u80fd\u529b\uff0c\u4ee5\u53ca\u83b7\u6279\u7684\u623f\u8d37\u603b\u91d1\u989d\u3002<\/p>\n\n\n\n<p>\u4f46\u5728\u76ee\u524d\u7684\u5357\u52a0\u5e02\u573a\uff0c\u5982\u679c\u4f60\u80fd\u5728\u4e0bOffer\u65f6\u63d0\u4ea4\u4e00\u4efdPre-underwriting\uff0c\u90a3\u4e48offer\u5728\u5356\u5bb6\u770b\u6765\uff0c\u4f1a\u66f4\u7a33\u5b9a\u548c\u66f4\u6709\u7ade\u4e89\u529b\uff0c\u800c\u4e14\uff0c\u4e0d\u5728\u5c11\u6570\u7684\u5356\u5bb6\u4e0d\u63a5\u53d7\u6ca1\u6709\u9884\u6279\u4fe1\u7684offer\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5728\u505a\u597d\u5145\u5206\u7684\u8d22\u52a1\u51c6\u5907\u540e\uff0c\u6211\u4eec\u5c31\u53ef\u4ee5\u5f00\u59cb\u770b\u623f\u9009\u623f\u4e86\u3002<\/p>\n\n\n\n<p>\u8fd9\u4e2a\u73af\u8282\u91cc\uff0c\u53c8\u6709\u54ea\u4e9b\u503c\u5f97\u4f60\u7279\u522b\u6ce8\u610f\u7684\u5c0ftips\u5462\uff1f\u6b22\u8fce\u6301\u7eed\u5173\u6ce8\u6211\u4eec\u7684<a href=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/how-to-choose-the-right-real-estate-agent\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u5b89\u5fc3\u4e70\u623f\uff0c\u4f60\u95ee\u6211\u7b54\u7cfb\u5217<\/a>\uff5e<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Flyhomes\u7684Youtube \u9891\u9053\u5b9a\u65f6\u66f4\u65b0\uff01\u6b22\u8fce\u53bbYoutube\u5173\u6ce8\u6211\u4eec\uff0c\u6709\u66f4\u591a\u7684\u7cbe\u5f69\u7684\u7f8e\u56fd\u623f\u4ea7\u5185\u5bb9\u7b49\u7740\u5927\u5bb6\uff01<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Flyhomes\u7f8e\u56fd\u4e70\u623f\u6d41\u7a0b\u5927\u516c\u5f00 | \u7f8e\u56fd\u4e70\u623f\uff5c\u7f8e\u56fd\u5356\u623f\uff5c\u7f8e\u56fd\u623f\u5730\u4ea7\u5b89\u5fc3\u4e70\u623f\uff0c\u4f60\u95ee\u6211\u7b54\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/nxmObYVF4mw?start=112&#038;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><strong>NMLS #1733272 | CA DRE# 02012110 | \u00ae Flyhomes is a registered trademark of Flyhomes, Inc.<\/strong><\/p>\n<input type=\"hidden\" id=\"calendly_utm_post_id\" value=\"9856\" \/><input type=\"hidden\" id=\"calendly_utm_post_title\" value=\"\u4e70\u623f\u524d\u9664\u4e86\u9996\u4ed8\u8fd8\u9700\u8981\u51c6\u5907\u4e9b\u5565\uff1f\u8fd9\u91cc\u6709\u4f60\u9700\u8981\u7684\u6240\u6709\u7b54\u6848\" 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