From 819accc0b7c57de18e1cdc8a23c2c42aef00bccc Mon Sep 17 00:00:00 2001 From: Automated Date: Wed, 8 Nov 2023 06:03:10 +0000 Subject: [PATCH] 321 new, 4 changed, 0 removed 321 new added |deleted|filename -------|-------|-------- 1609 0 www.consumerfinance.gov/about-us/blog/as-payments-on-federal-student-loans-resume-federal-student-loan-borrowers-may-be-eligible-for-cancellation-or-lower-payments/index.html 1671 0 www.consumerfinance.gov/about-us/blog/dont-let-malicious-mail-make-your-money/index.html 1714 0 www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html 829 0 www.consumerfinance.gov/about-us/blog/estamos-buscando-mas-informacion-del-publico-sobre-las-plataformas-de-pago-de-las-companias-big-tech/index.html 1670 0 www.consumerfinance.gov/about-us/blog/financial-toolkit-for-victims-of-hurricanes-2017/index.html 1671 0 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z+BOqZZ-**!zvk-rMeNjE9lPi~nyVxDM{;L=8!#jFWzLOXLp}_Xq4;rT>`r0VCdvfN zm4t0dcaq>b60YQ`{5pooWOmO4XfnO;t5GJXj!0T1u-@ttC!~(iVhOE-Y0tlQ z0&|mkv%?${b}TjBLUVg#Zm_LpKF~hdAsQyG@pqGb_yxR&htYjtyQa-I^kb7ZBBO8) zl#3GdQz`HKYcRKp$pL08DqEK(eBU&PICzHBLpJ0m61nHX~T}p6^G^xb!Wsc;FU-NqmC-#R3mU%u00{r@fB%2~{-6K% z-~RQ(0jU4(zf3Fihi9Snhg_Td=>us*`OhCdeRqHNujaYdK&SZU4`1#-a3bO#KYahE oFaPmD)gSKv>8tzj_n-gi^QRC0@xMO0fB3uq205eI4cPMp02B2cYybcN diff --git a/www.consumerfinance.gov/about-us/blog/as-payments-on-federal-student-loans-resume-federal-student-loan-borrowers-may-be-eligible-for-cancellation-or-lower-payments/index.html b/www.consumerfinance.gov/about-us/blog/as-payments-on-federal-student-loans-resume-federal-student-loan-borrowers-may-be-eligible-for-cancellation-or-lower-payments/index.html new file mode 100644 index 000000000000..f77283241e4b --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/as-payments-on-federal-student-loans-resume-federal-student-loan-borrowers-may-be-eligible-for-cancellation-or-lower-payments/index.html @@ -0,0 +1,1609 @@ + + + + + + + As payments on federal student loans resume, federal student loan borrowers may be eligible for cancellation or lower payments | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +

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    As payments on federal student loans resume, federal student loan borrowers may be eligible for cancellation or lower payments

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    In October, millions of federal student loan borrowers will have a payment due on their loans for the first time since March 2020. Many borrowers may be able to reduce their payments or even get their loans cancelled, and they should explore their options before making payments. Borrowers who encounter issues with their student loans should submit a complaint with the CFPB.

    For millions of borrowers, restarting student loan payments is a serious shift in their financial circumstances, especially as many of those borrowers will be making payments for the first time since graduating. CFPB research has found that many student loan borrowers are already behind on their payments on other types of debt and at risk of delinquency on their student loans, and this may only worsen as student loan payments resume. Borrowers may be entitled to reduce their loan payments or even to cancel their loans through income-based repayment programs and other loan cancellation options. Before making payments, borrowers should explore the potential to reduce or eliminate their student debt burden.

    Unfortunately, the CFPB has found in the past that some student loan servicers have made it harder for borrowers to access lower payments and loan cancellation programs. Our complaint monitoring, enforcement and supervision efforts have uncovered red tape, errors, delays, and even illegal practices that left borrowers paying more than they should.

    As borrowers prepare for student loan payments to resume, CFPB is working to ensure that servicers follow the law and that consumers are protected. We will be looking closely at loan servicers’ practices, borrower outcomes, information from fellow regulators, and issues raised through consumer complaints.

    If you’re starting your student loan repayment in October, here’s what you need to know and what to do if you run into issues with your student loan servicers.

    What you need to know

    • Cancellation options are available. The Department of Education recently discharged, or cancelled, more than $116.6 billion in loans under a variety of programs to help borrowers, but many more borrowers are likely eligible. In particular, borrowers who have been in repayment for more than 20 years or borrowers who took out less than $12,000 in loans and have been in repayment more than 10 years may qualify for cancellation under the Department of Education’s new Saving on a Valuable Education or "SAVE" plan . Borrowers who work at qualifying employers such as non-profits or government agencies may be eligible for Public Service Loan Forgiveness. Cancellation is also available for borrowers with total and permanent disabilities. And borrowers who were deceived by their schools or who had their education disrupted by a closure may be eligible for “borrower defense” and closed school discharges. If you think you may be eligible, you can apply for these programs online or call your servicer.
    • You may be able to reduce your monthly payments through income-driven repayment options. Under income-driven repayment plans, borrowers may reduce their monthly payments to as low as $0. Under its newest income-driven plan, the Department of Education estimates that more than 1 million additional borrowers will qualify for a $0 payment. Borrowers can enroll in income-driven repayment online or by contacting their loan servicer.
    • All borrowers should be automatically protected from certain consequences if they miss payments . The Department of Education has created a temporary "on-ramp" to protect struggling borrowers. If you miss payments, interest will begin to accrue on your loan but should not capitalize, and you should be protected from negative credit reporting, being placed in default, and being referred to collection agencies for late, missed, or partial payments for up to 12 months. However, this safety valve measure should not be used by servicers to delay assisting borrowers with their loans, and consumers should contact CFPB if they have concerns.

    If you have questions about the details of any of these programs, visit StudentAid.gov or contact your loan servicer.

    Complaints help the CFPB respond to emerging issues

    CFPB has a number of tools for holding student loan servicers accountable, but consumer complaints are particularly powerful because they allow us to help consumers, identify and address emerging issues, and hold companies accountable for following the law. If you have a problem with your student loan, you can submit a complaint to the CFPB. We will work to get you a response from the company. Your complaint also helps the CFPB’s work to ensure that the companies responsible for getting student loan payments right are following the law.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/dont-let-malicious-mail-make-your-money/index.html b/www.consumerfinance.gov/about-us/blog/dont-let-malicious-mail-make-your-money/index.html new file mode 100644 index 000000000000..c4f2a20e96cd --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/dont-let-malicious-mail-make-your-money/index.html @@ -0,0 +1,1671 @@ + + + + + + + Don’t let malicious mail make off with your money | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Don’t let malicious mail make off with your money

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    + By + Naomi Karp + and + James Miner + – + + + + + +
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    According to the Department of Justice, older people are losing millions of dollars to mass mailing fraud schemes, often by sending $20 or $30 at a time. These mail scammers use any means they can to convince victims to send them money, credit card details, and personal information like Social Security numbers. These offers often promise lottery winnings, gifts, good fortune, and other items for a fee, but never deliver anything of value.

    To help warn older consumers, we’re working with Meals on Wheels America and other meal service providers to deliver new mail fraud alert placemats to seniors receiving meals nationwide. The placement gives consumers tips on how to spot suspicious mail and what to do to protect themselves.

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    Order our free mail fraud placemat in bulk

    In addition, this week we are partnering with several other federal agencies in a coordinated public education campaign  to heighten awareness and educate potential victims and their families about mass mailing fraud schemes. It is our hope that this coordinated approach will create a lasting impact in the fight against financial exploitation.

    To report suspicious mail, you can file a complaint online  with the Federal Trade Commission (FTC). You can also call 1-877-FTC-HELP (1-877-382-4357) or 1-866-653-4261 (TTY). The FTC cannot resolve individual complaints, but your complaint could help law enforcement detect patterns of fraud and abuse. That may lead to investigations and eliminate unfair business practices.

    For more information on identifying and preventing financial exploitation, you can download our Money Smart for Older Adults  guide. To help financial caregivers protect family members and friends, we also offer easy-to-understand Managing Someone Else’s Money guides. For a variety of other useful financial information, visit our older Americans page.

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    + Join the conversation. Follow CFPB on Twitter and Facebook . +

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html b/www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html new file mode 100644 index 000000000000..00d1d072f939 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/easy-remember-guidelines-help-people-reduce-credit-card-debt/index.html @@ -0,0 +1,1714 @@ + + + + + + + Easy-to-remember guidelines help people reduce credit card debt | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Easy-to-remember guidelines help people reduce credit card debt

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    Take a short +guideline like “don’t swipe the small stuff” and make it your own. You might +just find that you’re better able to control your own credit card debt.

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    + By + Susan Kerbel + – + + + + + +
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    + Rules to live by illustration +
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    Have you ever looked at your credit card bill and +wondered where all those charges came from? Or found yourself swiping your +credit card for a purchase before you’ve had a chance to think about whether +you really wanted to borrow money to pay for it?

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    Don’t feel discouraged – there are ways to get a +better hold on your credit card use.

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    A recent study we commissioned found that following +simple guidelines, or rules to live by, can help you lower your credit card +debt, if you are a consumer carrying a month-to-month balance. The rules are +designed to help you improve the choices you make with your credit cards – +especially when you adjust the rule to live by to fit your personal financial +situation.

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    We’ve created a worksheet  to help you create and follow your own money rules +to live by. Use the worksheet to:

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    • Find areas where you + might use your credit card less often
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    • Decide on a goal for + managing your credit card use
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    • Create a rule to live by + for how you want to use your credit cards
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    • Make a commitment to + yourself to act on your goal              
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    Taking a close look at your small credit card +purchases is one place to start to help gain control over your credit card +spending. Then, you can create your own money rule to live by, such as using cash +for similar small purchases in the future, to help make credit choices that +work for you.

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    Using the worksheet to write down your goal will also +help you stick to it.

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    Just like lane markers on a highway, your money +rules to live by are guidelines that keep you moving in the right direction. +You might have to speed some things up, slow down others, or change lanes from +time to time, but your rules to live by can help you reach your financial +destination.

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    To read the research that helped inform these +worksheets, take a look at our report on "The Power of Light-Touch Financial Education: A Demonstration with Credit +Card Revolvers.”

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    If you are a financial educator or work with +consumers around money issues, check out our “Helpful shortcuts for credit card use: Ideas for +financial educators.”

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    + Join the conversation. Follow CFPB on Twitter and Facebook . +

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/estamos-buscando-mas-informacion-del-publico-sobre-las-plataformas-de-pago-de-las-companias-big-tech/index.html b/www.consumerfinance.gov/about-us/blog/estamos-buscando-mas-informacion-del-publico-sobre-las-plataformas-de-pago-de-las-companias-big-tech/index.html new file mode 100644 index 000000000000..3a28d9e37add --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/estamos-buscando-mas-informacion-del-publico-sobre-las-plataformas-de-pago-de-las-companias-big-tech/index.html @@ -0,0 +1,829 @@ + + + + + + + Estamos buscando más información del público sobre las plataformas de pago de las compañías “big tech” | Oficina para la Protección Financiera del Consumidor + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Estamos buscando más información del público sobre las plataformas de pago de las compañías “big tech”

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    En octubre del 2021, le ordenamos (en inglés) a seis grandes compañías tecnológicas o “big tech”, y plataformas “peer-to-peer” o de transacciones individuo a individuo, que operan servicios de pago (Amazon, Apple, Facebook, Google, PayPal y Square), que nos entregaran información acerca de sus prácticas de negocios, incluyendo su recolección y uso de datos, políticas para remover individuos o comercios de sus plataformas, así como políticas y prácticas para cumplir claves protecciones al consumidor como el manejo de disputas y errores. Hoy, hemos anunciado que reabriremos por 30 días el plazo para recibir comentarios del público y agregaremos nuevas preguntas.

    Los sistemas rápidos de pago se han vuelto cada vez más populares y ofrecen muchos beneficios a los consumidores, como la posibilidad de enviarle dinero directamente a otros, o hacer transacciones rápidas. Pero la escala que han alcanzado, y el poder de mercado de las grandes compañías tecnológicas han creado preocupaciones acerca de la existencia de nuevos potenciales riesgos tanto para los consumidores, como para la libre competencia en el mercado. En la CFPB seguimos analizando las respuestas a las órdenes del 2021 y los comentarios del público que recibimos, y hemos compartido los resultados con el público. Por ejemplo, en agosto publicamos un reporte (en inglés), “The Convergence of Payments and Commerce” o La Convergencia del Pago y el Comercio, que delinea los riesgos al consumidor que provienen de la habilidad que tienen las compañías de servicios financieros para acumular y monetizar los datos financieros del consumidor.

    Mientras continuamos evaluando el mercado de pagos, estamos invitando al público a dejarnos comentarios adicionales los cuales ampliarán nuestro entendimiento de los riesgos que enfrentan los consumidores y posibles soluciones normativas. En particular, estamos buscando información adicional del público acerca de las políticas de uso aceptable, y cómo utilizan multas, provisiones para el manejo de daños por incumplimiento, y otras penalidades. En la CFPB, publicaremos en los próximos días, una nota al Registrador Público Federal que incluye detalles adicionales acerca de los comentarios del público.

    Lea la nota de noviembre del 2021 al Registrador Nacional Federal (en inglés)

    Lea la nota al Registrador Nacional Federal (en inglés)

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    + Únase a la conversación. Síganos en Twitter y en Facebook . +

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/financial-toolkit-for-victims-of-hurricanes-2017/index.html b/www.consumerfinance.gov/about-us/blog/financial-toolkit-for-victims-of-hurricanes-2017/index.html new file mode 100644 index 000000000000..ba092db5ec52 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/financial-toolkit-for-victims-of-hurricanes-2017/index.html @@ -0,0 +1,1670 @@ + + + + + + + A financial toolkit for victims of hurricanes Maria, Irma, and Harvey | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    A financial toolkit for victims of hurricanes Maria, Irma, and Harvey

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    Once you have addressed your most urgent needs, there are steps to secure your financial obligations after a natural disaster.

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    + By + Kristin Dohn + – + + + + + +
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    + Clipboard with checklist +
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    When a catastrophe like Hurricane Maria, Hurricane Irma, or Hurricane Harvey happens, your world can be turned upside down. During these tough times, it may be difficult to know who to trust and where to look for guidance and assistance, as well as what financial steps to take as you begin recovering. These are a few organizations that can help immediately after a natural disaster:

    Once your most urgent needs are addressed

    Start thinking about your financial obligations once you have addressed your most urgent needs, especially if you have experienced damage to your home or property. We have five steps you can take to help you secure your home and finances:

    1. Contact your insurance company. If the storm damaged your home, car, or property and you have insurance, you can start the claims process by calling your insurance company. If you plan to claim damages related to flooding or storm damage, you should verify that you have the right kind of coverage. If you don’t have a copy of your insurance policy, you can ask for one. Ask for an electronic copy of your policy—receiving physical mail may be difficult following the flood. That will help you verify your coverage. If possible, take photos and videos of your damaged property. Documenting damage will help you with your insurance claim.
    2. Register for assistance. Registering online at www.DisasterAssistance.gov , is the quickest way to register for FEMA assistance. If you are unable to access the internet, you can also call at 1-800-621-3362.
    3. Contact your mortgage servicer. Talk to your mortgage lender right away and tell them about your situation. Damage to your home does not eliminate your responsibility to pay your mortgage, however your lender may be willing to work with you given the circumstances. If you don’t have your lender’s contact information, your monthly mortgage statement, or coupon book with you, you can search the Mortgage Electronic Registration Systems (MERS) or call toll-free at (888) 679-6377 to find the company that services your mortgage.
    4. Contact your credit card companies and other lenders. If your income is interrupted or your expenses go up, and you don’t think you will be able to pay your credit cards or other loans, be sure to contact your lenders as soon as possible. Ask your creditor to work with you. Explain your situation and when you think you might be able to resume normal payments. It is important to make those calls before your next payments are due. 
    5. Contact your utility companies. If your home is damaged to the point you can’t live in it, ask the utility companies to suspend your service. This could help free up money in your budget for other expenses.

    After contacting the companies related to your most urgent financial needs, take a look at your bills and set priorities—including your mortgage, rent, and insurance payments. Given the countless people experiencing distress from the flooding, contacting your creditors may be difficult. Be persistent and make every effort to reach them.

    Additional resources

    • Forbearance. Depending upon the type of loan you have, your lender may be willing to temporarily reduce or suspend your payments; this is referred to as forbearance. To learn more, visit the U.S. Department of Housing and Urban Development (HUD) . If you have student loans, ask your servicer if you qualify for a temporary forbearance. Federal student loan borrowers may be eligible for up to three months of forbearance .
    • Insurance settlement. Typically, your mortgage servicer will release a portion of the settlement money before work begins so you can hire a contractor. When the work is halfway finished, the servicer will typically release more money. The rest will be released once the job is finished and the home passes inspection.
    • How to choose a contractor. Read our tips to consider when evaluating contractors to help fix or rebuild your home after a disaster.

    Warning: Be aware of scams

    While many people pull together during times of crisis, there is also an increased risk for scams and fraud. To avoid scams, you need to ask questions—lots of them. Questions will help you determine if something is too good to be true. If the person trying to sell you a product or service can’t or won’t answer your questions, this is a red flag that you might want to look for someone else to do business with.

    Watch out for:

    • People who want you to pay up-front fees to help you claim services, benefits, or get loans.
    • Contractors selling repairs door-to-door, especially when they ask to receive payment up front or offer deep discounts.
    • Con artists posing as government employees, insurance adjusters, law enforcement officials, or bank employees. It is easy to fake credibility and uniforms, so do not give out personal information to people you don’t know. Government employees never charge to help you get a benefit or service and will never ask for payment or financial information.
    • Fake charities. Normally, legitimate organizations do not have similar names to government agencies or other charities; so if they do, it may be a scam. Never give out donations over the phone.
    • Limited time offers. Anyone who offers you something and tells you that it is for a very limited time may be trying to pressure you into something that you could later regret. You should never be pressured to make a decision on the spot or to sign anything without having enough time to review it. Take your time, read and understand anything presented to you, and ask a trusted friend, relative, or attorney before acting.

    Starting over requires a lot of hard choices. If you have been affected by disaster and want to make sure your financial records are secure, here is a checklist to help you consolidate all the information you need—including account numbers, personal records and financial records. Being prepared and knowing how to protect yourself can help you avoid scams and get back on your feet faster.

    Find more information on how the Bureau encourages financial institutions to assist consumers after an emergency or natural disaster.

    If you're having trouble with a financial product, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). 

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    Helpful tips for using mobile payment services and avoiding risky mistakes

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    + By + Gary Stein + – + + + + + +
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    Person-to-person payment services and mobile payment apps have become part of everyday life for millions of people. Payment services and apps let you send money to people without having to write a check, swipe a card, or hand them cash. These services are becoming increasingly popular for things like paying a friend back for lunch, splitting the cost of rent with a roommate, or collecting money for a youth sports coach’s thank you gift. 

    Mobile payment services advertise to consumers that they provide increased security, ease of use, and speed over more traditional payment methods. However, many different forms and brands of these services exist—your friend may have told you about one mobile app, you may have used another to receive money from your brother, and your bank might have emailed you about their own app. You might have also heard about a different kind of service called a "mobile" wallet that lets you pay merchants. While payment apps all may appear to do the same thing, each of these services operates somewhat differently, and your experience with them may vary. 

    With the development of new payment methods come new risks. Mobile payment apps should have strong built-in protections to detect and limit errors, unauthorized transactions, and fraud. The federal Electronic Fund Transfer Act (EFTA) applies to a bank, credit union, or other provider’s mobile payment services, just like it does to an electronic bill pay service. Among other protections, this federal law requires these institutions to investigate errors reported by consumers. Other federal and state protections may also apply. Whatever service you end up using, keep the tips below in mind to make sure your money goes where you want it to and you receive money you’re owed.

    Use caution when sending money to or receiving money from someone you don’t know

    Scammers use mobile payment services to trick people into sending money or merchandise without holding up their end of the deal. For example, a scammer may sell you concert or sports tickets but then never actually give them to you. Or a scammer might purchase an item from you, appear to send a payment, and then cancel it before it reaches your bank account. Using mobile payment services with family, friends, and others you know and trust is the safest way to protect your money. The Bureau has more tips on how to avoid scams, as does the Federal Trade Commission (“FTC”) . 

    Consider having your friend send you a request for payment first

    If you’re sending money to someone for the first time, ask that they send a "request" from their app if that service is available. This helps ensure that you’re sending funds to the right person for the right amount. If the payment app does not have a request for payment function, consider sending a small, test payment to the recipient to confirm it is the right person before sending larger amounts.

    Double check before you press send

    A simple mistype can send money to the wrong person or in the wrong amount. Always double check the amount you entered and the person you selected to pay. Most payment apps use a username, phone number, or email address to identify payment recipients. Ask your recipient to be sure he or she has registered in the app with the information you intend to use to send them money.

    Know how quickly you will receive your money—and how quickly money comes out of your account when you pay someone

    Depending upon which mobile app you use and who sends you money, you may or may not be able to use money you receive immediately. In some instances, you may have to wait a few days to spend money you receive, even if the money shows up instantly in your app balance and you intend to spend the money within the same app. Many services let you transfer money to your bank account, and some will charge you a fee for the money to become available faster. For each app you use, find out how soon transferred money becomes available and then decide if that timing works for you. 

    Regardless of how quickly you can spend money you receive, when you send money via mobile apps, most payments you make get deducted from your balance immediately. You can sometimes put a "stop payment" on a check you’ve written, dispute a credit card charge, or cancel a bill payment. But new mobile payment services generally don’t have a recall or retrieval feature. For these reasons, again, it’s important to be certain you want to make a payment, for how much, and to whom before pressing send.

    Set up your app to require a passcode, PIN, or fingerprint before making a payment

    Most mobile payment apps allow you to set up a passcode, PIN, or fingerprint that you can use to authenticate yourself before making a payment. Setting up this feature helps to prevent anyone else that gets access to your mobile phone from making mobile payments from your account. In the event that your mobile phone is actually lost or stolen, be sure to notify your bank or payment provider. 

    Contact your bank or payment provider if you suspect an error

    Under the federal law called the EFTA, banks, credit unions, and other financial institutions must investigate errors. In addition, a new Bureau rule explicitly applies the EFTA to prepaid accounts (including some payment apps) beginning in April 2019. If an erroneous transaction appears on your statement, you should notify your financial institution right away.

    Many existing forms of payment offer protections in addition to those required by the EFTA. New mobile apps and forms of payment may not provide these same protections. That means it might not always be easy to get your money back if something goes wrong. Make sure you understand the protections and assurances your payment services provider offers with their service. 

    Similarly, as with any mobile app and before using the app, review the app’s privacy policy to understand what information about you is collected as you use the app and with whom this information may be shared. 

    Contact us if you encounter an issue with a bank or payment provider

    The Bureau enforces the EFTA, which requires banks, credit unions, and other financial institutions to investigate errors. Congress also gave the Bureau the authority to hold companies that provide consumer financial products or services accountable for committing unfair, deceptive, or abusive acts or practices.

    If you're having trouble with a payment service, you can submit a complaint online or call us toll-free at (855) 411-2372. If you have a question, and not a complaint, about payment services or other financial services, you can get answers to common questions through our Ask web tool.

    The Bureau’s commitment to promoting safe and innovative payments

    While the Bureau offers the tips listed above to help ensure your safety in the financial marketplace, people should be able to use new payment services with peace of mind and without fear of getting scammed or making honest mistakes. In concert with other regulators and industry stakeholders, the Bureau promotes the development of innovative payment services that offer people improved quality of life and that earn people’s trust and confidence. 

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    + Next public hearing on appraisal bias: November 1 +

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    + On November 1, the Appraisal Subcommittee – which has a seven-member federal agency board including the CFPB – will hold its next public hearing to discuss the challenges and solutions to preventing bias in the home appraisal process. Members of the public are encouraged to attend. +
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    + Four million complaints: More than just a milestone +

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    + Looking at credit scores only tells part of the story – cashflow data may tell another part +

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    La CFPB ha entrado al chat

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    + By + Eric Halperin + and + Lorelei Salas + – + + + + + +
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    Responder a las preguntas de sus clientes y ayudarles a resolver sus problemas, son la base de una relación bancaria. Muchas instituciones financieras están automatizando estas interacciones a través de chatbots.

    El papel que juegan los chatbots de atención al cliente ha crecido, en momentos en que las instituciones financieras se están moviendo del uso de chatbots simples, basados en reglas, hacia tecnologías más sofisticadas, incluyendo chatbots programados con grandes modelos lingüísticos y aquellos mercadeados como “inteligencia artificial”.

    Los sistemas automatizados pueden fallar al asistir a los clientes

    A través de las quejas enviadas por los consumidores, hemos escuchado que los sistemas automatizados pueden fallar en cumplir con las expectativas. También hemos conocido que, al ser los chatbots pobremente operados, los consumidores reciben respuestas rudimentarias y repetitivas, que les llevan hacia la sección de preguntas comunes (FAQ’s, por sus siglas en inglés), o que sus preguntas reciben respuestas con información inexacta y poco confiable. Cuando observamos que las instituciones financieras fallan en proveerles a sus clientes información vital y exacta, le ponemos atención al asunto.

    Las compañías de servicios financieros tienen la obligación de atender al cliente

    Las instituciones que ofrezcan o provean productos y servicios financieros al consumidor, deben cumplir obligaciones legales, incluyendo responder a disputas o preguntas que hagan los clientes. Para cumplirlas, las instituciones financieras necesitan ser capaces de interactuar competentemente con sus clientes, acerca de los productos y servicios que ofrezcan. Las instituciones financieras podrían no cumplir con estas obligaciones si, por ejemplo, fallan al:

    • Entregarles a sus clientes información exacta. Hemos encontrado en repetidas oportunidades (en inglés), el uso de actos y prácticas injustas, engañosas o abusivas (UDAAP, por sus siglas en inglés), lo que constituye una violación a la Ley de Protección Financiera del Consumidor, la cual establece que se debe proveer a los clientes con información exacta, incluyendo cuando representantes de atención al cliente les entreguen a éstos información inexacta, como respuestas a sus preguntas.
    • Garantizar que sus clientes puedan acceder a su dinero y hacer pagos. Hemos también encontrado violaciones a la ley en casos en que las instituciones fallaron en resolver los problemas reclamados por sus clientes sobre el acceso a su dinero (en inglés), o la posibilidad de hacer pagos (en inglés).
    • Proteger los datos de sus clientes. Hemos también notado que, además de otras leyes federales que regulan la seguridad de datos para las instituciones financieras, entre ellas las Normas de Seguridad establecidas por la Ley Gramm-Leach-Bliley, las entidades pueden violar nuestra prohibición del uso de actos y prácticas injustas, engañosas o abusivas, cuando no cuenten con la suficiente protección de datos o seguridad de la información (en inglés).

    En la CFPB, hemos recibido quejas de los consumidores sobre los chatbots, que generan preocupaciones acerca de si su uso disminuye la habilidad que tiene las instituciones de cumplir con las obligaciones legales que apliquen. Estamos monitoreando activamente el uso de chatbots para asegurarnos de que su uso por las instituciones financieras cumpla con las leyes existentes en materia financiera, y con la intención de usar todas las herramientas que tengamos a disposición, para prevenir daños a los consumidores.

    La gente espera recibir una buena atención al cliente

    Las personas tienen derecho a recibir respuestas exactas, especialmente en momentos en que estén pasando por una situación financiera estresante y compleja. Un error puede tener graves consecuencias. Los consumidores merecen contar con relaciones y canales de comunicación con sus instituciones financieras que respeten su tiempo, resuelvan prontamente sus problemas, y les entreguen información de alguna manera que la haga accesible y útil.

    Para saber más, lea nuestro reporte destacado sobre el uso de chatbots en las finanzas del consumidor.

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    Next public hearing on appraisal bias: November 1

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    On Wednesday, November 1, 2023, the Federal Financial Institutions Examination Council’s Appraisal Subcommittee (ASC) will hold its third public hearing on appraisal bias to discuss how a residential appraisal is developed and reviewed, the process for reconsiderations of value for residential real estate valuations, and the development of rural appraisals.

    The following witnesses will share testimony during the hearing:

    • Robbie Wilson, Chief Appraiser, RSDS LLC, and President, National Society of Real Estate Appraisers
    • Dean Kelker, Board of Directors, Real Estate Valuation Advocacy Association
    • Danny Wiley, Senior Director of Single-Family Valuation, Freddie Mac
    • Lyle E. Radke, Senior Director, Single-Family Collateral Risk, Fannie Mae
    • Sharon Whitaker, Vice President, CRE & Mortgage Finance, American Bankers Association

    We invite and encourage members of the public to attend this hearing, which will be held in person at the U.S. Department of Housing and Urban Development headquarters, located at 451 7th St. SW, Washington, DC, 20410. Members of the public can also submit written comments on the topics of the hearing to ASCHearing@asc.gov until November 15.

    A livestream will also be available to registered attendees. Register now to attend .

    Public hearings to address home appraisal bias

    To help prevent discrimination in the home appraisal process, the CFPB has joined other federal agency regulators as members of the Appraisal Subcommittee, which oversees the real estate appraisal regulatory framework for federally related transactions, including monitoring and reviewing of The Appraisal Foundation. Throughout 2023, the Appraisal Subcommittee has conducted a series of public hearings to better understand the challenges and potential solutions related to appraisal bias.

    The first-ever public hearing of Appraisal Subcommittee, which took place in January, focused on understanding the home appraisal system and the root causes of appraisal bias. The session was led by CFPB Deputy Director Zixta Martinez and featured CFPB Director Rohit Chopra, as well as U.S. Department of Housing and Urban Development (HUD) Secretary Marcia L. Fudge and Federal Housing Finance Agency (FHFA) Director Sandra Thompson. Witness testimony included homeowners with first-hand experience in receiving an undervaluation of their home, as well as academic research on the causes of appraisal bias. The purpose of the hearing was to keep the spotlight on the issue of appraisal bias, provide information on the role of the Appraisal Subcommittee in the appraisal regulatory system, and receive feedback from key stakeholders and the public.

    The second hearing, held in May, focused on appraisal standards, appraiser qualification criteria, barriers to entry into the profession, and appraisal practices. Witnesses included the chairs of The Appraisal Foundation’s Appraiser Qualifications Board and Appraisal Standards Board, as well as representatives from the California Bureau of Real Estate Appraisers and the National Fair Housing Alliance, and an appraiser. Among the topics discussed, witnesses addressed fees associated with obtaining and maintaining appraiser credentials, and The Appraisal Foundation’s overall lack of transparency and regulatory guardrails.

    Learn more about the Appraisal Subcommittee public hearing series on appraisal bias.

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    Overcharging for add-on products on auto loans

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    + By + Allison Brown + – + + + + + +
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    The Consumer Financial Protection Bureau is committed to ensuring a fair, transparent, and competitive auto lending market, and we are taking action against sloppy servicing practices that cause harm. Some of these practices involve optional, add-on products that consumers can purchase when they purchase a car. For example, guaranteed asset protection (GAP) products offer to help pay off an auto loan if the car is totaled or stolen and the consumer owes more than the car's depreciated value.

    The add-on product’s potential benefits apply only for specific time periods, such as four years after purchase, and only under certain circumstances. Auto dealers and finance companies often charge consumers all payments for any add-on products as a lump sum at origination of the auto loan, and they generally include the lump sum cost as part of the total vehicle financing agreement. Consumers typically make payments on these add-on products throughout the loan term, even if the product expires years earlier.

    Our examiners have focused on the way servicers handle these add-on product charges when the loan ends before the add-on product’s potential benefits end. Such early termination may happen because the consumer pays the loan off early, often through refinancing, or because the consumer was delinquent in making payments and the servicer repossessed the consumer’s car. As we describe in a report released today, examiners found that servicers engaged in unfair practices by failing to request refunds from the third-party administrators for “unearned” fees related to one such add-on product, GAP, and failing to apply the applicable refunds to the accounts after repossession and cancellation of the contracts. At that point, the consumers did not have the cars that had been subject to the GAP product, and the product no longer offered any possible benefit to consumers. Examiners found that servicers later sent deficiency notices to consumers and reported balances to third-party debt buyers that included these inaccurate amounts in the deficiency balances owed by consumers.

    In response to these findings, the servicers remediated impacted consumers and implemented additional controls to ensure they process add-on product refunds after repossession.

    Miscalculating Refunds

    CFPB examiners have also cited servicers for engaging in unfair acts or practices for miscalculating ancillary auto product refunds after repossession and attempting to collect miscalculated deficiency balances. For example, servicers incorrectly calculated refunds for extended warranty products or other products that had been financed through the consumers’ auto loans. The miscalculations reduced the refunds available to certain borrowers and led to deficiency balances that were higher by hundreds of dollars. The servicers then attempted to collect the deficiency balances. In response to these findings, the servicers conducted reviews to identify and remediate affected borrowers.

    The CFPB will continue to scrutinize servicer practices to make sure that borrowers aren’t overcharged when their loans end early.

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    Cuando se reanuden los pagos, habrá prestatarios de préstamos estudiantiles federales que podrían ser elegibles para una cancelación o pagos más bajos

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    Este octubre, por primera vez desde marzo del 2020, millones de prestatarios de préstamos estudiantiles federales harán un pago a sus préstamos. Muchos de ellos podrían reducir sus pagos o recibir una cancelación de sus préstamos, por lo que deberían explorar cuáles opciones tienen, antes de pagar. Los prestatarios que enfrenten problemas con sus préstamos estudiantiles deberían enviarnos una queja.

    Para millones de prestatarios, el reinicio del pago de los préstamos estudiantiles significa un cambio importante en sus circunstancias financieras, especialmente para aquellos quienes harán su primer pago después de graduarse. Nuestra investigación (en inglés) descubrió que muchos prestatarios de préstamos estudiantiles ya están atrasados en otros tipos de deudas y en riesgo de atrasarse en sus préstamos estudiantiles, y el reinicio de los pagos sólo empeorará esta situación. Los prestatarios podrían tener derecho a reducir sus pagos, o incluso, a la cancelación de sus préstamos, a través de programas de pago basados en ingresos y otras opciones de cancelación. Antes de pagar, los prestatarios deberían explorar las posibilidades de reducir o eliminar la carga de sus deudas estudiantiles.

    Desafortunadamente, hemos descubierto que, en el pasado, los administradores de préstamos estudiantiles les han dificultado a los prestatarios ganar acceso a programas de reducción de pagos o de cancelación de préstamos. El monitoreo que hacemos de las quejas recibidas y nuestros esfuerzos de ejercicio de ley y de supervisión han descubierto que excesiva burocracia, retrasos, e inclusive, el uso de prácticas ilegales, han dejado a los prestatarios pagando más de lo que deberían.

    Mientras los prestatarios se preparan para reiniciar el pago de sus préstamos, en la CFPB estamos trabajando para asegurarnos de que los administradores cumplan con las leyes y para proteger a los prestatarios. Observaremos muy de cerca las prácticas usadas por los administradores, los resultados que obtengan los prestatarios, la información que recojan otras entidades reguladoras, y los problemas que aparezcan en las quejas enviadas por los consumidores.

    Si usted inicia el pago de préstamo estudiantil en octubre, a continuación le mostramos qué necesita saber, y qué hacer si tiene problemas con los administradores de sus préstamos estudiantiles.

    Si usted inicia el pago de préstamo estudiantil en octubre, le mostramos lo que necesita saber, y qué hacer si tiene problemas con los administradores de sus préstamos estudiantiles.

    Qué necesita saber

    • Hay opciones disponibles de cancelación . Para ayudar a los prestatarios, el Departamento de Educación recientemente descartó o canceló más $116.6 billones en préstamos usando una variedad de programas, pero probablemente muchos más son elegibles para recibir asistencia. Particularmente, aquellos que hayan estado pagando por más de 20 años, o quienes hayan tomado menos de $12,000 en préstamos y hayan estado pagando por más de 10 años, podrían calificar para recibir cancelación de sus préstamos de acuerdo con el nuevo plan del Departamento de Educación “Saving on a Valuable Education” (en inglés), SAVE, o “Plan de Pago para una Educación de Calidad ”. Los prestatarios que trabajen para empleadores calificados, como organizaciones sin fines de lucro o agencias gubernamentales, podrían ser elegibles para recibir Perdón de Préstamo por Servicio Público. La cancelación también está disponible para prestatarios que tengan discapacidad total y permanente. Y aquellos prestatarios que hayan sido engañados por sus universidades, o hayan sufrido la interrupción de su educación por el cierre de la institución, podrían ser elegibles para recibir “borrower defense” o defensa al prestamista, y descargos por cierre. Si usted cree que podría ser elegible, puede solicitar suscribirse a estos planes online o llamando al administrador de sus préstamos.
    • Usted podría reducir sus mensualidades a través de opciones de pago basadas en sus ingresos . Bajo los programas de pago basados en sus ingresos, los prestatarios podrían reducir sus mensualidades tan bajo como a $0. Bajo al más nuevo de sus planes basados en ingresos, el Departamento de Educación estima (en inglés) que más de 1 millón de prestatarios adicionales podrían calificar para tener mensualidades de $0. Los prestatarios pueden suscribirse a planes de pago basados en sus ingresos online o llamando al administrador de su préstamo.
    • Todo prestatario debería ser automáticamente protegido de sufrir ciertas consecuencias si se atrasan con sus pagos (en inglés). El Departamento de Educación ha creado una vía temporal para proteger a prestatarios en dificultades. Si usted deja de pagar, los intereses comenzarán a acumularse sobre su préstamo, pero no deberían hacerlo sobre su capital, y usted debería estar protegido contra reportes negativos en su informe de crédito, de ser colocado en incumplimiento, o referido a agencias de cobranzas, por causa de pagos atrasados, omitidos o parciales, por hasta 12 meses. Sin embargo, esta medida que es una válvula de seguridad no debería ser usada por los administradores para demorarse en prestarle asistencia con sus préstamos a los prestatarios, y si los consumidores tienen preocupaciones, deberían contactarnos.

    Si tiene preguntas sobre los detalles de cualquiera de estos programas, visite la página StudentAid.gov , o contacte al administrador de su préstamo.

    Las quejas nos ayudan a responder a problemas emergentes

    En la CFPB, contamos con numerosas herramientas para hacer que los administradores de préstamos estudiantiles rindan cuentas, sin embargo, las quejas que recibimos de los consumidores son particularmente poderosas puesto que nos permiten ayudar a los consumidores, identificar y enfrentar problemas emergentes, y hacer que las compañías rindan cuentas y cumplan con la ley. Si usted tiene un problema con su préstamo estudiantil, puede enviarnos una queja. Trabajaremos para conseguirle una respuesta de la compañía. Su queja también nos ayuda a asegurarnos de que las compañías responsables de manejar correctamente los pagos de préstamos estudiantiles cumplan con la ley.

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    Protecting servicemembers from costly auto loans and wrongful repossessions

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    + By + Patrick Brick, + Ryan Kelly, + and + Chris Kukla + – + + + + + +
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    If you take a drive down the main road leading to most military bases in the country, you’ll likely see car dealerships lining both sides of the street. The CFPB’s prior research has shown that young servicemembers tend to take out auto loans soon after joining the military and carry more auto debt than their civilian peers. This isn’t altogether surprising. When many servicemembers finish basic training, their first duty station is often in an area where a car is needed to get around or leave the base.

    Access to credit can be an important and valuable tool for servicemembers. At the same time, if a servicemember becomes unable to keep up with financial obligations, it can lead to adverse personnel actions such as a lost security clearance or potential discharge. Many servicemembers are young, first-time car buyers with limited knowledge of credit products and terms. Accordingly, they may be more likely to agree to products they don’t need or understand or receive loan terms that are not in their best interest. While we expect that lenders will treat all borrowers fairly and responsibly, lenders need to pay particular attention to how they treat servicemembers and their families.

    CFPB research shows that by the age of 24, around 20 percent of young servicemembers have at least $20,000 in auto debt, which is nearly two-thirds of a young enlisted soldier’s typical base salary at that age. In comparison, only seven percent of civilians at age 24 have the same amount of auto debt while 71 percent don’t have any. Young servicemembers also generally have higher rates of delinquency and repossession, especially those who serve fewer than five years. Those who remain in service longer than five years have rates of delinquency that are virtually indistinguishable from civilians.

    To better protect those who serve in our military, Congress passed the Servicemembers Civil Relief Act (SCRA). Among other protections, the SCRA provides specific safeguards for active-duty military members facing repossession of their cars. While we know that many lenders take following the SCRA seriously, over the past five years the Department of Justice (DOJ) has sued multiple lenders for violating the law in their auto repossession practices.

    The CFPB recently released a bulletin outlining some concerns about auto loan servicing and wrongful repossessions with respect to all consumers. Additionally, it’s less costly to repossess a car because many lenders now use certain technologies that make it easier to locate the vehicle, including starter-interrupt devices, GPS locators, and license plate recognition. We’re concerned that the use of these technologies may disproportionally impact certain communities and we’re taking steps to better understand their impact, including potential privacy concerns.

    We expect servicers, lenders, and repossession agents to adhere to the requirements under the SCRA, particularly when using new repossession technologies to ensure that servicemembers are treated fairly and that all applicable laws and regulations are carefully followed.

    If you’re a servicemember and believe your SCRA rights have been violated, we encourage you to reach out to your local legal assistance office and file a complaint directly with DOJ . If you have more general trouble with a financial product or service, you can submit a complaint to the CFPB. Servicemembers are responsible for keeping our country safe from harm, and we’re committed to protecting them from unfair or illegal financial services practices.

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    Rising car prices means more auto loan debt

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    + By + Ryan Kelly, + Chris Kukla, + and + Ashwin Vasan + – + + + + + +
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    Earlier this month, the Bureau of Labor Statistics released data regarding changes to the Consumer Price Index (CPI), which is one measure of inflation. The increasing cost of automobiles continues to be a major component of inflation, as many manufacturers face difficulties procuring chips that are a key component in cars and are therefore producing fewer new cars. While the chip shortage has caused new cars to grow more expensive, the price increase of used cars has been sharper. Data show that the CPI for used cars and trucks increased 40 percent since January 2021 while the CPI for new cars increased 12 percent. As car prices continue to rise, loan amounts are rising, and loan lengths are growing to make those larger loans seem affordable.

    As a result, we expect that both the total amount of debt and the average loan size will continue to increase and that larger car loans will put increased pressure on some consumers’ budgets for much of the next decade. Auto loans are already the third largest consumer credit market in the United States at over $1.4 trillion outstanding , double the amount from 10 years ago and expected to grow further. We are also concerned that current high auto prices, especially for used cars, might create incentives for lenders to repossess cars more quickly than would have occurred before.

    For many, their car or truck is essential to get to work or to do their work. Therefore, as the economic recovery continues, we will focus on ensuring a fair, transparent, and competitive auto lending market in the following ways.

    Ensuring affordable credit for auto loans

    When loans are affordable, consumers can repay the loan and continue to use their car. When loans are made at the edge of (or beyond) a consumer’s ability to repay, any economic disruption in the consumer’s life can result in repossession. Given the increase in loan amounts, the rising length of loan terms, and the uncertainty around the ongoing economic recovery, we will be closely monitoring lender practices and consumer outcomes. In particular, we continue to evaluate lending structures where lenders seem to rely on high interest rates and fees to profit even when consumers fail.

    We are also concerned about loan-to-value (LTV) ratios in the auto loan market. While LTV ratios have dropped in the past year for consumers who already had cars due to high used vehicle prices, LTVs were climbing prior to the global vehicle shortage. We expect that trend to resume once price pressures abate. We will continue to monitor the market as pricing issues persist.

    Monitoring practices in auto loan servicing and collections

    The current economic recovery is uneven, and some consumers have been hit harder economically due to the pandemic. We want to ensure that incentives are aligned between servicers and consumers, that servicers are making accommodations available to all consumers and that servicer practices treat consumers fairly. We will also continue to work with our federal agency partners to ensure that the special protections offered to our servicemembers are followed and enforced.

    Technology continues to shape auto loan servicing and collections, but with that comes questions about the effect on consumers. It is now less costly to repossess a car because many lenders require the use of some of these technologies. For example, some lenders require access to GPS locators so that they always know where a car is physically located, require the installation of technology that blocks a borrower who has missed even one payment from starting the car, or use license plate recognition (LPR) technology to find cars on repossession “hot lists”.

    We are concerned that the use of these technologies may disproportionally impact certain communities, and we are taking steps to better and fully understand their impact, including privacy concerns associated with them.

    Fostering competition among subprime lenders

    Consumers with prime credit scores typically have many financing options, including borrowing directly from lenders. This provides them more leverage to negotiate interest rates. On the other hand, consumers with subprime credit scores often get loans indirectly through a smaller pool of lenders that operate exclusively through dealers or from buy-here-pay-here (BHPH) dealers that specialize in subprime lending. The result is less comparison shopping, fewer options, and less leverage to negotiate the interest rate.

    CFPB research shows that the average subprime auto loan interest rate is between about 9 percent and 20 percent annually , depending on the type of lender. This variation has a large impact on consumers. Our report estimates that typical “shallow subprime” small BHPH borrowers would save around $894 over the life of a loan if they could reduce the interest rate from 13 percent, which is typical for such BHPH borrowers, to 9 percent, which is typical for bank borrowers with similar default rates.

    We are looking to better understand potential barriers to competition in the subprime auto lending market that may drive these and related outcomes. We will continue to research auto lending policies and practices that may hinder a fair, transparent, and competitive market. And, we will work with our counterparts at the Federal Trade Commission and the Federal Reserve Bank Board of Governors to use our collective authorities to address issues in the market.

    Given the steep rise in costs to purchase an automobile, it is critical that America has a well-functioning auto lending market. We will keep the public updated on changes to the market and the actions we are taking to ensure the market is working fairly for all Americans.

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    Top 10 ways to protect yourself in the wake of the Equifax data breach

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    + By + Kristin Dohn + – + + + + + +
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    Whether or not you are among the millions of people affected by the recent Equifax data breach, there are several steps you can take to respond when your personal information is exposed in a data breach. 

    We outlined several identity theft tips for you last week. Since then, people have been asking many questions and we will continue to work to provide answers—or point people to other resources that may help make the situation clearer. 

    Free credit monitoring offered by Equifax

    Equifax is offering a free monitoring service to anyone—not only those who are affected by this breach. Since this is a free service, you should consider signing up for this service, if it makes sense for you, by visiting equifaxsecurity2017.com .

    Any time you are offered free credit monitoring, make sure you check for:

    • Trial periods
    • Fees
    • Cancellation requirements
    • Other restrictions, such as automatic renewals
    • Whether you are being asked to give your credit card, debit card, or bank account information

    If you don’t give your credit card, debit card, or bank account information, that helps to avoid getting automatically renewed and charged for something that you expected to be free. This will also help to make sure you don’t face unexpected fees, charges, or other limitations.

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    Credit monitoring and arbitration

    In the initial response to the data breach, people were concerned over an arbitration clause to enroll in Equifax’s TrustedID program for credit monitoring. Originally, this clause stated that claims and disputes against the company would be settled by arbitration, as opposed to in a court of law. 

    In an update for consumers , Equifax announced that it has removed the arbitration clause language from its terms of use for the credit monitoring product, called TrustedID Premier. With this change, the company has stated that anyone who enrolls in the company’s free credit file monitoring and identity theft protection will not waive their right to pursue legal action or join a class-action lawsuit concerning the cybersecurity incident or the TrustedID Premier product provided in response to that incident, should you choose.

    Top 10 ways to protect your personal information from being misused

    1. Review your credit report. You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from AnnualCreditReport.com . 

    2. Consider a security freeze. A security freeze or credit freeze on your credit report restricts access to your credit file. Creditors typically won’t offer you credit if they can’t access your credit reporting file, so a freeze prevents you and others from opening new accounts in your name. In almost all states, a freeze lasts until you remove it. In some states, it expires after seven years.  

    3. Set up a fraud alert. Fraud alerts require that a financial institution verifies your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account. A fraud alert won’t prevent lenders from opening new accounts in your name, but it will require that the lenders take additional identification verification steps to make sure that you’re making the request. An initial fraud alert only lasts for 90 days, so you may want to watch for when to renew it. You can also set up an extended alert for identity theft victims, which is good for seven years.

    4. Read your credit card and bank statements carefully. Look closely for charges you did not make. Even a small charge can be a danger sign. Thieves sometimes will take a small amount from your checking account and then return to take much more if the small debit goes unnoticed.

    5. Don’t ignore bills from people you don’t know. A bill on an account you don’t recognize may be an indication that someone else has opened an account in your name. Contact the creditor to find out.

    6. Shred any documents with personal or sensitive information. Be sure to keep hard copies of financial information in a safe place and be sure to shred them before getting rid of them. 

    7. Change your passwords for all of your financial accounts and consider changing the passwords for your other accounts as well. Be sure to create strong passwords and do not use the same password for all accounts. Don’t use information such as addresses and birthdays in your passwords. For more tips on how to create strong passwords read more from the Federal Trade Commission (FTC) . 

    8. File your taxes as soon as you can. A scammer can use your Social Security number to get a tax refund. You can try to prevent a scammer from using your tax information to file and steal your tax refund by making sure you file before they do. Be sure not to ignore any official letters from the IRS and reply as soon as possible. The IRS will contact you by mail; don’t provide any information or account numbers in response to calls or emails.

    9. Active duty servicemembers are eligible for additional protections, and should also monitor their credit carefully. Learn more about what you can do if you’re currently serving at home or abroad.

    10. If you are the parent or guardian of a minor and you think your child’s information has been compromised, here are some steps from the FTC you can take to protect their information from fraudulent use. If you think you or your child’s identity has already been stolen you can follow checklists and additional steps provided by the FTC to begin recovering from a case of identity theft. 


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    Understand how the CFPB’s Debt Collection Rule impacts you

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    If you have a debt in collection, it’s often a challenging time. You may be having a difficult time financially and that can be frightening. And if a debt collector contacts you about your debts, you may have concerns about whether the debt collector is legitimate, whether the debt is yours, or if the amount the collector is seeking to collect is accurate.

    The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. In addition, on November 30, 2021, the CFPB’s new Debt Collection Rule became effective. This rule clarifies how debt collectors can communicate with you, including what information they’re required to provide at the outset of collection about the debt, your rights in debt collection, and how you can exercise those rights.

    Here are five key things to know about the new debt collection rule.

    What is a debt collection validation notice?

    When a debt collector first communicates with you, or shortly thereafter, they’re generally required to provide certain information about the debt. When the information is provided in writing or electronically, it is called a validation notice, and it will generally include information like:

    • Name and mailing information of the debt collector
    • Name of the creditor to whom the debt is owed
    • Account number (if any) associated with the debt
    • An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records
    • The current amount of the debt as of when the validation notice is provided
    • Information about your debt collection rights including how to dispute the debt

    This notice is meant to help you identify whether you owe the debt and whether the collector’s information about the debt is accurate. The notice must include a “tear-off” form that you can send back to the debt collector to dispute the debt or take other actions.

    How often can a debt collector call me?

    The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from repeatedly or continuously calling you with the intent to harass, oppress, or abuse you.

    Under the Debt Collection Rule, collectors are presumed to violate the law if they place a telephone call to you about a particular debt:

    • More than seven times within a seven-day period, or
    • Within seven days after engaging in a phone conversation with you about a particular debt

    These call frequency presumptions only apply to calls placed by the collector to you. They don’t apply to text messages, emails, and other types of media. Those media have other limitations.

    Learn more about the rules for how often a debt collector can call you

    When can a debt collector report my debt to a credit reporting company?

    There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following:

    • Speak to you by telephone or in person about the debt
    • Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable

    If the debt collector sends you a validation notice, it means that they’ve satisfied their requirement to contact you and, in general, can begin reporting the debt to credit reporting companies, provided they follow other laws about credit reporting.

    Learn more about the rule for reporting a debt in collection

    Can a debt collector contact me on social media about a debt?

    Debt collectors must follow certain rules if they contact you through social media, including:

    • Keeping the messages private – Their messages to you must be private and not viewable by the general public or by your friends, contacts, or followers.
    • Identifying themselves as a debt collector – If a debt collector attempts to send you a private message requesting to add you as a friend or contact, the debt collector must identify themself as a debt collector.
    • Providing a way for you to opt out of their communications – They must also provide you, in each message, a simple way to opt out of receiving further communications from them on that social media platform.

    Learn more about restrictions around social media outreach

    What is a “limited-content message?”

    A “limited-content message” is a type of voicemail that a debt collector may leave for you that must include specific information. Limited-content messages must include:

    • A business name that does not indicate the caller is a debt collector
    • Telephone number(s) you can use to return the call
    • A request that you reply and the name(s) of who you can contact to reply

    There’s also some optional information they can include, including suggested dates and time for you to reply. Voicemails that don’t follow these rules are not considered limited-content messages.

    Learn more about limited-content messages

    If you're having an issue with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372). You can also learn more about your debt collection rights.

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    Understanding the Overdraft “Opt-in” Choice

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    Making the right choice for you.

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    + By + Gary Stein + – + + + + + +
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    If you have a checking account, you might have to deal with an overdraft fee. An overdraft occurs when you don’t have enough money in your account to cover a transaction, and the bank or credit union pays for it anyway. Transactions include ATM withdrawals and debit card purchases as well as checks and ACH payments (such as online bill payments). Many banks and credit unions offer overdraft programs, and these can vary by institution.

    Generally, if you overdraw your checking account by a check or ACH, your bank or credit union’s overdraft program will pay for the transaction and charge you a fee. By allowing your account balance to fall below $0, your bank or credit union will also effectively take the repayment right out of your next deposit. At most institutions, the overdraft fee is a fixed amount regardless of the transaction amount, and you can incur several overdraft fees in a single day.

    Overdraft fees work a little differently for debit cards. Your bank or credit union cannot charge you fees for overdrafts on ATM and most debit card transactions unless you have agreed (“opted in”) to these fees. If you choose to opt in to debit card and ATM overdraft, you are usually allowed to make ATM withdrawals and debit card purchases even if you do not have enough funds at the time of the transaction. However, you will generally incur fees on transactions that settle against a negative balance later.

    If you have not opted in to ATM and debit card overdraft, debit card purchases and ATM withdrawals will generally be declined if your account doesn’t have enough funds at the time you attempt the transaction. If you have not opted in, you will still be able to make ATM withdrawals and debit card purchases when you have enough funds at the time you attempt your transaction, and you will not incur an overdraft fee regardless of whether you have the funds to cover the transaction in your account when the transaction later settles.

    Since opted-in consumers allow their bank or credit union to charge them fees in the event of an ATM or debit card overdraft, they generally pay more in overdraft fees than consumers who do not opt in. For example, in 2014 the CFPB reported that opted-in accounts are three times as likely to have more than 10 overdrafts per year as accounts that are not opted in. The CFPB also found that opted-in accounts have seven times as many overdraft fees as accounts that are not opted in. Take a closer look at how consumers are impacted by opting in to checking account overdraft.

    Whether or not you opt in, you may still be charged fees for overdrafts on checks or ACH transactions. Still, deciding whether or not to opt in can be one of the most important decisions you make that affects the cost of your checking account.

    Here are six steps you can take to reduce or eliminate overdraft fees:

    • Track your balance as carefully as you can to reduce the chance you’ll overdraft. Also, sign up for low balance alerts to let you know when you’re at risk of overdrawing your account. If you have regular electronic transfers, such as rent, mortgage payments or utility bills, make sure you know how much they will be and on what day they occur. Track the checks that you write and note when the funds are deducted from your account, so that you do not accidentally spend money you have already paid from your account. You also need to know when the funds you have deposited become available for your use.
    • Check your account balance before making a debit card purchase (or ATM withdrawal), and then pause to ask yourself if you any other payments coming up. Just because your account has enough funds when you’re at the checkout counter doesn’t mean you’ll have the funds later when the transaction finally settles. If you’ve recently written checks or made online bill payments that have yet to be deducted from your account, these could draw down your funds in the meantime, leaving you without enough funds to cover your purchase. Debit card overdraft fees can occur on transactions that were first authorized when there were sufficient funds to cover them, but took the account negative when the transaction settled.
    • Don’t opt-in. You can avoid paying overdraft fees when using your debit card for purchases and at ATMs by not opting-in, or by opting-out if you are currently opted in.  This means that your debit or ATM card may be declined if you don’t have enough money in your account to cover a purchase or ATM withdrawal at the time you attempt a transaction. However, it also means you won’t be charged an overdraft fee for these transactions.
    • Link your checking account to a savings account. If you overdraw your checking account, your institution will take money from your linked savings account to cover the difference. You may be charged a transfer fee when this happens, but it’s usually much lower than the fee for an overdraft.
    • Ask your financial institution if you are eligible for a line of credit or linked credit card to cover overdrafts. You may have to pay a fee when the credit line is tapped, and you will owe interest on the amount you borrowed, but this is usually a much cheaper way to cover a brief cash shortfall.
    • Shop around for a different account. Find out about your bank or credit union’s list of account fees, or ask about them, then compare them with account fees at other banks or credit unions. Assess your own habits and what fees you may face. Consider penalty fees, such as overdraft and non-sufficient funds charges, as well as monthly maintenance, ATM surcharge, and other service fees. When comparing banks or credit unions, you might also want to consider factors such as the hours of operation, locations, access to public transportation, available products and services, and reputation for customer service.

    Questions about overdraft fees or checking accounts?

    Check out Ask CFPB, our database of common financial questions and answers.

    Submit a complaint

    If you have a problem with overdraft fees or any other financial products, you can submit a complaint online or by calling (855)411-2372

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    We’ve updated our mortgage servicing rules to provide greater protections for mortgage borrowers and other homeowners

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    + By + Laura Johnson + – + + + + + +
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    Today we are updating our mortgage +servicing rules and expanding foreclosure protections for struggling borrowers +and other homeowners.                                                       

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    Our mortgage servicing rules that +became effective in 2014 require that the companies that collect and process +mortgage payments, known as servicers, give troubled borrowers direct +and ongoing access to servicing personnel, promptly credit payments, and +correct errors on request. The rules also include strong protections for +struggling homeowners, including those facing foreclosure.

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    Since we issued those rules, we have +seen how they are working in the market, talked to those implementing and +affected by the rules, and proposed updates to make these rules more effective. Today, we’re finalizing those proposed updates +with some changes based on the comments we received. We’re giving servicers a +full year (and for some changes longer) to implement these rules, but we want +you to see now how they will help consumers, like you. 

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    The rules include many changes, but below +are several we want to highlight:

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    Help for struggling borrowers

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    Our rule updates the way servicers +have to communicate with borrowers who have applied for loss mitigation. Loss +mitigation is a process where the servicer works with a struggling borrower to try and +find alternatives to foreclosure. For example, the updates require servicers to +let borrowers know when their application for loss mitigation is complete. This +is important because certain protections don’t begin until an application is +complete. Servicers are often prohibited from conducting a foreclosure sale while +they are in the process of reviewing a complete application.

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    These updates also require servicers to +give the protections of the loss mitigation rules to certain borrowers more +than once during the life of the loan. Currently, a servicer is only required +to give those protections under the rule once to a struggling borrower. When +the new rule goes into effect, certain borrowers who received help under the +rule before may be eligible to get help again. Receiving the protections more +than once is important for people who may experience an unexpected hardship, like +the loss of a job or a debilitating illness.

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    Protecting successors in interest

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    The rule also provides +more protections for successors in interest, individuals who didn't borrow the money originally but who acquire ownership rights to a home, often when the borrower dies or as +a result of a divorce. The rule defines successors in interest broadly. It includes +someone receiving the ownership interest when a property is transferred upon +the death of a relative, as a result of a divorce or legal separation, through certain +trusts, between spouses, from a parent to a child, or when a borrower who is a +joint tenant dies.

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    The new protections require servicers +to provide information to potential successors in interest about the documents +that are needed to confirm their status. The rule also ensures that confirmed successors +in interest are given access to many of the same notices and documents that +the original borrower would receive. 

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    Providing +more information to borrowers in bankruptcy

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    Under our existing mortgage +rules, servicers do not have to provide periodic statements or early +intervention loss mitigation information to borrowers in bankruptcy. The new +rules require servicers to provide statements to these borrowers in certain +circumstances, with specific information tailored for bankruptcy, as +well as a modified early intervention notice to let them know about loss +mitigation options.

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    Our updates are finalized, but they won’t +be in effect for a while in order to give servicers and others in the mortgage +industry time to update their systems and to implement the new protections. If +you are having issues with your mortgage, you can submit a complaint online or by calling (855) 411-2372.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/about-us/blog/what-you-need-know-if-you-were-harmed-wells-fargo/index.html b/www.consumerfinance.gov/about-us/blog/what-you-need-know-if-you-were-harmed-wells-fargo/index.html new file mode 100644 index 000000000000..ce04116137c1 --- /dev/null +++ b/www.consumerfinance.gov/about-us/blog/what-you-need-know-if-you-were-harmed-wells-fargo/index.html @@ -0,0 +1,1657 @@ + + + + + + + What you need to know if you were harmed by Wells Fargo | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    What you need to know if you were harmed by Wells Fargo

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    + By + Jeff Ehrlich + – + + + + + +
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    If you were one of the thousands of people who incurred fees as a result of an unauthorized Wells Fargo account, the CFPB has ordered Wells Fargo to refund all of your money. Some payments have already been made; others will be sent in the coming months.

    Customers of Wells Fargo or any other bank or credit union should always closely monitor their accounts to make sure they don’t see unauthorized products or account activity. If you suspect that you had an unauthorized account opened, you should visit your local bank branch or call your financial institution. If you’re still having an issue, you can submit a complaint to the CFPB, either online or by calling toll-free (855) 411-2372.

    The CFPB is requiring Wells Fargo to provide full refunds to consumers for the fees they incurred as a result of the bank’s illegal conduct, and affected customers are not required to take action to get a full refund.  

    The historic $100 million fine we imposed on Wells Fargo is in addition to the money the bank must pay back to harmed consumers. There were also fines from other government agencies. The CFPB’s large fine reflects the seriousness of these violations and sends the message to the bank and other financial institutions that this type of misconduct carries serious consequences. 

    It is also a good idea to periodically check your credit report. Get a free copy of your credit report at AnnualCreditReport.com . You can receive a free credit report from each nationwide credit reporting company once every 12 months.

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    Who are the Credit Invisible?

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    How to help people with limited credit histories

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    + By + Michele Scarbrough + – + + + + + +
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    In 2015, we published a report finding that 26 million Americans are “credit invisible.” This figure indicates that one in every ten adults does not have any credit history with one of the three nationwide credit reporting companies. The report also found that Black consumers, Hispanic consumers, and consumers in low-income neighborhoods are more likely to have no credit history or not enough current credit history to produce a credit score.

    Today, we’re releasing a brief of the most significant findings, as well as a checklist of action items to help consumers who are new to credit or looking to rebuild. 

    Check out our brief on credit invisibility , as well as our checklist .

    Credit reports and credit scores play a crucial role in the lives of consumers in America. Fortunately, there are actions you can take to build credit.

    Know what matters

    Paying your bills on time, every time, is one critical step in building a good credit score. Also, don’t get too close to your credit limit. Experts advise keeping your use at no more than 30 percent of your total credit limit. 

    Find products that will help you to build your credit history responsibly

    There are a number of existing products considered helpful in establishing or rebuilding credit histories, and provide you with the opportunity to practice making on-time payments that are reported to the credit reporting companies. Below is a list of common credit-building products to explore:

    • Secured credit cards: You can apply for this card like a traditional credit card and after approval, deposit an amount of money –which can range from $50 to $300 depending on the credit card company – into a separate account. The bank holds onto this deposit and extends you a credit line matching the deposit amount that you made. Banks typically report to the credit reporting companies about card activity – so you build credit with its use, but be sure to ask your card issuer. Many secured cards also include a “graduation” component, so you are able to move from a secured card to a traditional credit card seamlessly after establishing a pattern of consistent payments.
    • Credit builder loans: Financial institutions, typically credit unions, deposit a small “loan” (often $300-$1000) into a locked savings account and you pay the institution back with small-dollar payments over 6 to 24 months. These payments are reported to the credit reporting companies. Once you come to the end of the loan term, you receive the accumulated money back in total. These loans often have the dual benefit of building credit and savings. The savings could be used for an emergency (in lieu of a more costly financial products) or as the deposit for a secured credit card. This can help you establish a credit history for the first time.
    • Retail store credit cards: Many gas stations, department stores or retail chains offer credit cards. These cards tend to be easier to obtain and typically offer lower credit lines. This combination makes them an option when you’re looking to build up a thin or nonexistent credit record.

    Reporting rent and other, less traditional payment data to the credit reporting companies

    There are a number of payments you make that credit reporting companies don’t currently receive information about, but could be captured to record on-time payment history. This data could include monthly rent or cell phone payments. You can also leverage this opportunity by opting into self-reported payments through a company that offers this service. Fees and conditions may apply for such services, so be sure to do your homework before enrolling. 

    Know how to access credit reports 

    You have the right to request your credit report from each of the three nationwide credit reporting companies once every twelve months free of charge at annualcreditreport.com . Having this information on-hand is the most important first step to building or rebuilding credit. 

    Take steps to correct errors

    You should actively take steps to correct any accuracy issues with your credit reports. In fact, accuracy issues are the top cited issues in credit reporting complaints we handle. We have forms you can use to dispute errors on your credit report. 

    You have the legal right to dispute errors on report with the credit reporting company and the company that furnished the information to the reporting company such as your lender. Companies are obligated to conduct – free of charge – a reasonable investigation of your dispute. The company that has provided the incorrect information must correct the error, and notify all of the credit reporting companies to whom it provided the inaccurate information.

    We have other tools to help you get the information you need. If you have questions about credit reporting and building your credit, visit Ask CFPB. If you are facing an issue with credit reporting, or other financial products or services, you can submit a complaint at consumerfinance.gov/complaint or by phone at 855-411-2372.

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    Careers at the CFPB

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    The Consumer Financial Protection Bureau is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

    Come join us.

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    People are our most valuable resource. We come from a variety of professional and demographic backgrounds to work at the CFPB, and are all grounded in the same mission: making consumer finance markets work for the American people.

    Help us continue to grow and develop this 21st century agency. The work you do will directly impact the lives of American consumers.

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    Enforcement hiring

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    The Consumer Financial Protection Bureau is recruiting attorneys and non-attorneys at all experience levels to join our Enforcement team.

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    The application process can be tricky. We can help.

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    Students and recent graduates

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    Find opportunities in public service for a new generation of leaders.

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    The Consumer Financial Protection Bureau is seeking technical experts who are eager to help the government keep pace with the private sector. Our mission demands smart, usable and reliable technology and technologists. We need your help holding companies and individuals accountable.

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    Follow us on LinkedIn

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    The CFPB is one of the most searched for agencies in the federal government. Connect with us to stay updated on the work we do and new opportunities.

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    More than 180 languages available.

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    Learn about CFPB career opportunities

    Email: CFPB_Jobs@cfpb.gov

    Contracts and procurement

    To request information about doing business with us, including information about our contract and procurement processes

    Email: CFPB_Procurement@cfpb.gov

    Employment information

    To request or submit information about employment at the CFPB

    Email: cfpb-hr@cfpb.gov
    Fax: (202) 435-7330

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    Accessibility feedback

    To submit feedback about the accessibility of our web content
    Email: CFPB_accessibility@cfpb.gov

    To submit a Section 504 request
    Email: CFPB_504Request@cfpb.gov

    Equal employment opportunity (EEO) complaints

    To request EEO information or file a complaint about acts of workplace discrimination within the CFPB (for employees or applicants of the CFPB, only)

    Email: CFPB_EEO@cfpb.gov
    Call: (202) 435-9336

    Send mail to:

    ATTN: Office of Civil Rights
    1700 G Street, NW
    Washington, D.C. 20552

    Please note that this office does not handle civil rights violations experienced while using consumer financial products and services. To submit a complaint about consumer financial products or services, please use our online complaint form.

    Paperwork Reduction Act

    For questions or information about our compliance with the Paperwork Reduction Act (PRA)

    Email: CFPB_PRA@cfpb.gov

    Plain writing feedback

    To submit feedback about our compliance with the Plain Writing Act

    Email: CFPB_Plain_Writing_Act@cfpb.gov

    Whistleblower tips and leads

    For information about reporting illegal activities and whistleblower protections

    Email: whistleblower@cfpb.gov
    Call: (855) 695-7974

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    Financial education programs and offices

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    Financial Education Exchange (FinEx)

    To request information about our Financial Education Exchange (FinEx) program

    Email: CFPB_FinEx@cfpb.gov

    K-12 Financial education

    To request information about our K-12 Financial education programs and resources

    Email: CFPB_K12FinancialEducation@cfpb.gov

    Students

    To request information about our resources for college students

    Email: students@cfpb.gov

    Your Money, Your Goals Toolkit

    To request information about the Your Money, Your Goals Toolkit

    Email: CFPB_YourMoneyYourGoals@cfpb.gov

    Office of Community Affairs

    Email: empowerment@cfpb.gov

    Office for Older Americans

    Email: olderamericans@cfpb.gov

    Office of Servicemember Affairs

    Email: military@cfpb.gov

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    General office contact information

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    Administrative Adjudication Docket clerk

    Email: docketclerk@cfpb.gov

    Financial institutions and business liaison

    Email: cfpb_financialinstitutions@cfpb.gov

    Office of Competition and Innovation

    Email: OCI@cfpb.gov

    Office of Intergovernmental Affairs

    Email: IGA@cfpb.gov

    Office of Minority and Women Inclusion

    To request information about Diversity and Inclusion at the CFPB
    Email: OMWI@cfpb.gov

    To submit a voluntary Diversity and Inclusion Self-Assessment
    Email: OMWI_diversityassessments@cfpb.gov

    Office of Public Engagement

    Email: PublicEngagement@cfpb.gov

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    Information inquiries

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    Freedom of Information Act (FOIA) requests

    To submit a Freedom of Information Act (FOIA) request or inquire about our FOIA request process

    Email: FOIA@cfpb.gov
    Call: (855) 444-3642

    Send mail to:

    CFPB, Attn: Chief FOIA Officer
    1700 G Street NW
    Washington, D.C. 20552

    Note: When submitting FOIA requests, please be sure to include all required information.

    CFPB FOIA Manager: Danielle Duvall Adams 

    Press inquiries

    To submit a press inquiry or inquire about press opportunities

    Email: press@cfpb.gov

    Data inquiries

    To submit an inquiry about public data

    Email: CFPB_OCDO@cfpb.gov

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    Amicus brief requests

    To request information about our amicus briefs

    Email: CFPB_AmicusBriefs@cfpb.gov

    Credit card agreements & surveys

    To request information about general credit card agreements and surveys

    Email: Collect_Support@cfpb.gov

    College credit card marketing agreements

    To request information about college credit card marketing agreements

    Email: Collect_Support@cfpb.gov

    Equifax data breach settlement

    To request information about the Equifax data breach settlement

    Email: info@EquifaxBreachSettlement.com
    Call: (833) 759-2982

    HMDA help

    The Home Mortgage Disclosure Act (HMDA) Help inbox is the primary support tool for all financial institutions, vendors, and those required to report mortgage disclosure information under Reg C. HMDA.

    To request information about or help with HMDA reporting

    Email: HMDAHelp@cfpb.gov

    Interstate land sales registration program office

    Email: CFPB_ILSAProgramOffice@cfpb.gov
    Call: (202) 435-7800

    Regulation inquiries

    To submit a question about CFPB published rules and regulations, visit reginquiries.cfpb.gov

    Note: Our website has an extensive inventory of information about our rulemaking and regulatory practices. Please be sure to review our implementation and guidance materials before submitting a question.

    Regulatory implementation

    To request information about our work implementing consumer finance regulation

    Email: CFPB_RegulatoryImplementation@cfpb.gov

    Supervision policy and examinations

    To provide feedback about our implementation and guidance materials

    Email: supervision@cfpb.gov

    Technical questions about reporting small business lending data

    To request information about reporting small business lending data
    Email: SBLHelp@cfpb.gov

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    Social media

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    Facebook

    Consumer Financial Protection Bureau
    https://www.facebook.com/CFPB
    Official CFPB Facebook account

    CFPB: La Oficina para la Protección Financiera del Consumidor
    https://www.facebook.com/CFPBespanol
    Official Spanish-language CFPB Facebook account

    LinkedIn

    Consumer Financial Protection Bureau
    https://www.linkedin.com/company/consumer-financial-protection-bureau/
    Official CFPB LinkedIn account

    Twitter

    @CFPB https://twitter.com/CFPB
    Official CFPB Twitter account

    @CFPBespanol https://twitter.com/CFPBespanol
    Official Spanish-language CFPB Twitter account

    @ChopraCFPB https://twitter.com/chopracfpb
    Official account of CFPB Director Rohit Chopra

    YouTube

    CFPBvideo https://www.youtube.com/cfpbvideo
    Official CFPB YouTube account

    CFPBLive https://www.youtube.com/@cfpblive
    Official CFPB YouTube account for webinars and events

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    Diversity and inclusion at the Bureau

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    We value diversity and inclusion, and we drive innovation by leveraging the talents and perspectives of CFPB's diverse workforce and stakeholders to best protect the financial interests of all consumers.

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    We promote diversity and inclusion within our own workplace, seek diverse businesses with whom we can contract, and assess policies and practices within the institutions we regulate and contractors with whom we partner.

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    An ongoing commitment

    Our five-year diversity and inclusion strategic plan outlines our goals and priorities, and the specific actions undertaken to implement them. 

    Office of Minority and Women Inclusion Mission: To develop and foster a diverse and inclusive work environment informed by best practices in diversity and inclusion in which employees have equal access to opportunities and are valued for their expertise and authentic perspectives. To provide strategic advice on innovative diversity and inclusion practices in all Bureau mission-focused activities and to the financial industry for the benefit of the American consumer.

    Read our diversity and inclusion strategic plan

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    We ensure a diverse and inclusive workforce and workplace culture

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    We work to ensure that the Bureau's workforce reflects the diversity in America which helps us to develop solutions that are relevant for all consumers. We focus on creating an inclusive workplace to ensure that all employees are treated equitably and work in an inclusive environment where their experiences are valued and their perspectives can be shared and considered, which allows them to do their best work for consumers.

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    We monitor progress and share best practices with regulated entities

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    A diverse and inclusive workforce helps financial service providers to connect with an increasingly diverse customer base. We assess the diversity and inclusion policies and practices of entities we regulate in order to develop and share strategic advice, best practices, and trends.

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    We reach out to minority-owned and women-owned businesses

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    We're dedicated to increasing opportunities for small, women-owned, and minority-owned businesses to work with the Bureau. We continuously improve our engagement with minority-owned and women-owned businesses by offering information and technical assistance, and by ensuring that our contracting processes are transparent, fair, and equitable.

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    We evaluate diversity in our contractor workforces

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    We require all contractors who work with the Bureau to certify that they've made good faith efforts to ensure the equitable inclusion of women and minorities in their workforce.

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    What we mean by “diversity and inclusion”

    Diversity encompasses the range of differences that employees and stakeholders bring, including:

    • identities (for example, race, ethnicity, age, sexual orientation, gender, religion)
    • backgrounds (for example, parental status, marital status, uniformed status, political affiliation, socio-economic, geographic, genetic information)
    • disabilities
    • cultures
    • perspectives
    • working styles

    Inclusion is the process of fostering an environment where all employees are valued and empowered to share their experiences and ideas to inform the work, so we can leverage the broad talents of our diverse workforce.

    Diversity and inclusion practices improve the level of service we provide

    While the 2008 financial crisis devastated communities across the nation, it disproportionately harmed minority communities and women. As financial regulators work to craft rules that promote economic recovery and protect consumers, outcomes that ensure that minorities and women fairly benefit from the recovery must continue to be a priority, both now and over the long term.

    A diverse and inclusive workforce attuned to a variety of consumer behaviors helps us better understand how policies, products, and regulations may uniquely affect consumers from various backgrounds. 

    Directives for our work

    Our focus on diversity and inclusion comes from various directives:

    1. Section 342 of the Dodd-Frank Act created an Office of Minority and Women Inclusion (OMWI) in each of the financial regulatory agencies, including the Bureau. OMWI is responsible for all matters of the agency relating to diversity in management, employment, and business activities. The OMWI Director is required to develop standards for:

    • Equal employment opportunity and the racial, ethnic, and gender diversity of our own workforce and senior management;
    • Increased participation of minority-owned and women-owned businesses in our programs and contracts, including standards for coordinating technical assistance to such businesses;
    • Assessing the diversity policies and practices of entities we regulate;
    • Ensuring, to the maximum extent possible, the fair inclusion and utilization of minorities, women, and minority-owned and women-owned businesses in all of the Bureau's business and activities at all levels, including in procurement, insurance, and all types of contracts.

    2. Executive Order 13583 (2011) established a coordinated government-wide initiative to promote diversity and inclusion in the federal workforce.

    3. Regulations implementing Section 501 of the Rehabilitation Act of 1973 requires agencies to facilitate full inclusion of people with disabilities.

    4. Code of Federal Regulations (CFR) Title 29 Part 1614 requires that we provide a neutral forum for the discussion, investigation, adjudication, and resolution of Equal Employment Opportunity matters. There are other executive orders on the matter.

    5. Title VII of the Civil Rights Act of 1964, the Equal Pay Act, the Age Discrimination in Employment Act, and the Genetic Information Non-Discrimination Act require that the Bureau follow all civil rights laws. 

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    + CFPB Webinar: Get to Know your Federal Financial Regulators +

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    Join us for the CFPB’s fall 2023 elder justice network webinar series.

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    Agency representatives will discuss their agencies’ roles as Financial Institution Regulatory and Enforcement Agencies (FIREAs) and as partners in elder financial exploitation prevention and response. They will also share free resources for older consumers, account holders, and financial caregivers.

    Speakers

    Louisa Quittman, Office of the Comptroller of the Currency

    Peggi Gill, Federal Deposit Insurance Corporation

    Lisa Schifferle, Consumer Financial Protection Bureau

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    + Public Service Loan Forgiveness Demystified +

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    If you were unable to join us last week for PSLF Demystified, we are hosting the webinar again, on Friday November 12th at 1:00pm EST.

    Join Consumer Financial Protection Bureau (CFPB), Office of Federal Student Aid (FSA), and The Institute of Student Loan Advisors (TILSA) as we layout the steps to qualify and apply for Public Service Loan Forgiveness (PSLF). We will be hosting a webinar designed to help you understand the requirements and give you practical tips to help you get on track to achieve loan forgiveness.

    Speakers include:

    Tanika Mangum, Outreach Specialist, Department of Education, Office of Federal Student Aid

    Betsy Mayotte, President and Founder, The Institute of Student Loan Advisors

    RSVP link:

    Register online

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    Events

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    Visit our events archive to view recordings of past events.

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    + Fall 2023 Credit Union Advisory Council Meeting +

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    + Washington, DC + CFPB Headquarters + - + + @ + + +
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    + The Credit Union Advisory Council will meet to discuss broad policy matters related to the Bureau’s Unified Regulatory Agenda and general scope of authority. +
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    + Fall 2023 Community Bank Advisory Council +

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    + Washington, DC + CFPB Headquarters + - + + @ + + +
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    + The Community Bank Advisory Council will meet to discuss broad policy matters related to the Bureau’s Unified Regulatory Agenda and general scope of authority. +
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    + Fall 2023 Consumer Advisory Board Meeting +

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    + Washington, DC + CFPB Headquarters + - + + @ + + +
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    + The CAB will discuss broad policy matters related to the Bureau’s Unified Regulatory Agenda and general scope of authority. +
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    About us

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive.

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    Our work

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    We aim to make consumer financial markets work for consumers, responsible providers, and the overall economy.

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    Budget and strategy

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    We publish our strategy and budget so you can understand our priorities and how we’re serving the American public.

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    Diversity and inclusion

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    Respect for diversity and inclusion, both in our own workforce and those we work with, is embedded in our core values and integral to helping us achieve our mission.

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    Doing business with us

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    We actively seek opportunities to collaborate with subject matter experts, third-party vendors, and other external stakeholders to help inform our policy work, stay on top of emerging trends, and build effective programs to support our mission.

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    Careers

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    We are always looking for talented individuals who want to do meaningful work for consumers. And we strive to create a workplace that supports and develops them.

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    Contact us

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    Whether you have questions about the CFPB, a consumer financial product or service, or you want to submit a complaint, we’ll point you in the right direction.

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    As Federal Eviction Protections Come to an End, CFPB Warns Landlords and Consumer Reporting Agencies to Report Rental Information Accurately

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    WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) today released an Enforcement compliance bulletin reminding landlords, consumer reporting agencies (CRAs), and others of their critical obligations to accurately report rental and eviction information. Inaccurate rental and eviction information on a tenant screening report or a credit report can unfairly block a family from safe and affordable housing. As the federal eviction moratorium and other pandemic rental protections come to an end, the CFPB wants to protect families from being denied housing on the basis of inaccurate information. The CFPB’s bulletin is part of its ongoing commitment to a fair and equitable recovery.

    “Errors in your tenant screening report shouldn’t hold you back from having a place to call home,” said CFPB Acting Director Dave Uejio. “For families already struggling to make ends meet, an inaccurate report can be the difference between homelessness or settling into a safe and affordable home. Landlords and consumer reporting agencies have clear obligations under federal law, regarding the accuracy of information reported about tenants, and to conduct timely investigations when consumers dispute information. They need to get this right. The CFPB will closely monitor their compliance, and we will use all the tools at our disposal including enforcement, to protect consumers during this critical time.”

    Accuracy in consumers’ credit reports will help to increase rental application acceptances, support housing security, and promote a fair and equitable recovery. The CFPB is concerned that the end of the CDC eviction moratorium could mean both an increase in negative rental information in the consumer reporting system and an increase in consumers seeking rental housing. This combination could exacerbate existing problems with the accuracy of tenant-screening and other consumer reports. Any accuracy shortcomings would especially hurt renters searching for new housing, including those behind on their rent and threatened with eviction. Black, Hispanic, and Asian American renters are especially vulnerable. They are nearly twice as likely as white renters to be behind on their rent, according to a CFPB analysis of U.S. Census Bureau housing data . They may also be at an increased risk for having someone else’s negative information erroneously included with theirs, given the relative lack of surname diversity within some communities, compared to within the white population.

    The CFPB intends to look carefully at whether landlords, property management companies and debt collectors are furnishing accurate information to CRAs and complying with their dispute-handling obligations under the Fair Credit Reporting Act (FCRA). The CFPB plans to pay particular attention to whether furnishers are reporting arrearages that include:

    • Amounts already paid on behalf of a tenant through a government grant or relief program; and
    • Fees or penalties prohibited by CARES Act section 4024(b) or other laws.

    The bulletin also puts CRAs on notice that the CFPB will be looking at whether companies are:

    • Following appropriate procedures to include only accurate rental information in individuals’ consumer reports.
    • Reporting rental information that belongs to the consumer who is the subject of the report.
    • Reporting accurate and complete eviction information, including having reasonable procedures to include the disposition of the eviction, prevent the inclusion of multiple entries for the same eviction action, and prevent the inclusion of eviction records that have been expunged or sealed.
    • Properly investigating when consumers report inaccuracies.

    In the event the CFPB identifies CRAs or furnishers not meeting their obligations under the FCRA, the CFPB will take appropriate action to address violations and seek all appropriate corrective measures, including remediation of harm to consumers.

    Consumers who encounter rental information errors or other errors on their consumer reports, or believe errors exist, have rights and recourse. Consumers have the right to:

    • Review their credit reports from the nationwide CRAs. Normally, consumers can request one free consumer report, every 12 months, from each of the three nationwide CRAs (Equifax, Experian, and TransUnion). However, through April 2022, consumers can request a free report weekly.
    • Dispute errors identified on their consumer reports. Consumers have the right to dispute mistakes on their consumer reports with both, or either, the CRA and the furnisher.
    • Review their reports from other consumer reporting agencies. For a list of some of the companies offering reports, such as tenant screening reports, please visit the CFPB blog, Know your data: Our updated list of consumer reporting companies.
    • Submit complaints to the CFPB. Consumers can submit consumer report complaints via the CFPB website, www.consumerfinance.gov/complaint/. (Consumer complaints are important for the CFPB’s enforcement actions.)

    To learn more about tenant screening reports and disputing report errors, please visit the CFPB’s tenant screening report blog.

    If you or your family are facing eviction or are struggling to make rent payments, please visit www.consumerfinance.gov/coronavirus/.

    You can find today’s compliance bulletin on the Compliance Resources section of the CFPB’s website.

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    The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit www.consumerfinance.gov.

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    CFPB and Financial Regulators Issue Guidance on How Banks Handle Consumer Deposit Account Discrepancies

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    Interagency Guidance Details Supervisory Expectations for Preventing Consumer Harm

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    WASHINGTON, D.C. — Today the Consumer Financial Protection Bureau (CFPB) and four federal financial regulatory agencies issued guidance providing supervisory expectations on how financial institutions should handle consumer deposit discrepancies. The interagency guidance states that banks should avoid or reconcile, or resolve discrepancies between the amount they credit to a consumer’s account and how much was actually deposited. The guidance calls on banks to adopt policies that treat consumers fairly when they make deposits and do not violate law. 

    “Consumers should not be denied timely access to the full amount of their deposits,” said CFPB Director Richard Cordray. “Today’s guidance should make it clear that we expect financial institutions to take steps to handle and resolve deposit discrepancies and avoid consumer harm.” 

    Today’s interagency guidance is available at: https://www.consumerfinance.gov/f/documents/201605_cfpb_interagency-guidance-regarding-deposit-reconciliation-practices.pdf

    When a consumer makes a deposit, in some instances, the sum the bank credits to the account may be different from the total amount deposited. These deposit discrepancies can occur for several reasons, such as the amount written on a deposit slip does not match the cash transferred into the bank. In other instances, there might be encoding errors or a poor image capture by the bank when it scans or reads a deposit slip. Financial institutions use a variety of approaches to fully reconcile deposit discrepancies, including technology solutions. 

    Today’s interagency guidance outlines the laws and regulations that apply to deposit discrepancy practices. If a financial institution fails to comply with applicable laws and regulations, including prohibitions against unfair, deceptive, and abusive practices, it could open it up to liability and possible action by an agency. 

    The interagency guidance is being issued by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration, the Office of the Comptroller (OCC) of the Currency, and the CFPB. 

    On August 12, 2015, the CFPB, OCC, and FDIC took action against Citizens Bank, N.A., for failing to credit consumers the full amounts of the their deposited funds. The CFPB’s consent order requires the bank to provide approximately $11 million in refunds to consumers and pay a $7.5 million penalty for the violations. 

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    The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit www.consumerfinance.gov.

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    CFPB and New York Attorney General File Lawsuit Against Illegal Nationwide Debt Collection Scheme

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    Alleges Network of Sham Collections Companies Harass, Threaten, and Deceive Millions of Consumers

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    Washington, D.C. – Today the Consumer Financial Protection Bureau (CFPB), in partnership with the New York Attorney General, filed a lawsuit in a federal district court against the leaders of a massive debt collection scheme based out of Buffalo, N.Y. The lawsuit alleges Douglas MacKinnon and Mark Gray operate a network of companies that harass, threaten, and deceive millions of consumers across the nation into paying inflated debts or amounts they may not owe. The Bureau is seeking to shut down this illegal operation and to obtain compensation for victims and a civil penalty against the companies and partners.

    “Our lawsuit asserts that millions of consumers were harassed, threatened, and deceived as part of a massive scheme to collect inflated debts,” said CFPB Director Richard Cordray. “Today we are taking action against the ringleaders of this operation so they can no longer prey upon vulnerable consumers. We are pleased to be working in partnership with New York Attorney General Schneiderman to hold these companies accountable.”

    “Living with debt is difficult enough as it is, without the added stress of being harassed and threatened by debt collectors,” Attorney General Schneiderman said. “These collection shops inflated debts of their victims. This suit sends the message that debt collectors that employ abusive tactics will be held accountable.”

    The CFPB and the New York Attorney General allege that Northern Resolution Group LLC, Enhanced Acquisitions LLC, and Delray Capital LLC are interrelated collections companies based in Buffalo, N.Y.  Together, the companies have purchased millions of dollars’ worth of consumer debt and collected some of those debts directly.  The companies were created, operated, and are overseen by Douglas MacKinnon and Mark Gray.

    The complaint alleges that since at least 2009, Northern Resolution Group, Enhanced Acquisitions, and Delray Capital, operating under the supervision of MacKinnon and Gray, have served as the lynchpin of a massive collections scheme. The operation routinely inflates consumer debts and relies on illegal tactics to extract as much money as possible from consumers for debts. MacKinnon also set up a network of at least 60 additional fly-by-night debt-collection firms to collect on the large debt portfolios purchased by Northern Resolution Group, Enhanced Acquisitions, and Delray Capital. This elaborate network also served as “window dressing,” or a workaround, when other debt sellers would no longer do business with the defendants. 

    The CFPB alleges that the defendants violated the Fair Debt Collection Practices Act. The CFPB and the New York Attorney General also allege that the defendants violated the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair and deceptive acts or practices in the consumer financial marketplace. Specifically, the CFPB and the New York Attorney General allege that MacKinnon, Gray, and their network of debt collection companies:

    • Inflated consumer debts and misrepresented amounts consumers owed: The defendants misrepresented to consumers that they owed sums they did not owe, were not obligated to pay, or that the companies did not have a legal right to collect. Specifically, Northern Resolution Group, Enhanced Acquisitions, and Delray Capital illegally added $200 to each consumer debt account they acquired, regardless of whether applicable state law or the underlying contract between the consumer and the original issuer permitted such fees or charges. In some cases, the scheme further inflated the amounts owed by tacking on additional unauthorized fees and charges to the debts.  At times, some collectors quoted consumers balances that exceeded 600 percent of the debt amount.
    • Falsely threatened legal action: The companies falsely threatened consumer with legal action that the collectors had no intention of taking. In reality, they never referred a case for prosecution.  In some cases the companies falsely accused consumers of committing crimes. Further, the companies lied to some consumers, claiming that they would be arrested to pressure them to pay debts. In one case, the companies instructed a consumer that she did not even have time to get a lawyer because she would be arrested the next day. These deceptive practices could also have affected the relative priority consumers gave to competing financial commitments.
    • Impersonated law-enforcement officials, government agencies, and court officers: The companies faked calls and emails to make it appear the communications were coming from government or court officials. The companies used call-spoofing technologies to make it appear that collectors were calling from government agencies.  The collection agents would barrage consumers and relatives with calls, claiming to be a government official who could arrest the consumer for non-payment of the debt. The companies also used emails to pretend they were contacting consumers and their family from a court.

    The complaint also alleges repeated fraudulent acts and deceptive acts or practices in violation of New York law, as well as violations of New York state debt-collection law.

    According to the complaint, MacKinnon and Gray have known about, directed, and encouraged these illegal collections practices and have profited significantly—amounting to tens of millions of dollars annually. These illegal profits have been funneled back to MacKinnon, his relatives, and Gray through payments to various sham companies that MacKinnon, Gray, and MacKinnon’s relatives controlled.

    Through this lawsuit, the Bureau seeks to stop the alleged unlawful practices of MacKinnon, Gray, Northern Resolution Group LLC, Enhanced Acquisitions LLC, and Delray Capital LLC.  The Bureau has also requested that the court impose penalties on the company and its partners for their conduct and require that compensation be paid to consumers who have been harmed. The CFPB’s complaint is not a finding or ruling that the defendants have actually violated the law.

    The full text of the complaint can be found at: https://files.consumerfinance.gov/f/documents/112016_cfpb_NorthernResolutionGroupComplaint.pdf

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    The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit www.consumerfinance.gov.

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    CFPB Consumer Complaint Bulletin Highlights Consumers’ Difficulties During Pandemic

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    Spotty Responses by Companies Undermine COVID-19 Consumer Relief Related to Evictions, Economic Income Payments, and Student Loans

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    WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) released a new complaint bulletin covering several areas of concern related to relief provided in response to the COVID-19 pandemic, including the Centers for Disease Control and Prevention (CDC) eviction moratorium. Some consumers reported facing homelessness because of the negative impact of an eviction on their credit history reported by debt collectors. Consumers were also deprived of the full benefit of the economic impact payments as a result of overdraft practices at some financial institutions, and not all student loan borrowers were able to get the timely information and assistance they needed from their student loan servicer to get the full benefit of the variety of federal loan forgiveness, cancellation, and discharge programs offered through the CARES Act.

    “The COVID-19 pandemic has inflicted unprecedented financial hardship on consumers across the nation,” said CFPB Acting Director Dave Uejio. “Millions of families, including renters, homeowners, and student loan borrowers, are facing the end of pandemic-era protections and payment assistance in the coming months. For an equitable recovery, shoddy customer service cannot stand in the way of everyone receiving the relief Congress provided.”

    Eviction Protections

    As of May 2021, an estimated 6.7 million renter householders were behind on their rental payments.. Consumers contacting the CFPB reported financial distress caused by the pandemic. Many of these consumers reported that they were current on rental payments before the pandemic, only to fall behind after losing their jobs due to the pandemic.

    Consumers reported multiple issues with debt collection practices related to eviction, such as receiving notices for outstanding account balances -- in some cases for amounts higher than their rent payments -- for apartments they had been evicted from earlier in the pandemic. Other consumers reported receiving collection notices for charges they viewed as questionable, such as fees for damaged property or outstanding utility balances.

    Some consumers have reported receiving debt collection notices following an eviction for outstanding account balances for apartments they had been evicted from earlier in the pandemic. Other consumers reported concerns that their eviction would have detrimental effects on their ability to secure future housing.

    The CFPB has taken actions to protect renters from illegal evictions during the COVID-19 pandemic:

    • In March, the CFPB and Federal Trade Commission (FTC) issued a joint statement on preventing illegal evictions.
    • In April, the CFPB issued an interim final rule to address certain debt collector conduct associated with the eviction moratorium issued by the CDC.
    • In May, the CFPB and the FTC put the nation’s largest landlords on notice that tenants must be fully informed of their rights under federal law before any eviction process starts.

    The CFPB will closely monitor evictions and related debt collection activities as the nation emerges from the pandemic.

    Economic Impact Payments

    Complaints related to Economic Impact Payment (EIP) disbursements generally arose from confusion caused by financial institutions’ advances of stimulus funds and subsequent recovery of the advances. In many cases, when the financial institution reversed the advance, consumers were hit with an overdraft fee. Consumers also contacted the CFPB about difficulties they experienced accessing the EIP funds.

    Upon the initial EIP disbursement, several financial institutions advanced to consumers with overdrawn accounts an amount equal to the overdraft amount, so consumers could access the full stimulus payment amount. These advances, sometimes referred to as provisional credits, were then reversed, usually a month later. Consumers who submitted checking account complaints reported being charged overdraft fees when funds advanced by their financial institutions were later reversed. Some consumers did not realize that an advance was posted to their account, and in some cases, were more overdrawn after the reversal.

    Following the initial disbursement of EIPs, some consumers who received their payments on prepaid cards claimed that funds were deposited onto old or defunct cards, which had been used to receive tax refunds in prior years. Consumers reported that these errors created delays in accessing their money and that subsequent disbursements led to their accounts being locked and preventing them from accessing additional funds.

    Student Loan Servicing

    Student loan borrowers have encountered long delays, sometimes lasting weeks, to get answers to questions about their account status during the suspension of loan payments. In some cases, borrowers who complained to the CFPB could not get all of their issues addressed by their servicer within the 60 days allotted by the CFPB to respond to consumer complaints.

    These reported delays in customer service have come at the same time as a significant decrease in federal student loan complaint volume following the suspension of payments on federally owned student loans in March 2020.

    Read the consumer complaint bulletin.

    If consumers have an issue with a consumer financial product or service, they can submit a complaint to the CFPB. We will work to get consumers a response from the company. Consumers can also call (855) 411-2372 or via TTY/TDD at (855) 729-2372.

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    The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit www.consumerfinance.gov.

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    CFPB Issues Rules to Facilitate Smooth Transition as Federal Foreclosure Protections Expire

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    Regulations Will Help Prevent Surge of Foreclosures and Protect American Economy

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    WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) today finalized amendments to the federal mortgage servicing regulations to reinforce the ongoing economic recovery as the federal foreclosure moratoria are phased out and which will help protect mortgage borrowers from unwelcome surprises as they exit forbearance. The amendments will support the housing market’s smooth and orderly transition to post-pandemic operation. The rules issued today will establish temporary special safeguards to help ensure that borrowers have time before foreclosure to explore their options, including loan modifications and selling their homes. The rules cover loans on principal residences, generally exclude small servicers, and will take effect on August 31, 2021.

    “As the nation shifts from the COVID-19 emergency to the economic recovery, we cannot be complacent about the dangers we still face,” said CFPB Acting Director Dave Uejio. “An unchecked wave of foreclosures would drain billions of dollars in wealth from the Black and Hispanic communities hardest hit by the pandemic and still recovering from the impact of the Great Recession just over a decade ago. An unchecked wave of foreclosures would also risk destabilizing the housing market for all consumers. We are giving homeowners the time and opportunity to make informed decisions about the best course of action for them and their families, whether that is seeking a loan modification or selling their home. And we are giving mortgage servicers the flexibility they need to serve homeowners with dignity, while managing an unprecedented volume of borrowers seeking assistance.”

    Over seven million homeowners took advantage of COVID-19 hardship forbearance, temporarily pausing the obligation to make their mortgage payments, while they resolved financial insecurity caused by the pandemic and its effects. Today, just over two million homeowners are still in forbearance, but most of those are projected to be in forbearance for more than a year. Not even during the worst of the Great Recession have so many borrowers been so far behind. Over 3% of all borrowers are now four months or more behind on their mortgages, which is the point when a foreclosure may be initiated. Once the federal foreclosure moratoria lift, these homeowners are at risk of having foreclosure started as soon as they exit forbearance, with at least 900,000 homeowners projected to exit forbearance between now and the end of the year.

    Smooth and Orderly Transition

    Today’s new rules will require servicers to redouble their efforts to work to prevent avoidable foreclosures. The rules will:

    • Give borrowers a meaningful opportunity to pursue loss mitigation options. As borrowers exit forbearance, they need time to process their current options and consider next steps. As such, to ensure that borrowers can pursue foreclosure avoidance options, servicers must meet temporary special procedural safeguards before initiating foreclosures for certain mortgages through the end of the year.
    • Allow mortgage servicers to help borrowers faster. Under the new temporary rule, servicers can offer streamlined loan modifications to borrowers with COVID-19-related hardships without making borrowers submit all the paperwork for every possible option. These streamlined loan modifications cannot increase borrowers’ payments and have other protections built into them. With this flexibility, servicers can get borrowers into affordable mortgage payment plans faster, with less paperwork for both the servicer and the borrower.
    • Tell borrowers their options. Servicers will be required to increase their outreach to borrowers before initiating foreclosure and tell borrowers key information about their repayment or other options when they communicate with borrowers who are exiting forbearance or struggling to make mortgage payments.

    With these rule changes in place, homeowners exiting forbearance will have the time and support to make the decision that best fits their individual and family needs. Generally, borrowers will have at least three options to bring their mortgages current and avoid foreclosure. Borrowers may:

    • Resume regular mortgage payments. Servicers can move a borrower’s missed payments to the end of the mortgage, commonly called “deferral.”
    • Lower their monthly mortgage payments. Loan modifications can change the interest rate, principal balance, or length of the mortgage.
    • Sell their homes. For homeowners with sufficient equity, a sale may be a possibility. However, long-term forbearance may have significantly eroded borrowers’ equity, and home prices may dip if the market is inundated with home sales.

    In some cases, foreclosures are not avoidable. Under the CFPB’s rule, foreclosures will be able to start if the borrower:

    • Has abandoned the property;
    • Was more than 120 days behind on their mortgage before March 1, 2020;
    • Is more than 120 days behind on their mortgage payments and has not responded to specific required outreach from the mortgage servicer for 90 days; or
    • Has been evaluated for all options other than foreclosure and there are no available options to avoid foreclosure.

    Today’s rule changes are part of the CFPB’s strong partnership with the broader administration to help consumers and foster a smooth and equitable recovery in the housing market. Over the coming months, the CFPB will be working alongside other federal agencies to ensure an orderly transition to the post-pandemic housing market. The CFPB will significantly increase outreach to borrowers to share information about mortgage options, through direct contact as well as working with mortgage servicers and media.

    The CFPB offers extensive consumer resources, including information on how to contact HUD-approved housing counseling agencies, online at www.consumerfinance.gov/housing. Homeowners should reach out to their mortgage servicers as soon as possible to discuss their options. Difficult decisions await many homeowners, and the earlier they begin thinking about the future and engaging with servicers, the better homeowner outcomes will be.

    Read the final rule .

    Read the executive summary .

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    The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit www.consumerfinance.gov.

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    CFPB Orders Navy Federal Credit Union to Pay $28.5 Million for Improper Debt Collection Actions

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    Credit Union Used False Threats to Collect Debts and Placed Unfair Restrictions on Account Access

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    WASHINGTON, D.C. – Today the Consumer Financial Protection Bureau (CFPB) took action against Navy Federal Credit Union for making false threats about debt collection to its members, which include active-duty military, retired servicemembers, and their families. The credit union also unfairly restricted account access when members had a delinquent loan. Navy Federal Credit Union is correcting its debt collection practices and will pay roughly $23 million in redress to victims along with a civil money penalty of $5.5 million.

    “Navy Federal Credit Union misled its members about its debt collection practices and froze consumers out from their own accounts,” said CFPB Director Richard Cordray. “Financial institutions have a right to collect money that is due to them, but they must comply with federal laws as they do so.”

    Navy Federal Credit Union is a federal credit union based in Vienna, Va. As a credit union, it offers a wide range of consumer financial products and services, including deposit accounts and loans. Membership in the credit union is limited to consumers who are, or have been, U.S. military servicemembers, Department of Defense civilian employees or contractors, government employees assigned to Department of Defense installations, and their immediate family members. It is the largest credit union in the country, with more than $73 billion in assets as of December 2015.

    The CFPB investigation found that Navy Federal Credit Union deceived consumers to get them to pay delinquent accounts. The credit union falsely threatened severe actions when, in fact, it seldom took such actions or did not have authorization to take them. The credit union also cut off members’ electronic access to their accounts and bank cards if they did not pay overdue loans. Hundreds of thousands of consumers were affected by these practices, which occurred between January 2013 and July 2015. The practices violated the Dodd-Frank Wall Street Reform and Consumer Protection Act. Specifically, the CFPB found that Navy Federal Credit Union:

    • Falsely threatened legal action and wage garnishment: The credit union sent letters to members threatening to take legal action unless they made a payment. But in reality, it seldom took any such actions. The CFPB found that the credit union’s message to consumers of “pay or be sued” was inaccurate about 97 percent of the time, even among consumers who did not make a payment in response to the letters. The credit union’s representatives also called members with similar verbal threats of legal action. And the credit union threatened to garnish wages when it had no intention or authority to do so.
    • Falsely threatened to contact commanding officers to pressure servicemembers to repay: The credit union sent letters to dozens of servicemembers threatening that the credit union would contact their commanding officers if they did not promptly make a payment. The credit union’s representatives also communicated these threats by telephone. For members of the military, consumer credit problems can result in disciplinary proceedings or lead to revocation of a security clearance. The credit union was not authorized and did not intend to contact the servicemembers’ chains of command about the debts it was attempting to collect.
    • Misrepresented credit consequences of falling behind on a loan: The credit union sent about 68,000 letters to members misrepresenting the credit consequences of falling behind on a Navy Federal Credit Union loan. Many of the letters said that consumers would find it “difficult, if not impossible” to obtain additional credit because they were behind on their loan. But the credit union had no basis for that claim, as it did not review consumer credit files before sending the letters. The credit union also misrepresented its influence on a consumer’s credit rating, implying that it could raise or lower the rating or affect a consumer’s access to credit. As a furnisher, the credit union could supply information to the credit reporting companies but it could not determine a consumer’s credit score.
    • Illegally froze members’ access to their accounts: The credit union froze electronic account access and disabled electronic services for about 700,000 accounts after consumers became delinquent on a Navy Federal Credit Union credit product. This meant delinquency on a loan could shut down a consumer’s debit card, ATM, and online access to the consumer’s checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts.

    Enforcement Action

    Pursuant to the Dodd-Frank Act, the CFPB has the authority to take action against institutions or individuals engaging in unfair or deceptive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the order, Navy Federal Credit Union is required to:

    • Pay victims $23 million: The credit union is required to pay roughly $23 million in compensation to consumers who received threatening letters. Most will be eligible for redress if they received one of the deceptive debt collection letters and they made a payment to the credit union within 60 days of that letter. In addition, all consumers who received the letter threatening to contact their commanding officer will receive at least $1,000 in compensation. The credit union will contact consumers who are eligible for compensation.
    • Correct debt collection practices: The credit union must create a comprehensive plan to address how it communicates with its members about overdue debt. This includes refraining from any misleading, false, or unsubstantiated threats to contact a consumer’s commanding officer, threats to initiate legal action, or misrepresentations about the credit consequences of falling behind on a Navy Federal Credit Union loan.
    • Ensure consumer account access: Navy Federal Credit Union cannot block its members from accessing all their accounts if they are delinquent on one or more accounts. The credit union must implement proper procedures for electronic account restrictions.
    • Pay a $5.5 million civil money penalty: Navy Federal Credit Union is required to pay a penalty of $5.5 million to the CFPB’s Civil Penalty Fund.

    The Navy Federal Credit Union consent order can be found at: https://files.consumerfinance.gov/f/documents/102016_cfpb_NavyFederalConsentOrder.pdf

    The CFPB advises all servicemembers to know their rights when a debt collector calls. They should know that a debt collector can't tell their chain of command that they owe a debt, threaten them with prosecution under the Uniform Code of Military Justice, or threaten to revoke their security clearance. More information, including how to access sample letters to respond to a debt collector, is available at: https://files.consumerfinance.gov/f/CFPB-Servicemembers-Know-Your-Rights-Handout-Debt-Collection.pdf

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    The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit www.consumerfinance.gov.

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    CFPB Releases Online Tool to Help Renters and Landlords Access Federal Assistance

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    New resource helps renters and landlords find state and local programs distributing federal rental assistance funds

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    WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) today released an online tool to help renters and landlords impacted by the pandemic easily find and apply for payment assistance for rent, utilities and other expenses. The Rental Assistance Finder, available at www.consumerfinance.gov/renthelp, connects renters and landlords with the state and local programs that are distributing billions of dollars in federal assistance nationwide to help renters stay housed during the pandemic.

    “Millions of people are behind on their rent and at risk of eviction as a result of the pandemic,” said CFPB Acting Director Dave Uejio. “The Rental Assistance Finder will make it easier for renters and landlords to locate the financial assistance available in their area. People across the country are already receiving billions of dollars in assistance, and with this new tool we hope even more renters and landlords will take advantage of this emergency relief. This money is a win-win for both landlords and renters and a better outcome for all than costly, needless evictions.”

    The CFPB will conduct a demonstration of the Rental Assistance Finder tool via Webex. Below are the details:

    According to a CFPB analysis of Census Household Pulse Survey data from June 23–July 5, 16 percent of adults living in households who rent said they are currently behind on their payments. Of adults living in households behind on rent, 49 percent, or approximately 3.6 million of them say that eviction in the next two months is somewhat or very likely.

    As part of an unprecedented economic recovery effort, the federal government has allocated more than $46 billion to assist households unable to pay rent, utilities, and other housing costs. All 50 states and hundreds of local, tribal, and other programs are distributing funds. The CFPB’s Rental Assistance Finder tool will make it easier for renters and landlords to connect with rental assistance programs in their area, and take the first steps toward accessing available funds.

    The CFPB is working closely with partners across the federal government to provide homeowners and renters the resources they need, including information to understand their rights and protections. Along with the U.S. Departments of Agriculture, Housing and Urban Development, Treasury, Veterans Affairs, and the Federal Housing Finance Agency, the CFPB has created consumerfinance.gov/housing, which serves as the federal government’s one-stop, go-to resource for up-to-date information on relief options, protections, and key deadlines.

    The CFPB has taken other actions to support renters during COVID-19, including a joint statement with then-FTC Acting Chair Rebecca Kelly Slaughter promising to monitor illegal eviction activity, an interim final rule detailing illegal debt collection practices in connection with evictions during the pandemic, and a bulletin explaining Fair Credit Reporting Act obligations related to the reporting of rental and eviction information during the pandemic, including particularly the treatment of rental assistance payments.

    Access the Rental Assistance Finder.

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    The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit www.consumerfinance.gov.

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    CFPB Report: Renters at Risk as COVID-19 Safety Net Ends

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    Stimulus Checks and Other Payment Relief Linked to Renters’ Financial Stability

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    WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) today released a report warning that millions of renters and their families may suffer previously avoided economic harms of the COVID-19 pandemic as federal and state relief programs end. The report, “Financial conditions for renters before and during the COVID-19 Pandemic,” finds that some government relief efforts likely helped maintain the financial stability of renters and their families, suggesting that many may be at risk as those programs expire. The report, which compared homeowners and renters, found that, on average, renters’ economic conditions were significantly more responsive to relief measures such as stimulus payments and changes in unemployment benefits. When these programs end, renters and their families may be at heightened risk. The findings in today’s report will help inform the CFPB’s ongoing work to support renters and their families.

    “Today’s report confirms that renters, when compared to homeowners, are more likely to be Black or Hispanic, more likely to have lower incomes, and more likely to be women. They are also at particular risk of falling further behind as the nation recovers from the economic impacts of COVID,” said CFPB Acting Director Dave Uejio. “Past recessions and depressions have seen communities of color and low-income communities of all races and ethnicities left behind when the broader economy recovers. We cannot repeat that history. The CFPB is committed to helping renters and their families thrive. We must amplify and protect the modest gains renters made during the pandemic to ensure this nation’s full and equitable recovery from COVID-19.”

    Using the CFPB’s Making Ends Meet survey and consumer credit data, CFPB researchers found that financial conditions faced by renters and homeowners were divergent before the pandemic, with renters generally experiencing more financial vulnerability than homeowners. Renters therefore had more to gain from some pandemic relief efforts than homeowners. They also could have more to lose from the termination of relief.

    Comparing renters and homeowners, researchers found:

    • Compared to homeowners, renters are more likely to be Black or Hispanic, are younger, and have lower incomes. Prior to the pandemic, average credit scores among renters were 86 points lower than those of homeowners with a mortgage, and 106 points lower than those homeowners who reported paying no mortgage. Renters’ Financial Well-Being Scores were nearly 8 points lower than those of homeowners with a mortgage, and more than 13 points lower than homeowners who reported paying no mortgage.
    • Renters’ debt obligations also differed considerably from those of homeowners before the pandemic. In June 2019, renters were more likely than homeowners to have student debt and to have used some form of alternative financial service, such as payday, pawn shop, or auto-title loans.
    • During the pandemic, despite poor labor market conditions, renters’ financial conditions, on average, appeared to improve as much as, or more than, those of homeowners. Renters’ credit scores grew by 16 points during the pandemic, compared to 10 points for mortgagors and 7 points for other homeowners, for example. However, renters’ credit scores, though improved, remained substantially below those of homeowners, even accounting for the modest improvements of renters’ credit scores.
    • Renters’ financial conditions throughout the pandemic have been more responsive to changes in government financial assistance than those of homeowners. Delinquency, credit card use, and credit card debt among renters rose and fell in conjunction with stimulus payments and changes in federal unemployment benefits, while homeowners’ delinquency, credit card use, and credit card debt remained comparatively stable.
    • Among renters, some credit outcomes among groups who qualified for targeted pandemic relief appeared to be more responsive to policy changes than those among other groups. For example, credit scores among renters with student debt leapt 40 points during the first months of the pandemic. Additionally, delinquency rates among renters with children saw a considerable decline following stimulus payments during the pandemic (dropping from 42.1% to 34.4%), perhaps reflecting that stimulus payments could be larger depending on the presence of children in the family.

    As government pandemic financial supports end, renters are in danger of falling further behind the broader national recovery. Renters represent over 30% of U.S. households, and their welfare is critical to the welfare of the larger economy and the communities in which we live. As part of its work to support an equitable economic recovery, the CFPB has reminded credit reporting agencies and furnishers of their obligations to report rent payments and evictions accurately. Accurate reporting is now even more essential with the new mortgage underwriting process announced by Fannie Mae last week, which will add rental payments to the evaluation process for mortgage qualification and approval. The CFPB will use today’s report to inform how best to support an equitable recovery for renters and all Americans.

    Read the CFPB’s full report, “Financial conditions for renters before and during the COVID-19 Pandemic.”

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    The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit www.consumerfinance.gov.

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    CFPB Takes Action to Prevent Avoidable Foreclosures

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    Agencies Will Examine for Compliance with COVID-19 Protections

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    WASHINGTON, D.C. — Today, the Consumer Financial Protection Bureau (CFPB), jointly with other government agencies, announced a return to enforcement of critical protections for families and homeowners. Those protections, put in place in the wake of the Great Recession to prevent another foreclosure crisis, give families the chance to find alternatives to foreclosure before losing their home. With the majority of the over one million remaining COVID-19 forbearances expected to end before the end of the year, struggling homeowners will need these protections to avoid foreclosure.

    “Failures by mortgage servicers and regulators worsened the impact of the economic crisis a decade ago,” said CFPB Director Rohit Chopra. “Regulators have learned their lesson, and we will be scrutinizing servicers to ensure they are doing all they can to help homeowners and follow the law."

    Most homeowners make their monthly mortgage payment to a mortgage servicer. Mortgage servicers collect the payments on behalf of the entity that owns the loan and are hired and fired by that entity, not the homeowner. Homeowners cannot shop for a new servicer, no matter how badly they are mistreated. As a result, borrowers cannot exercise market power to discipline mortgage servicers and, absent government intervention, have no defense against a servicer’s abuse of market dominance.

    The CFPB issued the joint statement with the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and state financial regulators. The statement makes clear that the agencies will apply their respective supervisory and enforcement authorities to protect homeowners and address any compliance failures. The joint statement provides that a previous joint statement issued in April 2020, which stated that the agencies would relax supervisory and enforcement oversight with respect to certain requirements in Regulation X, will no longer apply. The agencies believe that the servicers have had adequate time to adjust their operations to comply with the timelines and other requirements of Regulation X and servicers will now be expected to fully comply with the rules.

    The CFPB also released a report summarizing its work to help struggling homeowners and avert another foreclosure crisis. This work includes:

    • Conducting prioritized assessments, or targeted supervisory reviews, designed to obtain real-time information from mortgage services due to the elevated risk of consumer harm because of the pandemic.
    • Reminding servicers that “unprepared is unacceptable,” and that servicers need to dedicate enough resources and staff to ensure they can communicate clearly with homeowners, effectively assist borrowers, and reduce avoidable foreclosures during the surge in forbearance exits this fall.
    • Implementing temporary procedural safeguards to help ensure that borrowers have time before foreclosure to explore their options, including loan modifications and selling their homes.
    • Analyzing consumer complaint data about mortgage servicing and mortgage forbearances.
    • Conducting additional, targeted review of high-risk complaints related to COVID-19 forbearance.
    • Analyzing and publishing mortgage servicers’ COVID-19 pandemic response.
    • Conducting original research documenting that Black and Hispanic communities, and low-income communities across racial and ethnic groups are at increased risk of another foreclosure crisis due to the disproportionate concentration of mortgage forbearances and delinquencies in those communities;
    • Creating an online housing hub website at www.consumerfinance.gov/housing, in partnership with other federal agencies, to connect homeowners, renters and landlords with information about CARES Act assistance and protections.
    • Creating and distributing homeowner outreach materials, in English and other languages, that servicers and housing counselors can use to help homeowners affected by the COVID-19 pandemic.
    • The CFPB will continue to monitor closely the performance of mortgage servicers to prevent avoidable foreclosures to the maximum extent possible and will not hesitate to take supervisory or enforcement action if warranted.

    Read the CFPB report: “Mortgage Servicing Effort in Response to the COVID-19 Pandemic”

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    The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit consumerfinance.gov.

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    CFPB Takes Steps to Improve Checking Account Access

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    CFPB Concerned that Screening Inaccuracies and Lack of Account Options are Keeping Consumers Out of the Banking System

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    WASHINGTON, D.C. — Today the Consumer Financial Protection Bureau (CFPB) is taking steps to improve checking account access amidst Bureau concerns that consumers are being sidelined by the lack of account options and by inaccurate information used to screen potential customers. Today the CFPB sent a letter to the 25 largest retail banks encouraging them to make available and widely market lower-risk deposit accounts that help consumers avoid overdrafting. The CFPB also issued a bulletin warning banks and credit unions that failure to meet accuracy obligations when they report negative account histories to credit reporting companies could result in Bureau action. And finally, the CFPB is providing consumers with resources to help navigate the deposit account system.

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    “Consumers should not be sidelined out of the basic banking services they need because of the flaws and limitations in a murky system,” said CFPB Director Richard Cordray. “People deserve to have more options for access to lower-risk deposit accounts that can better fit their needs.”

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    Almost nine out of 10 American households have at least one checking account, and many also maintain a savings account. In recent decades, technology has made it possible for consumers to access funds in their accounts in a variety of ways. More and more banks have also introduced automated overdraft programs. As these changes have occurred, banks have placed greater emphasis on screening new applicants for potential risks that may arise if a consumer exceeds his or her account balance.

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    One way that banks and credit unions screen account applicants for risk is to use information provided by checking account reporting companies, which have databases of information on involuntary closures of consumer checking accounts supplied by banks and credit unions. In October 2014, the CFPB laid out concerns about the information accuracy of these reports, people’s ability to access the reports and dispute incorrect information, and the ways in which the reports were being used.

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    Today, the CFPB is warning banks and credit unions of their obligations when reporting. And while some banks and credit unions currently offer products that help consumers avoid overdrafts and other risks, the CFPB is also encouraging the industry more broadly to provide account options for consumers so they are less likely to overspend their funds.

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    Lower-Risk Deposit Accounts

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    Today the CFPB sent a letter to the nation’s top 25 retail banking companies urging them to do more to create or promote deposit accounts designed to meet consumers’ financial needs. The CFPB is urging banks and credit unions to offer consumers accounts that do not authorize them to spend money they don’t have. Separately, the CFPB is weighing what additional consumer protections are necessary for overdraft and related services. Among today’s CFPB recommendations:

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    • Offer lower-risk products: Today the CFPB is encouraging banks and credit unions to offer products that are designed not to authorize overdrafts and that do not charge overdraft fees. A number of institutions have introduced “no-overdraft” accounts and offer them alongside more common checking account products. However, in a recent CFPB review of the top retail banking websites, the CFPB found nearly half do not appear to offer any deposit account that ensures consumers can’t overspend. Such a product would give consumers an opportunity to choose an account that helps them avoid overdrafting.
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    • Advertise the lower-risk products: The CFPB is concerned that even when companies have these accounts available, consumers don’t know about them. So the CFPB is also urging banks and credit unions to feature such products prominently in their marketing efforts, their online and in-store checking account menus, and during sales consultations.
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    The letter sent to the financial institutions is available at: https://files.consumerfinance.gov/f/201602_cfpb_letter-to-banks-on-lower-risk-accounts.pdf

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    Screening Accuracy Improvements

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    The bulletin issued by the CFPB today warns banks and credit unions that they must have systems in place regarding accuracy when they pass on information, such as negative account histories, to checking account reporting or other credit reporting companies. The consumer reporting companies focused on checking accounts typically generate reports on charge-off amounts, past non-sufficient funds activity, unpaid or outstanding bounced checks, overdrafts, involuntary account closures, and fraud.

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    The CFPB is concerned about inaccuracies and inconsistent information provided by the financial institutions to the reporting companies. In a recent Supervisory Highlights, the CFPB noted that examiners found that one or more financial institutions failed to “establish and implement reasonable written policies and procedures regarding the accuracy of the deposit account information provided to the consumer reporting companies.” Examiners also found that at least one entity violated its federal obligation to handle consumer disputes about these issues.

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    Banks and credit unions should expect accurate information from checking account reporting companies to make fair assessments of deposit account applicants. If the system is tainted with incomplete, inconsistent, and inaccurate information, banks and credit unions cannot make informed decisions.

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    The bulletin is available at: https://files.consumerfinance.gov/f/201602_cfpb_supervisory-bulletin-furnisher-accuracy-obligations.pdf

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    Empowering Consumers to Navigate the System

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    The CFPB is also releasing resources to encourage consumers to shop for lower-risk checking and prepaid accounts that will not authorize them to exceed their account balances. These products can help consumers maintain their accounts longer, and the banks and credit unions that offer them are often more accepting in their screening practices. The resources include tips and information about choosing an account and managing an account.

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    The CFPB also released a consumer advisory to help people know what to do if they have been denied a deposit account or have an involuntary account closure. The CFPB is concerned that most consumers are unaware of what to do if they are rejected by a bank; and most are probably unaware of the screening system that provided the information to the bank about their checking-account profile. A consumer who had an account closed and goes to open a new account at another institution may be equally unaware of how this screening information will be used to judge his or her account application. Today’s advisory tells consumers:

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    • How to obtain a copy of their checking account history: If a bank or credit union makes its decision to deny a new account based on negative reporting, the bank or credit union is required to provide the consumer with the source. The consumer should contact that source and has the right to obtain a free copy of his or her consumer report.
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    • How to dispute items with the consumer reporting company: If the consumer thinks the information provided by the checking account reporting company is inaccurate, he or she should file a dispute with the company. The company is required to conduct a reasonable investigation. The CFPB is providing a sample letter to help consumers dispute the inaccurate information with the checking account reporting company.
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    • How to dispute items with a bank or credit union that reported inaccurate information: If the consumer thinks some of the information on the consumer report is inaccurate, then he or she also should contact the financial institution that reported it, such as his or her old bank. The consumer can then request a correction. Federal law requires financial institutions to promptly correct inaccurate information. The CFPB is releasing a sample letter that consumers can use to contact a financial institution to dispute inaccurate information.
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    • To shop around for lower-risk products: Consumers can shop around to find banks or credit unions that offer accounts without features like overdraft, many of which are available despite prior negative account history. Prepaid products are also a viable option for consumers looking to ensure they only spend the money they have.
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    The guide to select a lower-risk account can be found at: https://files.consumerfinance.gov/f/201602_cfpb_consumer-guide-to-selecting-a-lower-risk-account.pdf

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    The guide to manage your checking account can be found at: https://files.consumerfinance.gov/f/201602_cfpb_consumer-guide-to-managing-your-checking-account.pdf

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    The consumer advisory about being denied a checking account can be found at: https://files.consumerfinance.gov/f/201602_cfpb_consumer-guide-to-being-denied-a-checking-account.pdf

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    The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit www.consumerfinance.gov.

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    Prepared Remarks of CFPB Enforcement Director Eric Halperin on the TransUnion Enforcement Actions

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    Good morning, and thank you all for being here today.

    Trans Union is one of the three nationwide consumer reporting agencies. This special position affords them significant power over the lives of consumers, because their core business is to collect and maintain data and credit account information on more than 200 million Americans, and to sell consumer credit reports, which are used to make important decisions regarding consumers’ creditworthiness. As such, credit reporting agencies have a responsibility to ensure that consumers’ personal data is accurate and secure. Credit reporting agencies function as gatekeepers, and no one should be barred from housing or be at risk of identity theft because a company fails to follow the law.

    Trans Union collects data about consumers’ payment histories, debt loads, maximum credit limits, names and addresses of current creditors, and other elements of their credit relationships. Consumer credit reports are used in a variety of ways, including by lenders evaluating whether or not to extend credit. TransUnion Rental Screening Solutions has also provided reports to thousands of landlords and property management companies to use as rental background checks in making rental decisions. Theses rental background checks are essentially a dossier of information on a consumer collected from many sources, including public records, many of which Trans Union purchases from third parties like LexisNexis. Therefore, the accuracy and security of credit reports and rental background reports generated by Trans Union have serious implications for consumers’ financial well-being, people’s ability to find housing, and the economy more broadly.

    Joint Law Enforcement Action on Rental Background Checks

    Today, the CFPB together with our close partner, the Federal Trade Commission, took action against TransUnion Rental Screening Solutions and its parent company, Trans Union, for failing to ensure the rental background checks that landlords use to make rental decisions were accurate and withholding information renters needed to correct inaccurate information. The CFPB and FTC filed a proposed order, which if the court enters, would require the companies to stop their illegal tenant screening practices, and pay $11 million in consumer redress as well a $4 million penalty.

    Today’s joint complaint alleges that TransUnion Rental Screening Solutions’ failure to follow reasonable procedures to assure maximum possible accuracy resulted in its providing rental background checks with incorrect and misleading information. TransUnion Rental Screening Solutions received numerous consumer disputes about the eviction records contained in its rental background checks but failed to take meaningful action.

    Inaccurate and outdated information in rental background checks can significantly interfere with consumers’ ability to find housing and harms them by, for example, leading to prolonged housing searches, additional application fees, time and money spent correcting errors, higher rental payments, temporary housing costs, and denial of housing. The cost of housing is the biggest expense for most families. An unfair denial of rental housing has effects beyond just the loss of rental application fees—it means losing out on the opportunity to live in a person’s preferred neighborhood, the neighborhood that that makes sense for them in terms of schools, work, and more; and it may mean having to pay even more for housing down the line.

    The complaint alleges, among other things, that:

    • TransUnion Rental Screening Solutions’ procedures caused renters’ eviction histories to appear more problematic than they actually were;
    • TransUnion Rental Screening Solutions’ reports did not update or even accurately report on the outcome of eviction cases, including when the case was dismissed; and
    • TransUnion Rental Screening Solutions failed to follow reasonable procedures to prevent including sealed eviction cases in rental background checks.

    In many instances, TransUnion Rental Screening Solutions only corrected its procedures after the FTC had notified TransUnion of the pending investigation.

    The proposed order includes injunctive relief that will result in a significant improvement in how TransUnion Rental Screening Solutions reports evictions. For example, the company will be required to develop, implement, and follow written procedures reasonably designed to prevent the inclusion in tenant screening reports of any eviction proceeding that does not have a final outcome and to prevent the company from reporting multiple filings for a single eviction action. No tenant screening report should make a consumer’s eviction history appear more problematic than it actually is.

    In addition, as the CFPB has previously highlighted, there are widespread industry problems in the use of rental background check reports. Some companies are using black box algorithms to produce a renter’s “risk score” or make a recommendation to a landlord. Such scores or recommendations can conceal inaccurate data from scrutiny. That is why it is more important than ever to ensure that companies are reporting accurate data and disclosing sources of that data.

    We thank the FTC for their partnership in stopping this unlawful conduct.

    CFPB Law Enforcement Action on Security Freezes and Locks

    Today the CFPB is also separately ordering TransUnion and two of its subsidiaries to pay $8 million for failing to timely place and remove security freezes and locks on credit reports of tens of thousands of consumers who requested them.

    For years, consumers have had a right under state law to obtain a security freeze from the nationwide consumer reporting companies, and since 2018, federal law has required that the consumer reporting industry provide these freezes to consumers as a free service. Freezes are an important tool for consumers to protect themselves from identity theft and fraud.

    But for tens of thousands of consumers, TransUnion failed to timely place or remove security freezes and locks on their credit reports—it was only after the CFPB informed TransUnion that it was going to conduct an exam of its security freezes that TransUnion cleared its backlog of nearly 40,000 unfulfilled requests. Trans Union also unlawfully failed to exclude thousands of individuals, including active-duty military personnel and other potential victims of identity theft, from pre-screened solicitation lists.

    Prior Actions Against TransUnion Conglomerate

    In addition to today’s actions, the CFPB has taken additional actions against TransUnion. In 2017, the CFPB settled charges with TransUnion and its subsidiaries for deceptively marketing credit scores and credit-related products, including credit monitoring services. The CFPB sued TransUnion, two of its subsidiaries, and a longtime executive in April 2022. The CFPB’s 2022 suit, which is ongoing, involves allegations that TransUnion used deceptive marketing to trap consumers into recurring payments for products in violation of the CFPB’s 2017 order against TransUnion and the Consumer Financial Protection Act.

    CFPB’s Actions Addressing Credit Reporting

    Today’s actions reinforce the importance of holding law breakers accountable—and being ever diligent in ensuring that entities within our authority are following the law.

    The CFPB has done a lot to address problems in the credit reporting industry and to protect consumer data. We’ve issued an advisory opinion affirming that it is illegal to use sloppy identity matching practices that result in false data, as well as an advisory opinion to reaffirm the Fair Credit Reporting Act’s confidentiality requirements, underscoring it is illegal to provide data on the wrong person. Last year, the CFPB issued guidance reinforcing it can be a violation of the prohibition on unfair acts or practices to have insufficient data protection or security for sensitive consumer data. The CFPB has issued additional guidance making clear it is illegal to report facially false junk data on consumers. And last year, the CFPB issued guidance making clear that consumer reporting companies need to take consumers’ dispute rights more seriously.

    Finally, the CFPB is committed to policing the consumer financial market. In the last two years, the CFPB has filed or resolved about 55 enforcement actions on behalf of consumers through final orders and obtained orders requiring over $7.8 billion total in consumer relief and penalties.

    We also are committed to continued partnering with state and other federal partners such as the FTC. Together we can pursue meaningful remedies—including redress for consumers and strong injunctive relief—against actors engaged in the most significant consumer harm.

    Thank you and I’d like to turn it over to my friend Sam Levine at the FTC. Thank you Sam for your partnership.

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    The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. For more information, visit www.consumerfinance.gov.

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    Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, on the Final Guidance Regarding Climate-related Risks

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    In October 2021, Secretary of the Treasury Janet Yellen convened the Financial Stability Oversight Council to issue a report to address climate-related risk throughout the financial system . This report laid out a series of recommendations and considerations to address these risks. Today’s guidance document builds on this effort.

    Climate change is real. Private industry and governments around the world are preparing for how climate change will erode, degrade, or otherwise threaten our economic infrastructure, including our roads, railways, energy transmission lines, power grids, communications networks, and more.

    Equally as important is the resilience of our financial system. We are already seeing certain cracks in the system, such as the recent mass cancellations of homeowner’s insurance policies due to climate-related risks. Banks, in particular, play an essential role for the functioning of society, and it is critical that they be able to meet the changing financing needs of their communities, and serve small businesses and households in times of stress or in the wake of a catastrophic event.

    The banking regulatory agencies have developed some commonsense principles for very large banks (those with $100 billion or more in assets) to consider when managing these climate-related risks. Well-managed banks are already taking actions consistent with this guidance.

    Over time, we should build on these principles to provide more detail. Rather than being vague or complex, I hope any future guidance and rules can embrace simplicity and bright line limits where appropriate.

    Because they are also essential parts of our financial system infrastructure, we should provide more tools and guidance to small banks that are grappling with climate-related risks, as well.

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    Statement of CFPB Director Rohit Chopra on the Financial Stability Oversight Council's Effort to Promote Market Discipline in the Shadow Banking Sector

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    + By + Rohit Chopra + – + + + + + +
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    Financial history is often cyclical. In the years following financial instability, regulators’ and policymakers’ memories fade. Families across the country don’t have that luxury. The economic and psychological damage inflicted by a crisis can linger for many years, and most people will not receive the type of extraordinary government assistance that large financial firms tend to receive.

    Congress created the Financial Stability Oversight Council, in part, to “promote market discipline, by eliminating expectations on the part of shareholders, creditors, and counterparties of such companies that the Government will shield them from losses in the event of failure.”1 More specifically, under Section 113 of the Dodd-Frank Act, the FSOC is tasked with designating systemically important nonbank financial institutions that could pose a threat to financial stability. A designated firm may be required to have more skin in the game to absorb losses, more cash on hand to mitigate the chance and impact of runs, and file “living wills” to demonstrate the firm can fail without a bailout.

    Despite the large, complex, and interconnected universe of asset managers, hedge funds, private equity firms, nonbank mortgage companies, and insurers, the FSOC currently has a total of zero shadow banks designated as systemically important. In the past few years, this has led to a perception among many market participants that our statutory authority to designate is dead letter.

    I strongly support today’s important step toward the goal of promoting market discipline. Removing the ill-advised procedural restrictions put in place in 2019 establishes a more appropriate and durable process for using the designation authority.

    This action is not just a paperwork exercise. We should now turn to implementing the guidance by evaluating whether any shadow bank meets the statutory threshold for enhanced oversight. I doubt the answer is zero. This effort should build on the work that FSOC Committees, such as the Hedge Fund Working Group and Nonbank Mortgage Task Force, have already conducted in the context of sector-wide reviews.

    The country re-learned a painful lesson in the 2008 financial crisis. Unchecked shadow banking risks can devastate households and small businesses across the country. A lax approach to these risks can also disadvantage smaller players and regulated institutions. Let’s not forget it again.

    Footnotes

    1. Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 112(a)(1)(B).
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    The Bureau

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    We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions.

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    In a market that works, the prices, risks, and terms of the deal are clear upfront so that consumers can understand their options and comparison shop. Companies all play by the same consumer protection rules and compete fairly on providing quality and service. To achieve this vision, the CFPB works to:

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    Empower

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    We create tools, answer common questions, and provide tips that help consumers navigate their financial choices and shop for the deal that works best for them.

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    Enforce

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    We take action against predatory companies and practices that violate the law and have already returned billions of dollars to harmed consumers.

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    Educate

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    We encourage financial education and capability from childhood through retirement, publish research, and educate financial companies about their responsibilities.

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    Our core functions

    The CFPB was created to provide a single point of accountability for enforcing federal consumer financial laws and protecting consumers in the financial marketplace. Before, that responsibility was divided among several agencies. Today, it’s our primary focus.

    Our work includes:

    • Rooting out unfair, deceptive, or abusive acts or practices by writing rules, supervising companies, and enforcing the law
    • Enforcing laws that outlaw discrimination in consumer finance
    • Taking consumer complaints
    • Enhancing financial education
    • Researching the consumer experience of using financial products
    • Monitoring financial markets for new risks to consumers

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    Accessibility and reasonable accommodation

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    CFPB is committed to complying with Sections 504 and 508 of the Rehabilitation Act of 1973 and with the Architectural Barriers Act of 1968. Under the Rehabilitation Act, agencies like CFPB must make sure that their programs and activities—including their educational materials, public events, and electronic and information technology (such as this website)—are accessible to people with disabilities. Under the Architectural Barriers Act, CFPB buildings and facilities must also be readily accessible to people with disabilities, including CFPB employees and applicants for CFPB employment with disabilities.

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    People with disabilities can request a "reasonable accommodation" to allow them to participate in or benefit from CFPB programs and activities that would not otherwise be accessible because of a disability. 

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    Section 508 and access to this website

    We are committed to providing an excellent user experience, regardless of disability. We frequently review this site to ensure that it meets or exceeds the requirements of Section 508 of the Rehabilitation Act , which requires that information and computer technology (ICT) be accessible to people with disabilities. Section 508 requires that ICT developed, procured, maintained, or used by the federal government be accessible to both employees and members of the public with disabilities.

    If you have general questions about CFPB’s compliance with Section 508, contact the CFPB Section 508 coordinator at CFPB_Accessibility@cfpb.gov.

    Section 504 and access to other programs and activities

    We also comply with Section 504 of the Rehabilitation Act , which requires generally that all CFPB activities and programs be accessible to members of the public with disabilities. We make sure that individuals with disabilities can participate in and enjoy the benefits of all CFPB operations and resources available to the public. This includes providing accessible educational materials and ensuring equal access to public meetings and other events.   

    • If you believe you may need a reasonable accommodation because of a disability to access CFPB educational materials, attend a CFPB public meeting or event, or enjoy any other CFPB program or activity, request one.
    • If you believe you have been unlawfully denied access to CFPB programs or activities because of a disability, learn how to file a complaint about it.

    The Architectural Barriers Act and access to CFPB facilities

    We also comply with the Architectural Barriers Act (ABA). This law helps ensure that CFPB employees, applicants for CFPB employment, and members of the public with disabilities can gain ready access to CFPB buildings and facilities. 

    If you have any questions or concerns about physical access to CFPB buildings or facilities, contact the CFPB's project manager/architect at CFPBFacilities@cfpb.gov

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    We work to ensure our pages are user-friendly, but we also use other sites and social media that may not be accessible to persons with disabilities. The resources we share on social media are available on our official site in an accessible format.

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    Accommodation requests

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    Learn how to request a reasonable accommodation to access a CFPB program or activity.

    Accessibility complaints

    Learn how to file an accessibility-related complaint.

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    + Category + + Title + + Date published +
    + + Category: + Press release + + + + CFPB Proposes New Federal Oversight of Big Tech Companies and Other Providers of Digital Wallets and Payment Apps + + + + +
    + + Category: + Director's statement + + + + Statement of CFPB Director Rohit Chopra on the Financial Stability Oversight Council's Effort to Promote Market Discipline in the Shadow Banking Sector + + + + +
    + + Category: + Press release + + + + CFPB Issues New Report on State Community Reinvestment Laws + + + + +
    + + Category: + Report + + + + State Community Reinvestment Acts: Summary of state laws + + + + +
    + + Category: + Blog + + + + Servicemembers continue to face major financial challenges + + + + +
    + + Category: + Speech + + + + Prepared Remarks of Eric Halperin, CFPB Enforcement Director, at the NCLC Consumer Rights Litigation Conference + + + + +
    + + Category: + Report + + + + The Consumer Credit Card Market + + + + +
    + + Category: + Press release + + + + CFPB Report Finds Credit Card Companies Charged Consumers Record-High $130 Billion in Interest and Fees in 2022 + + + + +
    + + Category: + Director's statement + + + + Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, on the Proposed Rule Regarding Lifetime Banking Bans for Certain Criminal Offenses + + + + +
    + + Category: + Director's statement + + + + Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, on the Final Guidance Regarding Climate-related Risks + + + + +
    + + Category: + Director's statement + + + + Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, on the Final Rule Implementing the Community Reinvestment Act + + + + +
    + + Category: + Blog + + + + Next public hearing on appraisal bias: November 1 + + + + +
    + + Category: + Speech + + + + Prepared Remarks of Deputy Director Zixta Martinez at The Greenlining Institute's 2023 Just Future Summit + + + + +
    + + Category: + Report + + + + Report of the CFPB Education Loan Ombudsman + + + + +
    + + Category: + Press release + + + + CFPB Proposes Rule to Jumpstart Competition and Accelerate Shift to Open Banking + + + + +
    + + Category: + Director's statement + + + + Prepared Remarks of CFPB Director Rohit Chopra on the Proposed Personal Financial Data Rights Rule + + + + +
    + + Category: + Press release + + + + CFPB Takes Action Against Operator of Sendwave App for Illegally Cheating People on International Money Transfers + + + + +
    + + Category: + Press release + + + + La CFPB y el Departamento de Justicia han Emitido una Declaración Conjunta afirmando que las Instituciones No Podrían Usar el Estatus Migratorio para Ilegalmente Discriminar Contra Solicitantes de Crédito + + + + +
    + + Category: + Press release + + + + CFPB and Justice Department Issue Joint Statement Cautioning that Financial Institutions May Not Use Immigration Status to Illegally Discriminate Against Credit Applicants + + + + +
    + + Category: + Speech + + + + Prepared Remarks of CFPB Enforcement Director Eric Halperin on the TransUnion Enforcement Actions + + + + +
    + + Category: + Press release + + + + Joint Statement on Fair Lending and Credit Opportunities for Noncitizen Borrowers under the Equal Credit Opportunity Act + + + + +
    + + Category: + Blog + + + + Protegemos el acceso de inmigrantes a oportunidades de crédito justas + + + + +
    + + Category: + Press release + + + + CFPB and FTC Take Actions Against TransUnion for Illegal Rental Background Check and Credit Reporting Practices + + + + +
    + + Category: + Blog + + + + Protecting Immigrant Access to Fair Credit Opportunities + + + + +
    + + Category: + Director's statement + + + + Prepared Remarks of CFPB Director Rohit Chopra on a Press Call on Junk Fees + + + + +
    + + Category: + Press release + + + + CFPB Issues Guidance to Halt Large Banks from Charging Illegal Junk Fees for Basic Customer Service + + + + +
    + + Category: + Press release + + + + CFPB Exams Return $140 Million to Consumers Hit by Illegal Junk Fees in Banking, Auto Loans, and Remittances + + + + +
    + + Category: + Report + + + + Supervisory Highlights Junk Fees Update Special Edition, Issue 31, Fall 2023 + + + + +
    + + Category: + Report + + + + Vast majority of NSF fees have been eliminated, saving consumers nearly $2 billion annually + + + + +
    + + Category: + Press release + + + + CFPB Sues Repeat Offender Freedom Mortgage Corporation for Providing False Information to Federal Regulators + + + + +
    + + Category: + Director's statement + + + + Prepared Remarks of CFPB Director Rohit Chopra at the Brookings Institution Event on Payments in a Digital Century + + + + +
    + + Category: + Press release + + + + CFPB Announces Advisory Committee Appointments + + + + +
    + + Category: + Speech + + + + Prepared Remarks of Seth Frotman, General Counsel and Senior Advisor to the Director, at New Jersey Citizen Action Education Fund’s 14th Annual Financial Justice Summit + + + + +
    + + Category: + Blog + + + + Four million complaints: More than just a milestone + + + + +
    + + Category: + Blog + + + + The law requires companies to delete disputed unverified information from consumer reports + + + + +
    + + Category: + Press release + + + + CFPB Mortgage Report Finds Jumps in Closing Costs and Denials for Insufficient Income, Growing Proportion of Cash-Out Refinances + + + + +
    + + Category: + Office of Research Publication + + + + Data Point: 2022 Mortgage Market Activity and Trends + + + + +
    + + Category: + Director's statement + + + + Statement of CFPB Director Rohit Chopra on Mortgage Market Activity and Trends + + + + +
    + + Category: + Consumer advisories + + + + Consumer advisory: People have the right to cancel credit repair services + + + + +
    + + Category: + Consumer advisories + + + + Consejos al consumidor: La Gente tiene Derecho a Cancelar Servicios de Reparación de Crédito + + + + +
    + + Category: + Press release + + + + CFPB Kicks Off Rulemaking to Remove Medical Bills from Credit Reports + + + + +
    + + Category: + Director's statement + + + + Prepared Remarks of CFPB Director Rohit Chopra on Medical Debt at a Press Call Hosted by Vice President Kamala Harris + + + + +
    + + Category: + Press release + + + + CFPB Issues Guidance on Credit Denials by Lenders Using Artificial Intelligence + + + + +
    + + Category: + Press release + + + + CFPB Report Finds College Tuition Payment Plans Can Put Student Borrowers at Risk + + + + +
    + + Category: + Op-ed + + | + + Category: + Speech + + + + Prepared Remarks of CFPB Director Rohit Chopra at the Better Markets Conference on the 15th Anniversary of the Collapse of Lehman Brothers and the Onset of the Global Financial Crisis + + + + +
    + + Category: + Op-ed + + | + + Category: + Speech + + + + Prepared Remarks of CFPB Director Rohit Chopra at The Mortgage Collaborative National Conference + + + + +
    + + Category: + Press release + + + + CFPB Orders Leasing Company Tempoe to Provide $36 Million in Penalties and Relief for Tricking Consumers and Hiding Contract Terms + + + + +
    + + Category: + Press release + + + + CFPB Report Highlights Role of Big Tech Firms in Mobile Payments + + + + +
    + + Category: + Op-ed + + | + + Category: + Speech + + + + Prepared Remarks of CFPB Director Rohit Chopra at the Federal Reserve Bank of Philadelphia’s Annual Fintech Conference + + + + +
    + + Category: + Blog + + + + As payments on federal student loans resume, federal student loan borrowers may be eligible for cancellation or lower payments + + + + +
    + + Category: + Blog + + + + Prestamistas estudiantiles federales podrían recibir cancelación o pagos más bajos + + + + +
    + + Category: + Blog + + + + Consejos para que se recupere financieramente del huracán Idalia + + + + +
    + + Category: + Blog + + + + Tips for recovering financially from Hurricane Idalia + + + + +
    + + Category: + Consumer advisories + + + + Consejos para el Consumidor: Actúe Cuando le Cancelen el Seguro de Vivienda o el Costo Suba + + + + +
    + + Category: + Consumer advisories + + + + Consumer advisory: Take action when home insurance is cancelled or costs surge + + + + +
    + + Category: + Director's statement + + + + Statement of CFPB Director Rohit Chopra Member, FDIC Board of Directors Regarding Proposals to Improve the FDIC’s Options for Managing Large Bank Failures + + + + +
    + + Category: + Press release + + + + CFPB Reaches Multibillion Dollar Settlement with Credit Repair Conglomerate + + + + +
    + + Category: + Press release + + + + Agencies to Host Roundtable on Special Purpose Credit Programs + + + + +
    + + Category: + Press release + + + + CFPB Sues Installment Lending Conglomerate for Illegally Churning Loans to Harvest Hundreds of Millions in Loan Costs and Fees + + + + +
    + + Category: + Blog + + + + Recovering financially from the Hawaii wildfires + + + + +
    + + Category: + Blog + + + + Recupérese financieramente de los incendios en Hawaii + + + + +
    + + Category: + Press release + + + + CFPB Penalizes Freedom Mortgage and Realty Connect for Illegal Kickbacks + + + + +
    + + Category: + Director's statement + + + + Remarks of CFPB Director Rohit Chopra at White House Roundtable on Protecting Americans from Harmful Data Broker Practices + + + + +
    + + Category: + Blog + + + + What we’re hearing from consumers in New Mexico + + + + +
    + + Category: + Blog + + + + Qué nos dicen los consumidores de New Mexico + + + + +
    + + Category: + Report + + + + Data Spotlight: Trends in reverse mortgage direct mail advertising + + + + +
    + + Category: + Press release + + + + CFPB Sues USASF Servicing for Illegally Disabling Vehicles and for Improper Double-Billing Practices + + + + +
    + + Category: + Director's statement + + + + Statement of CFPB Director Rohit Chopra at the Financial Stability Oversight Council + + + + +
    + + Category: + Director's statement + + + + Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, Regarding the Proposal to Strengthen the Resilience of America’s Largest Banks + + + + +
    + + Category: + Blog + + + + Las dificultades financieras son más duras en Puerto Rico, que en el resto del país + + + + +
    + + Category: + Blog + + + + Financial struggles in Puerto Rico bite deeper than the rest of the United States + + + + +
    + + Category: + Blog + + + + Federal housing agencies strongly encourage landlords to provide tenants written notice of their rights + + + + +
    + + Category: + Blog + + + + Looking at credit scores only tells part of the story – cashflow data may tell another part + + + + +
    + + Category: + Press release + + + + CFPB Exams Find Unfair, Deceptive, and Abusive Practices Across a Wide Array of Consumer Financial Product Lines + + + + +
    + + Category: + Speech + + + + Prepared Remarks of Director Rohit Chopra for Community Table on White House Blueprint for a Renters Bill of Rights + + + + +
    + + Category: + Report + + + + Big Tech's Role in Contactless Payments: Analysis of Mobile Device Operating Systems and Tap-to-Pay Practices + + + + +
    + + Category: + Report + + + + Issue Spotlight: Consumer risks posed by employer-driven debt + + + + +
    + + Category: + Blog + + + + Twelve years of protecting consumers and honest businesses + + + + +
    + + Category: + Press release + + + + CFPB Report Shows Workers Face Risks from Employer-Driven Debt + + + + +
    + + Category: + Press release + + + + CFPB Sues Snap Finance for Illegally Luring Americans into Expensive Financing and Bullying Borrowers Using False Threats + + + + +
    + + Category: + Blog + + + + Что ждет Bank of America и его клиентов + + + + +
    + + Category: + Blog + + + + Qué viene a continuación para Bank of America y sus clientes + + + + +
    + + Category: + Blog + + + + Bank of America（美國銀行）及其客戶的未來展望 + + + + +
    + + Category: + Blog + + + + Tương lai dành cho Bank of America và Khách hàng của mình + + + + +
    + + Category: + Blog + + + + Bank of America 및 고객 추후 대응 + + + + +
    + + Category: + Blog + + + + What’s ahead for Bank of America and its customers + + + + +
    + + Category: + Blog + + + + Sa ki rezève pou Bank of America ak kliyan li yo + + + + +
    + + Category: + Blog + + + + Ano ang naghihintay para sa Bank of America at sa mga kostumer nito + + + + +
    + + Category: + Blog + + + + ما هو المستقبل لـ Bank of America وعملائه + + + + +
    + + Category: + Press release + + + + Joint Statement by Rohit Chopra, Director of the United States Consumer Financial Protection Bureau, and Didier Reynders, Commissioner for Justice and Consumer Protection of the European Commission + + + + +
    + + Category: + Press release + + + + State Partners and CFPB Sue Prehired For Illegal Student Lending Practices + + + + +
    + + Category: + Blog + + + + Office of Research blog: Initial Fresh Start program changes followed by increased credit scores for affected student loan borrowers + + + + +
    + + Category: + Blog + + + + Ensuring consumers receive critical lending protections + + + + +
    + + Category: + Press release + + + + CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts + + + + +
    + + Category: + Speech + + + + Prepared Remarks of Director Rohit Chopra for the CFPB Hearing on Medical Billing and Collections + + + + +
    + + Category: + Press release + + + + CFPB, U.S. Department of Health and Human Services, and U.S. Department of Treasury Launch Inquiry into Costly Credit Cards and Loans Pushed on Patients for Health Care Costs + + + + +
    + + Category: + Blog + + + + Distribuiremos más de $3.5 millones entre los consumidores a quienes les cobraron tarifas ilegales para reducir o eliminar sus préstamos estudiantiles federales + + + + +
    + + Category: + Blog + + + + CFPB to distribute more than $3.5 million to consumers who were charged illegal fees to reduce or eliminate their federal student loans + + + + +
    + + Category: + Blog + + + + The CFPB's 2022 Fair Lending Annual Report to Congress + + + + +
    + + Category: + Press release + + + + FFIEC Announces Availability of 2022 Data on Mortgage Lending + + + + +
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    Administrative adjudication proceedings

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    Administrative adjudication proceedings are formal adversarial proceedings conducted by an administrative law judge, who issues a recommended decision to the CFPB director. The director issues a final decision, either adopting or modifying the administrative law judge’s recommended decision.  

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    The Bureau initiates an administrative adjudication proceeding by filing a Notice of Charges alleging a violation of a consumer protection statute. Unlike cases filed in federal court, administrative adjudication proceedings take place before an administrative agency tribunal. An administrative law judge presides over administrative adjudication proceedings in a fair, impartial, and expeditious manner and has a role similar to that of a trial judge. These proceedings operate in a manner similar to bench trials in federal district courts, although administrative adjudication proceedings have some differences including their evidentiary rules. The Office of Administrative Adjudication (OAA) maintains the official public record of all administrative proceedings. Proceedings are conducted in accordance with the Rules of Practice for Adjudication Proceedings.

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    Our docket

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    The docket includes all public documents filed in administrative proceedings before the Office of Administrative Adjudication. 

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    Forms and information for parties of administrative proceedings

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    Access forms and further information about the administrative adjudication process and proceedings before the administrative law judge.  

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    Administrative law judges

    Administrative law judges (ALJs) serve as independent, impartial triers of fact in formal proceedings requiring a decision on the record. Administrative law judges conduct formal hearings involving cases where all interested parties are given advance notice of a hearing; an opportunity to submit facts, arguments, offers of settlement, or proposals of adjustment; and an opportunity to be accompanied, represented, and advised by counsel or other qualified representatives. Administrative law judges at the Bureau are not subject to the supervision or direction of, or responsible to, any officer, employee, or agent engaged in the performance of investigative or prosecuting functions for the Bureau. Administrative law judges are appointed for life under the Administrative Procedure Act, 5 U.S.C. § 500 et seq., through a procedure administered by the Office of Personnel Management. Administrative law judges have complete judicial independence from the Bureau.

    Administrative law judge authority

    The authority of United States administrative law judges comes from the Administrative Procedure Act of 1946 (APA), 5 U.S.C. § 500 et seq. The APA is designed to guarantee the decisional independence of administrative law judges and ensure fairness in administrative proceedings before federal government agencies.

    All direction and questions by the Bureau to the administrative law judge concerning any adjudication proceeding must appear in and be a part of the record. 12 C.F.R. § 1081.105(b). Administrative law judges are not rated by, evaluated, or given bonuses for their performance by any official of the Bureau. Bureau officials may not interfere with administrative law judges’ decision making, and administrative law judges may be discharged only for good cause established based upon a complaint filed with the Merit Systems Protection Board (MSPB) and determined after an APA hearing on the record before an MSPB judge.

    Administrative law judge powers

    The powers of an administrative law judge include the power:

    1. To administer oaths and affirmations
    2. To issue subpoenas, subpoenas duces tecum, and protective orders, and quash or modify any such subpoenas or orders
    3. To take depositions or cause depositions to be taken
    4. To receive and rule upon the admission of evidence
    5. To regulate the course of a proceeding and the conduct of parties and their counsel
    6. To rule on the admissibility and confidentiality of written submissions
    7. To conduct conferences for settlement, simplification of issues, or any other proper purpose
    8. To inform parties of the availability of alternative means of dispute resolution and encourage use of such methods
    9. To certify questions to the director for his or her determination in accordance with the rules of practice for adjudication proceedings
    10. To consider and rule upon all procedural and other motions
    11. To issue and file recommended decisions
    12. To recuse himself or herself as necessary
    13. To issue sanctions against parties or their counsel as necessary
    14. To do all other things necessary and appropriate to discharge the duties of a presiding hearing officer

    12 C.F.R. § 1081.104

    Representing parties before an administrative law judge

    • Attorneys: Any attorney in good standing of the bar of the highest court of any State may represent a party in an administrative adjudication proceeding if such attorney is not currently suspended or debarred from practice before the Bureau or by a court of the United States or of any State.
    • Non-attorneys: So long as such individual is not currently suspended or debarred from practice before the Bureau:
    1. An individual may appear on his or her own behalf
    2. A member of a partnership may represent the partnership
    3. A duly authorized officer of a corporation, trust, or association may represent the corporation, trust, or association
    4. A duly authorized officer or employee of any government unit, agency, or authority may represent that unit, agency, or authority

    • Any individual acting as counsel on behalf of a party shall file a notice of appearance.

    12 C.F.R. § 1081.107

    Ex parte communications

    Ex parte communications with the administrative law judge are not allowed. An ex parte communication is any material oral or written communication relevant to the merits of an adjudication proceeding that is not made on the record or with reasonable prior notice to all the parties that takes place between interested persons not employed by the Bureau and the administrative law judge, director, or a decisional employee. A request for status of the proceeding does not constitute an ex parte communication. If an ex parte communication is received, its content shall be placed on the record of the proceeding. All parties shall be informed and have an opportunity to file responses thereto and recommend appropriate sanctions.

    12 C.F.R. § 1081.110

    Rules of evidence

    Generally, evidence that is relevant, material, reliable, and not unduly repetitive is admissible in administrative hearings. Relevant evidence may be excluded, however, if its probative value is substantially outweighed by the danger of unfair prejudice or confusion of the issues; if it would be misleading; or based on considerations of undue delay, waste of time, or needless presentation of cumulative evidence. Evidence that constitutes hearsay may be admitted if it is relevant, material, and bears satisfactory indicia of reliability. Evidence that would be admissible under the Federal Rules of Evidence is admissible. Evidence that would be inadmissible under the Federal Rules of Evidence may not be deemed or ruled to be inadmissible solely on that basis. Official notice may be taken of any material fact that is not subject to reasonable dispute in that it is either generally known or capable of accurate and ready determination by resort to sources whose accuracy cannot reasonably be questioned.

    A party is entitled to present its case or defense by sworn oral testimony and documentary evidence, to submit rebuttal evidence, and to conduct cross-examination as, in the discretion of the administrative law judge, may be required for a full and true disclosure of the facts.


    Please Note

    The Office of Administrative Adjudication is not authorized to receive or act upon consumer complaints about consumer financial products or services. Consumer complaints can be submitted online or by calling the CFPB toll-free at 855-411-CFPB (2372); TTY/TDD Phone 855-729-CFPB (2372).

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    + A telemarketer took money from my checking account even though I did not agree to buy anything. Can I get the money back? +

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    Contact your bank or credit union immediately. You should tell your bank or credit union you never authorized this payment. You should also ask the bank or credit union to reverse the debit.

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    If the check was processed as an electronic transfer such as an ACH payment, you have additional protections under federal law.

    In addition, the FTC Telemarketing Sales Rule requires any seller to get verifiable authorization (unless you pay by credit card or debit card), which means the telemarketer must get either a written authorization from you or a tape-recorded oral authorization. If the telemarketer chooses written authorization, it must send you a written confirmation of the transaction by first class mail and let you know of the procedures to receive a refund.

    You may also have state law protections.

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    If you report a lost or stolen credit card before it +is used, the card company cannot hold you responsible for any unauthorized +charges.

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    If there is unauthorized use of your card before you report it missing, the most you will owe for unauthorized charges on the card is $50. Many cardholder agreements say you are not responsible for any charges in this circumstance.

    If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use.


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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-take-my-social-security-or-va-benefits-en-1157/index.html b/www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-take-my-social-security-or-va-benefits-en-1157/index.html new file mode 100644 index 000000000000..1a818e4ca071 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-take-my-social-security-or-va-benefits-en-1157/index.html @@ -0,0 +1,1478 @@ + + + + + + + Can a debt collector take my federal benefits, like Social Security or VA payments? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Can a debt collector take my federal benefits, like Social Security or VA payments? +

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    Generally no, debt collectors aren’t allowed to take money you receive from Social Security or VA directly from your bank account or prepaid card. Before that is possible, they have to take legal action and you’ll be notified.

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    Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. This is called garnishment.

    The key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card.

    Money from these government programs is protected:

    • Social Security benefits
    • Supplemental Security Income (SSI) benefits
    • Veteran’s benefits
    • Civil service and federal retirement and disability benefits
    • Servicemember pay
    • Military annuities and survivor benefits
    • Federal student aid
    • Railroad retirement benefits
    • Financial assistance from the Federal Emergency Management Agency (FEMA)

    Your bank or credit union must automatically protect two months' worth of benefits

    When your bank receives a court order to garnish money in your account, your bank must look at your account history to see if you received federal benefits by direct deposit in the last two months. Two months’ worth of benefits are protected and remain in your account for you to use.

    • For example: If you receive $1,000 in Social Security each month, your bank has records showing $2,000 in Social Security was direct deposited in the last two months. The bank must allow you to use up to $2,000 in the account.
    • However, if you receive Social Security or VA benefits by check and then deposit the check into your bank account, the bank does not have to protect two months’ worth of benefits in the account. This means that your entire account balance could be frozen and you’ll need to go to court to prove that it comes from protected federal benefits and should not be garnished.

    The debt collector is permitted to garnish money in your account that is over two months’ worth of benefits. If your account has more than two months’ worth of benefits, your bank can garnish or freeze the extra money.

    • For example: If you receive $1,000 in Social Security benefits by direct deposit each month, and you have $3,000 in your account, the bank can turn over $1,000 of the $3,000 to a debt collector. The bank must give you access to the remaining $2,000 so you can continue to pay bills and withdraw cash as usual.
    • The bank is allowed to charge you a processing fee for the garnishment in this situation.

    However, if the extra money is also exempt from garnishment under federal or state law, you may be able to go to court to have your money released.

    Garnishment to pay government debts, child support, or spousal support

    Social Security and Social Security Disability Insurance (SSDI) can sometimes be garnished to pay money you owe to the government, such as back taxes or federal student loans, and money you owe for child or spousal support.

    Some benefits, such as Supplemental Security Income (SSI), are protected from garnishment – even to pay a government debt or child or spousal support.

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    Using the courts to release money after garnishment

    If your bank garnishes or freezes money in your account, you must be sent a notice of garnishment. The notice explains the court procedures for claiming exemptions from garnishment and getting your money released.

    A judge decides whether your money should be turned over to the debt collector, based on factors such as the source of your income and any federal or state exemptions.

    It is very important for the judge to know that your money comes from Social Security, SSI, VA, or other federal or state benefits before the judge decides whether your money should be turned over to the debt collector. You should notify the court, the bank, and the person or business that is garnishing your account immediately in writing, and seek help from a lawyer .

    Consider finding legal help in your state

    You may qualify for free legal help. You can find your local legal services program or attorney referral program here .

    The Eldercare Locator connects older Americans and their caregivers with trustworthy local support resources, including free legal aid for many older adults. You can use the Eldercare Locator to find services in your area or call 1-800-677-1116.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/can-i-cancel-a-money-transfer-en-1737/index.html b/www.consumerfinance.gov/ask-cfpb/can-i-cancel-a-money-transfer-en-1737/index.html new file mode 100644 index 000000000000..21d8174c9b5a --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/can-i-cancel-a-money-transfer-en-1737/index.html @@ -0,0 +1,1465 @@ + + + + + + + Can I cancel a money transfer? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    You may be able to cancel a money transfer but it depends on the circumstances. If you would like to cancel a transfer, review your contract and receipt, and contact the company immediately.

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    If you sent money internationally, you have the right to cancel the transfer at no cost if it meets certain conditions:

    • You used a remittance transfer provider to send a remittance transfer, as defined under federal law.
    • The money hasn’t been deposited or picked up by the recipient, and you paid for the transfer less than 30 minutes ago. Or, if you scheduled the transfer in advance, you can cancel the transfer up to three business days before it is made.

    In some cases, state law or the transfer provider’s own rules may give you more time to cancel a transaction.

    If you received a receipt for your transfer, it should generally state what your cancellation period is.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/can-i-cash-a-check-at-any-bank-or-credit-union-en-931/index.html b/www.consumerfinance.gov/ask-cfpb/can-i-cash-a-check-at-any-bank-or-credit-union-en-931/index.html new file mode 100644 index 000000000000..eaad1fd5aa2b --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/can-i-cash-a-check-at-any-bank-or-credit-union-en-931/index.html @@ -0,0 +1,1470 @@ + + + + + + + Can I cash a check at any bank or credit union? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Can I cash a check at any bank or credit union? +

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    No, a bank or credit union is not obligated to cash the check. If you go to a bank or credit union where neither you nor the person writing the check has an account, the bank or credit union will often refuse to cash the check.

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    However, many banks or credit unions will cash a check if: 

    • It is written by one of their account holders,
    • There is money in the account to cover the check,
    • The check is not more than 6 months old, 
    • You are the payee shown on the face of the check, and
    • You show proper ID. 

    The bank or credit union might charge a fee if you don’t have an account with them.

    The bank or credit union where you have your checking account may allow you to cash a check from another bank or credit union. However, it might require you to first deposit the check into your own account. If you deposit the check in your checking account, the funds will usually be available in one or two business days.

    Some banks and credit unions do provide fee-based check cashing services, including to consumers that do not have an account with the bank or credit union and who are presenting third-party checks.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/can-i-get-a-checking-account-without-a-social-security-number-en-929/index.html b/www.consumerfinance.gov/ask-cfpb/can-i-get-a-checking-account-without-a-social-security-number-en-929/index.html new file mode 100644 index 000000000000..62e833f9f341 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/can-i-get-a-checking-account-without-a-social-security-number-en-929/index.html @@ -0,0 +1,1478 @@ + + + + + + + Can I get a checking account without a social security number? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Can I get a checking account without a social security number? +

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    You are not required to have a social security number to open a checking or savings account.

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    To open a checking or savings account, the bank or credit union will need to verify your name, date of birth, address, and ID number. An ID number can be a social security number or an Individual Taxpayer Identification Number (ITIN). To get an ITIN, you will need to fill out a form with the Internal Revenue Service (IRS) .

    If you don’t have a U.S. government-issued SSN or ITIN, some banks and credit unions will accept a passport number and country of issuance, an alien identification card number, or other government-issued ID number.

    Visit different banks and credit unions to find out what types of accounts they offer, and what types of ID numbers they accept.

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    + Still have questions about bank accounts and services? +

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    Whether you’re choosing or using bank or credit union accounts, here are resources to help you understand your options.

    View our resources

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/can-my-credit-card-company-change-the-terms-of-my-account-en-70/index.html b/www.consumerfinance.gov/ask-cfpb/can-my-credit-card-company-change-the-terms-of-my-account-en-70/index.html new file mode 100644 index 000000000000..b3e042b414bd --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/can-my-credit-card-company-change-the-terms-of-my-account-en-70/index.html @@ -0,0 +1,1465 @@ + + + + + + + Can my credit card company change the terms of my account? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Can my credit card company change the terms of my account? +

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    The credit card company has the right to change the terms of your credit card agreement. For significant changes, the card issuer generally must give you notice 45 days in advance. 

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    Significant changes generally include increases in certain interest rates and fees, increases to the minimum amount due, or changes to the grace period or the way interest is calculated. You might not receive notice 45 days in advance  about changes to the benefits you get from your credit card, such as points or cash rewards, or changes in the brand (for example, changing from Visa to MasterCard or vice versa) because these changes are generally not considered to be significant.

    There are restrictions on what changes the card company can make. For example, card companies generally cannot increase the interest rate you pay on existing balances, except in certain circumstances. 

    For many changes, you have the right to opt out of the newly changed terms. However, if you opt out, the card company might close your account. If your account is closed, you do not have to pay the balance in full immediately after the account is closed, but you are still responsible for making payments until the balance is paid in full. Depending on the card company’s policies, your minimum payment may increase. The amount of the new payment cannot be more than the amount needed to pay the balance off in five years or double your prior minimum periodic payment, whichever is higher.

    Note: Closing your account may negatively affect your credit score because closing the account will lower the amount of available credit you have and increase the percentage of available credit you are using.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/does-my-mortgage-servicer-have-to-help-me-avoid-foreclosure-en-1803/index.html b/www.consumerfinance.gov/ask-cfpb/does-my-mortgage-servicer-have-to-help-me-avoid-foreclosure-en-1803/index.html new file mode 100644 index 000000000000..246878ff5a31 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/does-my-mortgage-servicer-have-to-help-me-avoid-foreclosure-en-1803/index.html @@ -0,0 +1,1541 @@ + + + + + + + Does my mortgage servicer have to help me avoid foreclosure? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Many mortgage servicers have to work with you to see if you qualify for ways to avoid foreclosure. Your servicer may refer to this as loss mitigation.

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    If you’ve missed payments on your mortgage loan, your mortgage servicer generally must:

    • Try to contact you directly within the first 36 calendar days after you become delinquent.
    • Send you a written notice with both a description of examples of loss mitigation options that may be available to help you avoid foreclosure  and also application instructions or information about how to get more information about those options, if applicable. Your servicer has to send this no later than 45 calendar days after you become delinquent on your loan.

    Your servicer also must have policies and procedures in place so that they can assign people to be your point of contact within 45 calendar days after you become delinquent on your loan. The people assigned to help you should:

    • Be reachable by phone
    • Respond to your inquiries 
    • Give you accurate information about available loss mitigation options to avoid foreclosure and how to pursue those options, including actions you must take to submit a loss mitigation application
    • Have information about any loss mitigation application you have submitted

    If you have a problem with your mortgage, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-can-i-get-a-refund-on-a-product-or-service-i-purchased-with-my-credit-card-en-1969/index.html b/www.consumerfinance.gov/ask-cfpb/how-can-i-get-a-refund-on-a-product-or-service-i-purchased-with-my-credit-card-en-1969/index.html new file mode 100644 index 000000000000..60587678c116 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-can-i-get-a-refund-on-a-product-or-service-i-purchased-with-my-credit-card-en-1969/index.html @@ -0,0 +1,1469 @@ + + + + + + + How can I get a refund on a product or service I purchased with my credit card? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How can I get a refund on a product or service I purchased with my credit card? +

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    First, reach out to the company that sold the product or service to you. Explain the issue. Maybe the product you received was defective or you didn’t receive what you ordered. Ask the company if it will reverse the charge.

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    If you’re not satisfied with the merchant’s response, you may be able to dispute the charge with your credit card company and have the charge reversed. This is sometimes called a chargeback. Contact your credit card company to see whether you can dispute a charge.

    Note: You may be able to assert a billing error to the credit card company, for example, if you did not receive what you ordered. 

    Regardless of whether you can assert a billing error, you also may have other rights against the card issuer, for example, if the goods or services you accepted turn out to be defective. If you’ve only paid part of a bill for a service or product purchased with the card, you may have the right not to pay the remaining amount that is due. To be considered for this, all of the following generally must be true:

    • You must have first tried in good faith to resolve the issue with the merchant who sold you the product or service.
    • You must have made your purchase in your home state or within 100 miles of your home address.
    • The price of the service or product must have been more than $50.
    • You must have used your credit card to pay for the purchase.
    • You must not yet have fully paid for the product or service.
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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-can-i-protect-myself-and-others-i-care-about-from-fraud-and-scams-en-1935/index.html b/www.consumerfinance.gov/ask-cfpb/how-can-i-protect-myself-and-others-i-care-about-from-fraud-and-scams-en-1935/index.html new file mode 100644 index 000000000000..753e1667bb78 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-can-i-protect-myself-and-others-i-care-about-from-fraud-and-scams-en-1935/index.html @@ -0,0 +1,1483 @@ + + + + + + + How can I protect myself and others I care about from fraud and scams? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How can I protect myself and others I care about from fraud and scams? +

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    There are several steps you can take to protect yourself and others from fraud and scams.

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    Criminals and con artists use many scams to target unsuspecting people who have access to money. Consumer scams happen on the phone, through the mail, e-mail, or over the internet. They can occur in person, at home, or at a business.

    Here are some tips to protect yourself from scams:

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    • Don’t share numbers or passwords for accounts, credit cards, or
      Social Security.
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    • Never pay up front for a promised prize. It’s a scam if you are told that you must pay fees or taxes to receive a prize or other financial windfall.
      • +
    • After hearing a sales pitch, take time to compare prices. Ask for information in writing and read it carefully.
      • +
    • Too good to be true? Ask yourself why someone is trying so hard to give you a “great deal. If it sounds too good to be true, it probably is.
      • +
    • Watch out for deals that are only “good today” and that pressure you to act quickly. Walk away from high-pressure sales tactics that don’t allow you time to read a contract or get legal advice before signing. Also, don’t fall for the sales pitch that says you need to pay immediately, for example by wiring the money or sending it by courier.
      • +
    • Put your number on the National Do Not Call Registry. Go to www.donotcall.gov or call (888) 382-1222.
      • +
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    Take a look at other Ask CFPB questions regarding financial scams or check the FTC’s website to stay up-to-date on the most recent scams.

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    For more information, take a look at this guide that provides more information and tips to help prevent common scams and other types of elder financial exploitation. If you manage someone else’s money, take a look at this information to help you understand your duties as a financial caregiver, and what to do to protect the person you care for from scams.

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    Financial accounts and billing statements
    Look closely for charges you did not make. Even a small charge can be a danger sign. Thieves sometimes will take a small amount from your checking account and then return to take much more if the small debit goes unnoticed.

    +

    Credit reports
    Review your free credit reports from each of the three major credit bureaus. If an identity thief is opening financial accounts in your name, these accounts may show up on your credit report. Look for:

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    • Inquiries from companies you’ve never contacted
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    • Accounts you didn’t open
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    • Wrong amounts on your accounts
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    Warning: Don’t ignore bills from people you don’t know. A bill on a debt you never borrowed may be an indication that someone else has opened an account in your name. Contact the creditor to find out.

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    If you have a problem with credit reporting, you can submit a complaint.

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    + How can I tell a credit repair scam from a reputable credit counselor? +

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    There are counselors who can help you with your credit report, and others who take your money but don’t help you. Warning signs for credit repair scams include companies that ask you to pay before providing services. The company may claim that it can guarantee a specific increase in your credit score or get rid of negative credit information in your credit report, even though the information is accurate and current.

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    Recognizing a credit repair scam

    Warning signs for credit repair scams include companies that ask you to pay before providing services. A credit repair scam company may also tell you it can guarantee a specific increase in your credit score or get rid of negative credit information in your credit report, even though the information is accurate and current.

    If you see ads or receive offers to repair or fix your credit, it could be a warning sign if the company:

    • Pressures you to pay up-front fees. The company wants you to pay before it provides any services. A simple rule to follow is “Don’t pay upfront.” Under the federal Credit Repair Organizations Act, credit repair companies can’t request or receive payment until they’ve completed the services they’ve promised. Some companies will structure monthly payment plans to try to avoid this requirement. You should know that all forms of upfront payment before services are completed are illegal.

      If the company is telemarketing, the federal Telemarketing Sales Rule may apply. When telemarketing, credit repair services must meet certain requirements before they can charge for their services. First, the company cannot request a fee until after the date that the company said it would provide the goods or services. Also, the company must give you a consumer report showing the results, and the report must be generated more than six months after the results were claimed to have been achieved. Only then can the company charge you fees or accept your payment. If a credit repair organization violates this law, you may have a right to sue.
    • Promises to remove negative information from your credit report. The company tells you it can get rid of negative credit information, even if that information is accurate and current. No one can do this.
    • Requests you dispute accurate information in your credit report. The company advises you to dispute all the information in your credit report, even if it is correct and timely.
    • Refuses or avoids explaining your rights to you. The company doesn’t tell you your rights and what you can do for yourself for free. Disputing errors in your credit reports is a free legal right available to you under the Fair Credit Reporting Act. You don’t need to pay a credit repair organization to do it for you. Also, if you have just signed up for a credit repair service, you have the right to cancel your contract with the company for any reason within three business days at no charge to you.
    • Tells you to not contact credit reporting companies. The company recommends that you don’t contact any of the nationwide credit reporting companies directly.

    Credit repair companies are subject to numerous federal laws, including the Credit Repair Organizations Act and often the Telemarketing Sales Rule, both of which forbid credit repair organizations from using deceptive practices and from accepting up-front fees. These laws prohibit many deceptive practices by credit repair organizations.

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    How do I find a reputable credit counselor?

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    Most credit counselors offer services through local offices, online, or on the telephone. You can find a list of approved credit counselors online.

    Once you've developed a list of potential counseling agencies, check them out with your State Attorney General’s office, and local consumer protection agency.

    Finally, ask the credit counseling agency for free information about their services and what they provide. A reputable credit counseling agency should be willing to send you free information about itself and the services it provides without requiring you to provide any details about your situation. If a service doesn’t do that, consider it a red flag and go elsewhere for help.

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    Can you repair credit yourself?

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    Use our sample letters, video , and answers to common questions to help with resolving problems. Turn to our online guides and tools for information on how to dispute inaccurate information on your credit reports along with ways to improve your credit scores.

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    If you're having trouble with credit reports and scores, you can submit a complaint with the CFPB.

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    Look out for common signs of financial exploitation.

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    Common signs include:

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    • Money is missing from your loved one's account.
      • +
    • The person you care for says some money or property is missing.
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    • The person is afraid or seems afraid of a relative, caregiver, or friend.
      • +
    • A relative, caregiver, friend, or someone else keeps your loved one from having visitors or phone calls, does not let her speak for herself, or seems to be controlling her decisions.
      • +
    • You notice sudden changes in your loved one’s spending or savings. For example, your loved one is:
      • +
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      • Withdrawing money from accounts without explanation
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      • Wiring large amounts of money
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      • Using the ATM a lot
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      • Not paying bills that are usually paid
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      • Buying things or services she doesn’t usually buy
        • +
      • Adding names on bank or other accounts that you do not recognize or that the account holder is unwilling or unable to explain
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      • Not receiving  account statements or bills
        • +
      • Giving new or unusual gifts to family members or others, such as a “new best friend"
        • +
      • Changing beneficiaries of a will, life insurance policy, or retirement funds
        • +
      • Allowing a caregiver, friend, or relative to begin handling her money
        • +
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    +Learn more about what to do if you suspect financial exploitation.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-a-charge-on-my-credit-card-bill-en-61/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-a-charge-on-my-credit-card-bill-en-61/index.html new file mode 100644 index 000000000000..8b766a9aa4f6 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-a-charge-on-my-credit-card-bill-en-61/index.html @@ -0,0 +1,1474 @@ + + + + + + + How do I dispute a charge on my credit card bill? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    To dispute a charge on your credit card bill, you should call the card company and let them know about the problem right away. 

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    In order to protect your rights you must also send a written billing error notice to the card company within 60 calendar days after the charge appeared on your statement. If you already paid the charge that you’re disputing, you can still dispute it. But you probably won’t get the money back until the credit card company has decided that you were right.

    If the card company finds you are correct, the charge must be removed from your bill.  If the card company says that you are incorrect and the bill is correct, the card company must tell you why in writing. It must also tell you how much you owe and when your payment is due.

    Note: You may have to go through a different dispute process if you use a credit card to pay for goods or services that turn out to be defective.


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    You have the right to dispute errors on your credit report. Fixing an error generally means contacting both the credit reporting company and the company that provided the information.

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    + How to dispute an error on your credit report +

    +
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    + First, dispute the information with the credit reporting company or companies +

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    If you identify an error on your credit report, you should start by disputing that information with the credit reporting company (Experian, Equifax, and/or Transunion). You should explain in writing what you think is wrong, why, and include copies of documents that support your dispute. You can also use our instructions and template letter as a guide.

    If you mail a dispute, your dispute letter should include:

    • Contact information for you, including your complete name, address, and telephone number
    • Credit report confirmation number, if available
    • Each error you want fixed, including the account number for any account you may be disputing
    • Clear explanation of why you are disputing the information
    • Request that the information be removed or corrected
    • A copy of the portion of your credit report that contains the disputed items, with the disputed items circled or highlighted
    • Copies (not originals) of documents that support your position

    You can choose to send your dispute letter by certified mail and ask for a return receipt, so that you have a record that your letter was received.

    You can contact the nationwide credit reporting companies online, by mail, or by phone:

    Equifax

    Online: www.equifax.com/personal/credit-report-services/credit-dispute/

    By mail: Download the dispute form
    Mail the dispute form with your letter to:

    Equifax Information Services LLC
    P.O. Box 740241
    Atlanta, GA 30374

    By phone: Call the phone number shown on your credit report or call (866) 349-5191

    Experian

    Online: www.experian.com/disputes/main.html

    By mail: Use the address provided on your credit report or mail your letter to:

    Experian
    P.O. Box 4500
    Allen, TX 75013

    By phone: Call the phone number shown on your credit report or call (888) 397-3742

    TransUnion

    Online: dispute.transunion.com

    By mail: Download the dispute form
    Mail the dispute form with your letter to:

    TransUnion Consumer Solutions
    P.O. Box 2000
    Chester, PA 19016-2000

    By phone: (800) 916-8800, Monday – Friday 8 a.m. 11 p.m. ET, Saturday and Sunday 8 a.m. – 5 p.m. ET.

    Keep copies of your dispute letter and the documents you send with it.

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    + Then, dispute the information with the company that provided it to the credit reporting companies +

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    Credit reporting companies gather information about you from other companies (called furnishers). Examples of furnishers include your bank, your landlord, and your credit card company. To dispute the information a company provided to the credit reporting company, you can use our sample letter as a guide.

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    + What happens after you send in your dispute +

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    The credit reporting company investigates

    The credit reporting company you sent the dispute letter to must investigate your dispute, forward copies of relevant documents to the company that provided the information about you, and report the results back to you.

    A credit reporting company is not required to take action about disputes that are frivolous. The company must send you a notice explaining that it has decided the dispute is frivolous, and the notice must be sent within five business days after it made the decision.

    The information furnisher makes corrections and notifies all the credit reporting companies

    After correcting information about you, the information furnisher is responsible for notifying all the credit reporting companies about the corrected information. Then, the credit reporting companies update your credit reports.

    The information furnisher might determine the information about you is accurate and should not be updated or removed. In that case, you can contact the credit reporting companies again and ask them to include a statement explaining the dispute in your credit reports. The statement is then added to your file and provided to whomever requests your credit report in future.

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    + Still have questions about credit reports and scores? +

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    Find resources to help you better understand them, learn how to correct errors, and improve your credit record over time.

    View our resources

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    + How do I dispute an error or request information about my mortgage? +

    +
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    If you think your mortgage servicer has made an error or you need information about your mortgage loan, you can call or write a letter to your servicer. You may get more protections if you write a letter.

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    Your servicer may be able to help you over the phone. See your monthly mortgage statement or coupon book for the phone number. However, to guarantee yourself a timely written response, you should write to your servicer and send it to the address provided by the servicer for such requests.

    Sample Letters

    • Sample letter to help you write your mortgage servicer to explain an error. This document also provides some additional information about disputing an error with your servicer.
    • Sample letter to help you write your mortgage servicer to request information. This document also provides some additional information about requesting information from your servicer.

    If you submit a letter, remember:

    • To include your name, home address, and mortgage account number. Use the name that is on your mortgage.
    • To identify the error or information. Tell your servicer exactly what error you believe occurred, or what information you’re requesting.
    • Not to write your letter on your payment coupon or other payment form. You might not get the same protections.
    • To mail the letter to the right address. A mortgage servicer may use a special address for borrowers to send requests to correct errors or request information. You generally should be able to find this address in a notice from your servicer, on your monthly mortgage statement or coupon book, on your servicer’s website, or by calling your servicer. If your servicer uses a special address, you must send the letter to that address.

    Tip: While you’re waiting for a response, you should continue making your mortgage payments as scheduled.

    Your mortgage servicer’s response

    Your mortgage servicer must send you a letter informing you that it received your letter within five days (not including weekends and legal public holidays) of receiving your letter. Generally, your mortgage servicer must respond with an answer to the error or information request within 30 days (not including weekends and legal public holidays). 

    If you’re disputing an error, your servicer can:

    • Correct the error and confirm the correction in writing
    • Investigate the error and provide you a written notice explaining why it has found that no error occurred and how you can find out more 
    • Ask for additional information
    • Inform you in writing that it will seek an additional 15 days (not including weekends and legal public holidays) to investigate and respond to your notice of error

    If the error you are writing about has to do with the servicer improperly starting the foreclosure process, moving for a foreclosure judgement or order of sale, or conducting a foreclosure sale, then generally the servicer must respond to your notice of error before the foreclosure sale.

    If you’re requesting information, your servicer can:

    • Provide the requested information in writing
    • Search for the information and provide you a written notice explaining that the requested information is not available, and give you contact information for more help
    • Inform you in writing that it will seek an additional 15 days (not including weekends and legal public holidays) to respond to your request

    If you have a problem with your mortgage, you can submit a complaint online or by calling (855) 411-CFPB (2372).

    You can also reach out to a housing counselor. Use the CFPB's "Find a Counselor" tool to get a list of counseling agencies approved by the Department of Housing and Urban Development (HUD). You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673)

    If you’re facing imminent foreclosure or have been served with legal papers, you may also need to consult an attorney.  

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    + How do I get a debt collector to stop calling or contacting me? +

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    You have the right to tell a debt collector to stop contacting you. If you ask a debt collector to stop all contact – regardless of the communications channel – the collector must stop. Keep in mind, though, that you may still owe the debt.

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    If you don't want a debt collector to contact you again, write a letter to the debt collector saying so. We have sample letters that you can use to respond to a debt collector who is trying to collect a debt.

    The CFPB’s Debt Collection Rule requires debt collectors to provide certain information when they first communicate with you, or shortly after, which will often be contained in a letter called a validation notice. This notice includes information about the debt and the debt collector, as well as a “tear off” form with checkboxes you can fill out to dispute or request more information about the debt. If the debt collector provides a way for you to submit the letter electronically, you can do that instead of sending a letter by mail.

    Once a debt collector receives your letter requesting they stop contacting you, they’re not allowed to communicate with you again except to:

    • Tell you there will be no further contact
    • Advise you that they or the creditor may take other specific actions they’re legally allowed to take, such as filing a lawsuit against you

    Keep in mind that it’s important that you respond to the debt collector in writing, even if they provide the validation information over the phone or through email. If you’re disputing the debt, it’s also important to do it immediately, even before you insist that they stop contacting you.

    Debt collectors may still collect even if they can’t contact you

    Stopping communication with a debt collector doesn’t make the debt go away. In fact, they may find alternative ways to collect it from you. For example, they can file a lawsuit against you or report negative information to a credit reporting company, although that won’t always happen.

    If you believe you don’t owe the debt or it isn’t accurate, you can write to tell the debt collector to provide further evidence. If you notify the debt collector in writing that you dispute the debt within 30 days of receiving a validation notice, the debt collector must stop trying to collect the debt until they’ve provided you with verification in response to your dispute.

    You may also have questions about whether they are collecting a debt that isn’t yours or trying to collect an improper amount, and you can consider consulting an attorney that specializes in these types of cases to learn more about your rights and options.

    Learn more about what may happen if you ignore or avoid a debt collector.

    Keep good records of your communications with a debt collector

    If you’re being contacted by a debt collector, it’s important to keep a record of any letters, documents, or communications they send to you. Write down dates and times of conversations, along with notes about what you discussed. These records can help you if you’re disputing the debt, meeting with a lawyer, or going to court.

    If you send the debt collector a letter, make a copy and send the original to the debt collector. It’s also generally a good idea to send the letter by certified mail. If you pay for a "return receipt," you also will have proof the debt collector received your letter. You may also send the letter electronically. Just be sure to keep a copy.

    Also, be careful what you say to a debt collector because they will keep records as well. They can track any information you provide, including personal information or if you apologize or admit to owing the debt. Those statements could be used against you.

    What to do if a debt collector is violating the law

    If the collector continues to contact you after receiving a written notice to stop or after you’ve told them you have a lawyer and have provided the lawyer’s contact information, they are likely violating the Fair Debt Collection Practices Act (FDCPA).

    You can sue the debt collector for violating the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorney's fees and may also have to pay you damages.

    Learn more about the laws that limit what a debt collector can say or do

    If you're having trouble with debt collection, you can submit a complaint with the CFPB.

    Learn more about debt collection

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    + How do I get a free copy of my credit reports? +

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    You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.

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    Where can I get a credit report?

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    You can request and review your free report through one of the following ways:

    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

    You can request all three reports at once or you can order one report at a time. By requesting the reports separately (for example, one every four months) you can monitor your credit report throughout the year. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $14.50 for a credit report.

    You may be able to view free credit reports more frequently online. When you visit AnnualCreditReport.com , you may see steps to view your updated credit reports at no cost, online. This gives you a greater ability to monitor changes in your credit. If needed, you can also ask whether your credit report is available in your preferred language.

    You are also eligible for reports from specialty consumer reporting companies. We put together a list that includes several of these companies so you can see which ones might be important to you. You have to request the reports individually from each of these companies. Most of the companies in this list provide a report for free every 12 months. Other companies may charge you a fee for your report.

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    How can I get additional free credit reports?

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    You can get additional free reports if any of the following apply to you:

    • You received a notice that you were denied credit, insurance, or employment or experienced another “adverse action” based on a credit report. In this case, you have a right to a free report from the credit reporting company identified in the notice. To get the free report you must request it within 60 days after you receive the notice. Other types of “adverse action” notices you might receive include notice of an unfavorable change in the terms or amount of your credit or insurance coverage, or unfavorable changes in the terms of your employment or of a license or other government benefit.
    • You believe your file is inaccurate due to fraud.
    • You have requested a credit report from a nationwide credit reporting company in connection with placing of an initial fraud alert on your credit file (you may request two free copies for an extended fraud alert).
    • You are unemployed and intend to apply for employment within 60 days from the date of your request.
    • You are a recipient of public welfare assistance.
    • Your state law provides for a free credit report.
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    Find resources to help you better understand them, learn how to correct errors, and improve your credit record over time.

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    + How do I get and keep a good credit score? +

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    + There is no secret formula to building a strong credit score, but there are some guidelines that can help. +

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    + Pay your loans on time, every time +

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    One way to make sure your payments are on time is to set up automatic payments, or set up electronic reminders. If you’ve missed payments, get current and stay current.

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    + Don’t get close to your credit limit +

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    Credit scoring models look at how close you are to being “maxed out,” so try to keep your balances low compared to your total credit limit. If you close some credit card accounts and put most or all of your credit card balances onto one card, it may hurt your credit score if this means that you are using a high percentage of your total credit limit. Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. You don’t need to revolve on credit cards to get a good score. Paying off the balance each month helps get you the best scores.

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    + A long credit history will help your score +

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    Credit scores are based on experience over time. The more experience your credit report shows with paying your loans on time, the more information there is to determine whether you are a good credit recipient.

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    + Only apply for credit that you need +

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    Credit scoring formulas look at your recent credit activity as a signal of your need for credit. If you apply for a lot of credit over a short period of time, it may appear to lenders that your economic circumstances have changed negatively. 

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    + Fact-check your credit reports +

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    If you spot suspected errors, dispute them. If you have old credit card accounts you are not using, keep an eye on them to make sure that an identity thief is not using them.

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    Tip: If you are new to credit, consider getting a product designed to help you establish and build credit. Financial institutions have developed an array of products and services, such as secured credit cards and credit builder loans, tailored to helping consumers new to credit to establish and build credit.   

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    + Still have questions about credit reports and scores? +

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    Find resources to help you better understand them, learn how to correct errors, and improve your credit record over time.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-get-mortgage-information-about-a-home-i-inherited-en-217/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-get-mortgage-information-about-a-home-i-inherited-en-217/index.html new file mode 100644 index 000000000000..a92e0b562f88 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-get-mortgage-information-about-a-home-i-inherited-en-217/index.html @@ -0,0 +1,1470 @@ + + + + + + + How do I get mortgage information about a home I inherited? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I get mortgage information about a home I inherited? +

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    To receive certain information about the mortgage account, you should contact the mortgage servicer. You may need to show the mortgage servicer proof of your right to the home. 

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    You should inform the loan servicer if you’ve inherited a home from someone. The mortgage servicer is the company that sends the monthly mortgage statement, responds to borrower inquiries and keeps track of principal and interest paid. 

    To receive certain information about the mortgage account, you may need to show the mortgage servicer proof of your right to the home. In the case of inheritance from someone who has died, that proof might include a copy of the executed will and the death certificate or a letter from the executor of the deceased person’s estate. The mortgage servicer should tell you what kind of proof it needs. The proof that you can get may vary from state to state.

    You also may want to ask the servicer for further information about your rights and obligations with respect to the house and the mortgage. For example, you might ask the servicer how you can continue making payments on the loan or how you can seek a loan modification.  

    You may also want to consult an attorney or a housing counselor.  You can use the CFPB's "Find a Counselor" tool to get a list of Department of Housing and Urban Development (HUD)-approved counseling agencies in your area. You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).

    If you’re facing imminent foreclosure or have been served with legal papers, you may also need to consult an attorney.  

    If you have a problem with the mortgage, you can submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372). 

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-money-back-after-i-discover-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-money-back-after-i-discover-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017/index.html new file mode 100644 index 000000000000..39bcbf2d0a18 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-get-my-money-back-after-i-discover-an-unauthorized-transaction-or-money-missing-from-my-bank-account-en-1017/index.html @@ -0,0 +1,1556 @@ + + + + + + + How do I get my money back after I discover an unauthorized transaction or money missing from my bank account? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I get my money back after I discover an unauthorized transaction or money missing from my bank account? +

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    Once you notify your bank or credit union about an unauthorized transaction (that is, a charge or withdrawal you didn’t make or allow), it generally has ten business days to investigate the issue. The bank or credit union must correct an error within one business day after determining that an error has occurred. Your bank or credit union then has three business days to report its findings to you.

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    If the unauthorized transaction was made using a debit card or other electronic fund transfer, you might have additional protections under federal law. Electronic fund transfers include ATM transactions, purchases using your debit card, some online bill payments, and payments you’ve set up to be deducted from your account automatically.

    +
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    What if I lose my debit card?

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    Let’s say you lost your debit card or it was stolen. If you notify your bank or credit union within two business days of discovering the loss or theft of the card, the bank or credit union can’t hold you responsible for more than the amount of any unauthorized transactions or $50, whichever is less. If you notify your bank or credit union after two business days, you could be responsible for up to $500 in unauthorized transactions.

    Also, if your bank or credit union sends your statement that shows an unauthorized withdrawal, you should notify them within 60 days. If you wait longer, you could also have to pay the full amount of any transactions that occurred after the 60-day period and before you notify your bank or credit union. To hold you responsible for those transactions, your bank or credit union has to show that if you notified them before the end of the 60-day period, the transactions would not have occurred.

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    What if my security code or PIN to my debit card or bank account is stolen?

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    You should notify your bank or credit union within two business days of discovering the loss or theft of your security code or PIN. By reporting the theft within two business days, you’re protected from paying for transactions over $50 charged by someone who steals and uses your security code or PIN. Never write your PIN on your debit card or keep it written down in your wallet, in case your card or wallet is lost or stolen.

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    What if someone charges my account but I have my physical debit card?

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    If an unauthorized withdrawal appears on your bank statement, but you did not lose your card, security code, or PIN or had any of them stolen, you should notify your bank or credit union right away. At the latest, you must notify your bank within 60 days after your bank or credit union sends your statement showing the unauthorized transaction. If you wait longer, you could have to pay the full amount of any transactions that occurred after the 60-day period and before you notify your bank. To hold you responsible for those transactions, your bank would have to show that if you notified them before the end of the 60-day period, the transactions would not have occurred.

    In unusual circumstances, like lengthy travel or hospitalization that keeps you from notifying the bank within the time allowed, the notification periods above must be extended.

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    How do banks investigate unauthorized transactions and how long does it take to get my money back?

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    Once you notify your bank or credit union, it generally has ten business days to investigate the issue (20 business days if the account has been open less than 30 days). The bank or credit union must correct an error within one business day after determining that an error has occurred. Your bank or credit union then has three business days to report its findings to you. After that, you have the right to request the information it used to make their decision, and the bank or credit union has to send it to you promptly.

    If the bank or credit union can’t complete its investigation within ten (or 20) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of $50, while it continues to investigate.

    In some situations, however, your bank or credit union does not have to issue a temporary credit. For example, it can require you to provide written confirmation of the error if you initially provided the information by telephone. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during its investigation.

    The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved.

    If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account.

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    + Still having trouble with a bank or credit union? +

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    Companies can usually answer questions unique to your situation and more specific to the products and services they offer. If you have a complaint, tell us about your issue—we’ll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint.

    Learn how the complaint process works

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-do-i-manage-my-monthly-mortgage-payment-en-195/index.html b/www.consumerfinance.gov/ask-cfpb/how-do-i-manage-my-monthly-mortgage-payment-en-195/index.html new file mode 100644 index 000000000000..4acd43f123b7 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-do-i-manage-my-monthly-mortgage-payment-en-195/index.html @@ -0,0 +1,1470 @@ + + + + + + + How do I manage my monthly mortgage payment? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I manage my monthly mortgage payment? +

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    Your monthly mortgage statement has information that you can use to stay on top of your mortgage payment. 

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    We’ve created a checklist to help you manage your monthly mortgage payment . The checklist also guides you through your monthly mortgage statement.

    A mortgage statement usually comes on a monthly basis. Your statement contains the following information (as well as other information):

    • Customer service contact information for your mortgage servicer
    • The amount due
    • The due date
    • Your interest rate
    • Fees and charges
    • Information about any past due payment, late fees, and how much you must pay to bring the account current if you are delinquent on your loan for more than 45 days 

    Review your statement each time it arrives. This can help you spot problems quickly. If you don’t understand something on the statement, contact your mortgage servicer using the contact information on the statement. You can also send a written request for information.

    Consider setting up automatic payments with your mortgage servicer or through your bank or credit union. This can help you stay on track.

    What to do if you get a coupon book 

    Not everyone receives a periodic mortgage statement. Some people may receive a coupon book. Servicers usually send out coupon books in the mail once a year. Coupon books usually have payment slips (“coupons”) that you tear out and return with your payment. If you receive a coupon book, it might only include the servicer’s contact information, your account information, and the amount due. You may need to contact the servicer to request other information, for example, an explanation of amount due or past payment information.

    Some servicers may not send mortgage statements or coupon books but instead may send you an email or other type of notice telling you what to pay. If you aren’t sure, contact your mortgage servicer. You can also send a written request for information.

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    + How do I negotiate a settlement with a debt collector? +

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    When negotiating with a debt collector, you should confirm whether you owe the debt, calculate a realistic payment plan, and make a repayment proposal to the debt collector.

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    + How to negotiate a settlement with a debt collector +

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    If you’re thinking about negotiating a settlement or repayment agreement with a debt collector, consider the following three steps:

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    + 1. + Confirm that you owe the debt +

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    When debt collectors contact you, they must give you certain information about the debt they say you owe or they should provide it within five days of first communicating with you. Generally, debt collectors must provide this information in writing, either in the mail or electronically.

    This validation information can help you figure out if you owe the debt and will provide information on how to dispute it if you don’t. If you’re unsure who you owe money to or how much you owe, you can request the debt collector provide more information about the debt.

    Learn more about what information debt collectors are required to provide and how to dispute a debt

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    + 2. + Calculate a realistic repayment plan +

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    Once you confirm that you owe a debt, you can pay in full or propose a repayment plan to the debt collector. If you want to make a proposal to repay this debt, here are some questions you should ask yourself:

    How much can I realistically afford to pay each month?

    First, review your current financial obligations. Write down your monthly take-home pay and your monthly expenses , including the amount you want to repay each month. Try to allow some income left over to cover unexpected expenses and emergencies. Keep in mind that falling behind on other bills, even if you’re paying off this debt, could cause you more problems. If you’re struggling, a non-profit credit counselor can help you create a budget and work with the collectors.

    What is the total amount I’m willing to pay to settle the entire debt?

    This could be one payment or a series of smaller payments. Don’t pay more than you can afford. If you have more than one debt with a debt collector, you can direct the debt collector to apply your payments to a specific debt. Debt collectors are not allowed to apply a single payment for multiple debts that you’re disputing.

    Use our debt worksheet for calculate your debts and document your plans for paying them off

    Avoid companies that charge money in advance to settle your debts for you

    Dealing with debt settlement companies can be risky. Some debt settlement companies promise more than they can deliver. Certain creditors may also refuse to work with the debt settlement company you choose. In many cases, the debt settlement company won’t be able to settle the debt for you anyway.

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    + 3. + Make a repayment proposal to the debt collector +

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    Explain your plan

    When you talk to the debt collector, explain your financial situation. You may have more room to negotiate with a debt collector than you did with the original creditor. It can also help to work through a credit counselor or attorney.

    Record your agreement

    If you agree to a repayment or settlement plan, get the plan and the debt collector’s promises in writing before you make a payment. Those promises may include stopping collection efforts and ending or forgiving the debt once you have completed the plan.

    Know your rights

    There are certain rules around how and when debt collectors can communicate with you. The FDCPA prohibits debt collectors from placing repeated or continuous telephone calls or conversations with the intent to harass, oppress, or abuse you.

    If you’re having an issue with debt collection, you can submit a complaint with the CFPB.

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    + How do I avoid scams and fraud after a disaster? +

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    To avoid scams ask questions, verify the identity of anyone trying to sell you something or asking for money, and make sure written contracts match the verbal promises that were made.

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    Scammers often try to take advantage of you during a crisis—when you may be vulnerable and looking for help. Particularly when you don’t have phone or Internet service to do research. Be on the lookout for scams like fake government employees, bogus charities, dishonest contractors, and others trying to take advantage of your situation. Recognizing the tricks that scammers use can help you spot scams more easily.

    How to spot scammers

    Ask questions 

    If the person trying to sell you a product or service can’t or won’t answer your questions, or if the paperwork doesn’t match the promises made to you, these are warning signs.

    Example questions:

    • Can I see your identification and contractor’s license?
    • Can you provide three recent recommendations from the area?
    • How long have you been in business? 

    Confirm identities 

    Con artists may pose as government employees, insurance adjusters, law enforcement officials, bank employees, or whoever it takes to get to your money. Scammers can easily fake titles and uniforms. 

    • Always ask for identification, and call the organization the person claims to work for to confirm if the person does work there.
    • Never give personal information to anyone you don’t know. 
    • Remember that government employees will never ask you for financial information such as your bank account number.

    How to avoid scams after a disaster

    Don’t make a decision under pressure 

    After a disaster, contractors as well as others, will arrive to help with home repair, debris removal, and other disaster-related assistance. Beware of contractors going door to door and people offering unsolicited “opportunities” or high-pressure tactics to force you to make a snap decision. Take your time and never sign anything without fully reading and understanding it first. 

    Don’t fall for people charging too much in times of crisis (price gouging) 

    This is when people offer “limited time only” deals or say the price of materials will rise if you don’t act now.  These are also called “scarcity tactics.” Be suspicious of anyone offering to move you to the front of the line. 

    If you believe you have been a victim of price gouging, contact your state attorney general .

    Stay up-to-date on possible scams happening in your area

    After major disasters the Federal Emergency Management Agency (FEMA) creates “Rumor Control” pages to dispel misinformation and help you protect yourself against scams. Find your local rumor control page on FEMA’s website by searching the name of the disaster you were in and ‘rumors.’ For an example, check out their Hurricane Maria and Hurricane Harvey pages. Your state attorney general may also have specific information about scams and what to do about them for your state.

    Read more information from FEMA about spotting and reporting fraud .

    Protect yourself against identity theft 

    After a disaster you may be asked to give people sensitive information, like your Social Security number. Scammers can see this as an opportunity to steal your identity. Even if you’re careful to avoid scams, you may want to protect your identity, bank account, and credit record. A federal law now allows you to freeze and unfreeze your credit record for free at the three nationwide credit reporting companies-Equifax , TransUnion , and Experian , -no matter what state you live in. Freezing your credit restricts access to your credit file for potential new creditors. This makes it harder for identity thieves to open new accounts in your name. 

    You can also put a fraud alert on your credit record for one year. A fraud alert means lenders should call you to verify your identity before extending new credit, like opening up a new credit card, or giving out a loan.

    If you’re unsure about any offer you receive, contractor you encounter, or action you’re asked to take, ask a trusted relative, friend, or an attorney for a second opinion before acting.

    Watch out for these common disaster scams

    Fake charities

    After disasters, charitable giving spikes. Scammers may create fake charities to scam people who want to help. Sometimes these scams use names that are similar to organizations you may be familiar with to get you to make a “donation.” The Federal Trade Commission has more information about donating wisely and charity scams .

    People pretending to be FEMA

    All FEMA representatives, including home inspectors, have a laminated photo ID. Don’t trust someone with just a FEMA jacket or shirt and no ID. Call FEMA at (800) 621-3362 if you’re unsure if someone is truly a FEMA representative. No FEMA, federal, or state workers will ask for or accept money. FEMA doesn’t charge for home inspections, disaster assistance, or help filling out applications. If you have any doubt that a person is a legitimate FEMA worker, don’t give them any personal information.

    Mortgage repayment/modification scams

    After a disaster, scammers may offer homeowners assistance with negotiating or delaying their mortgage payments. Generally, lenders or mortgage servicers will work with you, the homeowner, after a natural disaster and offer forbearance or other hardship options to help you avoid going into default or ending up in foreclosure. Your options should ALWAYS be discussed directly with your mortgage servicer. Contact your mortgage servicer for payment assistance and never pay anyone to negotiate with your servicer on your behalf. If you need help working with your servicer you may want to contact a housing counselor or a lawyer for assistance.

    Robocalls

    You may receive a recorded call promising government grants, flood insurance, or help with applications for assistance. Don’t respond or provide personal information or payment to these callers. They may be scams trying to get your credit card or checking account information. Go to FEMA’s disaster assistance site for information on what help is really available.

    How to/Where to report a scam

    • If you or someone you know has been a victim of a scam or fraud, here’s who you can contact:
      Make a complaint to your local police or law enforcement agency and your state attorney general
    • Report the fraud or scam to the Federal Trade Commission
    • The National Center for Disaster Fraud will investigate and prosecute fraud as well as advocate for disaster victims. You can call the Disaster Fraud Hotline at (866) 720-5721

    For more information on frauds and scams visit the Bureau’s Frauds and Scams page.

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    + How do I stop automatic payments from my bank account? +

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    You have the right to stop a company from taking automatic payments from your account, even if you previously allowed them. For example, you might decide to cancel a membership or monthly service, or you might want to switch to a different payment method.

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    + How to stop automatic debits from your account +

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    To stop automatic payments from your account, here are the steps you can take.

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    + Call and write the company +

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    Call the company and tell them you are taking away your permission for the company to take automatic payments out of your bank account. The company’s customer service should be able to help you, and there might be an online form you can use. Then, follow up by writing a letter or an e-mail. When you contact the company, you can explain whether you are canceling your ongoing contract or subscription, or only changing the way you are paying them. For example, you might cancel automatic payments and decide to pay invoices when they arrive. Click here for a sample letter.

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    + Call and write your bank or credit union +

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    Next, call your bank or credit union and say you have revoked authorization for the company to take automatic payments from your account. Customer service should be able to help you, and your bank or credit union might have a form for this online. Follow up by writing a letter or an e-mail. Click here for a sample letter.

    After you contact your bank and the company to clarify that you have revoked authorization from the company, any additional payments initiated by that company would be errors, and you can contact your bank for a refund.

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    + Your bank or credit union might use stop payment orders +

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    Some banks or credit unions might recommend you send them a stop payment order, too. A stop payment order is an instruction to your bank or credit union that tells them not to make a payment to a specified company from your account. Click here for a sample stop payment order.

    Banks and credit unions generally charge fees for stop payment orders.

    A good idea is to follow your bank’s or credit union’s suggested process, and keep close track of your requests and the dates you made them. That way, if something goes wrong and a payment goes through after you have given your instructions, you can work with the bank or credit union to refund your account.

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    + Monitor your accounts +

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    Tell your bank or credit union right away if you see a payment that you did not allow or a payment that was made after you revoked authorization. Federal law gives you the right to dispute and get your money back for unauthorized transfers from your account, as long as you tell your bank in time. Click here for a sample letter.

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    + Cancelling an automatic payment does not cancel what you owe +

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    To cancel an ongoing contract for a service, like cable or a gym, be sure to cancel your contract with the company as well as telling it to stop automatic payments. If you cancel an automatic payment on a loan, you still have to make payments on the loan using another payment method.

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    + Still having trouble with a bank or credit union? +

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    Companies can usually answer questions unique to your situation and more specific to the products and services they offer. If you have a complaint, tell us about your issue—we’ll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint.

    Learn how the complaint process works

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    + How does foreclosure work? +

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    Foreclosure processes differ by state. They are generally done in two ways. If done by filing a lawsuit, it is called "judicial foreclosure." In some states, the lender can foreclose without going to court, and that is called "non-judicial foreclosure." State foreclosure processes require that the borrower(s) be notified regarding the foreclosure proceedings. There are also other federal rules that may apply.

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    Foreclosure is when the lender takes back property when the homeowner fails to make payments on a mortgage. Foreclosure processes differ by state. 

    Typically, if you fall a few months behind on your mortgage payments, the foreclosure process may begin (although the process can begin earlier or later). Don't wait for the foreclosure process to begin. Reach out for help as soon as you think you might have trouble paying your mortgage. 

    The foreclosure process generally may proceed in one of these ways depending on your state: 

    • Judicial foreclosure. This requires that the process go through a court where the borrower can raise defenses.
    • Non-judicial foreclosure. This is done without filing a court action and is carried out by a series of steps, including required written notices under a "power of sale" clause in the mortgage or deed of trust.

    Foreclosure processes require that the borrower(s) be notified regarding the proceedings and generally involve giving public notice. State laws on giving notice and scheduling a foreclosure sale vary. Some states may also provide you with the right to mediation prior to foreclosure. Be sure to read your mail and any legal notices carefully and act promptly on notices you receive.

    If you are having trouble paying your mortgage, you may have options.

    You can use the CFPB's "Find a Counselor" tool to get a list of counseling agencies in your area that are approved by the Department of Housing and Urban Development (HUD). You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).

    If you’re facing  foreclosure or have been served with legal papers, you may also need to consult an attorney.  

    Military members or veterans can call the Department of Veterans Affairs (VA) or visit the VA’s home loan website to get personalized assistance. Military members may also contact their local JAG office for more information. To find your JAG Legal Assistance Office, use the locator .

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    + How does my credit card company calculate the amount of interest I owe? +

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    Many credit card companies calculate the interest you owe daily, based on your average daily account balance.  

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    Often card companies charge one interest rate for purchases and different interest rates if you use your credit card to get cash, to write a check using your credit card account, or for other transactions. If your card has a grace period, you can avoid paying interest on purchases if you pay off your balance in full by the due date each month. 

    How does the daily interest calculation work?

    Many issuers calculate the interest you owe daily, based on the average daily balance. The interest charged daily is called the daily periodic rate. Since interest is accruing daily, not monthly, this means that if you don’t have a grace period, the sooner you pay off all or some of your balance, the less interest you will pay. 

    How do I know what APR applies to different types of balances? 

    Your statement must show each category with a different APR and the amount of the balance that falls in each category. If your card has a grace period , the grace period usually applies only to the category of new purchases and only if you were not already carrying a balance.  

    How do my payments affect the amount of interest I owe?

    If your card has a grace period, you can avoid paying interest on purchases if you pay off your card balance in full each month by the due date. When you pay less than the full balance but more than the minimum required, the card issuer must generally apply the amount you pay over the minimum first to the balance with the highest interest rate and any remaining portion to the other balances in descending order based on the applicable interest rate. It is generally up to the card issuer to decide to which balance it will apply the minimum amount portion of your total payment. 


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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/index.html b/www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/index.html new file mode 100644 index 000000000000..bf5a6d72b8d9 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-long-can-the-card-issuer-take-to-resolve-my-billing-error-or-dispute-en-64/index.html @@ -0,0 +1,1460 @@ + + + + + + + How long can the card issuer take to resolve my credit card billing error dispute? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How long can the card issuer take to resolve my credit card billing error dispute? +

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    The card issuer must send you a letter stating that it has received your billing dispute within 30 days of receiving it and complete its investigation within two complete billing cycles which generally means it cannot take longer than 90 days.

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    If you’ve noticed a billing error on your credit card statement and sent a written letter disputing the charge to your credit card company, they must acknowledge your dispute by sending you a billing error notice within 30 days of when they received your letter.

    They have two billing cycles – generally two months or 60 days – to investigate the error, but they can’t take more than 90 days. In the meantime, they’re not allowed to charge you interest on the amount being disputed.

    If the card issuer determines no billing error occurred, they must mail or deliver an explanation of the reasons why they’ve rejected your dispute.

    If the card issuer determines a billing error has occurred, then they must correct the billing error, credit your account with any disputed amount and any related finance or other charges, and send a correction notice to you.

    If you’re disputing part of a payment you’ve made for a faulty or defective product, you may have the right not to pay the remaining amount, but all of the following generally must be true:

    • You must have first tried in good faith to resolve the issue with the merchant who sold you the product or service.
    • You must have made your purchase in your home state or within 100 miles of your home address.
    • The price of the service or product must have been more than $50.
    • You must have used your credit card to pay for the purchase.
    • You must not yet have fully paid for the product or service.

    Learn more about credit cards

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-often-can-a-debt-collector-call-me-en-2110/index.html b/www.consumerfinance.gov/ask-cfpb/how-often-can-a-debt-collector-call-me-en-2110/index.html new file mode 100644 index 000000000000..df1db41708f2 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-often-can-a-debt-collector-call-me-en-2110/index.html @@ -0,0 +1,1471 @@ + + + + + + + When and how often can a debt collector call me on the phone? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + When and how often can a debt collector call me on the phone? +

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    There are laws to prohibit debt collectors from placing repeated or continuous telephone calls to annoy, abuse, or harass you or others who share your phone number. They’re also prohibited from communicating with you at times or places that are inconvenient for you.

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    When can a debt collector call me?

    Generally, debt collectors can’t call you at an unusual time or place, or at a time or place they know is inconvenient to you. They are generally prohibited from contacting you before 8 a.m. or after 9 p.m. The law also requires debt collectors to follow instructions you give them about when and where you don’t want to be contacted.

    If you don’t want to receive calls from a debt collector at a particular time or place, such as on the weekends or at work, you should tell the debt collector. If they’re aware you don’t want or are not allowed to receive personal calls at work, for example, they’re not allowed to contact you there.

    You have a right to ask a debt collector to stop contacting you.

    How often can debt collectors call me?

    The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from placing repeated or continuous telephone calls to you or having telephone conversations with you with the intent to annoy, abuse, or harass you. “Placing a telephone call” includes telephone calls that the debt collector makes and that go into voicemail.

    In addition, the Debt Collection Rule creates certain “presumptions” to help determine whether debt collectors have violated this law. The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt:

    • More than seven times within a seven-day period, or
    • Within seven days after engaging in a telephone conversation with you about the particular debt.

    Factors such as the frequency and pattern of phone calls and voicemails may also be used to assess whether a debt collector complied with or violated the law. For example, if the debt collector placed seven calls to you about a debt within a seven-day period, but all seven calls were made on the same day, they could be violating the law. There may be some exceptions to this, including if you gave them consent to call more frequently.

    The limits generally apply per debt but in the case of student loan debt – depending on the facts – multiple debts could be counted together as one “particular debt,” so the limits would apply to those debts as a group.

    Keep in mind that these presumptions only apply to telephone calls placed by the debt collector to you and don’t apply to other forms of communication, including text messages, emails, in-person interactions, or social media messages, which have other protections.

    For more information about repeated or continuous telephone calls or telephone conversations, review the Debt Collection Rule FAQs or see Section 7.1 in the Debt Collection Small Entity Compliance Guide . Your state laws may also provide additional protections, and you can check with your state attorney general’s office for more information.

    If you're having an issue with debt collection, you can submit a complaint with the CFPB.

    Learn what to do when a debt collector contacts you.

    Learn more about debt collection.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/how-quickly-can-i-get-money-after-i-deposit-a-check-into-my-checking-account-what-is-a-deposit-hold-en-1023/index.html b/www.consumerfinance.gov/ask-cfpb/how-quickly-can-i-get-money-after-i-deposit-a-check-into-my-checking-account-what-is-a-deposit-hold-en-1023/index.html new file mode 100644 index 000000000000..01f523ace820 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/how-quickly-can-i-get-money-after-i-deposit-a-check-into-my-checking-account-what-is-a-deposit-hold-en-1023/index.html @@ -0,0 +1,1536 @@ + + + + + + + How quickly can I get money after I deposit a check into my checking account? What is a deposit hold? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How quickly can I get money after I deposit a check into my checking account? What is a deposit hold? +

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    Each bank or credit union has its own rules as to when it will let you access money after you deposit a check, but federal law establishes the maximum length of time a bank or credit union can make you wait.

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    How quickly can I get money after I deposit a check?

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    Generally, if you deposit a check or checks for $200 or less in person to a bank employee, you can access the full amount the next business day. If you deposit checks totaling more than $200, you can access $200 the next business day, and the rest of the money the second business day.

    If your deposit is a certified check, a check from another account at your bank or credit union, or a check from the government, you can withdraw or use the full amount on the next business day if you make the deposit in person to a bank employee.

    If you make a check deposit at an ATM at your bank, you can withdraw or use the full amount on the second business day.

    Your bank or credit union has a cut-off time for what it considers the end of the business day. If you make a deposit after the cut-off time, the bank or credit union can treat your deposit as if it was made on the next business day. A bank or credit union’s cut-off time for receiving deposits can be no earlier than 2:00 p.m. at physical locations and no earlier than noon at an ATM or elsewhere.

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    What is a deposit hold?

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    The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a “deposit hold” or “check hold”. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee. If you need the money from a particular check, you can ask the teller when the funds will become available. A receipt showing your deposit does not mean that the money is available for you to use.

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    Why is it taking longer to see a deposit in a bank account?

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    It may take longer for you to access your deposit for a few reasons:

    • If you have a new account or if your account has been overdrawn too many times in the past six months;
    • If you make a deposit over $5,000;
    • If you make a deposit at an ATM owned by someone other than your bank or credit union; or
    • If the bank or credit union reasonably believes the deposited check may be uncollectible.
    • If you or your bank redeposit a check that has been returned unpaid
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    + Still having trouble with a bank or credit union? +

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    Companies can usually answer questions unique to your situation and more specific to the products and services they offer. If you have a complaint, tell us about your issue—we’ll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint.

    Learn how the complaint process works

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-sent-money-to-a-friend-in-a-foreign-country-but-the-amount-received-was-less-than-what-i-sent-what-can-i-do-en-1745/index.html b/www.consumerfinance.gov/ask-cfpb/i-sent-money-to-a-friend-in-a-foreign-country-but-the-amount-received-was-less-than-what-i-sent-what-can-i-do-en-1745/index.html new file mode 100644 index 000000000000..770cb5b3b336 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/i-sent-money-to-a-friend-in-a-foreign-country-but-the-amount-received-was-less-than-what-i-sent-what-can-i-do-en-1745/index.html @@ -0,0 +1,1465 @@ + + + + + + + I sent money to someone in a foreign country, but the amount received was less than what I sent. What can I do? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + I sent money to someone in a foreign country, but the amount received was less than what I sent. What can I do? +

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    When you send a remittance transfer, sometimes fees or taxes are charged or deducted from the total amount sent. When you use a remittance transfer provider, federal law gives you the right to dispute any errors.

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    The amount that was received may be less than what was sent because certain fees or taxes may be deducted by a third-party company, separate of the remittance transfer provider, that processed the transfer.

    If you used a remittance transfer provider, they must tell you about certain fees charged by persons other than the provider before you pay for the transfer. In most cases, remittance transfer providers must provide you with the exact amount of those fees, but sometimes federal law allows them to provide you with estimates.

    There may be additional fees taken out by the recipient’s bank and foreign taxes that apply. If these deductions apply to your transfer, the remittance transfer provider must let you know, but federal law doesn’t require them to provide you with exact or estimated amounts of these deductions. If you’re unsure about whether you have sent enough money to cover the fees, contact the person or business receiving the money. They can tell you whether they have priced in the additional fees and taxes for you.

    If you believe a mistake was made, or if you have questions, contact the money transfer service right away. If you sent a money transfer through a remittance transfer provider, federal law gives you the right to have errors investigated. The provider also must tell you the results of the investigation. For certain types of errors, such as if the money doesn’t arrive by the date it’s supposed to arrive, you may be able to get a refund or have the transfer sent again.

    If you’re not satisfied with the company’s response, submit a complaint to the CFPB.

    Learn more about money transfers.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-sent-money-to-someone-and-she-couldnt-get-the-money-because-her-information-didnt-match-what-i-provided-what-can-i-do-en-1739/index.html b/www.consumerfinance.gov/ask-cfpb/i-sent-money-to-someone-and-she-couldnt-get-the-money-because-her-information-didnt-match-what-i-provided-what-can-i-do-en-1739/index.html new file mode 100644 index 000000000000..262f817c1479 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/i-sent-money-to-someone-and-she-couldnt-get-the-money-because-her-information-didnt-match-what-i-provided-what-can-i-do-en-1739/index.html @@ -0,0 +1,1465 @@ + + + + + + + I sent money to someone and she couldn't get the money because her information didn't match what I provided. What can I do? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + I sent money to someone and she couldn't get the money because her information didn't match what I provided. What can I do? +

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    If you believe you gave wrong information, contact the provider and ask if you can correct it.

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    When you send money to someone else, the company you use may require the recipient’s information, such as name and address, or account number, to match certain information that you provide in order to get the money you’ve sent.  

    Verify account numbers before you send a transfer. You could lose your money if you mistakenly provide wrong account or routing numbers. If the money does not go to the account you intended, you may not be able to get it back.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/index.html b/www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/index.html new file mode 100644 index 000000000000..b4e8fbd59141 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/index.html @@ -0,0 +1,1470 @@ + + + + + + + I think I or someone I know was the victim of a scam or financial exploitation. Who can I contact for help? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    If you suspect a scam, there are a few important steps you should take right away.

    +
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    1. Contact your local police or sheriff’s office to report the scam.
    2. Contact your state attorney general. Visit the National Association of Attorneys General website for the contact information of each state attorney general.
    3. If the victim is an older person or a person with a disability, contact your local adult protective services agency. You can find your state or local agency that receives and investigates reports of suspected elder financial exploitation by using the online Eldercare Locator or calling (800) 677-1116.
    4. If you or someone you care about is the victim of a fraud, scam or financial exploitation, you can submit a complaint with the Federal Trade Commission.

    Because all scams are different, you might have to reach out to a number of other local, state, and federal agencies depending on your situation.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-want-to-close-my-credit-card-account-what-should-i-do-en-84/index.html b/www.consumerfinance.gov/ask-cfpb/i-want-to-close-my-credit-card-account-what-should-i-do-en-84/index.html new file mode 100644 index 000000000000..fdadb123825a --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/i-want-to-close-my-credit-card-account-what-should-i-do-en-84/index.html @@ -0,0 +1,1469 @@ + + + + + + + I want to close my credit card account. What should I do? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    In general, you should be able to close your account by calling the credit card company and following up with a written notice. If you still have a balance when you close your account, you are required to pay off any balance on schedule. The card company is allowed to charge interest on the amount you still owe.

    +
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    Your +cardholder agreement may give you any other details on how to close your +account. You should be able to find a copy of the agreement on your card +company’s website, and you can request a copy from your card company if it is +not there. If you have any questions, you should contact your card company.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/i-want-to-submit-a-complaint-about-an-international-money-transfer-what-should-i-do-en-1753/index.html b/www.consumerfinance.gov/ask-cfpb/i-want-to-submit-a-complaint-about-an-international-money-transfer-what-should-i-do-en-1753/index.html new file mode 100644 index 000000000000..35d88c252bd4 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/i-want-to-submit-a-complaint-about-an-international-money-transfer-what-should-i-do-en-1753/index.html @@ -0,0 +1,1469 @@ + + + + + + + How do I notify the remittance transfer provider about a mistake with my money transfer? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + How do I notify the remittance transfer provider about a mistake with my money transfer? +

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    If you think there was a mistake with your remittance transfer, contact the company that sent the money right away. The sooner you notify the company, the sooner your issue can be resolved.

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    Federal law requires remittance transfer providers to correct certain errors when making a money transfer, such as a failure to deliver the correct amount of money or to deliver the funds by the date the money is supposed to be available. You have 180 days from the date the money is supposed to be available to contact the provider and report the error. This date of availability is printed on your money transfer receipt, but don’t delay. Usually, the sooner you start the process, the sooner the error can get fixed.

    The remittance provider must investigate and determine whether an error occurred within 90 days after it receives your notice of error, and then tell you about their findings within three business days after completing the investigation.

    Mistakes a remittance transfer provider is responsible for correcting

    Generally, mistakes a remittance transfer provider is responsible for correcting include:

    • An incorrect amount paid by the sender
    • Computational or bookkeeping errors
    • Delivery of an incorrect amount of money
    • Failure to deliver funds by the date that the money is supposed to be available or to deliver the funds at all
    • Delivery of funds to the wrong recipient

    Information to include when submitting your error notice

    When submitting your error notice, give the remittance transfer provider as much information about the money transfer as you can, in addition to explaining why you believe a mistake was made. There is information you must include, such as:

    • Your name and telephone number or address
    • The name and telephone number or address of the person to whom you sent the transfer
    • The dollar amount of the transfer
    • Why you believe an error occurred

    There is other information you should give to the provider if you know it, but is not mandatory. This includes:

    • Your email address and other identifying information used in sending the transfer
    • Any email address or other identifying information of the person you sent the transfer to
    • The confirmation code if you have one
    • The date the transfer was requested
    • The destination of the transfer
    • Any other information that could help the provider identify the transfer

    Requirements for receiving a refund or resending the money

    For many types of mistakes, such as if the money never arrives, you may be able to get a refund or have the remittance transfer sent again. If the mistake occurred because you gave the remittance transfer provider an incorrect account number or routing number and the provider took certain actions, then they’re not required to refund or resend the money. These certain actions include using reasonably available means to verify that the routing number corresponded to the recipient institution name you provided before sending the transfer and using reasonable efforts to retrieve the funds from the wrong recipient in a quick manner.

    If you’re not satisfied with the company’s response, you can submit a complaint to the CFPB. In addition, a remittance transfer receipt must list the transfer provider’s phone number, a phone number for the CFPB, and, in some cases, a phone number for a state regulator for questions or complaints about the remittance transfer provider.

    View a sample remittance transfer receipt.

    Separate state law protections may be available to you, depending on how you send the money (for example, through wire transfer, electronic payment, etc.). Contact your state attorney general  or state financial regulator for more information about your state’s laws.

    Learn more about money transfers.

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    If you’d like a family member or friend to help you manage your money, you can explore options like opening a convenience bank account, adding trusted contacts to your accounts, or getting a power of attorney (POA).

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    Receive informal help with money management

    If you are still able to handle your banking and bill-paying but would like some help going through the bills and budgeting, a friend or family member can review your bills with you and help you figure out which ones to pay and when. Under this arrangement, you still sign your checks, and no one else is authorized to make account transactions.

    If you have no friends or family members to help you with informal money management, there are organized programs that provide trained staff members or volunteers to help. To locate a money management program in your area, try contacting your local Area Agency on Aging . You may also be able to find a money management program along with other resources for older Americans by contacting the Eldercare Locator at eldercare.acl.gov or by calling 1-800-677-1116.

    If you get help from a money management program, though, check on whether the program has insurance or bonding so your money is protected in a worst-case scenario, including mismanagement or theft by the person assisting you.

    Open a convenience account

    A “convenience account” or “agency account” enables you to designate a family member or friend to help you with depositing or withdrawing money and writing checks.

    A convenience account doesn’t change the ownership of the money in the account or give your helper the right to keep the money when you die. However, any friend or family member you designate to help you can both deposit and withdraw money from your account, which exposes you to the risk that they might withdraw your money for their own use.

    If you’re interested in a convenience or agency account, ask your bank

    Often bank employees don’t mention these options or know they exist. You may need to speak with a manager. Explain that you want an account in which the money remains yours but that someone else’s name will be on the account to help you with bill paying and other transactions. If you don’t intend for your money to become your helper’s money upon your death, be sure to say that you don’t want a joint account where the other person has the “right of survivorship.”

    Add a trusted contact person to your accounts

    Some banks may also offer the option to add a “trusted contact person” to your brokerage accounts. This allows your financial institution to contact the trusted person in certain circumstances, like if they believe you’re getting scammed. Trusted contacts don’t have access to your money – they simply get notified if the financial institution sees signs of financial exploitation. Learn more about how choosing a trusted contact person could help you safeguard your finances

    Set up a power of attorney for finances

    You can also choose a friend or family member to act on your behalf by creating and signing a document called a power of attorney (POA) or “durable” power of attorney. If you have a POA, your bank account can remain in your name only, but the person you name as your power of attorney – or your “agent” – can help you with banking. If you or your agent shares a copy of the power of attorney document with bank employees, they should honor the document and allow your agent to handle your bank transactions on your behalf.

    Again, give considerable thought before granting anyone power of attorney, as they could withdraw money from your account without your permission.

    Considering a financial caregiver? Learn your options.

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    The HOPE™ Hotline offers personalized advice from housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD). 

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    You can access this national hotline by calling (888) 995-HOPE (4673) 24 hours a day, 7 days a week. You may also access the Homeownership Preservation Foundation website.

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    + If I can't pay my mortgage loan, what are my options? +

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    If you can’t pay your mortgage or are worried about missing a mortgage payment, call your mortgage servicer right away. You should also contact a HUD-approved housing counseling agency to get free, expert assistance on avoiding foreclosure.

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    First, call your mortgage servicer. You can find the telephone number for your mortgage servicer on your monthly mortgage loan statement. If you don’t get a monthly mortgage statement, look in the mortgage loan coupon book your lender gave you. You can also look on your mortgage servicer’s website. If you don’t know the name of your mortgage servicer, contact a HUD-approved housing counseling agency for help.

    When you call your mortgage servicer, be prepared to explain:

    • Why you are unable to make your payment
    • Whether the problem is temporary or permanent
    • Details about your income, expenses and other assets like cash in the bank
    • If you are a servicemember and have received permanent change of station (PCS) orders. (This is important to mention, because you may qualify for loss mitigation options because of your military move.)

    Many mortgage servicers have programs to help people avoid foreclosure. Your mortgage servicer will look at your situation to consider the options that may be available to you. The servicer may ask you to fill out a mortgage assistance application. After the servicer reviews the completed application, it will let you know what loss mitigation options, if any, it will offer to you.

    Next, call a HUD-approved housing counseling agency. Through the Department of Housing and Urban Development (HUD), you can find an agency to help you. The counselor can:

    • Discuss your situation and whether you qualify for any programs or additional help
    • Help you understand the loss mitigation options your servicer offers and which options might work best for you
    • Guide you through the process of working with your servicer and any other programs and paperwork you may need
    • Help you at little or no cost with budgeting, credit card debt, or other financial problems that may be making it hard to pay your mortgage

    You can use the CFPB's "Find a Counselor" tool to get a list of housing counseling agencies in your area that are HUD-approved. You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).

    If you are facing imminent foreclosure or have been served with legal papers, you may also need to consult an attorney.

    What options might be available?

    Some options that your servicer might make available include:

    Watch out for Scams

    A HUD-approved housing counseling agency can help you figure out which available options may work best for you. You don’t have to pay anyone to help you avoid foreclosure. The help you need is available at no cost to you from your servicer, or through a HUD-approved housing counseling agency.

    Foreclosure scammers might tell you they’ll save your home from foreclosure, when they’re really just taking your money.

    Watch for these scam warning signs:

    • You’re asked to pay upfront for help.
    • The company guarantees it will get the terms of your mortgage changed.
    • The company guarantees you won’t lose your home.
    • You’re asked to sign over title to your home or to sign other documents you don’t understand.
    • You’re instructed to send your payment to someone other than your mortgage company or servicer.
    • The company offers to do a “forensic audit.”
    • You’re told to stop paying your mortgage.
    • The company says they’re affiliated with the government, or uses a logo that looks like a government seal but is slightly different.

    Tip: Use our checklist for more information on how to avoid foreclosure.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/if-i-pay-off-my-credit-card-balance-when-it-is-due-is-the-company-allowed-to-charge-me-interest-for-that-month-en-48/index.html b/www.consumerfinance.gov/ask-cfpb/if-i-pay-off-my-credit-card-balance-when-it-is-due-is-the-company-allowed-to-charge-me-interest-for-that-month-en-48/index.html new file mode 100644 index 000000000000..ab087444c2bb --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/if-i-pay-off-my-credit-card-balance-when-it-is-due-is-the-company-allowed-to-charge-me-interest-for-that-month-en-48/index.html @@ -0,0 +1,1473 @@ + + + + + + + If I pay off my credit card balance when it is due, is the company allowed to charge me interest for that month? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    When you carry a balance on your credit card, most card companies charge you interest from your billing date until the time they receive your payment.

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    Different credit card companies have different rules for when they charge interest. In general, once a credit card company starts to charge interest, it keeps charging interest until it receives your payment.

    Your cardholder agreement should tell you the rules for your credit card. You should be able to find a copy of the agreement on the credit card company’s website, or you can look it up by the company’s name. You can also request a copy from your credit card company.

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    Whether you’re shopping for a new card or getting a handle on an existing one, here are the resources you need to manage your credit cards. View our resources.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/index.html b/www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/index.html new file mode 100644 index 000000000000..7d9b338d5e43 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/index.html @@ -0,0 +1,1470 @@ + + + + + + + My credit application was denied because of my credit report. What can I do? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + My credit application was denied because of my credit report. What can I do? +

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    If you were turned down for a loan or a line of credit, the lender is required to give you a list of the main reasons for its decision or a notice telling you how to get the main reasons.

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    First, find out what caused the lender to turn you down. If a lender rejects your application, it’s required under the Equal Credit Opportunity Act (ECOA)  to tell you the specific reasons your application was rejected or tell you that you have the right to learn the reasons if you ask within 60 days.

    If a lender rejects your application based on your credit report, the lender is also required to:

    • Provide you the numerical credit score it used in taking the adverse action and the key factors that affected your score
    • Give you the name, address, and telephone number of the credit reporting company that provided the report
    • Tell you about your right to get a free copy of your credit report from the credit reporting company that provided it within 60 days of your adverse action notice
    • Explain the process for fixing mistakes on your report or adding information to make your report more complete

    If you find information in your credit report that you believe is inaccurate, you can dispute what is in the report with the credit reporting company and the company that provided the information. The credit reporting company is required to conduct an investigation and correct any errors it finds. If after the investigation you still believe that the report is wrong, you generally have the right to have a statement added to the report stating that you dispute the information.

    If you were denied due to an “insufficient credit file”, you can use this checklist to learn how to build and keep good credit .

    It is illegal for a creditor to discriminate in any credit transaction, including mortgages, against any applicant because of:

    • Race
    • Color
    • Religion
    • National origin
    • Sex (gender)
    • Marital status
    • Age, unless the applicant is not legally able to enter into a contract
    • Receipt of income from any public assistance program
    • Exercising in good faith a right under the Consumer Credit Protection Act (such as disputing information in your credit report)

    If you feel you may have been discriminated against, learn more about your rights under ECOA.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/should-i-trade-in-my-car-if-its-not-paid-off-en-2045/index.html b/www.consumerfinance.gov/ask-cfpb/should-i-trade-in-my-car-if-its-not-paid-off-en-2045/index.html new file mode 100644 index 000000000000..52f06a321f92 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/should-i-trade-in-my-car-if-its-not-paid-off-en-2045/index.html @@ -0,0 +1,1500 @@ + + + + + + + Should I trade in my car if it’s not paid off? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Should I trade in my car if it’s not paid off? +

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    If you have a balance on your loan, find out how much you still owe and what the trade-in value is so you can decide whether to pay off your loan, wait before you buy again, or add your current amount to a new loan.

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    Trading in a car generally helps you reduce how much you’ll need to borrow when buying another vehicle, but if you have a balance on your current auto loan, you may be encouraged to roll your existing balance into a new loan, which will increase your total loan costs and the interest you’ll pay over the life of your loan.

    To make the best decision for you, find out the following information first:

    • Find out the “payoff amount” on your existing auto loan. This is the amount remaining on your existing loan, and it might be different from the outstanding balance listed on your statement or coupon book because of the way interest is calculated, any outstanding late fees or charges, or for another reason.
    • Research the potential trade-in or actual cash value of your current vehicle. You can find estimated trade-in values through Consumer Reports, Edmunds, Kelley Blue Book, and NADA Guides. You can also look at online classified ads for similar vehicles in your area. Like shopping for an auto loan, you can get trade-in estimates from multiple dealerships and negotiate your trade-in value to get the best price.

    If you owe less than your estimated trade-in value, make sure you fully repay your existing auto loan before getting a new loan. In some cases, there may be a prepayment penalty for paying off your loan early.

    If you owe more than your trade-in value – often referred to as “negative equity” – a dealer or lender may offer to roll the balance of your existing auto loan into a new auto loan, but this will make your new auto loan more expensive.

    With this information, you can better decide if you want to pay off your existing loan now, wait until you pay off your loan, or include the amount that you still owe on your current vehicle in your new auto loan.

    Ask these questions before getting a new auto loan

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    Rolling your existing auto loan balance into a new loan

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    If you move forward with trading in your vehicle and rolling your existing auto loan balance into a new loan, ensure your original loan has been completely paid off and you don’t have any outstanding payments:

    Dealers occasionally have vehicle trade-in offers, and if the dealer promises to pay off your negative equity, make sure it’s not included in your new financing or your final loan contract. Before finalizing a loan, read the contract carefully, and don’t sign anything until you understand and are comfortable with the terms.

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    Know before you shop

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    There are several important financial decisions to make before you shop for a car. Learn what questions to ask so you can make the best choice for you.

    What you need to know before you shop for a car or auto loan

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    + What are some classic warning signs of possible fraud and scams? +

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    There are several signs that indicate you might be dealing with a scammer.

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    They include contact from someone:

    • Calling or emailing you, claiming to be from the government and asking you to pay money.
    • Asking you to pay money or taxes upfront to receive a prize or a gift. 
    • Asking you to wire them money, send money by courier, or put money on a prepaid card or gift card and send it to them.
    • Asking for access to your money-such as your ATM cards, bank accounts, credit cards, or investment accounts.
    • Pressuring you to "act now" or else the deal will go away. Or someone who seems to be trying hard to give you a "great deal" without time to answer your questions.  

    To report a scam, you can submit a complaint with the Federal Trade Commission. You can also contact your local police or sheriff's office or your state attorney general's office to report the scam. Visit the National Association of Attorneys General for the contact information of each state attorney general.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-are-some-common-types-of-scams-en-2092/index.html b/www.consumerfinance.gov/ask-cfpb/what-are-some-common-types-of-scams-en-2092/index.html new file mode 100644 index 000000000000..d27c49325fd8 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-are-some-common-types-of-scams-en-2092/index.html @@ -0,0 +1,1709 @@ + + + + + + + What are some common types of scams? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What are some common types of scams? +

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    Scammers are constantly finding new ways to steal your money. You can protect yourself by knowing what to look out for.

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    Common types of fraud and scams

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    Here are some of the most common types of fraud and scams. Learn what to watch for and what steps to take to keep yourself, your loved ones, and your money safe.

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    Charity scams

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    A charity scam is when a thief poses as a real charity or makes up the name of a charity that sounds real in order to get money from you.

    These kinds of scams often increase during the holiday season as well as around natural disasters and emergencies, such as storms, wildfires, or earthquakes. Be careful when any charity calls to ask for donations, especially ones that suggest they’re following up on a donation pledge you don’t remember making.

    What to do: Ask for detailed information about the charity, including address and phone number. Look up the charity through their website or a trusted third-party source to confirm that the charity is real. Learn more about how to avoid a charity scam.

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    Debt collection scams

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    Most debt collectors will contact you to collect on legitimate debts you owe. But there are scammers who pose as debt collectors to get you to pay for debts you don't owe or ones you’ve already paid.

    What to do: Don’t provide any personal financial information until you can verify the debt. You can use this sample letter  to request more information. Read more about the warning signs.

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    Debt settlement and debt relief scams

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    Debt settlement or relief companies often promise to renegotiate, settle, or in some way change the terms of a person's debt to a creditor or debt collector. Dealing with debt settlement companies, though, can be risky and could leave you even further in debt.

    What to do: Avoid doing business with any company that guarantees they can settle your debts, especially those that charge up-front fees before performing any services. Instead, you can work with a free or nonprofit credit counseling program that can help you work with your creditors. Learn more about the risks of working with a debt settlement or relief company.

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    FDIC logo misuse

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    The FDIC logo is displayed on buildings, websites, advertisements, and other materials from its member banks. Sometimes, a scammer displays the FDIC logo, or says its accounts are insured or regulated by the FDIC, to try to assure you that your money is safe when it isn’t. Some of these scams could be related to cryptocurrencies.

    What to do: You can double-check whether the business is an FDIC-insured bank by using the lookup page on the FDIC’s site, called BankFind .

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    Foreclosure relief or mortgage loan modification scams

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    Foreclosure relief or mortgage loan modification scams are schemes to take your money or your house, often by making a false promise of saving you from foreclosure. Scammers may ask you to pay upfront fees for their service, guarantee a loan modification, or ask you to sign over the title of your property, or sign paperwork you don’t understand.

    What to do: If you are having trouble making payments on your mortgage, a HUD-approved housing counseling agency can help you assess your options and avoid scams. If you think you may have been a victim of a foreclosure relief scam, you may also want to consult an attorney. Learn more about mortgage loan modification scams.

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    Grandparent scams

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    If you get a call from someone who sounds like a grandchild or relative asking you to wire or transfer money or send gift cards to help them out of trouble, it could be a scam.

    What to do: Read more about other ways to protect older adults from fraud and financial exploitation.

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    Imposter scams

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    Imposter scammers try to convince you to send money by pretending to be someone you know or trust like a sheriff; local, state, or federal government employee; or charity organization.

    What to do: Remember, caller ID can be faked. You can always call the organization or government agency and ask if the person works for them before giving any money. Read more about imposter scams.

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    Mail fraud

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    Mail fraud letters look real but the promises are fake. A common warning sign is a letter asking you to send money or personal information now in order to receive something of value later. Examples of mail fraud might include notices of prizes, sweepstakes winnings, vacations, and other offers to claim valuable items.

    What to do: The USPS has identified common postal or mail fraud schemes. If you’re a victim of mail fraud, you can file a complaint through the U.S. Postal Inspection Service .

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    Money mule scams

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    A money mule is someone who receives and moves money that came from victims of fraud. While some money mules know they’re assisting with criminal activity, others are unaware that their actions are helping fraudsters.

    Money mules may be recruited through online job or social media posts that promise easy money for little effort. They may also agree to help a love interest who they’ve met online or over the phone, by sending or receiving money, as part of a romance scam.

    What to do: Don’t agree to receive or send money or packages for people you either don’t know or haven’t met. Also, be aware of jobs that promise easy money. Learn more about the red flags and what to do if you’re a victim of a money mule scam.

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    Money transfer or mobile payment services fraud

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    Con artists use money transfers to steal people’s money. If someone you don’t know asks you to send money to them, it should be a red flag. Scammers also use mobile payment services to trick people into sending money or merchandise without holding up their end of the deal. For example, a scammer may sell you concert or sports tickets but then never actually give them to you. Or a scammer might purchase an item from you, appear to send a payment, and then cancel it before it reaches your bank account.

    Using mobile payment services with family, friends, and others you know and trust is the safest way to protect your money. You should also be cautious when people you do know ask you to send them money. Before you send money, verify that they are the ones requesting it.

    What to do: Never send money to someone you don’t know. If you think you made a money transfer to a scammer, contact your bank or the company you used to send the money immediately and alert them that there may have been a mistake.

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    Mortgage closing scams

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    Mortgage closing scams target homebuyers who are nearing the closing date on their mortgage loan. The scammer attempts to steal the homebuyer's closing funds—for example, their down payment and closing costs—by sending the homebuyer an email posing as the homebuyer's real estate agent or settlement agent (title company, escrow officer, or attorney).

    What to do: These schemes are often complex and appear as legitimate conversations with your real estate or settlement agent. When you’re about to close on your home, take several steps, including identifying trusted individuals to confirm the process and payment instructions and writing down their names and contact information so you can reach out to them directly. Learn more about what steps you should take to help protect your closing funds.

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    Lottery or prize scams

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    In a lottery or prize scam, the scammers may call or email to tell you that you’ve won a prize through a lottery or sweepstakes and then ask you to pay an upfront payment for fees and taxes. In some cases, they may claim to be from a federal government agency.

    What to do: Avoid providing any personal or financial information, including credit cards or Social Security numbers, to anyone you don’t know. Also, never make an upfront payment for a promised prize, especially if they demand immediate payment. Learn more about lottery or prize scam red flags.

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    Romance scams

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    A romance scam is when a new love interest tricks you into falling for them when they really just want your money. Romance scams start in a few different ways, usually online. Scammers may also spend time getting to know you and developing trust before asking you for a loan or for access to your finances.

    What to do: Be smart about who you connect with and what information you share online. Don’t share sensitive personal information, such as bank account or credit card numbers or a Social Security number, with a new love connection. Learn more about how to avoid romance scams.

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    Common payment methods used by scammers

    Never send money to someone you don’t know. Scammers use a variety of ways to collect money from you, including:

    • Wire transfers
    • Person-to-person payment services and mobile payment apps
    • Gift cards

    Learn more about common frauds and scams

    Reporting fraud and scams

    If you’re a victim of a scam, you can report it to the authorities by:

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-are-specialty-consumer-reporting-agencies-and-what-kind-of-information-do-they-collect-en-1813/index.html b/www.consumerfinance.gov/ask-cfpb/what-are-specialty-consumer-reporting-agencies-and-what-kind-of-information-do-they-collect-en-1813/index.html new file mode 100644 index 000000000000..dc5d28ef0f02 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-are-specialty-consumer-reporting-agencies-and-what-kind-of-information-do-they-collect-en-1813/index.html @@ -0,0 +1,1470 @@ + + + + + + + What are specialty consumer reporting agencies and what kind of information do they collect? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What are specialty consumer reporting agencies and what kind of information do they collect? +

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    Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service.

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    The information specialty consumer reporting companies collect depends on the reporting company and its specialty industry.

    Reports may be compiled from your history of:

    You might not know these reports exist unless you run into a problem, such as not getting a job, lease, insurance, or checking account, or when a utility or cell phone company asks you to put down a deposit before starting service with you.

    Just like with the big three consumer reporting companies, you can get free copies of your reports every 12 months from many of the specialty consumer reporting companies. Other specialty consumer reporting companies may be able to charge you a fee for your report. Keep in mind that not every consumer reporting company will have information on everyone. You have to request the reports individually from each company.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collector-contacts-me-about-a-debt-i-already-paid-or-dont-think-i-owe-en-1403/index.html b/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collector-contacts-me-about-a-debt-i-already-paid-or-dont-think-i-owe-en-1403/index.html new file mode 100644 index 000000000000..8d04848b1d56 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-a-debt-collector-contacts-me-about-a-debt-i-already-paid-or-dont-think-i-owe-en-1403/index.html @@ -0,0 +1,1561 @@ + + + + + + + What can I do if a debt collector contacts me about a debt I already paid or don't think I owe? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What can I do if a debt collector contacts me about a debt I already paid or don't think I owe? +

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    If you believe you already paid the debt, do not owe the debt, the amount is incorrect, or that it's not even your debt, you may send a written request to the debt collector to dispute the debt or receive more information.

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    If a debt collector contacts you about a debt you may or may not owe, don’t ignore or avoid a debt collector. Debt collectors are, in general, required by law to tell you certain information about the debt, and this information – also known as validation information or a validation notice – can help you learn more about the debt and dispute it if you don’t think that you owe it.

    Validation information must include:

    • The name of the creditor
    • The amount owed
    • That you can dispute the debt and that if you don’t dispute the debt within 30 days the debt collector will assume the debt is valid
    • That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt
    • That if you request the name and address of the original creditor within 30 days (if different from the current creditor), the debt collector will provide you that information.

    The CFPB also has sample letters to help you know how best to respond to a debt collector based on your situation. Note: The CFPB’s sample letters are not legal advice.

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    If you don’t think you owe the debt

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    Once you receive the validation information or notice from the debt collector during or after your initial communication with them, you have 30 days to dispute all or part of the debt, if you don’t believe that you owe it. If you receive a validation notice, the end date of the 30-day period will be specified.

    Once you’ve disputed the debt, the collector can’t call or contact you to collect the debt until they’ve responded with verification of the debt.

    You can also request that the debt collector give you the name and address of the original creditor, if different from the current creditor. If you make that request in writing within 30 days, the debt collector has to stop all debt collection activities until it provides you that information.

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    If you’ve already paid the debt

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    If a debt collector contacts you about a debt you’ve already paid, let them know that you paid the debt by providing confirmation of your payments – but make sure first that you’re confident it’s not a scam.

    If you’re sure that you’re talking with a legitimate debt collector, you can send copies of documents that prove you made the payments, including cancelled checks or credit card statements. You may also include copies of any correspondence about settling the debt. Don’t send original documents – only copies – so you can keep the originals as proof.

    If you don't have documentation of your payments or letters saying you've paid off the debt, you can contact the creditor who you originally paid to get this information.

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    Keep good records of your communications with a debt collector

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    It is a good idea to keep a file of all letters or documents a debt collector sends you and copies of anything you send to a debt collector. Also, write down dates and times of conversations, along with notes about what you discussed. These records can help you if you have a dispute with a debt collector, meet with a lawyer, or go to court.

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    Keep proof that you sent your dispute to the debt collector

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    If you dispute the debt, make a copy of your written dispute and send the original to the debt collector. It's also generally a good idea to send the dispute by certified mail. If you pay for a "return receipt," you'll have proof the debt collector received your mail.

    Learn more about what to do when a debt collector contacts you.

    If you're having trouble with debt collection, you can submit a complaint with the CFPB.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/index.html b/www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/index.html new file mode 100644 index 000000000000..45df40c93688 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/index.html @@ -0,0 +1,1507 @@ + + + + + + + What do I do if I’ve been a victim of identity theft? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What do I do if I’ve been a victim of identity theft? +

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    By contacting the nationwide credit reporting companies, you can place a fraud alert or security freeze on your credit report. You can also request that they block or remove fraudulent debts.

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    You can contact the three nationwide credit reporting companies, Equifax , Experian , and TransUnion :

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    OnlineBy callingBy mail

    Equifax Alerts

    		(800) 685-1111Equifax Consumer Fraud Division,
    PO Box 740256,

    Atlanta, GA 30374

    Experian Fraud Center

    		(888) 397-3742

    Experian,
    P.O. Box 9554,
    Allen, TX 75013

    Transunion Fraud Alert

    		(888) 909-8872TransUnion Fraud Victim Assistance Department,
    P.O. Box 2000,
    Chester, PA 19016
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    A fraud alert requires creditors, who check your credit report, to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer's request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others.

    There are two main types of fraud alerts: initial fraud alerts and extended alerts. Servicemembers also have the option of an active duty alert.

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    Initial fraud alerts

    You can place an initial fraud alert on your credit report if you believe you are, or are about to become, a victim of fraud or identity theft. Credit reporting companies will keep that alert on your file for one year. After one year, the initial fraud alert will expire and be removed. You have the option to place another fraud alert at that time.

    When you place an initial fraud alert, creditors must take reasonable steps to make sure the person making a new credit request in your name is actually you before granting that request. If you provide a telephone number, the lender must call you or take reasonable steps to verify whether you are the person making the credit request before granting the credit.

    When you place an initial fraud alert on your file, you're entitled to order one free copy of your credit report from each of the nationwide credit reporting companies. These free reports do not count as your free annual report from each credit reporting company.

    Extended alerts

    You can also place an extended alert on your credit report after your identity has been stolen and you file an identity theft report.

    When you place an extended fraud alert on your file, you're entitled to order two free copies of your credit report from each nationwide credit reporting company over a 12 month period.

    An extended alert is good for seven years. It requires that the creditor contact you in person or through the telephone number or other contact method you designate to verify whether you are the person making the credit request before extending new credit.

    Security freezes

    Under federal law, you can freeze and unfreeze your credit record for free at the three nationwide credit reporting companies – Experian, TransUnion, and Equifax. A security freeze, also called a credit freeze, stops new creditors from accessing your credit file and others from opening accounts in your name, until you lift the freeze. The federal law requiring free security freezes does not apply to someone who requests your credit report for employment, tenant-screening, or insurance purposes.

    Unlike fraud alerts, if you place a security freeze with one credit reporting company, they will not notify the other credit reporting companies. You must contact each credit reporting company individually if you would like to place a security freeze with all three nationwide credit reporting companies.

    Because most businesses will not open credit accounts without checking your credit report, a freeze can stop identity thieves from opening new accounts in your name. Be mindful that a freeze doesn't prevent identity thieves from taking over existing accounts.

    Special help for servicemembers

    Members of the military – such as members of the Marines, Army, Navy, Air Force, and Coast Guard – have an additional option available to them: active duty alerts, which give service members protection while they are on active duty and assigned to service away from their usual duty station. These alerts last for 12 months.

    When you place an active duty alert on your credit report, creditors must take reasonable steps to make sure the person making the request is actually you before opening an account, issuing an additional credit card on an existing account, or increasing the credit limit on your existing account. Your name will also be removed for two years from the nationwide credit reporting companies' pre-screen marketing lists for credit offers and insurance.

    Blocking or removing fraudulent information from your consumer report

    If you’ve been a victim of identity theft, you can also get credit reporting companies to remove fraudulent information and debts from your credit report, which is called blocking. To do this, you must send the credit reporting companies:

    • An identity theft report, which can be done through IdentityTheft.gov
    • Proof of your identity
    • A letter identifying the fraudulent debts and information on your credit report

    Through IdentityTheft.gov , you can also get a sample letter to send to the credit reporting companies. Remember that you can use identity theft reports only for debts that are the result of identity theft. Credit reporting companies may decline to block or rescind a block if you make a material misrepresentation of fact about being a victim of identity theft or if you got goods, services or money as a result of the blocked transaction.

    Within four business days after receiving your request, the credit reporting company must block that information from your credit report. In addition, they must tell the companies that provided the information that someone stole your identity. Once notified, creditors can’t turn identity theft-related debts over to debt collectors.

    If you need to dispute a debt that is not the result of identity theft, read “How do I dispute an error on my credit report?”

    If you have a problem with credit reporting, you can submit a complaint to the CFPB.

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    + What happens if my car is repossessed? +

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    You have certain rights and protections if you’re at risk of or have had your car repossessed.

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    Losing a car to repossession can be financially and emotionally difficult. However, you do have certain rights and protections if your car has been repossessed because you were unable to make your car payments.

    Auto loan servicers must ensure that every repossession is lawful. If you believe your repossession is an error, contact your lender or servicer immediately, and if you’re not able to resolve it, you can submit a complaint and/or pursue a legal action in court.

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    Being notified before your car is repossessed

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    In many states, a lender can repossess a vehicle – without a warning or a court order – after you’ve missed payment, but other states require lenders or servicers to send you a notice before repossession, alerting you to what payments have been missed and allowing you time to make them up.

    If you’re an active-duty servicemember, the Servicemember Civil Relief Act (SCRA) prohibits repossessions without a court order for any auto loan contracts or agreements you entered into before your military service.

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    “Breaching the peace” during repossession

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    Under some state laws, a lender can’t repossess a vehicle unless they can do it without “breaching the peace,” which generally means:

    • Threatening or using physical force
    • Removing a vehicle from a closed garage without permission
    • Continuing with repossession after you have resisted or refused to allow the repossession

    If the lender commits a breach of the peace, you can contact law enforcement. A breach of the peace may also give you a claim for damages or a defense, which may lessen the amount you eventually owe after the sale of the vehicle.

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    Getting access to your belongings

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    It’s not unusual for people to have belongings stored in their cars when they’re repossessed. Contact your lender right away to arrange a time to retrieve your property.

    It is important to document what items you left in the vehicle and their estimated value. If the lender or repossessing company demands payment for return of your property, you should consult an attorney. In a public enforcement action, the Bureau found that an entity engaged in an unfair act or practice by withholding consumers’ personal property unless the consumers paid an upfront fee to recover the property. You can also file a complaint with your state attorney general or consumer protection office .

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    How a repossession affects your credit

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    Falling behind on car payments affects your credit, and this can make it harder or more expensive to get loans in the future. A repossession could also stay on your credit reports for up to seven years. Repossession can also mean paying higher insurance rates.

    If the repossession was in error, you can dispute it with the credit reporting companies to have it removed.

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    Catching up on your loan

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    In some states, laws grant you the right to pay to get your vehicle back after it’s been repossessed. These laws usually provide a time period when you can make up any overdue payments, as well as pay the additional costs associated with repossession. This process is referred to as curing or reinstating your loan.

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    Your rights if your vehicle is being sold

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    Even if you don’t live in a state with laws that allow you to cure or reinstate your loan, you have certain rights after your vehicle has been repossessed. You have the right to be notified before your vehicle is sold or kept as compensation for your debt. This gives you the opportunity to buy it back.

    For a public sale, your lender must notify you of the date, time, and place of the sale so you can have a chance to bid on the vehicle. For a private sale, the lender must notify you of the date when your vehicle could be sold. Regardless of whether it’s a public or private sale, you may be entitled to buy back the vehicle by paying the full loan amount, plus the repossession costs, before the sale. This is sometimes referred to as redemption.

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    + Additional protections and costs around repossession +

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    Even though you no longer have the vehicle, you may still be responsible for certain costs. Here’s what you need to know.

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    + Paying for repossession +

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    If your car has been repossessed, your lender generally charges a fee for picking it up. This fee, however, must be reasonable.

    What constitutes reasonable is generally determined by a court and depends on the type of vehicle taken, how it was taken, and where it was taken. You can ask your lender to provide a list of the repossession costs.

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    + Paying the deficiency balance or receiving the surplus +

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    If your vehicle is repossessed and sold, you may be responsible for paying the difference between the amount left on your loan, plus repossession fees, and the sale price. This is known as a “deficiency balance.” Similarly, if the car is sold for more than what you owe, you’re entitled to receive the surplus.

    Lenders must sell the car in a commercially reasonable manner, and it can be important for you to know how much it’s sold for. You can consult an attorney if you think the sale price in repossession was unreasonable.

    For example, if you owe $10,000 on the vehicle and your lender sells it for $7,500, you owe the deficiency of $2,500, plus any other fees for repossession. If you don’t pay the balance, the lender is allowed to hire a debt collector to collect it.

    Alternatively, in this example, if the car is sold for $12,000, you are entitled to receive the money above the amount you owe (after fees are paid).

    You could also have other rights under your state law, and you can find more information through your state attorney general and state consumer protection office or by consulting with a private attorney or your local legal services office.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-happens-if-the-company-that-i-send-my-mortgage-payments-to-changes-en-215/index.html b/www.consumerfinance.gov/ask-cfpb/what-happens-if-the-company-that-i-send-my-mortgage-payments-to-changes-en-215/index.html new file mode 100644 index 000000000000..1c0920c0dfaa --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-happens-if-the-company-that-i-send-my-mortgage-payments-to-changes-en-215/index.html @@ -0,0 +1,1470 @@ + + + + + + + What happens if the company that I send my mortgage payments to changes? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What happens if the company that I send my mortgage payments to changes? +

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    The company that you send your monthly mortgage payments to is your mortgage servicer. Your servicer can change.

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    Your mortgage servicer may transfer the mortgage servicing rights for your loan to another company to service your loan. 

    If your mortgage servicing rights are transferred to a new servicer, you will need to start sending your monthly payments to the new servicer after a certain date. You will also need to direct any questions about your loan to the new servicer.

    You should be notified of the transfer before it happens

    Your old and new servicers generally must send you a notice telling you about the transfer of the servicing rights to your loan. Your old servicer generally should send this notice at least 15 days before your loan’s servicing rights are actually transferred to the new servicer. Your new servicer generally should send a notice to you within 15 days after the servicing rights for your loan are transferred, unless it was combined with the first notice. The notice(s) should tell you: 

    • The date on which your old servicer will stop accepting payments 
    • The date on which your new servicer will begin to accept payments
    • The new servicer’s name and their contact information 
    • The specific date the right to service your loan transferred to the new servicer 
    Make sure to send your payments to the new servicer

    If you send your payments to the wrong servicer after you’ve been notified of the servicing transfer, your payments may not be credited properly. Here’s what to do:

    • Pay attention to the date you need to start sending your payments to the new servicer. Be sure to account for additional time if you send your mortgage payments by mail.
    • If you authorize your bank’s or credit union’s online bill payment system to automatically pay your mortgage payment, you will need to tell your bank or credit union to make those payments to the new servicer.  Learn more in our blog about automatic debit payments.
    • Carefully review your monthly mortgage statement to confirm that your payments are being credited accurately.

    Additionally, for 60 days from the date your loan servicing transfers, your new servicer cannot charge you a late fee or treat the payment as late if you sent it to your previous servicer on time or within the applicable grace period.

    Issues related to servicing transfers

    If you’re having issues with your mortgage because your servicer has changed, you may want to send both your old and new servicers an information request or a notice of error. For example, you should send a notice if:

    • You never received a notice of transfer
    • You think your payments are not being applied correctly
    • You had an application for loss mitigation with your old servicer and your new servicer isn’t working with you on that application

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    + What is a debt collector and why are they contacting me? +

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    A debt collector is generally a person or company that regularly collects debts owed to others or who has the primary purpose of collecting debts. They’re likely contacting you because they’re trying to reach a person who may owe a specific debt.

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    Debt collectors can include collection agencies or lawyers who collect debts as part of their business. There are also companies that buy past-due debts from creditors or other businesses and then try to collect them. These companies are also often called debt collection agencies, debt collection companies, or debt buyers.

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    Why is a debt collector calling me?

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    A debt collector may be trying to contact you because:

    • A creditor believes you are past due on a debt. Creditors may use their own in-house debt collectors or may refer or sell your debt to an outside debt collector.
    • A debt collector also may be calling you to locate someone you know, but the collector is not allowed to reveal that the consumer owes any debt.
    • A debt buyer has bought the debt and is now collecting that debt themselves or by using other debt collectors.

    If the debt collector is contacting you for payment on a debt, there is certain information they usually must give you in the initial communication or within five days of that initial communication.

    If you don’t believe you owe the debt or believe the amount is wrong, you can dispute it with the debt collector and the credit reporting company, if the debt appears on your credit report. If you dispute the debt in writing within 30 days of receiving the required information about the debt from the collector, then the debt collector must send you verification of the debt. You can also ask the debt collector for additional information.

    Learn more about what to do if a debt collector contacts you

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    Getting a debt collector to stop calling you

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    You can ask a debt collector to stop contacting you. Asking them to stop contacting you will not necessarily stop them from suing you or reporting the debt to a credit reporting company, which can affect your credit report and credit scores. If you don’t owe the debt or have already paid the debt, it is important to take action to contest the attempt to collect the debt.

    If you're having issues with debt collection, you can submit a complaint with the CFPB

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-a-fiduciary-en-1769/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-a-fiduciary-en-1769/index.html new file mode 100644 index 000000000000..1271f6709ffb --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-a-fiduciary-en-1769/index.html @@ -0,0 +1,1470 @@ + + + + + + + What is a fiduciary? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is a fiduciary? +

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    A fiduciary is someone who manages money or property for someone else. When you’re named a fiduciary and accept the role, you must – by law – manage the person’s money and property for their benefit, not yours.

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    If a family member or friend wants to name you their fiduciary to help them manage their money or property in case they’re unable to, they could do so through a power of attorney (POA). If you choose to accept this role and act on their behalf, you are required to follow the instructions and perform in accordance with the terms of the POA.

    There are also other types of fiduciaries, including guardians or conservators of property, trustees, Social Security representative payees, and VA fiduciaries.

    As a fiduciary, you have four basic duties:

    1. Act only in their best interest. Because you are dealing with someone else’s money and property, your duty is to make decisions that are best for them, not you.
    2. Manage their money and property carefully. You will have important financial responsibilities and must carry them out with care. You might pay bills, oversee bank accounts, and pay for things they need. You might also make investments, pay taxes, collect rent or unpaid debts, and get insurance for them, if needed.
    3. Keep their money and property separate. Never mix their money or property with your own or someone else’s. Confused records can get you in trouble with government agencies, like adult protective services, and the police.
    4. Keep good records. You must keep true and complete records of their money and property, or you could face legal consequences.

    For more information on your role as a fiduciary, check out our guides to managing someone else’s money.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-a-hud-approved-housing-counselor-how-can-they-help-me-en-261/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-a-hud-approved-housing-counselor-how-can-they-help-me-en-261/index.html new file mode 100644 index 000000000000..0b2c07cae1be --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-a-hud-approved-housing-counselor-how-can-they-help-me-en-261/index.html @@ -0,0 +1,1460 @@ + + + + + + + What is a HUD-approved housing counseling agency, and how can they help me? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is a HUD-approved housing counseling agency, and how can they help me? +

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    A housing counselor though a HUD-approved agency is specially trained and certified by the government to help you assess your financial situation, evaluate options if you are having trouble paying your mortgage loan, and make a plan to get you help with your mortgage. 

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    HUD stands for the Department of Housing and Urban Development. It’s a government agency that helps people get and maintain quality affordable housing. They train and sponsor housing counselors all over the country. Because of this, you can have confidence that a trained housing counselor is well equipped to help you understand and evaluate your options.

    HUD-approved housing counseling agencies provide foreclosure prevention counseling free of charge. They can also help you talk to your mortgage servicer and understand any options your servicer has offered. A housing counselor can also help you learn about the homebuying process.

    How to find a HUD-approved housing counseling agency

    There are different ways to find a trained housing counselor: 

    • Use the CFPB's Find a Counselor tool to get a list of HUD-approved counseling agencies in your area.
    • Call the HOPE Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).
    • Call the CFPB at (855) 411-CFPB (2372) to be connected to a housing counselor over the phone.

    What happens when you call a housing counselor

    If you’re calling because you’re having trouble paying your mortgage, the housing counselor will ask you for information about your mortgage loan, such as the amount you owe and the date of your last payment. This information is generally on your last mortgage loan statement. The housing counselor may also ask for information about your pay stubs, tax returns, recent bank statements, and other bills you pay each month, such as car loans and credit cards. The counselor is asking for this information to understand your financial situation and how much you can afford for a monthly mortgage payment. 

    If you’re having trouble paying your mortgage

    A housing counselor at a HUD-approved agency can't promise that you will get to keep your home. They will help you look at your options and make a decision that’s right for you.

    If you are facing imminent foreclosure or have been served with legal papers, you may also need to consult an attorney.  

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-a-remittance-transfer-en-1161/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-a-remittance-transfer-en-1161/index.html new file mode 100644 index 000000000000..17dca2935c6c --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-a-remittance-transfer-en-1161/index.html @@ -0,0 +1,1539 @@ + + + + + + + What is a remittance transfer and what are my rights? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is a remittance transfer and what are my rights? +

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    Federal law defines “remittance transfers” as most electronic money transfers from people in the United States who used “remittance transfer providers” to send money to recipients abroad.

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    Under federal law, remittance transfers generally describe electronic transfers of more than $15, sent by consumers in the United States to people or companies in foreign countries through a remittance transfer provider. Common terms for remittance transfers include “international wires,” “international money transfers,” and “remittances.”

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    Certain federal protections apply if you send money abroad

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    Under federal law, many money transmitters, a number of banks and credit unions, and possibly other types of financial services companies qualify as “remittance transfer providers.” According to the law, a remittance transfer provider is any entity that provides remittance transfers for a consumer in the normal course of its business.

    A company is not a remittance transfer provider if it provided 500 or fewer remittance transfers in the prior calendar year and provides 500 or fewer transfers in the current calendar year. If you use such a company to send a money transfer, then federal law does not require them to provide you with the following protections.

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    The right to receive certain information about your remittance transfer

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    Remittance transfer providers must generally provide you with certain information before and after you pay for a remittance transfer. This includes information about:

    • Fees and taxes they collect from you.
    • The exchange rate that applies to the transfer, if applicable.
    • Fees charged by the company’s agents abroad and certain other institutions involved in the transfer process.
    • The amount of money expected to be delivered, not including foreign taxes or certain fees charged to you by your financial institution.
    • If applicable, a statement that additional foreign taxes and fees may be deducted from the remittance transfer.

    You also must receive information about when the money will be available, instructions on your right to cancel transfers, what to do in case of an error, and how to submit a complaint.

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    The right to cancel a money transfer

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    After paying, you will typically have up to 30 minutes to cancel the remittance transfer at no charge, unless the transfer has already been picked up or deposited into the recipient’s account.

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    The right to resolve mistakes

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    You have 180 days to notify the remittance provider of a mistake, starting from the date disclosed by the remittance transfer provider as the date when the money will be available. Remittance transfer providers must investigate notices of error. Even though you have up to 180 days to report the mistake, if you think a mistake was made promptly contact the company. Remittance transfer providers generally have 90 days to investigate the matter and they must notify you of the investigation’s results. For certain types of errors, such as if the money never arrives, you may be able to get a refund or have the transfer resent.

    Other protections may be available to you, depending on how you send the money and the laws in your state.

    Learn more about money transfers.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-an-unfair-deceptive-or-abusive-practice-by-a-debt-collector-en-1401/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-an-unfair-deceptive-or-abusive-practice-by-a-debt-collector-en-1401/index.html new file mode 100644 index 000000000000..375f8bf73584 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-an-unfair-deceptive-or-abusive-practice-by-a-debt-collector-en-1401/index.html @@ -0,0 +1,1556 @@ + + + + + + + What is an unfair, deceptive or abusive practice by a debt collector? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is an unfair, deceptive or abusive practice by a debt collector? +

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    Federal law makes it illegal for debt collectors to use unfair or abusive practices or deceptive statements to collect a debt.

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    The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including:

    • Misrepresenting the nature of the debt, including the amount owed
    • Falsely claiming that the person contacting you is an attorney
    • Threatening to have you arrested
    • Threatening to do things that can’t legally be done or threatening to do things that the debt collector has no intention of doing.
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    Examples of unfair practices

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    Here are a few examples of what the FDCPA would consider a prohibited practice used to collect on a debt. Debt collectors are not allowed to:

    • Try to collect charges in addition to the debt unless they are allowed by the contract or law
    • Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the person’s social media contacts
    • Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies
    • Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt collector’s address or business name that doesn’t indicate it’s in the debt collection business
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    Examples of false or deceptive statements

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    Debt collectors are not allowed to falsely claim or imply that:

    • They are attorneys or government representatives
    • You have committed a crime by not paying a debt
    • They operate or work for a credit reporting company
    • You will be arrested or imprisoned if you don’t pay
    • They will garnish or seize your wages, bank account, or property
    • Documents that they send you are legal documents if they aren’t
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    Examples of harassment by a debt collector

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    A debt collector is also not allowed to harass, oppress, or abuse you or anyone else they contact. This includes repetitious phone calls with the intent to harass, use of obscene or profane language, and threats of violence or harm.

    Learn more about what’s considered an abusive practice

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    What to do if you think a debt collector violated the law

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    If you believe a debt collector is using an unfair, deceptive or abusive practice to collect a debt, you can submit a complaint with the CFPB and the Federal Trade Commission .

    There are also state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices. You can report the incidents to your state's attorney general .

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    + What is the best way to move my checking account to another bank or credit union? +

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    + When moving your checking account to a new bank or credit union, open the new account first and update any automatic transactions, direct deposit, or payment paperwork. +
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    If you decide to move your checking account to another bank or credit union, here’s how to make the transition a little smoother:

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    • Open the new account first.
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    • List all the automatic deposits and withdrawals scheduled to go in and out of your old account each month. Be sure to include any bills you have authorized to be paid directly from your checking account, such as utility bills or credit card bills.
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    • If you have direct deposit, fill out the papers directing your employer to reroute your paychecks to your new account. Do the same for any other direct deposit, such as Social Security payments.
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    • Find out the date your direct deposits will transfer. Once you know the date of the first direct deposit, arrange for your automatic debits and withdrawals to be made from your new account and be sure to cancel them from your old account.
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    • Leave enough money in your old checking account to cover any checks that haven’t cleared or automatic payments that haven’t been made to avoid any fees.
      • +
    • Once you’re certain all direct deposits and automatic payments are coming in to and going out of your new account, transfer the remaining funds from your old checking account into your new account. You can do this fastest electronically or by using a cashier’s check. Using a personal check may be cheaper than using a cashier’s check, but there may be a longer wait before it is available in your new account.
      • +
    • Once the transfer clears your new account, close the old account. Get written confirmation that the account has been closed.
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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-credit-report-and-a-credit-score-en-2069/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-credit-report-and-a-credit-score-en-2069/index.html new file mode 100644 index 000000000000..872c64f602e6 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-credit-report-and-a-credit-score-en-2069/index.html @@ -0,0 +1,1470 @@ + + + + + + + What is the difference between a credit report and a credit score? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is the difference between a credit report and a credit score? +

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    Your credit reports and your credit scores are two different things. A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Your credit scores are calculated based on the information in your credit report.

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    Your credit score, as well as the information on your credit report, are important for determining whether you’ll be able to get a mortgage, credit card, auto loan, or other credit product, and the rate you’ll pay. Your credit scores are calculated based on the information in your credit report.

    You have many different credit scores, and there are many ways to get a credit score. Your score can differ depending on which credit reporting agency provided the information, the scoring model, the type of loan product, and even the day when it was calculated. Higher scores reflect a better loan paying history and make you eligible for lower interest rates.

    Errors on your credit report can reduce your score artificially - which could mean a higher interest rate and less money in your pocket - so it is important to check your credit report and correct any errors well before you apply for a loan.

    You have many different credit scores infographic

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-fixed-apr-and-a-variable-apr-en-45/index.html b/www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-fixed-apr-and-a-variable-apr-en-45/index.html new file mode 100644 index 000000000000..48341d437378 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-fixed-apr-and-a-variable-apr-en-45/index.html @@ -0,0 +1,1465 @@ + + + + + + + What is the difference between a fixed APR and a variable APR? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What is the difference between a fixed APR and a variable APR? +

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    The difference between a fixed APR and a variable APR, is that a fixed APR does not fluctuate with changes to an index. A variable-rate APR, or variable APR, changes with the index interest rate.

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    A fixed-rate APR or fixed APR sets an APR that does not fluctuate with changes to an index. This does not mean that the interest rate will never change, but the issuer generally must notify you before the change occurs, and in most circumstances can apply the higher rate only to purchases and other transactions you make after you get the notice.

    A variable-rate APR or variable APR changes with the index interest rate, such as the prime rate published in the Wall Street Journal. The cardholder agreement will say how a card’s APR can change over time.

    You should be able to find a copy of the agreement on your card issuer’s website, and you can request a copy from your card issuer if it is not there. If you have any questions, you should contact your card issuer.

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    + What are the different ways to buy or finance a car or vehicle? +

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    The most common ways to get an auto loan are through your car dealer or a bank or credit union. Learn the differences and how to compare offers to get the best loan.

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    Most buyers need to get an auto loan to pay for a car or vehicle. While it may be convenient to get a loan through your dealership, it’s not your only option – and you’ll generally get better interest rates and loan terms by comparing offers between different lenders.

    At this stage, it’s important to:

    +
    +
    +

    Different sources for auto loan financing

    Dealer-arranged financing

    The car shopping process often begins at the dealership. If you need an auto loan, a dealer may offer to arrange financing for you. This is also called indirect auto financing because the dealer is between you and the lender.

    What to consider
    Once you’ve agreed to buy a car through that dealership, the salesperson will refer you to their finance and insurance department, where they’ll collect your information and forward it to one or more prospective auto loan lenders, which could include banks, credit unions, and nonbank auto finance companies. If a lender agrees to finance your loan, they’ll provide a quote to the dealer, which is known as a “buy rate.” Interest rates through a dealer are generally higher because the rate they offer you is their “buy rate” plus additional interest that compensates them for handling your financing.

    Most dealers will generally reach out to roughly five lenders and then choose one loan to present to you. You can ask if there were other offers and whether those had lower interest rates or better terms.

    Bank or credit union

    You can also go directly through a bank or credit union to finance your car or auto loan. You don’t have to work with the financial institution you bank with or are a member of, so it’s possible to shop around for different interest rates and loan terms. This tends to be the cheaper option because you avoid paying the additional markup to the dealer.

    What to consider
    The first step is to get preapproved by a bank or other lender. This will give you a loan quote, which will include an interest rate, loan length, and maximum loan amount based on a number of factors, including creditworthiness and terms of the loan. This quote allows you to shop around and compare different offers, including with what a dealer may provide.

    Buy Here, Pay Here dealership financing

    There are other types of dealers known as “Buy Here, Pay Here” where they finance loans to borrowers with no or poor credit histories. They may also advertise, “No Credit, No Problem.”

    What to consider
    The interest rate at these types of dealerships tends to be higher. You may want to consider whether the cost of the loan – including the costs you’ll pay over the life of the loan – outweighs the benefits of the vehicle.

    Even without a strong credit score or history, it may be worth checking with a bank or credit union to see if you could get a loan with better terms.

    Use our auto loan worksheet to compare financing offered by different lenders

    +
    +
    +

    Check and compare auto loan interest rates

    Regardless of who finances your auto loan, they’ll present you with a proposed interest rate – or how much you’ll pay each year to borrow money – and an APR – or the cost you’ll pay each year in interest as well as fees charged by the lender. Both are expressed as percentages and serve as important measures of the price you’ll pay for financing your auto loan.

    You can check and compare auto loan interest rates by getting quotes from different banks and credit unions. You can also research interest rates through online consumer marketplaces or comparison sites, but be aware that your information may be sent to prospective lenders.

    Learn how a lender decides what interest rate to offer you.

    Understanding how loan shopping impacts your credit
    Shopping early for interest rates allows you to comparison shop so you can get the best rate. This generally has a limited impact on your credit, unless you’re applying for multiple loans over a long period of time. When lenders check your credit, it’s a credit inquiry. If credit inquiries take place within 14 and 45 days, they’re considered one credit inquiry, and they won’t impact your credit.

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    Know your rights

    The Equal Credit Opportunity Act makes it illegal for lenders to consider a number of factors – including race, color, religion, sex, marital status – when deciding whether to offer you a loan or what the terms of that loan will be.

    Before you agree to a loan with a lender, they’re also required to provide you with written disclosures that list all of the important terms you’ll be legally bound to pay. These Truth-in-Lending or TILA disclosures provide important information on the costs you’ll pay over the life of the loan, including:

    • Annual Percentage Rate
    • Finance Charge
    • Amount Financed
    • Total of Payments
    • Total Sale Price

    If you have a problem with a financial product or service, you can submit a complaint with the CFPB.

    Learn more about auto loans

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-laws-limit-what-debt-collectors-can-say-or-do-en-329/index.html b/www.consumerfinance.gov/ask-cfpb/what-laws-limit-what-debt-collectors-can-say-or-do-en-329/index.html new file mode 100644 index 000000000000..4f9fea9be49d --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-laws-limit-what-debt-collectors-can-say-or-do-en-329/index.html @@ -0,0 +1,1495 @@ + + + + + + + What laws limit what debt collectors can say or do? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What laws limit what debt collectors can say or do? +

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    The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act (FCRA) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices.

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    The Fair Debt Collection Practices Act (FDCPA)

    The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you.

    The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesn’t cover business debts, and it also doesn’t generally cover collection by the original creditor or business you owed money to.

    Under the FDCPA, debt collectors can include collection agencies, debt buyers, and lawyers. Any FDCPA-covered debt collector who contacts you about a debt is required to tell you certain information about it.

    Limits on how debt collectors can communicate with you about a debt

    • Time and place. Generally, debt collectors may not contact you at an unusual time or place, or at a time or place they know or should know is inconvenient to you. They are generally prohibited from contacting you before 8 a.m. or after 9 p.m. Also, if a debt collector knows or has reason to know that you're not allowed to receive personal communications at work, they’re not allowed to contact you there. If they call you when it’s inconvenient for you to speak with them, you can tell them that and they’re required to terminate the call.
    • Social media and other electronic communications. A debt collector may not use social media to publicly post about a debt that they claim you owe. However, they can contact you privately on social media, unless you request that they not contact you that way. If the debt collector communicates with you using an email address, telephone text number or other electronic medium, they must offer you a reasonable and simple method for you to opt out.
    • Harassment. Debt collectors may not harass you or anyone else over the phone or through any other form of contact, including text or email.
    • Representation by attorney. If a debt collector knows that an attorney is representing you about the debt, the debt collector generally must stop contacting you and must contact the attorney instead. This is only true if the debt collector knows, or can easily find out, the name and contact information of your attorney. If an attorney is representing you and a debt collector calls, give them your attorney’s name and contact information and tell them that they should contact your attorney directly, instead of you. It’s also a good idea to keep all documents sent by a debt collector and write down dates and times of conversations, along with notes about what you discussed. These records can help you if you meet with a lawyer or go to court.

    Learn how to get a debt collector to stop contacting you.

    The Fair Credit Reporting Act

    The federal Fair Credit Reporting Act covers how financial matters, including debts, can be reported in your credit report.

    For example, if a debt collector provides or furnishes information to a consumer reporting companies that you believe is inaccurate, you have the right to dispute that information and the credit reporting companies must:

    • Note on your credit report that you are disputing the information
    • Investigate your dispute
    • Forward all documents you provide in support of your dispute to the company that provided that information
    • Report the results back to you

    Learn how to dispute an error on your credit report

    State debt collector regulations

    Most states have laws about debt collection practices, many of which are similar to the FDCPA. Some of those state laws cover the original creditor, while others don't. States also have unfair and deceptive acts and practices laws that may apply to debt collection. Contact your state attorney general's office to learn more about the laws in your state.

    If you're having an issue with debt collection, you can submit a complaint with the CFPB.

    Learn more about debt collection.

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    Companies can usually answer questions unique to your situation and more specific to the products and services they offer. If you have a complaint, tell us about your issue—we’ll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint.

    Learn how the complaint process works

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    There are federal protections to prohibit harassment or abusive communications by a debt collector. Ignoring or avoiding a debt collector, though, is unlikely to make the debt collector stop contacting you. They may find other ways to contact you, including filing a lawsuit.

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    While being contacted by a debt collector might feel overwhelming, talking with them can help you get more information about the debt. Ignoring or avoiding the debt collector is also unlikely to make them stop contacting you, and they may use other methods to try to collect the debt, including filing a lawsuit against you.

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    What to do when a debt collector contacts you

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    There’s certain information that debt collectors are generally required to provide to help you determine whether or not the debt is yours and to inform you how you can dispute the debt, if you don’t believe you owe it or the amount is incorrect. If they refuse to provide this information, it’s a warning sign that it may be a scam.

    Learn more about what you should do if a debt collector contacts you

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    How to respond if a debt collector sues you

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    If you ignore a debt collector’s attempts to contact you and they file a lawsuit to collect the debt, it’s important to take it seriously. Not responding to a properly served lawsuit – even if you’re unsure whether you owe the debt – can result in the court issuing a judgment against you, which could limit your ability to dispute the debt, even if it’s already been paid or you don’t owe it.

    Learn what to do if you’re sued by a debt collector

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    If you’re having problems making payments on an auto loan or lease, contact your lender or servicer as soon as possible to ask what options are available to you.

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    If you’re experiencing financial difficulties, it may be difficult to know where to start, but there may be a number of options to help you address short or longer-term financial challenges. You also have rights and protections if you’re at risk of having your car or vehicle repossessed.

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    How to get your auto loan back on track

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    • Contact your lender or servicer as soon as possible. As soon as you know you’re unable to make your monthly payment, contact your lender or servicer – whoever you make your payments to – to find out the options available to you, which may include affordable payment plans, changing your due date, or pausing your payments through forbearance. Learn how to find your lender or servicer
    • Get the agreement in writing. To avoid miscommunications, get the agreement with your lender or servicer in writing. You also want to ask how this new agreement would impact your credit report. If you’re told it won’t have an impact but it then appears on your credit reports, a written agreement provides evidence you can use to dispute the error with the lender or the credit reporting companies.
    • Refinance your auto loan. You can also talk with different lenders about refinancing your existing loan to get a lower interest rate or to spread out your payments over more time. Keep in mind, though, a longer loan term may mean cheaper monthly payments but more interest over the life of your loan. Learn what questions to ask when shopping for an auto loan.
    • Sell your vehicle. Another option is to sell your vehicle, but first, find out how much you owe on the auto loan and the approximate market value of your vehicle. If you owe less than the value of the vehicle, you can sell it and use the proceeds to pay off the loan. Check your auto loan contract to also see if you have a prepayment penalty for paying off early. In some cases, your lender may also be willing to buy back your vehicle.
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    How to get your auto lease back on track

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    • Contact your lessor as soon as possible. The dealership or company you leased your vehicle through – your lessor – may be willing to work with you on an affordable payment plan, especially if you have made timely payments in the past. If you do reach an agreement, get it in writing in case you need to dispute it later.
    • “Cure” or reinstate your lease. Within your contract or under state law, you might have the right to “cure” or reinstate your lease after missing a payment. If you have this protection, you have the right to make up missed payments before your car is repossessed. You would generally receive a notice after a missed payment and have one to two weeks to make it up. If it’s not in your contract, check with your state attorney general or consumer protection office as to whether it’s a protection under state law. Some states also allow you to reinstate your lease after your vehicle is repossessed, but this is rare.
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    Knowing your rights and protections around repossession

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    If you’re not able to make your payments and you haven’t been able to work out an alternative with the lender or loan servicer, you could be at risk of having your vehicle repossessed. In some cases, lenders can repossess vehicles without warning or court order after you’ve missed a payment.

    Losing a car to repossession can be financially and emotionally difficult, but it’s important to know that you have certain rights and protections. Auto loan servicers also need to ensure that every repossession is lawful.

    If you experience issues with a lender or servicer or your car has been repossessed in error, contact your lender or servicer immediately, and if you’re not able to resolve it, you can submit a complaint and/or pursue a legal action in court.

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    If you’re having problems with your escrow or impound account, contact your mortgage servicer right away. You may need to send an information request or notice of error.

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    An escrow account is an account set up by your mortgage lender to pay certain property-related expenses on your behalf, like property taxes and homeowners insurance. It’s set up to help you pay these expenses through your lender or servicer, little by little every month, instead of you getting a big bill once or twice a year. An escrow account is sometimes called an impound account. Learn more about how escrow accounts work. 

    Your property taxes and insurance premiums can change from year to year. If your property taxes and/or insurance premiums change, your total monthly payment will change.

    It’s a good idea to keep a close eye on your mortgage statements, and any tax and insurance bills, to be able to spot quickly if there are problems with your escrow account.

    Signs that there could be an issue with your escrow account include:

    • Changes in your total monthly payment without being notified that your taxes or insurance premiums are going to change
    • Servicer-purchased force-placed insurance, which your servicer is allowed to purchase and charge you for under certain circumstances
    • A notice from your local government that your property taxes haven’t been paid
    • If you notice any of the changes above, the first thing you should do is contact your servicer to verify that these changes aren’t due to a mistake on their end. 

    If you have a problem with your mortgage, you can submit a complaint to the CFPB online by calling (855) 411-CFPB (2372).

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    + What should I do if I’m sued by a debt collector or creditor? +

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    If you’re sued for an unpaid debt, you should respond to the lawsuit, either personally or through a lawyer by the date specified in the court papers.

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    If you have been sued or “served” by a creditor or debt collector for an overdue debt, read the lawsuit carefully and respond by the required deadlines. By taking this step, you can protect yourself and help avoid additional financial difficulties.

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    Why it’s important to respond when sued by a debt collector

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    When you respond to the lawsuit, a debt collector has to prove to the court that the debt is valid. If you owe the debt, you may be able to work out a settlement or other resolution with the collector. Responding doesn’t mean you’re agreeing that you owe the debt or that it is valid.

    If you don’t respond, the court could issue a judgment or court action against you, sometimes called a “default judgment.” For example, if you refuse to accept delivery or “service” of the lawsuit, the court could view this as ignoring a properly served lawsuit, and it’s unlikely that this tactic will be effective at defending yourself against the lawsuit.

    As a result, it's likely that a judgment will be entered against you for the amount the creditor or debt collector claims you owe, as well as lawful additional fees to cover collections costs, interest, and attorney fees as allowed by the judgment.

    Judgments also give debt collectors much stronger tools to collect the debt from you. You may lose the ability to dispute the debt, if you believe you don’t owe it or that the amount is wrong, and depending on your situation and your state’s laws, the creditor may be able to:

    • Garnish your wages
    • Place a lien against your property
    • Move to freeze funds in your bank account

    A judgment is a court order, so it can be very difficult to get it changed or set aside once the case is over. You have a much better chance to fight a collection in court if you defend the case than if you wait until a judgment is entered against you. You may also be able to work out a compromise or settlement by negotiating with the debt collector before a court makes a judgment.

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    Consult an attorney to learn more about your debt collection rights

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    Attorneys can help you understand both your federal and state protections, if you’ve been sued or threatened with a lawsuit by a debt collector.

    Some attorneys may offer free services or charge a reduced fee. You may also wish to find an attorney who has experience in the Fair Debt Collection Practices Act (FDCPA) and debt collection issues. There may also be legal aid offices or legal clinics in your area who will offer their services for free if you meet their criteria.

    If you’re a servicemember, consult your local JAG office or use the JAG Legal Assistance Office locator to find help or ask your installation’s financial readiness office for information.

    Learn more about how to find an attorney to advise you on your debt collection rights

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    When a debt collector can’t sue or threaten to sue

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    You have certain rights and protections when being contacted by a debt collector who is subject to the FDCPA. A debt collector can’t use the threat of a lawsuit to collect a debt if they do not intend to file a lawsuit. They also can’t sue or threaten to sue when the statute of limitations – or the period of time they have to file a lawsuit to collect a debt – has expired.

    Learn more about what debt collectors can say or do

    If you're having trouble with debt collection, you can submit a complaint with the CFPB.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-due-to-a-tenant-screening-report-en-2105/index.html b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-due-to-a-tenant-screening-report-en-2105/index.html new file mode 100644 index 000000000000..1fffd5d0a976 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-rental-application-is-denied-due-to-a-tenant-screening-report-en-2105/index.html @@ -0,0 +1,1443 @@ + + + + + + + What should I do if my rental application is denied due to a tenant screening report? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What should I do if my rental application is denied due to a tenant screening report? +

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    Federal law requires a landlord who denies your tenant application, due to information in a tenant screening report, to inform you of that fact.

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    The Fair Credit Reporting Act provides you with rights as both a rental applicant and a tenant. This federal law requires a landlord, who rejects or denies your tenant application due to information in a tenant screening report, to inform you of that fact. This notification is called an “adverse action” notice, and it must:

    • Be given in writing, orally, or electronically
    • Provide the name, address, and phone number of the company that provided the report
    • Notify you of your right to a free copy of the report if you request it within 60 days of the adverse action
    • Explain your right to dispute inaccurate information

    An adverse action not only includes being denied a rental, it could also include:

    • Requiring a co-signer on the rental agreement or lease
    • Requiring a larger deposit or a higher rent payment than other applicants

    Right to dispute errors on your reports

    You also have the right to dispute any errors on your tenant screening report and have them corrected, whether the information is inaccurate or outdated. The tenant screening or credit reporting company generally has 30 days to investigate your dispute, however, in some cases, they could have 45 days. Some states impose shorter deadlines.

    Steps to take if your rental application is denied

    If you’re denied a rental due to a tenant screening report, you can:

    • Try to find out from the landlord what information in the report was a problem to see if you can explain the situation.
    • Ask the landlord for a copy of the tenant screening report. The landlord must give you the name, address, and phone number of the tenant screening company, so you can get a copy from that company.
    • Review your tenant screening report, check for inaccurate or outdated information, and dispute any errors. If your tenant screening report contains a credit report from one of the nationwide credit reporting agencies, you can dispute that error with the credit reporting company or the company that provided the erroneous information or both.

    What you can do if your rights were violated

    If you believe that your rights have been violated, you may want to contact a lawyer. You may be able to sue for violations of the federal Fair Credit Reporting Act and any state law violations. If you sue under this federal law and win, you may be able to recover damages and your attorney fees. There will be applicable statutes of limitation or deadlines for bringing a lawsuit.

    Housing discrimination can take many forms . For example, a landlord that refuses to rent to anyone with a criminal history may be in violation of the Fair Housing Act. If you think a landlord discriminated against you by denying your rental application or by evicting you because of your race, color, national origin (country of origin or ancestry), religion, sex (including sexual orientation or gender identity), familial status (families with children or pregnancy), or disability, you can file a complaint with the Department of Housing and Urban Development .

    If you have a problem with credit or consumer reporting, such as tenant screening, you can submit a complaint online or by calling (855) 411-CFPB (2372).

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    If a debt collector contacts you, use the opportunity to find out about the debt, which will help determine if they’re legitimate and if you really owe it.

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    When a debt collector first contacts you about a debt, they are, in general, legally required to provide you with certain information about the debt during that initial communication or within five days of the initial communication. This validation information includes the name of the creditor, the amount you owe, and how to dispute the debt. If the debt collector doesn’t or can’t provide this information, it could be a scam. Never give sensitive financial information to the caller, at least not until you’ve confirmed they’re legitimate.

    Also, if the debt collector is collecting a valid debt, avoiding or ignoring their call usually won’t make them go away – they may instead find other ways to collect the money from you, including by filing a lawsuit. A debt collector can also help you understand if the debt is yours and what your options are, even if you can’t pay right now.

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    Communicating with debt collectors

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    In addition to using the validation information to follow up with the debt collector, you can use these sample letters to communicate with them:

    If you use any of these letters, it’s important to do so as soon as possible after the debt collector first contacts you, and to keep copies of any letters you send and any other communications. In certain situations, you only have 30 days after you’re contacted to ask for certain information, but even if more than 30 days pass, it’s still a good idea to ask for what you need. Note: These sample letters are not legal advice.

    If it is not your debt or you already paid it, providing documentation can also help your dispute. Ask the debt collector for any evidence they have that indicates you are the correct debtor and what they are relying on to calculate the amount due. You can also notify the debt collector in writing to stop communicating with you.

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    You have protections against harassment

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    While talking with a debt collector can be helpful, it’s also important to know that you have protections against repetitious, excessive and threatening communications. Under the Fair Debt Collection Practices Act, debt collectors violate the law when they harass, oppress, or abuse you.

    For example, if the debt collector is calling you at an inconvenient time or place, you have the right to ask the debt collector to call you at a more convenient time or place you specify.

    Learn more about the laws that limit what debt collectors can say or do

    If you're having an issue with debt collection, you can submit a complaint with the CFPB.

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    + Still having trouble with debt collection? +

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    Companies can usually answer questions unique to your situation and more specific to the products and services they offer. If you have a complaint, tell us about your issue—we’ll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint.

    Learn how the complaint process works

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    + What should I know before I finalize a car or auto loan? +

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    Once you’ve finished negotiating with your lender or dealer, make sure to review all aspects of your loan agreement before you sign your paperwork and drive off the lot.

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    If you’ve shopped around for the right car and auto loan and negotiated the details with your lender or dealer, you’re at the point of closing the deal. Before you sign on the dotted line and drive off the lot, here are a few important things to know:

    The federal Truth in Lending Act (TILA) requires lenders to provide you with written disclosures with all of the important details of your loan terms fully filled out before you sign the paperwork. Note: while TILA disclosures are typically presented to you just before you sign your loan contract, you can insist on receiving them earlier so you have time to review. You can also take those forms home with you to compare with other offers or to fully consider your options.

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    Check everything to ensure it’s what you agreed to

    Under TILA, lenders must provide specific information that helps to ensure your loan terms align with what you agreed to. The form must include:

    • Annual Percentage Rate (APR) – This is the cost you’ll pay each year to borrow money, which is your interest rate plus fees. Similar to an interest rate, it’s written as a percentage.
    • Finance Charges – The total amount of interest and certain fees that you’ll pay over the life of your loan, if you make every payment when it’s due.
    • Amount Financed – The amount of money you’re borrowing.
    • Total of Payments – The sum of all of the payments you’ll have made by the end of your loan.
    • Total Sale Price – The total cost of your purchase on credit, taking into consideration your down payment.

    The TILA disclosures will also include other important terms such as the number of payments, the monthly payment, late fees, whether you can prepay your loan without a penalty, and other important terms.

    Take time to review each detail of your contract. If you don’t understand any aspect of your loan, ask questions. And if you’re not comfortable with any aspect or process, walk away. No one can pressure you into a loan or vehicle you’re not comfortable with.

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    Finish your paperwork

    Before you leave the lot, make sure you’ve finished all of the paperwork:

    • All of the blanks have been filled in – some by you but most by the dealer
    • The paperwork has been signed by you and the dealer
    • You’ve received copies of all of your documents

    If the dealer asks you to sign a blank or partially filled in form, you should decline. Also, you may receive printed or electronic copies of your documents. If you receive them electronically, make sure they’re in a format that’s easy to access and can be saved or printed.

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    Watch for these details after you drive away

    After you’ve taken out a car loan, you should receive an introductory message from your lender. These communications will include information on where to send your payments and when they’re due.

    Make sure your monthly payments are on time in order to avoid late fees or possible repossession, as well as negative impacts on your credit score.

    Also – if you’re a servicemember, learn more about your special protections when paying back your auto loan and lease.

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    + What should I know before I shop for a car or auto loan? +

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    By making several important financial decisions before you shop for a car, you can ensure you’re getting the best interest rates and loan terms for your budget.

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    There are several important questions to ask before you purchase a car or vehicle:

    By answering these questions, you’ll make an informed choice before entering into a new auto loan.

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    How much can I afford?

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    It’s often tempting when shopping for a car to calculate a monthly payment by simply looking at the price of the vehicle, but this doesn’t take into account other factors that impact your monthly payments and what you’ll pay over the life of your loan.

    Factors that impact your monthly and overall loan costs:

    • Interest rate and APR
    • Taxes and fees
    • Optional add-ons and features
    • Auto insurance and ongoing maintenance costs

    While you can negotiate many of these items with your lender or dealer, they still play a significant role in your loan terms and the overall cost of borrowing money.

    Factors that may reduce your monthly and overall loan costs:

    • Saving for a larger down payment
    • Buying a less expensive vehicle
    • Getting fewer add-ons, features, or options

    Use our auto loan worksheet to compare costs and create a budget

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    How will my credit impact my interest rate?

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    Your credit report and scores are some of the most important factors in determining the rates a lender will offer you for an auto loan. In general, the lower your credit score, the more likely you’ll receive a higher interest rate, which would cost you more over the life of your loan.

    Every 12 months, you’re entitled to a free credit report from each of the three nationwide credit reporting companies – Equifax, Experian, and TransUnion – as well as many of the specialty credit reporting companies, and until the end of 2026, you can get an additional six free credit reports every 12 months from Equifax. Before shopping, review your credit reports to spot and dispute any errors or inaccuracies that may be impacting your credit score and preventing you from getting the best interest rates possible.

    Also, keep in mind that getting multiple credit checks from lenders can impact your credit score. While it’s important to get loan comparisons, keep these credit inquiries within 14 to 45 days of each other so they’re counted as only one inquiry. If you’re working through a dealer, they may reach out to roughly five potential lenders with your credit information, so you want to aim to keep the car-buying process to a few weeks.

    Learn how to get and keep a good credit score

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    Do I want or need a co-signer?

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    A co-signer is a person who would also sign onto your loan, contractually obligating them to pay it back if you’re unable to. If you have a limited or poor credit history, a co-signer with good or excellent credit could significantly lower your interest rate because the lender will use their credit history and score when calculating your rate.

    Keep in mind that co-signing a loan can be a significant obligation. If you’re considering asking a parent, friend, or family member to co-sign, it’s important to have a conversation beforehand about what happens if you’re unable to make your payments.

    In general, a lender or creditor can’t require you to have a co-signer, even a spouse, unless you’re applying for joint credit.

    Learn whether you’ll need a co-signer to finance your loan

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    How much is my trade-in worth?

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    If you have a car or vehicle you’ll be trading in, you can research its approximate value using a number of reputable third-party websites, including Consumer Reports, Edmunds, Kelley Blue Book and NADA Guides.

    Once you know how much its worth, you can consider using it as a trade-in – where you and your dealer negotiate the value that will be credited to your purchase of another car – or sell it yourself and use the money as a down payment. Both options decrease the amount you’ll need to borrow, so your decision to do a trade-in vs. selling it yourself should depend on which option offers you the greatest savings.

    Learn what happens if you still owe money on your trade-in or if you owe more than what your car is worth.

    Learn more about auto loans

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/what-things-can-i-negotiate-when-shopping-for-a-car-or-auto-loan-en-2132/index.html b/www.consumerfinance.gov/ask-cfpb/what-things-can-i-negotiate-when-shopping-for-a-car-or-auto-loan-en-2132/index.html new file mode 100644 index 000000000000..3467441cd9ff --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/what-things-can-i-negotiate-when-shopping-for-a-car-or-auto-loan-en-2132/index.html @@ -0,0 +1,1540 @@ + + + + + + + What things can I negotiate when shopping for a car or auto loan? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What things can I negotiate when shopping for a car or auto loan? +

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    When getting an auto loan, negotiating certain terms and features, including interest rates and add-ons, can save you hundreds or even thousands of dollars.

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    In addition to the price of the vehicle, there are the terms and costs of the auto loan that you may be able to negotiate or control. Together, these amounts can impact your monthly payments and lower your total costs, which could allow you to save a significant amount over the life of the loan.

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    What auto loan features and add-ons you can negotiate

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    Annual Percentage Rate (APR) and interest rate

    Getting a lower interest rate and APR means you will pay less to borrow money and the amount you’ll pay over the life of your loan will be lower. Lenders base your interest rate and APR on a number of different factors, but to get the lowest APR and interest rate, compare quotes from multiple lenders before you go into the dealership.

    For example, getting preapproved by a bank or credit union allows you to show other lenders or your potential dealership the rates you’ve been offered, with the goal of getting competitive offers.

    Length of the loan

    A shorter loan term, where you make a fewer number of monthly payments, will reduce your loan cost overall. While a longer loan can reduce your monthly payment, you’ll end up paying more interest over the life of your loan.

    A longer loan also puts you at risk of having negative equity for a longer period of time, meaning you owe more than the vehicle is worth. For example, if you try to sell or trade-in your car before it’s paid off, you’d still owe money on your loan. The risk of negative equity also depends, in part, on the resale value of used vehicles, which can fluctuate.

    Prepayment penalty

    If you have a prepayment penalty in your loan terms, you’ll be charged a fee or penalty if you were to pay off the loan early. Ask your lender or dealer if your loan has a prepayment penalty, and if so, you can negotiate to have it removed.

    Optional add-on products

    Add-on products and services are optional. You’re not required to purchase them, but if you choose to, the price is negotiable.

    This may include physical features – such as alarm systems, window tinting, and tire or wheel protection – but it can also include:

    Keep in mind that if you agree to include add-on features or credit products in your auto loan, it’ll increase both your monthly payments and the total amount you’ll need to borrow and pay back.

    Vehicle trade-in value

    If you’re looking at trading in your current vehicle, a good first step is to get an approximate value for your trade-in by using online resources, including Consumer Reports, Edmunds, Kelley Blue Book and NADA Guides. Again, the market for used vehicle, which can fluctuate, can also impact your trade-in value. Compare the value you’d get at different dealers vs. selling it to another person directly and putting that money towards a down payment on a new car.

    If you have an outstanding balance on your vehicle, understand how much more you’ll need to pay in order for your old loan be paid off. A dealer may offer to “roll in” the balance of your old loan, but beware that this adds costs to your new loan. Learn what you need to do if you owe more on an auto loan than what your car is worth.

    Additional fees associated with purchasing a vehicle or your loan

    This may include fees charged by the dealer, such as preparation fees, origination fees, document fees, delivery charges, and market adjustments or fees that increase the price over MSRP.

    What you can’t negotiate

    You can’t negotiate taxes, title, or registration fees set by your local and state government.

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    Other factors that affect the amount you’ll borrow

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    • Down payment – The larger the down payment, the less you need to pay back. In fact, increasing your down payment may also decrease your interest rate.
    • Manufacturer incentives – Manufacturers offer special deals to advertise certain vehicle models, such as cash rebates or special financing offers, but make sure to read the fine print because these offers may not be available to everyone.
    • Car insurance – While auto insurance is separate of your loan, it’s something that should factor into what you’re paying each month for your car. All lenders require that you have insurance, and if you don’t, they may take out “force-placed” insurance, which is more expensive than what you can get on your own.
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    How to look at your total loan costs vs. monthly payments

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    Many people think about a loan in terms of their monthly payment. Instead, the total cost of the loan matters. For example, if you reduce your monthly payment by taking out a longer loan, you will pay more in interest over the life of your loan.

    In a sample $20,000 car loan with a 4.75 percent interest rate, you’d pay $597 a month and $1,498 in total interest with a three-year loan term. With a six-year car loan, you’d pay $320 a month and $3,024 in total interest.

    Sample loan amount: $20,000. Interest rate: 4.75%.
    The numbers have been rounded to the nearest dollar.

    When thinking about your overall financial costs and monthly expenses, it’s also important to keep in mind the monthly cost of insurance as well as the routine and unexpected.

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    How to keep track of multiple factors when negotiating

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    Because there are several factors to keep track of as you’re negotiating the best auto loan for your new car or vehicle, you want to make sure you’re writing down or capturing the key details in order to better compare and negotiate.

    You may also want to negotiate some of the details separately in order to get the best price. For example, while a dealer may quote you the value of your trade in, you may get a better interest rate and loan terms through a bank or credit union.

    When talking with any dealer or lender, ask them to provide:

    • Trade-in value of your current vehicle (if applicable)
    • Interest rate
    • Term of the loan
    • Estimated monthly payment

    It’s important to get these numbers early in the process. The first quote you receive – whether from a dealership or a bank or credit union – may not be the lowest rate you qualify for. When negotiating, you can also ask for a better rate or more favorable terms.

    Download our auto loan worksheet to help track your auto loan details so you can better compare and negotiate.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-credit-counselor-and-a-debt-settlement-or-debt-relief-company-en-1449/index.html b/www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-credit-counselor-and-a-debt-settlement-or-debt-relief-company-en-1449/index.html new file mode 100644 index 000000000000..4d77b42f7a97 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-credit-counselor-and-a-debt-settlement-or-debt-relief-company-en-1449/index.html @@ -0,0 +1,1486 @@ + + + + + + + What's the difference between a credit counselor and a debt settlement or debt relief company? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + What's the difference between a credit counselor and a debt settlement or debt relief company? +

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    Credit counseling organizations are usually non-profit organizations that advise you on managing your money and debts and usually offer free educational materials and workshops. Debt settlement companies offer to arrange settlements of your debts with creditors or debt collectors for a fee. 

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    Credit counseling services to help you deal with debt are different from debt settlement or debt relief companies in a number of important ways.

    Credit counseling services that assist with debt:

    • Usually non-profit organizations
    • Advise you on managing your money and debts and help you budget your payments
    • Reach agreed upon payment plans or agreements with your creditors to ensure that the creditors will not pursue collection efforts or charge late fees while on the plan
    • Usually do not negotiate any reduction in the amounts you owe - instead, they can lower your overall monthly payment
    • Do not advise you to stop paying your debt, but may help negotiate your monthly payments
    • Payment plans do not usually have tax implications

    Debt settlement companies:

    • Usually are for-profit companies that charge a fee for their services. Generally, these companies cannot charge you until after they perform services
    • Offer to arrange settlements of your debts with creditors or debt collectors
    • Often have no up-front agreements with creditors. Some creditors will not negotiate with debt settlement companies
    • Typically offer to pay off your debts with a lump sum payment that you save up in an independent account that you control
    • Usually advise that you stop paying your creditors until a debt settlement is negotiated with creditors, which may damage your credit and result in your being sued
    • Debt settlement may involve debt forgiveness, which may have tax implications
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    Credit counseling 

    Credit counseling organizations are usually non-profit organizations that advise you on managing your money and debts. They usually offer free educational materials and workshops. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

    Note: Credit counselors may help you organize a "debt management plan" for all your debts. Under a debt management plan you make a single payment to the credit counseling organization each month or pay period. The credit counseling organization then makes monthly payments to your creditors.

    Under debt management plans credit counselors usually do not negotiate any reduction in the amounts you owe - instead, they can lower your overall monthly payment. They may do so by getting the creditor to increase the time period over which you can repay a loan.  They may also get creditors to lower the interest rates. Although most credit counseling organizations are non-profits, they may charge fees for their services that they take out of the payments you make to them.

    Debt settlement

    Debt settlement companies offer to arrange settlements of your debts with creditors or debt collectors for a fee. They typically offer to pay off your debts with lump sum payments that you have to save up before a settlement. If a debt settlement company requires you to save up funds in an account, these funds still belong to you. The account must be administered by an independent third party and be under your control. You are entitled to withdraw funds held in that account at any time without penalty.

    Fees 

    The Federal Trade Commission has adopted a rule that says you can't be charged a fee until the debt settlement company has met three requirements:

    1. A successful result must be reached. The debt settlement company must have renegotiated, settled, reduced or otherwise changed the terms of at least one of your debts.
    2. There must be an agreement between you and the creditor/debt collector. You must agree to the settlement agreement, debt management plan, or other result reached by the debt settlement company with your creditor or debt collector.
    3. You must have made a payment to the creditor. You must have made at least one payment to the creditor or debt collector as a result of the agreement negotiated by the debt settlement company.

    If you are considering debt settlement, make sure you carefully read your contract so you know how fees are determined.

    Warning: Beware of debt settlement companies that charge up-front fees in return for promising to settle your debts. You can't be charged a fee before they actually settle or reduce your debt. You should also be cautious of debt settlement companies that instruct or advise you to stop making payments to your creditors. If you stop making payments, you will likely damage your credit. You may face collection efforts, additional late fees, and penalty interest charges, and you might be sued. These fees and charges will cause your debts to grow larger. In this way, debt settlement may cause your total debt-load to grow, even if the debt settlement company settles one or more of your debts.

    Other information to keep in mind

    • Many creditors will not negotiate with debt settlement companies.  Also, many creditors and debt collectors will not negotiate how much they will settle for. Instead, they will have standard policies about how much loan principal they will forgive when you haven't made payments for a certain period of time. This means debt settlement companies usually can't get better terms than you could get by negotiating with your creditors and collectors yourself.
    • Debt settlement companies cannot guarantee the amount of money or percentage of debt that you might save by using their services. They also can't guarantee how long the process will take. Beware of companies that say otherwise.
    • Neither credit counselors nor debt settlement companies can erase all of your debts.
    • If you simply don't have enough income to pay what you owe, you may also consider filing for bankruptcy. Consult a bankruptcy attorney to learn more.
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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/when-can-i-be-denied-a-checking-account-based-on-my-past-banking-history-en-1113/index.html b/www.consumerfinance.gov/ask-cfpb/when-can-i-be-denied-a-checking-account-based-on-my-past-banking-history-en-1113/index.html new file mode 100644 index 000000000000..9a1f1259bdd5 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/when-can-i-be-denied-a-checking-account-based-on-my-past-banking-history-en-1113/index.html @@ -0,0 +1,1470 @@ + + + + + + + When can I be denied a checking account based on my past banking history? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + When can I be denied a checking account based on my past banking history? +

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    If a bank or credit union denied your application for a checking account, it may be because a checking account reporting company has negative information in its files about your checking history.

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    You may have negative information in your file if you had a checking account before and you: 

    • Have an unpaid negative balance on that account, such as from an overdraft, that you have not repaid and the account was closed by the bank or credit union (this is called an “involuntary closure”).  
    • Were suspected of fraud related to a checking account. 
    • Had a joint account with someone else who had these types of problems.

    Banks and credit unions supply this type of negative information to checking account reporting companies, such as Chex Systems and Early Warning Services.  These companies compile and use the information to create reports of an individual’s prior checking account history.  Banks and credit unions may use these reports to help determine whether to offer you a checking account and the type of checking account to offer you. (Retailers may use a similar report to decide if they will accept your checks.

    What are my rights?

    Accuracy

    Checking account reporting companies must comply with the federal Fair Credit Reporting Act (FCRA). This means they must follow reasonable procedures to assure maximum possible accuracy of the information in the reports, and they can’t include most negative information that’s more than seven years old.  In practice, some checking account reporting companies disregard information that is more than five years old.

    Know what’s in your report

    Nationwide checking account reporting companies must provide consumers with one free annual report per year, upon request.  You have to request the reports individually from each reporting company. We’ve put together a list of some of these checking account reporting companies , along with some information about how you can obtain copies of your reports.

    You also have the right to request a free report if you have received an “adverse action” notice. For example, let’s say a bank turns you down for a checking account based on a checking account report. This is an example of an “adverse action”. The bank must provide you with an “adverse action” notice that includes the name and contact information of the checking account reporting agency from which the bank got the report. You can contact the reporting company and request a free copy of the report.

    Investigate and correct errors

    All checking account reporting companies must investigate consumers’ disputes of inaccurate information on their reports and correct any inaccurate information. Banks and credit unions that report information to checking account reporting companies also have an obligation to investigate and correct disputed information. 

    Here are some steps you can take if you’ve been denied an account:  

    Get a copy of your checking account report and review it for any errors

    Ask the bank or credit union to provide you with the name of the checking account reporting company that provided the negative information. Contact the company to obtain a free copy of your report and review it for any errors. If you spot any errors, file a dispute.

    Check your other credit reports. Some banks and credit unions will use your traditional credit reports, in addition to, or instead of a checking account report, to decide whether to give you a checking account. Get more information about requesting copies of your credit reports.

    Find out if the bank or credit union has steps you can take to open an account, or offers lower-risk accounts

    If not, consider trying another financial institution. Each bank or credit union has its own policies about the way the information in your checking account report impacts your ability to open an account.  Some banks and credit unions require you to pay any old, unpaid charges and fees before you are allowed to open a new account. Many banks and credit unions offer checking accounts and prepaid cards that are designed to reduce risks for both you and financial institution, by preventing overdraft and overdraft fees.  Because these products are considered less risky, many banks and credit unions may be less reliant on checking account reports when making a decision about a potential customer. As a result, you may be able to qualify for one of these products even if you were denied for another product recently.

    For more information, see our consumer guides on choosing and managing checking accounts: 

    You might also consider getting a prepaid card.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/index.html b/www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/index.html new file mode 100644 index 000000000000..b5842a790a6a --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/index.html @@ -0,0 +1,1552 @@ + + + + + + + When can I remove private mortgage insurance (PMI) from my loan? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + When can I remove private mortgage insurance (PMI) from my loan? +

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    You have the right to remove PMI for many mortgages, once you have paid down your mortgage to a specified point. Ending PMI reduces your monthly costs.

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    Some lenders and servicers may allow removal of PMI under their own standards. The information below describes the legal requirements that apply to mortgages for single-family principal residences that closed on or after July 29, 1999.

    Mortgages through the Federal Housing Administration (FHA) or Department of Veterans Affairs (VA) have different requirements. For answers to questions about mortgage insurance on an FHA or VA loan, contact your servicer. If your lender is paying for your mortgage insurance, different rules apply.

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    Can I request cancellation of my PMI when my principal balance is 80 percent of the home’s original value?

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    Yes. You have the right to ask your servicer to cancel PMI on the date the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. The first date you can make the request should appear on your PMI disclosure form, which you received along with your mortgage. If you can't find the disclosure form, contact your servicer.

    You can ask to cancel PMI ahead of the scheduled date, if you have made additional payments that reduce the principal balance of your mortgage to 80 percent of the original value of your home.

    For this purpose, “original value” generally means either the contract sales price or the appraised value of your home at the time you purchased it, whichever is lower. But, if you have refinanced, the “original value” is the appraised value at the time you refinanced.

    Your servicer is legally required to grant your request to cancel your PMI as long as you meet the criteria below:

    • You make your request in writing
    • You have a good payment history and are current on your payments
    • You can certify that there are no junior liens (such as a second mortgage) on your home
    • You can provide evidence (for example, an appraisal) that the value of your property hasn’t declined below the original value of the home—if it has, you may not be able to cancel PMI on schedule
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    Is my PMI automatically canceled once my principal balance is 78 percent of the home’s original value?

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    Yes. Even if you don’t ask your servicer to cancel PMI, in general, your servicer must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date.

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    Is my PMI is automatically canceled once I am halfway through my loan’s term?

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    Yes. Your lender or servicer must end the PMI the month after you reach the midpoint of your loan’s amortization schedule. (This is true even if the principal balance has not reached 78 percent of the original value of your home.) The midpoint of your loan’s amortization schedule is halfway through the original full term of your loan. For 30-year loans, the midpoint is after 15 years have passed.

    This standard for ending the PMI halfway through the loan’s original term is more likely to occur for people who have a mortgage with an interest-only period, principal forbearance, or a balloon payment. Keep in mind that you must be current on your monthly payments for termination to occur.

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    Can my PMI be canceled earlier if I have a loan backed by Freddie Mac or Fannie Mae?

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    Yes. Loan investors, including Fannie Mae and Freddie Mac, often create their own PMI cancellation guidelines. But these guidelines cannot be less favorable to the borrower than the ones above.

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    + Still have questions about your mortgage? +

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    We can help you understand how to read your mortgage statement, where to get help if you are struggling to pay your mortgage, and more.


    Explore our resources on Mortgages

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/when-can-my-credit-card-company-increase-my-interest-rate-what-can-i-do-to-get-the-rate-back-down-en-69/index.html b/www.consumerfinance.gov/ask-cfpb/when-can-my-credit-card-company-increase-my-interest-rate-what-can-i-do-to-get-the-rate-back-down-en-69/index.html new file mode 100644 index 000000000000..9c6ab9a3dea3 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/when-can-my-credit-card-company-increase-my-interest-rate-what-can-i-do-to-get-the-rate-back-down-en-69/index.html @@ -0,0 +1,1465 @@ + + + + + + + When can my credit card company increase my interest rate? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + When can my credit card company increase my interest rate? +

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    Credit card companies can usually increase your interest rate if they give you 45 days of advanced notice, but there may be steps you can take to lower your credit card interest rate.

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    Your card issuer generally must give you 45 days of advanced notice before it raises your credit card interest rate for new purchases you make with that card. Card companies are generally restricted from raising the interest rate for your existing balance, but there are certain exceptions.

    Interest rate changes for new credit card purchases

    A credit card company is generally not permitted to increase your interest rate on new transactions during the first year of your credit card account.

    After that initial year, they’re required to provide 45 days of notice before an interest rate change, and any purchases you make with the card more than 14 days after the advanced notice are considered new transactions.

    Interest rate changes for an existing credit card balance

    A card company is not permitted to increase your interest rate on your existing purchases, except under the following circumstances:

    • A temporary rate – such as a low rate on a balance transfer – expires. That temporary rate must last for at least 6 months.
    • You have a variable interest rate and the index to which your rate is tied (for example, the U.S. Prime Rate) has increased.
    • Your minimum payment has not been received within 60 days after the due date.
    • You successfully complete or fail to comply with the terms of an arrangement with your card issuer to lower your interest rate. · Your protections under the Servicemembers Civil Relief Act (SCRA), if applicable, expire.

    Lowering your credit card interest rate

    If your credit card company increased your interest rate after giving you a 45-day advanced notice, it generally must review and re-evaluate the interest rate for your account at least every six months.

    The card issuer may – and in some circumstances must – compare the rate you’re being charged with the rate the card issuer would charge you today if you applied for a new card. If your rate is higher than what you would be charged as a new customer, the card issuer must reduce your rate. However, this rate will not necessarily be as low as your original rate.

    If your rate increased because of certain factors, including being late on a payment, the card issuer may consider whether the factors that led the increase still apply.

    For example, you may also be able to lower your interest rate by consistently making your payments on time. If your rate increased because you were more than 60 days late in making a payment, the card issuer must reinstate your old interest rate if you make six consecutive on-time payments of your minimum balance after the effective date of the increase.

    Contact your card issuer if you believe your interest rate was increased in error.

    Learn more about credit cards

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/when-i-went-to-use-my-credit-card-the-store-told-me-the-charge-was-not-147authorized148-what-does-that-mean-what-can-i-do-en-32/index.html b/www.consumerfinance.gov/ask-cfpb/when-i-went-to-use-my-credit-card-the-store-told-me-the-charge-was-not-147authorized148-what-does-that-mean-what-can-i-do-en-32/index.html new file mode 100644 index 000000000000..1d8391f46d73 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/when-i-went-to-use-my-credit-card-the-store-told-me-the-charge-was-not-147authorized148-what-does-that-mean-what-can-i-do-en-32/index.html @@ -0,0 +1,1465 @@ + + + + + + + When I went to use my credit card the store told me the charge was not "authorized". What does that mean? What can I do? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + When I went to use my credit card the store told me the charge was not "authorized". What does that mean? What can I do? +

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    If a charge is not authorized, it usually means that there is a problem with the account or that you are at, near, or over your credit limit.

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    Usually, when you use your credit card at a store the merchant obtains authorization from the card issuer. This authorization tells the merchant that your account is valid and that sufficient credit is available to cover the purchase.

    However, sometimes the merchant is unable to connect with your card issuer because of a technological glitch. You should call the card issuer to find out the reason the charge was not authorized.

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/why-did-i-get-a-low-credit-limit-on-a-credit-card-en-11/index.html b/www.consumerfinance.gov/ask-cfpb/why-did-i-get-a-low-credit-limit-on-a-credit-card-en-11/index.html new file mode 100644 index 000000000000..c68ef570ea09 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/why-did-i-get-a-low-credit-limit-on-a-credit-card-en-11/index.html @@ -0,0 +1,1470 @@ + + + + + + + Why did I get a low credit limit on a credit card? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Why did I get a low credit limit on a credit card? +

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    There are a variety of reasons you may have been offered a credit card with a low credit limit. To understand why, you can examine your credit report or, in some circumstances, request more information about the decision from the lender.

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    Credit card companies usually determine your credit limit only after you’ve applied for a credit card. To make this assessment, they generally review your credit report and history as well as the income information you provided on your application.

    If you’re issued a credit card with a low credit limit, it could be for a number of reasons, including:

    • Poor credit history
    • High balances with other credit cards
    • Low income
    • Small credit limit for that specific card

    There are some circumstances in which it is possible to find out more about the factors that went into that determination, including:

    • If you were turned down for one card and offered a different card with different terms that you do not expressly accept, the credit card company has to tell you the reasons it denied your application. If the credit card company says you can apply for a different card with different terms than the card you applied for, the card issuer must provide key disclosures about the new offer on or with the application.
    • If a card issuer decreases your credit limit on an existing card, the credit card company generally must give you an “adverse action notice.” While card issuers can increase or decrease your credit limit without giving you notice, this adverse action notice must provide specific reasons for the action taken or allow you to request a statement of specific reasons.

    In order to better understand the factors related to your financial situation that may have contributed to your low credit limit offer, you can examine your credit report. You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian, and TransUnion). In addition, you can also consider the broader economic factors; for example, during the COVID-19 pandemic, many credit card companies reduced credit limits due to economic uncertainty.

    Learn more about credit cards

    Learn more about credit line decreases

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    + + \ No newline at end of file diff --git a/www.consumerfinance.gov/ask-cfpb/why-did-my-monthly-mortgage-payment-go-up-or-change-en-213/index.html b/www.consumerfinance.gov/ask-cfpb/why-did-my-monthly-mortgage-payment-go-up-or-change-en-213/index.html new file mode 100644 index 000000000000..97390ea42dc1 --- /dev/null +++ b/www.consumerfinance.gov/ask-cfpb/why-did-my-monthly-mortgage-payment-go-up-or-change-en-213/index.html @@ -0,0 +1,1478 @@ + + + + + + + Why did my monthly mortgage payment go up or change? | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Why did my monthly mortgage payment go up or change? +

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    Several things can cause your mortgage payment to change. Check your mortgage statement or contact your servicer and ask them to explain.

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    There are several reasons why your monthly mortgage payment may have changed. Some examples include:

    1. You have an adjustable rate mortgage (ARM) and the interest rate changed. Check the type of mortgage you have. Some homeowners believe that they have a fixed-rate mortgage loan, when their loan actually includes an adjustable-rate or some other feature that can cause their interest rate and payment to change.
    2. You have an interest-only or pay-option loan and you are starting to pay principal. With these loans, you can postpone making principal payments for a while. That means that for a period of time you are only paying off the interest that’s accumulating on the amount you borrowed to pay for your home. Eventually, you have to start paying principal, or the actual amount you owe on the home, and that will make the monthly payments go up.
    3. You have an escrow account to pay for property taxes or homeowners insurance premiums, and your property taxes or homeowners insurance premiums went up. Check your monthly mortgage statement. If your monthly mortgage payment includes the amount you have to pay into your escrow account, then your payment will also go up if your taxes or premiums go up. Learn more about escrow payments.  
    4. You have a decrease in your interest rate or your escrow payments. It could also be because you stopped paying for private mortgage insurance. If you have private mortgage insurance, your payments may change once you are able to and do cancel the insurance.
    5. You were charged new fees. Your servicer may have charged you fees that increased your monthly payment. Check your monthly mortgage statement or any correspondence you recently received from your lender or servicer. 
    6. It’s also possible that your mortgage servicer simply made a mistake. If you think your servicer made a mistake, first call your servicer to check. While on the phone, explain the situation to the servicer. Ask for a corrected statement. Also, ask for a reference number and the name of the person you are talking to, and take detailed notes on what you talked about and the date of the call, so you can keep track for your records.  If your servicer doesn’t fix the problem over the phone, send a notice of error to your servicer explaining why you think it made a mistake in calculating your loan payment. Make sure you send the notice to the address your servicer uses for errors and information requests. This address should be listed on your statement or the servicer’s website – it might be different from the address where you send your payments.

    If you still don’t understand why your payment changed, you should call your mortgage servicer, and you may also want to send an information request. 

    Tip: Use this checklist to see what steps you can take to make sure your mortgage is on the right track. 

    If you have a problem with your mortgage, you can submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372). 

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    + Still have questions about your mortgage? +

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    We can help you understand how to read your mortgage statement, where to get help if you are struggling to pay your mortgage, and more.


    Explore our resources on Mortgages

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    You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). 

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    CFPB Ombudsman

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    + The CFPB Ombudsman’s Office is an independent, impartial, and confidential resource to help you informally resolve process issues arising from CFPB activities. +
    +

     

    You may want to contact the CFPB Ombudsman if you are a consumer, financial entity, consumer or trade group, or anyone else who has a process issue from interacting with the CFPB and you:

    • have not resolved that issue after contacting the CFPB itself or
    • want to share it with the CFPB Ombudsman in confidence
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    Our role

    In keeping with ombudsman principles, we are:

    Independent

    The CFPB Ombudsman reports to the CFPB’s Deputy Director with access to the Director. This reporting line ensures the Ombudsman’s independence within the CFPB. It also allows us to act as an early warning system and serve as a catalyst for change.

    Impartial

    We do not advocate for one side, but for a fair process.

    Confidential

    We have put safeguards in place to preserve confidentiality. We will not share your identifying information outside the Ombudsman’s Office unless you tell us we can. We also may have to share it if there is a threat of imminent risk of serious harm, you have raised an issue of government fraud, waste, or abuse, or if required by law.

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    Our work

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    FAQs

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    Find answers to some of the most frequently asked questions about the CFPB Ombudsman’s Office.

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    Resources

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    Share our printable brochure and information sheet with your friends, family, and colleagues to introduce them to the CFPB Ombudsman’s Office.

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    Reports

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    Our Office Charter requires that we submit an annual report to the CFPB Director no later than November 15 each year. This report includes information on systemic issues reviewed that year, our individual inquiry analysis, descriptions of our inreach and outreach activities, and more.

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    Charter

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    The CFPB Ombudsman’s Office Charter sets out how we do our work. It includes such topics as the ombudsman principles, office focus areas, access to people and information, and regular reporting.

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    How we share complaint data

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    Each week we send thousands of consumer complaints about financial products and services to companies for response. Data from those complaints helps us understand the financial marketplace and protect consumers.

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    Ways we use complaint data

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    • We forward each complaint to the appropriate company for a response.
    • We share complaint data with state and federal agencies. We also present reports to Congress.
    • We analyze complaint data to help with our work to supervise companies, enforce federal consumer financial laws, and write better rules and regulations.
    • We publish complaints in the Consumer Complaint Database (without information that directly identifies you).
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    What we publish in the Consumer Complaint Database

    Complaints must meet all of the publication criteria in our policy statement , narrative data policy statement , and narrative scrubbing standard .

    Types of complaint data we publish

    We publish complaints after the company responds or after 15 days, whichever comes first.

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    Field nameDescription
    Date received

    The date the CFPB received the complaint. For example, “05/25/2013.”

    Product

    The type of product the consumer identified in the complaint. For example, “Checking or savings account” or “Student loan.”

    Sub-product

    The type of sub-product the consumer identified in the complaint. For example, “Checking account” or “Private student loan.”

    Issue

    The issue the consumer identified in the complaint. For example, “Managing an account” or “Struggling to repay your loan.”

    Sub-issue

    The sub-issue the consumer identified in the complaint. For example, “Deposits and withdrawals” or “Problem lowering your monthly payments.”

    Consumer complaint narrative

    Consumer complaint narrative is the consumer-submitted description of “what happened” from the complaint. Consumers must opt-in to share their narrative. We will not publish the narrative unless the consumer consents, and consumers can opt-out at any time. The CFPB takes reasonable steps to scrub personal information from each complaint that could be used to identify the consumer.

    Company public response

    The company’s optional, public-facing response to a consumer’s complaint. Companies can choose to select a response from a pre-set list of options that will be posted on the public database. For example, “Company believes complaint is the result of an isolated error.”

    Company

    The complaint is about this company. For example, “ABC Bank.”

    State

    The state of the mailing address provided by the consumer.

    ZIP code

    The mailing ZIP code provided by the consumer. This field may: i) include the first five digits of a ZIP code; ii) include the first three digits of a ZIP code (if the consumer consented to publication of their complaint narrative); or iii) be blank (if ZIP codes have been submitted with non-numeric values, if there are less than 20,000 people in a given ZIP code, or if the complaint has an address outside of the United States).

    Tags

    Data that supports easier searching and sorting of complaints submitted by or on behalf of consumers.

    For example, complaints where the submitter reports the age of the consumer as 62 years or older are tagged “Older American.” Complaints submitted by or on behalf of a servicemember or the spouse or dependent of a servicemember are tagged “Servicemember.” Servicemember includes anyone who is active duty, National Guard, or Reservist, as well as anyone who previously served and is a veteran or retiree.

    Consumer consent provided?

    Identifies whether the consumer opted in to publish their complaint narrative. We do not publish the narrative unless the consumer consents, and consumers can opt-out at any time.

    Submitted via

    How the complaint was submitted to the CFPB. For example, “Web” or “Phone.”

    Date sent to company

    The date the CFPB sent the complaint to the company.

    Company response to consumer

    This is how the company responded. For example, “Closed with explanation.”

    Timely response?

    Whether the company gave a timely response. For example, “Yes” or “No.”

    Consumer disputed?

    Whether the consumer disputed the company’s response.

    Complaint ID

    The unique identification number for a complaint.

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    We only share narratives with the consumer’s consent

    A consumer complaint narrative is the consumer-submitted description of “what happened” from the complaint. Consumers must opt-in to share their narrative. We will not publish the narrative unless the consumer consents, and consumers can opt-out at any time. The CFPB takes reasonable steps to scrub personal information from each complaint that could be used to identify the consumer.

    We don’t publish personal information

    Personal information submitted as part of a complaint, such as names, contact information, account numbers, social security numbers, and supporting documents, helps the company identify the consumer. This information is not published in the Consumer Complaint Database.

    Read our latest annual report to Congress

    Read the full report

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    Ready to start your complaint?

    You can submit a complaint online now. It usually takes less than 10 minutes.

    Check the status of a complaint you've already submitted.

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    Learn how the complaint process works

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    Your complaint goes through several steps that help you get a response and help us identify problems in the marketplace.

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    1. Complaint submitted

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    You submit a complaint, or another government agency forwards your complaint to us. You will receive email updates and can check the status of your complaint.

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    2. Route

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    We'll send your complaint directly to the company so it can review the issues in your complaint. If we find that another government agency would be better able to assist, we will send your complaint to them and let you know.

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    3. Company response

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    The company will communicate with you as needed and respond to the issues in your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.

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    4. Complaint published

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    We publish information about your complaint (without information that directly identifies you) in our public Consumer Complaint Database. With your consent we also publish your description of what happened, after taking steps to remove personal information. Learn more about how we share complaint data.

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    5. Consumer review

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    We will let you know when the company responds. You’ll be able to review the company’s response and will have 60 days to provide feedback about the company's response.

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    Ready to start your complaint?

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    + Automated Clearing House (ACH) + +
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    An Automated Clearing House (ACH) authorization is a payment authorization that gives the lender permission to electronically take money from your bank, credit union, or prepaid card account when your payment is due. You can revoke this authorization.

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    + Automatic debit payment + +
    +
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    With automatic debits, you give your permission to the company to take the payments directly from your bank account. This is different than the recurring bill-pay feature offered by your bank. In recurring bill-pay, you give permission to your bank or credit union to send the payments to the company.

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    + Certificate of deposit (CD) + +
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    A Certificate Deposit, or CD, is a special type of savings account offered by banks or credit unions. You generally must keep your funds in the CD for a specified period of time to avoid penalties.

    + Read more +
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    + Certificate of deposit (CD) rollover + +
    +
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    A rollover or renewal can occur at the end of the term of a CD.

    + Read more +
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    + Demand draft + +
    +
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    A demand draft allows someone to withdraw money from your checking account without your signature. 

    + Read more +
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    + Deposit hold + +
    +
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    The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a “deposit hold” or “check hold”. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee.

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    + Fiduciary + +
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    A fiduciary is someone who manages money or property for someone else. When you are named a fiduciary, you are required by law to manage the person’s money and property for his or her benefit, not yours.

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    + Guardian of property + +
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    A guardian of property is someone the court names to manage money and property for someone else whom the court has found cannot manage their money and property alone.

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    + Individual taxpayer identification number (ITIN) + +
    +
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    An ITIN is an identification number that you get from the Internal Revenue Service. An ITIN is only available for certain nonresident and resident aliens, their spouses, and dependents who cannot get a Social Security Number.

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    + Joint account + +
    +
    +

    If you would like to enable a friend or family member to write checks and make deposits on your behalf, you might consider opening a joint account. Generally, everyone whose name is on a joint account can write checks, withdraw money, make transactions, move funds, or close the account. If one of the account holders owes money, the creditor can try to collect from money in the joint bank account.

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    + Money market account + +
    +
    +

    A money market account is a special type of account offered by banks and credit unions.

    + Read more +
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    + Non-sufficient funds (NSF) fees + +
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    An NSF or non-sufficient funds fee may occur when your check or electronic authorization is not paid due to a lack of funds in your account.  This is commonly referred to as a “returned” or “bounced” check. 

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    An overdraft occurs when you don’t have enough money in your account to cover a transaction, but the bank pays the transaction anyway. You can overdraw your account through checks, ATM transactions, debit card purchases, automatic bill payments, and electronic or in-person withdrawals.

    Many banks and credit unions offer overdraft protection programs in which the bank or credit union generally pays the transaction and charges you a fee (in addition to requiring repayment of the overdraft amount). Overdrafts can also be covered through a transfer of funds from a linked account, credit card, or line of credit.

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    A Personal line of credit is a loan that you access from time to time. You write special checks or request a transfer to your checking account by phone or online.

    Like a credit card account, you have a credit limit, receive a monthly bill, make at least a minimum payment, pay interest based on your outstanding balance, and possibly pay a fee each time you use the account.

    Personal lines of credit are unsecured, unlike Home Equity Lines Of Credit (HELOCs), which are backed by a mortgage on your home. Personal lines of credit are offered by banks and credit unions and usually require that you also have a checking account with the same institution.

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    A power of attorney (POA) is a legal document that allows someone else to act on your behalf. Creating a POA is a way to appoint a substitute decision-maker and is relatively inexpensive, although it may involve help from a lawyer. 

    A financial POA can be used as a tool for planning for future incapacity – the inability to make financial decisions due, for example, to dementia, traumatic brain injury, or some other impairment that affects mental function. When used for advance planning, a POA generally is “durable,” meaning it continues to be effective even if the person creating it becomes incapacitated. Continue reading to learn more about power of attorney (POA). 

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    The Social Security Administration (SSA) appoints a person to be a representative payee for another person who needs help managing his or her Social Security or Supplemental Security Income (SSI) benefit payments. A representative payee can only manage the benefit checks paid by SSA. If the person receiving the benefits has other money or property that he or she cannot manage, a representative payee must have legal authority from another source to manage other funds. For example, a representative payee also could be appointed guardian of property by a court. As a Social Security representative payee, you are a fiduciary.

    For more information on representative payees, read this guide on managing someone else’s money.

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    A revocable living trust is a legal document that gives you the authority to make decisions about someone else’s money or property being held in a trust. 

    + Read more +
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    + Social Security representative payee + +
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    A representative payee is appointed by the Social Security +Administration for another person who needs help managing their Social +Security or Supplemental Security Income benefit payments. 

    + Read more +
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    + Annual percentage rate (APR) + +
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    The APR, or annual percentage rate, is the standard way to compare how much loans cost. It lets you compare the cost of loan products on an “apples-to-apples” basis. Your credit card company must disclose the APR before you agree to the use the card.

    To calculate the APR, the interest rate and fees are compared to the amount you borrow and calculated over a one-year period. This allows you to compare the costs of a credit card to a six-month installment loan. It is also why APRs are often different from simple interest rates.

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    A balance transfer lets you move an outstanding balance from one credit card to another, sometimes for a fee. The fee is usually a certain percentage of the amount you transfer or a fixed amount, whichever is more. Many credit card companies offer zero-percent or low-interest balance transfers to invite you to consolidate your debt on one credit card. The promotional interest rate for most balance transfers lasts for a limited time. After that, the interest rate on your new credit card may rise, increasing your payment amount.

    If you’re more than 60 days late on a payment, the credit card company can increase your interest rate on all balances, including the transferred balance.

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    + Credit balance + +
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    A credit balance on your billing statement is an amount that the card issuer owes you.

    Credits are added to your account each time you make a payment. It may also be added when you return something you bought with a credit card or because of rewards you have earned or a mistake in a prior bill. If the total of the credits exceeds the amount you owe, your statement shows a credit balance. 

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    + Daily periodic rate + +
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    Some card issuers calculate interest on the account using a daily periodic interest rate, which is used to calculate interest by multiplying the rate by the amount owed at the end of the day. This interest amount is then added to the previous day’s balance, which means that interest is compounded on a daily basis. 

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    A grace period is the period between the end of a billing cycle and the date your payment is due. During this time, you may not be charged interest as long as you pay your balance in full by the due date. Credit card companies are not required to give a grace period. However, most credit cards provide a grace period on purchases.  

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    + Interest rate + +
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    A credit card’s interest rate is the price you pay for borrowing money. For credit cards, the interest rates are typically stated as a yearly rate, and this is called the annual percentage rate (APR). On most cards, you can avoid paying interest on purchases if you pay your balance in full each month by the due date.

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    + Prescreened credit card offer + +
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    A prescreened credit card offer is when credit card companies use information from credit reporting companies to make firm offers of credit to you if your credit history meets the criteria selected by the card company.

    + Read more +
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    + Unauthorized use + +
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    Generally, unauthorized use is the use of a credit card by a person who does not have the right to use the card. For example, if you lose your card and someone finds and uses it, that would be an unauthorized use. 

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    An inquiry refers to a request to look at your credit file, and it generally falls into one of two types.

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    + Credit invisible + +
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    In 2015, we published a report finding that 26 million Americans are "credit invisible." This figure indicates that one in every ten adults does not have any credit history with one of the three nationwide credit reporting companies. An additional 19 million consumers have “unscorable” credit files, which means that their file is thin and has an insufficient credit history (9.9 million) or they have stale files and lack any recent credit history (9.6 million). In sum, there are 45 million consumers who may be denied access to credit because they do not have credit records that can be scored. People who are credit invisible or unscorable generally do not have access to quality credit and may face a range of issues, from trying to obtain credit to leasing an apartment.

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    + Credit monitoring service + +
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    A credit monitoring service is a commercial service that charges you a fee to watch your credit reports and alert you to changes to the accounts listed on your credit report. 

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    + Credit report + +
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    A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts.

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    + Credit reporting company + +
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    Credit reporting companies, also known as credit bureaus or consumer reporting agencies, are companies that compile and sell credit reports.

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    A credit score predicts how likely you are to pay back a loan on time. Companies use a mathematical formula—called a scoring model—to create your credit score from the information in your credit report. It is important to know that you do not have just “one” credit score and there are many credit scores available to you as well as to lenders. Any credit score depends on the data used to calculate it, and may differ depending on the scoring model, the source of your credit history, the type of loan product, and even the day when it was calculated.

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    + Fair Credit Reporting Act + +
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    The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Learn more about your major rights under the FCRA .

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    A FICO® score is a particular brand of credit score. 

    + Read more +
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    + Fraud alert + +
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    A fraud alert requires creditors who check your credit report to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account based on a consumer’s request. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, it must notify the others. There are two main types of fraud alerts: initial fraud alerts and extended alerts.

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    + Free credit report + +
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    You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com . When you visit AnnualCreditReport.com , you may see steps to view your updated credit reports at no cost, online. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $14.50 for a credit report.

    Read more

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    + Identity monitoring or identity theft proection + +
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    Identity theft services monitor personally identifiable information in credit applications, public records, websites, and other places for any unusual activity that could be signs of identity theft.

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    + Identity theft + +
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    Identity theft occurs when someone steals your identity to commit fraud. Stealing your identity could mean using personal information without your permission, such as:

    • Your name
    • Social Security number
    • Credit card number
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    + Military active duty alert + +
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    Members of the military (such as members of the Marines, Army, Navy, Air Force, and Coast Guard) can request an active duty alert. When you place an active duty alert on your credit report, creditors must take reasonable steps to make sure the person making the request is actually you before opening an account, issuing an additional credit card on an existing account, or increasing the credit limit on your existing account. Active duty alerts last for 12 months. Your name also will be removed from the nationwide credit reporting companies' pre-screen marketing lists for credit offers and insurance for two years.

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    A "security freeze" on your credit report prevents new creditors from accessing your credit file and others from opening accounts in your name until you lift the freeze. Because most businesses will not open credit accounts without checking your credit report, a freeze can stop identity thieves from opening new accounts in your name.

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    + Specialty consumer reporting company + +
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    Specialty consumer reporting companies collect and share information about your employment history, transaction history with a business or repayment history for a specific product or service.

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    + Tenant screening report + +
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    A report used by landlords to help make decisions on possible tenants. A tenant screening report may contain information from many sources including your rental history and credit reports.

    + Read more +
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    + Thin credit file / No credit file + +
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    A thin credit file or no credit file means that a person does not have a credit history or not enough current credit history to produce a credit score. See: Credit invisible

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    List of consumer reporting companies

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    You have a meaningful role to play to ensure the data about you maintained by consumer reporting companies is accurate and complete. 

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    You know your credit report is important, but the three nationwide consumer reporting companies—Equifax, TransUnion­, and Experian—aren’t the only companies that collect information on you. Other companies collect information and prepare consumer reports about you—and you have a right to see those reports. This list of consumer reporting companies gives you the details you need to take action.

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    2023 list of consumer reporting companies

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    This list includes the three nationwide consumer reporting companies as well as other companies that focus on certain market areas and consumer segments.

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    + Check your credit reports by mail and online +
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    Know your data

    Consumer reporting companies collect information and provide reports to other companies about you. These companies use these reports to inform decisions about providing you with credit, employment, residential rental housing, insurance, and in other decision-making situations.

    Who can see your consumer reports

    Consumer reporting companies must follow legal restrictions, but generally can provide consumer reports and risk scores to an array of businesses, including:

    • Lenders (including those that offer credit cards, home, payday, personal, title, auto including auto leasing, student loans, security deposit financing and lease guarantees on home rentals, and buy-now-pay-later (BNPL) products)
    • Employers and volunteer organizations (pre-employment screening and on-going employee monitoring)
    • Government agencies to determine eligibility for government assistance
    • Landlords and residential real estate management companies for short- and long-term residential property rentals (tenant screening)
    • Banks, credit unions, payment processors and retail stores that accept personal checks (check screening)
    • Companies that market and sell certain products and services specifically to lower-income consumers and subprime credit applicants, such as companies providing short-term lending and rent-to-own lending businesses among others
    • Debt buyers and debt collectors
    • Insurance companies (health, life, property insurance screening)
    • Telecommunication and utility companies (e.g., mobile phone, pay TV, electric, gas, water)
    • Retail stores for product return fraud and abuse screening as well as retail stores that offer financing such as appliance and rent-to-own businesses, among others
    • Gaming establishments and casinos that extend credit to consumers and/or accept personal checks

    Know when to check a report

    With the exception of employment screening, users of your reporting data generally don’t warn you in advance when they’re about to take an adverse action against you based in whole or in part on your consumer report. That's why the accuracy and completeness of your consumer reporting data is extremely important.

    Check your reports regularly

    It’s important to review your credit reports from the three nationwide consumer reporting companies—Equifax, TransUnion, and Experian—every twelve months to ensure they are accurate and complete. This is especially important if you intend to purchase a home or car with credit, or otherwise intend to apply for credit in the future.

    Check your reports before making financial decisions

    If you are applying for a job, an insurance policy, or a lease, you should fact-check your background screening reports to ensure there are no errors. 

    Check your reports if you think you may be a victim of identity theft

    Data breaches are an unfortunate reality. It’s important to be aware of your options to take greater control of your consumer reporting data. 

    Fact-check your reports and consider blocking third-party access to your consumer reporting data through a security “freeze.”

    Resources to take action

    How to request a report

    Under the federal Fair Credit Reporting Act (FCRA) , all consumer reporting companies are required to provide you a copy of the information in your report if you request it.

    You are also entitled to a free credit report every 12 months from each of the three nationwide consumer reporting companies—Equifax, TransUnion, and Experian. You can request a copy through AnnualCreditReport.com . 

    As a result of a 2019 settlement, all U.S. consumers may also request up to six free copies of their Equifax credit report during any twelve-month period through December 2026. These free copies will be provided to you in addition to any free reports to which you are entitled under federal law.

    Learn how to request a report

    You have the right to dispute the information in your reports

    If you find information in your consumer reports that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information with the consumer reporting company, such as your lender. 

    Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute.

    Learn how to dispute an error

    If you have complaints about your consumer reports

    The Bureau handles consumer reporting complaints about report accuracy and completeness errors, credit repair services, and other consumer reporting topics. If you are dissatisfied with a company’s investigation of an earlier dispute, if you believe your consumer report was used improperly, or if you have problems getting access to your own consumer reports you may consider submitting a complaint. 

    Submit a complaint

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    Sample letters to dispute information on a credit report

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    If you want to dispute information on a credit report, you may need to send a dispute letter to both the institution that provided the information, called the information furnisher, as well as the credit reporting company.

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    + Credit counselor + +
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    Credit counselors can help with the following:

    • Advise you on managing your money and debts
    • Help you develop a budget
    • Usually offer free educational materials and workshops

    Typically, credit counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. 

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    + Debt Collection Rule + +
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    The CFPB issued “rules” effective on November 30, 2021 that clarify and interpret the federal Fair Debt Collection Practices Act (FDCPA).

    Read more

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    Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly collects debts owed to others, usually when those debts are past-due.

    Debt collectors include collection agencies or lawyers who collect debts as part of their business. There are also companies that buy past-due debts from creditors or other businesses and then try to collect them. These debt collectors are also called debt collection agencies, debt collection companies, or debt buyers.

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    + Debt settlement companies are companies that say they can renegotiate, settle, or in some way change the terms of a person's debt to a creditor or debt collector. Dealing with debt settlement companies can be risky. + Read more +
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    + Fair Debt Collection Practices Act (FDCPA) + +
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    The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. Read more information +on your rights under the FDCPA.

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    A wage or bank account garnishment occurs when a creditor takes a portion of your paycheck or money from your bank account to collect money you owe. Garnishments generally require a court order that results from a judgment. However, certain debts owed to the government may also result in garnishment, even without a judgment.

    State and federal laws have limits or “exemptions” that apply to bank account and wage garnishments, usually to make sure you have something left to live on. It is also a violation of the Fair Debt Collection Practices Act (FDCPA) for a debt collector to threaten that your wages will be garnished if your wages cannot legally be garnished.

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    The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact.

    Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone; obscene or profane language; threats of violence or harm; publishing lists of people who refuse to pay their debts (this does not include reporting information to a credit reporting company); and calling you without telling you who they are.

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    A judgment is an official result of a lawsuit in court. In debt collection lawsuits, the judge may award the creditor or debt collector a judgment against you. If you don’t respond to a legal complaint, you will lose your chance to defend yourself and you may find that a judgment is entered against you.

    If someone sues you, or if someone has obtained a judgment against you and you are unsure of what to do, talk to an attorney. Some attorneys may offer free services or charge a reduced fee. There may also be legal aid offices or legal clinics in your area who will offer their services for free if you meet certain criteria. Servicemembers should consult their local JAG office .

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    Under the Debt Collection Rule, this is a voicemail message to a consumer that must contain certain required information and may contain other optional content.

    Read more

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    + Original creditor + +
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    Generally speaking, the original creditor is the company that gave you the loan or credit. An original creditor may attempt to collect a past due credit account itself, or it may hire a debt collector. The original creditor also may sell your credit account to a debt collector. A debt collector is a generally a third party who has been contracted specifically to collect on your account, or someone who has purchased it from the original creditor or another debt collector or debt buyer. 

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    + Statute of limitations + +
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    A statute of limitations is the limited period of time creditors or debt collectors have to file a lawsuit to recover a debt. Most statutes of limitations fall in the three to six years range, although in some jurisdictions they may extend for longer. Statutes of limitation may vary depending on state laws, the type of debt you have, or the state law named in your credit agreement.

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    A debt collector is required to provide certain information when it first communicates with a consumer, or shortly after. When the debt collector provides this required information electronically or in writing, it is called a validation notice.

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    Dealing with disasters and emergencies

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    A guide to handling your finances if you are preparing for, recovering from, or rebuilding after a hurricane, tornado, wildfire or other emergency.

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    This guide focuses on your finances

    If you need information on your physical safety before, during, and after an emergency, visit the Federal Emergency Management Agency’s (FEMA) ready.gov site.

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    Prepare your finances before a disaster or emergency strikes

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    Natural disasters can happen anywhere. Here are three steps you can take right now to protect yourself financially and weather any storm.

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    Plan for the unexpected

    Taking time to document financial information and contact numbers before a situation occurs can save you time and stress in an emergency.

    Resources to help you get started

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    Protect your finances during and after a disaster or emergency

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    When disaster strikes, it can be hard to know how to move forward. Here are steps to take to recover financially after a natural disaster.

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    Focus on your most urgent issues

    If you can’t access your money or pay your bills after a disaster, you’ll want to contact lenders, creditors, and banks to let them know your situation. You’ll also want to consider finding places that provide financial assistance.

    Help managing money in an emergency

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    Are you an educator, advocate, or other professional looking for resources to help others?

    See more resources to use with the people you serve

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    Know your rights

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    You have the right to ask for help with bills, fees, paperwork, and more

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    Customer service workers at your bank, credit card company, or other lender might be able to offer you flexibility if you need it.

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    You have the right to ask for help with your home loan

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    There are ways you can work with your mortgage lender to give you more flexibility with loans or payment relief options.

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    Recover and rebuild after a disaster or emergency

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    Resources to help you rebuild

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    Helping others rebuild and recover

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    If you’re sending money to loved ones or an organization providing direct support, you’ll want to ensure it’s making a difference and getting into the right hands.

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    Avoiding fraud and scams

    In the wake of a disaster or emergency, you’ll have a lot on your plate. To protect yourself from more financial distress, be on the lookout for fraud and scams.

    How to avoid scams in the wake of a disaster

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    Financial education for adults

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    We help you help the people you serve. For adult financial educators, the tools here show our latest thinking on consumer financial behavior and effective financial education practices.

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    Please join us for the following free CFPB FinEx Webinar:

    Webinar: Identity theft, scams, and older adults

    Join us!
    Thursday, June 29, 2023
    2:00 to 3:30 pm ET

    The free webinar explains red flags to watch for when communicating via email, text, voice, social media, and postal mail. The focus is on scams older adults are experiencing, but all ages can benefit from the information.

    Hear from the CFPB and guest speakers from the Federal Trade Commission, discussing what to look for, how to respond, and how to recover if you or someone you know experiences a scam or identity theft.

    Register today

    Reasonable accommodations

    Require an accommodation to attend?
    Contact CFPB_ReasonableAccommodations@cfpb.gov 72 hours before the event.

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    Tools and resources to use with the people you serve

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    + +Explore resources +
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    We've gathered our tools, worksheets, handouts, and audio recordings by topic. You can use these resources with the people you serve. You can also download the inventory of materials that are available.

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    Resources for financial educators

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    Financial well-being

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    Following a rigorous research effort, the CFPB defined financial well-being and developed and tested a scale to measure it. Then, we conducted a national survey to measure financial well-being in America. Explore the resources below to find out more.

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    Five principles of effective financial education

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    The five principles build on insights about how people make financial decisions, marshalled from many fields of study, and on what we have learned about consumers’ own experiences in the financial marketplace.

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    Money motivations

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    Bridging the gap between a person’s intentions and their behavior can be a challenge for financial education practitioners. Our tools can help you understand and harness emotions and relationships that influence money decisions.

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    Webinar training

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    View our growing library of webinars or read the transcripts. Each webinar is added to the archive a few weeks after its presentation date.

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    Research and reports

    Consumer Insights on Managing Spending

    Consumer Voices on Rules to Live By

    Building Blocks to Help Youth Achieve Financial Capability

    Consumer Voices on Automobile Finance

    See all research and reports


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    Tools and resources to use with the people you serve

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    We’ve gathered our tools, worksheets, handouts, and audio recordings by topic and by audience. You can use these resources with the people you serve.

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    You can also download the inventory  of materials that are available.

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    Resources by topic

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    Auto loans
    Credit cards
    Credit reports and scores
    Debt collection
    Money management
    Money motivations
    Money transfers
    Mortgages
    Savings and bank accounts
    Translated financial terms

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    Resources by audience

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    Justice-involved individuals
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    Young adults

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    Multilingual communities and newcomers

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    Find help for people you serve who primarily speak a language other than English.

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    Resources by topic

    Looking for answers to help a client? Check here first. You’ll find a wealth of information and interactive tools you can use to help the people you serve with common financial issues.

    +
    +
    +
    +
    +
    +
    +
    +

    Auto loans

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    +
      +
    • +
      +
      Comparing auto loans worksheet
      +

      Worksheet

      +
      +
      + +
      +
      • +
    • +
      +
      Take control of your auto loan 
      +

      Web page

      +
      +
      + +
      +
      • +
    • +
      +
      Take control of your auto loan: A step-by-step guide
      +

      Multi-page booklet

      +
      +
      + +
      +
      • +
    • +
      +
      Shopping for your auto loan
      +

      Audio recording

      +
      + +
      • +
    +
    +
    +
    +
    +
    +
    +
    +

    Credit cards

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    + +
    +
    +
    +
    +
    +
    +
    +

    Credit reports and scores

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    +
      +
    • +
      +
      Where to find access to a free credit score
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      Check your credit report
      +

      Client handout

      +
      + +
      • +
    • +
      +
      Check your credit report (Spanish)
      +

      Client handout

      +
      + +
      • +
    • +
      +
      Understand your credit score
      +

      Client handout

      +
      + +
      • +
    • +
      +
      Understand your credit score (Spanish)
      +

      Client handout

      +
      + +
      • +
    • +
      +
      How to rebuild your credit
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      How to rebuild your credit (Spanish)
      +

      Client handout

      +
      + +
      • +
    • +
      +
      Credit report rule to live by
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      Watch accounts closely when card data is hacked
      +

      Client handout

      +
      + +
      • +
    • +
      +
      You Have a Right to See Specialty Credit Reports
      +

      Client handout

      +
      + +
      • +
    • +
      +
      Specialty Credit Reporting list
      +

      Practitioner guide

      +
      +
      + +
      +
      • +
    • +
      +
      Dispute an error for a minor
      +

      MS Word document

      +
      +
      + +
      +
      • +
    • +
      +
      Dispute an error for a youth who is 18 or older if the error occurred before his or her 18th birthday
      +

      MS Word document

      +
      +
      + +
      +
      • +
    • +
      +
      Dispute an error that happened at 18 or older for youth who remain in foster care until age 21
      +

      MS Word Document

      +
      +
      + +
      +
      • +
    • +
      +
      Help your kids start and maintain good credit
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      Help youth in foster care start and maintain good credit
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      Understand your credit report
      +

      Client handout

      +
      + +
      • +
    • +
      +
      Understand your credit report (Spanish)
      +

      Client handout

      +
      + +
      • +
    +
    +
    +
    +
    +
    +
    +
    +

    Debt collection

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    + +
    +
    +
    +
    +
    +
    +
    +

    Money management

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    + +
    +
    +
    +
    +
    +
    +
    +

    Money motivations

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    +
      +
    • +
      +
      Money Circle Toolkit
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Introducing the Money Circle Toolkit
      +

      Training webinar

      +
      + +
      • +
    • +
      +
      Friends and Family Exchanges Crisis Tool
      +

      Practitioner Resource

      +
      +
      + +
      +
      • +
    • +
      +
      Friends and Family Exchanges Crisis Tool (Spanish)
      +

      Practitioner Resource

      +
      +
      + +
      +
      • +
    • +
      +
      Friends and Family Exchanges Consumer Worksheet
      +

      Consumer Resource

      +
      +
      + +
      +
      • +
    • +
      +
      Future Self Tool
      +

      Practitioner Resource

      +
      +
      + +
      +
      • +
    • +
      +
      Future Self Tool
      +

      Training webinar

      +
      + +
      • +
    +
    +
    +
    +
    +
    +
    +
    +

    Money transfers

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    +
      +
    • +
      +
      Helping consumers understand remittance transfers
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Helping consumers understand remittance transfers (Spanish)
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Helping consumers understand remittance transfers (Arabic)
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Helping consumers understand remittance transfers (Chinese)
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Helping consumers understand remittance transfers (Haitian Creole)
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Helping consumers understand remittance transfers (Korean)
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Helping consumers understand remittance transfers (Russian)
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Helping consumers understand remittance transfers (Tagalog)
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Helping consumers understand remittance transfers (Vietnamese)
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Send money abroad with more confidence
      +

      Client handout

      +
      + +
      • +
    • +
      +
      Send money abroad with more confidence (Spanish)
      +

      Client handout

      +
      + +
      • +
    • +
      +
      Send money abroad with more confidence (Arabic)
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      Send money abroad with more confidence (Chinese)
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      Send money abroad with more confidence (Haitian Creole)
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      Send money abroad with more confidence (Korean)
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      Send money abroad with more confidence (Russian)
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      Send money abroad with more confidence (Tagalog)
      +

      Client handout

      +
      +
      + +
      +
      • +
    • +
      +
      Send money abroad with more confidence (Vietnamese)
      +

      Client handout

      +
      +
      + +
      +
      • +
    +
    +
    +
    +
    +
    +
    +
    +

    Mortgages

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    + +
    +
    +
    +
    +
    +
    +
    +

    Savings and bank accounts

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    + +
    +
    +
    +
    +
    +
    +
    +

    Translated financial terms

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    +
      +
    • +
      +
      Glossary of English-Chinese financial terms
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Glossary of English-Spanish financial terms
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Glossary of English-Vietnamese financial terms
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Glossary of English-Korean financial terms
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    • +
      +
      Glossary of English-Tagalog financial terms
      +

      Practitioner resource

      +
      +
      + +
      +
      • +
    +
    +
    +
    +
    +
    +
    +

    Resources by audience

    We create resources for audiences with specific needs to help them navigate financial decisions.

    +
    +
    +
    +
    +
    +
    +
    +

    Justice-involved individuals

    +

    Formerly-incarcerated individuals face many challenges in their financial lives, such as identity theft or criminal justice debt. These resources assist people as they reenter or prepare to reenter society.

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    +
      +
    • +
      +
      Focus on Reentry
      +

      Your Money, Your Goals companion guide

      +
      + +
      • +
    • +
      +
      Protecting one’s credit while in the criminal justice system
      +

      Client handout

      +
      +
      + +
      +
      • +
    +
    +
    +
    +
    +
    +
    +
    +

    Native Communities

    +

    These resources are based on the wisdom of people working in tribal governments and other organizations that serve Native communities.

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    + +
    +
    +
    +
    +
    +
    +
    +

    Newcomers

    +

    There are over 41 million immigrants in America, and some have unique needs when it comes to managing their finances. Considerations like limited English proficiency and unfamiliarity with the U.S. banking system can make it hard to navigate the financial marketplace.

    +
    +
    +
    +
    +
    + Description +
    +
    + Actions +
    +
    + +
    +
    +
    +
    +
    +
    +
    +

    People with disabilities

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    +

    Millions of people with disabilities face significant obstacles as they go about their lives, including full participation in the mainstream financial marketplace and navigating Supplemental Security Income (SSI) benefits.

    + + +
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    + Description +
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    + Actions +
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    • +
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      Focus on People with Disabilities
      +

      Your Money, Your Goals companion guide

      +
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      People with Social Security disability income can still qualify for a mortgage
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      Blog post

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    Young adults

    +

    Developing good financial habits early in life can help young people plan for their future and make wise financial decisions as adults.

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    + Description +
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    + Actions +
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    • +
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      How to protect vulnerable children from credit reporting problems
      +

      Blog post

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      +
      + +
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      Dispute an error for a youth who is 18 or older if the error occurred before his or her 18th birthday
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      Client handout

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      Dispute an error for a minor
      +

      Client handout

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      • +
    • +
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      Dispute an error that happened at 18 or older for youth who remain in foster care until age 21
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      Client handout

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      • +
    • +
      +
      Help young people develop money skills
      +

      Resource guide

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    + + + + + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/educator-tools/employers/index.html b/www.consumerfinance.gov/consumer-tools/educator-tools/employers/index.html new file mode 100644 index 000000000000..3b29e6739008 --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/educator-tools/employers/index.html @@ -0,0 +1,1489 @@ + + + + + + + Resources for employers | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Resources for employers

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    We provide free tools and tips to help employers support the financial well-being of their workers.

    +
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    People make important personal money decisions in the workplace. At the same time, they can be coping with money stresses. Improving the financial well-being of workers can help organizations function better.

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    Share resources with your workforce

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    Fast, free, objective help with money issues

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    From bank accounts and prepaid cards to mortgages, auto loans, and debt collection, your workforce can find the facts they need. Our guides and answers to common questions help with day-to-day money management as well as future plans.

    + +
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    Order publications

    Order and download free booklets, placemats, and worksheets on a full range of money topics to hand out to your workers. Many are available in multiple languages.

    Order free publications

    Build a financial wellness program

    Here’s how you can start building a culture of financial well-being.

    Understand the basics

    Get to know the definition of financial well-being and how organizations incorporate it into their programs.

    Webinar: Introduction to financial well-being

    Webinar: Financial well-being in the workplace

    Focus on five principles to help your financial education program deliver results

    Effective education can move people from good intentions to actions. Our principles can help.

    Using the five principles of effective financial education in your workplace

    Measure financial well-being in the workplace

    With just 10 rigorously tested and validated questions, you can measure financial well-being in your workforce. Use the financial well-being scale to compare groups and observe changes over time.

    Try the questionnaire yourself

    Getting started with measuring financial well-being: a toolkit

    View webinar: How to develop a program and measure success

    +
    +
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    Explore the research

    +

    The CFPB conducts studies focused on financial education and workplace wellness. Use these resources to help you understand how your workplace can be part of improving financial well-being nationwide.

    +
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    + +
    +

    Financial well-being in America

    +
    +
    +

    This report presents an overview of financial well-being in the United States.

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    Pathways to financial well-being

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    This study explores the link between financial skills and financial well-being.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/educator-tools/financial-well-being-resources/index.html b/www.consumerfinance.gov/consumer-tools/educator-tools/financial-well-being-resources/index.html new file mode 100644 index 000000000000..6e03850ff7a5 --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/educator-tools/financial-well-being-resources/index.html @@ -0,0 +1,1431 @@ + + + + + + + Financial well-being resources | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Financial well-being resources

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    Financial well-being is the ultimate goal of financial education. To help people improve their financial well-being, you first must be able to measure it.

    +
    +

    Financial well-being describes a condition wherein a person can fully meet current and ongoing financial obligations, can feel secure in their financial future, and is able to make choices that allow them to enjoy life. It’s determined by the extent to which people feel that they:

    • Have control over day-to-day, month-to-month finances
    • Have the capacity to absorb a financial shock
    • Are on track to meet his or her financial goals
    • Have the financial freedom to make the choices that allow one to enjoy life
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    Get started measuring financial well-being

    +
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    The toolkit provides an introduction to the financial well-being scale, with instructions, case studies, and other resources.

    + +
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    Measure and score financial well-being 

    The financial well-being scale is a free tool to help you measure your client’s financial well-being. 

    Share the quiz with people you serve

    Integrate the financial well-being scale into your program

    Financial education organizations are using the financial well-being scale in a variety of ways to improve their services and programs.

    Bring financial well-being to your program

    Explore financial well-being findings

    We have conducted research on the state of financial well-being in America. 

    See our conclusions 

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/educator-tools/index.html b/www.consumerfinance.gov/consumer-tools/educator-tools/index.html index d44100481954..d74048a25819 100644 --- a/www.consumerfinance.gov/consumer-tools/educator-tools/index.html +++ b/www.consumerfinance.gov/consumer-tools/educator-tools/index.html @@ -1201,7 +1201,7 @@

    Enhance the ways you advocate for others with our res
    -

    Resources to share with the people you serve

    We have guides to help people understand and plan for big financial goals, answers to hundreds of financial questions, and more.

    Browse resources to share

    Find free print handouts to download or order

    +

    Resources to share with the people you serve

    We have guides to help people understand and plan for big financial goals, answers to hundreds of financial questions, and more.

    Browse resources to share

    Find free print handouts to download or order

    @@ -1214,7 +1214,7 @@

    Strengthen your outreach and en

    Measure and monitor financial well-being

    -

    Explore financial well-being resources

    +

    Explore financial well-being resources

    diff --git a/www.consumerfinance.gov/consumer-tools/educator-tools/library-resources/index.html b/www.consumerfinance.gov/consumer-tools/educator-tools/library-resources/index.html new file mode 100644 index 000000000000..aa63b47742c3 --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/educator-tools/library-resources/index.html @@ -0,0 +1,1510 @@ + + + + + + + Financial education resources for libraries | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
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    Library resources

    +
    +

    We want to make libraries the go-to source for financial education. We're working with libraries to provide websites, worksheets, guides, and other information to help with a consumer's money decisions.

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    Help your community during the coronavirus pandemic

    We have resources and tips to help your patrons protect and manage their finances during the coronavirus pandemic.

    See resources and tips

    +
    +
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    +
    +

    Help patrons make financial decisions with these tools

    +
    +
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    +
    +

    Free publications

    +
    +

    Order free government publications, worksheets, and brochures that you can distribute to patrons and use during your own financial education programs.

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    Online financial education tools

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    We’ve teamed up with other government agencies and nonprofit organizations to provide financial education websites and tools to help patrons make important money decisions.

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    Financial education training, ideas, and materials for your library

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    Program ideas

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    We have financial education program ideas you can use in your library, including suggestions for partners in your community who can lead or help spread the word about your efforts.

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    Outreach materials

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    Download screen savers, web banners, share graphics, and more to show patrons that the library can be a helpful resource in their daily lives. 

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    Training webinars

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    +

    Check out our financial education training series for library staff. It covers how to discuss financial education topics with patrons.

    + +
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    +

    Partnership guidebook

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    +

    Our community partnership guidebook for libraries will help you think through the process of building and documenting collaborations that work well for libraries, partners, and patrons.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/educator-tools/resources-for-older-adults/elder-protection-networks/index.html b/www.consumerfinance.gov/consumer-tools/educator-tools/resources-for-older-adults/elder-protection-networks/index.html new file mode 100644 index 000000000000..396bbd8e2b3b --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/educator-tools/resources-for-older-adults/elder-protection-networks/index.html @@ -0,0 +1,1618 @@ + + + + + + + Guide to building an elder fraud prevention and response network | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
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    + An official website of the + United States government +
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    +

    Elder Fraud Prevention Network Development Guide

    +
    +

    Resources to build an elder fraud prevention and response network

    Mobilize key stakeholders in your community to prevent, detect, and respond to elder financial abuse.

    +
    +

    Elder financial exploitation threatens the financial security of millions of older Americans annually. In response to this crisis, hundreds of communities across the United States have created collaborative networks to protect their older residents.

    + +
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    +
    +

    Launch a successful network: use our meeting model

    +

    Our meeting model includes two key meetings—a convening and a post-convening—to help you bring stakeholders together to enhance the prevention of and response to elder financial exploitation.

    +
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    + +
    +

    Plan a convening

    +
    +

    A convening is an effective way to bring stakeholders and community leaders together to create a collaborative network. Gather a core team of key community members to help you plan logistics and reach out to the wider community.

    + +
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    +

    Host a convening

    +
    +

    How you conduct a convening can set the tone for your network. Here are some suggestions on how to provide opportunities for collaboration and make sure everyone's voice is heard during a convening.

    + +
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    Reconvene and establish your network

    +
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    After holding a convening, it's important to bring community stakeholders back together to determine next steps toward addressing priorities identified at the convening.

    + +
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    +
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    Expand network capabilities

    +
    +

    After your network establishes priorities, consider leveraging working groups to reach goals, engage the community, and grow the influence of the network.

    + +
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    Network resources

    As you create and grow your network, use these tools to plan meetings, identify and prioritize goals, and build foundational knowledge of elder fraud prevention.

    Browse network resources

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    Caregivers and nursing home debt

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    Helping someone you love to move into a nursing home can be stressful enough. Nursing homes should not try to make you personally responsible for a loved one’s bill as a condition of admission.

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    Browse guides and information to help older adults make sound financial decisions. Learn more about managing someone else’s money.

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    Money Smart for Older Adults: avoid financial exploitation

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    Money Smart for Older Adults is a volunteer-led curriculum and tool designed to help older adults, family caregivers, and others prevent, recognize, and report financial exploitation.

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    Help for Surviving Spouses

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    Find help responding to elder financial abuse

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    Learn how to get help responding to elder financial abuse

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    Elder fraud prevention and response networks guide

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    Tools for banks and credit unions

    Financial institutions have an important role in providing older adults and their families with information on how to prevent fraud. These resources are designed to be used by financial institutions working with families of older adults.

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    Research and reports

    We research key issues affecting older adults including the prevention of elder financial exploitation, planning for financial incapacity, and Social Security.


    See all reports and advisories for older adults

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    Issue Spotlight: Nursing Home Debt Collection  

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    Preventing elder financial abuse: Guide for nursing homes and assisted living communities

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    Preventing elder financial abuse: Guide for family and friends of people living in nursing homes and assisted living communities

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    Reporting elder financial abuse: Help for family and friends of people living in nursing homes and assisted living communities

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    Placemats with consumer protection tips to use with older adults

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    Financial institution staff are critical in the fight against financial exploitation as they may be one of the first to notice suspicious activity. These resources can help bankers, credit union staff, and others serve customers, clients, and members as they age.

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    Age-friendly promotional toolkit for banks

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    Reporting of Suspected Elder Financial Exploitation by Financial Institutions

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    Suspicious Activity Reports on Elder Financial Exploitation 

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    Advisory and report for financial institutions on preventing and responding to elder financial exploitation

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    Interagency guidance on privacy laws and reporting financial abuse of older adults

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    Memorandum on financial institution and law enforcement efforts to combat elder financial exploitation

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    Serving servicemembers, veterans, and military families

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    CFPB’s Office of Servicemember Affairs (OSA) works to help military families overcome unique financial challenges by providing educational resources, monitoring complaints, and working with other agencies to solve problems faced by servicemembers.

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    Meet the Office of Servicemember Affairs

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    The Office of Servicemembers Affairs was created to support servicemembers, veterans and military families by helping them address unexpected financial challenges and working to protect them in the consumer marketplace.

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    Misadventures in Money Management (MiMM)

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    MiMM is a cutting edge, graphic novel where you can choose your own adventure in a virtual learning experience that trains future and current servicemembers and their families on how to navigate future financial landmines in a fun and interactive way.

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    Tools and resources to use with the people you serve

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    Navigating the military financial lifecycle

    Print and online information for servicemembers at every step of their military career and beyond.

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    The Servicemembers Civil Relief Act (SCRA)

    The SCRA is a law that provides legal and financial protections to those who have answered the call to serve.

    Learn more

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    Strengthening the Military Lending Act (MLA)

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    The Military Lending Act (MLA) was enacted in 2006 to protect servicemembers from loans with annual rates over 36 percent. In 2015, we helped the Department of Defense as it expanded the coverage of its MLA regulations.

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    Researching the utilization rate of the SCRA

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    The Servicemembers Civil Relief Act (SCRA) gives servicemembers on active duty the right to request interest rate reductions on outstanding loans during the time they are activated. However, according to the CFPB’s research, only small fractions of activated Guard and Reserve servicemembers receive SCRA interest rate reductions.

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    Monitoring complaints about debts attributed to identity theft

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    Complaint data from the CFPB shows that military consumers – including active duty servicemembers, veterans, and military family members – are increasingly reporting debts attributed to identity theft.

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    Monitoring servicemember complaints

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    We have analyzed tens of thousands of complaints from servicemembers, veterans, and military family members to ensure we’re matching our efforts with their priorities.

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    Protecting servicemembers from military allotments abuses

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    We worked with DOD to protect servicemembers from abuses related to the military’s discretionary allotment system. 

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    Comparing credit records of young servicemembers and civilians

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    How do credit records co-evolve with military service? This analysis compares young servicemembers based on the age at which they join active duty and the time they spend on active duty.

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    Enforcement actions

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    The CFPB has recovered millions in relief for servicemembers, veterans, and military families from companies that targeted them with scams or illegal practices.

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    Consumer Financial Protection Bureau Settles with Broker of High-interest Credit Offers (January 2019)

    Bureau of Consumer Financial Protection Files Complaint and Proposed Settlement with Village Capital & Investment LLC (December 2018)

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    CFPB issues $1.25 million fine to servicemember auto lender for violating consent order (April 2017)

    See all our actions against companies targeting servicemembers

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    The Servicemembers Civil Relief Act (SCRA)

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    The Servicemembers Civil Relief Act (SCRA) provides legal and financial protections to those who have answered the Nation’s call to serve.

    The SCRA is a law created to provide extra protections for servicemembers in the event that legal or financial transactions adversely affect their rights during military or uniformed service. These protections enable servicemembers to devote their entire energy to the defense needs of the Nation.

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    The SCRA applies to the following servicemembers:

    • Active duty members of the Army, Marine Corps, Navy, Air Force, and Coast Guard;
    • Members of the Reserve component when serving on active duty;
    • Members of the National Guard component mobilized under federal orders for more than 30 consecutive days; or
    • Active duty commissioned officers of the Public Health Service or the National Oceanic and Atmospheric Administration.

    SCRA rights may be exercised by anyone holding a valid power of attorney for the servicemember. Some SCRA protections also apply to dependents.

    According to the U.S. Department of Justice, these are five protections that servicemembers often ask about:

    Protection #1: Reducing the interest rate on any pre-service loans to a maximum of 6 percent

    If you took out an automobile, home, or student loan or incurred credit card debt prior to becoming a servicemember (also known as a “pre-service obligation”), or if you took out such a loan jointly with your spouse, then you are entitled to have your interest rate reduced to a maximum of 6 percent per year. To receive this benefit you must notify your lender in writing and include a copy of your orders to active duty service or a letter from your commanding officer that shows the date you began active duty service.

    The rate reduction for pre-service obligations applies during the period of active duty service for most loans and, for mortgages, for an additional year after the end of active duty service. When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on active duty. Your lender can’t add the amount of interest above 6 percent back into the loan later on after you leave active duty. You can request an interest rate reduction from your lender at any time while you are serving on active duty and up to 180 days after release from active duty.

    A lender can’t revoke your loan or credit account, change the terms of your credit, or refuse to grant you credit just because you exercised your SCRA rights. In addition, a lender can’t furnish negative information to a credit reporting company just for invoking your SCRA rights. Remember, the SCRA requires your lender to reduce your interest rate in certain circumstances – but you still have to pay back your debts.

    Protection #2: Protections against default judgments in civil cases

    If you are sued while a servicemember on active duty, you have certain legal protections under the SCRA. These include some protections from a default judgment in a civil action. A default judgment is a court order in favor of the party or “plaintiff” suing you when you did not appear or defend yourself against the lawsuit.

    Some of your rights under the SCRA include:

    • Before the court can enter a default judgment, the party suing you must file an affidavit with the court stating whether or not you are in active duty service, and provide facts in support of that statement. If the party suing you is unable to determine whether you are in active duty service, the affidavit must state that fact.
    • If you are in active duty service and have not appeared in a case against you, the court may not enter a default judgment until after it appoints an attorney to represent you.
    • The court also has to permit a delay of proceedings for at least 90 days if certain conditions are met.

    Protection #3: Protections against foreclosure on their home

    If you took out a mortgage before entering active duty service, you can’t be foreclosed on without a court order, unless you have waived your rights. This protection applies while you are on active duty and for an additional one year after leaving active duty. This protection also applies in states that do not require a court order to foreclose and whether or not you told your lender or servicer about your servicemember status.

    Under this SCRA protection, a court may also on its own – and must upon request by a servicemember – pause or stay a foreclosure proceeding or adjust the loan, provided that the servicemember’s ability to pay the loan is materially affected by his or her active duty service.

    As noted in protection #2, the SCRA also provides servicemembers with protections against default judgments, which are rulings against a party to a lawsuit because he or she didn’t appear in court. This protection applies to foreclosure cases before a judge.

    Protection #4: Protections against repossession of their property

    In some circumstances, the SCRA prohibits creditors from repossessing your personal property, including your vehicle, without a court order. That means that even if you violate a contract by, for example, failing to make your monthly payments, the creditor must first file a lawsuit and get an order from a judge before your vehicle or personal property can be repossessed. This protection applies only if you:

    • purchased or leased a vehicle, or other personal property, before entering active duty service; and
    • made a deposit or installment payment on a vehicle, or other personal property, before entering active duty service.

    These federal protections under the SCRA are in addition to any other protections you might have under your state law.

    Even if you’re protected by the SCRA from repossession without a court order, failing to pay your bills could result in violating your contract. As a result, you may be charged fees associated with your failure to pay, such as a late fee. Your missed payments can also be reported to credit reporting companies, and the creditor can try to collect the debt, including by filing a lawsuit against you.

    Protection #5: Termination of residential housing and automobile leases without penalty

    The SCRA provides servicemembers with the right to terminate residential leases of property that is occupied or intended to be occupied by a servicemember or his or her dependents. If you signed a lease for housing prior to active duty service, or if you’re already serving on active duty and receive Permanent Change of Station (PCS) or deployment orders for a period of at least 90 days, then you should be able to terminate your housing lease without penalty.

    To terminate your housing lease, you or someone exercising a power of attorney on your behalf must submit to your landlord a written notice of termination and a copy of your orders – or a letter from your commanding officer – by hand delivery, or by private carrier, by regular postal mail with return receipt requested, or by electronic means (i.e. e-mail, communications portal designated by lender or agent).

    If your lease requires monthly rent payments, termination of a housing lease is effective 30 days after the first date on which the next rental payment is due and payable after the date on which the termination notice is delivered.

    In addition to this right for residential leases, under certain circumstances, the SCRA also allows servicemembers to cancel or terminate an auto lease without paying early termination charges or penalties. In order to terminate an auto lease without penalty under the SCRA, you must have entered into the lease:

    • Prior to entering active duty, and then been called onto active duty for 180 days or longer; or
    • During active duty, and then received orders for:
      • a PCS from a location inside the continental United States (CONUS) to a location outside the continental United States (OCONUS), or a PCS from a location OCONUS to any new location, or
      • deployment with a military or uniformed unit or in support of a military or uniformed operation for 180 days or longer.

    To terminate your auto lease, you or someone exercising a power of attorney on your behalf, must submit to your leasing agent a written notice of termination and a copy of your orders – or a letter from your commanding officer – by hand delivery, by private carrier, by regular postal mail with return receipt requested, or by electronic means (i.e., e-mail, communications portal designated by lender or agent).

    Carefully read your lease terms and consider your situation before signing a contract. The SCRA does not allow you to terminate your contract if you receive PCS orders from one CONUS location to another CONUS location, so if you know you may receive those type of PCS orders, make sure your lessor will allow the vehicle you intend to lease to be taken out of state.

    Conclusion

    The SCRA provides many legal and financial protections to enable servicemembers to focus on their mission with less worry about what is happening back home.

    If you have any questions about your rights under the SCRA, contact your closest military legal office for more information. You can find the closest military legal office at: legalassistance.law.af.mil .

    If you have financial challenges or questions before, during and after military or uniformed service, please visit our web site at: consumerfinance.gov/military-financial-lifecycle.

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    Whether you’re helping people get a job, find a place to live, or deal with a legal problem, money always comes up. You can use these tools to start the conversation.

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    Resources for the people you serve

    Your Money, Your Goals materials can be used in many different settings. If you’re working with people to help set goals and solve financial problems, you’ll find helpful tools and information here.

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    + Behind on Bills toolkit +
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    Toolkit

    +
    +

    The toolkit has information that helps you have the money conversation with the people you serve. Use the tools to help achieve goals and work through challenges.

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    + Behind on Bills tools +
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    Booklets to help talk about money

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    Use these bright, interactive booklets to easily help people begin to address common financial stressors.

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    Companion guides

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    Companion guides have specific information for populations with unique needs.

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    Online resources

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    We've consolidated the websites referenced in the Your Money, Your Goals materials to make them easier to access and share.

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    Resources for practitioners

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    Training and implementation

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    We have everything you need to bring Your Money, Your Goals to your organization. Review our Implementation Guide, watch the trainer videos, adapt the training slides, and you’re on your way.

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    Videos to spark action

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    Show these short videos to introduce a topic and connect it to a specific action with our tools and handouts.

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    + +
    +

    Co-brand the booklets

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    +
    +

    Use the professional print files to add your logo to our booklets and have them printed locally.  Or if you need more copies, print them as they are.

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    Youth financial education

    +
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    Developing financial knowledge, skills, and habits is an important stepping stone on young people’s path to adult financial well-being. The tools and resources listed here support K–12 financial education.

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    Finding classroom activities

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    Use CFPB’s interdisciplinary, age-appropriate activities in your own K-12 classroom to help students develop the building blocks and increase their financial capability.

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    + Activities to teach the building blocks of financial capability +
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    Tools and resources to teach youth financial capability in the classroom

    +

    If you work with children and youth, you can help them develop the building blocks of financial capability—at school, at home, and in the community. CFPB's tools and resources can help you teach financial literacy across the curriculum, even if you’re new to the topic.

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    Teaching and learning strategies

    +
    +

    Incorporate the building blocks of financial capability into your classroom and assess student progress toward key milestones.

    + +
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    A developmental model

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    Our framework for how youth acquire the building blocks of financial capability from K to 12 helps educators reach youth at pivotal points in their development.

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    Tools and resources for educators

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    CFPB provides tools and resources to understand best practices in financial education, evaluate financial education curricula, and explore relevant research.

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    Research and resources

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    +

    We support educators and community leaders by conducting research and developing resources to improve financial education and support evidence-based policy and program decisions.

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    Financial education curriculum review

    +
    +

    Use our evidence-based tool to review and compare financial education curricula so you can choose the one that best meets the needs of your students and classrooms.

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    Resources for parents

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    Money as You Grow activities and conversation starters help children develop money skills, habits, and attitudes that can serve them well as adults.

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    Printed copies of materials

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    We provide information, tools, and resources that lead to more effective design and delivery of financial education. You can download or order these materials from our publications page.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/learn/index.html b/www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/learn/index.html new file mode 100644 index 000000000000..24b57ed72390 --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/learn/index.html @@ -0,0 +1,1569 @@ + + + + + + + Learn about the building blocks of financial capability | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
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    + An official website of the + United States government +
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    Learn about the building blocks of financial capability

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    Findings from CFPB's research suggest that the knowledge, skills, and behaviors associated with adult financial capability stem from three interconnected building blocks developed in youth. These building blocks form a framework for youth financial literacy education.

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    Understanding youth financial capability

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    Youth financial capability skills grow over time and are key to achieving adult financial well-being. Learn how CFPB's three building blocks of financial capability help teachers of all grade levels and subject areas go beyond traditional financial literacy education.

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    Three building blocks of financial capability

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    Children and youth need all three of the interconnected building blocks to achieve financial capability. Learn more about each of the building blocks below.

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    + + +
    +

    Executive function

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    The thinking skills and abilities needed to plan ahead, focus attention, remember information, practice self-control, and juggle multiple tasks.

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    Financial habits and norms

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    The values, standards, routine practices, and rules to live by used to navigate day-to-day financial life.

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    Financial knowledge and decision-making skills

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    The knowledge and skills needed to understand the financial world and make informed financial decisions.

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    A developmental model

    The report “Building blocks to help youth achieve financial capability: A new model and recommendations” presents an evidence-based developmental model for building financial capability. It also provides strategies for teaching financial capability from early childhood through adolescence.

    The model outlines a general framework for when children and youth typically acquire skills and traits related to the building blocks of financial capability. These developmental stages establish general benchmarks, since thinking skills may evolve at different rates from person to person, and access to financial decision-making experiences and opportunities may vary.

    Early childhood (ages 3–5)

    • Children begin to develop the foundational skills related to executive function.
    • Basic values and attitudes related to financial concepts begin to form.
    • Children begin to understand math and numbers needed for financial skills.

    Middle childhood (ages 6–12)

    • Executive function skills and behaviors continue to grow.
    • Financial habits and norms really start to take shape as children start to form independent identities, observe how family members and peers interact with money, and begin to learn financial lessons.
    • Children learn basic concepts about money management.

    Adolescence and young adulthood (13–21)

    • Executive function continues to mature.
    • Habits and norms about money continue to develop.
    • Youth solidify financial knowledge and decision-making skills, which become more relevant in their everyday lives.

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    Learn more

    Learn more about the research-based model for developing youth financial capability.

    Read the report

    Read the fact sheet

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/teach/activities/index.html b/www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/teach/activities/index.html new file mode 100644 index 000000000000..0c0df494aee4 --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/teach/activities/index.html @@ -0,0 +1,2282 @@ + + + + + + + Find financial literacy activities | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Find financial literacy activities

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    +

    Find activities that can help you teach and nurture the building blocks of financial capability across the curriculum.

    +
    +

    These classroom activities can be completed within a single class period. Each activity comes with a teacher guide and supporting student material, so it’s easy to implement whether you’re an experienced personal finance teacher, integrating financial literacy into another subject area, or supplementing your existing financial education curriculum.

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    Search for activities

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    +Skip to search results +
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    + 136 activities +

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    + 136 activities +

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    +
      +
    • +

      Mapping your money journey (elementary school)

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: Elementary school (4-5) +

      +

      Students complete a short survey to find out about their current money skills and explore things they can do to manage money better.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn, Save and invest, Protect, Spend, Borrow +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Executive function +
        • +
      • + + + + Financial habits and norms +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Mapping your money journey (middle and high school)

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: Middle school (6-8), High school (9-10), High school (11-12) +

      +

      Students complete a short survey to find out about their current money skills and explore things they can do to manage money better.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn, Save and invest, Protect, Spend, Borrow +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Executive function +
        • +
      • + + + + Financial habits and norms +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Storing my savings

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: High school (9-10), High school (11-12) +

      +

      Students read descriptions of common places to store their money and weigh the benefits and risks of each to decide which one(s) fit their financial goals.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Save and invest (Banking options, Choosing how to save, Investing) +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial habits and norms +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Becoming familiar with taxes

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: High school (9-10), High school (11-12) +

      +

      Students match tax types to definitions and then apply their knowledge to tax scenarios.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Becoming an entrepreneur, Paying taxes) +
      +
      +
      Activity duration:
      + 45-60 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Understanding jobs, teens, and taxes

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: High school (9-10), High school (11-12) +

      +

      Students read a handout about taxes and respond to questions to explore the relationship between working and taxes.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Becoming an entrepreneur, Getting paid, Making money, Paying taxes) +
      +
      +
      Activity duration:
      + 15-20 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Understanding taxes and your paycheck

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: High school (9-10), High school (11-12) +

      +

      Students analyze statements about taxes to better understand how taxes affect people’s paychecks.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Getting paid, Making money, Paying taxes) +
      +
      +
      Activity duration:
      + 45-60 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Understanding redlining

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: High school (9-10), High school (11-12) +

      +

      Students read a handout about the practice of redlining and answer questions about its impact on individuals and communities.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Save and invest (Saving for long-term goals), Spend (Buying things), Borrow (Getting loans) +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial habits and norms +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Drawing your own business comic strip

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: Elementary school (4-5), Middle school (6-8) +

      +

      Students explore entrepreneurship by reading a story about entrepreneurs and drawing a comic strip about starting a business.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Becoming an entrepreneur, Learning about careers, Making money) +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Financial habits and norms +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
    • +

      Exploring entrepreneurship

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: Elementary school (4-5), Middle school (6-8) +

      +

      Students read a book about starting a business, think of an idea for a product they can create or improve, and design a plan for selling it.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Becoming an entrepreneur, Learning about careers, Making money) +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Executive function +
        • +
      • + + + + Financial habits and norms +
        • +
      +
      +
      +
      • +
    • +

      Exploring opportunity costs

      +

      + + Updated + + + + +

      +

      + + + + Ideal for: Elementary school (4-5), Middle school (6-8) +

      +

      Students read a book about the opportunity costs of starting a business, play a fill-in-the-blank game, and discuss things they could give up so they can have something else.

      +
      +
      +

      Key information

      +
      +
      Topic:
      + Earn (Becoming an entrepreneur, Learning about careers, Making money), Spend (Buying things) +
      +
      +
      Activity duration:
      + 75-90 minutes +
      +
      +
      +

      Building block

      +
        +
      • + + + + Executive function +
        • +
      • + + + + Financial knowledge and decision-making skills +
        • +
      +
      +
      +
      • +
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    + +
    + Activities align with the My Money Five principles introduced by the statutorily created federal Financial Literacy and Education Commission. +
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    + + + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/financial-well-being/index.html b/www.consumerfinance.gov/consumer-tools/financial-well-being/index.html new file mode 100644 index 000000000000..8c105e2a6ccd --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/financial-well-being/index.html @@ -0,0 +1,2345 @@ + + + + + + + Find out your financial well-being | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    +
    +

    Find out your financial well-being

    +
    +

    + Answer ten questions to measure your current financial well-being and see steps you can take to improve it. +

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    + Ver página en español +

    +

    Here’s how it works:

    +

    + Answer the questions and get your score. + You won’t be asked about any personal financial data—it’s not that kind of questionnaire. + See how and why we developed it. +

    +

    + Review steps you can take + if you want to be able to answer the questions differently. +

    +

    + See how your score compares + to other U.S. adults from our national survey. +

    +
    + +
    +

    + We never collect or store the answers you provide. +

    + +
    +
    +
    +
    +

    Part 1: How well does this statement describe you or your situation?

    +
    +
    +

    + I could handle a major unexpected expense +

    +
    This statement describes me
    +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
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    +

    + I am securing my financial future +

    +
    This statement describes me
    +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
    +
    +

    + Because of my money situation, I feel like I will never have the things I want in life +

    +
    This statement describes me
    +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
    +
    +

    + I can enjoy life because of the way I’m managing my money +

    +
    This statement describes me
    +
    +
    + + +
    +
    + + +
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    + + +
    +
    + + +
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    + + +
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    +
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    +

    + I am just getting by financially +

    +
    This statement describes me
    +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
    +
    +

    + I am concerned that the money I have or will save won’t last +

    +
    This statement describes me
    +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
    +
    +
    +
    +

    Part 2: How often does this statement apply to you?

    +
    +
    +

    + Giving a gift for a wedding, birthday or other occasion would put a strain on my finances for the month +

    +
    This statement applies to me
    +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
    +
    +

    + I have money left over at the end of the month +

    +
    This statement applies to me
    +
    +
    + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
    +
    +

    + I am behind with my finances +

    +
    This statement applies to me
    +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
    +
    +

    + My finances control my life +

    +
    This statement applies to me
    +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    + + +
    +
    +
    +
    +
    +
    +

    About you

    +
    +
    +
    +

    + Select your age group. This changes the scoring calculation. +

    +
      +
    • +
      + + +
      +
      • +
    • +
      + + +
      +
      • +
    +
    +
    +
    +
    +

    + Select how you completed the questionnaire. This changes the scoring calculation. +

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    + Fraud and scams key terms +

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    Elder financial exploitation is the illegal or improper use of an older adult’s funds, property, or assets. It is the most common form of elder abuse, but only a small fraction of incidents are reported.

    The perpetrators can be strangers who gain the trust of older adults, but they can also be family members or friends. It's important to know the warning signs. Read more.

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    Foreclosure relief and mortgage loan modification scams are schemes to take your money or your house—often by making a false promise of saving you from foreclosure. These scammers may ask for money upfront and claim to guarantee that you can get your mortgage terms changed. If you’re having trouble making mortgage payments, a HUD-approved housing counseling agency can walk you through your options for free.

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    A fraud alert is something you can use to reduce the likelihood that you will be the victim of new account identity theft. It requires creditors who check your credit report to take steps to verify your identity before opening a new account, issuing an additional card, or increasing the credit limit on an existing account. When you place a fraud alert on your credit report at one of the nationwide credit reporting companies, the company must notify the others.

    There are two main types of fraud alerts: initial fraud alerts and extended alerts. Members of the military have an additional option available to them—active duty alerts, which give service members protection while they are on active duty. Read more.

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    A fiduciary is someone who manages someone else’s money or property. For example, agents under a power of attorney and court-appointed guardians are fiduciaries.

    When you are named a fiduciary, you are required by law to manage the person’s money and property for his or her benefit, not yours. When a fiduciary spends the money for his or her own benefit, that may be fraud.

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    Identity theft occurs when someone steals your identity to commit fraud.

    Stealing your identity could mean using personal information without your permission, such as your name, Social Security number, bank account information, or credit card number. The Federal Trade Commission offers information about preventing and responding to identify theft.

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    Imposter scammers try to convince you to send money by pretending to be someone you know or trust like a sheriff, local, state, or federal government employee, or charity organization. Remember, caller ID can be faked. You can always call the organization or government agency and ask if the person works for them before giving any money.

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    Mail fraud letters look real but the promises are fake. A common warning sign is a letter asking you to send money or personal information now to get something valuable after you send the money or information.

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    In phishing, a scammer impersonates a business or a person to trick you into giving out your personal information, such as passwords, credit card numbers, or bank account information. A scammer may use fraudulent emails, texts, or websites to steal this information from you. These emails can look authentic.

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    A security freeze prevents new creditors from accessing your credit file and others from opening accounts requiring a credit check in your name, until you lift the freeze.

    Because most businesses will not open credit accounts without checking your credit report, a freeze can stop identity thieves from opening new accounts in your name. Be mindful that a freeze doesn’t prevent identity thieves from taking over existing accounts. Read more.

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    Spoofing occurs when a caller disguises the information shown on your caller ID. This gives the caller the ability to disguise or "spoof" the name and/or number to appear as though they are calling as a certain person from a specific location.

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    Some scammers trick you into wiring or transferring money to steal from you. One common example of a wire transfer fraud is the “grandparent scam.” This is when a scammer posing as a grandchild or a friend of a grandchild will call and say they are in a foreign country, or in some kind of trouble, and need money wired or sent right away.

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    Showing 3 results within know your rights

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    Still have a question?

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    Call us if you still can’t find what you’re looking for.

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    TTY/TDD: (855) 729-2372

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    Call us if you still can’t find what you’re looking for.

    (855) 411-2372

    TTY/TDD: (855) 729-2372

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    Fraud and scams placemats for meal service providers

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  • - Ten things you can do to avoid fraud (FTC) -
    • diff --git a/www.consumerfinance.gov/consumer-tools/guide-to-filing-your-taxes/index.html b/www.consumerfinance.gov/consumer-tools/guide-to-filing-your-taxes/index.html new file mode 100644 index 000000000000..8dfd745d7cc5 --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/guide-to-filing-your-taxes/index.html @@ -0,0 +1,1416 @@ + + + + + + + Guide to filing your taxes in 2023 | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Guide to filing your taxes in 2023

    +

    Changes for 2023
    About filing your tax return
    Different ways to file your taxes
    Understand Refund Anticipation Checks and Refund Advance Loans
    Access your tax refund quickly and safely

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    2023 tax deadlines

    The end of the 2023 tax season for most Americans is April 18, 2023. If you are unable to file before that date you still have options.

    1. You can file for an extension. Filing an extension gives you an additional six months to October 15, 2023, to submit a complete return. If you believe you will owe taxes you must estimate how much you owe and pay the amount due with your extension form .
    2. You can file a late return without an extension. If you owe taxes, then you may be assessed a penalty for filing late.
    3. If you do not owe taxes or you expect a refund, you may not owe a penalty. Still, it may be best to file as soon as you can to receive your refund or to ensure you don’t owe a balance. See below for more information on ways to file a return for free and claiming your tax refund.

    Exceptions to 2023 tax season filing deadline

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    Changes for 2023

    When you file your taxes this year, you may have a lower refund amount, since some tax credits that were expanded and increased in 2021 will return to 2019 levels. The 2023 changes include amounts for the Child Tax Credit (CTC), Earned Income Tax Credit (EITC), and Child and Dependent Care Credit.

    • Those who got $3,600 per dependent in 2021 for the CTC will, if eligible, get $2,000 for the 2022 tax year.
    • For the EITC, eligible taxpayers with no children who received roughly $1,500 in 2021 will now get a maximum of $530 in 2022.
    • The Child and Dependent Care Credit returns to a maximum of $2,100 in 2022 instead of $8,000 in 2021.
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    About filing your tax return

    If you have income below the standard deduction threshold for 2022 , which is $12,950 for single filers and $25,900 for married couples filing jointly , you may not be required to file a return. However, you may want to file anyway. In many cases, especially for people with low incomes, these features can increase the amount you could receive in a refund. There are some key factors to make sure you look out for.

    Over-withholding

    If you worked during 2022 and had taxes withheld from your paycheck, you may be able to get some or all of that “over-withholding” back in your refund. Make sure you get W2 forms from all your employers and enter that information into the tax form when you fill it out.

    The earned income tax credit

    To claim the Earned Income Tax Credit (EITC) , you must

    If you are eligible for this credit, the maximum amount you could receive is:

    • $560 if you have no dependent children
    • $3,733 if you have one qualifying child
    • $6,164 if you have two qualifying children
    • $6,935 if you have three or more qualifying children

    The child tax credit (CTC)

    The Child Tax Credit is worth a maximum of $2,000 per qualifying child. Up to $1,500 is refundable. To be eligible for the CTC, you must have earned more than $2,500.

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    Different ways to file your taxes

    If you are one of the estimated 100 million people that are eligible to file your tax return for free you can keep all of your refund money by choosing one of three options.

    In person full-service free tax preparation

    If you meet the requirements below, you may be able to take advantage of in-person, full-service tax preparation services through the IRS Volunteer Income Tax Assistance (VITA) , AARP Foundation Tax-Aide, and The Tax Counseling for the Elderly (TCE) programs. These free programs have operated for over 50 years and use IRS certified tax preparers and meet high IRS quality standards. This means you can be assured that you will have an accurate return.

    You can schedule an appointment with VITA/TCE and Tax-Aide sites if you:

    • Generally make $60,000 or less,
    • Have a disability,
    • Have limited English skills or speak English as a second language, or
    • Are 60 years or older

    Find a VITA or an AARP Tax Aide site

    Note: Some VITA or AARP Tax Aide sites are open year-round and some close at the end of tax season. When you search for a site, check the “Dates open” column to find a site that plans to remain open after April 18, 2023.

    Remote full-service free tax preparation

    You can prepare your own return with help from IRS certified volunteers when you need it through MyFreeTaxes if:

    • Your income is $73,000 or less.

    You can get connected to VITA providers around the country virtually to have your return prepared by signing up through GetYourRefund if:

    • Your income is $66,000 or less.

    Free self-preparation

    You can prepare and file your own return through IRS Free File :

    • If your income is $73,000 or less, you can access guided return preparation assistance.
    • If your income is greater than $73,000 you can access fillable forms to prepare your own return without assistance.

    Free tax filing for servicemembers

    You can prepare and file your tax return for free through MilTax if you are:

    • Active-duty service members, spouses and dependent children of the eligible service members.
    • Members of the National Guard and reserve — regardless of activation status.
    • Retired and honorably discharged service members, including Coast Guard veterans, within 365 days of their discharge.
    • A family member who is managing the affairs of an eligible service member while the service member is deployed.
    • A designated family member of a severely-injured service member who is incapable of handling their own affairs.
    • Eligible survivors of active-duty, National Guard and reserve deceased service members regardless of conflict or activation status.
    • Some members of the Defense Department civilian expeditionary workforce.

    Consider these factors before using a fee-based tax preparer

    Before choosing to pay someone to prepare your taxes here are a few things to consider:

    • The fees you pay will generally be based on the complexity of your return. If for example you have multiple sources of income including self-employment, are claiming certain tax credits, or have had changes in your life circumstances during the course of the year you will likely pay more than if you have a simple return.
      • Despite the complexity of your return, you may still be eligible to file your taxes for free if you meet the guidelines listed above so check with the free provider of your choice first before paying to have your taxes done.
    • If you go to a paid preparer they may offer you additional products that will reduce the amount of your refund such as refund anticipation checks or refund anticipation loans.
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    Understand refund anticipation checks and refund advance loans

    Refund Anticipation Check (RAC)

    If you use a fee-based tax preparer and you don’t have the necessary filing fees, some tax preparers may offer you a refund anticipation check (RAC). A RAC allows you to pay the tax preparation fee out of your refund instead of upfront. When you receive your refund, the tax preparer will take out the RAC fee, filing fee, and any other service fees they charged you. A RAC doesn’t deliver your refund more quickly.

    RAC fees typically range from $30 to $50.

    Refund Advance Loan (RAL)

    Some fee-based tax preparers may offer you a refund advance loan (RAL) so that you can get a portion of your expected refund in advance. Tax preparers may call them a “tax refund advance.” If you decide to do an advance, you will borrow money upfront from the preparer, and once the IRS issues your refund to the tax preparer, you receive the remaining portion, minus the RAL fee, and any other service fees they charged you. The amount of a RAL is typically a percentage of your estimated tax refund.

    All tax preparation firms are different. Some firms offer RALs with no fees or interest, but others may charge fees and interest.

    Keep in mind that when you file electronically, the IRS typically issues most refunds in less than 21 days, so you may end up paying a big RAL fee for a short-term advance.

    As with any financial product or service, carefully consider all fees and charges, as well as timing, to help make an informed decision that’s best for your situation.

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    Access your tax refund quickly and safely

    If you think you may receive a refund, here are some things to think about before you file your return:

    • Electronically filing and choosing direct deposit is the fastest way to get your refund. When using direct deposit, the IRS normally issues refunds within 21 days. Issuance of paper check refunds may take much longer. The IRS estimates 4 to 6 weeks.
      • If you already have an account with a bank or credit union, make sure you have your information ready — including the account and routing number — when you file your tax return. You can provide that information on the tax form and the IRS will automatically deposit the funds into your account.
      • If you have a prepaid card that accepts direct deposit, you can also receive your refund on the card. Check with your prepaid card provider to get the routing and account number assigned to the card before you file your return.
      • Learn more about choosing the right prepaid card.
    • If you don’t have a bank account or prepaid card, consider opening an account or getting a prepaid card. Many banks and credit unions offer accounts with low (or no) monthly maintenance fees when you have direct deposit or maintain a minimum balance. These accounts may limit the types of fees you can incur and may also offer free access to in-network automated teller machines (ATMs). You can often open these accounts easily online.
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    Watch out for tax scams!

    Scammers usually target you by impersonating the IRS to get you to share your personal information with them. Thousands of people have lost millions of dollars and their personal information to tax scams. Scammers use mail, telephone, or email to target individuals, businesses, and payroll and tax professionals.

    The IRS does not initiate contact with taxpayers by email, text messages, or social media channels to request personal or financial information. Learn how to recognize the telltale signs of a scam and make sure you know how to tell if it’s really the IRS calling or knocking on your door.

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    Managing someone else’s money

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    Millions of Americans manage money or property for a loved one who’s unable to pay bills or make financial decisions. To help financial caregivers, we offer easy-to-understand guides.

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    Considering a financial caregiver?

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    Are you or a loved one planning ahead in case you need help managing your money in the future? Knowing your options will help you choose what works best for your situation.

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    Find the right guide for you

    The guides are tailored to the needs of people in four different fiduciary roles:

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    Power of attorney

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    Guides for those who have been named in a power of attorney to make decisions about money and property for someone else. 

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    Court-appointed guardians

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    Guides for those who have been appointed by a court to be guardians of property or conservators, giving them the duty and the power to make financial decisions on someone’s behalf. 

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    Trustees

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    Guides for those who have been named as trustees under revocable living trusts.

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    Government fiduciaries

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    Guides for those who have been appointed by a government agency to manage another person's income benefits, such as Social Security or Veterans Affairs benefit checks. 

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    Co-brand the guides

    Want to share the Managing Someone Else’s Money guides with customers and clients? Learn how to co-brand the CFPB booklets .

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    Navigating the military financial lifecycle

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    Whether you’re a servicemember entering basic training or you just hung up the uniform, we can help you handle financial challenges at every step of your military career. Get the resources .

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    Financial basics for new and current servicemembers

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    Servicemembers are expected to keep their finances in order at every step of their military career. Learn how. 

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    The Servicemembers Civil Relief Act (SCRA)

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    The SCRA is a law that provides legal and financial protections to those who have answered the call to serve.

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    Borrowing money: Your rights under the Military Lending Act (MLA)

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    The MLA includes a number of rights for servicemembers and dependents. If you qualify, you can’t be charged an annual percentage rate higher than 36% on most types of consumer loans.

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    Dealing with debt collection

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    There are laws that spell out what debt collectors can say or do. Know your rights if you get a call about a debt.

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    Servicemembers, arm yourself with basic car buying skills

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    Before you rush off to the nearest car dealer advertising “Military – low payments, no interest, or zero down,” let us arm you with some basic car buying and car financing skills.

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    Strategies for tackling student loan debt

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    You may have options for lowering your interest rates, reducing monthly payments and qualifying for student loan forgiveness based on your public service. Take action today.

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    Servicemembers, take these immediate actions for a strong financial future

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    The immediate actions toward financial freedom include three basic steps: first, pay off high-interest debt; second, set goals and make a financial plan; and third, start saving and investing early.

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    Permanent Change of Station (PCS) and deployments

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    Moving is a military fact of life and often means managing financial challenges ranging from dealing with leases to sometimes having others make decisions on your behalf.

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    Use alerts to protect your finances

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    Whether you’re overseas or in the US, protect your finances with these fraud and identity theft alerts.

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    Delegating financial management during deployment

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    Giving a trusted person the power of attorney to make financial decisions for you while you’re away can provide peace of mind. Learn more about how it works and if it’s for you.

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    PCS’ing with an auto lease

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    The Servicemembers Civil Relief Act (SCRA) allows active duty servicemembers to terminate an auto lease without paying early termination charges in some circumstances.

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    Handling PCS orders and an underwater home loan

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    If you owe more on your home than it’s worth and have received PCS orders, you may be able to sell your home and not have to pay back the remaining balance.

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    Transitions and life events

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    Learn more about handling other events in your personal financial life, from buying a home to raising a family with strong money management skills.

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    Buying a home: What you need to know

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    Whether you’re just thinking about buying a home or about to close, we can help you take control of the home loan process.

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    Safely consolidating credit card debt

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    If you’re considering rolling your debts into one monthly payment, we have what you need to know and where you can find a non-profit credit counselor to help you explore your options.

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    Set money goals that reflect your life

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    Making a plan ahead of time is the easiest way to navigate changes in income, priorities, or goals.

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    Teach your kids money management skills

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    You can teach your children basic money management skills today with these easy-to-use, age-appropriate activities and discussion topics.

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    Leaving the service and veterans’ issues

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    From GI Bill® benefits to Social Security, leaving the service requires navigating a different set of financial challenges. 

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    Going to college: Make the most of GI Bill benefits

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    The new GI Bill is the most generous education benefit since WWII. Use the Department of Veterans Affairs tool to make informed decisions when using those hard-earned benefits. 

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    Considering a pension advance? Avoid these traps

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    Many people depend on a pension to cover day-to-day as well as occasional unexpected expenses. Learn how to protect yours.

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    Can debt collectors take your Social Security or VA benefits?

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    Generally, a debt collector cannot take funds from your Social Security or VA benefits directly from your bank account or prepaid card.  

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    Know your Social Security benefits before deciding to retire

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    Our Planning for Retirement interactive tool can help you make an informed decision about when to claim Social Security and what to expect.

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    Are you a professional looking for resources to help servicemembers, veterans, and families?

    See more tools and resources to use with the people you serve

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/consumer-tools/money-as-you-grow/index.html b/www.consumerfinance.gov/consumer-tools/money-as-you-grow/index.html new file mode 100644 index 000000000000..0b83c9e1832f --- /dev/null +++ b/www.consumerfinance.gov/consumer-tools/money-as-you-grow/index.html @@ -0,0 +1,1697 @@ + + + + + + + Money as You Grow | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Money as You Grow:
    Help for parents and caregivers

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    No need to be a money expert—the tips and activities here can help your children’s money skills, habits, and attitudes grow.

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    Build your child's money skills

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    See if your child is reaching age-appropriate money milestones. Then, find activities and conversation starters that can keep your child on track.

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    + Activity worksheets
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    Talk about money choices

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    Wondering if it’s the right time to talk to your child about a money topic that’s on your mind? It’s not too early—or too late! See how to adapt the conversation to where your child is, developmentally.

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    Read together

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    Money as You Grow Bookshelf can help you weave money skills into the time you may already spend reading to your kids at home, in a way they'll understand.

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    + Money as You Grow reading guides next to coffee mug
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    Meet the Money Monsters

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    These Money Monster stories introduce children to ideas, habits, and activities that they'll need as they grow up and start to manage money.

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    See more research, outreach, and engagement tools for children and youth

    See more resources to use with the people you serve

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    Sources and acknowledgements

    The content and activities for parents and caregivers are based on and adapted, with permission, from Money as You Grow. We are grateful to Beth Kobliner and all those who made Money as You Grow possible.

    Money as You Grow was recommended as an initiative by the President's Advisory Council on Financial Capability , chaired by John W. Rogers and vice-chaired by Amy Rosen. The initiative, developed by Beth Kobliner, chair of the Council's Money as You Grow working group, offered essential, age-appropriate financial lessons—with corresponding activities—that kids need to know as they grow. Written in down-to-earth language for children and their families, Money as You Grow helped equip kids with the knowledge they need to live fiscally fit lives. The lessons in Money as You Grow were based on more than a year of research, and drawn from dozens of standards, curricula, and academic studies.

    The CFPB researched the way children develop the abilities and attributes  that contribute to their financial well-being in adulthood. Additional research identified milestones for developing financial capability, and ways to measure it. With support from the Corporation for Enterprise Development and researchers from University of Wisconsin–Madison and University of Maryland, Baltimore County, we developed a framework that connects Money as You Grow activities to children’s financial developmental stages. With that framework in mind, we have updated and adapted the Money as You Grow activities and content.

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    + Automated Clearing House (ACH) + +
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    An ACH is an electronic fund transfer made between banks and credit unions across what is called the Automated Clearing House network.

    ACH is used for all kinds of fund transfer transactions, including direct deposit of paychecks and monthly debits for routine payments. Merchants often enable consumers to pay bills via ACH by providing an account number and bank routing number. A number of online payment services also conduct transactions via ACH, including most banks and credit unions’ online bill payment services.

    + Read more +
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    + Remittance transfer + +
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    Federal law defines “remittance transfers” as most electronic money transfers from consumers in the United States through “remittance transfer providers” to recipients abroad.

    Remittance transfers are commonly known as “international wires,” “international money transfers,” or “remittances.” Under federal law, remittance transfers do not include transfers of less than $15.

    + Read more +
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    + Remittance transfer provider + +
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    Under federal law, a remittance transfer provider is a business that transfers money electronically for consumers to people and businesses in foreign countries. These companies include many money transmitters, banks, and credit unions, and possibly other types of financial services companies.

    + Read more +
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    + Virtual currencies + +
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    Virtual currencies, such as Bitcoin, are a way for people to track, store, and send value over the Internet. Some people and businesses accept them as a form of payment, treating virtual currencies like a foreign currency or form of money – though virtual currencies are not backed by a government or central bank.

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    + Wire transfer + +
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    The term “wire transfer” is often used to refer to any electronic transfer of money from one person to another.

    The term “wire transfer” also has a more narrow technical meaning, referring to one certain method of transferring funds, which usually involves an electronic transfer of funds from one bank or credit union account to another. In general, wire transfers that are made by consumers from the United States to other countries are considered "remittance transfers" under federal law.

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    + 5/1 Adjustable Rate Mortgage + +
    +
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    A 5/1 adjustable rate mortgage (ARM) or 5-year ARM is a mortgage loan where “5” is the number of years your initial interest rate will stay fixed. The “1” represents how often your interest rate will adjust after the initial five-year period ends. The most common fixed periods are 3, 5, 7, and 10 years and “1,” is the most common adjustment period. It’s important to carefully read the contract and ask questions if you’re considering an ARM.

    Learn more about how adjustable rates change. 

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    + Ability-to-repay rule + +
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    The ability-to-repay rule is the reasonable and good faith determination most mortgage lenders are required to make that you are able to pay back the loan. 

    + Read more +
    +
    +
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    + Adjustable Rate Mortgage (ARM) + +
    +
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    An adjustable rate mortgage (ARM) is a type of loan for which the interest rate can change, usually in relation to an index interest rate. Your monthly payment will go up or down depending on the loan’s introductory period, rate caps, and the index interest rate. With an ARM, the interest rate and monthly payment may start out lower than for a fixed-rate mortgage, but both the interest rate and monthly payment can increase substantially. 

    Learn more about how ARMs work and what to consider.

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    + Amortization + +
    +
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    Amortization means paying off a loan with regular payments over time, so that the amount you owe decreases with each payment. Most home loans amortize, but some mortgage loans do not fully amortize, meaning that you would still owe money after making all of your payments.

    Some home loans allow payments that cover only the amount of interest due, or an amount less than the interest due. If payments are less than the amount of interest due each month, the mortgage balance will grow rather than decrease.  This is called negative amortization. Other loan programs that do not amortize fully during the loan may require a large, lump sum “balloon” payment at the end of the loan term. Be sure you know what type of loan you are getting.

    Learn more about the homebuying process.

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    + Amount financed + +
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    +

    It means the amount of money you are borrowing from the lender, minus most of the upfront fees the lender is charging you. 

    + Read more +
    +
    +
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    + Annual income + +
    +
    +

    Annual income is a factor in a mortgage loan application and generally refers to your total earned, pre-tax income over a year. Annual income may include income from full-time or part-time work, self-employment, tips, commissions, overtime, bonuses, or other sources.  A lender will use information about your annual income and your existing monthly debts to determine if you have the ability to repay the loan.

    Whether a lender will rely upon a specific income source or amount when considering you for a loan will often depend upon whether you can reasonably expect the income to continue.

    Learn more about why your ability to repay is important to lenders.

    +
    +
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    +
    + Annual Percentage Rate (APR) + +
    +
    +

    An annual percentage rate (APR) is a broader measure of the cost of borrowing money than the interest rate. The APR reflects the interest rate, any points, mortgage broker fees, and other charges that you pay to get the loan. For that reason, your APR is usually higher than your interest rate.

    Learn how to compare APRs 

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    +
    + Appraisal fee + +
    +
    +

    An appraisal fee is the cost of a home appraisal of a house you plan to buy or already own. Home appraisals provide an independent assessment of the value of the property. In most cases, the selection of the appraiser and any associated costs is up to your lender.

    Learn more about the homebuying process.

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    +
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    + Automatic payment + +
    +
    +

    Automatic payments allow you to set up recurring mortgage payments through your bank. Automatic payments can be a convenient way to make sure that you make your payments on time. 

    +
    +
    +
    +
    + Balloon loan + +
    +
    +

    For mortgages, a balloon loan means that the loan has a larger-than-usual, one-time payment, typically at the end of the loan term. This one-time payment is called a “balloon payment, and it is higher than your other payments, sometimes much higher. If you cannot pay the balloon amount, you might have to refinance, sell your home, or face foreclosure. 

    Find out why balloon loans might be risky. 

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    +
    +
    + Bi-weekly payment + +
    +
    +

    In a bi-weekly payment plan, the mortgage servicer is collecting half of your monthly payment every two weeks, +resulting in 26 payments over the course of the year (totaling one extra +monthly payment per year). By making additional payments and applying your payments to the principal, you may be able to pay off your loan early. Before choosing a bi-weekly payment, be sure to review your loan terms to see if you will be subject to a prepayment penalty if you do so. Check if your servicer charges any fees for a bi-weekly payment plan. You may be able to accomplish the same goal without the fee by making an extra monthly mortgage payment each year.

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    +
    +
    + Closing Disclosure + +
    +
    +

    A Closing Disclosure is a required five-page form that provides final details about the mortgage loan you have selected. It includes the loan terms, your projected monthly payments, and how much you will pay in fees and other costs to get your mortgage.

    Learn how to double-check that all the details about your loan are correct on your closing disclosure.

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    + Construction loan + +
    +
    +

    A construction loan is usually a short-term loan that provides funds to cover the cost of building or rehabilitating a home.

    + Read more +
    +
    +
    +
    + Conventional loan + +
    +
    +

    A conventional loan is any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs). 

    Learn more about conventional loans and other loan types.

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    +
    +
    +
    + Co-signer or co-borrower + +
    +
    +

    A co-signer or co-borrower is someone who agrees to take full responsibility to pay back a mortgage loan with you. This person is obligated to pay any missed payments and even the full amount of the loan if you don’t pay. Some mortgage programs distinguish a co-signer as someone who is not on the title and does not have any ownership interest in the mortgaged home. Having a co-signer or co-borrower on your mortgage loan gives your lender additional assurance that the loan will be repaid. But your co-signer or co-borrower’s credit record and finances are at risk if you don’t repay the loan.

    Learn more about the homebuying process.

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    +
    +
    + Credit history + +
    +
    +

    A credit history is a record of your credit accounts and your history of paying on time as shown in your credit report. Consumer reporting companies, also known as credit reporting companies, collect and update information about your credit record and provide it to other businesses, which use it make decisions about you. Credit reports have information about your credit activity and current credit situation such as your loan paying history and the status of your credit accounts.

    Learn more about checking your credit history before buying a home.

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    +
    +
    + Credit report + +
    +
    +

    A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts. Lenders use your credit scores and the information on your credit report to determine whether you qualify for a loan and what interest rate to offer you.

    Find out how to get a copy of your credit reports.

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    + Credit score + +
    +
    +

    A credit score predicts how likely you are to pay back a loan on time. Companies use a mathematical formula—called a scoring model—to create your credit score from the information in your credit report. There are different scoring models, so you do not have just one credit score. Your scores depend on your credit history, the type of loan product, and even the day when it was calculated.

    Find out where you can get your credit score.

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    + Debt ratio + +
    +
    +

    Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income. This number is one way lenders measure your ability to manage the monthly payments to repay the money you plan to borrow.

    Learn how to calculate your debt-to-income ratio.

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    + Deed-in-lieu of foreclosure + +
    +
    +

    A deed-in-lieu of foreclosure is an arrangement where you voluntarily turn over ownership of your home to the lender to avoid the foreclosure process. A deed-in-lieu of foreclosure may help you avoid being personally liable for any amount remaining on the mortgage. If you live in a state in which you are responsible for any deficiency, which is a difference between the value of your property and the amount you still owe on your mortgage loan, you will want to ask your lender to waive the deficiency. If the lender waives the deficiency, get the waiver in writing and keep it for your records. A deed-in-lieu of foreclosure is one type of loss mitigation.

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    +
    +
    +
    + Delinquent + +
    +
    +

    Delinquent is another term for being late on your payments. Your loan can become delinquent when you miss a payment or don’t make a full payment by the due date. After you are delinquent for a certain period of time, a lender or servicer may begin the foreclosure process. The amount of time can vary by state.

    Federal rules may also apply to when the foreclosure may start. Learn more about your options if you can’t pay your mortgage.

    If you are impacted by the coronavirus

    Get more information about mortgage relief options.

    +
    +
    +
    +
    + Demand feature + +
    +
    +

    The Closing Disclosure has a statement that reads "Your loan has a demand feature," which is checked "yes" or "no." A demand feature permits the lender to require early repayment of the loan.

    + Read more +
    +
    +
    +
    + Down payment + +
    +
    +

    A down payment is the amount you pay toward the home upfront. You put a percentage of the home’s value down and borrow the rest through your mortgage loan. Generally, the larger the down payment you make, the lower the interest rate you will receive and the more likely you are to be approved for a loan. 

    Learn more about determining your down payment.

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    +
    +
    +
    + Down payment programs or grants + +
    +
    +

    A down payment grant or program typically refers to assistance provided by an organization such as a government or non-profit agency, to a homebuyer to assist them with the down payment for a home purchase. The funds may be provided as an outright grant or may require repayment, such as when the home is sold.

    Understand where you can get information on down payment programs and grants.

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    +
    +
    + Earnest money + +
    +
    +

    Earnest money is a deposit a buyer pays to show good faith on a signed contract agreement to buy a home. The deposit is held by a seller or third party like a real estate agent or title company. If the home sale is finalized or “closed” the earnest money may be applied to closing costs or the down payment. If the contract is terminated for a permissible reason, the earnest money is returned to the buyer. If the buyer does not perform in good faith, the earnest money may be forfeited and paid out to the seller.

    Learn more about the homebuying process.

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    +
    +
    +
    + Equity + +
    +
    +

    Equity is the amount your property is currently worth minus the amount of any existing mortgage on your property. 

    Learn what a home equity loan is.

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    +
    +
    +
    + Escrow + +
    +
    +

    An escrow account is set up by your mortgage lender to pay certain property-related expenses, like property taxes and homeowner’s insurance. A portion of your monthly payment goes into the account.  If your mortgage doesn’t have an escrow account, you pay the property-related expenses directly.

    Find out more about how the escrow impacts your monthly mortgage payment.

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    +
    +
    +
    + Fannie Mae + +
    +
    +

    The Federal National Mortgage Association (Fannie Mae) purchases and guarantees mortgages from lending institutions in an effort to increase affordable lending. Fannie Mae is not a federal agency. It is a government-sponsored enterprise under the conservatorship of the Federal Housing Finance Agency (FHFA).

    Learn more about conventional loans.

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    +
    +
    +
    + FHA funding fee + +
    +
    +

    The Federal Housing Administration (FHA) requires an FHA funding fee and a monthly insurance premium (MIP) for most of its single-family programs. This upfront mortgage insurance premium is sometimes called an upfront mortgage insurance premium (UFMIP).

    Find out if an FHA mortgage is right for you.

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    +
    +
    +
    + FHA loan + +
    +
    +

    FHA loans are loans from private lenders that are regulated and insured by the Federal Housing Administration (FHA). FHA loans differ from conventional loans because they allow for lower credit scores and down payments as low as 3.5 percent of the total loan amount. Maximum loan amounts vary by county. 

    Learn about this and other mortgage loan options.

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    +
    +
    +
    + FHA mortgage limits + +
    +
    +

    FHA mortgage limits are the dollar amount limits for qualifying mortgages that the FHA will insure as part of its single-family home mortgage program. These limits are based upon location and they may be revised each year.

    Use the FHA’s tool to look up your county-level loan limits .

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    +
    +
    +
    + Finance charge + +
    +
    +

    A finance charge is the total amount of interest and loan charges you would pay over the entire life of the mortgage loan.

    + Read more +
    +
    +
    +
    + First-time home buyers (FTHB) loan programs + +
    +
    +

    First-time home buyers (FTHB) may use a number of different types of loan programs to purchase their first home. Popular FTHB loans include programs offered by FHA, VA, USDA, Fannie Mae, and Freddie Mac with low down payments. Some programs define a FTHB as someone who hasn’t purchased a home in three years or more.

    Understand your loan options.

    +
    +
    +
    +
    + Fixed-rate mortgage + +
    +
    +

    A fixed-rate mortgage is a type of home loan for which the interest rate is set when you take out the loan and it will not change during the term of the loan.

    Learn more about how fixed-rate mortgages work and what to consider.

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    +
    +
    +
    + Forbearance + +
    +
    +

    Forbearance is when your servicer allows you temporarily to pay your mortgage at a lower rate or temporarily to stop paying your mortgage. Your servicer may grant you forbearance if, for example, you recently lost your job, suffered from a disaster, or from an illness or injury that increased your health care costs. Forbearance is a type of loss mitigation.

    Learn more about mortgage forbearance

    Depending on the kind of loan you have, there may be different forbearance options. You must contact your loan servicer to request forbearance. Remember that you will have to make up these missed or reduced payments when your forbearance period is over.

    If you are impacted by the coronavirus

    Get more information about mortgage relief options.

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    +
    +
    +
    + Force-placed insurance + +
    +
    +

    Your servicer may require force-placed insurance when you do not have your own insurance policy or if your own policy doesn’t meet your servicer’s requirements. Force-placed insurance usually protects only the lender, not you. The servicer will charge you for the insurance. Force-placed insurance is usually more expensive than finding an insurance policy yourself.

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    +
    +
    +
    + Foreclosure + +
    +
    +

    Foreclosure is when the lender or servicer takes back property after the homeowner fails to make mortgage payments. In some states, the lender has to go to court to foreclose on your property (judicial foreclosure), but other states do not require a court process (non-judicial foreclosure). Generally, borrowers must be notified if the lender or servicer begins foreclosure proceedings. Federal rules may apply to when the foreclosure may start.
    If you’re concerned about foreclosure, learn how to get help.

    If you are impacted by the coronavirus

    Get more information about mortgage relief options.

    +
    +
    +
    +
    + Freddie Mac + +
    +
    +

    The Federal Home Loan Mortgage Corporation (Freddie Mac) is a private corporation founded by Congress. Its mission is to promote stability and affordability in the housing market by purchasing mortgages from banks and other loan makers. The corporation is currently under conservatorship, under the direction of the Federal Housing Finance Agency (FHFA).

    Learn more about conventional loans.

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    +
    +
    +
    + Good Faith Estimate + +
    +
    +

    A Good Faith Estimate (GFE) is a form that a lender must give you when you apply for a reverse mortgage. The GFE lists basic information about the terms of the reverse mortgage loan offer. 

    Find out when you’d receive a Good Faith Estimate.

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    +
    +
    +
    + Government recording charges + +
    +
    +

    Government recording charges are fees assessed by state and local government agencies for legally recording your deed, mortgage and documents related to your home loan. 

    + Read more +
    +
    +
    +
    + Higher-priced mortgage loan + +
    +
    + In general, a higher-priced mortgage loan is one with an annual percentage rate, or APR, higher than a benchmark rate called the Average Prime Offer Rate. + Read more +
    +
    +
    +
    + HOA dues + +
    +
    +

    If you’re interested in buying a condo, co-op, or a home in a planned subdivision or other organized community with shared services, you usually have to pay condo fees or Homeowners’ Association (HOA) dues. These fees vary widely. Condo or HOA fees are usually paid separately from your monthly mortgage payment. If you do not pay these fees, you can face debt collection efforts by the homeowner’s association and even foreclosure.

    Learn more about the homebuying process.

    +
    +
    +
    +
    + Home appraisal + +
    +
    +

    An appraisal is a written document that shows an opinion of how much a property is worth. The appraisal gives you useful information about the property. It describes what makes it valuable and may show how it compares to other properties in the neighborhood. An appraisal is an independent assessment of the value of the property. 

    Learn more about why appraisals are important.

    +
    +
    +
    +
    + Home equity line of credit (HELOC) + +
    +
    +

    A home equity line of credit (HELOC) is a line of credit that allows you to borrow against your home equity. Equity is the amount your property is currently worth, minus the amount of any mortgage on your property. Unlike a home equity loan, HELOCs usually have adjustable interest rates. For most HELOCs, you will receive special checks or a credit card, and you can borrow money for a specified time from when you open your account. This time period is known as the “draw period.” During the “draw period,” you can borrow money, and you must make minimum payments. When the “draw period” ends, you will no longer be able to borrow money from your line of credit. After the “draw period” ends you may be required to pay off your balance all at once or you may be allowed to repay over a certain period of time. If you cannot pay back the HELOC, the lender could foreclose on your home. 

    +
    +
    +
    +
    + Home equity loan + +
    +
    +

    A home equity loan (sometimes called a HEL) allows you to borrow money using the equity in your home as collateral. Equity is the amount your property is currently worth, minus the amount of any existing mortgage on your property.  You receive the money from a home equity loan as a lump sum. A home equity loan usually has a fixed interest rate – one that will not change. If you cannot pay back the HEL, the lender could foreclose on your home. 

    +
    +
    +
    +
    + Home inspection + +
    +
    +

    A home inspection is often part of the home buying process. You typically have the right to hire a home inspector to examine a property and point out its strengths and weaknesses. This is often especially helpful to test a home’s structural and mechanical systems including heating, ventilation, air conditioning, and electrical.

    Learn how to schedule an inspection.

    +
    +
    +
    +
    + Homeowners’ Association (HOA) + +
    +
    +

    A homeowners’ association (HOA), is typically formed to manage shared expenses such as landscaping and other maintenance costs for a planned subdivision or other organized community. Condominium HOAs take on more responsibilities including, for example, the maintenance of driveways, shared structures, and roofs.

    Get more information on how HOAs may appear on your mortgage statement.

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    +
    +
    +
    + Homeowner's insurance + +
    +
    +

    Homeowner’s insurance pays for losses and damage to your property if something unexpected happens, like a fire or burglary. When you have a mortgage, your lender wants to make sure your property is protected by insurance. That’s why lenders generally require proof that you have homeowner’s insurance. Homeowner’s insurance is not the same as mortgage insurance.

    Learn more about the homebuying process.

    +
    +
    +
    +
    + Home purchase price + +
    +
    +

    A home’s purchase price is the amount agreed to by the buyer and seller to be paid to the seller to purchase the home.

    Learn more about finding the right home.

    +
    +
    +
    +
    + HUD + +
    +
    +

    The Department of Housing and Urban Development (HUD) is a government agency that helps people get and maintain quality affordable housing. They train and sponsor housing counselors all over the country. A HUD-approved housing counseling agency can provide you with homebuyer counseling to help you understand and evaluate your options.

    Find a HUD-approved housing counseling agency.

    +
    +
    +
    +
    + HUD-1 settlement statement + +
    +
    +

    The HUD-1 Settlement Statement lists all charges and credits to the buyer and to the seller in a real estate settlement, or all the charges in a mortgage refinance. You receive a HUD-1 if you apply for a reverse mortgage or if you applied for a mortgage on or before October 3, 2015. 

    Find out when you’d receive a HUD-1.

    +
    +
    +
    +
    + Index + +
    +
    +

    The index is a benchmark interest rate that reflects general market conditions. The index changes based on the market. Changes in the index, along with your loan’s margin, determine the changes to the interest rate for an adjustable-rate mortgage loan.

    Understand how the index factors into the interest rate for an adjustable-rate mortgage loan.

    +
    +
    +
    +
    + Initial adjustment cap + +
    +
    +

    An initial adjustment cap is typically associated with adjustable rate mortgages (ARMs). This cap determines how much the interest rate can increase the first time it adjusts after the fixed-rate period expires. It’s common for this cap to be either two or five percent – meaning that at the first rate change, the new rate can’t be more than two (or five) percentage points higher than the initial rate during the fixed-rate period.

    Understand how the index factors into adjustable-rate mortgage loans.

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    +
    +
    +
    + Initial escrow deposit + +
    +
    +

    An initial escrow deposit is the amount that you will pay at closing to start your escrow account, if required by your lender. 

    + Read more +
    +
    +
    +
    + Interest-only loan + +
    +
    +

    An interest-only mortgage is a loan with scheduled payments that require you to pay only the interest for a specified amount of time. 

    + Read more +
    +
    +
    +
    + Interest rate + +
    +
    +

    An interest rate on a mortgage loan is the cost you will pay each year to borrow the money, expressed as a percentage rate. It does not reflect fees or any other charges you may have to pay for the loan. For example, if the mortgage loan is for $100,000 at an interest rate of 4 percent, that consumer has agreed to pay $4,000 each year he or she borrows or owes that full amount.

    Explore interest rates in your area.

    +
    +
    +
    +
    + Interest rate cap + +
    +
    +

    An interest rate cap, sometimes referred to as an annual cap, is the maximum interest rate increase that can occur annually for an adjustable rate mortgage (ARM) even if the rate would have increased more under market interest rates. For example, if this cap is two percent, the new rate can’t be more than two percentage points higher than the previous rate.

    Understand how lenders use the index and margin to adjust your interest rate. 

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    +
    +
    +
    + Jumbo loan + +
    +
    +

    Each year Fannie Mae, Freddie Mac, and their regulator, the Federal Housing Finance Agency (FHFA), set a maximum amount for loans that they will buy from lenders. 

    + Read more +
    +
    +
    +
    + Lenders title insurance + +
    +
    +

    Lender’s title insurance protects your lender against problems with the title to your property-such as someone with a legal claim against the home. Lender’s title insurance only protects the lender against problems with the title. To protect yourself, you may want to purchase owner’s title insurance.

    + Read more +
    +
    +
    +
    + Lifetime adjustment cap + +
    +
    +

    A lifetime adjustment cap is typically used with adjustable rate mortgages (ARMs). This cap determines how much the interest rate can increase in total, over the life of the loan. For example, if this cap is five percent, that means the rate can never be five percentage points higher than the initial rate. Some lenders may have a different or higher cap.

    Understand how the index factors into adjustable-rate mortgage loans.

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    +
    +
    +
    + Loan assumption + +
    +
    +

    Loan assumption happens when a buyer takes over the mortgage from a seller when they purchase the seller’s home. The buyer takes over the remaining balance owed on the seller’s mortgage, on the original loan terms—for example, the interest rate and the remaining length of the mortgage. A loan assumption might make financial sense when new mortgages are being offered at higher interest rates than when the seller originally took out their mortgage.

    The difference between the home’s sale price and the balance on the assumed loan equals the amount the buyer needs to pay, either out of pocket or by taking out their own mortgage loan.

    To take over the mortgage, the homebuyer needs to qualify for the loan assumption. Qualifying is usually based on a review of the buyer’s credit and income, similar to qualifying for a new mortgage.

    Loan assumption could also apply when you receive the title to a property that has a mortgage – for example, after a death or divorce.

    +
    +
    +
    +
    + Loan deferment + +
    +
    +

    Borrowers who are struggling to make payments on a mortgage generally have the right to ask the mortgage servicer for help. The servicer can agree to a loan deferment, which allows the borrower to avoid foreclosure by postponing their overdue mortgage payments. The deferred amount comes due when the borrower refinances the loan or sells the home, or the mortgage ends in another way.

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    +
    +
    +
    + Loan estimate + +
    +
    +

    A Loan Estimate is a three-page form that you receive after applying for a mortgage. 

    + Read more +
    +
    +
    +
    + Loan modification + +
    +
    +

    A mortgage loan modification is a change in your loan terms. The modification is a type of loss mitigation. A modification can reduce your monthly payment to an amount you can afford. Modifications may involve extending the number of years you have to repay the loan, reducing your interest rate, and/or forbearing or reducing your principal balance. If you are offered a loan modification, be sure you know how it will change your monthly payments and the total amount that you will owe in the short-term and the long-term.

    Learn more about mortgage loan modification

    If you are impacted by the coronavirus

    Get more information about mortgage relief options.

    +
    +
    +
    +
    + Loan-to-value ratio + +
    +
    +

    The loan-to-value (LTV) ratio is a measure comparing the amount of your mortgage with the appraised value of the property. The higher your down payment, the lower your LTV ratio. Mortgage lenders may use the LTV in deciding whether to lend to you and to determine if they will require private mortgage insurance.  

    Learn how your loan-to-value ratio relates to your costs.

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    +
    +
    +
    + Loss mitigation + +
    +
    +

    Loss mitigation refers to the steps mortgage servicers take to work with a mortgage borrower to avoid foreclosure. Loss mitigation refers to a servicer’s responsibility to reduce or “mitigate” the loss to the investor that can come from a foreclosure. Certain loss-mitigation options may help you stay in your home. Other options may help you leave your home without going through foreclosure. Loss mitigation options may include deed-in-lieu of foreclosure, forbearance, repayment plan, short sale, or a loan modification. 

    If you are having trouble making your mortgage payments, or if you have been offered and are considering various loss mitigation options, reach out to a Department of Housing and Urban Development (HUD)-approved housing counseling agency.  

    You can use the CFPB's "Find a Counselor" tool to get a list of housing counseling agencies in your area that are approved by HUD. You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).

    If you are impacted by the coronavirus

    Get more information about mortgage relief options.

    +
    +
    +
    +
    + Margin + +
    +
    +

    The margin is the number of percentage points added to the index by the mortgage lender to set your interest rate on an adjustable-rate mortgage (ARM) after the initial rate period ends. The margin is set in your loan agreement and won't change after closing. The margin amount depends on the particular lender and loan. 

    Understand how the margin factors into an adjustable-rate mortgage loan.

    +
    +
    +
    +
    + Monthly expenses + +
    +
    +

    This is how much you spend every month. It can include, but is not limited to, recurring obligations like rent or mortgage payment, utilities, car payments, child support payments, and insurance payments, as well as essentials like food. Most of these obligations will have a fixed due date.

    Assess your monthly spending with this spending tracker.

    +
    +
    +
    +
    + Mortgage + +
    +
    +

    A mortgage is an agreement between you and a lender that allows you to borrow money to purchase or refinance a home and gives the lender the right to take your property if you fail to repay the money you've borrowed.

    If you are ready to take out a mortgage, learn more about buying a house.

    +
    +
    +
    +
    + Mortgage closing checklist + +
    +
    +

    A mortgage closing checklist is a list of steps that you can use to prepare and learn what to expect.  It can help you identify key questions to ask ahead of time so that you can close with confidence.

    Use this worksheet to prepare for closing.

    +
    +
    +
    +
    + Mortgage closing costs + +
    +
    +

    Mortgage closing costs are all of the costs you will pay at closing. This includes origination charges, appraisal fees, credit report costs, title insurance fees, and any other fees required by your lender or paid as part of a real estate mortgage transaction. Lenders are required to provide a summary of these costs to you in the Loan Estimate.

    Learn more about what happens at closing.

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    +
    +
    +
    + Mortgage insurance + +
    +
    +

    Mortgage insurance protects the lender if you fall behind on your payments. Mortgage insurance is typically required if your down payment is less than 20 percent of the property value. Mortgage insurance also is typically required on FHA and USDA loans. However, if you have a conventional loan and your down payment is less than 20 percent, you will most likely have private mortgage insurance (PMI). 

    Understand how mortgage insurance works

    +
    +
    +
    +
    + Mortgage loan modification + +
    +
    +

    A mortgage loan modification is a change in your loan terms. The modification is a type of loss mitigation. 

    + Read more +
    +
    +
    +
    + Mortgage refinance + +
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    Mortgage refinance is when you take out a new loan to pay off and replace your old loan. Common reasons to refinance are to lower the monthly interest rate, lower the mortgage payment, or to borrow additional money. When you refinance, you usually have to pay closing costs and fees. If you refinance and get a lower monthly payment, make sure you understand how much of the reduction is from a lower interest rate and how much is because your loan term is longer.

    Should I refinance?

    A Consumer’s Guide to Mortgage Refinancings

    Your Home Loan Toolkit

    Consumer Handbook on Adjustable-Rate Mortgages

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    The term of your mortgage loan is how long you have to repay the loan. For most types of homes, mortgage terms are typically 15, 20 or 30 years. 

    Explore loan term options.

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    An origination fee is what the lender charges the borrower for making the mortgage loan.  The origination fee may include processing the application, underwriting and funding the loan, and other administrative services. Origination fees generally can only increase under certain circumstances. 

    Learn more about the costs of mortgage origination.

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    Owner’s title insurance provides protection to the homeowner if someone sues and says they have a claim against the home from before the homeowner purchased it. 

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    + Pace financing + +
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    PACE financing provides a way to fund energy efficiency home improvements. 

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    A partial claim is a way to use mortgage insurance to help a struggling homeowner avoid foreclosure. The mortgage servicer makes a claim against the mortgage insurance for the amount of any missed mortgage payments, and the insurer sets aside the money in a separate account. Then, when the borrower refinances the mortgage, sells the home, or otherwise terminates the mortgage, the partial claim amount is paid out to the mortgage servicer. Sometimes, the partial claim amount does not cover the full amount of the missed payments, and in those cases the borrower must pay the difference.

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    Your payoff amount is how much you will actually have to pay to satisfy the terms of your mortgage loan and completely pay off your debt. Your payoff amount is different from your current balance. Your current balance might not reflect how much you actually have to pay to completely satisfy the loan. Your payoff amount also includes the payment of any interest you owe through the day you intend to pay off your loan. The payoff amount may also include other fees you have incurred and have not yet paid. 

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    Active duty servicemembers may be given permanent change of station (PCS) orders. PCS orders are an official relocation of a servicemember (and any family living with them) to a different duty location.  If the servicemember owns a home, they may choose to sell it. If the servicemember owes more on the home than the home is worth, they may have trouble selling their home. Some servicers offer programs to allow servicemembers to sell their home and not have to pay back the rest of the loan balance. Visit servicemember resources for more information.

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    Principal, Interest, Taxes, and Insurance, known as PITI, are the four basic elements of a monthly mortgage payment. 

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    Private Mortgage Insurance (PMI) is a type of mortgage insurance that benefits your lender.  You might be required to pay for PMI if your down payment is less than 20 percent of the property value and you have a conventional loan. You may be able to cancel PMI once you’ve accumulated a certain amount of equity in your home.

    Understand more about when PMI is required

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    Prepaid interest charges are charges due at closing for any daily interest that accrues on your loan between the date you close on your mortgage loan and the period covered by your first monthly mortgage payment. 

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    A prepayment penalty is a fee that some lenders charge if you pay off all or part of your mortgage early. If you have a prepayment penalty, you would have agreed to this when you closed on your home. Not all mortgages have a prepayment penalty.

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    The principal is the amount of a mortgage loan that you have to pay back. Your monthly payment includes a portion of that principal. When a payment on the principal is made, the borrower owes less, and will pay less interest based upon a lower loan size.

    Understand the difference between the interest rate and principal.

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    Property taxes are taxes charged by local jurisdictions, typically at the county level, based upon the value of the property being taxed. Often, property taxes are collected within the homeowner’s monthly mortgage payment, and then paid to the relevant jurisdiction one or more times each year. This is called an escrow account. If the loan does not have an escrow account, then the homeowner will pay the property taxes directly.

    Learn more about the homebuying process.

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    + Qualified mortgage + +
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    + A Qualified Mortgage is a category of loans that have certain, more stable features that help make it more likely that you’ll be able to afford your loan. + Read more +
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    A Qualified Written Request, or QWR, is written correspondence that you or someone acting on your behalf can send to your mortgage servicer. Instead of a QWR, you can also send your servicer a Notice of Error or a Request for Information.

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    + Repayment plan + +
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    A repayment plan is a structured way to make up your missed mortgage loan payments over a certain period of time. This is a type of loss mitigation. If you have trouble making your mortgage payments, your lender or servicer may allow you to enter into a repayment plan. Before entering into a repayment plan, make sure you understand the requirements of the plan and whether you will be able to make the new payments.

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    A reverse mortgage allows homeowners age 62 or older to borrow against their home equity. It is called a “reverse” mortgage because, instead of making payments to the lender, you receive money from the lender. The money you receive, and the interest charged on the loan, increases the balance of your loan each month. Most reverse mortgages today are called HECMs, short for Home Equity Conversion Mortgage.

    Find out what you should consider before applying for a reverse mortgage.

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    The right of rescission refers to the right of a consumer to cancel certain types of loans. If you are buying a home with a mortgage, you do not have a right to cancel the loan once the closing documents are signed. However, if you are refinancing a mortgage, you have until midnight of the third business day after the transaction to rescind (cancel) the mortgage contract. The three-day clock does not start until you sign the credit contract (usually called the promissory note), you receive a Truth in Lending disclosure form, and you receive two copies of a notice explaining your right to rescind.   

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    A second mortgage or junior lien is a loan you take out using your house as collateral while you still have another loan secured by your house.

    Learn more about second mortgages.

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    The security interest is what lets the lender foreclose if you don't pay back the money you borrowed.

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    + Seller financing + +
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    Seller financing is a loan that the seller of your home makes to you. 

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    Your mortgage servicer is the company that sends you your mortgage statements. Your servicer also handles the day-to-day tasks of managing your loan.

    Your loan servicer typically processes your loan payments, responds to borrower inquiries, keeps track of principal and interest paid, and manages your escrow account (if you have one). The loan servicer may initiate foreclosure under certain circumstances. Your servicer may or may not be the same company that originally gave you your loan.

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    Under a shared appreciation mortgage, you agree to give your lender a share of any increase in the value of your home. 

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    + Short sale + +
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    A short sale is a sale of your home for less than what you owe on your mortgage. A short sale is an alternative to foreclosure, but because it is a sale, you will have to leave your home. If your lender or servicer agrees to a short sale, you may be able to sell your home to pay off your mortgage, even if the sale price or proceeds turn out to be less than the balance remaining on your mortgage. A short sale is a type of loss mitigation. If you live in a state in which you are responsible for any deficiency, which is the difference between the value of your property and the amount you still owe on your mortgage loan, you will want to ask your lender to waive the deficiency. If the lender waives the deficiency, get the waiver in writing and keep it for your records.

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    + Subprime mortgage + +
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    When lenders use the term, they generally mean a loan program for borrowers who do not qualify for a prime loan, often with a higher interest rate.

    Learn more about the homebuying process.

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    A survey is a drawing of your property showing the location of the lot, the house and any other structures, as well as any improvements on the property.

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    + Title service fees + +
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    Title service fees are part of the closing costs you pay when getting a mortgage. When you purchase a home, you receive a document most often called a deed, which shows the seller transferred their legal ownership, or “title,” to the home to you. Title service fees are costs associated with issuing a title insurance policy for the lender.  

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    + Total interest percentage (TIP) + +
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    The Total Interest Percentage (TIP) is a disclosure that tells you how much interest you will pay over the life of your mortgage loan.

    + Read more +
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    + Total of payments + +
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    This number tells you the total amount of money you will have paid over the life of your mortgage.

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    + TRID + +
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    "TRID" is an acronym that some people use to refer to the TILA RESPA Integrated Disclosure rule.

    + Read more +
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    + USDA Loan + +
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    The Rural Housing Service, part of the U.S. Department of Agriculture (USDA) offers mortgage programs with no down payment and generally favorable interest rates to rural homebuyers who meet the USDA’s income eligibility requirements.

    Learn more about this and other special loan programs.

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    + VA loan + +
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    A VA loan is a loan program offered by the Department of Veterans Affairs (VA) to help servicemembers, veterans, and eligible surviving spouses buy homes.  The VA does not make the loans but sets the rules for who may qualify and the mortgage terms. The VA guarantees a portion of the loan to reduce the risk of loss to the lender. The loans generally are only available for a primary residence.

    If you’re a veteran, find out if a VA loan is the right fit for you.

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    Showing 41 results within know your rights

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    Planning for retirement

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    Balancing debt, retirement income, and assets becomes even more important to your financial security as you age. We can help you prepare for the future.

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    Before you claim

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    The age you claim Social Security affects the amount of monthly benefits you’ll receive. We’ll help you think through this decision.

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    + Retirement +
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    Your retirement income

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    Deciding when to take social security and how to use your pension are some of the most important decisions you can make in retirement. 

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    Protect your retirement pension

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    If you are considering a pension advance, follow these dos and don’ts.

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    When will you claim Social Security?

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    The amount of your monthly Social Security retirement benefit depends on the age at which you claim.

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    Considering a lump sum pension payout? Consider these tips.

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    While a lump sum payout can give you the flexibility of choosing whether to invest or save your money, there are risks, too.

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    Pension advance traps to avoid

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    Pension advances may seem like a quick fix to your financial problems, but they could be a scam.

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    Your home and retirement

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    Your home and the equity you have accrued can provide a safety net for your retirement years. 

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    What is a home equity loan?

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    Learn how home equity loans work, and whether it’s a good idea to borrow against the savings you’ve built up in your home.

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    Considering a reverse mortgage?

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    If you are thinking about borrowing a reverse mortgage loan, be sure to carefully consider all your options.

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    Don’t be misled by reverse mortgage advertising

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    Don’t be fooled by reverse mortgage advertising that doesn’t mention the risks.

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    Steps you should take if you have a reverse mortgage

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    Reverse mortgages can affect others in your home.

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    Planning for the future

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    Because you are likely to spend 20 or more years in retirement, you may need help making financial decisions as you age.

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    Need help managing your money or someone else’s?

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    If you need help managing your finances or you’re helping someone else, this guide will clarify your role and responsibilities.

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    Plan for financial decisions as you age

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    As we age, sometimes we lose confidence in our ability to manage our own money and property.

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    Know your financial adviser

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    Choosing a financial adviser can be challenging, especially since your needs are likely to change with age. 

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    Is aging in place right for you?

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    Although the promise of staying put is attractive, it might not be the best option for you.

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    Managing your debt

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    More older consumers are carrying debt into retirement. Learn how to prevent debt from jeopardizing your financial security. 

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    Three tips to keeping your retirement plan on track

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    Many seniors are paying a mortgage well into retirement. If you’re one of them, make sure it doesn’t throw a wrench into your retirement plans.

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    Four tips for older student loan borrowers

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    Struggling to make monthly federal student loan payments, or wondering about your responsibilities as a loan co-signer? 

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    Seven ways to keep medical debt in check

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    From negotiating your bills to keeping proper documentation, there are many things you can do to manage medical debt. 

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    إرسال النقود إلى دولة أخرى:

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    هل قمت من قبل بإرسال نقود إلى عائلتك أو أصدقائك أو آخرين في دولةٍ أخرى؟ هل تخطط لإرسال نقود إلى الخارج؟

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    نحن مكتب الحماية المالية للمستهلك (CFPB)، وهو مكتب يمثل جهة حكومية فيدرالية جديدة لحماية المستهلكين وضمان استفادة الجميع من المنتجات والخدمات المالية في الولايات المتحدة، بما في ذلك عند إرسال نقود إلى دولة أخرى. لذا، نريد أن نحيطك علمًا بالمعلومات التي تحتاج إليها لاتخاذ أفضل قرار مالي لك ولعائلتك.

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    +إذا ظننت أنك تواجه مشكلة، فاتصل بنا على الرقم التالي: (855) 411-2372 واضغط على 8. +
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    حقوقك

    عندما تقوم بإرسال نقود إلى دولة أخرى، تتمتع في معظم الحالات بحقوق فيدرالية جديدة تحميك، بما في ذلك حقك فيما يلي:

    • تسليم النقود إلى الشخص المعني أو الشركة المعنية بدون خطأ.
    • الحصول على المعلومات الآتية قبل الدفع  و بعد تحويل المبلغ :
      • سعر الصرف (إن وُجِد)
      • الرسوم المطبقة
      • الضرائب
      • المبلغ المقرر تسليمه
    • إلغاء التحويل بدون تكلفة ، عادةً في غضون 30 دقيقة بعد إرسال النقود،.
    • إبلاغ الشركة (المحول) بوجود مشكلة في غضون 180 يومًا و بدء التحقيق فيها. ويتعين على الشركة النظر في المشكلة في غضون 90 يومًا وإعلامك بالنتائج التي توصلت إليها.
      • في بعض الحالات، يجوز لك استرداد نقودك أو إعادة إرسال المبلغ مجددًا.
    • الاتصال بمكتب CFPB إذا واجهت مشكلة عند إرسال النقود.
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    االمسائل  الشائعة التي يتم إبلاغ مكتب CFPB بها

    • لم تمدك الشركة، قبل إرسالك للنقود أو بعد ذلك، بأي معلومات عما يلي:
      • سعر الصرف (إن وُجد)
      • الرسوم المطبقة
      • إجمالي المبلغ المتوقع تسليمه
    • إحدى أو كل المعلومات المذكورة اعلاه (سعر الصرف أو الرسوم أو إجمالي المبلغ المقرر تسليمه)المُدرجة على الوصل غير صحيحًة.
    • لم يتمكن المرسل إليه من الحصول على النقود في التاريخ المحدد.
    • تمت محاسبتك خطأ وطلب منك دفع مبلغ  بقيمة خاطئة.
    • استلم المرسل إليه  المبلغ بقيمة خاطئة.
    • يراودك شعور بأن الشركة أو الشخص الذي أرسلت إليه النقود قد احتال عليك.
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    إذا كنت تعتقد أنك واجهت إحدى المشكلات المبيّنة أعلاه أو أنه قد تم انتهاك حقوقك الفيدرالية الجديدة، فاتصل بالشركة على الفور. في بعض الحالات، قد تسترد أموالك أو تتم إعادة إرسالها مجددا بدون أية تكلفة إضافية. وبعد ذلك، اتصل بنا على الرقم (855) 411-2372 ، ثم اضغط على 8 لـ العربية، وسنتابع المشكلة مع الشركة.

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    قبل وبعد

    فيما يلي أمثلة على المعلومات التي يتعين على معظم الشركات تزويدك بها قبل إرسال النقود وبعد ذلك.

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    قبل الدفع

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    قبل إرسال النقود، سترى ما يلي:

    • المبلغ الذي يجب عليك دفعه
    • سعر الصرف (إن وُجد)
    • إجمالي المبلغ المتوقع تسليمه للمرسل إليه
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    بعد الدفع

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    بعد إرسال النقود، سترى ما يلي:

    • وقت توفر النقود
    • ما يجب القيام به في حالة حدوث خطأ
    • كيفية تقديم شكوى
    • سعر الصرف (إن وُجد)
    • إجمالي المبلغ المتوقع تسليمه للمرسل إليه
    • تعليمات بشأن حقك في إلغاء التحويل بدون تكلفة في غضون 30 دقيقة بعد إرساله بشرط ان يكون ذالك فبل أستلامه من المرسل إليه
    • كيفية تقديم شكوى، بما في ذلك معلومات حول كيفية الاتصال بمكتب CFPB، وبالجهة التنظيمية للولاية في بعض الحالات.
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    مقارنة التكلفة

    نرغب في أن يتوفر لديك كل المعلومات التي تحتاجها لتحديد اي الشركات أفضل بالنسبة لك.

    قبل إرسال النقود، يتعين على الشركات أن تمدك بمعلومات حول سعر الصرف (إن وُجد) والضرائب التي سيحصّلها موفّر الخدمة وقيمة رسوم محددة سيتم فرضها عليك والمبلغ الذي سيحصل عليه المستلم. وفي هذه المرحلة، يمكنك اختيار عدم إرسال النقود كما يمكنك استخدام تلك المعلومات التي حصلت عليها للمقارنة بين المبالغ التي حصلت عليها من شركات مختلفة، وسيساعدك ذلك على التأكد من اختيار الشركة المناسبة لك ولأسرتك.

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    + +إذا ظننت أنك تواجه مشكلة، فاتصل بنا على الرقم التالي: (855) 411-2372 واضغط على 8. + +
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    Voye Lajan nan Yon Lòt Peyi

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    Èske w te voye lajan bay fanmi, zanmi, oswa lòt moun k ap viv nan yon lòt peyi? Èske w ap planifye voye lajan aletranje?

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    Nou se CSFB, yon ajans gouvènman federal nouvo, k ap pwoteje konsomatè epi k ap asire ke pwodwi finansye ak sèvis yo mache byen pou tout moun nan Etazini– ki gen ladann lè w ap voye lajan nan lòt peyi. Nou vle w gen enfòmasyon  ke w bezwen pou pran pi bon desizyon  pou tèt pa w ak fanmi w.

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    DWA W YO

    Lè w ap voye lajan nan  yon lòt peyi, nan pifò ka yo genyen lòt dwa federal  pou pwoteje w, ki gen ladann yo dwa pa w:

    • Pou gen lajan an livre bay pèsòn deziye a oswa nan adrès biznis kòrèk la.
    • Anvan ou peye, ak apre transfè a fin fèt, w ap jwenn enfòmasyon sou:
      • to echanj la (si gen nenpòt)
      • kèk frè
      • taks
      • kantite lajan ki pral resevwa
    • Anile yon transfè, anjeneral nan lespas 30 minit apre w fin voye l, gratis ticheri.
    • Rapòte yon pwoblèm bay konpayi a nan lespas 180 jou ak fè ankèt sou li. Fòk konpayi a fè ankèt sou pwoblèm lan nan lespas 90 jou ak rapòte rezilta a ba w.
      • Nan sèten ka, ou gen dwa resevwa yon ranbousman oswa transfè a gen dwa fèt ankò.
    • Kontakte CFPB a si w gen pwoblèm lè w ap voye lajan.

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    Pwoblèm ke yo rapòte souvan bay CFPB

    • Anvan, oswa apre w fin voye lajan, konpayi a pa t ba w:
      • To echanj la (si gen nenpòt)
      • Kèk frè
      • Kantite lajan y ap atann pou livre
    • To echanj la, frè, oswa total kantite lajan yo bay moun k ap resevwa li a pa t endike kòrèkteman sou resi a.
    • Moun k ap resevwa lajan an pa t ka gen aksè ak li nan dat li te dwe resewa l la.
    • Yo te chaje w yon kantite lajan enkòrèk.
    • Moun nan te resevwa yon kantite lajan enkòrèk.
    • Ou kwè ke konpayi an oswa moun nan kote w te voye lajan an te komèt fwod oswa fè mètdam.

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    Si w panse ke te fè eksperyans avèk yon pwoblèm ki dekri isit la oswa ke nouvo dwa federal ou te vyole, kontakte konpayi a imedyatman. Nan sèten ka, ou gen kapab resevwa yon ranbousman oswa voye transfè a  ankò  gratis ticheri.  Apre sa, rele nou nan (855) 411-2372 epi peze 9 pou Kreyòl Ayisyenepi nou pral kontakte konpayi a.

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    ANVAN AK APRE

    Sa yo ap sèvi kòm kèk egzanp sou enfòmasyon ke yo oblije  pifò konpayi yo ba w anvan ak apre yo voye lajan.

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    Anvan w peye

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    Anvan ou voye lajan, ou pral wè:

    • Depans dirèk ou.
    • To echanj la, (si gen nenpòt).
    • Kantite Lajan Total Moun nan Resevwa  (sa vle di, kantite lajan ke y ap  atann ki pou livre).
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    Apre w fin peye

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    Apre w fin voye lajan an, ou pral wè:

    • Kilè lajan an pral disponib
    • Kisa pou fè si ta gen yon erè
    • Kijan pou prezante yon plent.
    • To echanj la, (si gen nenpòt).
    • Kantite Lajan Total Moun nan Resevwa (sa vle di, kantite lajan ke y ap atann ki pou livre).
    • Direksyon sou dwa w pou anile transfè.
    • Kijan pou prezante yon plent, ki gen ladann enfòmasyon pou kontakte CFPB a ak, nan kèk ka, yon regilatè leta.
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    KONPARE PRI

    Nou vle w gen tout enfòmasyon ke w bezwen pou w fè desizyon sou konpayi ki pi bon pou w.

    Anvan w voye lajan, fòk konpayi yo ba w enfòmasyon sou to echanj la (si gen nenpòt), taks founisè a kolekte, kèk frè, ak kantite lajan ke moun  ki pral resevwa lajan an pral jwenn nan men yo. Kounye a, ou gen dwa chwazi pou pa voye transfè. Ou gen dwa sèvi avèk enfòmasyon sa a pou konpare kantite lajan ke w resevwa nan men plizyè lòt konpayi jan w vle.  Enfòmasyon sa yo pral ede asire ke w chwazi konpayi a k ap sèvi w ak fanmi w byen.

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    Sending money to another country

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    Are you planning to send money abroad? Learn what you can expect and what rights you have.

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    The Consumer Financial Protection Bureau protects consumers in the financial marketplace, including when you send money to another country. We want you to have the information you need to make the best financial decisions for you and your family.

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    Your rights

    If you’re sending money to another country, you generally have federal protections. This includes your right to:

    • Have the money delivered to the correct person or business.
    • Receive the following information about your transaction both before you pay and after the transfer is sent:
      • Exchange rate, if applicable
      • Amount to be transferred
      • Certain fees
      • Taxes collected by the company
      • Amount to be received (In some cases, a recipient may receive less due to fees charged by the recipient bank and foreign taxes)
    • Cancel a transfer — generally within 30 minutes after it is sent — at no cost, unless the transfer has been picked up or deposited into the recipient’s account.
    • Report a problem to the company within 180 days and have it investigated. The company has to look into the problem within 90 days of when you notified them of the problem and report the results to you, and in some cases, you may get a refund or have the transfer sent again.
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    Common issues reported to CFPB

    If you think you had an issue described here or that your federal rights were violated, contact the company immediately. In some cases, you could receive a refund or have the transfer resent at no extra cost.

    If you've already tried reaching out to the company and still have an issue, you can submit a complaint. Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.

    Start a complaint 

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    Information you receive before and after you pay

    These are examples of the information that most providers are required to give to you before and after you send money.

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    Before you pay

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    Before sending money, you will see:

    • The total cost for the transfer
    • The exchange rate, if applicable
    • Total amount expected to be delivered to recipient
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    After you pay

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    After sending money, you will see:

    • Your out-of-pocket amount
    • Exchange rate, if applicable
    • Total amount expected to be delivered to recipient
    • When the money will be available
    • What to do in case of an error
    • Instructions on exercising your right to cancel transfers
    • How to submit a question or complaint about the company, including information on how to contact the CFPB and the state agency that regulates the company
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    Compare cost

    We want you to have all the information you need to decide which company is best for you.

    Before sending money, companies have to give you information about the exchange rate (if applicable), taxes collected by the provider, certain fees, and the amount that the recipient will receive. At this point, you can choose not to send the transfer or to shop around and compare costs with other providers.

    More information

    For more information about sending money, check out our other resources on money transfers.

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    + + 메인 컨텐츠로 이동 + +
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    + An official website of the + United States government +
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    해외 송금

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    다른 나라에 있는 가족, 친구 또는 다른 사람에게 송금하신 적이 있습니까? 해외로 송금하실 계획이 있으십니까?

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    저희 소비자금융보호국(CFPB)은, 소비자를 보호하는 한편, 미국의 모든 사람들이 해외 송금 등 금융 상품과 금융 서비스를 잘 사용할 수 있도록 지원하는 신설 연방 정부기관입니다. 우리는 귀하가 자신과 가족을 위해 가장 올바른 금전적 결정을 내리는 데 필요한 정보를 제공합니다.

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    문제가 있다고 생각되시면 연락 주십시오 (855) 411-2372 그리고 다음 숫자를 누르세요 5.
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    소비자의 권리

    다른 나라에 송금하실 때, 대부분의 경우에 아래에 대한 권리를 포함하여 새로운 연방정부 차원에서의 권리가 귀하를 보호합니다.

    • 금전이 올바른 사람이나 사업체에 전달되도록 할 권리
    • 송금하기 전에 그리고 송금 후에 아래의 정보를 받을 권리
      • 환율 (해당될 경우)
      • 수수료
      • 세금
      • 수령하게 될 금액
    • 일반적으로 송금한 지 30분 이내에 추가 비용 없이 송금을 취소할 수 있는 권리
    • 180일 내에 회사에 문제를 신고하고 그것을 조사하도록 요청할 권리. 회사는 90일 내에 그 문제를 조사하고 귀하에게 그 결과를 알려야 합니다.
      • 경우에 따라서는 환불을 받거나 송금을 다시 할 수 있습니다.
    • 송금 시 문제가 발생할 경우 CFPB에 연락할 권리
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    CFPB에 신고되는 일반적인 문제

    • 송금을 전후하여 해당 회사가 소비자에게 아래의 정보를 주지 않는 경우:
      • 환율 (해당될 경우)
      • 수수료
      • 전달될 것으로 예상되는 총액
    • 환율, 수수료, 영수증에 기재된 수취인에게 갈 총액이 부정확한 경우.
    • 수취인이 약속된 날짜에 돈을 찾을 수 없는 경우.
    • 맞지 않는 돈을 수수료로 낸 경우.
    • 수취인이 맞지 않는 금액을 받은 경우.
    • 소비자가 송금을 위탁한 회사나 사람이 사기나 속임수를 저지른 것으로 믿어지는 경우.
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    여기에서 언급한 문제가 발생하였거나 귀하의 새로운 연방 권리가 침해되었다고 생각되는 경우에는 즉시 해당 회사에 연락하십시오. 경우에 따라서는 환불을 받거나 추가 비용 없이 송금을 다시 할 수 있습니다.  그 다음으로, (855) 411-2372로 연락하셔서 5 를 눌러 한국어 를 선택하시면 저희가 그 회사에 확인 연락을 취합니다.

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    발생 전후

    이것은 대부분의 회사에서 귀하가 송금하시기 전과 후에 귀하에게 제공해야 하는 정보의 예입니다.

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    지불 전

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    송금하기 전에 아래의 정보를 알아야 합니다:

    • 즉시 지불하는 금액
    • 환율 (해당될 경우)
    • 수령인에게 가는 총액 (즉, 예상 송금액)
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    지불 후

    송금한 후에 아래의 정보를 알아야 합니다:

    • 돈을 찾을 수 있는 날짜
    • 오류 발생 시에 필요한 사항
    • 민원 제기 방법
    • 환율 (해당될 경우)
    • 수취인에게 가는 총액 (즉, 예상 송금액)
    • 송금을 취소할 수 있는 소비자의 권리에 대한 설명
    • CFPB 및 경우에 따라 주의 규제기관에 연락할 수 있는 정보를 포함하여 민원을 제기할 수 있는 방법
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    비용 비교

    저희는, 소비자가 소비자에게 가장 잘 맞는 회사를 선택하기 위해 필요한 모든 정보를 제공받아야 한다고 믿습니다.

    해당 회사는 소비자가 송금하기 전에 환율(해당되는 경우), 제공자가 징수하는 세금, 수수료, 수취인이 받을 금액에 대한 정보를 소비자에게 제공해야 합니다. 정보를 제공받은 이후, 소비자는 송금을 하지 않기로 선택할 수 있습니다. 소비자는 제공된 정보를 이용해 원하시는 만큼 다른 회사를 이용했을 때의 해당금액과 비교할 수 있습니다. 이를 통해 소비자는 자신과 가족에게 가장 잘 맞는 회사를 선택할 수 있습니다.

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    + +문제가 있다고 생각되시면 연락 주십시오 (855) 411-2372 그리고 다음 숫자를 누르세요 5. + +
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    Денежные переводы в другие страны

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    Вы послали деньги родным, друзьям или другим людям, живущим за границей? Вы планируете послать денежный перевод в другую страну?

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    Мы – Бюро по финансовой защите потребителей (CFPB), новое федеральное агентство, которое защищает интересы потребителей и обеспечивает, чтобы каждый человек мог без проблем использовать финансовые продукты и услуги, включая перевод денег в другую страну. Мы хотим, чтобы у вас была вся необходимая информация, позволяющая вам принимать наилучшие финансовые решения для себя и вашей семьи.

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    + +Если вам кажется, что у вас возникла проблема, позвоните по телефону: (855) 411-2372 и нажмите 7. + +
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    ВАШИ ПРАВА

    Когда вы посылаете деньги в другую страну, в большинстве случаев вы имеете новые федеральные права, включая право:

    • На то, чтобы деньги были доставлены указанному вами человеку или компании.
    • Получить следующую информацию до оплаты и после отправки перевода:
      • валютный курс (если он применяется)
      • размеры определенных взносов
      • налоги
      • сумму, которая будет получена
    • Бесплатно отменить перевод, как правило, в течение 30 минут после отправки.
    • Сообщить о проблеме в компании в течение 180 дней, которая обязана провести расследование. Компания обязана разобраться с проблемой в течение 90 дней и сообщить вам о результате.
      • В некоторых случаях вы можете получить возврат денег, или перевод может быть отправлен повторно.
    • Если у вас возникла проблема с отправкой денег, обратитесь в CFPB.

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    Распространенные проблемы, о которых следует сообщать в CFPB

    • До или после отправки денежного перевода компания не сообщила вам:
      • валютный курс (если он применяется)
      • размеры определенных взносов
      • общую сумму, которая, как ожидается, будет получена
    • Валютный курс, взносы или общая сумма неправильно указаны в квитанции.
    • Получатель не мог получить деньги в обещанный срок.
    • С вас взяли неверную сумму.
    • Получателю выдали неверную сумму.
    • Вы считаете, что компания или человек, которым вы отправили деньги, занимается мошенничеством или махинацией.

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    Если вы считаете, что у вас возникла одна из вышеописанных проблем, или что были нарушены ваши новые федеральные права, немедленно обратитесь в компанию. В некоторых случаях вам могут вернуть деньги или бесплатно отправить перевод повторно. Затем вам следует позвонить нам по телефону (855) 411-2372 и нажать 7, чтобы выбрать русским, и мы свяжемся с компанией.

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    ДО И ПОСЛЕ

    Ниже приводятся примеры сведений, которые большинство компаний обязаны дать вам до и после отправки денежного перевода.

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    До оплаты

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    До отправки денег вы должны знать:

    • Сумму, которую вы должны будете заплатить.
    • Валютный курс, если он применяется.
    • Общую сумму, которая будет выдана получателю (т.е. сумму, которая, как ожидается, будет получена).
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    После оплаты

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    После отправки денег вы должны знать:

    • Когда деньги могут быть получены
    • Что нужно делать в случае ошибки
    • Как подать жалобу
    • Валютный курс, если он применим.
    • Общую сумму, которая будет выдана получателю (т.е. сумму, которая, как ожидается, будет получена).
    • Инструкции о вашем праве на отмену перевода
    • Как подать жалобу, включая информацию о том, как связаться с CFPB и, в некоторых случаях, регулятивным органом штата.
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    СРАВНЕНИЕ РАСЦЕНОК

    Мы хотим, чтобы у вас была вся необходимая информация для того, чтобы выбрать наиболее подходящую для вас компанию.

    До того как вы отправите денежный перевод, компании должны предоставить вам информацию о валютном курсе (если он применяется), налогах, взимаемых поставщиком услуг, определенных сборах и сумме, которая будет выдана получателю. На этом этапе вы можете принять решение не отправлять перевод. Вы можете использовать эту информацию для сравнения сумм, которые будут выданы, для любого количества компаний. Это поможет вам убедиться в том, что вы выбрали наилучшую компанию для себя и своей семьи.

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    + +Если вам кажется, что у вас возникла проблема, позвоните нам по телефону: (855) 411-2372 и нажмите 7. + +
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    Pagpapadala ng pera sa ibang bansa

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    Nagpadala ka ba ng pera sa pamilya, mga kaibigan, o sa iba pa sa ibang bansa? Nagpaplano ka bang magpadala ng pera sa ibang bansa?

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    Kami ang CFPB, isang bagong ahensiyang pederal na pamahalaan, na pumoprotekta sa mga mamimili at tinitiyak na gumagana ang mga produkto at serbisyo sa pananalapi sa lahat ng nasa U.S.–kasama ang kapag nagpapadala ka ng pera sa ibang bansa. Nais namin na magkaroon ka ng impormasyon na kailangan mo para gumawa ng pinakamagandang desisyon sa pananalapi para sa iyo at sa iyong pamilya.

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    ANG IYONG MGA KARAPATAN

    Kapag nagpapadala ka ng pera sa ibang bansa, sa karamihang mga kaso mayroon kang mga bagong pederal na karapatan para protektahan ka, kasama ang karapatan mong:

    • Ihatid ang pera sa tamang tao o negosyo.
    • Bago ka magbayad, at pagkatapos ng pagpapadala, makatanggap ng impormasyon tungkol sa:
      • halaga ng palitan ng pera (kung mayroon)
      • mga partikular na singil
      • mga buwis
      • matatanggap na halaga
    • Kanselahin ang pagpapadala, karaniwan sa loob ng 30 minuto pagkatapos itong ipinadala, nang walang babayaran.
    • Mag-ulat ng problema sa kumpanya sa loob ng 180 araw at ipasiyasat ito. Kailangan suriin ng kumpanya ang problema sa loob ng 90 araw at iulat sa iyo ang kinalabasan.
      • Sa ilang mga kaso, maaari kang makakuha ng refund o ipadala muli ang ipinadala.
    • Makipag-ugnayan sa CFPB kung mayroon kang problema sa pagpapadala ng pera.

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    Mga karaniwang problema na inuulat sa CFPB

    • Bago, o pagkatapos mong magpadala ng pera, hindi ka binigyan ng kumpanya ng:
      • Halaga ng palitan ng pera (kung mayroon)
      • Mga partikular na singil
      • Kabuuan ng inaasahang ihahatid
    • Mali ang halaga ng palitan ng pera, mga singil, o ang kabuuan para sa tatanggap na nakalista sa resibo.
    • Hindi makuha ng tatanggap ang pera sa ipinangakong petsa.
    • Mali ang sinigil na halaga sa iyo.
    • Mali ang natanggap na halaga ng tao.
    • Naniniwala ka na ang kumpanya o ang taong pinadalhan mo ng pera ay gumawa ng pandaraya o isang panloloko.

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    Kung sa palagay mo nagkaroon ka ng problemang inilarawan dito o na nilabag ang iyong mga bagong karapatang pederal, makipag-ugnayan kaagad sa kumpanya. Sa ilang mga kaso, maaari kang makatanggap ng refund o ipadala muli ang ipinadala nang walang dagdag na gastos.  Kasunod, tawagan kami sa (855) 411-2372 at pindutin ang 6 para sa Tagalogat ipa-follow up namin ito sa kumpanya.

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    BAGO AT PAGKATAPOS

    Narito ang mga halimbawa ng impormasyon na kailangan ibigay sa iyo ng karamihan sa mga kumpanya bago at pagkatapos mong magpadala ng pera.

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    Bago ka magbayad

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    Bago ka magpadala ng pera, makikita mo ang:

    • Halagang bayaran nyo.
    • Halagang palitan ng pera, kung mayroon.
    • Kabuuan para sa Tatanggap (iyon ay, ang inaasahang darating na halaga).
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    Pagkatapos mong magbayad

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    Pagkatapos mong magpadala ng pera, makikita mo:

    • Kung kailan makukuha ang pera.
    • Kung ano ang gagawin sakaling may mali
    • Kung paano magsusumite ng reklamo.
    • Ang halaga ng palitan ng pera, kung mayroon.
    • Ang kabuuan para sa tatanggap (iyon ay, ang inaasahang darating na halaga).
    • Mga tagubilin sa iyong karapatan na kanselahin ang mga pagpapadala.
    • Paano magsusumite ng reklamo, kasama ang impormasyon para makipag-ugnayan sa CFPB at, sa ilang mga kaso, sa isang tagapamahala sa estado.
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    IKUMPARA ANG HALAGA

    Nais naming nasa iyo ang lahat ng impormasyon na kailangan mo para magdesisyon kung aling kumpanya ang pinakamabuti para sa iyo.

    Bago magpadala ng pera, kailangan bigyan ka ng mga kumpanya ng impormasyon tungkol sa halaga ng palitan ng pera (kung mayroon), ang mga buwis na kinokolekta ng tagapagkaloob ng serbisyo, mga partikular na singil, at ang halagang matatanggap ng tatanggap. Sa sandaling iyon, maaari mong piliin na huwag magpadala. Maaari mong gamitin ang impormasyon para ikumpara ang halagang natanggap mula sa kasing raming kumpanya na gugustuhin mo. Makakatulong ito na matiyak na tamang kumpanya ang pipiliin mo para sa iyo at sa iyong pamilya.

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    + +Kung sa palagay mo mayroon kang problema, tawagan kami sa: (855) 411-2372 at pindutin ang 6. + +
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    + An official website of the + United States government +
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    Gửi tiền đến một quốc gia khác

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    Quý vị đã bao giờ gửi tiền cho gia đình, bạn bè, hoặc người thân ở một quốc gia khác chưa?  Quý vị có dự định gửi tiền ra nước ngoài không?

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    Chúng tôi là CFPB, một cơ quan mới của chính phủ Liên bang, có nhiệm vụ bảo vệ người tiêu dùng và bảo đảm sự hiệu quả của các sản phẩm và dịch vụ tài chánh cho mọi người ở Hoa Kỳ – ngay cả khi quý vị gửi tiền ra nước ngoài. Chúng tôi muốn quý vị có được những thông tin cần thiết để quyết định tốt nhất cho tài chánh của quý vị và gia đình.

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    + +Nếu quý vị nghĩ rằng quý vị có gặp vấn đề gì, xin hãy gọi cho chúng tôi:(855) 411-2372 và bấm 4. + +
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    QUYỀN LỢI CỦA QUÝ VỊ

    Trong hầu hết các trường hợp, khi quý vị gửi tiền đến một quốc gia khác, luật Liên bang mới sẽ bảo vệ quý vị, quyền lợi của quý vị được bao gồm:

    • Số tiền đó được giao đến đúng người nhận hoặc các doanh nghiệp.
    • Trước khi quý vị trả tiền, và sau khi tiền đã chuyển, sẽ được  biết thông tin về:

    • Hủy bỏ một cuộc chuyển tiền, trong vòng 30 phút sau khi gửi, sẽ không bị tính lệ phí.
    • Nên báo cho công ty biết về những nhầm lẫn trong vòng 180 ngày, để họ điều tra vụ việc.  Công ty sẽ phải kiểm tra vấn đề đó trong vòng 90 ngày, và thông báo kết quả cho quý vị.
    • Hãy liên lạc CFPB nếu quý vị gặp vấn đề khi gửi tiền.

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    Những vấn đề thường được báo cáo cho CFPB

    • Trước khi, hoặc sau khi quý vị gửi tiền, công ty đã không cho quý vị biết về:

    • Tỷ giá hối đoái, lệ phí, hoặc tổng số tiền gửi ghi trong giấy biên nhận không đúng.
    • Người nhận không lấy được tiền theo ngày đã hứa.
    • Quý vị bị tính tiền sai
    • Người bên kia nhận sai số tiền.
    • Quý vị tin rằng công ty hoặc người mà quý vị gửi tiền đến đã gian lận hoặc lừa gạt.

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    Nếu quý vị nghĩ rằng mình đã gặp một trong những vấn đề được mô tả trên đây, hoặc bị xâm phạm về những quyền lợi mới do Liên bang quy định, thì xin hãy liên lạc lập tức với công ty. Những trường hợp đó, quý vị có thể được hoàn trả tiền hoặc gửi tiền lại mà không cần trả thêm lệ phí nào. Tiếp theo, hãy gọi cho chúng tôi ở số (855) 411-2372 và bấm 4 để nói Tiếng Việt và chúng tôi sẽ liên lạc với công ty để theo dõi sự việc.

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    TRƯỚC KHI VÀ SAU KHI

    Đây là những ví dụ về loại thông tin mà các công ty bắt buộc phải cho quý vị biết trước khi và sau khi gửi tiền.

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    Trước khi trả tiền

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    Trước khi gửi tiền, quý vị sẽ thấy:

    • Số tiền quý vị đã trả
    • Tỷ giá hối đoái (nếu có)
    • Tổng số tiền cho Người Nhận (ví dụ, số tiền sẽ được giao)

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    Sau khi trả tiền

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    Sau khi gửi tiền, quý vị sẽ biết:

    • Khi nào người bên kia có thể nhận được tiền
    • Cần phải làm gì khi xảy ra trường hợp sai sót
    • Cách thức gửi đơn khiếu nại.
    • Tỷ giá hối đoái (nếu có).
    • Tổng số tiền cho Người Nhận (ví dụ, số tiền sẽ được giao).
    • Hướng dẫn về quyền được hủy bỏ cuộc chuyển tiền
    • Cách thức nộp đơn khiếu nại, bao gồm thông tin liên lạc CFPB và, trong vài trường hợp, cách liên lạc cơ quan giám sát của Tiểu bang.

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    SO SÁNH GIÁ

    Chúng tôi muốn quý vị có được tất cả những thông tin cần thiết để quyết định công ty nào là tốt nhất cho quý vị.

    Trước khi gởi tiền, các công ty phải cho quý vị biết về tỷ giá hối đoái (nếu có), mức thuế được thu bởi nhà cung cấp dịch vụ, các lệ phí nhất định, và số tiền mà người nhận sẽ nhận được.  Vào thởi điểm này, quý vị có thể quyết định không gửi tiền.  Quý vị có thể dùng thông tin này để so sánh số tiền nhận được tại bất cứ công ty nào mà quý vị muốn.  Điều này sẽ bảo đảm là quý vị chọn đúng công ty cho quý vị và gia đình.

    Các thông tin bổ sung

    Để biết thêm thông tin về cách gửi tiền và quý vị được bảo vệ như thế nào, hãy xem  các câu trả lời cho những câu hỏi thường gặp sau đây:

    • Chuyển gửi tiền là gì?
    • Những phương pháp bảo vệ mới từ liên bang cho người tiêu dùng khi gửi tiền ra quốc tế là gì?
    • Khi tôi gửi tiền ra nước ngoài, thì tôi có thể biết tiền phí và tỷ giá hối đoái bằng ngôn ngữ của tôi không?

    Hãy xem danh sách các câu trả lời đầy đủ cho những câu hỏi thường gặp khi gửi tiền.

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    + + 略過至主要內容 + +
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    匯錢到另一個國家

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    您是否曾匯錢給住在另一個國家的親友或他人？您是否打算匯錢到國外

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    我們是消費者金融保護局（CFPB），是一個新成立的聯邦政府機構。我們保護消費者，確保金融產品及服務爲美國所有的人服務，包括在您匯錢到其他國家時。我們希望您得到所需的資訊，能爲自己及您的家庭作出最好的財務決定。

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    +如果您認為您遇到了問題，請打電話給我們。號碼是： + (855) 411-2372 然後請按 3. + +
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    您的權利

    在您匯錢去其他國家時，在大多數的情形下您受新的聯邦法律所規定的權利的保護，包括您的這些權利：

    • 讓錢匯給正確的收款人或公司。

    在您付錢之前，及匯款完成之後，獲得關於下列方面的資訊：

    通常在匯款後三十分鐘內無償取消匯款交易

    在180天內把問題報告給匯款公司，請他們調查。該公司必須在90內調查這個問題並且將調查結果報告給您。

    如果您匯款中遇到問題請与CFPB聯絡。

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    向CFPB報告的常見問題

    • 公司在匯款之前或之後沒有告訴您：
      • 匯率（如有）
      • 某些費用
      • 預計會收到的總數
    • 收據上列出的匯率、費用或收款人收到的總數不對。
    • 收款人在承諾的那一天拿不到錢。
    • 您被收取的費用不對。
    • 收款人拿到的金額不對。
    • 您認為您匯錢過去的對方收款人或公司有欺詐或詐騙行為。

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    如果您認為您遇到了上述的問題或您根據新的聯邦法律而擁有的權利被侵犯，請立刻聯絡那個匯款公司。在有些情形下，您可能可以獲得退款或可以無償重新匯款。接下來，請您打電話到 (855) 411-2372 給我們，按 3 來以中文進行溝通。我們會與那個匯款公司進行後續溝通和追蹤。

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    匯款前後

    這些是大部分的公司在您匯款前或匯款後必須向您提供的資訊的一些例子。


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    在您付款前

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    在匯款前，您可以看到：

    • 您一共要付多少錢。
    • 匯率（如有）。
    • 收款人一共會收到的金額（即：預計可拿到手的金額）。
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    付款後

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    在匯款後，您可以看到：

    • 錢什麼時候可以用
    • 如果發生錯誤該怎麼做
    • 如何提出投訴
    • 匯率（如有）
    • 收款人一共會收到的金額（即：預計會拿到手的金額）
    • 關於您取消匯款的權利的說明
    • 如何提出投訴，包括如何聯絡CFPB（消費者金融保護局），以及在某些情形下，如何聯絡州監管機構。
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    比較價格

    我們希望您擁有所有需要的資訊來決定哪一個公司最適合您。

    在匯款前，公司必須提供關於匯率（如有）、由服務提供商收取的稅金、某些費用、以及收款人會拿到手的金額這些方面的資訊。在這個時候，您可以選擇不要進行匯款。您可以用所獲得的資訊來比較會收到的金額，且您想貨比多少家都可以。這會幫助您選擇適合您及您的家庭的公司。

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    Managing your finances

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    If you are facing financial difficulties as a result of the pandemic, we have resources to protect and manage your finances.

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    What to do if you’re struggling to pay bills

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    There are ways to get help if you are struggling to pay your bills due to the financial impact of COVID-19. But if you can still pay your bills, you will likely be better off staying on track.

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    Options when you can’t make payments

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    If you have trouble paying your bills, loans, or paying on time, there may be a number of options to help, especially if you reach out early to your lenders or creditors.

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    Tools to help when you can’t pay your bills

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    We also offer a variety of tools including some designed to help you:

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    Before you withdraw money from other sources

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    If you’re out of work and need income, find out what you should consider before withdrawing from your retirement savings or using home equity to cover expenses.

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    What to do if you lose your income

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    In March 2021, Congress passed, and the President signed, legislation providing an additional $300 weekly federal enhancement to all workers entitled to unemployment benefits. The supplement begins after March 14, 2021and ends on September 6, 2021. The legislation also extends the Pandemic Unemployment Assistance program which provides unemployment assistance to the self-employed and gig workers. Contact your state’s unemployment office or program for information or to apply for benefits.

    You can look to your state’s unemployment insurance office or program to identify current options for benefits.

    By Executive Order on August 8, 2020, the Federal Emergency Management Agency (FEMA) was authorized to award grants to states and territories to administer Lost Wage Assistance (LWA) as a supplemental unemployment payment. These supplemental payments from FEMA are in addition to unemployment insurance benefit paid by your state and will also be administered through your state and not FEMA. You can check here to see if your state has been approved to provide this assistance. Check with your state’s unemployment office or program to see how to apply for these supplemental payments.

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    Direct deposit options for unemployment benefits

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    Overview of pandemic unemployment benefits, options for how to receive money, value of using direct deposit to receive benefits, how to sign up for direct deposit, info on possible scams, and other tools to help manage money.

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    4 steps to resolve an unemployment benefits card error due to suspected fraud

    1. Find contact information for the bank that issued the card. You can generally find the contact information for the bank on the back of the card, when you log into your account online, or with the materials you received with your card.
    2. Contact the bank right away and let them know that you are having an issue with your card and suspect fraud. You should contact them right away if you suspect fraud on your account. Depending on the circumstances, if you wait too long to report, you could be responsible for more or all of the unauthorized or incorrect charges. Ask them how to file an error notice. If you are having trouble contacting your bank, go to step 4.
    3. File an error notice with the bank that issued the card. You can do this either by phone or in writing. Some banks may require you to follow up with a written confirmation after you notify them over the phone. If filing in writing, confirm the address where you are mailing your complaint. Once you file a notice, the bank will need to investigate the issue. They will get back to you with information on what was found during their investigation and what the next steps are. The investigation may take up to 45 or 90 days in some circumstances.
    4. If you can‘t reach your bank, do not hear back, or feel that your issue has not been resolved, you can submit a complaint to the CFPB. We’ll forward it to the bank and work to get you a response.
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    How to take control of your finances

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    Deal with debt

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    There are a number of steps that you can take to help manage debt in the face of the coronavirus pandemic. You can look to your state’s unemployment policies to identify current options for benefits. Your state’s public health office may also have information.

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    Protect your credit

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    Your credit reports and scores play an important role in your future financial opportunities. See steps to manage and protect your credit during the COVID-19 (coronavirus) pandemic.

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    Explore online banking tips

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    If you’ve been on the fence about doing your banking online or through a mobile app, now is a good time to get started as financial institutions change their branch hours during the COVID-19 pandemic.

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    Other federal resources to help you protect your finances

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    CARES Act Mortgage Forbearance: What You Need to Know

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    UPDATE: Since this video was released, federal regulators have made it clear that if you receive a forbearance under the CARES Act, your mortgage servicer cannot require you to repay your skipped payments in a lump sum once the forbearance period ends. Also, wait times for most call centers have eased, we encourage you to contact your servicer to learn more.

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    If you are experiencing difficulty making on-time mortgage payments due to the national coronavirus emergency, forbearance may be an option for you.

    Download transcript

    Forbearance is when your mortgage servicer, that’s the company that sends your mortgage statement and manages your loan, or lender allows you to pause or reduce your payments for a limited period of time.

    Forbearance does not erase what you owe. You’ll have to repay any missed or reduced payments in the future. So, if you’re able to keep up with your payments, keep making them. The types of forbearance available vary by loan type.

    Other resources to help you during the coronavirus pandemic

    Mortgage relief options

    If you can’t make your mortgage payments because of the coronavirus, start by understanding your options and reaching out for help.

    Learn about mortgage and housing assistance options

    Protect your finances

    As you prepare for the possible spread of the coronavirus or COVID-19, here are resources to protect yourself financially.

    Know the steps to take

    Student loans

    Federally-held student loan payments are postponed and interest has been waived.

    Learn what that means for your loans

    Protect your credit

    Your credit reports and scores play an important role in your future financial opportunities.

    Learn how to manage and protect your credit

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    Help for homeowners and renters during the coronavirus national emergency

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    Find help for your situation

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    Help for homeowners

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    Learn about options to help your situation, like repaying any amount not paid during forbearance, avoiding foreclosure, and maintaining your reverse mortgage.

    See your next steps

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    Help for renters

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    Federal, state, and local governments are offering relief. See options to avoid eviction, get rental assistance, and understand your rights.

    Get the help you're entitled to

    Apply for money to cover rent and utilities

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    Help for landlords

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    If you've lost rental income, you may be struggling to pay your mortgage and other costs. See alternatives to eviction and get help.

    Learn what this means for you

    Apply for money to cover expenses if your tenants cannot pay rent

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    Help if you’ve lost housing

    If the COVID-19 pandemic has caused you to lose your housing through foreclosure or eviction, you’re not alone. Find help to make a smooth transition to a new home and get a grasp on the other parts of your money situation.

    See how to get started

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    Where to get additional help

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    If you need help working with your mortgage servicer or understanding your options, you may want to reach out to a professional to help you with your specific situation. Remember: Legitimate resources will not charge an up-front fee for their services.

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    Housing counselors

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    U.S. Department of Housing and Urban Development (HUD)-certified housing counselors can discuss options with you if you're having trouble paying your mortgage or managing your reverse mortgage.

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    Need help with the basics?

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    Learn how to read your monthly mortgage statement or understand key mortgage terms, like mortgage forbearance.

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    Lawyers

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    If you need a lawyer, there may be resources to assist you through your local bar association or legal aid. If you are a servicemember, contact your local Legal Assistance Office .

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    Credit counselors

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    Reputable credit counseling organizations are generally non-profit organizations that can advise you on your money and debts, and help you with a budget. Some may also help you negotiate with creditors.

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    Avoiding scams and bad actors

    Beware of coronavirus-related scams

    See more information on scams related to the coronavirus

    Learn what steps you can take if you believe you’ve been a victim of a foreclosure scam

    Submit a complaint

    If you have a problem with a consumer financial product or service, you can try reaching out to the company first. Companies can usually answer questions unique to your situation and more specific to the products and services they offer. We can also help you connect with the company if you have a complaint. You can submit to the CFPB online or by calling (855) 411-2372.

    For homeowners: Start a complaint

    For renters: See more about filing a complaint about discrimination or against a landlord

    Housing discrimination

    Federal laws prohibit housing discrimination. The protections they offer differ somewhat depending on whether you own or rent your home.

    If you own your home, lenders and servicers may not discriminate against you for mortgage servicing practices – such as forbearance and loan modifications – based on your race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, age, family status (pregnancy or families with children), disability, whether you are receiving money from a public assistance program, or whether you are exercising your rights under certain consumer protection and fair housing laws. If you believe a lender or mortgage servicer has discriminated against you, you generally can submit a complaint with the CFPB or file a fair housing complaint with HUD . More information on fair lending and protections against discrimination can be found on the CFPB’s and HUD’s websites.

    If you are renting a home or apartment, your landlord cannot

    • Sexually harass you
    • Refuse to rent to you
    • Evict you, or
    • Change or set different rules for your rental agreement

    because of your race, color, national origin (country of origin or ancestry), religion, sex (including sexual orientation and gender identity), family status (pregnancy and families with children), or disability.

    If you or your landlord receive federal financial assistance for housing, you are also protected from housing discrimination based on age.

    Learn about your fair housing rights when you are facing eviction . If you believe your rights have been violated you can file a fair housing complaint with HUD .

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    Page last modified: November 9, 2021

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    Help is available for renters
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    The CDC moratorium ended on August 26, 2021, but help is available. Apply for money to cover rent and utilities today.
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    Help for renters

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    If you’re having trouble making rent payments as a result of the coronavirus pandemic, you’re not alone.

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    Federal, state, and local governments are offering help with housing expenses and avoiding eviction. Find out what this means for you, and what you can do.

    On this page you will find resources for:

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    What to do if you're struggling to pay rent

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    Find emergency help for rent and utilities

    If you’re having trouble paying for rent and utilities, you’re not alone. The federal Emergency Rental Assistance (ERA) program was created to help you cover housing costs and stay in stable housing during the coronavirus pandemic.

    Talk to your landlord about a repayment agreement

    In addition to applying for emergency rental assistance, now may be the time to start a conversation with your landlord if you're struggling to pay your full rent each month or need to repay past due rent.

    Learn about options and how to start the conversation

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    How to avoid scams

    Scammers are taking advantage of the coronavirus pandemic to target people looking for rental assistance.

    Find resources to help you prevent, recognize, and report scams

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    If you're worried about eviction or have lost your home

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    We can help you understand what next steps to take, based on your situation right now.

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    What to look out for before you apply for new rental housing

    Many landlords use a tenant screening report to help them decide whether to rent to you, and how much to charge you for a security deposit.

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    Find out if you have more protections

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    As a renter, you have local, state and federal rights during the pandemic. Some may help you stay in your home and postpone eviction.

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    Talk to a local expert

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    If your landlord is threatening to evict you, or you need help understanding your rights, talk to a lawyer. You may qualify for free legal aid, based on your income.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?chartType=line&dateInterval=Month&lens=Overview&searchField=all&tab=Trends b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?chartType=line&dateInterval=Month&lens=Overview&searchField=all&tab=Trends new file mode 100644 index 000000000000..b6dbc6a214ab --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?chartType=line&dateInterval=Month&lens=Overview&searchField=all&tab=Trends @@ -0,0 +1,1361 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-09&date_received_min=2011-12-01&has_narrative=true&page=1&product=Credit reporting, credit repair services, or other personal consumer reports&searchField=all&size=25&sort=created_date_desc&tab=List b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-09&date_received_min=2011-12-01&has_narrative=true&page=1&product=Credit reporting, credit repair services, or other personal consumer reports&searchField=all&size=25&sort=created_date_desc&tab=List new file mode 100644 index 000000000000..5652b5387c20 --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-09&date_received_min=2011-12-01&has_narrative=true&page=1&product=Credit reporting, credit repair services, or other personal consumer reports&searchField=all&size=25&sort=created_date_desc&tab=List @@ -0,0 +1,1361 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-10&date_received_min=2011-12-01&has_narrative=true&page=1&product=Debt collection&searchField=all&size=25&sort=created_date_desc&tab=List b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-10&date_received_min=2011-12-01&has_narrative=true&page=1&product=Debt collection&searchField=all&size=25&sort=created_date_desc&tab=List new file mode 100644 index 000000000000..d6dfa94de937 --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_max=2022-08-10&date_received_min=2011-12-01&has_narrative=true&page=1&product=Debt collection&searchField=all&size=25&sort=created_date_desc&tab=List @@ -0,0 +1,1361 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&has_narrative=true&page=1&searchField=all&size=25&sort=created_date_desc&tab=List b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&has_narrative=true&page=1&searchField=all&size=25&sort=created_date_desc&tab=List new file mode 100644 index 000000000000..d443c4b30fd5 --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&has_narrative=true&page=1&searchField=all&size=25&sort=created_date_desc&tab=List @@ -0,0 +1,1361 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&page=1&searchField=all&size=25&sort=created_date_desc&tab=List b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&page=1&searchField=all&size=25&sort=created_date_desc&tab=List new file mode 100644 index 000000000000..e42fc7b97d61 --- /dev/null +++ b/www.consumerfinance.gov/data-research/consumer-complaints/search/index.html?date_received_min=2011-12-01&page=1&searchField=all&size=25&sort=created_date_desc&tab=List @@ -0,0 +1,1361 @@ + + + + + + + + Search the Consumer Complaint Database | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/credit-card-data/index.html b/www.consumerfinance.gov/data-research/credit-card-data/index.html new file mode 100644 index 000000000000..3ec481009cc3 --- /dev/null +++ b/www.consumerfinance.gov/data-research/credit-card-data/index.html @@ -0,0 +1,1651 @@ + + + + + + + Credit Card Agreements & Surveys | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Credit card agreements and surveys

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    Explore our databases about credit cards, including general credit card agreements and college credit card marketing agreements. View survey data and data around the Credit CARD Act.

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    Credit card agreements

    +
    +

    We maintain a database of credit card agreements from more than 600 card issuers. Using the database, you can search for an agreement by the name of the issuer.

    + +
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    Know Before You Owe: Credit cards

    +
    +

    We developed a shorter, simpler credit card agreement that spells out the terms for the consumer. We believe our approach will help consumers better understand their credit card agreements.

    + +
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    College credit card marketing agreements

    +
    +

    We collect information annually from credit card issuers who have marketing agreements with universities, colleges, or affiliated organizations such as alumni associations, sororities, fraternities, and foundations. We publish annual reports to Congress, and we maintain publicly accessible files of the agreements.

    + +
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    Terms of credit card plans (TCCP) survey

    +
    +

    We semiannually survey the terms of credit card plans offered by credit card issuers and publish reports of the findings—a collection commonly referred to as the TCCP Survey. Issuers selected for the TCCP Survey can now use Collect, the Bureau’s new online channel for TCCP submissions.

    + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/financial-well-being-survey-data/index.html b/www.consumerfinance.gov/data-research/financial-well-being-survey-data/index.html new file mode 100644 index 000000000000..7527000453e6 --- /dev/null +++ b/www.consumerfinance.gov/data-research/financial-well-being-survey-data/index.html @@ -0,0 +1,1614 @@ + + + + + + + Financial Well-Being Survey Data | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Financial well-being survey data

    +
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    Explore data from our National Financial Well-Being Survey to learn more about how a wide range of factors relate to consumers’ financial well-being.   

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    Advancing financial well-being through research

    Understanding factors that support consumer financial well-being can help practitioners and policymakers empower more families to lead better financial lives to serve their own goals.

    A person’s financial well-being comes from their sense of financial security and freedom of choice—both in the present and when considering the future. We measured it using our 10-item Financial Well-Being Scale.

    The survey dataset includes respondents’ scores on that scale, as well as measures of individual and household characteristics that research suggests may influence adults’ financial well-being, including:

    • Income and employment
    • Savings and safety nets
    • Past financial experiences
    • Financial behaviors, skills, and attitudes

    +
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    Download the data

    +
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    Survey data file

    +
    +

    Download the complete survey data as a CSV file, published September 2017. This public use file (PUF) doesn't include personally identifying information of the respondents.

    + +
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    Code for analytics tools

    +
    +

    Download stub codes to read the survey data into several analytics tools.

    + +
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    +
    +

    About the data

    +
    +
    +
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    User’s guide

    +
    +

    Learn more about the survey and how to use the public use file.

    + +
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    File codebook

    +
    +

    See a list of variables, data dictionary, and variable summary statistics for the public use data file.

    + +
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    +
    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/mortgage-performance-trends/index.html b/www.consumerfinance.gov/data-research/mortgage-performance-trends/index.html new file mode 100644 index 000000000000..56c13037786d --- /dev/null +++ b/www.consumerfinance.gov/data-research/mortgage-performance-trends/index.html @@ -0,0 +1,1462 @@ + + + + + + + Mortgage performance trends | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
    +
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    + An official website of the + United States government +
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    Mortgage performance trends

    +
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    Data on mortgage delinquency rates help us understand the health of the mortgage market and the overall economy.

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    Mortgages 30–89 days delinquent

    The 30–89 day mortgage delinquency rate can be an early indicator of mortgage market health. Our interactive charts and maps show how it has changed since 2008.

    Explore 30–89 day delinquency data

    Mortgages 90 or more days delinquent

    The 90–day mortgage delinquency rate can reveal more severe economic distress. Our interactive charts and maps show how it has changed since 2008.

    Explore 90–day delinquency data

    +
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    +

    Download the data

    +
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    These data files—aggregated by state, metro and non-metro areas, and county—power our charts and maps.

    + +
    +
    +
    +
    +
    +
    +

    About the data

    +
    +

    These data are based on a nationally representative 5 percent sample of closed-end, first-lien, 1–4 family residential mortgages. 

    + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/prepaid-accounts/index.html b/www.consumerfinance.gov/data-research/prepaid-accounts/index.html new file mode 100644 index 000000000000..b03199f16b48 --- /dev/null +++ b/www.consumerfinance.gov/data-research/prepaid-accounts/index.html @@ -0,0 +1,1564 @@ + + + + + + + Prepaid Account Agreements | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    + + Skip to main content + +
    +
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    + An official website of the + United States government +
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    Prepaid account agreements

    +
    +

    Explore our searchable database of prepaid account agreements. Issuers can use our resources to submit prepaid account agreements, as required under the Prepaid Rule.

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    View prepaid account agreements

    +
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    +
    +
    +

    Search the agreements database

    +
    +

    Search our database of prepaid product agreements.

    + +
    +
    +
    +
    +
    +
    +

    Download the data

    +
    +

    Download all prepaid product agreement files and their supporting metadata.

    + +
    +
    +
    +
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    +
    +
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    Submit prepaid account agreements

    +

    The Prepaid Rule requires prepaid account issuers to submit their prepaid account agreements to the Bureau. Issuers must make a submission whenever a new agreement is offered, a previously submitted agreement is amended, or a previously submitted agreement is no longer offered.

    +
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    Collect

    +
    +

    Collect is the Bureau’s website that allows an issuer to submit its required prepaid account agreements. An issuer must use Collect to submit its agreements to the Bureau.

    + +
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    Submission instructions for Collect

    +
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    The Bureau has created resources to help prepaid account issuers make submissions using Collect.

    + +
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    Prepaid Rule and Implementation Materials

    +

    Access the Prepaid Rule and resources that help industry participants implement and comply with the Prepaid Rule.

    +
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    +

    Prepaid implementation materials

    +
    +

    Resources to help industry participants understand, implement, and comply with the Prepaid Rule.

    + +
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    Full text of the Prepaid Rule

    +
    +

    The Bureau issued this final rule, and subsequent amendments, to create comprehensive consumer protections for prepaid accounts under Regulation E and Regulation Z.

    + +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/research-reports/2022-consumer-response-annual-report/index.html b/www.consumerfinance.gov/data-research/research-reports/2022-consumer-response-annual-report/index.html new file mode 100644 index 000000000000..4782416bd778 --- /dev/null +++ b/www.consumerfinance.gov/data-research/research-reports/2022-consumer-response-annual-report/index.html @@ -0,0 +1,1559 @@ + + + + + + + 2022 Consumer Response annual report | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + Category: + Consumer complaint + +

    2022 Consumer Response annual report

    +
    + + + + +
    +
    +
    +
    +
    +

    The Consumer Financial Protection Bureau began consumer response operations on July 21, 2011, and became the first federal agency solely focused on consumer financial protection. The Bureau’s Consumer Response team hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of financial institutions, and assists in addressing their complaints.

    Full report

    Read the full report

    +
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/data-research/research-reports/effective-financial-education-five-principles-and-how-use-them/index.html b/www.consumerfinance.gov/data-research/research-reports/effective-financial-education-five-principles-and-how-use-them/index.html new file mode 100644 index 000000000000..fed116c8d405 --- /dev/null +++ b/www.consumerfinance.gov/data-research/research-reports/effective-financial-education-five-principles-and-how-use-them/index.html @@ -0,0 +1,1603 @@ + + + + + + + Effective financial education: Five principles and how to use them | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + Category: + Consumer education and empowerment + +

    Effective financial education: Five principles and how to use them

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    The CFPB has +conducted research over its first five years into what makes financial +education effective. We have summed up our findings into five principles that +financial educators, financial coaches, and other practitioners can put into +practice to help drive financial action and well-being.

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    Effective +financial education means helping consumers as they work to bridge the gap between +their knowledge, their intentions, and the actions they take. It means +deploying a wide range of strategies that help consumers to achieve the +ultimate goal of financial education: financial well-being.

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    We offer +these principles as a path forward for effective financial education, in its +many different forms. The five principles build on insights about how people +make financial decisions, marshalled from many fields of study, and on what we +have learned about consumers’ own experiences in the financial marketplace.

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    The report +presents the principles, provides tested strategies as well as practitioners’ +tips for ways to put the principles into practice.

    Report

    Read the full report

    Read the report summary

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    - Supervisory Highlights + Data spotlight
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    - Supervisory Highlights Junk Fees Update Special Edition, Issue 31, Fall 2023 + Vast majority of NSF fees have been eliminated, saving consumers nearly $2 billion annually

    - This special edition of Supervisory Highlights updates the public on supervisory work completed since the CFPB published the March 2023 Supervisory Highlights Junk Fees Special Edition. + CFPB recently analyzed the NSF fee practices of a number of banks and credit unions, finding that most large earners of NSF fee revenue have eliminated these fees, saving consumers nearly $2 billion annually. +
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    + By + Offices of Consumer Populations and Markets
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    - Data spotlight + Supervisory Highlights
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    - Vast majority of NSF fees have been eliminated, saving consumers nearly $2 billion annually + Supervisory Highlights Junk Fees Update Special Edition, Issue 31, Fall 2023

    - CFPB recently analyzed the NSF fee practices of a number of banks and credit unions, finding that most large earners of NSF fee revenue have eliminated these fees, saving consumers nearly $2 billion annually. -
    -
    - By - Offices of Consumer Populations and Markets + This special edition of Supervisory Highlights updates the public on supervisory work completed since the CFPB published the March 2023 Supervisory Highlights Junk Fees Special Edition.
    diff --git a/www.consumerfinance.gov/data/index.html b/www.consumerfinance.gov/data/index.html new file mode 100644 index 000000000000..d78b774a6236 --- /dev/null +++ b/www.consumerfinance.gov/data/index.html @@ -0,0 +1,1429 @@ + + + + + + + Serving the public through data transparency and access | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + An official website of the + United States government +
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    Serving the public through data transparency and access

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    Data Transparency

    At the CFPB, we leverage the full potential of data to meet our mission. This means proactively and securely acquiring, analyzing, and publishing high quality data and research to keep pace with statutory mandates and an evolving data-driven economy. Data is a fundamental driver of our mission to ensure that people have access to fair, transparent, and competitive markets for consumer financial products and services. The CFPB is committed to improving transparency and accessibility by providing the public with timely and reliable data that will enable them to make informed decisions.

    Pursuant to the OPEN Government Data Act, the CFPB also maintains a Public Data Inventory, a centralized location where the public can readily access CFPB data and information, browse the FOIA Reading Room, and contact the Office of the Chief Data Officer (OCDO) with data related questions and comments. In addition, the CFPB has identified its high priority data assets and made them available in OPEN format within the Federal Data Catalogue. In addition, the CFPB released a report in 2018, Sources and Uses of Data at the Bureau of Consumer Financial Protection (Data Report) that described the CFPB’s data governance program, as well as data the CFPB collects, where it comes from, and how it’s used within the CFPB.

    View the Public Data Inventory

    Browse the Federal Data Catalogue

    Read the Data Report

    Read about the OPEN Government Data Act

    Read the CFPB’s Information Resources Management Plan, which includes the CFPB’s Open Data Plan

    Chief Data Officer

    Ren Essene

    The CFPB's Chief Data Officer (CDO) is Ren Essene. She has over 30 years of public service experience at the intersection of data, consumer protection, and community development.

    Office of the Chief Data Officer

    The OCDO leads the CFPB’s Enterprise Data Strategy and is responsible for developing policies and guidance to facilitate compliance and effectively manage the use, sharing, and protection of CFPB data assets across the data lifecycle. The OCDO also leads the CFPB’s implementation of the statutory requirements of the Foundations for Evidence-Based Policymaking Act (Evidence Act) and efforts related to the Federal Data Strategy to facilitate data-driven decision-making and ensure that the data needs of the CFPB are met.

    Read about the Evidence Act

    Read about the Federal Data Strategy

    Data Governance

    The CFPB has centralized processes for managing data across the lifecycle, supported by its three data governance bodies. The DGB is responsible for assessing the benefits and risks associated with the management of the CFPB’s data assets, reviewing and offering guidance on data policies, and improving information governance standards. The DGB meets monthly and is chaired by the CDO and comprised of senior staff from across the CFPB.

    To streamline data intake and release request processes, the CFPB established the Data Intake Group (DIG) and Data Release Group (DRG). The DIG and DRG help centralize the review process and ensure compliance with relevant laws, regulations, and CFPB policies before data is brought into the CFPB or released to the public. This governance structure is managed by the OCDO and serves as the foundation for making CFPB data assets more readily available and accessible to the public.

    Read the DGB charter

    Enterprise Data Strategy

    The Enterprise Data Strategy builds on the CFPB’s strong data governance structure and is informed by the need for an agile approach to the work, innovative data management, the upskilling of staff, and robust knowledge management capture. The strategy supports the execution of the CFPB’s Strategic Plan and provides a shared agenda for the CFPB to leverage the full potential of data to achieve our mission.

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    Vision

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    The CFPB leverages the full potential of data to meet its mission; and proactively and securely shares quality data and research to keep pace with statutory mandates and an evolving data-driven economy.

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    Foundational principles

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    Guiding the strategy

    • Protect Confidential Information & Secure Data
    • Foster a Data Culture
    • Governed Data Sharing & Democratization
    • Data Informed Decision-Making
    • Scale & Innovate Leveraging Technology
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    Priorities

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    Turning the strategy into action

    • Increase External Data Publication
    • Build a Modern Data Platform
    • Enable Quality Research & Analysis
    • Increase Awareness and Knowledge About Data
    • Foster Data Literacy
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    Download the Enterprise Data Strategy handout

    FOIA reports, logs, and frequently requested records

    The Freedom of Information Act (FOIA) is a law that enables members of the public to request records from the government. Our FOIA team responds to FOIA requests and frequently updates our FOIA Reading Room with proactive disclosures and other frequently requested records. The CFPB’s FOIA Reading Room contains logs of closed FOIA requests, productions of the most frequently requested records under the FOIA, and the CFPB’s FOIA annual reporting to the Department of Justice. FOIA requesters may contact the CFPB’s FOIA team to check on the status of their FOIA request or assist in the resolution of FOIA disputes.

    Read about the Freedom of Information Act

    Browse the FOIA Reading Room

    Email the CFPB's FOIA Public Liaison

    We take your privacy seriously

    The CFPB collects only the minimum amount of personally identifiable information (PII) needed, whether it is to assist with your consumer financial issue or to work on consumer issues more broadly. When releasing data, we are careful to protect the privacy and confidentiality of the data asset.

    Visit our Privacy pages

    Submit a question

    Do you have a data-related question or want to learn more? Email CFPB_OCDO@cfpb.gov.

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    Equifax data breach settlement

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    In 2017, Equifax announced a breach that exposed the personal data of approximately 147 million people. Payments for claims filed for out-of-pocket losses, time spent, and other cash benefits are now being sent. If you filed a claim, keep an eye out for your payment.

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    Status of financial reimbursement

    Cash reimbursement requests for payment (to repay money you lost, or pay for time you spent recovering from the data breach) that were submitted before the deadline of January 22, 2022, are scheduled to be sent starting in mid-December 2022. You’ll receive the payment in the form you requested when you filed your claim—check, PayPal transfer to your account, or prepaid card. For more details and to check your claim status, visit EquifaxBreachSettlement.com .

    You can still request financial reimbursement

    If your data was part of the breach and you had to spend time or money recovering from it between January 23, 2020, and January 22, 2024, there is an extended period to claim reimbursement. You can fill out the form at EquifaxBreachSettlement.com.

    You can request a reimbursement for money spent on things such as:

    • Certain Equifax products purchased before the breach
    • Freezing or unfreezing your credit
    • Credit monitoring services
    • Dealing with fraud or identity theft after the breach

    You can also request payment if you spent time on things such as:

    • Placing credit freezes
    • Buying credit monitoring services
    • Dealing with fraud or identity theft after the breach

    No-cost help in case of identity theft

    Everyone affected by the data breach can receive free identity restoration services from Experian, if you discover your personal information was misused. You can use these services even if you never filed a claim for other benefits. To get started, use the look-up tool to confirm that you were affected by the breach. After you’ve entered your information, you’ll see the phone number to call Experian for help, and the engagement number to give them.

    When you call, you’ll be assigned to a certified Identity Theft Restoration Specialist who can work with you. The specialist can help you with a step-by-step process to deal with companies, government agencies, and credit reporting companies.

    Steps you can take to protect yourself

    Check your credit reports on your own

    In response to the COVID-19 pandemic, the three nationwide credit reporting companies, Equifax, Experian, and Transunion, are currently offering free weekly access to your credit reports online at annualcreditreport.com . You can also request up to seven free reports per year through Equifax until 2026.

    According to a Federal Trade Commission study, one person in five finds an error in their credit reports. When you check yours, be prepared to take steps to fix incorrect information. Our information on credit reports and sample dispute letters can help you with this process.

    Consider placing an initial fraud alert on your credit file

    Another way to protect your credit proactively is to place a fraud alert on your file. To do this, you can contact any of the three credit reporting companies. The credit reporting company you make the report to must communicate your alert to the other two credit reporting companies.

    An initial fraud alert requires lenders to take reasonable steps to make sure the person making new credit requests in your name is actually you. For example, they may call you if you’ve provided a telephone number on your credit file. An initial fraud alert lasts for one year.

    Consider freezing your credit

    One way to protect your credit proactively is to contact the three credit reporting companies and place a freeze on your credit. When you freeze your credit, lenders won’t be able to access your credit information. If you apply for things like employment, apartments, or insurance, necessary credit checks can still go through.

    You can unfreeze your credit when you’re ready to seek a loan or another transaction that requires a lender to pull your credit report. You’re the only one who can request to lift the credit freeze on your file. Lifting a freeze can take time, so choose this approach only if you’re not currently thinking about taking out a new loan or credit account.

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    + + Saltar al contenido principal + +
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    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
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    + + + (855) 411-2372 + +
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    + + + Enviar una queja + +
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    Comprar vivienda es una decisión de vida

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    Si piensa comprar una vivienda, está solicitando una hipoteca, o ya tiene un préstamo hipotecario, tenemos recursos para ayudarle con cada paso.

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    ¿Está comprando una vivienda?

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    Elegir la hipoteca adecuada es tan importante como elegir la vivienda que quiere. Nuestros recursos facilitan ese proceso.

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    Pasos que puede tomar

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    ¿Ya tiene una hipoteca?

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    Manejar su hipoteca a veces no es fácil. Si no está seguro de cómo resolver un problema con su administrador, o está teniendo dificultades para pagar su hipoteca, tenemos recursos para ayudarle.

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    Pasos que puede tomar

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    Lo que hacemos para asistirle

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    Nuestras normativas hacen que las hipotecas sean más seguras, le protegen y le ofrecen ayuda cuando usted la necesite.

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    Sepa cómo le benefician nuestras normativas

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    + + Saltar al contenido principal + +
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    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
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    + + + (855) 411-2372 + +
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    + + + Enviar una queja + +
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    + + Búsqueda + +
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    Asistencia para propietarios e inquilinos durante la emergencia nacional del coronavirus

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    Encuentre asistencia para su situación

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    Encuentre asistencia con su hipoteca si tiene dificultades económicas

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    Tenemos información para ayudarle.

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    Actúe ahora si tiene un aplazamiento

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    Sepa qué hacer si acaba de comenzar el aplazamiento, si necesita más tiempo, o si ya está listo para salir del mismo.

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    Encuentre asistencia para inquilinos

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    Actúe ahora y protéjase contra el desalojo.

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    Ayuda si ha perdido su vivienda

    Si la pandemia de COVID-19 le ha provocado la pérdida de su vivienda por ejecución hipotecaria o desalojo, no está solo. Encuentre ayuda para hacer una transición sin interrupciones a un nuevo hogar y comprenda las otras partes de su situación financiera.

    Vea cómo empezar

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    Sepa acerca de las opciones de alivio, conozca a cuáles podría calificar, o mire los videos mostrados a continuación:

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    Alivio de hipoteca por el COVID-19: 4 cosas que debe saber

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    5 Pasos para que solicite un aplazamiento de hipoteca por causa del coronavirus

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    Dónde encontrar asistencia adicional

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    Si necesita ayuda para negociar con el administrador o para entender cuáles son sus opciones, quizás necesite comunicarse con un profesional en la materia que pueda ayudarle con su situación particular. Recuerde: los profesionales que sean legítimos no le cobrarán sus servicios por adelantado.

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    Asesores de vivienda

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    Las agencias de asesoría de vivienda aprobadas por el HUD, o Departamento de Vivienda y Desarrollo Urbano (en inglés) pueden discutir con usted sus opciones si tiene dificultades para pagar su hipoteca o manejar su hipoteca inversa.

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    ¿Necesita ayuda con lo básico?

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    Aprenda cómo leer su estado de cuenta de hipoteca mensual o a entender términos claves, como por ejemplo, “mortgage forbearance” o aplazamiento de hipoteca.

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    Abogados

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    Si necesita un abogado, podría encontrar asistencia a través de la oficina de asistencia legal de la asociación de abogados local, o si usted es militar, a través de la Oficina de Asistencia Legal (en inglés).

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    Asesores de crédito

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    Las organizaciones de asesoría de crédito de buena reputación son, por lo general, sin fines de lucro y pueden aconsejarle en temas de dinero y deudas, y ayudarle a hacer su presupuesto. Algunos podrían ayudarle también a negociar con sus acreedores.

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    Evite las estafas y a los mal intencionados

    Esté alerta con las estafas relacionadas al coronavirus

    Sepa más sobre estafas relacionadas con el coronavirus

    Conozca cuáles pasos puede seguir, si cree que ha sido víctima de una estafa de “foreclosure” o ejecución hipotecaria.

    Enviar una queja

    Si tiene problemas con algún producto o servicio financiero, primero trate de comunicarse con la compañía. Usualmente, éstas pueden responder mejor a preguntas que sean únicas a su situación y más específicas con respecto a los productos y servicios que ofrecen. Si tiene una queja también podemos ayudarle a comunicarse con la compañía. Puede enviarnos su queja en línea, o llamando al (855) 411-2372.

    Para propietarios de viviendas: Envíe una queja

    Para inquilinos: Sepa más acerca de cómo enviar una queja por discriminación o contra su casero

    Discriminación habitacional

    Dos leyes federales prohíben la discriminación habitacional. Las protecciones que ellas ofrecen difieren entre sí dependiendo de si usted es propietario o inquilino de la vivienda.

    Si usted es propietario, los prestamistas y administradores no pueden discriminarle con prácticas de administración de hipotecas como el “forbearance” o aplazamiento, y la “loan modification” o modificación de préstamo, en base a su raza, color, religión, nacionalidad, género, estado civil, edad, situación familiar, discapacidad, por recibir dinero de algún programa público de asistencia, o por ejercer sus derechos amparado en las protecciones de ciertas leyes de protección al consumidor. Si cree que algún prestamista o administrador de hipotecas le ha discriminado, usted generalmente puede enviarnos una queja o introducir una queja de “fair housing” o justicia habitacional con el HUD (en inglés). Encuentre más información acerca de la justicia habitacional y las protecciones contra la discriminación en las páginas web del CFPB (en inglés) y del HUD .

    Si usted renta una casa o apartamento, su casero tiene prohibido cambiar o establecer términos y condiciones diferentes en su alquiler, o terminarlo, basándose en su raza, color, nacionalidad, religión, género, situación familiar o discapacidad. Si cree que sus derechos han sido agredidos, puede introducir una queja de justicia habitacional con el HUD (en inglés).

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    Última actualización: 9 de noviembre del 2021

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    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
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    + + + (855) 411-2372 + +
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    Proteja sus finanzas durante la pandemia del Coronavirus

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    El CFPB está comprometido a ofrecer a los consumidores información actualizada y recursos útiles, para proteger y manejar sus finanzas durante estos difíciles momentos.

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    Recursos para ayudarle a tomar decisiones financieras

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    Asistencia con hipotecas y vivienda

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    Si le preocupa cómo pagar su hipoteca o su renta, contamos con información acerca de qué puede hacer ahora, y cuáles son sus opciones de alivio con la hipoteca y la renta.

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    Maneje sus finanzas

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    Si está enfrentando dificultades financieras por causa de la pandemia, le ofrecemos recursos para que proteja y maneje sus finanzas.

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    Préstamos estudiantiles

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    Los prestatarios de préstamos estudiantiles tienen ahora más beneficios a considerar, mientras se preparan para el potencial impacto financiero del coronavirus.

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    Evite las estafas

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    Hay estafadores aprovechándose de la pandemia del coronavirus para engañar a la gente y hacerla entregarles su dinero.

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    Videos destacados

    +
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    + +Mire el video +
    +

    Aplazamientos de hipotecas en la Ley CARES: Lo que usted necesita saber

    + +
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    + +Mire el video +
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    Lo que las personas que no declaran impuestos deben saber acerca de los Pagos por Impacto Económico

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    Recursos audiencias específicas

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    Militares y veteranos

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    Algunos miembros de las Fuerzas Armadas y sus familias están enfrentando dificultades financieras debido a la pérdida de empleos, o cambios en las órdenes militares. Si como consecuencia de la pandemia usted necesita asistencia financiera, hay ayuda disponible.

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    Padres e hijos

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    Mientras los niños estén en casa junto a usted u otros cuidadores, usted puede probar las actividades gratuitas que le ofrecemos y que ayudarán a desarrollar habilidades importantes que necesitarán para administrar su dinero en la adultez.

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    Adultos mayores y sus familias

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    Los adultos mayores podrían enfrentar preocupaciones únicas acerca de sus finanzas durante la pandemia, incluyendo, ser blanco de estafadores, verse separados de los cuidadores que les ayuden a manejar su dinero, o la toma de decisiones difíciles antes o durante su jubilación. Contamos con recursos para asistirlos.

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    Propietarios de pequeños negocios

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    Los pequeños negocios, incluyendo aquellos propiedad de minorías o de mujeres, constituyen la base de la economía del país, y éstos han sido particularmente golpeados durante la pandemia del coronavirus.

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    Envíe su queja

    ¿Tiene problemas con algún producto o servicio financiero? Primero intente comunicarse con la compañía que lo provea. Si ya lo hizo y el mismo persiste, usted puede enviarnos una queja. Explíquenos su problema, nosotros se lo haremos llegar a la compañía y trabajaremos para obtener una respuesta para usted, generalmente, en unos 15 días.

    Sepa cómo enviarnos una queja

    Encuentre asistencia de otras agencias gubernamentales

    Hemos reunido una serie de vínculos que le llevarán a las páginas de otras agencias gubernamentales que pueden brindarle información acerca de beneficios de desempleo, permiso, y salud, así como sobre seguridad social y asistencia alimentaria.

    Encuentre recursos de otras agencias gubernamentales

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/es/enviar-una-queja/index.html b/www.consumerfinance.gov/es/enviar-una-queja/index.html new file mode 100644 index 000000000000..7173baeb545b --- /dev/null +++ b/www.consumerfinance.gov/es/enviar-una-queja/index.html @@ -0,0 +1,634 @@ + + + + + + + Sepa cómo enviar una queja | Oficina para la Protección Financiera del Consumidor + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + Saltar al contenido principal + +
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    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
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    Sepa cómo enviar una queja

    +
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    Cuando envía su queja al CFPB, ésta cumple varios pasos que ayudan a que usted obtenga una respuesta, y a que nosotros identifiquemos los problemas que haya en el mercado.    

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    1. Recibimos su queja

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    Usted nos envía su queja acerca del problema que tiene con algún producto o servicio financiero, u otra agencia nos envía su queja. Le enviaremos actualizaciones de su caso por email y usted podrá también revisar el estado del mismo ingresando en nuestra página web.

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    2. Revisamos y enviamos su queja

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    Luego de revisar su queja y documentos recibidos, la enviaremos a la compañía y trabajaremos para que usted reciba una respuesta. En caso de que haya alguna otra agencia que pueda manejar mejor su caso, se lo haremos llegar, no sin antes notificarle al respecto.    

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    3. Obtenemos una respuesta de la compañía

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    Luego de revisar su queja, la compañía se comunicará directamente con usted para informarle sobre cualquier medida que tomaría para solucionar el problema. La mayoría de las compañías responden a las quejas dentro de 15 días. En ciertos casos, la compañía le avisara que aún está tratando de resolver su problema y le mandara una respuesta final en un plazo de 60 días.

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    4. Publicamos ciertos datos de su queja

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    Publicaremos en nuestra base de datos de quejas recibidas de los consumidores, algunos datos de la suya, como la fecha y tema de la misma. Si usted así nos autoriza, también publicaremos su descripción del problema y lo sucedido, una vez que hayamos eliminado toda su información personal.

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    5. Usted revisa la respuesta de la compañía

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    Al recibir la respuesta de la compañía, le notificaremos para que así usted pueda revisarla. Tendrá 60 días para enviarnos cualquier comentario que tenga sobre la misma.

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    Convertimos su queja en acciones    

    Las quejas nos ayudan a supervisar mejor a las empresas, a vigilar de cerca el cumplimiento de las leyes en materia financiera y a escribir normas más precisas. Sepa más acerca de cómo usamos datos de las quejas, o explore usted mismo nuestra Base de Datos de Quejas de Consumidores (En inglés).

    ¿Tiene problemas con algún producto o servicio financiero?

    De ser así, puede enviar una queja al CFPB. Trabajaremos para que usted obtenga una respuesta de la compañía.    

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    Cobro de deudas

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    Tener problemas de cobro de deudas puede ser estresante. Usted no tiene que enfrentarlos solo. Nuestros recursos le ayudan a entender cómo funciona y cuáles son sus derechos. 

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    Destacado

    Cinco cartas de muestra que usted puede enviar a los cobradores de deudas

    ¿Se está preguntando cómo responder a un cobrador de deudas? Nuestras cartas de muestra pueden ayudarle si usted:

    *Estas cartas no constituyen asesoramiento jurídico. Guarde siempre copias de todas las cartas que envíe.


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    Comience aquí

    +
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    + +
    +

    Lo básico

    +
    +
    +

    Porqué se comunica con usted un cobrador de deudas

    Un cobrador de deudas puede tratar de contactarle porque algún acreedor considera que usted tiene pagos vencidos en una deuda. Lea más

    Sepa lo que podría suceder si usted evade a un cobrador de deudas

    Ignorar o evadir a un cobrador de deudas no hará que éste deje de contactarle. Si usted cree que no debe la deuda, dígaselo al cobrador. Lea más

    Conozca cuáles son algunos ejemplos de prácticas “injustas” por un cobrador de deudas

    La Ley de Practicas Justas en el Cobro de Deudas (FDCPA, por sus siglas en inglés) establece que un cobrador de deudas no puede usar prácticas injustas al tratar de cobrar una deuda. Lea más

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    Tome acciones

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    Paso a paso

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    Enviar una queja

    +
    +
    +

    ¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/es/herramientas-del-consumidor/cuentas-bancarias/index.html b/www.consumerfinance.gov/es/herramientas-del-consumidor/cuentas-bancarias/index.html new file mode 100644 index 000000000000..2f72597c370e --- /dev/null +++ b/www.consumerfinance.gov/es/herramientas-del-consumidor/cuentas-bancarias/index.html @@ -0,0 +1,808 @@ + + + + + + + Cuentas y servicios bancarios | Oficina para la Protección Financiera del Consumidor + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + Saltar al contenido principal + +
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    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
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    Cuentas y servicios bancarios

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    A la hora de elegir y usar su cuenta en un banco o cooperativa de crédito, es importante que conozca cuáles opciones tiene.

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    Cómo abrir y administrar una cuenta corriente

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    Nuestras guías tienen toda la información que usted necesita para escoger y administrar una cuenta corriente donde tener su dinero seguro.

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    + Bank accounts +
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    Comience aquí

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    Lo básico

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    Lista de pasos para abrir una nueva cuenta en un banco o cooperativa de crédito

    Usted podría pensar que una cuenta corriente o de ahorros es lo que necesita.  Esta lista le ayudará a reunir la información que va a necesitar para abrir una cuenta y para entender mejor cuáles opciones tiene. Lea más

    Sepa cuándo estarán disponibles los fondos de un cheque que haya depositado

    Cada banco o cooperativa de crédito tiene sus propias reglas, acerca de cuándo podrá usted acceder al dinero después de depositar un cheque, sin embargo, las leyes federales establecen un tiempo máximo que el banco o cooperativa de crédito puede hacerle esperar. Lea más

    Entienda lo que significa tomar la opción “opt-in“ para cobertura de sobregiros (en inglés)

    Podrían cobrarle tarifas por sobregiros bancarios causados por cheques, pagos electrónicos, o transacciones con tarjetas de débito. Hay ciertos pasos que usted puede seguir para reducir o eliminar las tarifas por sobregiros asociadas a su cuenta. Lea más (en inglés) 

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    Palabras claves

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    Tome acciones

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    Paso a paso

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    Enviar una queja

    +
    +

    ¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.

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    Fraude y estafas

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    Perder dinero o propiedad a causa de estafas y fraudes puede ser devastador. Nuestros recursos pueden ayudarle a reconocer, evitar e informar sobre estafas y fraudes.

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    Estafas con nombres de funcionarios

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    En un "imposter scam" o estafa de impostor, el estafador se hace pasar por alguien de su confianza.

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    + Fraud and scams +
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    Comience aquí

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    Lo básico

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    Conozca los tipos más comunes de estafas

    Las estafas cambian constantemente. Usted puede protegerse si sabe qué buscar. Lea más

    Entienda cómo funciona el robo de identidad

    El robo de identidad ocurre cuando alguien roba su información personal o financiera para cometer un fraude. No importa cuánto se pierda, usted debe tomar medidas. Lea más

    Sepa cómo protegerse y proteger a otros contra fraudes y estafas

    Los fraudes y las estafas pueden ocurrir en cualquier momento y lugar. Es importante conocer las señales de advertencia. Lea más

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    Palabras claves

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/index.html b/www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/index.html new file mode 100644 index 000000000000..5bb99acfd33b --- /dev/null +++ b/www.consumerfinance.gov/es/herramientas-del-consumidor/hipotecas/index.html @@ -0,0 +1,847 @@ + + + + + + + Hipotecas | Oficina para la Protección Financiera del Consumidor + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + Saltar al contenido principal + +
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    + Un sitio web oficial del + gobierno federal de los Estados Unidos +
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    Hipotecas

    +
    +

    Ya sea que esté pensando en comprar vivienda, ya tenga una hipoteca, o experimente problemas para pagar su hipoteca, contamos con recursos para ayudarle en todo momento.

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    Cómo obtener una hipoteca

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    Comprando una vivienda: Herramientas y recursos para compradores

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    Ya sea que está pensando en comprar o a punto de cerrar una compra, podemos ayudarle a tomar control del proceso.

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    Mantenga su hipoteca

    Pagar su hipoteca es importante. Podemos ayudarle a entender cómo leer su estado de cuenta, dónde encontrar ayuda si tiene dificultades para pagar, y mucho más

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    +
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    +
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    ¿Tiene dificultades pagando su hipoteca?

    +

    Si tiene dificultades haciendo sus pagos, tome el control y comuníquese con su administrador hipotecario y con algún asesor de vivienda aprobado por el HUD.

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    + Mortgages +
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    Comience aquí

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    Lo básico

    +
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    Entienda su estado de cuenta mensual

    El primer paso para mantener su hipoteca es pagarla siempre a tiempo. Comprender su estado de cuenta mensual le será de gran ayuda. Lea más

    Sepa por qué podría cambiar el monto de su pago de hipoteca

    El pago de su hipoteca podría cambiar por varias razones; por ejemplo, su hipoteca tiene tasa ajustable y la tasa de interés cambia. Lea más

    Sepa qué puede hacer si tiene dificultades para pagar su hipoteca (en inglés)

    Siga estos cuatro pasos y evite el foreclosure y caer en estafas. Lea más (en inglés)

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    Palabras claves

    +
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    Tome acciones

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    Paso a paso

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    Obtenga ayuda

    +
    +

    Si tiene algún problema con su hipoteca, póngase en contacto con a un Asesor de Vivienda Aprobado por el HUD (Departamento de Vivienda y Desarrollo Urbano). Encuentre uno en su área (en inglés). También puede llamar a la línea de asistencia de HOPE™.

    Enviar una queja

    ¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.

    Enviar una queja

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    + + Saltar al contenido principal + +
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    +
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    Herramientas para el consumidor

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    Nuestras herramientas pueden ayudarle a prepararse para tomar mejores decisiones financieras.

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    Herramientas educativas que puede usar

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    Encuentre respuestas a sus preguntas

    Encuentre respuestas a las más comunes preguntas sobre finanzas, buscando por temas. Sepa lo básico, entienda las palabras claves y aprenda formas de tomar acciones cuando tenga algún problema.

    Encuentre respuestas a cientos de preguntas sobre finanzas. Obtenga respuestas

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    Guías para tomar decisiones financieras

    Nuestras guías le ayudan a entender y a lograr sus metas financieras

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    Tome acciones

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    Enviar una queja

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    ¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.

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    Sepa su puntaje de bienestar financiero

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    Nuestros investigadores prepararon 10 preguntas que, sin hacer cálculos y sin usar su información personal, le ayudará a conocer cómo están sus finanzas. Una vez las conteste, encontrará información y recursos que le ayudarán a administrar su dinero en el día a día y a largo plazo.

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    Cuéntenos su historia (en inglés)

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    Queremos saber cómo han sido sus experiencias con el dinero y los servicios financieros. Sus historias nos ayudan a entender lo que ocurre con las finanzas de la gente y así, poder servirla mejor.

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    + + Saltar al contenido principal + +
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    Informes y puntajes de crédito

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    Sus informes y puntajes de crédito impactan sus finanzas. Nuestros recursos le ayudan a entenderlos mejor, a corregir errores y a mejorar su historial de crédito.

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    Conozca sus datos

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    Hay otras compañías que también recogen su información. Tiene derecho a esos informes. Esta lista de esas compañías tiene datos que le ayudan a tomar acción.

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    Comience aquí

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    Lo básico

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    Sepa cómo obtener sus informes de crédito

    Usted debería revisar sus informes de crédito al menos una vez al año, para que se asegure de que estos no tengan errores que puedan impedirle obtener crédito o mejores condiciones en algún préstamo. Lea más

    Lo que debe buscar cuando revise sus informes de crédito

    Una vez que haya solicitado sus informes de crédito, es importante que sepa cuál tipo de información buscar cuando los revise. Lea más

    Conozca mejor las diferencias entre los puntajes y los informes de crédito

    Sus puntajes e informes de crédito son vitales para su bienestar financiero, pero juegan roles muy diferentes. Lea más

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    Enviar una queja

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    Nota: Usted debería enviar su reclamo directamente, tanto a la compañía que le envió el informe, como a la que proporcionó la información contenida en el mismo. 

    ¿Tiene problemas con algún producto o servicio financiero? Si no ha podido resolverlos con la compañía, usted puede enviarnos una queja. Díganos cuál es su problema, nosotros se lo haremos llegar a la compañía y trabajaremos con ella para obtener una respuesta para usted, generalmente, en 15 días.

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    Préstamos para automóviles

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    Cuando usted busca un nuevo préstamo de automóvil, es importante que sepa qué preguntar. Prepararse bien, le ahorra dinero, reduce su estrés y le ayuda a encontrar el préstamo que más le convenga.

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    Tome el control de su préstamo para automóvil

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    Es importante que le preste atención al costo total del préstamo y no solamente en la mensualidad. Nuestra guía le ayuda a comparar ofertas y encontrar la que más le convenga.

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    + Auto loans +
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    Comience aquí

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    Lo básico

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    Prepárese para buscar un préstamo para automóvil

    Antes de buscar un préstamo, aprenda a hacer un presupuesto, reúna la información que necesita y obtenga una preaprobación de préstamo. Lea más

    Sepa más sobre las diferentes formas de financiar un préstamo de automóvil

    Comparar ofertas de diferentes tipos de prestamistas, le ayudará a encontrar el préstamo que más le conviene. Lea más

    Sepa cómo comparar los términos de las ofertas de préstamos

    Al comparar los términos de diferentes ofertas, además de la mensualidad, hay otros factores a considerar. Lea más

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    Tome acciones

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    Paso a paso

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    Enviar una queja

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    ¿Tiene problemas con un producto o servicio financiero? Si trató de comunicarse con la compañía, pero el problema persiste, puede enviarnos una queja. Díganos su problema, nosotros se lo haremos llegar a la compañía y trabajaremos para darle una respuesta, generalmente en 15 días.

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    Tarjetas de crédito

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    Esté usted buscando una nueva tarjeta de crédito o controlando una que ya tiene, le mostramos los recursos que necesita para manejarlas.

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    Pasos para proteger su crédito durante la pandemia

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    Si tiene dificultades financieras por culpa de la pandemia del coronavirus, nosotros contamos con recursos para ayudarle a mantenerse al día con sus finanzas y proteger su crédito.

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    Comience aquí

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    Lo básico

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    Sepa cuándo las compañías pueden cambiar los términos de su tarjeta de crédito

    Por lo general, una compañía de tarjetas de crédito tiene derecho a cambiar los términos del contrato para el futuro uso de su tarjeta de crédito. Para hacer cambios significativos, como la tasa de interés o un aumento de tarifas, deben notificarle con 45 días de anticipación. Lea más.

    Entienda cómo un emisor de tarjetas de crédito calcula la tasa de interés

    La tasa de interés de una tarjeta de crédito es el costo que usted paga por pedir dinero prestado cuando la usa, y la mayoría de las compañías la calculan diariamente. Mientras más pronto pague todo o parte de su saldo, menos interés paga. Lea más.

    Conozca la diferencia entre una APR fija y una variable

    La tasa de interés de su tarjeta de crédito es presentada como “annual percentage rate”, APR, o tasa percentil anualizada. El interés puede ser fijo o variable. Con una tasa variable, su APR se ajusta según los cambios en el índice de interés. Cuando esté buscando una tarjeta de crédito, averigüe si la tasa de interés es fija o variable. Lea más.

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    Palabras clave

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    Tome acciones

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    Guías paso a paso

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    Enviar una queja

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    ¿Tiene problemas con un producto o servicio financiero? Si trató de comunicarse con la compañía, pero el problema persiste, puede enviarnos una queja. Díganos su problema, nosotros se lo haremos llegar a la compañía y trabajaremos para darle una respuesta, generalmente en 15 días.

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    Transferencias de dinero

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    Cuando envía dinero, quiere estar seguro de que llegará a su destino. Nuestros recursos le explican cuáles son sus derechos y cómo actuar si ocurre un error.

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    Conozca sus derechos cuando transfiere dinero

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    Usted cuenta con derechos federales que protegen su dinero, incluyendo normas especiales que aplican aún cuando lo envía a otro país.

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    Comience aquí

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    Lo básico

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    Conozca sus derechos cuando envía dinero al extranjero

    Cuando envían dinero al extranjero, los proveedores están por lo general obligados a entregarle a los consumidores cierta información, incluyendo las tarifas e impuestos a cobrar. Lea más

    Sepa cómo alertar a un proveedor de servicios de transferencias de un error

    Si al transferir dinero ocurre un error, puede proteger mejor sus derechos legales notificándoselo al proveedor. Lea más

    Conozca cuáles errores debe corregir el proveedor

    Un proveedor podría ser responsable de corregir un error si este ocurre. Sepa cuáles tipos de errores están cubiertos. Lea más

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    Tome acciones

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    Paso a paso

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    Enviar una queja

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    ¿Tiene problemas con un producto o servicio financiero? Si trató de comunicarse con la compañía pero el problema persiste, puede enviarnos una queja. Díganos su problema, nosotros se lo haremos llegar a la compañía y trabajaremos para darle una respuesta, generalmente en 15 días.

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    Obtener respuestas

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    Ofrecemos respuestas a cientos de preguntas sobre finanzas. Encuentre aquí la información que necesita para tomar decisiones más informadas con su dinero.

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    La Oficina para la Protección Financiera del Consumidor es una agencia del siglo 21 que implementa y hace cumplir las leyes federales en materia financiera, y que se asegura de que los mercados de productos financieros sean justos, transparentes y competitivos.

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    El liderazgo del CFPB

    Conozca la estructura del CFPB para que entienda cómo funciona.

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    Estrategia y presupuesto

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    Trabajamos para el pueblo estadounidense. Publicamos aquí nuestra estrategia y presupuesto, para que usted pueda entender cuáles son nuestras prioridades.

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    Participe en nuestro trabajo

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    Activamente buscamos oportunidades de colaboración con expertos, empresas y organizaciones para así mantener nuestras políticas al día, conocer tendencias emergentes, y construir programas efectivos que respalden nuestra misión.

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    Permanentemente buscamos gente talentosa, que quiera hacer la diferencia para los consumidores. Nos esforzamos por crear un ambiente de trabajo que les apoye y les ayude a desarrollarse.

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    Diversidad e inclusión

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    El respeto por la diversidad y la inclusión es un principio que está profundamente integrado en los valores fundamentales, tanto de nuestra propia fuerza de trabajo, como de nuestros proveedores, y que es integral en el logro de nuestra misión de proteger a todos los consumidores.

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/find-a-housing-counselor/index.html b/www.consumerfinance.gov/find-a-housing-counselor/index.html new file mode 100644 index 000000000000..06665f865615 --- /dev/null +++ b/www.consumerfinance.gov/find-a-housing-counselor/index.html @@ -0,0 +1,1496 @@ + + + + + + + + Find a Housing Counselor | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    Housing counselors near you

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    + The counseling agencies on this list are approved + by the U.S. Department of Housing and Urban + Development (HUD), and they can offer independent + advice about whether a particular set of mortgage + loan terms is a good fit based on your objectives + and circumstances, often at little or no cost to + you. This list shows you several approved agencies + in your area. You can find other approved counseling + agencies at the Consumer Financial + Protection Bureau’s (CFPB) website: + consumerfinance.gov/mortgagehelp or + by calling 1-855-411-CFPB (2372). + You can also access a list of nationwide + HUD-approved counseling agencies at: + https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm +

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    Find a housing counselor

    +

    + Housing counselors throughout the country can + provide advice on buying a home, renting, + defaults, forbearances, foreclosures, and + credit issues. This list will show you + several approved agencies in your area. + The counseling agencies on this list are + approved by the U.S. Department of Housing + and Urban Development (HUD) and they can + offer independent advice, often at little or + no cost to you. There is also a + +list of nationwide HUD-approved counseling agencies . +

    +

    + Using the search box below, you can find one + near you. Not every housing + counselor offers all services, so please + look at the list of services offered by + each agency. +

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    + This tool is powered by + +HUD's + + official list of housing counselors. +

    +

    + If you notice errors in the housing counselor data, + contact housing.counseling@hud.gov. +

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    FOIA requests

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    The Freedom of Information Act (FOIA) is a law that enables members of the public to request records from the government. The Privacy Act provides individuals a way to request access to records about them.

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    Expected timeframe

    The goal is to respond within the time frame outlined in the Freedom of Information Act, which is twenty working days or approximately one month from the receipt of the request, but our ability to meet this goal may vary with the complexity of the request. When the CFPB needs an extension of time to respond to your request it will notify you in writing and offer you the opportunity to modify or limit the scope of your request. Alternatively, you may agree to a different timetable for the processing of your request.

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    Our work

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    Follow the instructions and fill out a form to create a new request under either FOIA or the Privacy Act.

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    Fee schedule

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    There is no initial fee to make a request, but fees may apply based on the cost of fulfilling your request.

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    FOIA FAQs

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    Learn more about the process, your rights, and what to expect.

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    FOIA reports, logs, and frequently requested records

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    View our published reports, logs, and frequently requested records.

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    Act fast if you can’t pay your credit cards (in Arabic)
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    تصرف بسرعة إذا كنت لا تستطيع دفع بطاقات الائتمان الخاصة بك

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    تصرف على الفور واتصل بشركة بطاقتك الائتمانية إذا كنت تعتقد أنك غير قادر على دفع المبلغ الأدنى ببطاقتك الائتمانية.

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    قد يكون العديد من شركات بطاقات الائتمان على استعداد للمساعدة إذا كنت تواجه حالة مالية طارئة.وليس من الضروري أن تكون متخلفا عن سداد مدفوعاتك لطلب المساعدة!

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    لا تتجاهل المشكلة

    فإن ذلك قد يسبب لك فقط مشاكل أكبر، مثل:

    • معدلات فائدة أعلى
    • ارتفاع الحد الأدنى للمدفوعات
    • فقدان امتيازات الشراء على البطاقة الخاصة بك
    • دفع رسوم تأخير
    • الإضرار بدرجاتك الائتمانية

    إليك ما يجب فعله

    1. احسب دخلك ونفقاتك

    ابحث عن طرق لخفض التكاليف. إذا لم تجد ما يكفي لدفع الحد الأدنى، فقرر ما هو المبلغ الذي يمكنك دفعه.

    2. اتصل بشركة بطاقتك الائتمانيةتأكد من شرح وضعك بوضوح:

    • لماذا لا يمكنك دفع الحد الأدنى
    • كم يمكنك أن تدفع
    • متى يمكنك معاودة مدفوعاتك العادية

    3. ضع في اعتبارك الاستشارة الائتمانية

    إذا كنت بحاجة إلى المزيد من المساعدة، فيمكن لمنظمات الاستشارات الائتمانية غير الربحية أن تعلمك المزيد حول التعامل مع أموالك.

    قبل التسجيل للحصول على استشارات ائتمانية، اسأل عما إذا كان سيتم محاسبتك وما هي الخدمات التي سيتم تقديمها. وتأكد من أن مستشار الائتمان الخاص بك يأخذ الوقت الكافي للتعرف على وضعك المالي، ويعرض عليك مساعدتك في معرفة كيف يمكنك تحسينه.

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    لا توجد حلول سهلة

    تصرح بعض شركات تخفيف أعباء الديون الهادفة للربح إنها تستطيع مساعدتك في سداد ديونك "مقابل مبلغ ضيئل لا يضاهى". لكن في كثير من الأحيان، هذه الوعود غير معقولة ولا يتم الوفاء بها. فاحترس من أي منظمة لتخفيف الديون التي:

    • تطالب برسوم قبل قيامها بتسوية ديونك
    • تضمن أنها يمكنها التخلص من ديونك
    • تطلب منك التوقف عن التواصل مع المقرضين أو شركات بطاقات الائتمان
    • تطلب منك التوقف عن سداد مدفوعات بطاقة ائتمان أو قرض
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    + + Skip to main content + +
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    Auto loan key terms (in Arabic)
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    المصطلحات الرئيسية لقروض السيارات

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    القيمة النقدية الفعلية (Actual Cash Value (ACV))

    القيمة النقدية الفعلية (ACV) هي قيمة السيارة وفقاً لمصادر مستقلة معترف بها على نطاق واسع مثل الجمعية الوطنية لتجار السيارات (National Automobile Dealers Association) أو كتاب كيلي الأزرق (Kelley Blue Book) .

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    استهلاك الدين (Amortization)

    يصف الاستهلاك عملية السداد التدريجي لقرض السيارة الخاص بك. في استهلاك الدين، لكل دفعة من دفعاتك الشهرية، يتم تسديد جزء على مبلغ القرض – المبلغ الأصلي – ويتم تسديد جزء من الدفعة لدفع رسوم التمويل – الفائدة.

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    معدل الفائدة السنوية المئوية (Annual Percentage Rate (APR))

    معدل الفائدة السنوية المئوية (APR) هو التكلفة التي تدفعها كل سنة لاقتراض المال، بما في ذلك الرسوم، معبراً عنها كنسبة مئوية. إن معدل الفائدة السنوية المئوية (APR) هو مقياس أوسع للتكلفة التي تتكبدها عند اقتراض المال، حيث أنه لا يعكس سعر الفائدة فحسب، بل أيضاً الرسوم التي يتعين عليك دفعها للحصول على القرض. كلما ارتفع معدل الفائدة السنوية المئوية (APR)، كلما دفعت أكثر على مدى عمر القرض.

    إن معدل الفائدة السنوية المئوية (APR) لقرض السيارات وسعر الفائدة من بين أهم مقاييس السعر الذي تدفعه مقابل اقتراض المال. يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) من المقرضين إعطائك إفصاحات محددة حول الشروط المهمة، بما في ذلك معدل (APR)، قبل أن تكون ملزماً قانوناً بالقرض. نظراً لأنه يجب على جميع المقرضين تقديم معدل (APR)، يمكنك استخدام معدل الفائدة السنوية المئوية (APR) لمقارنة قروض السيارات. فقط تأكد من أنك تقارن معدلات الفائدة السنوية المئوية (APRs) بمعدلات فائدة سنوية مئوية (APRs) أخرى وليس بأسعار الفائدة.


    المُحال إليه (Assignee)

    المُحال إليه هو شخص أو شركة يشتري قرض السيارة الخاص بك. على سبيل المثال، يجوز لتاجر السيارات الذي يقدم الائتمان لك بيع قرضك إلى أحد البنوك، مما يجعل البنك هو المُحال إليه. أنت مدين بالأموال لمن اشترى قرضك. فالمُحال إليه له حق في سيارتك، ويمكن أن يستحوذ عليها إذا لم تدفع.

    السعر الأساسي (Base price)

    السعر الأساسي هو سعر السيارة بدون كماليات.
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    سعر الشراء (Buy rate)

    سعر الشراء هو سعر الفائدة الذي يعطيه المُقرض المحتمل إلى الوكيل عندما تتقدم بطلب للحصول على التمويل الذي يتم ترتيبه من قِبل الوكيل.

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    المُوقّع المشترك (Co-signer)

    المُوقّع المشارك هو شخص، مثل الوالد(ة) أو أحد أفراد العائلة المقربين أو صديق، يتعهد بدفع القرض إذا لم تقم أنت بدفعه. يُمكن أن يكون هذا مفيداً لك وللمُقرض. يتحمل المُوقّع المشارك كامل المسؤولية عن سداد القرض. إن وجود مُوقّع مشارك على قرضك يمنح مُقرضك ضمان إضافي بأن القرض سيتم سداده. إذا لم تسدد القرض، فسيكون المُوقّع المشارك مسؤولاً عن السداد حتى إذا لم يقم المُوقّع أبداً بقيادة السيارة. إذا طلب منك المشاركة في التوقيع على قرض، فينبغي عليك التفكير في كيفية تأثيره على أموالك.


    التأمين على الائتمان (Credit insurance)

    التأمين على الائتمان هو تأمين اختياري قد يقوم بسداد مدفوعاتك التلقائية للمُقرض الخاص بك في مواقف معينة، مثل حالة وفاتك أو إصابتك بإعاقة.  إذا كنت تفكر في الحصول على التأمين على الائتمان، فتأكد من أنك تفهم شروط البوليصة التي تُعرض عليك. إذا قررت أنك بحاجة إلى تأمين، فقد تكون هناك طرق أرخص للحصول على التغطية من شراء التأمين على الائتمان وإضافته إلى قرض السيارة الخاص بك. على سبيل المثال، قد يكون التأمين على الحياة أقل تكلفة من التأمين على الائتمان ويسمح لعائلتك بدفع النفقات الأخرى بالإضافة إلى قرضك الخاص بالسيارة.


    منتجات إلغاء الدين أو تعليقه (Debt cancellation or suspension products)

    يقدم بعض تجار السيارات وكذلك البنوك والاتحادات الائتمانية منتجات "إلغاء الدين" و "تعليق الدين" أو التأمين تحت أسماء مختلفة. وهذه المنتجات مماثلة للتأمين على الائتمان من حيث وظيفتها، ولكن الرسوم وغيرها من الميزات قد تكون مختلفة.
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    رصيد العجز (Deficiency balance)

    إذا تم استرداد السيارة وبيعها، فقد تكون مسؤولاً عن دفع الفرق بين المبلغ المتبقي في القرض (بالإضافة إلى رسوم إعادة الحيازة) وسعر البيع. ويعرف هذا باسم "رصيد العجز".

    الدفعة المقدمة (Down payment)

    الدفعة المقدمة هي دفعة أولية تسدد مقدماً مقابل التكلفة الإجمالية للسيارة. قد تكون الدفعة المقدمة نقداً أو بقيمة مقايضة سيارتك القديمة أو كليهما. كلما كبرت الدفعة المقدمة، قلت حاجتك للاقتراض. قد تؤدي الدفعة المقدمة الأكبر أيضاً إلى خفض الدفعة الشهرية وإجمالي تكلفة التمويل.

    الضمان الممتد أو عقد خدمة السيارة (Extended warranty or vehicle service contract)

    يغطي الضمان الممتد أو عقد خدمة السيارة تكاليف بعض أنواع الإصلاحات بالإضافة إلى ضمان الجهة المصنعة أو بعد انتهاءه.
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    قسم الشؤون المالية والتأمين (Finance and insurance department)

    إذا قمت بشراء سيارة من توكيل بيع السيارات، فقد يحيلك مندوب المبيعات إلى شخص في قسم الشؤون المالية والتمويل (F&I) أو مكتب الأعمال. هذا هو الجزء من التوكيل الذي يقوم بتقديم القروض والإضافات الاختيارية للعملاء بعد أن وافقوا على شراء سيارة لدى الوكيل.
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    التمويل بسعر فائدة ثابت (Fixed-rate financing)

    يعني التمويل ذو السعر الثابت أن معدل الفائدة على قرضك لا يتغير على مدار فترة القرض. مع السعر الثابت، يمكنك الاطلاع على دفعتك لكل شهر والمبلغ الإجمالي الذي ستدفعه على مدى فترة القرض. قد تفضل التمويل ذي السعر الثابت إذا كنت تبحث عن دفعة قرض لن تتغير. والتمويل ذو السعر الثابت هو أحد أنواع التمويل. وهناك نوع آخر هو التمويل ذو السعر المتغير.

    التأمين المفروض بالقوة (Force-placed insurance)

    للحصول على قرض لشراء سيارة، يجب أن يكون لديك تأمين لتغطية السيارة نفسها. إذا فشلت في الحصول على تأمين أو تركت التأمين الخاص بك ينقضي، فعادة ما يمنح العقد للمُقرض الحق في الحصول على تأمين لتغطية السيارة. يسمى هذا التأمين "التأمين المفروض بالقوة".

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    التأمين المضمون لحماية السيارة (Guaranteed Auto Protection (GAP) insurance)

    يغطي التأمين المضمون لحماية السيارة (GAP) الفرق (أو الفجوة) بين المبلغ الذي تدين به على قرض السيارة وما يدفعه التأمين في حالة سرقة السيارة أو تلفها أو خسارتها بالكامل. لست مضطراً لشراء هذا التأمين، ولكن إذا قررت أنك تريده، فقم بالتسوق للحصول عليه. قد يحدد المقرضون أسعار مختلفة لهذا المنتج.

    سعر الفائدة (Interest rate)

    سعر الفائدة على قرض السيارة هو التكلفة التي تدفعها كل عام لاقتراض الأموال معبراً عنها كنسبة مئوية. لا يشمل سعر الفائدة الرسوم المفروضة على القرض.

    إن معدل (APR) لقروض السيارات وسعر الفائدة من بين أهم مقاييس السعر الذي تدفعه مقابل اقتراض المال. يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) من المقرضين إعطائك إفصاحات محددة حول الشروط المهمة، بما في ذلك معدل الفائدة السنوية المئوية (APR)، قبل أن تكون ملزماً قانوناً بالقرض. نظراً لأنه يجب على جميع المقرضين تقديم معدل الفائدة السنوية المئوية (APR)، يمكنك استخدام معدل الفائدة السنوية المئوية (APR) لمقارنة قروض السيارات. فقط تأكد من أنك تقارن معدلات الفائدة السنوية المئوية (APRs) بمعدلات فائدة سنوية مئوية (APRs) أخرى وليس بأسعار الفائدة.

    مدة القرض أو أمده (Loan term or duration)

    هذه هي مدة قرض السيارة، ويُعبر عنها عموماً بالأشهر. إن مدة القرض الأقصر (التي تسدد فيها دفعات شهرية لأشهر أقل) ستخفض إجمالي تكلفة القرض. يمكن للقرض الأطول أن يخفض دفعتك الشهرية، ولكنك تدفع فائدة أكبر على مدى فترة القرض. كما يعرضك القرض الأطول لخطر حقوق الملكية السلبية، وهو عندما تكون مديناً للسيارة بأكثر من قيمتها الفعلية.

    نسبة القرض إلى القيمة (Loan-to-value ratio)

    نسبة القرض إلى القيمة (LTV) هي إجمالي القيمة بالدولار لقرضك مقسومة على القيمة النقدية الفعلية (ACV) لسيارتك. وعادة ما يعبر عنها كنسبة مئوية. تقلل الدفعة المقدمة نسبة القرض إلى القيمة لقرضك.
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    التحكيم الإلزامي المُلزِّم (Mandatory binding arbitration)

    من خلال توقيع عقد يتضمن شرط التحكيم الإلزامي المُلزِّم، فإنك توافق على حل أي نزاعات حول العقد أمام مُحكِّم يفصل في النزاع بدلاً من المحكمة. قد توافق أيضاً على التنازل عن حقوق أخرى، مثل قدرتك على استئناف القرار أو الانضمام إلى دعوى قضائية جماعية.

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    حوافز الشركة المصنعة (Manufacturer incentives)

    حوافز الشركة المصنعة عبارة عن صفقات خاصة، مثل التمويل بسعر فائدة 0% أو الحسومات النقدية التي ربما تكون قد شاهدتها معلن عنها للسيارات الجديدة. وغالباً ما يتم تقديمها لموديلات معينة فقط.
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    سعر التجزئة المقترح من الشركة المصنعة (Manufacturer Suggested Retail Price (MSRP))

    سعر التجزئة المقترح من الشركة المصنعة (MSRP) هو السعر الذي تقترح شركة تصنيع السيارات - الشركة المصنعة - أن يطلبه الوكيل لبيع السيارة.
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    حقوق الملكية السلبية (Negative equity)

    إذا كنت مديناً على قرض السيارة الحالي الخاص بك بأكثر من قيمة السيارة - يشار إلى ذلك الوضع بأنه "مقلوب" - عندئذ يكون لديك حقوق ملكية سلبية. بعبارة أخرى، إذا حاولت بيع سيارتك، فلن تتمكن من الحصول على ما تدين به بالفعل. على سبيل المثال، لنفترض أنك مدينة بمبلغ 10,000 دولار على قرض سيارتك وأن سيارتك الآن تساوي 8,000 دولار. وهذا يعني أن لديك حقوق ملكية سلبية بقيمة 2,000 دولار. يجب سداد هذا الرصيد السلبي إذا كنت ترغب في مقايضة سيارتك والحصول على قرض سيارة لشراء سيارة جديدة.

    قرض السيارة بدون الكشف عن السجل الائتماني أو "أشتري هنا، وأدفع هنا" (No credit check or "buy here, pay here" auto loan)

    يتم تقديم قرض السيارة "بدون الكشف عن السجل الائتماني" أو "اشتر هنا، وأدفع هنا" من قبل الوكلاء الذين يمولون عادةً قروض السيارات "داخلياً" للمقترضين الذين ليس لديهم سجل ائتماني أو سجلهم الائتماني ضعيف.
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    المبلغ الأساسي (Principal)

    المبلغ الأساسي هو المبلغ الذي وافقت في الأصل على سداده.

    بشكل عام، سيتم تطبيق أي دفعة يتم سدادها على قرض السيارة أولاً على أي رسوم مستحقة (على سبيل المثال، رسوم التأخير). بعد ذلك، سيتم تطبيق الأموال المتبقية من مدفوعاتك على أي فائدة مستحقة، بما في ذلك الفائدة المتأخرة، إن وجدت. وبعد ذلك، سيتم تطبيق بقية المبلغ على رصيد المبلغ الأساسي لقرضك.

    التسعير القائم على أساس المخاطر (Risk-based pricing)

    يحدث التسعير القائم على أساس المخاطر عندما يعرض المقرضون على مستهلكين مختلفين أسعار فائدة مختلفة أو شروط قرض أخرى، بناءً على المخاطر المقدرة المتمثلة في فشل المستهلكين في سداد قروضهم.
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    التكلفة الإجمالية (Total cost)

    هذا هو المبلغ الذي ستدفعه لشراء سيارتك، بما في ذلك المبلغ الأساسي والفائدة وأي دفعة مقدمة أو مقايضة، على مدى فترة القرض.

    إفصاح الحقيقة في الإقراض (Truth in Lending disclosure)

    يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) أن يتلقى المقترضون إفصاحات مكتوبة حول شروط ائتمانية مهمة قبل أن يلتزموا قانوناً بدفع القرض. تعرف على المزيد حول المعلومات المضمنة في الإفصاحات الخاصة بك وفقاً لقانون الحقيقة الفيدرالية في الإقراض (TILA) ومتى يجب أن تحصل عليها والقيام بمراجعتها.

    التمويل بسعر فائدة متغيّر (Variable-rate financing)

    التمويل بسعر فائدة متغيّر هو عندما يمكن أن يتغير سعر الفائدة على قرضك، بناءً على السعر الأساسي أو سعر آخر يسمى "المؤشر". ومع وجود قرض بسعر فائدة متغيّر، يتغير سعر الفائدة على القرض مع تغير سعر المؤشر، مما يعني أنه قد يرتفع أو ينخفض. نظرا لإمكانية ارتفاع معدل الفائدة، يمكن أيضاً أن ترتفع دفعتك الشهرية. وكلما طالت مدة القرض، زادت مخاطر القرض المتغيّر على المقترض، لأن هناك المزيد من الوقت لزيادة أسعار الفائدة.  التمويل ذو السعر المتغيّر هو أحد أنواع التمويل. وهناك نوع آخر هو التمويل ذو السعر المتغيّر.

    التأمين للمصلحة الفردية للبائع (Vendor's Single Interest (VSI) insurance)

    يحمي تأمين المصلحة الفردية للبائع (VSI) المُقرض، ولكن ليس أنت، في حالة تلف السيارة أو تعرضها للدمار.

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    غرفة المقاصة الآلية (ACH) (Automated Clearing House (ACH))

    إن تفويض غرفة المقاصة الآلية (ACH) هو تفويض دفع يمنح المُقرض الإذن بأخذ الأموال إلكترونياً من البنك أو الاتحاد الائتماني أو حساب البطاقة المدفوعة مسبقاً عند استحقاق الدفع. يمكنك إلغاء هذا التفويض.


    الدفع عن طريق الخصم التلقائي (Automatic debit payment)

    من خلال عمليات الخصم التلقائية، فإنك تمنح الإذن للشركة لأخذ المدفوعات مباشرة من حسابك المصرفي. يختلف هذا الأمر عن ميزة دفع الفواتير المتكرر التي يقدمها المصرف. في دفع الفواتير المتكرر، أنت تمنح الإذن للمصرف أو الاتحاد الائتماني لإرسال الدفعات إلى الشركة.


    شهادة الإيداع (CD) (Certificate of deposit (CD))

    شهادة الإيداع أو (CD) هي نوع خاص من حسابات التوفير التي تقدمها البنوك أو الاتحادات الائتمانية. يجب عليك بشكل عام الاحتفاظ بالأموال في شهادة الإيداع لفترة زمنية محددة لتجنب العقوبات.

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    تجديد شهادة الإيداع (CD) (Certificate of deposit (CD) rollover)

    يمكن أن يحدث التمديد أو التجديد في نهاية مدة شهادة الإيداع(CD) .

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    الكمبيالة تحت الطلب (Demand draft)

    تسمح الكمبيالة تحت الطلب لشخص ما بسحب الأموال من حسابك الجاري دون توقيعك.

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    تعليق الإيداع (Deposit hold)

    يُشار أحياناً إلى مقدار الوقت الذي يحتفظ فيه البنك أو الاتحاد الائتماني بالأموال التي تودعها عن طريق الشيك بفترة "تعليق الإيداع" أو "تعليق الشيك". قد توفر بعض البنوك أو الاتحادات الائتمانية الأموال بسرعة أكبر مما يتطلبه القانون، وقد يُسرّع بعضها من توفر الأموال مقابل رسوم.


    المؤتمن (Fiduciary)

    المؤتمن هو الشخص الذي يدير أموالاً أو ممتلكات لشخص آخر. عندما يتم تسميتك بصفتك مؤتمناً، فأنت ملزم بموجب القانون بإدارة أموال وممتلكات الشخص لصالحه، وليس لصالحك.


    الوصي على الممتلكات (Guardian of property)

    الوصي على الممتلكات هو شخص تسميه المحكمة لإدارة الأموال والممتلكات لشخص آخر وجدت المحكمة أنه لا يمكنه إدارة أمواله وممتلكاته بمفرده.

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    رقم تعريف دافع الضرائب الفردي (ITIN) (Individual taxpayer identification number (ITIN))

    رقم تعريف دافع الضرائب الفردي (ITIN) هو رقم تعريف تحصل عليه من دائرة الإيرادات الداخلية (مصلحة الضرائب). يتوفر رقم تعريف دافع الضرائب الفردي (ITIN) فقط لبعض الأجانب المقيمين وغير المقيمين، وزوجاتهم، والمعالين الذين لا يمكنهم الحصول على رقم الضمان الاجتماعي.


    حساب مشترك (Joint account)

    إذا كنت ترغب في تمكين صديق أو أحد أفراد العائلة من كتابة الشيكات وإجراء الودائع نيابة عنك، فقد تفكر في فتح حساب مشترك. بشكل عام، يمكن لكل شخص يكون اسمه في حساب مشترك كتابة الشيكات أو سحب الأموال أو إجراء المعاملات أو نقل الأموال أو إغلاق الحساب. وإذا كان أحد أصحاب الحسابات يدين بالمال، فإن الدائن يستطيع أن يحاول تحصيل الأموال من الحساب المصرفي المشترك.


    حساب سوق المال (Money market account)

    حساب سوق المال هو نوع خاص من الحسابات تقدمه البنوك والاتحادات الائتمانية.


    رسوم الأموال غير الكافية (NSF) (Non-sufficient funds (NSF) fees)

    قد يتم فرض رسوم (NSF) أو رسوم الأموال غير الكافية عندما لا يتم دفع الشيك أو التفويض الإلكتروني بسبب نقص الأموال في حسابك. يشار إلى هذا عادةً باسم الشيك "المرتجع" أو "المرتد".


    السحب على المكشوف (Overdraft)

    يحدث السحب على المكشوف عندما لا يكون لديك ما يكفي من المال في حسابك لتغطية المعاملة، ولكن البنك يدفع المعاملة على أية حال. يمكنك السحب على المكشوف من حسابك من خلال الشيكات ومعاملات الصراف الآلي والشراء ببطاقات الخصم ودفع الفواتير التلقائي والسحب الإلكتروني أو الشخصي.

    تقدم العديد من البنوك والاتحادات الائتمانية برامج حماية من السحب على المكشوف يقوم فيها المصرف أو الاتحاد الائتماني عموماً بدفع المعاملة ويفرض عليك رسوماً (بالإضافة إلى المطالبة بسداد مبلغ السحب على المكشوف). يمكن أيضاً تغطية السحب على المكشوف من خلال تحويل الأموال من حساب مرتبط أو بطاقة ائتمانية أو خط ائتماني.


    خط الائتمان الشخصي (Personal line of credit)

    إن خط الائتمان الشخصي هو قرض يمكنك الوصول إليه من وقت لآخر. أنت تكتب شيكات خاصة أو تطلب تحويل إلى الحساب الجاري عبر الهاتف أو عبر الإنترنت.

    مثل حساب بطاقة الائتمان، لديك حد ائتماني، وتتلقى فاتورة شهرية، وتسدد حداً أدنى للدفع على الأقل، وتدفع الفائدة على أساس رصيدك المستحق، وربما تدفع رسوماً في كل مرة تستخدم فيها الحساب.

    خطوط الائتمان الشخصية غير مضمونة، على عكس خطوط الائتمان الخاصة بملكية المنزل (HELOCs)، والتي تكون مدعومة برهن عقاري على منزلك. يتم تقديم خطوط الائتمان الشخصية من قبل البنوك والاتحادات الائتمانية وعادة ما تتطلب أن يكون لديك أيضاً حساب جارٍ مع نفس المؤسسة.


    التوكيل الرسمي (Power of attorney)

    التوكيل الرسمي (POA) هو مستند قانوني يسمح لشخص آخر بالتصرف نيابة عنك. يعد إنشاء توكيل رسمي طريقة لتعيين صانع قرار بديل وهو غير مكلف نسبياً، على الرغم من أنه قد يتطلب مساعدة من محامٍ.

    ويمكن استخدام التوكيل (POA) المالي كأداة للتخطيط للعجز في المستقبل - عدم القدرة على اتخاذ القرارات المالية بسبب، على سبيل المثال، الخرف أو إصابات الدماغ الرضية أو بعض الإعاقات الأخرى التي تؤثر على الوظيفة العقلية. عند استخدامه للتخطيط المسبق، يكون التوكيل (POA) عموماً "دائم"، مما يعني أنه يستمر في كونه فعالاً حتى إذا أصبح الشخص الذي قام بإنشائه عاجزاً. تابع القراءة لمعرفة المزيد عن التوكيل الرسمي (POA).


    المستفيد التمثيلي (Representative payee)

    تعيّن إدارة الضمان الاجتماعي (SSA) شخصاً ليكون ممثلاً للمستفيد لشخص آخر يحتاج إلى مساعدة في إدارة مدفوعات الضمان الاجتماعي أو مخصصات دخل الضمان التكميلي (SSI). يمكن لممثل المستفيد إدارة شيكات الاستحقاق التي يدفعها نظام إدارة الضمان الاجتماعي فقط. إذا كان الشخص الذي يتلقى المزايا يملك أموالاً أو ممتلكات أخرى لا يستطيع إدارتها، فيجب أن يكون لممثل المستفيد سلطة قانونية من مصدر آخر لإدارة أموال أخرى. على سبيل المثال، يمكن للمحكمة أيضاً تعيين ممثل المستفيد كحارس للممتلكات. كممثل للمستفيد من الضمان الاجتماعي، أنت مؤتمن.

    لمزيد من المعلومات حول ممثل المستفيد، اقرأ هذا الدليل حول إدارة أموال شخص آخر.


    وصية الشخص الحي القابلة للإلغاء (Revocable living trust)

    إن وصية الشخص الحي القابلة للإلغاء هي وثيقة قانونية تمنحك سلطة اتخاذ قرارات بشأن أموال شخص آخر أو ممتلكاته التي يحتفظ بها في صندوق استئماني.

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    ممثل المستفيد من الضمان الاجتماعي (Social Security representative payee)

    يتم تعيين ممثل المستفيد من قبل إدارة الضمان الاجتماعي لشخص آخر يحتاج إلى المساعدة في إدارة مدفوعات الضمان الاجتماعي أو استحقاقات دخل الضمان الاجتماعي التكميلي.

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    مؤتمن إدارة شؤون المحاربين القدماء (VA fiduciary)

    المؤتمن هو الشخص الذي يدير أموالاً أو ممتلكات لشخص آخر. وتتولى إدارة شؤون المحاربين القدامى (VA) تعيين المؤتمنين لإدارة مزايا المحاربين القدامى لصالح الأشخاص الذين لا يستطيعون إدارة الأموال بأنفسهم.

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    معدل الفائدة السنوية المئوية ((APR) Annual percentage rate)

    يعد معدل (APR)، أو معدل الفائدة السنوية المئوية، الطريقة القياسية لمقارنة تكلفة القروض. فهو يسمح لك بمقارنة تكاليف منتجات القروض على أساس "تفاح مقابل تفاح". يجب أن تكشف الشركة المصدرة لبطاقة الائتمان عن معدل الفائدة السنوية المئوية (APR) قبل قيامك بالموافقة على استخدام البطاقة.

    لحساب معدل الفائدة السنوية المئوية (APR)، تتم مقارنة سعر الفائدة والرسوم بالمبلغ الذي تقترضه وتحتسب على مدى فترة سنة واحدة. يتيح لك ذلك مقارنة تكاليف بطاقة الائتمان بقرض بأقساط لمدة ستة أشهر. وهذا هو سبب اختلاف معدلات الفائدة السنوية المئوية (APRs) غالباً عن أسعار الفائدة البسيطة.

    تحويل الرصيد (Balance transfer)

    يتيح لك تحويل الرصيد نقل رصيد مستحق من بطاقة ائتمان إلى أخرى، مقابل رسوم في بعض الأحيان. عادة ما تكون الرسوم نسبة مئوية معينة من المبلغ الذي تقوم بتحويله أو مبلغ ثابت، أيهما أكثر. تقدم العديد من شركات بطاقات الائتمان تحويلات مالية بنسبة صفر في المئة أو بفائدة منخفضة لدعوتك إلى دمج ديونك في بطاقة ائتمان واحدة. يستمر سعر الفائدة الترويجي لمعظم التحويلات المالية لفترة محدودة. بعد ذلك، قد يرتفع سعر الفائدة على بطاقة الائتمان الجديدة، مما يزيد من مبلغ دفعاتك.

    إذا تأخرت أكثر من 60 يوماً عن الدفع، فيمكن لشركة بطاقات الائتمان زيادة سعر الفائدة على كل الأرصدة، بما في ذلك الرصيد المحول.



    الرصيد الدائن (Credit balance)

    الرصيد الدائن في بيان الفواتير الخاص بك هو المبلغ الذي تدين به لك جهة إصدار البطاقة.

    تتم إضافة الأرصدة الدائنة إلى حسابك في كل مرة تقوم فيها بالدفع. كما يمكن إضافتها عند إرجاع شيء اشتريته بواسطة بطاقة ائتمان أو بسبب مكافآت كسبتها أو خطأ في فاتورة سابقة. إذا تجاوز إجمالي الأرصدة الدائنة المبلغ الذي تدين به، يظهر رصيدك الدائن في كشف الحساب.
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    معدل الفائدة الدوري اليومي (Daily periodic rate)

    تقوم بعض جهات إصدار البطاقات بحساب الفائدة على الحساب باستخدام معدل الفائدة الدوري اليومي، والذي يتم استخدامه لحساب الفائدة عن طريق ضرب المعدل في المبلغ المستحق في نهاية اليوم. ثم يضاف مبلغ الفائدة هذا إلى رصيد اليوم السابق، وهذا يعني أن الفائدة تتفاقم على أساس يومي.

    فترة السماح (Grace period)

    فترة السماح هي الفترة بين نهاية دورة الفوترة وتاريخ استحقاق الدفع. خلال هذا الوقت، قد لا يتم فرض فائدة عليك طالما أنك تدفع رصيدك بالكامل بحلول تاريخ الاستحقاق. لا يطلب من شركات بطاقات الائتمان منح فترة سماح. ومع ذلك، توفر معظم بطاقات الائتمان فترة سماح على عمليات الشراء.
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    سعر الفائدة (Interest rate)

    إن سعر فائدة بطاقة الائتمان هو السعر الذي تدفعه في مقابل اقتراض المال. بالنسبة لبطاقات الائتمان، عادةً ما يتم تحديد أسعار الفائدة كمعدل سنوي، وهذا ما يسمى معدل الفائدة السنوية المئوية (APR). في معظم البطاقات، يمكنك تجنب دفع الفائدة على المشتريات إذا دفعت رصيدك بالكامل كل شهر بحلول تاريخ الاستحقاق.

    عرض بطاقة الائتمان ذات الفحص المسبق (Prescreened credit card offer)

    يتم عرض بطاقة الائتمان ذات الفحص المسبق عندما تستخدم شركات بطاقات الائتمان معلومات من شركات تقارير الائتمان لتقديم عروض ائتمانية مؤكدة لك إذا كان سجلك الائتماني يفي بالمعايير التي حددتها شركة البطاقة.
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    الاستخدام غير المصرح به (Unauthorized use)

    بشكل عام، فإن الاستخدام غير المصرح به هو استخدام بطاقة ائتمان من قبل شخص ليس لديه الحق في استخدام البطاقة. على سبيل المثال، إذا فقدت بطاقتك وقام شخص ما بالعثور عليها واستخدامها، سيكون ذلك استخداماً غير مصرح به.

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    الاستعلام عن الائتمان (Credit inquiry)

    يشير الاستعلام إلى طلب للنظر في ملف الائتمان الخاص بك، وهو يندرج عموماً ضمن أحد النوعين.
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    غير المرئي من الناحية الائتمانية (Credit invisible)

    في عام 2015، قٌمنا بنشر تقرير خلص إلى أن 26 مليون أميركي "غير مرئيين من الناحية الائتمانية". ويشير هذا الرقم إلى أن واحداً من كل عشرة بالغين لا يملك أي تاريخ ائتماني مع إحدى الشركات الثلاث الوطنية للإبلاغ عن الائتمان. هناك 19 مليون مستهلك إضافي لديهم ملفات ائتمانية "غير قابلة للمراقبة"، مما يعني أن ملفهم ضعيف ولديهم سجل ائتماني غير كافٍ (9.9 مليون) أو لديهم ملفات قديمة ويفتقرون إلى أي سجل ائتماني حديث (9.6 مليون). وباختصار، هناك 45 مليون مستهلك قد لا يحصلون على الائتمان لأنهم لا يملكون سجلات ائتمانية يمكن تقييمها. فالأشخاص الذين يعتبرون غير مرئيين من الناحية الائتمانية أو ملفاتهم الائتمانية غير قابلة للمراقبة بشكل عام لا يتمتعون بإمكانية الوصول إلى ائتمان جيد وقد يواجهون مجموعة من المشكلات، من محاولة الحصول على الائتمان إلى استئجار شقة.

    خدمة مراقبة الائتمان (Credit monitoring service)

    خدمة مراقبة الائتمان هي خدمة تجارية تفرض عليك رسوماً لمراقبة تقارير الائتمان الخاصة بك وتنبيهك بالتغييرات التي تطرأ على الحسابات المدرجة في تقرير الائتمان الخاص بك.
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    تقرير الائتمان (Credit report)

    تقرير الائتمان عبارة عن بيان يحتوي على معلومات حول نشاطك الائتماني وحالة الائتمان الحالية مثل تاريخ تسديد القرض وحالة حسابات الائتمان الخاصة بك.

    شركة إعداد التقارير الائتمانية (Credit reporting company)

    شركات إعداد التقارير الائتمانية، والمعروفة أيضاً باسم مكاتب الائتمان أو وكالات الإبلاغ عن تقارير المستهلك، هي شركات تقوم بتجميع تقارير الائتمان وبيعها.

    درجة الائتمان (Credit score)

    تتنبأ درجة الائتمان بمدى احتمالية سداد القرض في الوقت المحدد. تستخدم الشركات صيغة رياضية - تسمى نموذج التسجيل - لإنشاء درجة الائتمان الخاصة بك من المعلومات الواردة في تقرير الائتمان الخاص بك. من المهم أن تعرف أنه ليس لديك درجة ائتمان "واحدة" فقط وأن هناك العديد من درجات الائتمان المتاحة لك وكذلك للمقرضين. تعتمد أي درجة ائتمانية على البيانات المستخدمة لحسابها، وقد تختلف اعتماداً على نموذج التسجيل، ومصدر سجل الائتمان الخاص بك، ونوع منتج القرض، وحتى اليوم الذي تم فيه حسابه.

    قانون الإبلاغ العادل عن الائتمان (Fair Credit Reporting Act)

    ويعمل القانون الفيدرالي للإبلاغ العادل عن الائتمان (FCRA) على تعزيز دقة المعلومات وعدالتها وخصوصيتها في ملفات وكالات الإبلاغ عن تقارير المستهلكين. هناك العديد من أنواع وكالات الإبلاغ عن تقارير المستهلكين، بما في ذلك مكاتب الائتمان والوكالات المتخصصة (مثل الوكالات التي تبيع معلومات عن سجلات كتابة الشيكات والسجلات الطبية وسجلات تاريخ الإيجار). تعرف على المزيد عن حقوقك الرئيسية في إطار القانون الفيدرالي للإبلاغ العادل عن الائتمان (FCRA).


    درجة FICO score) FICO)

    إن درجة FICO® هي علامة تجارية معينة من درجة الائتمان.

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    تنبيه الاحتيال (Fraud alert)

    يتطلب تنبيه الاحتيال من الدائنين الذين يقومون بفحص تقرير الائتمان الخاص بك اتخاذ خطوات للتحقق من هويتك قبل فتح حساب جديد أو إصدار بطاقة إضافية أو زيادة حد الائتمان على حساب موجود بناءً على طلب المستهلك. عندما تضع تنبيها بشأن الاحتيال في تقرير الائتمان الخاص بك لدى إحدى شركات الإبلاغ عن تقارير الائتمان على المستوى الوطني، يجب على هذه الشركة أن تخطر الشركات الأخرى بذلك. هناك نوعان رئيسيان من تنبيهات الاحتيال: تنبيهات الاحتيال الأولية والتنبيهات الموسعة.



    مراقبة الهوية أو الحماية من سرقة الهوية (Identity monitoring or identity theft protection)

    تراقب خدمات سرقة الهوية معلومات التعريف الشخصية في طلبات الائتمان والسجلات العامة ومواقع الويب وغيرها من الأماكن لأي نشاط غير اعتيادي قد يظهر علامات على سرقة الهوية.

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    سرقة الهوية (Identity theft)

    تحدث سرقة الهوية عندما يسرق شخص هويتك الشخصية لارتكاب عملية احتيال. قد يعني سرقة هويتك استخدام معلومات شخصية من دون إذنك، مثل:

    • اسمك
    • رقم الضمان الاجتماعي
    • رقم بطاقة الائتمان


    تنبيه الخدمة العسكرية النشطة (Military active duty alert)

    يمكن لأفراد القوات المسلحة (مثل أفراد المارينز والجيش والبحرية والقوات الجوية وخفر السواحل) أن يطلبوا تنبيه الخدمة العسكرية النشطة. عندما تضع تنبيها حول نشاطك في الخدمة العسكرية على تقرير الائتمان الخاص بك، يجب على الدائنين اتخاذ خطوات معقولة للتأكد من أنك الشخص الذي يقدم الطلب بالفعل قبل فتح حساب، أو إصدار بطاقة ائتمان إضافية على حساب موجود، أو زيادة حد الائتمان على حسابك الحالي. تستمر تنبيهات الخدمة العسكرية النشطة لمدة 12 شهراً. ستتم إزالة اسمك أيضاً من قوائم التسويق للفحص المسبق لشركات إعداد التقارير الائتمانية على المستوى الوطني لعروض الائتمان والتأمين لمدة عامين.


    التحصيل المدفوع (Paid collection)

    التحصيل المدفوع هو حساب دخل في مرحلة التحصيل لأنه فات موعد استحقاقه ثم تم دفعه.
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    التجميد الأمني

    يمنع "التجميد الأمني" لتقرير الائتمان الدائنين الجدد من الوصول إلى ملف الائتمان الخاص بك والآخرين من فتح حسابات باسمك حتى تقوم برفع التجميد. نظراً لأن معظم الشركات لن تفتح حسابات ائتمانية دون التحقق من تقرير الائتمان الخاص بك، فإن التجميد يمكن أن يمنع لصوص الهوية من فتح حسابات جديدة باسمك.


    شركات إعداد تقارير المستهلك المتخصصة (Specialty consumer reporting company)

    تقوم شركات إعداد تقارير المستهلك المتخصصة بجمع وتبادل المعلومات حول تاريخ التوظيف الخاص بك، وسجل المعاملات مع الأعمال التجارية أو تاريخ السداد لمنتج أو خدمة معينة.


    تقرير فحص المستأجر (Tenant screening report)

    تقرير يستخدمه الملاك للمساعدة في اتخاذ القرارات بشأن المستأجرين المحتملين. قد يحتوي تقرير فحص المستأجر على معلومات من مصادر عديدة بما في ذلك سجل الإيجار وتقارير الائتمان.

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    ملف الائتمان الرقيق/ عدم وجود ملف ائتمان (Thin credit file / No credit file)

    يعني ملف الائتمان الرقيق أو عدم وجود ملف ائتمان أن الشخص ليس لديه سجل ائتماني أو ليس لديه سجل ائتماني حالي كافٍ لإنتاج درجة ائتمانية. انظر:غير المرئي من الناحية الائتمانية

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    مستشار ائتماني (Credit counselor)

    يمكن أن يساعد المستشارون الائتمانيون فيما يلي:

    • تقديم النصح لك بشأن إدارة أموالك وديونك
    • مساعدتك في وضع ميزانية
    • وهم في الغالب يقومون بتوفير مواد تعليمية وورش عمل مجانية

    وعادة ما يكون المستشارون الائتمانيون حاصلين على شهادات ومدربين في مجالات الائتمان الاستهلاكي وإدارة الأموال والديون والميزانية. يناقش المستشارون وضعك المالي بالكامل معك ويساعدون في وضع خطة مخصصة لحل مشاكلك المالية.

    قاعدة تحصيل الديون (Debt collection rule)

    أصدر مكتب الحماية المالية للمستهلكين (CFPB) "قواعد" سارية اعتباراً من 30 نوفمبر/ تشرين الثاني، 2021 توضح وتفسر القانون الفيدرالي لممارسات التحصيل العادل للديون (FDCPA).
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    مُحصّل الديون (Debt collector)

    بموجب القانون الفيدرالي لممارسات التحصيل العادل للديون، يكون مُحصّل الديون عموماً شخصاً أو شركة تقوم بتحصيل الديون المستحقة للآخرين بانتظام، وعادةً عندما تكون هذه الديون متأخرة السداد.

    ويشمل محصلو الديون وكالات التحصيل أو المحامين الذين يحصلّون الديون كجزء من أعمالهم. هناك أيضاً شركات تشتري الديون المتأخرة من الدائنين أو الشركات الأخرى ثم تحاول تحصيلها. ويطلق على محصلي الديون هؤلاء أيضاً وكالات تحصيل الديون، أو شركات تحصيل الديون، أو مشتري الديون.


    خدمات تسوية (تخفيف) الديون (Debt settlement (relief) services)

    إن شركات تسوية الديون هي شركات تزعم أنها قادرة على إعادة التفاوض أو التسوية أو تغيير شروط ديون الشخص إلى دائن أو مُحصّل ديون. إن التعامل مع شركات تسوية الديون قد يكون محفوفاً بالمخاطر. اقرأ المزيد (باللغة الإنكليزية)

    قانون ممارسات التحصيل العادل للديون ((FDCPA) Fair Debt Collection Practices Act)

    قانون ممارسات التحصيل العادل للديون (FDCPA) هو القانون الفيدرالي الرئيسي الذي يحكم ممارسات تحصيل الديون. يحظر قانون ممارسات التحصيل العادل للديون (FDCPA) على شركات تحصيل الديون استخدام ممارسات مسيئة أو غير عادلة أو مخادعة لجمع الديون منك. اقرأ المزيد من المعلومات حول حقوقك في إطار قانون ممارسات التحصيل العادل للديون (FDCPA).

    حجز مال المدين لدى الغير (Garnishment)

    يحدث الحجز على المرتب أو الحساب المصرفي عندما يأخذ الدائن جزءاً من راتبك أو أموالك من حسابك المصرفي لتحصيل المال الذي تدين به. وتتطلب عمليات حجز مال المدين لدى الغير عموماً أمراً قضائياً يصدر عن حكم قضائي. ولكن بعض الديون المستحقة للحكومة قد تؤدي أيضاً إلى الحجز، حتى بدون حكم.

    قوانين الولاية والقوانين الفيدرالية لها حدود أو "إعفاءات" تنطبق على عملية الحجز على الحساب المصرفي والأجور، عادةً للتأكد من أن لديك شيئاً ما تبقى لتعيش عليه. كما يعد انتهاكاً لقانون ممارسات التحصيل العادل للديون (FDCPA) أن يهدد مُحصّل الديون بالحجز على راتبك إذا لم يكن من الممكن حجز راتبك بشكل قانوني.

    المضايقة من قِبل مُحصّل الديون (Harassment by a debt collector)

    يقول قانون ممارسات التحصيل العادل للديون (FDCPA) أن محصلي الديون لا يستطيعون مضايقتك أو قمعك أو إساءة معاملتك أنت أو أي شخص آخر يتصلون به.

    ومن الممكن أن تأتي المضايقات من قبل مُحصّل الديون بأشكال مختلفة. تشمل الأمثلة المكالمات الهاتفية المتكررة التي تهدف إلى إزعاجك، أو إساءة معاملتك أو مضايقتك أنت أو أي شخص يرد على الهاتف؛ واستخدام لغة بذيئة أو مهينة؛ والتهديدات بالعنف أو الأذى؛ ونشر قوائم بالأشخاص الذين يرفضون سداد ديونهم (لا يشمل ذلك الإبلاغ عن المعلومات إلى شركة إعداد تقارير الائتمان)؛ والاتصال بك دون إخبارك من هُم.


    الحُكم (Judgement)

    الحُكم هو نتيجة رسمية لدعوى قضائية في المحكمة. في دعاوى تحصيل الديون، يجوز للقاضي أن يمنح الدائن أو مُحصّل الديون حكماً ضدك. إذا لم ترد على شكوى قانونية، فستفقد فرصتك للدفاع عن نفسك وقد تجد أن حُكماً قد صدر ضدك.

    إذا قام شخص ما بمقاضاتك، أو إذا حصل شخص ما على حكم ضدك ولم تكن متأكداً مما يجب عليك القيام به، فتحدث إلى محامٍ. قد يقدم بعض المحامين خدمات مجانية أو يتقاضون رسوماً مخفضة. قد تكون هناك أيضاً مكاتب للمساعدة القانونية أو عيادات قانونية في منطقتك تقدم خدماتها مجاناً إذا استوفيت معايير معينة. يجب على أفراد القوات المسلحة في الخدمة استشارة المكتب المحلي للوكيل العام القاضي (JAG) .


    رسالة ذات محتوى محدود (Limited-Content Message)

    بموجب قاعدة تحصيل الديون، هذه رسالة بريد صوتي إلى المستهلك يجب أن تحتوي على بعض المعلومات المطلوبة وقد تحتوي على محتوى اختياري آخر.
    اقرأ المزيد (باللغة الإنكليزية)

    الدائن الأصلي (Original creditor)

    بشكل عام، الدائن الأصلي هو الشركة التي قدمت لك القرض أو الائتمان. قد يحاول الدائن الأصلي تحصيل حساب ائتمان متأخر السداد بنفسه، أو قد يستأجر محصلاً للديون. ويجوز للدائن الأصلي أيضاً أن يبيع حسابك الائتماني إلى مُحصّل للديون. ويكون مًحصل الديون بوجه عام طرفاً ثالثاً تم التعاقد معه خصيصاً لتحصيل حسابك، أو شخصاً اشتراه من الدائن الأصلي أو من جهة أخرى تقوم بتحصيل الديون أو من مشتري للديون.

    قانون التقادم (Statute of limitations)

    قانون التقادم هو الفترة الزمنية المحدودة التي يتعين على الدائنين أو محصلي الديون القيام فيها برفع دعوى قضائية لاسترداد الديون. تقع معظم قوانين التقادم في نطاق ثلاث إلى ست سنوات، على الرغم من أنها قد تمتد ف

    ي بعض الولايات القضائية لفترة أطول. قد تختلف قوانين التقادم وفقاً لقوانين الولاية أو نوع الدين الذي لديك أو قانون الولاية المذكور في اتفاقية الائتمان الخاصة بك.

    إشعار التحقق (Validation notice)

    مطلوب من محصل الديون تقديم معلومات معينة عندما يتواصل لأول مرة مع المستهلك، أو بعد فترة وجيزة. عندما يقدم مُحصّل الديون هذه المعلومات المطلوبة إلكترونياً أو كتابياً، يسمى هذا إشعار التحقق.

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    Fraud and scams key terms (in Arabic)
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    المصطلحات الرئيسية لعمليات الاحتيال والغش

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    الاستغلال المالي لكبار السن (Elder financial exploitation)

    الاستغلال المالي لكبار السن هو الاستخدام غير القانوني أو غير المناسب لأموال أو ممتلكات أو أصول كبار السن. وهو الشكل الأكثر شيوعًا لإيذاء كبار السن، ولكن يتم الإبلاغ عن نسبة قليلة فقط من الحوادث.

    يمكن أن يكون الجناة غرباء يكتسبون ثقة كبار السن، ولكن يمكن أن يكونوا أيضًا أفرادًا من العائلة أو الأصدقاء. من المهم معرفة الإشارات التحذيرية. اقرأ المزيد (باللغة الإنكليزية)

    عمليات الاحتيال المتعلقة بالإعفاء من الحجز على الرهن العقاري (Foreclosure relief scam)

    إن عمليات الاحتيال المتعلقة بالإعفاء من الحجز على الرهن العقاري وتعديل قروض الرهن العقاري هي مخططات لأخذ أموالك أو منزلك - غالبًا عن طريق تقديم وعد كاذب بإنقاذك من الحجز على الرهن العقاري. قد يطلب هؤلاء المحتالون المال مقدمًا ويدعون أنه يمكنك تغيير شروط الرهن العقاري الخاصة بك. إذا كنت تواجه مشكلة في سداد مدفوعات الرهن العقاري، فيمكن لوكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية المدنية الأمريكية (HUD) إرشادك إلى الخيارات المتاحة أمامك مجانًا.

    التنبيه من حالات الاحتيال للوقاية (Fraud alert for prevention)

    التنبيه من حالات الاحتيال هو شيء يمكنك استخدامه لتقليل احتمالية تعرضك لسرقة هوية حساب جديد. يتطلب من الدائنين الذين يقومون بفحص تقرير الائتمان الخاص بك اتخاذ خطوات للتحقق من هويتك قبل فتح حساب جديد أو إصدار بطاقة إضافية أو زيادة حد الائتمان على حساب موجود. عندما تضع تنبيهًا بالاحتيال على تقرير الائتمان الخاص بك في إحدى شركات التقارير الائتمانية على مستوى الدولة، يجب على الشركة إخطار الآخرين.

    هناك نوعان رئيسيان من تنبيهات الاحتيال: تنبيهات الاحتيال الأولية والتنبيهات الموسعة. أعضاء الجيش لديهم خيار إضافي متاح لهم - تنبيهات الخدمة الفعلية، والتي توفر الحماية لأفراد الخدمة أثناء وجودهم في الخدمة الفعلية. اقرأ المزيد (باللغة الإنكليزية).

    الاحتيال من قبل الوكلاء الائتمانيين (Fraud by fiduciaries)

    الوكيل الائتماني هو الشخص الذي يدير أموال أو ممتلكات شخص آخر. على سبيل المثال، الوكلاء بموجب توكيل رسمي والأوصياء الذين تعينهم المحكمة هم الوكلاء الائتمانيون.

    عندما يتم تسميتك بصفتك وكيلًا ائتمانيًا، فأنت ملزم بموجب القانون بإدارة أموال وممتلكات الشخص لصالحه، وليس لصالحك. عندما ينفق الوكيل الائتماني المال لمصلحته الخاصة، فقد يكون ذلك احتيالًا.

    سرقة الهوية (Identity theft)

    تحدث سرقة الهوية عندما يسرق شخص ما هويتك لارتكاب عملية احتيال.

    قد تعني سرقة هويتك استخدام المعلومات الشخصية دون إذنك، مثل اسمك أو رقم الضمان الاجتماعي أو معلومات الحساب المصرفي أو رقم بطاقة الائتمان. تقدم لجنة التجارة الفيدرالية معلومات حول منع سرقة الهوية والتحقق فيها.

    عمليات احتيال منتحلي الشخصية (Imposter scams)

    يحاول المحتالون منتحلو الشخصية إقناعك بإرسال الأموال من خلال التظاهر بأنهم أشخاص تعرفهم أو تثق بهم مثل ضابط أمن المنطقة أو موظف حكومي محلي أو تابع للولاية أو فيدرالي أو منظمة خيرية. تذكر أنه يمكن تزوير معرف المتصل. يمكنك دائمًا الاتصال بالمنظمة أو الوكالة الحكومية والسؤال عما إذا كان الشخص يعمل لديهم قبل تقديم أي أموال.

    الاحتيال عبر البريد (Mail fraud)

    تبدو رسائل الاحتيال عبر البريد حقيقية لكن الوعود وهمية. الإشارات التحذيرية الشائعة هي رسالة تطلب منك إرسال أموال أو معلومات شخصية الآن للحصول على شيء ذي قيمة بعد إرسال الأموال أو المعلومات.

    التصيد الاحتيالي (Phishing)

    في التصيد الاحتيالي، ينتحل المحتال شخصية شركة أو شخصًا لخداعك لتزويدهم بمعلوماتك الشخصية، مثل كلمات المرور أو أرقام بطاقات الائتمان أو معلومات الحساب المصرفي. قد يستخدم المحتال رسائل بريد إلكتروني أو رسائل نصية أو مواقع إلكترونية احتيالية لسرقة هذه المعلومات منك. قد تبدو رسائل البريد الإلكتروني أصلية.

    التجميد لأسباب أمنية للوقاية (Security freeze for prevention)

    يمنع التجميد لأسباب أمنية الدائنين الجدد من الوصول إلى ملف الائتمان الخاص بك والآخرين من فتح الحسابات التي تتطلب فحصًا ائتمانيًا باسمك، حتى ترفع التجميد.

    نظرًا لأن معظم الشركات لن تفتح حسابات ائتمانية دون التحقق من تقرير الائتمان الخاص بك، فإن التجميد يمكن أن يمنع سارقي الهوية من فتح حسابات جديدة باسمك. ضع في اعتبارك أن التجميد لا يمنع سارقي الهوية من الاستيلاء على الحسابات الحالية. اقرأ المزيد (باللغة الإنكليزية).

    الانتحال (Spoofing)

    يحدث الانتحال عندما يخفي المتصل المعلومات المعروضة في معرف المتصل الخاص بك. وهذا يعطي المتصل القدرة على إخفاء أو "انتحال" الاسم و / أو الرقم للظهور كما لو كانوا يتصلون بصفتهم شخص معين من مكان معين.

    الاحتيال عبر التحويل الإلكتروني أو تحويل الأموال (Wire or money transfer fraud)

    يخدعك بعض المحتالين حتى تقوم بالتحويل الإلكتروني أو تحويل الأموال لسرقتها منك. أحد الأمثلة الشائعة على الاحتيال عبر التحويل الإلكتروني هو "الاحتيال على الأجداد". يحدث هذا عندما يتصل المحتال الذي يتظاهر بأنه حفيد أو صديق للحفيد ويقول إنه في بلد أجنبي، أو في مشكلة ما، ويحتاج إلى أموال عبر التحويل الإلكتروني أو مرسلة على الفور.

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    How to avoid foreclosure (in Arabic)
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    كيفية تجنب الحجز على الرهن العقاري

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    أهم شيء يمكنك القيام به عندما تواجه مشكلة في سداد الرهن العقاري هو أخذ زمام الأمور. في معظم الحالات، فإن أسوأ شيء يمكنك فعله هو لا شيء. والأخذ بزمام الأمور يعني اتخاذ أربع خطوات:

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    1. إجراء أو تلقي مكالمة هاتفية للحصول على المساعدة

    خذ زمام الأمور عن طريق قبول مكالمات من محصّل أقساط الرهن العقاري الخاص بك. والأفضل من ذلك، اتصل بمحصّل أقساط الرهن العقاري بمجرد أن عرفت أنه لا يمكنك سداد دفعتك الشهرية. ورقم الهاتف موجود في فاتورتك الشهرية. وأخبر محصّل الأقساط الرهن العقاري الخاص بك عن سبب عدم قدرتك على سداد مدفوعاتك الشهرية واطلب منه  المساعدة في تجنب الحجز على الرهن العقاري.

    2. طلب مساعدة الخبراء المجانية

    قد يكون محصّل أقساط الرهن العقاري الخاص بك قادرًا على المساعدة إذا واجهتك مشكلة في سداد مدفوعات القرض. إذا لم تتمكن من الحصول على ما تحتاجه من محصّل الأقساط، فاطلب مساعدة الخبراء من وكالات الاستشارة السكنية القريبة منك. يمكن للمستشارين وضع خطة عمل مخصصة ومساعدتك في العمل مع شركة الرهن العقاري التي تتعامل معها. تفضل بزيارة consumerfinance.gov/mortgagehelp (قراءة باللغة الإنجليزية) أو اتصل هاتفيا على الرقم (800) 569-4287 وأدخل الرمز البريدي الخاص بك، للعثور على مستشار إسكان معتمد من وزارة الإسكان والتنمية الحضرية (HUD).

    3. توخي الحذر من عمليات الاحتيال

    يحاول المحتالون الاستفادة من مالكي المنازل الذين يواجهون مشاكل عن طريق تحصيل الكثير من المال - تصل إلى آلاف الدولارات - مقابل وعود كاذبة بالمساعدة. لا يجب أن تدفع لأي شخص لمساعدتك في تجنب الحجز على الرهن العقاري. قد تكون المساعدة التي تحتاجها متاحة لك مجانًا من محصّل أقساط الرهن العقاري الخاص بك، أو من خلال إحدى الوكالات الاستشارية المتخصصة في الإسكان والمعتمدة من وزارة الإسكان والتنمية الحضرية (HUD).

    4. طلب المساعدة

    يجب على محصّل أقساط القرض المتعامل معك أن يتصل بك ويزودك بمعلومات دقيقة ويخبرك بخيارات تخفيف الخسارة التي قد تكون مؤهلاً لها. ويشير تخفيف الخسارة إلى الطرق التي يمكن أن يعمل معك محصّل أقساط القرض  لتجنب الحجز على الرهن العقاري. إذا أرسلت طلبًا كاملاً إلى محصّل أقساط الرهن العقاري الخاص بك في وقت مبكر بما يكفي، فسيكون على محصّل أقساط الرهن العقاري أن يخبرك بالخيارات المتاحة أمامك للاحتفاظ بمنزلك، أو مغادرة منزلك إذا كان ذلك أكثر منطقية.

    يتمتع مستشارو الإسكان بخبرة كبيرة في مساعدة الناس على تجنب الحجز على الرهن العقاري. يمكنهم مساعدتك في الخطوات المعقدة لفهم خياراتك والتقدم بطلب للحصول على المساعدة.

    لا يمكن لمحصّل أقساط الرهن العقاري تقديم إشعار أولي أو طلب حجز على الرهن العقاري إلا بعد أن تتأخر أكثر من 120 يومًا عن سداد مدفوعاتك. بالإضافة إلى ذلك، عند تقديم طلب كامل للحصول على المساعدة في الرهن العقاري في وقت مبكر بما يكفي، لا يمكن لمحصّل أقساط الرهن العقاري البدء في إجراءات الحجز على الرهن العقاري أثناء تقييمك أو إذا كنت تتابع متطلبات تعديل القرض. لذا أنجز الأمر ولا تتأخر. كلما أكملت تقديم الطلب مبكرًا، كلما زادت إجراءات الحماية التي تحصل عليها.

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    كيفية اكتشاف عملية احتيالية للحجز على الرهن العقاري

    قد يخبرك منفذو العمليات الاحتيالية للحجز على الرهن العقاري بأنهم سينقذون منزلك من الحجز على الرهن العقاري، في حين أنهم في الحقيقة يأخذون أموالك فقط.

    انتبه لعلامات التحذير من الاحتيال الآتية:

    • يُطلب منك الدفع مقدمًا للحصول على المساعدة.
    • تضمن الشركة أنها ستغير شروط الرهن العقاري الخاص بك.
    • تضمن الشركة أنك لن تفقد منزلك.
    • يُطلب منك التوقيع على نقل ملكية منزلك أو التوقيع على مستندات أخرى لا تفهمها.
    • يتم توجيهك لإرسال مدفوعاتك إلى شخص آخر بخلاف شركة الرهن العقاري أو محصّل أقساط الرهن العقاري المتعامل معك.
    • تعرض الشركة إجراء "تدقيق شرعي للحسابات".
    • يُطلب منك التوقف عن سداد أقساط الرهن العقاري الخاص بك.
    • تذكر الشركة أنها تابعة للحكومة، أو تستخدم شعارًا يشبه ختم الحكومة ولكنه مختلف قليلاً.
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    تقديم شكوى بخصوص منتج أو خدمة مالية

    نرسل كل أسبوع أكثر من 10,000 شكوى حول المنتجات والخدمات المالية إلى الشركات للرد عليها. إذا كانت هناك وكالة أخرى قادرة على تقديم المساعدة بشكل أفضل، فسنرسلها إليهم ونعلمك بذلك. ومعظم الشركات تردّ في غضون 15 يومًا.

    • عبر الإنترنت (قراءة باللغة الإنجليزية) (باللغة الإنجليزية)
    • أو عن طريق الهاتف على الرقم (855) 411-2372 للمساعدة باللغة الإنجليزية، و 180 لغة أخرى. يتم الرد على المكالمات عادةً في أقل من دقيقة واحدة. وستتم ترجمة شكواك إلى اللغة الإنجليزية وإرسالها إلى الشركة للرد عليها. عندما ترد الشركة، فإنها ترد عادةً باللغة الإنجليزية، ولكن يمكنك الاتصال بنا لسماع رد مترجم.
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    Mortgages key terms (in Arabic)
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    المصطلحات الرئيسية للرهون العقارية

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    رهن عقاري قابل للتعديل 5/1 (5/1 Adjustable Rate Mortgage)

    الرهن العقاري القابل للتعديل 5/1 (ARM) أو الرهن العقاري القابل للتعديل لمدة 5 سنوات هو قرض عقاري حيث "5" هو عدد السنوات التي سيبقى فيها سعر الفائدة الأولي ثابتًا. يمثل "1" عدد المرات التي سيتم فيها تعديل سعر الفائدة بعد انتهاء فترة الخمس سنوات الأولى. أكثر الفترات الثابتة شيوعًا هي 3 و 5 و 7 و 10 سنوات و "1" هي فترة التعديل الأكثر شيوعًا. من المهم قراءة العقد بعناية وطرح الأسئلة إذا كنت تفكر في الرهن العقاري القابل

    تعرف على المزيد حول كيفية تغيير الأسعار القابلة للتعديل.



    قاعدة القدرة على السداد (Ability-to-repay rule)

    قاعدة القدرة على السداد هي القرار المعقول وحسن النية المطلوب من معظم مقرضي الرهن العقاري للتأكد من قدرتك على سداد القرض.
    اقرأ المزيد (باللغة الإنكليزية)

    الرهن العقاري القابل للتعديل (ARM) (Adjustable Rate Mortgage - ARM)

    الرهن العقاري القابل للتعديل (ARM) هو نوع من القروض التي يمكن أن يتغير سعر الفائدة عليها، عادةً فيما يتعلق بمعدل فائدة المؤشر. سترتفع دفعاتك الشهرية أو تنخفض اعتمادًا على الفترة التمهيدية للقرض، والحد الأقصى لأسعار الفائدة، ومعدل الفائدة على المؤشر. مع الرهن العقاري القابل للتعديل، قد يبدأ معدل الفائدة والدفع الشهري أقل من الرهن العقاري ذي السعر الثابت، ولكن قد يزيد كل من معدل الفائدة والدفع الشهري بشكل كبير.

    تعرف على المزيد حول كيفية عمل الرهن العقاري القابل للتعديل وما يجب مراعاته. 



    استهلاك القروض (Amortization)

    يعني الاستهلاك سداد القرض بدفعات منتظمة بمرور الوقت، بحيث يتناقص المبلغ المستحق عليك مع كل دفعة. يتم استهلاك معظم قروض الإسكان، لكن بعض قروض الرهن العقاري لا يتم استهلاكها بالكامل، مما يعني أنك ستظل مدينًا بالمال بعد سداد جميع مدفوعاتك.

    تسمح بعض قروض الإسكان بمدفوعات تغطي فقط مبلغ الفائدة المستحقة، أو مبلغ أقل من الفائدة المستحقة. إذا كانت المدفوعات أقل من مبلغ الفائدة المستحقة كل شهر، فسوف يزيد رصيد حساب الرهن العقاري بدلاً من أن ينقص. وهذا ما يسمى بالاستهلاك السلبي. قد تتطلب برامج القروض الأخرى التي لا يتم استهلاكها بالكامل أثناء القرض دفعة كبيرة "بالوني" في نهاية مدة القرض. تأكد من أنك تعرف نوع القرض الذي تحصل عليه.

    تعرف على المزيد حول عملية شراء المنزل.



    المبلغ الممول (Amount financed)

    هذا يعني مبلغ المال الذي تقترضه من المُقرض، مطروحًا منه معظم الرسوم المسبقة التي يفرضها عليك المُقرض.
    اقرأ المزيد (باللغة الإنكليزية)

    الدخل السنوي (Annual income)

    الدخل السنوي هو عامل في طلب قرض الرهن العقاري ويشير عمومًا إلى إجمالي الدخل المكتسب قبل الضريبة على مدار عام. قد يشمل الدخل السنوي الدخل من العمل بدوام كامل أو بدوام جزئي، أو العمل الحر، أو الإكراميات، أو العمولات، أو العمل الإضافي، أو المكافآت، أو مصادر أخرى. سوف يستخدم المُقرض معلومات حول دخلك السنوي وديونك الشهرية الحالية لتحديد ما إذا كان لديك القدرة على سداد القرض.

    يعتمد غالبًا ما إذا كان المقرض سيعتمد على مصدر دخل أو مبلغ معين عند دراسة حصولك على قرض على ما إذا كان يمكنك توقع استمرار الدخل بشكل معقول.

    تعرف على المزيد حول سبب أهمية قدرتك على السداد للمقرضين.



    معدل الفائدة السنوية المئوية (APR) (Annual Percentage Rate - APR)

    معدل الفائدة السنوية المئوية (APR) هو مقياس أوسع لتكلفة اقتراض الأموال من معدل الفائدة. يعكس معدل الفائدة السنوية معدل الفائدة وأي نقاط ورسوم سمسرة الرهن العقاري والرسوم الأخرى التي تدفعها للحصول على القرض. لهذا السبب، عادةً ما يكون معدل الفائدة السنوية الخاص بك أعلى من معدل الفائدة الخاص بك.

    تعلم كيفية مقارنة معدلات النسبة السنوية



    رسوم التقييم (Appraisal fee)

    رسوم التقييم هي تكلفة تقييم المنزل لمنزل تخطط لشرائه أو تملكه بالفعل. توفر تقييمات المنازل تقييمًا مستقلاً لقيمة العقار. في معظم الحالات، يعود اختيار المثمن وأي تكاليف مرتبطة به إلى المقرض الخاص بك.

    تعرف على المزيد حول عملية شراء المنزل



    الدفع الأوتوماتيكي (Automatic payment)

    تسمح لك المدفوعات الأوتوماتيكية بإعداد مدفوعات الرهن العقاري المتكررة من خلال البنك الذي تتعامل معه. يمكن أن تكون المدفوعات الأوتوماتيكية طريقة مناسبة للتأكد من قيامك بسداد مدفوعاتك في الوقت المحدد.



    قرض البالون (Balloon loan)

    بالنسبة إلى الرهون العقارية، يعني قرض البالون أن القرض يحتوي على دفعة أكبر من المعتاد لمرة واحدة، وعادةً ما يكون ذلك في نهاية مدة القرض. يُطلق على الدفعة لمرة واحدة اسم "دفعة البالون"، وهي أعلى من مدفوعاتك الأخرى، وأحيانًا تكون أعلى من ذلك بكثير. إذا لم تتمكن من دفع مبلغ البالون، فقد تضطر إلى إعادة التمويل أو بيع منزلك أو مواجهة الحجز على الرهن العقاري.

    اكتشف لماذا قد تكون قروض البالون محفوفة بالمخا



    الدفع نصف الشهري (Bi-weekly payment)

    في خطة الدفع نصف الشهري، يقوم موظف خدمات الرهن العقاري بتحصيل نصف مدفوعاتك الشهرية كل أسبوعين، مما يؤدي إلى 26 دفعة على مدار العام (بإجمالي دفعة شهرية إضافية واحدة في السنة). من خلال سداد دفعات إضافية وتطبيق مدفوعاتك على الأصل، قد تتمكن من سداد قرضك مبكرًا. قبل اختيار دفعة نصف شهرية، تأكد من مراجعة شروط القرض الخاص بك لمعرفة ما إذا كنت ستخضع لغرامة السداد المسبق إذا قمت بذلك. تحقق مما إذا كان مقدم الخدمة الخاص بك يتقاضى أي رسوم لخطة الدفع نصف الشهرية. قد تكون قادرًا على تحقيق نفس الهدف بدون رسوم عن طريق سداد دفعة شهرية إضافية للرهن العقاري كل عام.



    الكشف الختامي (Closing Disclosure)

    الكشف الختامي هو نموذج مطلوب من خمس صفحات يوفر التفاصيل النهائية حول قرض الرهن العقاري الذي حددته. يتضمن بنود القرض، ودفعاتك الشهرية المتوقعة، والمبلغ الذي ستدفعه في الرسوم والتكاليف الأخرى للحصول على الرهن العقاري الخاص بك.

    تعرف على كيفية التحقق مرة أخرى من صحة جميع التفاصيل المتعلقة بالقرض الخاص بك في الكشف الختامي الخاص بك.



    قرض البناء (Construction loan)

    عادةً ما يكون قرض البناء عبارة عن قرض قصير الأجل يوفر أموالًا لتغطية تكلفة بناء أو إعادة تأهيل منزل.

    اقرأ المزيد (باللغة الإنكليزية)

    القرض التقليدي (Conventional loan)

    القرض التقليدي هو أي قرض رهن عقاري غير مؤمن عليه أو مضمون من قبل الحكومة (مثل إدارة الإسكان الفيدرالية أو إدارة شؤون المحاربين القدامى أو برامج قروض إدارة الزراعة).

    تعرف على المزيد حول حول القروض التقليدية وأنواع القروض الأخرى.



    المُوقع المشارك أو المقترض المشارك (Co-signer or co-borrower)

    المُوقع المشارك أو المقترض المشارك هو الشخص الذي يوافق على تحمل المسؤولية الكاملة لسداد قرض الرهن العقاري معك. هذا الشخص ملزم بدفع أي مدفوعات فائتة وحتى المبلغ الكامل للقرض إذا لم تدفع. تميّز بعض برامج الرهن العقاري المُوقع المشارك على أنه شخص ليس على السند وليس له أي مصلحة في ملكية المنزل المرهون. إن وجود مُوقع مشارك أو مقترض مشارك على قرض الرهن العقاري الخاص بك يمنح المقرض ضمانًا إضافيًا بأن القرض سيتم سداده. لكن السجل الائتماني والمالي للمُوقع المشارك أو المقترض المشارك في خطر إذا لم تسدد القرض.

    تعرف على المزيد حول عملية شراء المنزل.



    سجل الائتمان (Credit history)

    سجل الائتمان هو سجل لحساباتك الائتمانية وتاريخ الدفع الخاص بك في الوقت المحدد كما هو موضح في تقرير الائتمان الخاص بك. تقوم شركات تقارير المستهلك، المعروفة أيضًا باسم شركات إعداد التقارير الائتمانية، بجمع وتحديث المعلومات المتعلقة بسجلك الائتماني وتقديمه إلى الشركات الأخرى التي تستخدمه لاتخاذ قرارات بشأنك. تحتوي تقارير الائتمان على معلومات حول نشاطك الائتماني والوضع الائتماني الحالي مثل تاريخ سداد القرض وحالة حساباتك الائتمانية.

    تعرف على المزيد حول التحقق من سجلك الائتماني قبل شراء منزل.



    تقرير الائتمان (Credit report)

    تقرير الائتمان عبارة عن بيان يحتوي على معلومات حول نشاطك الائتماني والوضع الائتماني الحالي مثل تاريخ سداد القرض وحالة حساباتك الائتمانية. يستخدم المقرضون نقاط الأهلية الائتمانية والمعلومات الواردة في تقرير الائتمان الخاص بك لتحديد ما إذا كنت مؤهلاً للحصول على قرض وما هو معدل الفائدة الذي تقدمه لك.

    تعرف على كيفية الحصول على نسخة من تقارير الائتمان الخاصة بك. 



    نقاط الأهلية الائتمانية (Credit score)

    تتوقع نقاط الأهلية الائتمانية مدى احتمالية سداد القرض في الوقت المحدد. تستخدم الشركات صيغة رياضية - تسمى نموذج حساب النقاط - لإنشاء نقاط الأهلية الائتمانية الخاصة بك من المعلومات الواردة في تقرير الائتمان الخاص بك. هناك نماذج مختلفة لحساب النقاط، لذلك ليس لديك نقاط أهلية ائتمانية واحدة فقط. تعتمد نقاطك على تاريخك الائتماني، ونوع منتج القرض، وحتى اليوم الذي تم فيه حسابه.

    اكتشف أين يمكنك الحصول على نقاط الأهلية الائتمانية الخاصة بك. 



    نسبة الديون (Debt ratio)

    نسبة الديون إلى الدخل هي جميع مدفوعات الديون الشهرية مقسومة على الدخل الشهري الإجمالي. هذا الرقم هو أحد الطرق التي يقيس بها المقرضون قدرتك على إدارة المدفوعات الشهرية لسداد الأموال التي تخطط لاقتراضها.

    تعرف على كيفية حساب نسبة الدين إلى الدخل. 



    سند الملكية بدل الحجز على الرهن العقاري (Deed-in-lieu of foreclosure)

    سند الملكية بدل الحجز على الرهن العقاري هو إجراء تسوية حيث تقوم طواعية بتسليم ملكية منزلك إلى المقرض لتجنب عملية الحجز على الرهن العقاري. قد يساعدك سند الملكية بدل الحجز على الرهن العقاري على تجنب تحمل المسؤولية الشخصية عن أي مبلغ متبقي في الرهن العقاري. إذا كنت تعيش في ولاية تكون فيها مسؤولاً عن أي عجز، وهو الفرق بين قيمة العقار الخاص بك والمبلغ الذي لا تزال مدينًا به لقرض الرهن العقاري الخاص بك، فستحتاج إلى مطالبة المقرض الخاص بك بالتنازل عن العجز. إذا تنازل المُقرض عن العجز، احصل على التنازل كتابيًا واحتفظ به في سجلاتك. سند الملكية بدل الحجز على الرهن العقاري هو أحد أنواع التخفيف من الخسارة. 



    المدفوعات المتأخرة (Delinquent)

    تعد المدفوعات المتأخرة مصطلح آخر للتأخر في سداد مدفوعاتك. يمكن أن يصبح قرضك متأخرًا في السداد عندما يفوتك السداد أو لا تسدد دفعة كاملة بحلول تاريخ الاستحقاق. في حال كونك متأخرًا عن السداد لفترة معينة من الوقت، يجوز للمقرض أو مقدم الخدمة أن يبدأ عملية الحجز على الرهن العقاري. قد تختلف الفترة الزمنية حسب الولاية.

    قد تنطبق القواعد الفيدرالية أيضًا على وقت بدء عملية الحجز على الرهن العقاري. تعرف على المزيد حول الخيارات المتاحة أمامك إذا لم تتمكن من سداد قرضك العقاري.

    إذا كنت متأثرًا بفيروس كورونا

    احصل على مزيد من من المعلومات حول خيارات الإعفاء من الرهن العقاري.



    ميزة الطلب (Demand feature)

    يحتوي الكشف الختامي على بيان نصه "يتضمن قرضك على ميزة الطلب"، والتي يتم تحديدها "نعم" أو "لا". تسمح ميزة الطلب للمقرض بطلب السداد المبكر للقرض.
    اقرأ المزيد (باللغة الإنكليزية)


    الدفعة الأولى (Down payment)

    الدفعة الأولى هي المبلغ الذي تدفعه مقابل المنزل مقدمًا. يمكنك خفض نسبة مئوية من قيمة المنزل وتقترض الباقي من خلال قرض الرهن العقاري الخاص بك. بشكل عام، كلما زادت الدفعة الأولى، انخفض معدل الفائدة الذي ستحصل عليه وزادت احتمالية الموافقة على القرض.

    تعرف على المزيد حول تحديد الدفعة الأولى.



    برامج الدفعة الأولى أو المنح (Down payment programs or grants)

    عادةً ما تشير منحة أو برنامج الدفعة الأولى إلى المساعدة التي تقدمها منظمة مثل الحكومة أو وكالة غير ربحية، إلى مشتري منزل لمساعدتهم في الدفعة الأولى لشراء منزل. قد يتم تقديم الأموال كمنحة صريحة أو قد تتطلب السداد، كما هو الحال عند بيع المنزل.

    فهم أين يمكنك الحصول على معلومات عن برامج الدفعة الأولى والمنح.



    العربون (Earnest money)

    العربون عبارة عن وديعة يدفعها المشتري لإظهار حسن النية على اتفاقية عقد موقعة لشراء منزل. يُحتفظ بالوديعة من قبل بائع أو طرف ثالث مثل وكيل عقارات أو شركة ملكية. إذا تم الانتهاء من بيع المنزل أو "إغلاقه"، فقد يُستخدم العربون في تكاليف الإغلاق أو الدفعة الأولى. إذا فسخ العقد لسبب جائز، يُعاد العربون إلى المشتري. إذا لم يعمل المشتري بحسن نية، فقد يتم مصادرة العربون ودفعها للبائع.

    تعرف على المزيد حول عملية شراء المنزل.



    حصة الملكية (Equity)

    حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك.

    تعرف على ما هو قرض ملكية المنزل.



    الضمان (Escrow)

    يتم إنشاء حساب ضمان بواسطة مُقرض الرهن العقاري لدفع بعض النفقات المتعلقة بالعقار، مثل ضرائب العقار والتأمين على المنزل. يذهب جزء من دفعتك الشهرية إلى الحساب. إذا لم يكن الرهن العقاري الخاص بك يحتوي على حساب ضمان، فعليك دفع المصاريف المتعلقة بالعقار مباشرة.

    اكتشف المزيد حول كيفية تأثير الضمان على مدفوعات الرهن العقاري الشهرية. 



    الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae)

    تشتري الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) القروض العقارية وتضمنها من مؤسسات الإقراض في محاولة لزيادة الإقراض ميسور التكلفة. الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) ليست وكالة فيدرالية. إنها مؤسسة ترعاها الحكومة تحت وصاية الوكالة الفيدرالية لتمويل الإسكان (FHFA).

    تعرف على المزيد حول القروض التقليدية.



    رسوم تمويل قروض إدارة الإسكان الفيدرالية (FHA) (FHA funding fee)

    تتطلب إدارة الإسكان الفيدرالية (FHA) رسوم تمويل قروض إدارة الإسكان الفدرالية وقسط تأمين شهري (MIP) لمعظم برامج الأسرة الواحدة. يُطلق على قسط تأمين الرهن العقاري مقدمًا أحيانًا اسم قسط تأمين الرهن العقاري مقدمًا (UFMIP).

    معرفة ما إذا كان الرهن العقاري لإدارة الإسكان الفيدرالية هو المناسب لك.



    قروض إدارة الإسكان الفيدرالية (FHA) (FHA loan)

    قروض إدارة الإسكان الفيدرالية(FHA) هي قروض من جهات إقراض خاصة تخضع للتنظيم والتأمين من قبل إدارة الإسكان الفيدرالية (FHA). تختلف قروض إدارة الإسكان الفدرالية عن القروض التقليدية لأنها تسمح بنقاط أهلية ائتمانية أقل ودفعات أولى منخفضة تصل إلى 3.5 في المائة من إجمالي مبلغ القرض. تختلف مبالغ القرض القصوى حسب المقاطعة.

    تعرف على هذا الخيار وغيره من خيارات قروض الرهن العقاري.



    حدود الرهن العقاري لقروض إدارة الإسكان الفدرالية (FHA) (FHA mortgage limits)

    حدود الرهن العقاري لقروض إدارة الإسكان الفدرالية هي حدود المبلغ بالدولار للرهون العقارية المؤهلة التي ستؤمنها قروض إدارة الإسكان الفيدرالية كجزء من برنامج الرهن العقاري للأسرة الواحدة. تستند هذه الحدود إلى الموقع ويمكن مراجعتها كل عام.

    استخدم أداة إدارة الإسكان الفيدرالية (FHA) للبحث عن حدود القرض على مستوى المقاطعة.



    رسوم التمويل (Finance charge)

    رسوم التمويل هي المبلغ الإجمالي للفائدة ورسوم القرض التي ستدفعها طوال مدة قرض الرهن العقاري.
    اقرأ المزيد (باللغة الإنكليزية)


    برامج قروض مشتري المنازل لأول مرة (FTHB) (First-time home buyers (FTHB) loan programs)

    قد يستخدم مشترو المنازل لأول مرة (FTHB) عددًا من أنواع مختلفة من برامج القروض لشراء منزلهم الأول. تشمل قروض مشتري المنازل لأول مرة (FTHB) الشهيرة البرامج التي تقدمها إدارة الإسكان الفدرالية (FHA) و إدارة شؤون المحاربين القدامى (VA) وإدارة الزراعة الأمريكيةUSDA) ) والرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) والمؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) بدفعات مقدمة منخفضة. تحدد بعض البرامج مشتري المنازل لأول مرة (FTHB) على أنه شخص لم يشتر منزلًا منذ ثلاث سنوات أو أكثر.

    فهم خيارات القرض الخاص بك.



    الرهن العقاري بسعر ثابت (Fixed-rate mortgage)

    الرهن العقاري بسعر ثابت هو نوع من أنواع القروض العقارية التي يتم تحديد معدل الفائدة عليها عند الحصول على القرض ولن يتغير خلال مدة القرض.

    تعرف على المزيد حول كيفية عمل الرهون العقارية ذات السعر الثابت وما يجب مراعاته. 



    الإمهال (Forbearance)

    الإمهال هو عندما يسمح لك مقدم الخدمة الخاص بك مؤقتًا بدفع الرهن العقاري الخاص بك بمعدل أقل أو التوقف مؤقتًا عن سداد الرهن العقاري الخاص بك. قد يمنحك مقدم الخدمة الإمهال، على سبيل المثال، إذا فقدت وظيفتك مؤخرًا، أو تعرضت لكارثة، أو من مرض أو إصابة أدت إلى زيادة تكاليف الرعاية الصحية الخاصة بك. الإمهال هو أحد أنواعتخفيف الخسارة.

    تعرف على المزيد حول الإمهال في الرهن العقاري

    اعتمادًا على نوع القرض الذي لديك، قد تكون هناك خيارات مختلفة عن الإمهال. يجب عليك الاتصال بخدمة القرض لطلب الإمهال. تذكر أنه سيتعين عليك تعويض هذه المدفوعات الفائتة أو المخفضة عندما تنتهي فترة الإمهال الخاصة بك.

    إذا كنت متأثرًا بفيروس كورونا

    احصل على المزيد من المعلومات حول خيارات الإعفاء من الرهن العقاري. 



    التأمين الجبري (Force-placed insurance)

    قد يطلب مقدم الخدمة تأمينًا إجباريًا عندما لا يكون لديك بوليصة تأمين خاصة بك أو إذا كانت وثيقتك الخاصة لا تفي بمتطلبات مقدم الخدمة الخاص بك. عادةً ما يحمي التأمين الجبري المُقرض فقط وليس أنت. سيحاسبك مقدم الخدمة على التأمين. عادةً ما يكون التأمين الجبري أكثر تكلفة من العثور على بوليصة تأمين بنفسك.



    الحجز على الرهن العقاري (Foreclosure)

    الحجز على الرهن العقاري هو عندما يستعيد المقرض أو مقدم الخدمة العقار بعد فشل صاحب المنزل في سداد مدفوعات الرهن العقاري. في بعض الولايات، يتعين على المُقرض أن يلجأ إلى المحكمة للحجز على الرهن العقاري على عقارك (الحجز على الرهن العقاري القضائي)، لكن الولايات الأخرى لا تتطلب إجراءات قضائية (الحجز على الرهن العقاري غير القضائي). بشكل عام، يجب إخطار المقترضين إذا بدأ المقرض أو مقدم الخدمة إجراءات الحجز على الرهن العقاري. قد تنطبق القواعد الفيدرالية عندما يبدأ الحجز على الرهن العقاري.

    إذا كنت قلقًا بشأن الحجز على الرهن العقاري،فتعرف على كيفية الحصول على المساعدة.

    إذا كنت متأثرًا بفيروس كورونا

    احصل على المزيد من المعلومات حول خيارات الإعفاء من الرهن العقاري. 



    المؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac)

    المؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) هي شركة خاصة أسسها الكونجرس. وتتمثل مهمتها في تعزيز الاستقرار والقدرة على تحمل التكاليف في سوق الإسكان من خلال شراء الرهون العقارية من البنوك وغيرها من صانعي القروض. تخضع الشركة حاليًا للوصاية، تحت إشراف الوكالة الفيدرالية لتمويل الإسكان (FHFA).

    تعرف على المزيد حول القروض التقليدية



    تقدير حسن النية (Good Faith Estimate)

    تقدير حسن النية (GFE) هو شكل يجب على المُقرض منحك إياه عند التقدم بطلب للحصول على رهن عقاري عكسي. يسرد تقدير حسن النية (GFE) المعلومات الأساسية حول شروط عرض قرض الرهن العقاري العكسي.

    اكتشف متى تتلقى تقدير حسن النية. 



    رسوم التسجيل الحكومية (Government recording charges)

    رسوم التسجيل الحكومية هي رسوم يتم تقييمها من قبل الوكالات الحكومية بالولاية والمحلية للتسجيل القانوني لسندك العقاري ورهنك العقاري والمستندات المتعلقة بقرض منزلك.

    اقرأ المزيد (باللغة الإنكليزية)

    قرض عقاري عالي السعر (Higher-priced mortgage loan)

    بشكل عام، يعتبر قرض الرهن العقاري عالي السعر قرضًا بمعدل نسبة مئوية سنوي، أو معدل الفائدة السنوية المئوية (APR)، أعلى من معدل معياري يسمى متوسط سعر العرض الرئيسي.

    اقرأ المزيد (باللغة الإنكليزية)

    مستحقات جمعية مالكي العقارات (HOA) (HOA dues)

    إذا كنت مهتمًا بشراء شقة أو مساكن تعاونية أو منزل في تقسيم فرعي مخطط له أو مجتمع منظم آخر مع خدمات مشتركة، فعادةً ما يتعين عليك دفع رسوم الشقة أو مستحقات جمعية مالكي العقارات (HOA). تختلف هذه الرسوم بشكل كبير. عادةً ما يتم دفع رسوم الشقة أو جمعية مالكي العقارات (HOA) بشكل منفصل عن مدفوعات الرهن العقاري الشهرية. إذا لم تدفع هذه الرسوم، فقد تواجه جهود تحصيل الديون من قبل جمعية مالكي العقارات وحتى الحجز على الرهن العقاري.

    تعرف على المزيد حول عملية شراء المنزل.



    تقييم المنزل (Home appraisal)

    التقييم هو مستند مكتوب يظهر رأيًا في قيمة العقار. يمنحك التقييم معلومات مفيدة حول العقار. يصف ما يجعله ذا قيمة وقد يُظهر كيفية مقارنته بالعقارات الأخرى في الحي. التقييم هو تقدير مستقل لقيمة العقار.

    تعرف على المزيد حول سبب أهمية التقييمات. 



    خط ائتمان حقوق الملكية العقارية (HELOC) (Home equity line of credit - HELOC)

    خط ائتمان حقوق الملكية العقارية (HELOC) هو خط ائتمان يسمح لك بالاقتراض مقابل ملكية منزلك. حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك. على عكس قرض حصة الملكية، عادةً ما يكون لدى خط ائتمان حقوق الملكية العقارية معدلات فائدة قابلة للتعديل. بالنسبة لمعظم خطوط ائتمان حقوق الملكية العقارية، ستتلقى شيكات خاصة أو بطاقة ائتمان، ويمكنك اقتراض المال لفترة محددة من وقت فتح حسابك. تُعرف هذه الفترة الزمنية باسم "فترة السحب". خلال "فترة السحب"، يمكنك اقتراض الأموال، ويجب عليك سداد الحد الأدنى من المدفوعات. عندما تنتهي "فترة السحب"، لن تتمكن من اقتراض الأموال من حد الائتمان الخاص بك. بعد انتهاء "فترة السحب"، قد يُطلب منك سداد رصيدك دفعة واحدة أو قد يُسمح لك بالسداد خلال فترة زمنية معينة. إذا كنت لا تستطيع سداد خط ائتمان حقوق الملكية العقارية، يمكن للمقرض نزع ملكية منزلك.



    قرض ملكية المنزل (Home equity loan)

    يسمح لك قرض ملكية المنزل (يسمى أحيانًا HEL) باقتراض الأموال باستخدام حقوق الملكية في منزلك كضمان سداد. حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك. تتلقى المال من قرض شراء منزل كمبلغ مقطوع. عادة ما يكون لقرض الملكية العقارية معدل فائدة ثابت - وهو سعر لا يتغير. إذا لم تتمكن من تسديد قرض ملكية المنزل، يمكن للمقرض نزع ملكية منزلك.



    فحص المنزل (Home inspection)

    غالبًا ما يكون فحص المنزل جزءًا من عملية شراء المنزل. عادةً ما يكون لديك الحق في تعيين مفتش منزل لفحص العقار والإشارة إلى نقاط القوة والضعف فيه. غالبًا ما يكون هذا مفيدًا بشكل خاص لاختبار الأنظمة الهيكلية والميكانيكية للمنزل بما في ذلك التدفئة والتهوية وتكييف الهواء والكهرباء.

    تعرف على كيفية تحديد موعد الفحص



    جمعية مالكي العقارات (HOA) (Homeowners’ Association - HOA)

    عادة ما يتم تشكيل جمعية مالكي العقارات (HOA) لإدارة النفقات المشتركة مثل تنسيق الحدائق وتكاليف الصيانة الأخرى للتقسيم الفرعي المخطط له أو مجتمع منظم آخر. تأخذ جمعيات مالكي وحدات المنازل السكنية المزيد من المسؤوليات بما في ذلك، على سبيل المثال، صيانة الممرات والمبان المشتركة والأسقف.

    احصل على مزيد من المعلومات حول كيفية ظهور جمعيات مالكي العقارات في بيان الرهن العقاري الخاص بك. 



    تأمين أصحاب المنازل (Homeowner's insurance)

    يدفع تأمين أصحاب المنزل الخسائر والأضرار التي تلحق بممتلكاتك في حالة حدوث شيء غير متوقع، مثل الحريق أو السطو. عندما يكون لديك رهن عقاري، يريد المُقرض الخاص بك التأكد من حماية عقارك عن طريق التأمين. لهذا السبب يطلب المقرضون عمومًا دليلًا على أن لديك تأمين أصحاب المنازل. يختلف تأمين مالك المنزل عن تأمين الرهن العقاري.

    تعرف على المزيد حول عملية شراء المنزل. 



    سعر شراء المنزل (Home purchase price)

    سعر شراء المنزل هو المبلغ المتفق عليه من قبل المشتري والبائع لدفعه للبائع لشراء المنزل.

    تعرف على المزيد حول العثور على المنزل المناسب.



    إدارة الإسكان والتنمية الحضرية (HUD)

    إدارة الإسكان والتنمية الحضرية (HUD) هي وكالة حكومية تساعد الناس في الحصول على مساكن جيدة وبأسعار معقولة والحفاظ عليها. يقومون بتدريب ورعاية مستشاري الإسكان في جميع أنحاء البلاد. يمكن لوكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية أن تقدم لك مشورة مشتري المنازل لمساعدتك على فهم خياراتك وتقييمها.

    ابحث عن وكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية.



    بيان تسوية HUD-1 (HUD-1 settlement statement)

    يسرد بيان تسوية HUD-1 جميع الرسوم والائتمانات للمشتري والبائع في تسوية عقارية، أو جميع الرسوم في إعادة تمويل الرهن العقاري. تتلقى HUD-1 إذا تقدمت بطلب للحصول على رهن عقاري عكسي أو إذا تقدمت بطلب للحصول على رهن عقاري في 3 أكتوبر/تشرين الأول 2015 أو قبله.

    تعرف على موعد تلقي HUD-1. 



    المؤشر (Index)

    المؤشر هو سعر فائدة معياري يعكس ظروف السوق العامة. يتغير المؤشر بناءً على السوق. تحدد التغييرات في المؤشر، بجانب هامش القرض، التغييرات في معدل الفائدة لقرض رهن عقاري قابل للتعديل.

    فهم كيف يؤثر المؤشر في سعر الفائدة لقرض رهن عقاري قابل للتعديل. 



    الحد الأقصى للتعديل الأولي (Initial adjustment cap)

    عادةً ما يرتبط الحد الأقصى للتعديل الأولي بقروض الرهن العقاري القابلة للتعديل (ARMs). يحدد هذا الحد الأقصى مقدار زيادة معدل الفائدة في المرة الأولى التي يتم تعديلها بعد انتهاء فترة السعر الثابت. من الشائع أن يكون هذا الحد الأقصى إما اثنين أو خمسة بالمائة - مما يعني أنه عند تغيير السعر الأول، لا يمكن أن يكون المعدل الجديد أعلى من نقطتين (أو خمس) نقاط مئوية عن المعدل الأولي خلال فترة السعر الثابت.

    فهم كيفية تأثير المؤشر في قروض الرهن العقاري ذات المعدل القابل للتعديل. 



    إيداع الضمان الأولي (Initial escrow deposit)

    إيداع الضمان الأولي هو المبلغ الذي ستدفعه عند الإغلاق لبدء حساب الضمان الخاص بك، إذا طلب المقرض الخاص بك.
    اقرأ المزيد (باللغة الإنكليزية)


    قرض بفائدة فقط (Interest-only loan)

    الرهن العقاري بفائدة فقط هو قرض بدفعات مجدولة تتطلب منك دفع الفائدة فقط لفترة زمنية محددة.

    اقرأ المزيد (باللغة الإنكليزية)


    معدل الفائدة (Interest rate)

    معدل الفائدة على قرض الرهن العقاري هو التكلفة التي ستدفعها كل عام لاقتراض المال، معبرًا عنها بنسبة مئوية. لا يعكس الرسوم أو أي رسوم أخرى قد تضطر إلى دفعها مقابل القرض. على سبيل المثال، إذا كان قرض الرهن العقاري يبلغ 100,000 دولار بمعدل فائدة 4 في المائة، فقد وافق هذا المستهلك على دفع 4,000 دولار كل عام يقترض أو يدين بهذا المبلغ بالكامل.

    اكتشف أسعار الفائدة في منطقتك 



    الحد الأقصى لسعر الفائدة (Interest rate cap)

    الحد الأقصى لسعر الفائدة، الذي يشار إليه أحيانًا بالحد الأقصى السنوي، هو الحد الأقصى للزيادة في معدل الفائدة التي يمكن أن تحدث سنويًا لسعر الرهن العقاري القابل للتعديل (ARM) حتى لو كان السعر قد ارتفع أكثر في ظل أسعار الفائدة في السوق. على سبيل المثال، إذا كان هذا الحد الأقصى بنسبة اثنين في المائة، فلا يمكن أن يكون المعدل الجديد أعلى من المعدل السابق بأكثر من نقطتين مئويتين.

    فهم كيف يستخدم المقرضون المؤشر والهامش لتعديل سعر الفائدة الخاص بك



    القرض الجامبو (Jumbo loan)

    في كل عام، تحدد الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) و والمؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) والجهة المنظمة لها، وكالة تمويل الإسكان الفيدرالية ((FHFA، الحد الأقصى لمبلغ القروض التي سيشترونها من المقرضين.
    اقرأ المزيد (باللغة الإنكليزية)


    تأمين ملكية المقرضين (Lenders title insurance)

    يحمي تأمين ملكية المقرضين المُقرض من المشاكل المتعلقة بملكية عقارك - مثل شخص لديه دعوى قانونية ضد المنزل. يحمي تأمين ملكية المقرضين المُقرض فقط من مشاكل متعلقة بسند الملكية. لحماية نفسك، قد ترغب في شراء تأمين ملكية المالك.
    اقرأ المزيد (باللغة الإنكليزية)


    الحد الأقصى للتعديل مدى الحياة (Lifetime adjustment cap)

    عادةً ما يرتبط الحد الأقصى للتعديل مدى الحياة بقروض الرهن العقاري القابلة للتعديل (ARMs). يحدد الحد الأقصى إلى أي مدى يمكن أن يزيد معدل الفائدة بشكل إجمالي على مدى فترة القرض. على سبيل المثال، إذا كان هذا الحد الأقصى هو خمسة بالمائة، فهذا يعني أن المعدل لا يمكن أبدًا أن يكون أعلى بخمس نقاط مئوية من المعدل الأولي. قد يكون لبعض المقرضين حد أقصى مختلف أو أعلى.

    فهم كيفية تأثير المؤشر في قروض الرهن العقاري ذات المعدل القابل للتعديل.



    تحمل مسؤولية القرض (Loan assumption)

    يحدث تحمل مسؤولية القرض عندما يتسلم المشتري الرهن العقاري من البائع عند شراء منزل البائع. ويتولى المشتري مسؤولية الرصيد المتبقي المستحق على الرهن العقاري الخاص بالبائع، وفقًا لشروط القرض الأصلية - على سبيل المثال، سعر الفائدة والمدة المتبقية للرهن العقاري. وقد يكون تحمل مسؤولية القرض منطقيًا من الناحية المالية عندما تُعرض رهون عقارية جديدة بأسعار فائدة أعلى مما كانت عليه عندما حصل البائع على رهنه العقاري في الأصل.

    الفرق بين سعر بيع المنزل والرصيد المتبقي على القرض المتحمّل يساوي المبلغ الذي يتعين على المشتري دفعه، إما من جيبه أو عن طريق الحصول على قرض رهن عقاري خاص به.

    لكي يتولى مشتري المنزل الرهن العقاري سيحتاج إلى التأهل لتحمل مسؤولية القرض. عادةً ما يعتمد التأهل على مراجعة ائتمان المشتري ودخله، على غرار التأهل للحصول على رهن عقاري جديد

    يمكن أن يسري تحمل مسؤولية القرض أيضًا عندما تحصل على سند ملكية لعقار مرهون - على سبيل المثال، بعد الوفاة أو الطلاق.



    تأجيل القرض (Loan deferment)

    يحق للمقترضين الذين يكافحون من أجل سداد مدفوعات الرهن العقاري عمومًا أن يطلبوا المساعدة من محصّل أقساط الرهن العقاري. يمكن لمحصّل الأقساط الموافقة على تأجيل القرض، مما يسمح للمقترض بتجنب الحجز على الرهن العقاري عن طريق تأجيل مدفوعات الرهن العقاري المتأخرة. ويصبح المبلغ المؤجل مستحق الدفع عندما يقوم المقترض بإعادة تمويل القرض أو بيع المنزل، أو ينتهي الرهن العقاري بطريقة أخرى


    تقدير القرض (Loan estimate)

    تقدير القرض هو نموذج من ثلاث صفحات تحصل عليه بعد التقدم بطلب للحصول على قرض عقاري.
    اقرأ المزيد (باللغة الإنكليزية)


    تعديل القرض (Loan modification)

    تعديل قرض الرهن العقاري هو تغيير في شروط القرض الخاص بك. التعديل هو نوع منتخفيف الخسارة.يمكن أن يقلل التعديل من دفعتك الشهرية إلى مبلغ يمكنك تحمله. قد تتضمن التعديلات تمديد عدد السنوات التي يتعين عليك سداد القرض فيها، و / أو خفض معدل الفائدة ، و / أو تحمل أو خفض رصيدك الأساسي. إذا عُرض عليك تعديل قرض، فتأكد من معرفة كيف سيغير ذلك مدفوعاتك الشهرية والمبلغ الإجمالي الذي ستدين به على المدى القصير والطويل.

    تعرف على المزيد حول تعديل قرض الرهن العقاري

    إذا كنت متأثرًا بفيروس كورونا

    احصل على المزيد من المعلومات حول خيارات الإعفاء من الرهن العقاري. 



    نسبة القرض إلى القيمة (Loan-to-value ratio)

    نسبة القرض إلى القيمة (LTV) هي مقياس لمقارنة مبلغ الرهن العقاري الخاص بك مع القيمة المقدرة للعقار. كلما زادت الدفعة الأولى، انخفضت نسبة القرض إلى القيمة (LTV). يجوز لمقرضي الرهن العقاري استخدام نسبة القرض إلى القيمة (LTV) في تقرير ما إذا كانوا سيقرضونك وتحديد ما إذا كانوا سيطلبون تأمينًا خاصًا على الرهن العقاري.

    تعرف على كيفية ارتباط نسبة القرض إلى القيمة بتكاليفك. 


    تخفيف الخسارة (Loss Mitigation)

    يشير تخفيف الخسارة إلى الخطوات التي يتخذها مقدمو خدمات الرهن العقاري للعمل مع مقترض الرهن العقاري لتجنب الحجز على الرهن العقاري. يشير تخفيف الخسارة إلى مسؤولية مقدم الخدمة لتقليل أو "تخفيف" الخسارة التي يتحملها المستثمر والتي يمكن أن تأتي من الحجز على الرهن العقاري. قد تساعدك خيارات معينة لتخفيف الخسارة على البقاء في منزلك. قد تساعدك الخيارات الأخرى على مغادرة منزلك دون المرور بالحجز على الرهن العقاري. قد تشمل خيارات تخفيف الخسارة سند الملكية بدل الحجز على الرهن العقاري, أو الإمھال, أو خطة السداد, أو البيع على المكشوف, أوتعديل القرض. 

    إذا كنت تواجه مشكلة في سداد مدفوعات الرهن العقاري الخاصة بك، أو إذا تم عرض عليك وتفكر في العديد من خيارات التخفيف من الخسائر، فتواصل مع وكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية (HUD).

    يمكنك استخدام أداة "Find a counselor" (ابحث عن مستشار) مكتب الحماية المالية للمستهلكين (CFPB) للحصول على قائمة وكالات الاستشارة الإسكانية في منطقتك والتي تمت الموافقة عليها من قبل HUD. يمكنك أيضًا الاتصال بالخط الساخن HOPE™، وهو مفتوح 24 ساعة في اليوم، سبعة أيام في الأسبوع، على الرقم888) 995-HOPE (4673) ).

    إذا كنت متأثرًا بفيروس كورونا

    احصل على المزيد من المعلومات حول خيارات الإعفاء من الرهن العقاري



    الهامش (Margin)

    الهامش هو عدد النقاط المئوية المضافة إلى المؤشر بواسطة مُقرض الرهن العقاري لتعيين سعر الفائدة الخاص بك على الرهن العقاري ذي المعدل القابل للتعديل (ARM) بعد انتهاء فترة السعر الأولي. تم تحديد الهامش في اتفاقية القرض الخاص بك ولن يتغير بعد الإغلاق. يعتمد مبلغ الهامش على المقرض والقرض المعينين.

    فهم كيفية تأثير الهامش في قروض الرهن العقاري ذات المعدل القابل للتعديل.



    المصاريف الشهرية (Monthly expenses)

    هذا هو مقدار ما تنفقه كل شهر. يمكن أن تشمل، على سبيل المثال لا الحصر، الالتزامات المتكررة مثل دفع الإيجار أو الرهن العقاري، والمرافق، ومدفوعات السيارات، ومدفوعات إعالة الأطفال، ومدفوعات التأمين، بالإضافة إلى الضروريات مثل الطعام. سيكون لمعظم هذه الالتزامات تاريخ استحقاق ثابت.

    قم بتقييم إنفاقك الشهري باستخدام متتبع الإنفاق هذا. 



    الرهن العقاري (Mortgage)

    الرهن العقاري هو اتفاق بينك وبين المقرض الذي يسمح لك باقتراض المال لشراء أو إعادة تمويل منزل ويمنح المقرض الحق في أخذ عقارك إذا فشلت في سداد الأموال التي اقترضتها.

    إذا كنت مستعدًا للحصول على قرض عقاري, فتعرف على المزيد حول شراء منزل. 



    قائمة مراجعة إغلاق الرهن العقاري (Mortgage closing checklist)

    قائمة التحقق من إغلاق الرهن العقاري هي قائمة بالخطوات التي يمكنك استخدامها للتحضير ومعرفة ما يمكن توقعه. يمكن أن يساعدك في تحديد الأسئلة الرئيسية التي يجب طرحها مسبقًا حتى تتمكن من إغلاقها بثقة.

    استخدم ورقة العمل هذه للتحضير للإغلاق.



    تكاليف إغلاق الرهن العقاري (Mortgage closing costs)

    تكاليف إغلاق الرهن العقاري هي جميع التكاليف التي ستدفعها عند الإغلاق. يتضمن ذلك رسوم الإنشاء ورسوم التقييم وتكاليف تقرير الائتمان ورسوم التأمين على الملكية وأي رسوم أخرى يطلبها المُقرض أو تدفع كجزء من معاملة الرهن العقاري. يُطلب من المقرضين تقديم ملخص لهذه التكاليف إليك في تقدير القرض.

    تعرف على المزيد حول ما يحدث في الإغلاق.


    تأمين الرهن العقاري (Mortgage insurance)

    يحمي تأمين الرهن العقاري المُقرض إذا تخلفت عن سداد مدفوعاتك. عادةً ما يكون التأمين على الرهن العقاري مطلوبًا إذا كانت الدفعة الأولى أقل من 20 في المائة من قيمة العقار. عادة ما يكون التأمين على الرهن العقاري مطلوبًا على قروض إدارة الإسكان الفيدرالية وإدارة الزراعة الأمريكية. ومع ذلك، إذا كان لديك قرض تقليدي وكانت الدفعة الأولى أقل من 20 في المائة، فمن المرجح أن يكون لديك تأمين خاص على الرهن العقاري (PMI).

    فهم كيف يعمل تأمين الرهن العقاري



    تعديل قرض الرهن العقاري (Mortgage loan modification)

    تعديل قرض الرهن العقاري هو تغيير في شروط القرض الخاص بك. التعديل هو أحد أنواع تخفيف الخسارة.  
    اقرأ المزيد (باللغة الإنكليزية)


    إعادة تمويل الرهن العقاري (Mortgage refinance)

    يتم إعادة تمويل الرهن العقاري عندما تحصل على قرض جديد لسداد القرض القديم واستبداله. الأسباب الشائعة لإعادة التمويل هي خفض معدل الفائدة الشهري، أو خفض مدفوعات الرهن العقاري، أو اقتراض أموال إضافية. عند إعادة التمويل، يتعين عليك عادةً دفع تكاليف ورسوم الإغلاق. إذا قمت بإعادة التمويل وحصلت على دفعة شهرية أقل، فتأكد من فهم مقدار التخفيض الناتج عن معدل فائدة منخفض ومقدار ذلك لأن مدة القرض أطول.

    هل يجب عليّ إعادة التمويل؟

    دليل المستهلك لإعادة تمويل الرهن العقاري

    مجموعة أدوات قرض المنزل الخاص بك

    كتيب المستهلك عن الرهون العقارية القابلة للتعديل



    مدة الرهن العقاري (Mortgage term)

    مدة قرض الرهن العقاري هي المدة التي يتعين عليك سداد القرض خلالها. بالنسبة لمعظم أنواع المنازل، تكون شروط الرهن العقاري عادةً 15 أو 20 أو 30 عامًا.

    اكتشف خيارات مدة القرض.



    رسوم الإنشاء (Origination Fee)

    رسوم الإنشاء هي ما يفرضه المُقرض على المقترض مقابل تقديم قرض الرهن العقاري. قد تشمل رسوم الإنشاء معالجة الطلب والاكتتاب وتمويل القرض والخدمات الإدارية الأخرى. لا يمكن زيادة رسوم الإنشاء بشكل عام إلا في ظل ظروف معينة.

    تعرف على المزيد حول تكاليف إنشاء الرهن العقاري. 



    تأمين ملكية المالك (Owner's title insurance)

    يوفر تأمين ملكية المالك الحماية لصاحب المنزل إذا قام شخص ما برفع دعوى وقال إن لديه مطالبة ضد المنزل من قبل أن يشتريه صاحب المنزل.
    اقرأ المزيد (باللغة الإنكليزية)


    تمويل الطاقة النظيفة المقدرة على العقارات (PACE) (Pace financing)

    يوفر تمويل الطاقة النظيفة المقدرة على العقارات (PACE) طريقة لتمويل تحسينات المنازل ذات الكفاءة في استخدام الطاقة.
    اقرأ المزيد (باللغة الإنكليزية)


    المطالبة الجزئية (Partial claim)

    المطالبة الجزئية هي طريقة لاستخدام تأمين الرهن العقاري لمساعدة صاحب المنزل المتعثر على تجنب الحجز على الرهن العقاري. يقوم صاحب الرهن العقاري بتقديم مطالبة ضد تأمين الرهن العقاري بمبلغ أي مدفوعات رهن عقاري لم يتم تسديدها، ويضع المؤمِّن الأموال جانبًا في حساب منفصل. بعد ذلك، عندما يقوم المقترض بإعادة تمويل الرهن العقاري، أو بيع المنزل، أو إنهاء الرهن بطريقة أخرى، يتم دفع مبلغ المطالبة الجزئية لمحصّل أقساط الرهن العقاري. في بعض الأحيان، لا يغطي مبلغ المطالبة الجزئية المبلغ الكامل للمدفوعات الفائتة، وفي تلك الحالات يجب على المقترض دفع الفرق.


    مبلغ التسديد (Payoff amount)

    مبلغ التسديد الخاص بك هو المبلغ الذي سيتعين عليك دفعه بالفعل للوفاء بشروط قرض الرهن العقاري الخاص بك وسداد ديونك بالكامل. مبلغ التسديد الخاص بك يختلف عن رصيدك الحالي. قد لا يعكس رصيدك الحالي المبلغ الذي يتعين عليك دفعه بالفعل للوفاء الكامل بالقرض. يتضمن مبلغ التسديد أيضًا دفع أي فائدة تدين بها حتى اليوم الذي تنوي فيه سداد قرضك. قد يشمل مبلغ التسديد أيضًا رسومًا أخرى تكبدتها ولم تدفعها بعد.



    أوامر تغيير دائم للمركز (PCS) (PCS orders)

    يجوز إعطاء أعضاء الخدمة الفعلية أوامر تغيير دائم للمركز (PCS). أوامر تغيير دائم للمركز (PCS) هي نقل رسمي لعضو الخدمة (وأي عائلة تعيش معهم) إلى موقع عمل مختلف. إذا كان العضو يمتلك منزلاً، فقد يختار بيعه. إذا كان عضو الخدمة مدينًا بالمنزل أكثر مما يستحق المنزل، فقد يواجهون مشكلة في بيع منزلهم. يقدم بعض مقدمي الخدمة برامج للسماح لأعضاء الخدمة ببيع منازلهم وعدم الاضطرار إلى سداد باقي رصيد القرض. تفضل بزيارة أعضاء مقدمي الخدمة لمزيد من المعلومات. 



    المبلغ الأساسي، والفائدة ، والضرائب ، والتأمين (PITI)

    المبلغ الأساسي، والفائدة ، والضرائب ، والتأمين ، والمعروفة باسم PITI، هي العناصر الأساسية الأربعة لسداد الرهن العقاري الشهري.  
    اقرأ المزيد (باللغة الإنكليزية)


    تأمين الرهن العقاري الخاص (PMI)

    تأمين الرهن العقاري الخاص (PMI) هو نوع من تأمين الرهن العقاري يعود بالفائدة على المُقرض الخاص بك. قد يُطلب منك الدفع مقابل تأمين الرهن العقاري الخاص (PMI) إذا كانت الدفعة الأولى أقل من 20 في المائة من قيمة العقار وكان لديك قرض تقليدي. قد تتمكن من إلغاء تأمين الرهن العقاري الخاص (PMI) بمجرد تراكم مبلغ معين من حصة الملكية في منزلك.

    فهم المزيد عندما يكون تأمين الرهن العقاري الخاص (PMI) مطلوبًا



    رسوم الفائدة المدفوعة مقدمًا (Prepaid interest charges)

    رسوم الفائدة المدفوعة مقدمًا هي الرسوم المستحقة عند الإغلاق لأي فائدة يومية مستحقة على قرضك بين تاريخ إغلاق قرض الرهن العقاري الخاص بك والفترة التي يغطيها أول دفعة شهرية للرهن العقاري.
    اقرأ المزيد (باللغة الإنكليزية)


    غرامة الدفع المسبق (Prepayment penalty)

    غرامة الدفع المسبق هي رسوم يفرضها بعض المقرضين إذا سددت كل رهنك العقاري مبكرًا أو جزء منه. إذا كان لديك غرامة الدفع المسبق، كنت قد وافقت على هذا عندما أغلقت في منزلك. ليس كل الرهون العقارية لها غرامة الدفع المسبق.



    المبلغ الأساسي (Principal)

    المبلغ الأساسي هو مبلغ قرض الرهن العقاري الذي يتعين عليك سداده. تتضمن دفعتك الشهرية جزءًا من هذا المبلغ الأساسي. عندما يتم السداد على المبلغ الأساسي، يكون المقترض مدينًا أقل، وسيدفع فائدة أقل بناءً على حجم القرض الأقل.

    فهم الفرق بين سعر الفائدة والمبلغ الأساسي.



    الضرائب العقارية (Property taxes)

    الضرائب العقارية هي ضرائب تفرضها السلطات القضائية المحلية، عادةً على مستوى المقاطعة، بناءً على قيمة العقارات الخاضعة للضريبة. في كثير من الأحيان، يتم تحصيل ضرائب العقارات ضمن مدفوعات الرهن العقاري الشهرية لمالك المنزل، ثم يتم دفعها إلى الولاية القضائية ذات الصلة مرة واحدة أو أكثر كل عام. هذا يسمى حساب الضمان. إذا لم يكن للقرض حساب ضمان، فسيقوم صاحب المنزل بدفع ضرائب العقار مباشرة.

    تعرف على المزيد حول عملية شراء المنزل.


    الرهن العقاري المؤهل (Qualified mortgage)

    الرهن العقاري المؤهل هو فئة من القروض التي لها ميزات معينة وأكثر استقرارًا تساعد في زيادة احتمالية قدرتك على تحمل القرض. اقرأ المزيد (باللغة الإنكليزية).



    طلب كتابي مؤهل ((QWR) Qualified Written Request)

    الطلب الكتابي المؤهل، أو QWR، هو مراسلات مكتوبة يمكن أن ترسلها أنت أو أي شخص يتصرف نيابة عنك إلى مقدم خدمات الرهن العقاري الخاص بك. بدلاً من الطلب الكتابي المؤهل، يمكنك أيضًا إرسال إشعار خطأ أو طلب معلومات إلى مقدم الخدمة.
    اقرأ المزيد (باللغة الإنكليزية)


    خطة السداد (Repayment plan)

    خطة السداد هي طريقة منظمة لتعويض مدفوعات قروض الرهن العقاري الفائتة خلال فترة زمنية معينة. هذا نوع من أنواع تخفيف الخسارة. إذا كنت تواجه مشكلة في سداد أقساط الرهن العقاري، فقد يسمح لك المُقرض أو مقدم الخدمة بالدخول في خطة السداد. قبل الدخول في خطة السداد، تأكد من فهمك لمتطلبات الخطة وما إذا كنت ستتمكن من سداد المدفوعات الجديدة.



    الرهن العقاري العكسي (Reverse mortgage)

    يسمح الرهن العقاري العكسي لأصحاب المنازل الذين يبلغون من العمر 62 عامًا أو أكثر بالاقتراض مقابل ملكية منازلهم. يطلق عليه الرهن العقاري "العكسي" لأنه بدلاً من سداد المدفوعات للمقرض، فإنك تتلقى أموالاً من المُقرض. تزيد الأموال التي تتلقاها والفائدة المفروضة على القرض من رصيد القرض الخاص بك كل شهر. تسمى معظم الرهون العقارية العكسية اليوم HECMs، وهي اختصار لرهن تحويل ملكية المنازل.

    تعرف على ما يجب عليك مراعاته قبل التقدم بطلب للحصول على قرض عقاري عكسي.



    حق الفسخ (Right of rescission)

    يشير حق الفسخ إلى حق المستهلك في إلغاء أنواع معينة من القروض. إذا كنت تشتري منزلًا برهن عقاري، فلا يحق لك إلغاء القرض بمجرد توقيع مستندات الإغلاق. ومع ذلك، إذا كنت تقوم بإعادة تمويل رهن عقاري، فلديك حتى منتصف ليل يوم العمل الثالث بعد الصفقة لفسخ (إلغاء) عقد الرهن العقاري. لا تبدأ الساعة المكونة من ثلاثة أيام حتى توقع عقد الائتمان (يُطلق عليه عادةً السند الإذني)، وتتلقى نموذج إفصاح عن الحقيقة في الإقراض وتتلقى نسختين من إشعار يشرح حقك في الفسخ.



    الرهن العقاري الثاني (Second mortgage)

    الرهن العقاري الثاني أو الرهن الأصغر هو قرض تحصل عليه باستخدام منزلك كضمان بينما لا يزال لديك قرض آخر مضمون بمنزلك.

    تعلم المزيد عن الرهون العقارية الثانية.



    فائدة الضمان (Security interest)

    فائدة الضمان هي ما يسمح للمقرض بحجز الرهن إذا لم تسدد الأموال التي اقترضتها.
    اقرأ المزيد (باللغة الإنكليزية)


    تمويل البائع (Seller financing)

    تمويل البائع هو قرض يقدمه لك بائع منزلك.
    اقرأ المزيد (باللغة الإنكليزية)


    مقدم الخدمة (Servicer)

    مقدم خدمة الرهن العقاري الخاص بك هي الشركة التي ترسل لك كشوفات الرهن العقاري الخاصة بك. يتولى مقدم الخدمة أيضًا المهام اليومية لإدارة قرضك.

    يقوم مسؤول مقدم خدمة القرض الخاص بك بمعالجة مدفوعات القرض الخاصة بك، والاستجابة لاستفسارات المقترض، وتتبع المبلغ الأصلي والفائدة المدفوعة، وإدارة حساب الضمان الخاص بك (إذا كان لديك حساب). يجوز لصاحب القرض الشروع في الحجز على الرهن العقاري في ظل ظروف معينة. قد يكون مقدم الخدمة نفس الشركة التي منحتك القرض في الأصل وقد لا تكون كذلك.



    الرهن العقاري المشترك (Shared appreciation mortgage)

    بموجب الرهن العقاري المشترك، فإنك توافق على منح المقرض الخاص بك حصة من أي زيادة في قيمة منزلك.
    اقرأ المزيد (باللغة الإنكليزية)


    البيع على المكشوف (Short sale)

    البيع على المكشوف هو بيع منزلك بأقل مما تدين به على رهنك العقاري. البيع على المكشوف هو بديل للحجز على الرهن العقاري، ولكن لأنه بيع، سيتعين عليك مغادرة منزلك. إذا وافق المقرض أو مقدم الخدمة الخاص بك على البيع على المكشوف، فقد تتمكن من بيع منزلك لسداد الرهن العقاري الخاص بك، حتى إذا كان سعر البيع أو العائدات أقل من الرصيد المتبقي على الرهن العقاري الخاص بك. البيع على المكشوف هو أحد أنواع تخفيف الخسارة. إذا كنت تعيش في ولاية تكون فيها مسؤولاً عن أي عجز، وهو الفرق بين قيمة العقار الخاص بك والمبلغ الذي لا تزال مدينًا به لقرض الرهن العقاري الخاص بك، فستحتاج إلى مطالبة المقرض الخاص بك بالتنازل عن العجز. إذا تنازل المُقرض عن العجز، احصل على التنازل كتابيًا واحتفظ به في سجلاتك.



    قرض عقاري عالي المخاطر (Subprime mortgage)

    عندما يستخدم المقرضون المصطلح، فإنهم يقصدون عمومًا برنامج قروض للمقترضين غير المؤهلين للحصول على قرض رئيسي، غالبًا بمعدل فائدة أعلى.

    تعرف على المزيد حول عملية شراء المنزل.



    المسح (Survey)

    المسح هو رسم لعقارك يوضح موقع الأرض والمنزل وأي بنايات أخرى، بالإضافة إلى أي تحسينات على العقار.
    اقرأ المزيد (باللغة الإنكليزية)


    رسوم خدمة الملكية (Title service fees)

    رسوم خدمة الملكية هي جزء من تكاليف الإغلاق التي تدفعها عند الحصول على قرض عقاري. عندما تشتري منزلًا، تتلقى مستندًا غالبًا ما يسمى صك، والذي يُظهر أن البائع قد نقل ملكيته القانونية أو "سند ملكية" المنزل إليك. رسوم خدمة الملكية هي التكاليف المرتبطة بإصدار بوليصة تأمين ملكية للمقرض.
    اقرأ المزيد (باللغة الإنكليزية)


    إجمالي نسبة الفائدة ((TIP) Total interest percentage)

    إجمالي نسبة الفائدة (TIP) عبارة عن بيان يخبرك بمقدار الفائدة التي ستدفعها طوال مدة قرض الرهن العقاري الخاص بك.
    اقرأ المزيد (باللغة الإنكليزية)


    مجموع المدفوعات (Total of payments)

    يخبرك هذا الرقم بالمبلغ الإجمالي للمال الذي ستدفعه على مدار فترة الرهن العقاري.
    اقرأ المزيد (باللغة الإنكليزية)


    TRID

    TRID "" هو اختصار يستخدمه بعض الأشخاص للإشارة إلى قاعدة الإفصاح المتكامل لـ .TILA RESPA
    اقرأ المزيد (باللغة الإنكليزية)


    قرض إدارة الزراعة الأمريكية (USDA) (USDA Loan)

    تقدم خدمة الإسكان الريفي، وهي جزء من إدارة الزراعة الأمريكية (USDA) برامج الرهن العقاري بدون دفعة أولى وأسعار فائدة مواتية بشكل عام لمشتري المنازل في المناطق الريفية الذين يستوفون متطلبات الأهلية للدخل في إدارة الزراعة الأمريكية.

    تعرف على هذا الخيار وغيره من برامج القروض الخاصة.



    قرض إدارة شؤون المحاربين القدامى (VA) (VA loan)

    قرض إدارة شؤون المحاربين القدامى (VA)  هو برنامج قرض تقدمه إدارة شؤون المحاربين القدامى (VA) لمساعدة العسكريين، والمحاربين القدامى، والأزواج الباقين على قيد الحياة المؤهلين على شراء المنازل. لا تقدم إدارة شؤون المحاربين القدامى القروض ولكنها تحدد القواعد لمَن يحق لهم التأهل وشروط الرهن العقاري. يضمن قرض إدارة شؤون المحاربين القدامى (VA)  جزءًا من القرض لتقليل مخاطر الخسارة للمقرض. القروض متاحة بشكل عام للإقامة الأولية فقط.

    إذا كنت من المحاربين القدامى، فاكتشف ما إذا كان قرض إدارة شؤون المحاربين القدامى (VA) مناسبًا لك.

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    + An official website of the + United States government +
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    Shopping for a mortgage (in Arabic)
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    التسوّق من أجل البحث عن رهن عقاري

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    التسوّق من أجل البحث عن رهن عقاري يستهلك وقتا وطاقة، ولكنه يمكن أن يوفر لك آلاف الدولارات. فاجعل من أهدافك المقارنة ما بين لا يقل عن ثلاثة عروض للرهون العقارية المقدمة من مقرضين مختلفين.

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    في هذه الصفحة:

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    احصل على الموافقة المبدئية من ثلاثة مقرضين على الأقل

    الإنترنت والصحف هي مكان جيد لبدء البحث عن مقرضي الرهون العقارية. اتصل بالبنوك والاتحادات الائتمانية والمنظمات التي قد تكون متخصصة في وضعك - مثل مشتريي المنازل لأول مرة أو قدامى المحاربين أو موظفي الخدمة العامة أو غيرهم.

    اطلب من ثلاثة مقرضين مختلفين على الأقل إعطاءك الموافقة المسبقة. فهذا يعني أن المقرض ينظر إلى وضعك المالي، بما في ذلك تقرير الائتمان الخاص بك، ويقدر المبلغ الذي يمكنك اقتراضه وما سعر الفائدة الذي ستدفعه على الأرجح. تسمح لك الموافقة المسبقة بتجربة كل مُقرض لمعرفة نوع القروض والأسعار التي يقدمها. عندما تحصل على جميع الموافقات المسبقة الثلاث خلال فترة زمنية قصيرة، ينبغي ألا يكون هناك تأثير كبير على درجة التصنيف الائتماني الخاصة بك.

    سوف تعود إلى هؤلاء المقرضين عندما تكون اتخذت بعض القرارات، واطلب منهم عروض لقروض.

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    التسوّق من أجل إيجاد القروض المناسبة من حيث المدة وهياكل أسعار الفائدة والبرامج

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    مدة القرض: الأطول أم الأقصر

    بصفة عامة يكون القرض الأطول أجلا أكثر تكلفة على مدى عمر القرض، ولكن أقساطك الشهرية عادة ما تكون أقل. قد يكون بإمكانك التفاوض مع المقرض الذي تتعامل معه على قرض بمدة مختلفة، مثل 20 سنة أو 7 سنوات أو حتى أطول من 30 سنة.

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    معظم مشتريي البيوت يختارون قروضا تسدد على 30 سنة لأن الأقساط يمكن أن تكون منخفضة.

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    الأقساط عادة ما تكون أكبر من أقساط القروض المسددة على 30 سنة، ولكن القرض يتم تسديده بالكامل بعد 15 سنة وإجمالي تكلفة القرض يمكن أن تكون أقل.

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    هيكل سعر الفائدة على القرض: سعر ثابت أم سعر متغير

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    القروض الأكثر انتشارا هي القروض ذات سعر الفائدة الثابت. فقد يكون المبلغ الأولي الذي تدفعه في القروض ذات سعر القائدة المتغير أقل ولكن إذا ارتفعت أسعار الفائدة فأنت قد تواجه زيادة كبيرة في الأقساط الشهرية التي تدفعها.

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    سيظل كلا سعر الفائدة والقسط الشهري ثابتين على مدى عمر القرض.

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    في العادة يظل سعر الفائدة ثابتا للسنوات القليلة الأولى من عمر القرض، وبمجرد أن تنتهي فترة السعر الثابت يتغير السعر على فترات منتظمة بناء على "مؤشر" ، وهذا المؤشر هو قياس لأسعار الفائدة بشكل عام ويعكس التوجهات في الاقتصاد ككل. وهذا يعني أن القسط الذي تدفعه يمكن أن يزيد أو ينخفض. وتدخل تفاصيل ذلك في تثمين القرض الذي تتلقاه من المقرض.

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    برنامج القروض: التقليدي أو قروض الإدارة الفيدرالية للإسكان (FHA) أو قروض إدارة المحاربين القدماء (VA)أو برنامج خاص

    توجد برامج كثيرة للإقراض وبعضها مصممة بحيث تساعد على إتاحة الرهون العقارية للناس الذين لديهم ظروف معينة أو يكونون ضمن مجموعات معينة.

    هل ستدفع عربونا قدره 5٪ أو أكثر؟

    اسأل عن القروض المؤهلة لدعم مؤسسة فاني ماي (Fannie Mae) أو فريدي ماك (Freddie Mac) التي كثيرا ما تسمى بالقرض "التقليدي" .

    هل ستدفع عربونا صغيرا فحسب؟

    اسأل عن القروض المؤمـّنة من قبل الإدارة الاتحادية للإسكان (FHA).

    هل أنت فرد من أفراد القوات المسلحة أو من المحاربين القدامى؟

    اسأل عن القروض المضمونة من قبل وزارة شؤون المحاربين القدامى (VA).

    هل ستشتري بيتا في منطقة ريفية؟

    اسأل عن القروض المدعومة من قبل وزارة الزراعة الأمريكية (USDA).

    هل أنت تشتري بيتا لأول مرة ودخلك منخفض أو معتدل؟

    اسأل عن القروض المتوفرة عن طريق وكالة تمويل الإسكان التابعة للولاية التي تسكن فيها.

    قارن ما بين العروض المختلفة للقروض

    والآن وقد حان الوقت لبدء عملية تقديم الطلب الرسمية. فاطلب من المقرضين الذين تتعامل معهم أن يقدموا لك عروضهم للقروض التي تعكس اختياراتك لنوع القرض وبرنامجه ومدته. ثم سيكون باستطاعتك إجراء المقارنات السليمة بين أشياء مماثلة لبعضها البعض.

    أولا قارن بين الأجزاء الأساسية للقرض:

    • ما مدة القرض؟
    • ما سعر الفائدة؟
    • ما مبلغ العربون الذي يـُعرض على أساسه القرض؟
    • ما مبلغ القسط الشهري؟
    • بالنسبة للرهون العقارية ذات أسعار الفائدة الثابتة هل هناك حد أعلى للتغيرات في مبلغ الأقساط وسعر الفائدة؟ وهل ينخفض سعر الفائدة إذا هبطت أسعار الفائدة في الأسواق؟

    بعد ذلك قارن ما بين باقي التفاصيل التي يمكن أن تؤثر على تكلفتك:

    • متى ستنتهي أقساطي من تسديد المبلغ الأساسي للقرض؟
    • هل ستتغير الأقساط الشهرية على مدى عمر القرض؟ إلى أي مدى يمكن أن يرتفع القسط الشهري الذي أدفعه؟
    • هل القسط الشهري الذي أدفعه يشمل الضرائب العقارية والتأمين؟ وإذا لم يكن فهل أستطيع أن أتحمـّل دفعها بشكل منفصل؟
    • ما هي التكاليف والرسوم التي ستضاف إلى المبلغ الأولي الذي سأدفعه؟ وهل ستضاف إلى أقساطي الشهرية المنتظمة؟
    • هل يتوجب عليّ دفع نقاط (الرسوم التي تـُدفع مقدما ولتخفيض سعر الفائدة الذي تدفعه)؟
    • ما هي الرسوم والتكاليف المشمولة في المبلغ الذي اقترضه (نموذجي للقروض المسماة "بدون تكاليف إتمام البيع")؟
    • هل العرض المكتوب يطابق ما قيل لي عن القرض شفويا؟
    • هل أستطيع الحصول على صفقة أفضل لخدمات التسوية من مقدمي خدمات مختلفين؟
    • هل أستطيع تسديد القرض مبكرا، أو دفع أقساط أكبر من الأقساط المجدولة، بدون غرامة؟

    اطلب صفقة أفضل

    بمجرد أن ترى العروض المقدمة من عدة مقرضين اسأل ما إذا كان من الممكن أن يقدموا لك شيئا أفضل. فالتفاوض معهم مسألة عادية وشائعة ولا ضرر في السؤال. فقد يستطيع المقرض إعفاءك من أحد الرسوم أو أكثر أو تخفيضه، أو خفض سعر الفائدة أو النقاط.

    تأكد من أن المقرض لا يخفـّض أحد الرسوم وفي نفس الوقت يزوِّد رسما آخر، أو يخفـّض سعر الفائدة المعروض عليك وفي نفس الوقت يزوِّد نقاطك؟

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    Shopping for your auto loan (in Arabic)
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    التسوق للحصول على قرض سيارة لك

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    التسوق للحصول على قروض ومحاولة الحصول على أفضل الأسعار والشروط الأخرى، رغم تعقيدها، يشبه الأنواع الأخرى من التسوق بمقارنة الأسعار. لذلك فإن التسوق في وقت مبكر سيجعلك على استعداد للتفاوض بشأن قرض السيارة الخاص بك ويجعل العملية أقل إرهاقًا.

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    استعد قبل التقدم بطلب للحصول على قرض سيارة

    ستكون في وضع أفضل للتسوق والمساومة للحصول على قرض سيارة إذا اتبعت هذه الخطوات قبل التقدم بطلب للحصول على قرض.

    تحقق من تقرير الائتمان الخاص بك

    تحدد المعلومات الواردة في تقرير الائتمان الخاص بك درجاتك الائتمانية. وتلعب درجتك الائتمانية دورًا كبيرًا في تحديد نوع قرض السيارة الذي يمكنك الحصول عليه، ومقدار الفائدة التي ستدفعها مقابل القرض. فيما يلي بعض الموارد المفيدة:

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    هل تحتاج إلى مُوقِّع مشارك؟

    المُوقِّع المشارك هو شخص - مثل أحد الوالدين أو أحد أفراد الأسرة أو صديق - ملزم تعاقديًا بسداد القرض تمامًا مثلك. إذا كان سجلك الائتماني محدودًا أو يحتاج إلى تحسين، وكانت درجتك الائتمانية منخفضة (أو ليس لديك درجة ائتمانية)، فمن الممكن أن يكون معدل الفائدة الخاص بك أقل بكثير إذا كان لديك مُوقِّع مشارك يتمتع بائتمان جيد أو ممتاز. وذلك لأن المُقرض سيعتمد على السجل الائتماني والدرجة الائتمانية للمُوقِّع المشارك عند اتخاذ القرار بشأن منح القرض.

    إذا كنت تفكر في أن يكون لديك مُوقِّع مشارك، فيجب أن تفكر أنت والمُوقِّع المشارك المحتمل بعناية في هذا القرار. إذا لم تسدد قرضك، فستكون أنت والمُوقِّع المشارك مسؤولين عن السداد. وهذا مع اعلم أن المُوقِّع المشارك يعتبر مسؤولاً عن القرض، حتى لو لم يكن له الحق في حيازة السيارة. بالإضافة إلى ذلك، فإن أي مدفوعات متأخرة يتم سدادها على القرض ستؤثر على كل من سجلك الائتماني ودرجتك الائتمانية وأيضا السجل الائتماني والدرجة الائتمانية للمُوقِّع المشارك. يحظر القانون الفيدرالي عمومًا على المُقرض من مطالبتك بأن يكون لديك مُوقِّع مشارك وذلك إذا تقدمت بطلب للحصول على قرض بشكل فردي وكنت مؤهلاً وفقًا لمعايير المقرض للجدارة الائتمانية للحصول على القرض. لمزيد من المعلومات حول التوقيع المشترك، تفضل بزيارة الموقع الإلكتروني consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    تحقق من أسعار الفائدة الحالية على قروض السيارات

    يمكنك البحث عن الأسعار عن طريق الاتصال بعدة بنوك أو اتحادات ائتمانية أو مقرضين آخرين. يمكنك أيضًا البحث عبر الإنترنت في العديد من المواقع التجارية التي قد تعطيك تقديرًا لمعدلات الفائدة على الصعيد الوطني ومن خلال الرمز البريدي الخاص بك. ستربطك بعض المواقع التجارية بمقرضين وتجار محددين للحصول على تقديرات، لذلك قد ترغب في توخي الحذر عند إدخال معلوماتك الشخصية.

    فكّر في دفع عربون

    إذا دفعت عربونا فإن ذلك سيخفض المبلغ الإجمالي الذي تموله لأنه سيتعين عليك اقتراض أموال أقل. وكلما كان مبلغ العربون أكبر، كلما انخفضت التكلفة الإجمالية للقرض.

    قرر ما إذا كنت تريد استبدال سيارتك الحالية

    إذا كنت تمتلك سيارة بالفعل، فابحث عن قيمتها لمعرفة المبلغ الذي قد تحصل عليه من عملية مبادلة أو بيع خاص. يمكنك البحث عن القيمة التقريبية باستخدام مواقع الويب التجارية عبر الإنترنت مثل Consumer Reports و Edmunds و Kelley Blue Book و J.D. Power و online classifieds (الإعلانات المبوبة على الإنترنت). قد تكون هذه الموارد متاحة أيضًا في مكتبتك المحلية. سيساعدك العثور على أمثلة لسيارات مماثلة تم بيعها مؤخرًا في منطقتك على معرفة السعر العادل.

    بمجرد أن تعرف قيمة سيارتك الحالية بالتقريب، يمكنك أن تقرر ما إذا كنت تريد استبدالها أو بيعها بنفسك. إذا قمت باستبدالها لدى أحد الوكلاء، فستقرر أنت والتاجر القيمة التي ستُخصم من سعر شراء سيارتك التالية. إذا قمت ببيعها بنفسك، فيمكنك استخدام الأموال التي تحصل عليها كعربون.

    إذا كان لديك قرض حالي على سيارتك التي تريد ا استبدالها، ففكّر في وضعك بعناية

    فكر جيدًا فيما إذا كنت ستتحمل ديونًا جديدة بالإضافة إلى ديونك الحالية. فيما يلي بعض الاعتبارات والخطوات:

    • اعرف من من المقرض الحالي ما هو مبلغ السداد، وهو المبلغ المطلوب دفعه لسداد القرض الحالي، قبل الذهاب إلى الوكالة.
    • حدد ما إذا كنت ستسدد قرضك الحالي الآن، وانتظر حتى تسدد قرض السيارة القديم قبل أن تقترض لسيارة أخرى، أو قم بتضمين المبلغ الذي لا تزال مدينًا به لسيارتك الحالية في قرض سيارتك الجديدة.
    • إذا كنت مدينًا لسيارتك الحالية بأكثر مما تستحق - يشار إليه على أنه مقلوب - فهذا يعني أن لديك رصيدًا سلبيًا. إذا قمت بتدوير رصيد قرض السيارة الحالي الخاص بك إلى قرض السيارة الجديد، فقد يؤدي ذلك إلى زيادة تكلفة قرض السيارة الجديد. ستكون التكلفة الإجمالية لقرضك أعلى لأنك ستقترض أكثر من مجرد سعر سيارتك الجديدة.
    • بعد البحث عن قيمة التي ستعود إليك من استبدال سيارتك ، إذا كان المبلغ الذي لا تزال مدينًا به في عملية الاستبدال أقل مما يستحق، فتأكد أثناء أي مفاوضات من التفكير فيما إذا كنت ستحصل على قيمة عادلة لسيارتك التي تستبدلها وأنك قادر على سداد قرض السيارة القديم بالكامل.
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    هل ما زلت مدينًا بالمال على سيارتك التي تريد استبدالها ؟

    إذا كنت تفكر في ترحيل رصيد القرض القديم إلى قرضك الجديد، فتأكد من فهم كيف سيؤثر ذلك على التكلفة الإجمالية لقرضك الجديد. انظر بعناية إلى التكلفة الإجمالية للقرض الجديد بما في ذلك المبلغ المقترض ومعدل النسبة المئوية السنوي (APR) وسعر الفائدة ومدة القرض (بالأشهر) والقسط الشهري - قبل الموافقة على أي شيء. إذا لم تقم بترحيل المبلغ الذي لا تزال مدينًا به لسيارتك القديمة إلى القرض الجديد، واحتفظت بسيارتك الحالية أثناء شراء سيارة جديدة، فسيكون لديك قرضان وقسطان شهريان عليك دفعهما. في كلتا الحالتين، قد ترغب في التفكير فيما إذا كان من المنطقي المضي قدمًا في المعاملة وشراء السيارة التالية إذا كنت لا تزال مدينًا بالمال على سيارتك التي تريد استبدالها. لمزيد من المعلومات، يرجى زيارة الموقع الإلكتروني consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    فكر في الإضافات الاختيارية مسبقًا

    عندما تذهب إلى تاجر سيارات، ففي الغالب ستُعرض عليك منتجات وخدمات إضافية للسيارة أو للقرض. فمن المستحسن أن تفكر في هذه الإضافات مسبقًا، بحيث تقلل من الأمور التي تسبب لك أي قلق في الوكالة، وتكون لديك إجابات جاهزة عندما يُطلب منك شراء هذه الإضافات. وتشمل الإضافات الشائعة ما يلي:

    هذه المنتجات والخدمات التي يمكنك تمولها اختيارية. إذا قمت بشرائها فإن السعر قابل للتفاوض. إذا كنت تعتقد أنك تريد شراء هذه المنتجات أو الخدمات، فتسوق. على سبيل المثال، قد تقدم شركة التأمين على السيارات الخاصة بك تأمين GAP أو تأمين الائتمان أو بدائل أخرى. وإذا قمت بتمويل الإضافات الاختيارية كجزء من قرضك، سيزداد المبلغ الذي تقترضه وتدفعه.

    الآن وبعد أن قمت بجمع كل ما يجب من معلومات، فأنت على استعداد لاتخاذ الخطوة التالية: التسوق للحصول على قرض السيارة. استخدم ورقة عمل قرض السيارة الموجودة بالموقع consumerfinance.gov لتتبع شروط القرض ومقارنة اختياراتك. وخذ ورقة العمل معك إلى البنك، والاتحاد الائتماني، والمقرض الآخر، والوكالة حتى تتمكن من مقارنة خيارات القروض المعروضة عليك والحصول على أفضل صفقة لك.

    تسوق للحصول على قرض سيارة

    أنت الآن جاهز لبدء التسوق للحصول على قرض. قبل أن تتوجه إلى الوكالة، اجمع معلوماتك الشخصية وفكر في الحصول على موافقة مسبقة للحصول على قرض.

    فالتسوق في وقت مبكر سيجعلك على استعداد للتفاوض بشأن قرض السيارة الخاص بك وسيجعل العملية أقل إرهاقًا.

    اجمع معلوماتك الشخصية

    عندما تتجه إلى بنك أو اتحاد ائتماني أو وكالة، تأكد من جمع جميع المعلومات التي ستحتاج إليها. سيطلب المقرضون بشكل عام هذه المعلومات في طلب القرض:

    • الاسم
    • رقم الضمان الاجتماعي أو ITIN (رقم تعريف دافع الضريبة للفرد)
    • تاريخ الميلاد
    • العنوان الحالي والسابق (العناوين الحالية والسابقة) ومدة الإقامة
    • صاحب العمل الحالي والسابق (أصحاب العمل الحاليون والسابقون) وطول مدة التوظيف
    • المهنة
    • مصادر الدخل
    • إجمالي الدخل الشهري الكلي
    • المعلومات المالية عن حسابات الائتمان الجارية، بما في ذلك الديون الأخرى

    احصل على موافقة مسبقة للحصول على قرض

    يعد الحصول على عرض أو سعر لقرض تمت الموافقة عليه مسبقًا شاملا الحد الأقصى لمبلغ القرض وسعر الفائدة من بنك أو اتحاد ائتماني أو مقرض آخر مكانًا جيدًا للبدء. إذا حصلت على عرض لسعر قرض من مقرض إلى التاجر، فقد تكون في وضع أقوى للمساومة والحصول على صفقة أفضل، سواء التزمت بالعرض الذي أحضرته معك أو قررت قبول عرض التمويل المقدم من التاجر.

    تساعدك الموافقة المسبقة أيضًا على البقاء في حدود ميزانيتك وتسمح لك بمقارنة أسعار الفائدة دون ضغوط الوقت التي قد تشعر بها بمجرد أن تكون في الوكالة. ثم في الوكالة، يمكنك التركيز أكثر على السعر الفعلي للسيارة وسيارتك التي تريد استبدالها لأنك ستكون على دراية مسبقة بشروط القرض الذي يمكنك الحصول عليها. وسيظل لديك خيار التفاوض على قرض أفضل في الوكالة وعدم استخدام الموافقة المسبقة التي حصلت عليها.

    إذا تمت الموافقة على طلبك مسبقًا، فسيقوم المُقرض بإعطائك المستندات اللازمة لأخذها إلى ا الوكالة. وبمجرد أن تكون مستعدًا للشراء، سيقوم التاجر بعمل الترتيبات النهائية مع المُقرض الخاص بك.

    افهم كيف يؤثر التسوق للحصول على قرض على درجتك الائتمانية

    التسوق من أجل الحصول على أفضل صفقة لقرض سيارة عامة لا يكون له أي تأثير يُذكر على درجاتك الائتمانية. فإن فائدة التسوق ستفوق بكثير أي تأثير على درجتك (درجاتك) الائتمانية. في بعض الحالات، قد يؤدي التقدم بطلب للحصول على قروض متعددة على مدى فترة زمنية طويلة إلى خفض درجتك (درجاتك) الائتمانية. واعتمادًا على النموذج المستخدم لتحديد الدرجة الائتمانية ، بشكل عام، فإن أي طلبات أو استفسارات من جانب هؤلاء المقرضين للحصول على درجتك (درجاتك) الائتمانية والتي حدثت في غضون فترة زمنية تتراوح من 14 يومًا إلى 45 يومًا سيتم احتسابها كاستعلام واحد فقط. وهذا يعني أن التسوق للحصول على قرض سيارة خلال تلك الفترة الزمنية سيحتسب مثله مثل التقدم بطلب للحصول على قرض واحد فقط. يمكنك التقليل إلى الحد الأدنى من أي تأثير سلبي على درجتك الائتمانية عن طريق القيام بكل ما تبذله من التسوق للحصول على أفضل الأسعار في فترة زمنية قصيرة.

    اعرف حقوقك

    لا يجوز لمُقرض تثبيطك أو رفض طلبك للحصول على ائتمان، أو عرض أسعار مختلفة أو شروط وأحكام أخرى للقرض، بناءً على العرق أو اللون أو الدين أو الأصل القومي أو الجنس أو الحالة الاجتماعية أو السن أو تلقي دخل المساعدة العامة، أو ممارسة بحسن نية لأي حق بموجب قانون حماية ائتمان المستهلك.

    يمكنك التبليغ عن الاحتيال عبر الإنترنت لدى لجنة التجارة الفيدرالية (Federal Trade Commission, FTC) على الموقع reportfraud.ftc.gov أو إرسال شكوى إلى مكتب الحماية المالية للمستهلكين (Consumer Financial Protection Bureau, CFPB)) على الموقع consumerfinance.gov/complaint أو عن طريق الاتصال هاتفيا على الرقم المجاني 1-855-411-CFPB (2372).

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    English
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    On your side through life’s financial moments

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    We’re the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions.


    On this page:

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    Money topics and key terms

    Browse by money topic to find answers to commonly-asked financial questions. Learn the basics, understand key terms, and find ways to take action when you have an issue.

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    Guides

    Shopping for an auto loan? Learn about what questions to ask and how to prepare.

    Shopping for your auto loan

    Key terms

    Understand key terms related to auto loans in English.

    Explore key terms

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    Guides

    When choosing and using your bank or credit union account, it’s important to know your options.

    Checklist for opening a bank or credit account

    Selecting financial products and services


    Key terms

    Understand key terms related to bank accounts in English.

    Explore key terms

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    Guides

    Here are resources to help you manage your credit cards.

    Act fast if you can’t pay your credit cards

    KEY TERMS

    Whether you’re shopping for a new card or managing an existing one, it’s helpful to understand key terms related to credit cards.

    Explore key terms

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    GUIDES

    Your credit reports and scores have an impact on your finances. Our resources can help you better understand them, learn how to correct errors, and improve your credit record over time.


    KEY TERMS

    Understand key terms related to credit reports and scores in English.

    Explore key terms

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    GUIDES

    Debt collection issues can be challenging, but you have rights.

    Know your rights when a debt collector calls

    KEY TERMS

    Understand key terms related to debt collection in English.

    Explore key terms

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    KEY TERMS

    Losing money or property to fraud and scams can be devastating. Understanding the key terms in English can help you prevent, recognize, and report scams and fraud.

    Explore key terms

    What to do if you think you've been scammed

    If you suspect a scam, there are a few important steps you should take right away.

    1. Contact your local police or sheriff’s office to report the scam.
    2. Contact your state attorney general. Visit the National Association of Attorneys General website for the contact information of each state attorney general.
    3. If the victim is an older person or a person with a disability, contact your local adult protective services agency. You can find your state or local agency that receives and investigates reports of suspected elder financial exploitation by using the online Eldercare Locator or calling (800) 677-1116.
    4. If you or someone you care about is the victim of a fraud, scam or financial exploitation, you can submit a complaint with the Federal Trade Commission.


    Because all scams are different, you might have to reach out to a number of other local, state, and federal agencies depending on your situation. Take a look at this guide on managing someone else’s money for more information on financial exploitation and scams.



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    GUIDES

    You have options for managing your budget and protecting your finances in case of emergency.

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    GUIDES

    Whether you’re thinking of buying a home, or are having trouble paying your mortgage, we have resources to help you every step of the way.


    KEY TERMS

    Understand key terms related to mortgages in English.

    Explore key terms

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    If you’re sending money to another country, you generally have federal protections.

    Learn what you can expect and what rights you have

    Sending money abroad

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    Submit a complaint about a financial product or service

    Each week we send more than 10,000 complaints about financial products and services to companies for response. If another agency would be better able to assist, we’ll send it to them and let you know. Most companies respond within 15 days.

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    See how the complaint process works

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    Watch this short video to find out what to include in your complaint and what will happen after you submit.

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    How to submit your complaint

    • Online (in English)
    • Or by phone at (855) 411-2372 for help in English, and 180 other languages. Calls are usually answered in less than 1 minute. Your complaint will be translated to English and sent to the company for response. When the company responds, they typically do so in English, but you can call us to hear a translated response.

    Find answers before you start a complaint

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    We currently accept complaints about:

    • Checking and savings accounts
    • Credit cards
    • Credit repair services
    • Credit reports and other personal consumer reports
    • Debt collection
    • Debt settlement
    • Money transfers, virtual currency, and money services
    • Mortgages
    • Payday loans
    • Personal loans like installment and title loans
    • Prepaid cards
    • Student loans
    • Vehicle loans or leases

    If you don't see the product or service you want to complain about listed, check out usa.gov to find other places to submit complaints. It includes ways to submit complaints about phone, internet, and cable companies as well as companies that sell other products and services and more.

    If you think you’ve been a victim of scam, there are a few important steps you should take right away.

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    Have you tried reaching out to the company? Companies can usually answer questions unique to your situation and more specific to the products and services they offer.

    Or, you can search for answers (in English) to consumers’ most frequently asked financial questions.

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    Before calling, write down what happened:

    • Include important dates, amounts, and communications you’ve had with the company
    • Provide complete contact information for the company. If we can’t send the complaint to that company, we’ll let you know what you can do next.

    Over the phone you will need to: 

    • Set up an account with your name, email address, and phone number 
    • Select the product and issue you're complaining about from a list
    • Tell us whether you tried to fix the issue with the company resolution
    • Tell us whether you tried to fix the issue with the company
    • Identify the company you're complaining about
    • Provide your address
    • Acknowledge that the information you provide is true and that you understand that the CFPB cannot act as my lawyer, a court of law, or a financial advisor.


    You will also have the option—but are not required—to provide your account and demographic information

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    • We’ll share your complaint with the company so it can review and respond to the issues you’ve described.
    • If we can’t send your complaint to the company for response, we’ll send it to another federal agency and let you know.
    • The CFPB takes a privacy-first approach when it comes to your personal information. Therefore, your information is only available to certain local, state, and federal agencies that oversee consumer finance law and sign a confidentiality and data security agreement for access.

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    Your complaint goes through several steps that help you get a response and help us identify problems in the marketplace.

    1. Complaint submitted

    You submit a complaint, or another government agency forwards your complaint to us. You will receive email updates and can check the status of your complaint.

    2. Route

    We'll send your complaint directly to the company so it can review the issues in your complaint. If we find that another government agency would be better able to assist, we will send your complaint to them and let you know.

    3. Company response

    The company will communicate with you as needed and respond to the issues in your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days.

    4. Complaint published

    We publish information about your complaint (without information that directly identifies you) in our public Consumer Complaint Database. With your consent we also publish your description of what happened, after taking steps to remove personal information. Learn more about how we share complaint data.

    5. Consumer review

    We will let you know when the company responds. You’ll be able to review the company’s response and will have 60 days to provide feedback about the company's response.

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    If you suspect a scam, there are a few important steps you should take right away.

    1. Contact your local police or sheriff’s office to report the scam.
    2. Contact your state attorney general. Visit the National Association of Attorneys General website for the contact information of each state attorney general.
    3. If the victim is an older person or a person with a disability, contact your local adult protective services agency. You can find your state or local agency that receives and investigates reports of suspected elder financial exploitation by using the online Eldercare Locator or calling (800) 677-1116.
    4. If you or someone you care about is the victim of a fraud, scam or financial exploitation, you can submit a complaint with the Federal Trade Commission.

    Because all scams are different, you might have to reach out to a number of other local, state, and federal agencies depending on your situation. Take a look at this guide on managing someone else’s money for more information on financial exploitation and scams.

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    Testimonials

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    Below are stories of how people like you were helped by the CFPB's submit a complaint process. You speaking up gives us important insight into the issues you face as a consumer.

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    “I can’t even tell you the number of times I’ve cried over my finances. I contacted the CFPB because I really needed someone else on my side. There’s nothing that I was doing with this private student loan service that was changing anything, and I was stuck in a position that felt hopeless to me. So, for me, it was all about finding someone that could actually make a difference … anytime I hear about people having trouble with other issues, I definitely point them in the direction of the CFPB.”

    – Dani

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    "I lost an apartment because of the bankruptcy still showing in my credit. After the ten years when the bankruptcy was supposed to be gone, I tried again for another apartment but before applying I wanted to make sure it was gone and it was still there. So I contacted them. I emailed them. I made several phone calls and they were not taking care of the issue … I thought about contacting the Better Business Bureau and they told me I should call the CFPB, and I was like let me try and I called and I was really surprised how quickly they took care of the issue. Within two weeks, everything was finalized, like a letter saying its gone and everything has been resolved from both parties. I like that there is a government agency at the federal level like the CFPB that will respond and will protect us consumers from, sometimes abusive behavior from financial institutions."

    – Jorge

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    Act fast if you can’t pay your credit cards (in Haitian Creole)
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    Aji vit si ou pa ka peye kat kredi ou yo

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    Aji touswit epi rele konpayi kat kredi w lan si ou panse ou pa ka peye peman minimòm nan sou kat kredi w lan.

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    Gen anpil konpayi kat kredi ki gen dwa dispoze ede ou si w ap fè fas a yon ijans finansye. Ou pa bezwen an reta nan peman ou yo pou mande yo ede ou!

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    Pa inyore pwoblèm nan

    Sa gen dwa lakòz pi gwo pwoblèm toujou, tankou:

    • To enterè pi wo
    • Peman minimòm pi wo
    • Pèdi privilèj sèvi ak kat ou a
    • Frè reta
    • Donmaj nan nòt kredi ou

    Men sa pou fè

    1. Adisyone lajan ki antre ak sa ou depanse

    Chèche fason pou redwi depans yo. Si ou pa ka jwenn ase pou peye peman minimòm ou an, deside konbyen ou ka peye.

    2. Rele konpayi kat kredi w lan

    Pa bliye eksplike klè:

    • Poukisa ou pa ka peye minimòm nan
    • Montan ou ka peye
    • Lè w ap ka rekòmanse peman nòmal ou yo

    3. Reflechi sou pran konsèy sou kredi

    Si ou bezwen plis èd, òganizasyon konsèy nan zafè kredi ki pa gen bi fè lajan yo ka montre ou kijan pou w jere lajan ou.

    Anvan ou enskri pou konsèy nan zafè kredi, mande si y ap fè ou peye, ki montan, ak ki sèvis y ap ba ou. Konseye nan zafè kredi w lan dwe pran tan aprann sitiyasyon finansye ou, epi ofri ede ou aprann kijan pou w amelyore li.

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    Pa gen solisyon fasil

    Gen konpayi ki fè lajan nan soulaje dèt ki di yo ka ede ou fin peye dèt ou yo “pou yon ti kras lajan.” Men anpil fwa, yo pa kenbe pwomès sa yo. Fè atansyon a tout òganizasyon soulajman dèt ki:

    • Fè ou peye anvan li regle dèt ou yo
    • Garanti li ka fè dèt ou a disparèt
    • Di ou sispann kominike ak pretè yo oswa konpayi kat kredi yo
    • Di ou sispann fè peman sou yon kat kredi oswa yon prè
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    Auto loan key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè prè pou achte machin

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    Valè Reyèl (ACV) (Actual Cash Value (ACV))

    Valè Kach Reyèl la (ACV) se valè machin nan dapre sous endepandan tout moun rekonèt tankou National Automobile Dealers Association (Asosyasyon Nasyonal Konsesyonè Machin nan) oswa Kelley Blue Book .

    Li plis (ann anglè)

    Amòtisman (Amortization)

    Amòtisman an dekri pwosesis fin peye prè pou achte machin ou an ofiyamezi. Nan yon prè amòtisab, pou chak peman ou fè nan yon mwa, gen yon pòsyon yo itilize pou peye montan prè a – kapital la – epi yo sèvi ak yon pòsyon nan peman an pou peye chaj finansye yo – enterè a.

    Li plis (ann anglè)

    To Enterè Anyèl (APR) (Annual Percentage Rate (APR))

    To Enterè Anyèl la (APR) se depans ou fè chak ane pou prete lajan, sa gen ladan frè yo, ki eksprime sou fòm pousantaj. APR la se yon mezi pi jeneral depans ou fè pou prete lajan poutèt li reflete non sèlman to enterè a men frè ou gen pou peye yo pou jwenn prè a tou. Plis APR la wo, plis w ap peye pandan dire prè a.

    APR ak to enterè yon prè pou achte machin se de (2) nan fason pi enpòtan yo pou mezire pri w ap peye a pou prete lajan an. Lwa federal sou Verite nan Prè a (TILA) egzije pretè yo pou yo aklè lè y ap ba ou kondisyon enpòtan yo, sa gen ladan APR la, anvan lalwa vin oblije ou pou w remèt prè a. Kòm tout pretè yo dwe bay APR la, ou ka sèvi ak APR la pou konpare prè pou achte machin yo. Annik verifye ke w ap konpare APR avèk APR men se pa avèk to enterè.

    Benefisyè (Assignee)

    Yon benefisyè se yon moun oswa yon konpayi ki achte prè pou achte machin ou an. Pa egzanp, yon konsesyonè ki ofri ou kredi gen dwa vann prè w lan bay yon bank, sa ki fè bank la vin benefisyè a. Se moun ki achte prè w la ou dwe lajan an. Benefisyè a gen dwa retansyon sou machin nan e li kapab sezi li si ou pa peye.

    Pri debaz (Base price)

    Pri debaz la se pri machin nan san opsyon.

    Li plis (ann anglè)

    To dacha (Buy rate)

    To dacha a se yon estimasyon to enterè yon pretè posib ap bay konsesyonè ou a lè ou mande pou konsesyonè a fè aranjman pou finansman pou ou.

    Li plis (ann anglè)

    Kosiyatè (Co-signer)

    Yon kosiyatè se yon moun—tankou yon paran, yon manm fanmi pwòch, oswa yon zanmi—ki pwomèt remèt prè a si ou pa fè l. Li kapab bon pou ni ou ni pretè w la. Kosiyatè a pran responsabilite total pou li remèt prè a. Lè ou gen yon kosiyatè sou prè w la sa bay pretè w la asirans prè a ap remèt. Si ou pa remèt prè w la, kosiyatè w la ap responsab remèt li menm si kosiyatè a pa t jan kondwi machin ou an. Si yo mande ou kosiyen yon prè, ou dwe konsidere ki konsekans l ap genyen sou finans ou.

    Asirans kredi (Credit insurance)

    Asirans kredi an se yon asirans ou pa oblije pran ki gen dwa fè peman pou machin nan bay pretè w la nan sèten sitiyasyon, tankou si ou mouri oswa vin andikape. Si w ap reflechi sou asirans kredi, ou dwe konprann kondisyon règleman y ap ofri w lan. Si ou deside ou bezwen asirans, gen dwa gen fason pi bon mache pou w jwenn pwoteksyon pase achte asirans kredi epi ajoute li nan prè pou achte machin ou an. Pa egzanp, asirans vi gen dwa mwen chè pase asirans vi kredi epi li gen dwa kite fanmi ou fin peye lòt depans anplis prè pou achte machin ou an.

    Pwodwi pou anilasyon oswa sispansyon dèt (Debt cancellation or suspension products)

    Gen konsesyonè epitou bank ak kès depay ki ofri pwodwi oswa asirans “anilasyon dèt” oswa “sispansyon dèt” sou diferan non. Pwodwi sa yo sanble asirans kredi nan fason yo fonksyone, men frè yo ak karakteristik yo gen dwa diferan.

    Li plis (ann anglè)

    Balans defisitè (Deficiency balance)

    Si yo sezi epi vann machin ou an, ou gen dwa responsab peye diferans la ant montan ki rete nan prè w la (plis frè sezi yo) ak pri devant la. Yo rele sa “balans defisitè”.

    Avalwa (Down payment)

    Yon avalwa se yon premye peman davans ou fè sou pri total machin nan. Avalwa ou a ka kach, valè yon tredin, oswa toude. Plis avalwa ou a wo, mwens ou bezwen prete. Yon gwo avalwa gen dwa redui peman pa mwa w lan tou ak pri total finansman an.

    Garanti pwolonje oswa kontra sèvis machin (Extended warranty or vehicle service contract)

    Yon garanti pwolonje oswa kontra sèvis machin kouvri depans yo pou sèten kalite reparasyon, anplis garanti fabrikan an oswa lè garanti fabrikan an fini.

    Li plis (ann anglè)

    Depatman finans ak asirans la (Finance and insurance department)

    Si w achte yon machin kay yon konsesyonè, vandè a gen dwa voye ou wè yon moun nan biwo finans ak asirans la (F&I) oswa nan biwo dafè a. Se pati kay konsesyonè a k ap vann kliyan yo prè ak diplis lè yo fin aksepte achte yon machin kay konsesyonè a.

    Li plis (ann anglè)

    Finansman ak to fiks (Fixed-rate financing)

    Finansman ak to fiks vle di to enterè sou prè w la pa chanje pandan dire prè w la. Avèk yon to fiks, ou ka wè peman ou pou chak mwa ak total w ap peye a pandan dire yon prè. Ou ta ka pito finansman ak to fiks la si w ap chèche yon peman prè ki p ap chanje. Finansman ak to fiks la se yon kalite finansman. Yon lòt kalite se finansman ak to varyab.

    Asirans pretè (Force-placed insurance)

    Pou w jwenn prè pou achte machin, ou dwe gen asirans pou kouvri machin nan menm. Si ou pa arive jwenn asirans oswa si ou kite asirans ou a ekspire, kontra a nòmalman bay pretè a dwa pou li pran asirans pou kouvri machin nan. Asirans sa a rele “asirans pretè”.

    Li plis (ann anglè)

    Asirans Pwoteksyon Machin Garanti (GAP) (Guaranteed Auto Protection (GAP) insurance)

    Asirans GAP la kouvri diferans la (oswa eka a) ant montan ou dwe sou prè pou achte machin ou an ak sa asirans ou a ap peye si yo vòlè machin ou an, li donmaje, oswa li kraze nèt. Ou pa oblije achte asirans sa a, men si ou deside ou vle li, fè konparezon. Pretè yo gen dwa gen diferan pri pou pwodwi sa a.

    To enterè (Interest rate)

    To enterè yon prè pou achte machin se pri ou peye chak ane a pou prete lajan, ki eksprime sou fòm pousantaj. To enterè a pa gen ladan frè yo fè ou peye pou prè a.

    APR ak to enterè yon prè pou achte machin se de (2) nan fason pi enpòtan yo pou mezire pri w ap peye a pou prete lajan an. Lwa federal sou Verite nan Prè a (TILA) egzije pretè yo pou yo aklè lè y ap ba ou kondisyon enpòtan yo, sa gen ladan APR la, anvan lalwa vin oblije ou pou w remèt prè a. Kòm tout pretè yo dwe bay APR la, ou ka sèvi ak APR la pou konpare prè pou achte machin yo. Annik verifye ke w ap konpare APR avèk APR e pa avèk to enterè.

    Echeyans oswa dire prè a (Loan term or duration)

    Se dire prè pou achte machin ou an, ki jeneralman eksprime an mwa. Yon echeyans pi kout pou prè a (kote ou fè peman chak mwa pandan mwens mwa) ap redwi ri total prè w la. Yon prè pi long ka redwi peman chak mwa w lan, men w ap peye plis enterè sou dire prè a. Yon prè pi long ap fè ou riske tou pou w vin gen kapital negatif, ki se lè ou dwe plis sou machin nan pase sa machin nan vo.

    Rapò prè-valè (Loan-to-value ratio)

    Rapò prè-valè a (LTV) se valè lajan total prè w la divize pa valè kach reyèl (ACV) machin ou an. Yo nòmalman eksprime li an pousantaj. Akont ou an ap redui rapò prè-valè prè w lan.

    Li plis (ann anglè)

    Abitraj obligatwa (Mandatory binding arbitration)

    Lè ou siyen yon kontra ki gen yon kondisyon abitraj obligatwa, ou dakò pou rezoud tout konfli sou kontra a devan yon abit k ap pran desizyon sou konfli an olye pou w ale nan tribinal. Ou gen dwa dakò renonse a lòt dwa tou, tankou kapasite ou pou w fè apèl desizyon an oswa pou w patisipe nan yon pwosè nan non yon gwoup moun.

    Li plis (ann anglè)

    Avantaj fabrikan yo (Manufacturer incentives)

    Avantaj fabrikan yo se bon afè espesyal, tankou 0% finansman oswa ranbousman kach ou gen dwa wè nan reklam pou nouvo machin. Souvan, se pou sèten modèl sèlman yo ofri yo.

    Li plis (ann anglè)



    Pri Detay Fabrikan an Sijere (MSRP) (Manufacturer Suggested Retail Price (MSRP))

    Pri Detay Fabrikan an Sijere a (MSRP) se pri konstriktè otomobil la – fabrikan an – sijere pou konsesyonè a mande pou machin nan.

    Li plis (ann anglè)



    Kapital negatif (Negative equity)

    Si ou dwe plis sou prè pou achte machin ou genyen kounye a pase sa machin nan vo alòs ou gen yon kapital negatif. Sa vle di, si ou ta eseye vann machin ou an, ou pa t ap kapab jwenn sa ou deja dwe sou li an. Paregzanp, an nou di ou dwe $10,000 sou prè pou achte machin ou an epi machin ou an vo $8,000 kounye a. Sa vle di ou gen yon kapital negatif $2,000. W ap gen pou fin peye kapital negatif sa a si ou vle twoke machin ou an epi pran yon prè pou achte yon machin nèf.



    Prè pou achte machin san verifikasyon kredi oswa “achte isit la, peye isit la” (No credit check or "buy here, pay here" auto loan)

    Yon prè pou achte machin “san verifikasyon kredi” oswa “achte isit la, peye isit la”, se konsesyonè ki nòmalman finanse prè pou achte machin “sou plas” pou kliyan ki pa gen kredi oswa ki gen move kredi, ki ofri li.

    Li plis (ann anglè)

    Kapital (Principal)

    Kapital la se lajan ou te dakò remèt la nan kòmansman.

    Jeneralman, tout peman ou fè sou yon prè pou achte machin ap sèvi toudabò pou peye frè ou dwe yo (paregzanp, frè reta). Apre sa, lajan ki rete nan peman w lan ap sèvi pou peye tout enterè ou dwe, sa gen ladan enterè w ap peye an reta, si genyen. Apre sa rès peman w lan ap sèvi pou peye balans kapital prè w lan.

    Pri baze sou risk (Risk-based pricing)

    Pri baze sou risk se lè pretè yo ofri diferan kliyan diferan to enterè oswa lòt kondisyon prè, baze sou risk yo estime ki genyen pou kliyan yo pa remèt lajan yo prete a.

    Li plis (ann anglè)

    Pri total (Total cost)

    Se kantite ou pral peye pou achte machin ou, sa gen ladan kapital, enterè, ak tout akont oswa tredin, pandan dire prè a.

    Deklarasyon Verite nan Prè (Truth in Lending disclosure)

    Lwa federal sou Verite nan Prè a (oswa “TILA” pou pi kout)—egzije pou moun ki mande prè a resevwa deklarasyon ekri sou kondisyon kredi enpòtan anvan lalwa oblije yo peye prè a. Aprann plis sou enfòmasyon ki nan deklarasyon TILA w lan ak sou ki lè ou dwe resevwa l epi li l.

    Finansman ak to varyab (Variable-rate financing)

    Finansman ak to varyab se lè to enterè prè w lan ka chanje, baze sou to preferansyèl la oswa sou yon lòt to ki rele “endèks”. Avèk yon prè ak to varyab, to enterè a sou prè a ap chanje amezi to endèks la ap chanje, sa ki vle di li ka monte oubyen desann. Poutèt to enterè w lan ka monte, peman pa mwa w lan ka monte tou. Plis echeyans prè a long, plis yon prè ak to varyab ka gen risk pou yon moun ki mande prè, poutèt to yo gen plis tan pou yo monte. Finansman ak to varyab la se yon kalite finansman. Yon lòt kalite se finansman ak to fiks.

    Asirans nan Enterè Machann nan Sèlman (VSI) (Vendor's Single Interest (VSI) insurance)

    Asirans VSI la pwoteje pretè a, menm pa ou, nan ka machin nan ta donmaje oswa kraze nèt.

    Li plis (ann anglè)

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    Chanm Konpansasyon Otomatik (ACH) (Automated Clearing House (ACH))

    Otorizasyon Chanm Konpansasyon Otomatik la (ACH) se yon otorizasyon peman ki bay pretè a pèmisyon pou li pran lajan elektwonikman nan kont labank ou, kès depay ou, oswa kat peye davans ou lè moman an rive pou w peye. Ou ka revoke otorizasyon sa a.

    Peman debi otomatik (Automatic debit payment)

    Avèk debi otomatik, ou bay konpayi an pèmisyon pou li pran peman yo dirèkteman nan kont labank ou. Se pa menm bagay ak opsyon pou peye bòdwo regilyèman ke bank ou a ofri an. Nan peman regilye bòdwo, ou bay pèmisyon pou bank ou oswa kès depay ou voye peman an bay konpayi an.

    Sètifika depo (CD) (Certificate of deposit (CD))

    Yon Sètifika Depo, oswa CD, se yon kalite kont depay espesyal ke bank yo oswa kès depay yo ofri. Ou jeneralman dwe kenbe fon w yo nan CD an pandan yon peryòd tan yo presize ba ou pou evite penalite.

    Li plis (ann anglè)

    Sètifika depo (CD) renouvle (Certificate of deposit (CD) rollover)

    Yon renouvèlman ka fèt lè echeyans CD a rive.

    Li plis (ann anglè)

    Trèt a vi (Demand draft)

    Yon trèt a vi kite yon moun tire lajan sou kont chèk ou san siyati ou.

    Li plis (ann anglè)

    Blokaj depo (Deposit hold)

    Kantite tan yon bank oswa kès depay kenbe fon ou depoze pa chèk, yo rele sa pafwa “blokaj depo” oswa “blokaj chèk”. Gen bank ak kès depay ki gen dwa mete fon yo disponib pi vit pase sa lalwa egzije, epi genyen ki gen dwa akselere disponibilite fon yo si ou peye pou sa.

    Fidisyè (Fiduciary)

    Yon fidisyè se yon moun k ap jere lajan oswa pwopriyete pou yon lòt moun. Lè yo nonmen ou kòm fidisyè, lalwa egzije pou w jere lajan ak pwopriyete moun lan nan enterè li, pa nan enterè pa ou.

    Gadyen pwopriyete (Guardian of property)

    Yon gadyen pwopriyete se yon moun tribinal la nonmen pou jere lajan ak pwopriyete yon lòt moun tribinal la jije li pa kapab jere lajan li ak pwopriyete li poukont li.

    Li plis (ann anglè)

    Nimewo endividyèl kontribyab (ITIN) (Individual taxpayer identification number (ITIN))

    ITIN nan se yon nimewo idantifikasyon ou resevwa nan men Sèvis Enpò sou Revni Ameriken an (Internal Revenue Service). ITIN nan disponib sèlman pou sèten etranje ki pa rezidan oswa ki rezidan, mari/madanm yo, ak depandan yo ki pa ka jwenn yon Nimewo Sekirite Sosyal.

    Kont ini (Joint account)

    Si ou ta renmen kite yon zanmi oswa yon manm fanmi ou ekri chèk ak fè depo pou ou, reflechi sou ouvè yon kont ini Jeneralman, tout moun ki gen non yo sou yon kont jwen ka ekri chèk, tire lajan, fè tranzaksyon, deplase fon, oswa fèmen kont la. Si gen youn nan moun ki sou kont la ki dwe lajan, kreyansye a ka eseye kolekte lajan nan kont ini an.

    Kont depo mache monetè (Money market account)

    Yon kont depo mache monetè se yon kalite espesyal kont ke bank ak kès depay yo ofri.

    Li plis (ann anglè)

    Frè ensifizans pwovizyon (NSF) (Non-sufficient funds (NSF) fees)

    Yo gen dwa fè ou peye frè NSF oswa ensifizans pwovizyon lè chèk ou a oswa otorizasyon elektwonik ou a pa peye poutèt mank fon nan kont ou. Yo rele sa souvan chèk ki “retounen” oswa ki “san pwovizyon”.

    Dekouvè (Overdraft)

    Ou gen dekouvè lè ou pa gen ase lajan nan kont ou pou kouvri yon tranzaksyon, men bank la peye tranzaksyon an kanmenm. Kont ou ka vin dekouvè poutèt chèk, tranzaksyon nan ATM, acha avèk kat debi, peman otomatik bòdwo, ak retrè elektwonik oswa an pèsonn.

    Gen anpil bank ak kès depay ki ofri pwogram pwoteksyon kont dekouvè kote bank la oswa kès depay lan jeneralman peye tranzaksyon an epi fè ou peye yon frè (anplis dèske li egzije pou w remèt montan dekouvè a). Ou ka kouvri dekouvè a tou gras a yon transfè fon soti nan yon kont ki lye, yon kat kredi, oswa yon liy kredi.

    Liy kredi pèsonèl (Personal line of credit)

    Yon liy kredi pèsonèl se yon prè ou itilize detanzantan. Ou ekri chèk espesyal oswa mande transfè ale sou kont chèk ou a pa telefòn oswa sou entènèt.

    Menm jan ak yon kont kat kredi, ou gen yon limit kredi, ou resevwa bòdwo chak mwa, ou fè omwen yon peman minimòm, ou peye enterè baze sou balans ou rete a, e petèt ou peye yon frè chak fwa ou sèvi ak kont la.

    Liy kredi pèsonèl yo pa gen garanti, kontrèman a Liy Kredi ki Garanti ak Byen Imobilye yo (HELOC), ki gen yon ipotèk sou kay ou ki kore yo. Se bank ak kès depay ki ofri liy kredi pèsonèl, e yo nòmalman egzije pou w gen yon kont chèk tou nan menm enstitisyon an.

    Manda legal (Power of attorney)

    Yon manda legal (POA) se yon dokiman jiridik ki kite yon lòt moun aji nan non ou. Kreyasyon yon POA se yon fason pou nonmen yon moun k ap pran desizyon pou ou e li relativman bon mache, malgre yon avoka gen dwa oblije ede ou.

    Yon POA finansye ka sèvi kòm zouti pou planifye enkapasite ki ka rive pi devan – lè ou p ap kapab pran desizyon finansye poutèt, paregzanp, ou vin annanfans, ou pran blesi ak chòk nan sèvo, oswa ou vin gen kèk lòt deteryorasyon ki gen konsekans sou fonksyon mantal ou. Lè li sèvi pou planifikasyon davans, yon POA jeneralman “dirab”, sa ki vle di li rete an vigè menm si moun ki kreye li an vin andikape. Kontinye li pou jwenn plis enfòmasyon sou manda legal la (POA).

    Moun k ap jere prestasyon pou yon lòt moun (Representative payee)

    Administrasyon Sekirite Sosyal la (SSA) nonmen yon moun pou jere prestasyon pou yon lòt moun ki bezwen yo ede li jere peman prestasyon Sekirite Sosyal li oswa Revni Sekirite Siplemantè (SSI) li. Sèl sa moun k ap jere prestasyon pou lòt moun nan ka jere se chèk prestasyon ke SSA peye yo. Si moun k ap resevwa prestasyon yo gen lòt lajan oswa pwopriyete li pa ka jere, moun k ap jere prestasyon pou li an dwe gen otorizasyon legal nan men yon lòt sous pou li jere lòt fon yo. Paregzanp, yon tribinal ta ka nonmen yon moun k ap jere prestasyon pou yon lòt moun kòm gadyen pwopriyete tou. Kòm moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun, ou se yon fidisyè.

    Pou plis enfòmasyon sou moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun, li gid sa a sou jesyon lajan lòt moun.

    Fidisi revokab (Revocable living trust)

    Yon fidisi revokab se yon dokiman jiridik ki ba ou otorite pou pran desizyon sou lajan oswa pwopriyete yon lòt moun ke yon kenbe nan yon fidisi.

    Li plis (ann anglè)

    Moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun (Social Security representative payee)

    Administrasyon Sekirite Sosyal la nonmen yon moun pou jere prestasyon pou yon lòt moun ki bezwen yo ede li jere peman prestasyon Sekirite Sosyal li oswa Revni Sekirite Siplemantè li.

    Li plis (ann anglè)

    Fidisyè VA (VA fiduciary)

    Yon fidisyè se yon moun k ap jere lajan oswa pwopriyete pou yon lòt moun. Depatman Afè Ansyen Konbatan an (VA) nonmen fidisyè VA pou jere prestasyon ansyen konbatan pou moun ki pa ka jere fon yo poukont yo.

    Li plis (ann anglè)

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    To Enterè anyèl (APR) (Annual percentage rate (APR))

    APR la, oswa to entèrè anyèl la, se fason nòmal la pou konpare kantite lajan yon prè koute. Li kite ou konpare pri pwodui prè ki konparab. Konpayi kat kredi w lan dwe di ou sa APR la ye anvan ou dakò sèvi ak kat la.

    Pou kalkile APR la, yo konpare to enterè a ak frè yo avèk montan yo prete w la epi yo kalkile yo sou yon peryòd yon ane. Sa pèmèt ou konpare depans yon kat kredi ak yon prè pou remèt pa vèsman sou sis mwa. Se poutèt sa tou APR yo souvan diferan de to enterè senp.

    Transfè balans (Balance transfer)

    Yon transfè balans kite ou deplase yon balans ki rete ou soti sou yon kat kredi ale sou yon lòt, pafwa pou yon frè. Frè a se nòmalman yon sèten pousantaj nan montan ou transfere a oswa yon montan fiks, kèlkeswa sa ki pi wo a. Gen anpil konpayi kat kredi ki ofri balans transfè ak zewo pousan oswa ak enterè ba pou envite ou konsolide dèt ou sou yon sèl kat kredi. To enterè piblisitè a pou pifò transfè balans yo se pou yon tan limite. Apre sa, to enterè a sou nouvo kat kredi w lan gen dwa monte, sa k ap ogmante montan peman w yo.

    Si ou gen plis pase 60 jou reta pou yon peman, konpayi kat kredi an ka ogmante to enterè a sou tout balans yo, sa gen ladan balans ki transfere a.

    Balans kredi (Credit balance)

    Yon balans kreditè sou relve bòdwo w lan se montan konpayi ki ba ou kat kredi an dwe ou.

    Yo ajoute kredi sou kont ou chak fwa ou fè yon peman. Yo ajoute yo tou lè ou remèt yon bagay ou te achte avèk kat kredi oswa poutèt rekonpans ou genyen oswa poutèt erè yo te fè nan yon bòdwo anvan sa. Si total kredi yo depase montan ou dwe a, relve w la ap montre yon balans kredi.

    Li plis (ann anglè)

    To peryodik jounalye (Daily periodic rate)

    Gen konpayi kat kredi ki kalkile enterè sou kont la gras a yon to enterè peryodik jounalye ki, pou kalkile enterè a, sèvi avèk miltiplikasyon to a pa montan ou dwe nan finisman jounen an. Apre sa yo ajoute montan enterè a sou balans lavèy la, sa ki vle di enterè a konpoze chak jou.

    Delè gras (Grace period)

    Delè gras la se peryòd ant finisman yon peryòd faktirasyon ak dat ou dwe fè peman w lan. Pandan tan sa a, yo gen dwa pa ajoute enterè sou ou depi ou peye tout balans ou a nèt disi dat echeyans la. Konpayi kat kredi yo pa oblije bay delè gras. Men, pifò kat kredi yo ofri delè gras sou acha.

    Li plis (ann anglè)

    To enterè (Interest rate)

    To enterè yon Kat kredi se pri ou peye a pou prete lajan an. Pou kat kredi, yo nòmalman bay to enterè yo sou fòm to pa ane, e yo rele sa to enterè ànyèl la (APR). Sou pifò kat yo, ou ka evite peye enterè sou acha si ou fin peye balans ou nèt chak mwa disi dat echeyans la.

    Òf kat kredi pou moun ki preseleksyone (Prescreened credit card offer)

    Yon òf kat kredi pou moun ki preseleksyone se lè konpayi kat kredi yo sèvi ak enfòmasyon yo jwenn nan men konpayi rapò sou kredi yo pou fè ou òf kredi fèm si antesedan ou nan zafè kredi respekte kondisyon ke konpayi kat la chwazi yo.

    Li plis (ann anglè)

    Itilizasyon san otorizasyon (Unauthorized use)

    Jeneralman, itilizasyon san otorizasyon se lè yon moun ki pa gen dwa sèvi ak yon kat kredi sèvi avèk li. Paregzanp, si ou pèdi kat ou a epi yon moun jwenn li epi sèvi avè l, sa ap yon itilizasyon san otorizasyon.

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    Mo pi enpòtan yo nan zafè rapò ak nòt kredi

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    Ankèt sou kredi (Credit inquiry)

    Yon ankèt sou kredi se yon demann gade dosye kredi ou, epi li jeneralman tonbe nan youn nan de (2) kalite.

    Li plis (ann anglè)

    Envizib nan zafè kredi (Credit invisible)

    An 2015, nou te pibliye yon rapò ki te jwenn gen 26 milyon Ameriken ki “envizib nan zafè kredi”. Chif sa a endike gen youn sou chak dis granmoun ki pa gen antesedan nan zafè kredi nan okenn nan twa konpayi evalyasyon kredi peyi an. Gen 19 milyon lòt konsomatè ki gen dosye kredi “yo pa ka evalye”, sa ki vle di dosye yo fèb e pa gen ase antesedan nan zafè kredi (9.9 milyon) oswa yo gen dosye rans ki manke antesedan resan nan zafè kredi (9.6 milyon). Ototal, gen 45 milyon konsomatè yo gen dwa refize bay kredi poutèt yo pa gen rapò sou kredi ki kapab evalye. Moun ki envizib nan zafè kredi oswa ke yo pa ka evalye jeneralman pa ka jwenn kredi bon kalite epi yo gen dwa fè fas a yon seri pwoblèm, depi nan eseye jwenn kredi rive nan lwe apatman.

    Sèvis siveyans kredi (Credit monitoring service)

    Yon sèvis siveyans kredi se yon sèvis komèsyal ki fè ou peye yon frè pou siveye rapò kredi ou yo epi avèti ou si gen chanjman nan kont ki sou rapò kredi w lan.

    Li plis (ann anglè)

    Rapò kredi (Credit report)

    Yon rapò kredi se yon relve ki gen enfòmasyon sou aktivite kredi ou ak sitiyasyon kredi ou kounye a tankou abitid ou nan remèt prè ak sitiyasyon kont kredi ou yo.

    Konpayi rapò kredi (Credit reporting company)

    Konpayi rapò kredi yo, yo rele yo tou ajans evalyasyon kredi oswa ajans ransèyman sou konsomatè, se konpayi ki rasanble epi vann rapò kredi.

    Nòt kredi (Credit score)

    Yon nòt kredi predi chans ou pou w remèt yon prè alè. Konpayi yo sèvi ak yon fòmil matematik—yo rele li modèl pwentaj—pou kreye nòt kredi ou apati de enfòmasyon ki nan rapò kredi w lan. Li enpòtan pou w konnen ou pa gen “yon sèl” nòt kredi e gen anpil nòt kredi ki disponib pou ou ak pou pretè yo. Chak nòt kredi depann de done yo itilize yo pou kalkile li, epi li gen dwa diferan selon modèl pwentaj la, sous antesedan ou nan zafè kredi, kalite pwodwiprè a, epi menm jou yo te kalkile li an.

    Lwa sou Rapò Kredi San Patipri (Fair Credit Reporting Act)

    Lwa federal sou Rapò Kredi San Patipri an (FCRA) favorize enfòmasyon kòrèk, san patipri, ak konfidansyèl nan dosye ajans ransèyman sou konsomatè yo. Gen plizyè kalite ajans ransèyman sou konsomatè, sa gen ladan ajans evalyasyon kredi ak ajans espesyalize (tankou ajans ki vann enfòmasyon sou abitid nan ekri chèk, dosye medikal, ak dosye sou abitid nan zafè lokasyon). Jwenn plis enfòmasyon sou dwa prensipal ou yo dapre FCRA a .

    Nòt FICO (FICO score)

    Yon nòt FICO® se yon mak nòt kredi an patikilye.

    Li plis (ann anglè)

    Alèt fwòd (Fraud alert)

    Yon alèt fwòd egzije pou kreyansye yo gade rapò kredi ou pou pran mezi pou verifye idantite ou anvan yo kite ou ouvè yon nouvo kont, resevwa yon nouvo kat, oswa ogmante limit kredi ou sou yon kont ou te deja genyen baze sou yon demann ou fè kòm konsomatè. Lè ou mete yon alèt fwòd sou rapò kredi ou nan youn nan konpayi rapò kredi peyi an, li dwe mete lòt yo okouran. Gen de (2) kalite alèt fwòd prensipal: alèt fwòd inisyal ak alèt pwolonje.

    Siveyans idantite oswa pwoteksyon kont vòl idantite (Identity monitoring or identity theft proection)

    Sèvis pwoteksyon kont vòl idantite yo siveye enfòmasyon ki pèmèt idantifye moun nan demann kredi, dosye piblik, sit entènèt, ak lòt kote pou wè si gen aktivite ki pa nòmal ki ta ka endike vòl idantite.

    Li plis (ann anglè)

    Vòl idantite (Identity theft)

    Gen vòl idantite lè yon moun vòlè idantite ou pou komèt fwòd. Vòlè idantite ou ta ka vle di sèvi ak enfòmasyon pèsonèl ou san otorizasyon ou, tankou:

    • Non ou
    • Nimewo Sekirite Sosyal ou
    • Nimewo kat kredi ou

    Alèt pou militè ki nan sèvis aktif (Military active duty alert)

    Militè yo (tankou manm Marin, Lame, Lamarin, Fòs Ayeryèn, ak Gadkòt) ka mande yon alèt sèvis aktif. Lè ou mete yon alèt sèvis aktif sou rapò kredi ou, kreyansye yo dwe pran mezi rezonab pou verifye moun k ap fè demann nan se ou toutbon anvan yo kite ou ouvè yon nouvo kont, resevwa yon nouvo kat kredi pou yon kont ou te deja genyen, oswa ogmante limit kredi ou sou kont ou te deja genyen an. Alèt sèvis aktif yo dire 12 mwa. Y ap wete non ou tou nan lis maketin preseleksyone konpayi rapò kredi yo toupatou peyi an pou òf kredi ak asirans pandan de (2) ane.

    Rekouvreman ki peye (Paid collection)

    Yon rekouvreman ki peye se yon kont ki t ale nan rekouvreman poutèt li pa t peye epi apre sa yo te peye li.

    Li plis (ann anglè)

    Entèdiksyon sekirite (Security freeze)

    Yon “entèdiksyon aksè a rapò kredi” sou rapò kredi ou anpeche pou nouvo kreyansye ale nan dosye kredi ou epi pou lòt moun ouvè kont sou non ou, jiskaske ou leve entèdiksyon an. Poutèt pifò biznis yo p ap ouvè kont kredi san yo pa verifye rapò kredi ou, yon entèdiksyon ka anpeche vòlè idantite ouvè nouvo kont sou non ou.

    Konpayi ransèyman sou konsomatè espesyalize (Specialty consumer reporting company)

    Konpayi ransèyman sou konsomatè espesyalize yo ranmase epi bay enfòmasyon sou antesedan ou nan zafè travay, antesedan tranzaksyon ou avèk yon biznis oswa abitid ou nan remèt prè pou yon pwodui oswa sèvis an patikilye.

    Rapò evalyasyon lokatè (Tenant screening report)

    Yon rapò mèt kay yo itilize pou ede yo pran desizyon sou lokatè posib. Yon rapò evalyasyon lokatè gen dwa gen ladan enfòmasyon ki soti nan plizyè sous, sa gen ladan antesedan ou nan zafè lokasyon ak rapò kredi ou.

    Li plis (ann anglè)

    Dosye kredi fèb / Absans dosye kredi (Thin credit file / No credit file)

    Yon dosye kredi fèb oswa yon absans dosye kredi vle di yon moun pa gen anteseda nan zafè kredi oswa li pa gen ase antesedan nan zafè kredi kounye a pou pwodui yon nòt kredi. Gade: Envizib nan zafè kredi

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    Debt collection key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè rekouvreman dèt

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    Konseye nan zafè kredi (Credit counselor)

    Konseye nan zafè kredi yo ka ede nan bagay sa yo:

    • Ba ou konsèy pou jere lajan ak dèt ou
    • Ede ou elabore yon bidjè
    • Yo nòmalman ofri dokiman ak atelye edikatif gratis
    • Abityèlman, konseye nan zafè kredi yo sètifye ak fòme nan domèn kredi konsomatè, jesyon lajan ak dèt, ak bidjè. Konseye yo ap fè chita pale avè w sou sitiyasyon finansye w la annantye, epi y ap ede ou elabore yon plan pèsonalize pou rezoud pwoblèm lajan ou yo. 

    Règ rekouvreman dèt (Debt Collection Rule)

    CFPB te pibliye “règ” ki an vigè depi 30 novanm 2021 ki eksplike pi klè ak entèprete Lwa federal sou Pratik Rekouvreman Dèt San Patipri FDCPA).

    Li plis (ann anglè) 

    Pèseptè dèt (Debt collector)

    Dapre Lwa federal sou Pratik Rekouvreman Dèt San Patipri an, yon pèseptè dèt se jeneralman yon moun oswa yon konpayi ki regilyèman kolekte dèt yon moun dwe yon lòt moun, nòmalman lè dèt sa yo pa peye.

    Pami pèseptè dèt yo gen ajans rekouvreman oswa avoka ki kolekte dèt nan kad biznis yo. Epitou gen konpayi ki achte dèt ki pa peye nan men kreyansye oswa lòt biznis epi k ap eseye kolekte yo. Yo rele pèseptè dèt sa yo tou ajans rekouvreman dèt, konpayi rekouvreman dèt, oswa achtè dèt. 

    Sèvis règleman (sekou pou) dèt (Debt settlement (relief) services)

    Konpayi règleman dèt yo se konpayi ki di yo ka renegosye, regle, oswa yon sèten fason chanje kondisyon dèt yon moun anvè yon kreyansye oswa pèseptè dèt. Lè w annafè ak konpayi règleman dèt sa ka gen risk ladan.

    Li plis (ann anglè) 

    Lwa sou Pratik Rekouvreman Dèt San Patipri FDCPA) (Fair Debt Collection Practices Act (FDCPA))

    Lwa sou Pratik Rekouvreman Dèt San Patipri an (FDCPA) se lwa federal prensipal ki kontwole pratik rekouvreman dèt yo. FDCPA a entèdi pou konpayi rekouvreman dèt yo sèvi ak pratik abizan, enjis oswa twonpè pou kolekte dèt nan men ou. Li plis (ann anglè) enfòmasyon sou dwa ou yo dapre FDCPA a. 

    Sezi (Garnishment)

    Yon sezi salè oswa kont labank se lè yon kreyansye pran yon pòsyon nan chèk salè ou oswa lajan nan kont labank ou pou kolekte lajan ou dwe. Sezi nòmalman bezwen yon lòd tribinal yo bay nan kad yon jijman. Men, gen sèten dèt ou dwe gouvènman an ki gen dwa lakòz sezi tou, menm san jijman.

    Lwa eta ak federal yo gen limit oswa “egzansyon” ki valab pou sezi kont labank ak salè, abityèlman pou w ka rete yon ti bagay pou viv. Se yon vyolasyon Lwa sou Pratik Rekouvreman Dèt san Patipri an (FDCPA) tou lè yon pèseptè dèt menase ou dèske y ap sezi salè ou si yo pa ka sezi salè ou legalman. 

    Lè yon pèseptè dèt ap tizonnen ou (Harassment by a debt collector)

    Lwa sou Pratik Rekouvreman Dèt San Patipri an (FDCPA) di pèseptè dèt yo pa kapab ni tizonnen, ni peze kou, ni abize ni ou ni pèsonn lòt yo kontakte.

    Yon pèseptè dèt ka tizonnen sou diferan fòm. Kòm egzanp gen koutfil repete ki fèt pou anmède, abize, oswa tizonnen ou oswa nenpòt ki moun ki reponn telefòn nan; langaj obsèn oswa jouman; menas vyolans oswa move tretman; piblikasyon lis moun ki refize peye dèt yo (sa pa gen ladan rapòte enfòmasyon bay konpayi rapò kredi); epi rele ou san yo pa di ou kiyès yo ye. 

    Jijman (Judgment)

    Yon jijman se rezilta ofisyèl yon pwosè nan tribinal. Nan pwosè rekouvreman dèt, jij la gen dwa akòde kreyansye a oswa pèseptè dèt la yon jijman kont ou. Si ou pa reponn yon plent devan lajistis, w ap pèdi chans ou pou w defann tèt ou epi jijman an gen dwa fèt kont ou.

    Si yon moun asiyen ou, oswa si yon moun jwenn yon jijman kont ou epi ou pa fin sèten sa pou w fè, pale ak yon avoka. Gen avoka ki gen dwa ofri sèvis gratis oswa mande yon frè redui. Gen dwa gen biwo èd jiridik tou oswa klinik jiridik nan zòn ou an k ap ofri sèvis yo gratis si ou respekte sèten kondisyon. Militè yo dwe konsilte biwo JAG ki pi pre yo a . 

    Mesaj ki gen Kontni Limite (Limited-Content Message)

    Dapre Règ Rekouvreman Dèt la, se yon mesaj vokal pou yon konsomatè ki dwe gen sèten enfòmasyon obligatwa e ki gen dwa gen lòt kontni ki pa obligatwa.

    Li plis (ann anglè) 

    Premye kreyansye a (Original creditor)

    An jeneral, premye kreyansye a se konpayi ki te ba ou prè a oswa kredi an. Yon premye kreyansye gen dwa eseye kolekte yon kont kredi ki pa peye li menm, oswa li gen dwa anboche yon pèseptè dèt. Premye kreyansye a gen dwa vann yon pèseptè dèt kont kredi w lan. Yon pèseptè dèt se jeneralman yon tyès pati yo anboche espesyalman pou kolekte sou kont ou, oswa yon moun ki achte li nan men premye kreyansye a oswa yon lòt pèseptè dèt oswa achtè dèt. 

    Delè pou rele moun devan lajistis (Statute of limitations)

    Delè pou rele moun devan lajistis la se peryòd limite kreyansye yo oswa pèseptè dèt yo genyen pou entante pwosè pou kolekte yon dèt. Pifò delè pou rele lajistis yo tonbe nan entèval twa a sis ane a, men nan kèk jiridiksyon yo gen dwa pi long. Delè pou rele moun devan lajistis yo gen dwa varye dapre lwa eta a, kalite dèt ou genyen an, oswa lwa eta yo nonmen nan kontra kredi w lan. 

    Nòt Validasyon (Validation Notice)

    Yon pèseptè dèt oblije bay sèten enfòmasyon lè l ap kominike ak yon konsomatè pou premye fwa, oswa touswit apre sa. Lè pèseptè dèt la ba ou enfòmasyon obligatwa sa yo elektwonikman oswa alekri, yo rele sa nòt validasyon

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    Fraud and scams key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè fwòd ak eskwokri

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    Eksplwatasyon finansye granmoun aje (Elder financial exploitation)

    Eksplwatasyon finansye granmoun aje se itilizasyon ilegal oswa move itilizasyon fon, pwopriyete, oswa byen yon granmoun aje. Se konsa yo pi souvan abize granmoun aje, men se sèlman yon ti fraksyon ensidan yo ke yo rapòte.

    Moun ki komèt zak la ka etranje ki vin genyen konfyans granmoun aje yo, men yo ka manm fanmi oswa zanmi tou. Li enpòtan pou konn siyal avètisman yo.

    Li plis (ann anglè).

    Eskwokri sekou nan zafè sezi kay (Foreclosure relief scam)

    Eskwokri sekou nan zafè sezi kay ak modifikasyon prè pou achte kay yo se konplo pou pran lajan ou oswa kay ou—souvan sou fo pwomès y ap delivre ou anba sezi kay la. Moun malonèt yo gen dwa mande lajan davans epi di yo garanti yo kapab fè chanje kondisyon prè pou achte kay ou a. Si ou gen pwoblèm fè peman sou prè pou achte kay, yon ajans konsèy nan zafè lojman ke HUD apwouve kapab montre ou ki opsyon ou genyen gratis.

    Alèt fwòd pou prevansyon (Fraud alert for prevention)

    Yon alèt fwòd se yon bagay ou kapab itilize pou redwi chans pou w viktim vòl idantite kote vòlè a ouvè yon nouvo kont. Li egzije pou kreyansye yo gade rapò kredi ou pou pran mezi pou verifye idantite ou anvan yo kite ou ouvè yon nouvo kont, resevwa yon nouvo kat, oswa ogmante limit kredi ou sou yon kont ou te deja genyen. Lè ou mete yon alèt fwòd sou rapò kredi ou nan youn nan rapò kredi konpayi nan tout peyi a, konpayi an dwe mete lòt yo okouran.

    Gen de (2) kalite alèt fwòd prensipal: alèt fwòd inisyal ak alèt pwolonje. Militè yo gen yon lòt opsyon anplis ki disponib pou yo—alèt sèvis aktif, ki bay manm fòs ame yo pwoteksyon pandan yo nan sèvis aktif.

    Li plis (ann anglè).

    Fwòd fidisyè (Fraud by fiduciaries)

    Yon fidisyè se yon moun k ap jere lajan oswa pwopriyete yon lòt moun. Paregzanp, reprezantan ki gen manda ak gadyen ke tribinal nonmen se fidisyè.

    Lè yo nonmen ou kòm fidisyè, ou oblije dapre lalwa pou w jere lajan ak pwopriyete moun lan nan enterè pa li, pa nan enterè pa ou. Lè yon fidisyè depanse lajan an nan pwòp enterè pa li, sa gen dwa fwòd.

    Vòl idantite (Identity theft)

    Vòl idantite se lè yon moun vòlè idantite ou pou komèt fwòd.

    Lè yo vòlè idantite ou sa ta ka vle di yo sèvi ak enfòmasyon pèsonèl ou san otorizasyon ou, tankou non ou, nimewo Sekirite Sosyal ou, enfòmasyon kont labank ou, oswa nimewo kat kredi ou. Komisyon Federal Komès la (Federal Trade Commission) ofri enfòmasyon sou prevansyon vòl idantite ak jan pou reyaji lè sa rive.

    Eskwokri twonpè (Imposter scams)

    Moun malonèt twonpè yo ap eseye lolo ou pou w voye lajan nan fè ou konprann yo se yon moun ou konnen oswa fè konfyans tankou yon cherif, yon anplwaye gouvènman lokal, eta, oswa federal, oswa yon òganizasyon byenfezans. Sonje, idantifikasyon nimewo k ap rele a ka fo. Ou ka toujou rele òganizasyon oswa ajans gouvènman an epi mande si moun nan ap travay pou yo anvan ou bay lajan.

    Fwòd pa korespondans (Mail fraud)

    Lèt fwòd pa korespondans yo parèt vre men pwomès yo fo. Yon siyal avètisman ou ka wè souvan se yon lèt k ap mande ou voye lajan oswa enfòmasyon pèsonèl kounye a pou jwenn yon bagay enpòtan lè ou fin voye lajan oswa enfòmasyon yo.

    Pyèj (Phishing)

    Nan pyèj la, yon moun malonèt fè kòm si li se yon biznis oswa yon sèten moun pou twonpe ou pou fè ou bay enfòmasyon pèsonèl ou, tankou modepas, nimewo kat kredi, oswa enfòmasyon kont labank. Yon moun malonèt gen dwa sèvi ak imèl, tèks, oswa sit entènèt ilisit pou vòlè enfòmasyon sa yo nan men ou. Imèl sa yo ka parèt otantik.

    Entèdiksyon aksè nan sekirite kredi pou prevansyon (Security freeze for prevention)

    Yon entèdiksyon aksè nan sekirite kredi anpeche pou nouvo kreyansye ale nan dosye kredi ou epi pou lòt moun ouvè kont ki egzije verifikasyon kredi sou non ou, jiskaske ou leve entèdiksyon an.

    Poutèt pifò biznis yo p ap ouvè kont kredi san yo pa verifye rapò kredi ou, yon entèdiksyon ka anpeche vòlè idantite ouvè nouvo kont sou non ou. Sonje yon entèdiksyon pa anpeche vòlè idantite yo pran kontwòl kont ou te deja genyen.

    Li plis (ann anglè).

    Mistifikasyon (Spoofing)

    Mistifikasyon se lè yon moun k ap rele ou degize enfòmasyon ki parèt sou idantifikasyon nimewo k ap rele w la. Sa bay moun k ap rele a kapasite degize oswa “imite” non ak/oswa nimewo ki parèt la pou fè kòm si se yon sèten moun k ap rele apati de yon sèten kote.

    Fil oswa fwòd transfè lajan (Wire or money transfer fraud)

    Gen moun malonèt ki twonpe ou pou fè ou transfere lajan pou yo vòlè ou. Yon egzanp fwòd transfè lajan ki rive souvan se “eskwokri granparan” an. Se lè yon moun malonèt ki fè kòm si li se yon pitit-pitit ou oswa zanmi pitit-pitit ou rele ou epi di ou li nan peyi etranje, oswa nan yon pwoblèm kèlkonk, e li bezwen pou w transfere oswa voye lajan pou li touswit.

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    How to avoid foreclosure (in Haitian Creole)
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    Kijan pou evite yo sezi kay ou

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    Bagay ki pi enpòtan ou ka fè lè ou gen pwoblèm fè peman sou lajan ou te prete pou achte kay ou a se pran kontwòl. Nan pifò kay yo, bagay ki pi mal ou ka fè se pa fè anyen. Pran kontwòl vle di fè kat bagay:

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    1. Fè oswa pran yon apèl pou yo ede ou

    Pran kontwòl nan aksepte apèl nan men konpayi k ap jere peman prè pou achte kay ou a. Sa ki pi bon toujou, rele konpayi an osito w konnen ou pa ka fè peman mansyèl ou a. W ap jwenn nimewo telefòn nan sou bòdwo ou resevwa chak mwa a. Di konpayi k ap jere peman prè pou achte kay ou a poukisa ou pa ka fè peman mansyèl ou a epi mande konpayi an pou li ede ou evite yo sezi kay ou.

    2. Mande èd gratis nan men espesyalis

    Konpayi k ap jere prè pou achte kay ou a gen dwa kapab ede ou si ou vin gen pwoblèm fè peman sou prè w lan. Si ou pa ka jwenn sa ou bezwen an nan men konpayi k ap jere prè pou achte kay ou a, mande èd nan men yon espesyalis ajans konsèy sou lojman ki toupre ou. Konseye yo ka elabore yon plan daksyon sou mezi ou epi ede ou travay ak konpayi prè pou achte kay ou a. Vizite consumerfinance.gov/mortgagehelp oswa rele (800) 569-4287 epi tape kòd postal ou, pou jwenn yon konseye nan zafè lojman HUD apwouve.

    3. Evite eskwokri

    Eskwo yo eseye pwofite de mèt kay ki gen pwoblèm, nan mande yo peye yon pakèt lajan— menm plizyè milye dola—pou fo pwomès ke y ap ede yo. Ou pa ta dwe gen pou peye pèsonn pou ede ou evite yo sezi kay ou. Èd ou bezwen an dwe disponib gratis nan men konpayi k ap jere prè pou achte kay ou a, oswa nan men yon ajans konsèy nan zafè lojman HUD apwouve.

    4. Fè demann pou èd

    Konpayi k ap jere prè pou achte kay ou a dwe kontakte ou, ba ou enfòmasyon kòrèk, epi pale ou de opsyon limitasyon pèt ou gen dwa kalifye pou yo. Limitasyon pèt la se fason konpayi k ap jere prè pou achte kay ou a ka travay avè w pou evite yo sezi kay ou. Si ou voye yon demann konplè bay konpayi k ap jere prè pou achte kay ou a byen bonè, konpayi an oblije di ou ki opsyon ou genyen pou kenbe kay ou, oswa si sa gen plis sans pou w kite lakay ou.

    Konseye nan zafè lojman yo gen anpil eksperyans nan ede moun travay sou evite yo sezi kay yo. Yo ka ede ou nan etap konplike yo pou konprann opsyon ou genyen yo epi pou fè demann pou èd.

    Konpayi k ap jere prè pou achte kay ou a pa ka ni voye premye avi ni mande sezi kay ou toutotan ou pa gen plis pase 120 jou reta nan peman ou yo. Anplis de sa, lè ou soumèt yon demann konplè èd pou prè pou achte kay byen bonè, konpayi k ap jere prè pou achte kay la pa ka kòmanse pwosesis sezi kay la pandan y ap evalye ou oswa si w ap respekte kondisyon yon modifikasyon prè. Donk fè sa sa san pèdi tan. Plis ou ranpli demann nan bonè, plis w ap jwenn pwoteksyon.

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    Kijan pou rekonèt yon eskwokri nan zafè sezi kay

    Eskwo nan zafè sezi kay yo gen dwa di ou y ap sove ou anba sezi kay, alòske se lajan ou y ap annik pran.

    Fè atansyon ak siyal eskwokri sa yo:

    • Yo mande ou peye alavans pou yo ede ou.
    • Konpayi an garanti l ap fè chanje kondisyon prè pou achte kay ou a.
    • Konpayi an garanti ou p ap pèdi kay ou.
    • Yo mande ou siyen tit kay ou a ba yo oswa pou w siyen lòt dokiman ou pa konprann.
    • Yo di ou voye peman ou yo bay yon moun ki pa ni konpayi prè pou achte kay ou a ni konpayi k ap jere prè pou achte kay ou a.
    • Konpayi an ofri fè yon “odit jidisyè.”
    • Yo di ou sispann peye prè pou achte kay ou a.
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    Mortgage key terms (in Haitian Creole)
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    Mo pi enpòtan yo nan zafè prè pou achte kay

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    Prè ipotekè ak to varyab 5/1 (5/1 Adjustable Rate Mortgage)

    Yon prè ipotekè ak to varyab (ARM) 5/1 oswa ARM 5 ane se yon prè pou achte kay kote “5” se kantite ane to enterè inisyal ou a ap rete fiks. “1” an reprezante chak konbyen tan to enterè w lan ap ajiste lè peryòd senk ane inisyal la fini. Peryòd fiks yo itilize pi souvan yo se 3, 5, 7, ak 10 ane epi “1”, se peryòd ajisteman yo itilize pi souvan an. Li enpòtan pou w byen li kontra a epi poze kesyon si w ap reflechi sou pran yon ARM.

    Jwenn plis enfòmasyon sou kijan to varyab yo chanje. 



    Règ sou kapasite pou repeye (Ability-to-repay rule)

    Règ sou kapasite pou repeye se detèminasyon rezonab ak an bònfwa ke ou kapab remèt prè a ke pifò etablisman prè imobilye yo oblije fè.

    Li plis (ann anglè) 



    Prè Ipotekè ak To Varyab (ARM) (Adjustable Rate Mortgage (ARM))

    Yon prè ipotekè ak to varyab (ARM) se yon kalite prè kote to enterè a ka chanje, nòmalman an relasyon ak yon to enterè endekse. Peman mansyèl ou a ap monte oswa bese yon fason ki depann de peryòd preliminè prè a, de plafon yo pou to a, ak de to enterè endekse a. Avèk yon ARM, to enterè a ak peman mansyèl la gen dwa kòmanse pi ba pase avèk yon prè ipotekè ak to fiks, men ni to enterè a ni peman mansyèl la ka ogmante anpil.

    Jwenn plis enfòmasyon sou kijan ARM yo mache ak sa pou w konsidere. 



    Amòtisman (Amortization)

    Amòtisman vle di fin peye yon prè avèk letan gras a peman regilye, pou montan ou dwe a ka bese avèk chak peman. Pifò prè pou kay yo amòti, men gen prè ipotekè ki pa fin amòti nèt, sa ki vle di ou toujou dwe lajan lè ou fin fè tout peman ou yo.

    Gen prè pou kay ki pèmèt peman ki kouvri sèlman montan enterè ou dwe a, oswa yon montan ki pi ba pase enterè ou dwe a. Si peman yo pi ba pase montan enterè ou dwe a chak mwa, balans prè ipotekè a ap ogmante olye pou li bese. Sa rele amòtisman negatif. Lòt pwogram prè ki pa fin amòti nèt pandan prè a gen dwa egzije ou peye kalanmplanm yon gwo dènye montan pi wo nan finisman peryòd prè a. Ou dwe konnen ki kalite prè w ap resevwa.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Montan ki finanse a (Amount financed)

    Sa vle di montan lajan pretè a ap prete w la, mwens frè davans pretè a ap fè ou peye yo.

    Li plis (ann anglè) 



    Revni pa ane (Annual income)

    Revni pa ane a se yon faktè nan demann prè pou achte kay e li jeneralman vle di revni total ou fè anvan taks pandan yon ane. Revni pa ane a gen dwa gen ladan revni ki soti nan travay a plentan oswa a tan pasyèl, nan travay pou tèt ou, nan poubwa, nan komisyon, nan ovètaym, nan boni, oswa nan lòt sous. Pretè a ap sèvi ak enfòmasyon sou revni pa ane ou epi ak dèt ou deja genyen pou peye chak mwa yo pou detèmine si ou gen kapasite remèt prè a.

    Èske wi ou non yon pretè ap konte sou yon sous oswa montan revni an patikilye lè l ap konsidere ou pou yon prè ap souvan depann de si wi ou non ou ka avèk rezon atann ou aske revni an kontinye.

    Jwenn plis enfòmasyon sou rezon ki fè kapasite ou pou remèt lajan an enpòtan pou pretè yo. 



    To enterè anyèl (APR) la (Annual Percentage Rate (APR))

    To enterè anyèl (APR) la se yon mezi pi jeneral depans ou fè pou yo prete ou lajan pase to enterè a. APR la reflete to enterè a, tout pwen, frè koutye prè pou achte kay, ak lòt frè ou peye pou yo ba ou prè a. Poutèt sa, APR ou a nòmalman pi wo pase to enterè w lan.

    Aprann kijan pou konpare APR yo 



    Frè evalyasyon (Appraisal fee)

    Frè evalyasyon an se pri evalyasyon yon kay ou gen lentansyon achte oswa ki deja pou ou. Evalyasyon yon kay bay yon estimasyon endepandan valè pwopriyete a. Nan pifò ka yo, se pretè w lan k ap responsab chwazi evalyatè a ak tout depans pou sa yo.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Peman otomatik (Automatic payment)

    Peman otomatiik yo kite ou tabli peman regilye sou prè pou achte kay ou a nan bank ou. Peman otomatik yo ka yon fason fasil pou sèten ou fè peman ou yo alè. 



    Finansman balon (Balloon loan)

    Pou prè pou achte kay, yon finansman balon vle di prè a gen yon peman pi wo pase lòt yo w ap fè yon sèl fwa, nòmalman lè echeyans prè a rive. Peman sa a w ap fè yon sèl fwa a rele “peman balon”, e li pi wo pase lòt peman ou yo, pafwa pi wo lontan. Si ou pa ka peye montan balon an, ou gen dwa oblije refinanse, vann kay ou a, oswa fè fas a sezi.

    Jwenn enfòmasyon sou rezon ki fè finansman balon yo ta ka gen risk ladan yo. 



    Peman chak de (2) semèn (Bi-weekly payment)

    Nan yon plan peman chak de (2) semèn, konpayi k ap jere peman prè pou achte kay la ap kolekte mwatye peman mansyèl ou a chak de (2) semèn, sa k ap bay 26 peman pandan ane a (ap gen yon peman mansyèl anplis chak ane). Lè ou fè peman anplis epi fè peman ou yo sèvi pou peye kapital la, ou gen dwa kapab fin peye prè ou a bonè. Anvan ou chwazi yon peman chak de (2) semèn, pa bliye gade kondisyon prè w lan pou konnen si w ap gen pou peye penalite poutèt peman davans si ou fè sa. Verifye pou wè si konpayi k ap jere peman prè w la fè peye frè pou plan peman chak de (2) semèn. Ou gen dwa kapab kapab akonpli menm bi an san frè a si ou fè yon peman mansyèl anplis sou prè pou achte kay ou a chak ane. 



    Dokiman enfòmasyon sou kloti vant (Closing Disclosure)

    Dokiman Enfòmasyon Kloti Vant Kay la se yon fòmilè obligatwa ki gen senk paj ki bay detay final yo sou prè pou achte kay ou chwazi an. Li gen ladan kondisyon prè a, peman mansyèl yo prevwa w ap gen pou fè yo, ak kantite w ap peye nan frè ak lòt depans pou jwenn prè pou achte kay ou a.

    Aprann kijan pou w byen verifye tout detay yo sou prè w lan kòrèk sou dokiman enfòmasyon kloti vant kay la. 



    Prè pou konstriksyon (Construction loan)

    Yon prè pou konstriksyon se nòmalman yon prè akoutèm ki pote fon pou kouvri depans pou bati oswa pou reyabilite yon kay.

    Li plis (ann anglè) 



    Prè òdinè (Conventional loan)

    Yon prè òdinè se yon prè pou achte kay gouvènman an (tankou nan kad pwogram prè Administrasyon Federal Lojman an (Federal Housing Administration), Depatman Afè Ansyen Konbatan an (Department of Veterans Affairs), oswa Depatman Agrikilti an (Department of Agriculture)) pa ni asire ni garanti.

    Jwenn plis enfòmasyon sou prè òdinè ak lòt kalite prè. 



    Kosiyatè oswa ko-anprentè (Co-signer or co-borrower)

    Yon kosiyatè oswa ko-anprentè se yon moun ki dakò pran responsabilite total remèt yon prè pou achte kay avè w. Moun nan gen obligasyon peye tout peman ou rate epi menm montan total prè a si ou pa peye. Gen pwogram prè pou achte kay ki wè kosiyatè a kòm yon moun ki pa sou tit la epi ki pa gen okenn enterè pwopriyetè nan kay ki achte gras a prè a. Lè ou gen yon kosiyatè oswa yon ko-anprentè sou prè pou achte kay ou a sa bay pretè w la asirans anplis ke prè a ap remèt. Men w ap mete dosye kredi ak finans kosiyatè oswa ko-anprentè w la an danje si ou pa remèt prè a.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Istwa krezi (Credit history)

    Istwa kredi se yon dosye sou kont kredi ou yo ak abitid ou nan zafè peye alè jan sa parèt nan rapò kredi ou. Ajans ransèyman sou konsomatè yo, yo rele yo tou konpayi rapò kredi, kolekte epi mete ajou enfòmasyon sou dosye kredi ou epi bay lòt biznis yo, pou biznis sa yo ka sèvi avèk yo pou pran desizyon sou ou. Rapò kredi yo gen enfòmasyon sou aktivite kredi ou ak sitiyasyon kredi ou kounye a tankou abitid ou nan peye prè ak eta kont kredi ou yo.

    Jwenn plis enfòmasyon sou verifikasyon antesedan ou nan zafè kredi anvan ou achte yon kay. 



    Rapò kredi (Credit report)

    Yon rapò kredi se yon relve ki gen enfòmasyon sou aktivite kredi ou ak sitiyasyon kredi ou kounye a tankou abitid ou nan peye prè ak eta kont kredi ou yo. Pretè yo sèvi ak nòt kredi ou ak enfòmasyon ki sou rapò kredi w lan pou detèmine si wi ou non ou kalifye pou yon prè epi ki to enterè pou yo ofri ou.

    Aprann kijan pou w jwenn kopi rapò kredi ou. 



    Nòt kredi (Credit score)

    Yon nòt kredi predi chans ou pou w remèt yon prè alè. Konpayi yo sèvi ak yon fòmil matematik—yo rele li modèl pwentaj—pou kreye nòt kredi ou apati de enfòmasyon ki nan rapò kredi w lan. Gen diferan modèl pwentaj, donk se pa yon sèl nòt kredi ou genyen. Chak nòt depann de antesedan ou nan zafè kredi, de kalite pwodui prè a, epi menm de jou yo te kalkile li an.

    Aprann ki kote ou ka jwenn nòt kredi ou. 



    Pousantaj andètman (Debt ratio)

    Pousantaj andètman-revni ou se tout peman dèt mansyèl ou yo divize pa revni mansyèl anvan taks ou. Chif sa a se yon fason pou pretè yo mezire kapasite ou pou w jere peman mansyèl yo pou remèt lajan ou gen lentansyon prete a.

    Aprann kijan pou kalkile rapò andètman-revni ou. 



    Tit pwopriyete olye de sezi (Deed-in-lieu of foreclosure)

    Yon tit pwopriyete olye de sezi se yon aranjman kote ou volontèman remèt kay ou bay pretè a pou evite pwosesis sezi an. Yon tit pwopriyete olye de sezi gen dwa ede ou evite vin pèsonèlman responsab montan ki rete sou prè pou achte kay la. Si ou rete nan yon eta kote ou responsab tout defisi, ki se diferans la ant valè pwopriyete w la ak montan ou dwe toujou a sou prè pou achte kay ou a, li t a bon pou w mande pretè w la renonse a defisi an. Si pretè a renonse a defisi an, fè li ba ou renonsyasyon an alekri epi kenbe li nan dosye ou. Yon tit olye de sezi se yon kalite limitasyon pèt. 



    Delenkan (Delinquent)

    Aryere se yon lòt mo pou di ou an reta nan peman w yo. Prè w lan ka vin delenkan lè ou rate yon peman oswa lè ou pa fè tout peman an disi echeyans la. Lè ou fin aryere pandan yon sèten tan, yon pretè oswa yon konpayi k ap jere peman prè gen dwa kòmanse pwosesis sezi kay la. Kantite tan an ka varye dapre eta a.

    Règ federal yo gen dwa aplike tou pou lè sezi kay la gen dwa kòmanse. Jwenn plis enfòmasyon sou opsyon ou genyen yo si ou pa ka peye prè pou achte kay ou a.

    Si w ap sibi konsekans kowonaviris la

    Jwenn plis enfòmasyon sou opsyon ou genyen yo pou sekou nan zafè prè pou achte kay. 



    Opsyon peyab imedyatman (Demand feature)

    Dokiman enfòmasyon sou kloti vant gen yon fraz ki di “Prè w la gen yon opsyon peyab imedyatman” ki make “wi” oswa “non”. Yon opsyon peyab imedyatman kite pretè a egzije pou w remèt prè a pi bonè.

    Li plis (ann anglè) 



    Akont (Down payment)

    Akont la se montan ou peye sou kay la davans. Ou peye yon pousantaj nan valè kay la epi ou fè yo prete ou rès la pase pa prè ipotekè w la. Jeneralman, plis akont ou peye a wo, plis to enterè w ap resevwa a ap ba epi plis w ap gen chans pou yo apwouve ou pou yon prè.

    Jwenn plis enfòmasyon sou kijan pou w detèmine akont ou a. 



    Pwogram oswa sibvansyon pou akont (Down payment programs or grants)

    Yon sibvansyon oswa pwogram pou akont nòmalman vle di èd yon òganizasyon tankou gouvènman an oswa yon ajans ki pa gen bi fè lajan, bay yon moun k ap achte kay pou ede li avèk akont pou achte kay la. Fon yo se gen dwa ladan lajan yo fè ou kado oubyen ou gen dwa oblije remèt yo, paregzanp si ou vann kay la.

    Konprann ki kote ou ka jwenn enfòmasyon sou pwogram ak sibvansyon pou akont. 



    Depo garanti (Earnest money)

    Depo garanti an se yon depo yon moun k ap achte kay peye pou montre bònfwa sou yon kontra siyen pou achte kay. Se yon vandè oswa yon tyès pati tankou yon koutye oswa yon konpayi tit ki kenbe depo a. Si vant kay la finalize oswa “klotire”, depo garanti an gen dwa sèvi ou peye depans kloti yo oswa akont la. Si kontra a anile poutèt yon rezon akseptab, y ap remèt achtè a depo garanti an. Si achtè a pa aji an bònfwa, yo gen dwa sezi depo garanti an epi peye vandè a avèk li.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Valè san dèt (Equity)

    Valè san dèt la se montan pwopriyete w la vo kounye a mwens montan tout prè ipotekè ki genyen sou pwopriyete w la.

    Aprann sa yo rele yon prè sou valè san dèt yon kay. 



    Avalwa (Escrow)

    Pretè ipotekè a ap tabli yon kont avalwa pou peye sèten depans ki gen pou wè ak pwopriyete a, tankou taks sou pwopriyete ak asirans mèt kay. Gen yon pòsyon nan peman mansyèl ou a ki prale nan kont la. Si ipotèk ou a pa gen kont avalwa, w ap peye depans ki gen pou wè ak pwopriyete a dirèkteman.

    Jwenn plis enfòmasyon sou ki konsekans avalwa a genyen sou peman mansyèl prè pou achte kay ou a. 



    Fannie Mae

    Asosyason Federal Nasyonal Prè Ipotekè a (Fannie Mae) achte epi garanti prè ipotekè nan men enstitisyon prè yo pou eseye fè prè yo vin pi bon mache. Fannie Mae se pa yon ajans federal. Se yon antrepriz ke gouvènman an parennen sou administrasyon jidisyè pwovizwa Ajans Federal pou Finansman Lojman an (FHFA).

    Jwenn plis enfòmasyon sou prè òdinè. 



    Frè pou finansman FHA a (FHA funding fee)

    Administrasyon Lojman Federal la (FHA) egzije yon frè pou finansman FHA ak yon prim asirans mansyèl (MIP) pou pifò nan pwogram pou kay endividyèl li yo. Prim asirans prè ipotekè sa a ke ou peye davans, yo rele li pafwa prim asirans prè ipotekè davans (UFMIP).

    Chèche konnen si yon prè FHA pou achte kay ap bon pou ou. 



    Prè FHA (FHA loan)

    Prè FHA yo se prè nan men pretè prive Administrasyon Lojman Federal la (FHA) kontwole ak asire. Prè FHA yo ka diferan de prè òdinè yo poutèt yo pèmèt nòt kredi pi ba ak akont ki ka desann jiska 3.5 pousan montan prè total la. Montan prè maksimòm yo varye dapre konte a.

    Jwenn enfòmasyon sou opsyon prè pou achte kay sa a ak lòt opsyon yo. 



    Limit prè ipotekè FHA yo (FHA mortgage limits)

    Limit prè ipotekè FHA yo se montan limit an dola yo pou prè pou achte kay ki kalifye yo ke FHA a pral asire nan kad pwogram prè pou achte kay endividyèl li an. Limit sa yo baze sou adrès epi yo gen dwa revize yo chak ane.

    Sèvi ak zouti FHA a pou gade limit prè yo nan konte w la . 



    Chaj finansye (Finance charge)

    Chaj finasye a se montan total enterè ak frè kredi ou t ap peye pandan tout dire prè pou achte kay la nèt.

    Li plis (ann anglè) 



    Pwogram prè pou moun k ap achte kay pou premye fwa (FTHB) (First-time home buyers (FTHB) loan programs)

    Moun k ap achte kay pou premye fwa (FTHB) gen dwa sèvi ak yon kantite diferan kalite pwogram prè pou achte premye kay yo a. Pami pwogram prè FTHB popilè yo gen pwogram FHA, VA, USDA, Fannie Mae, ak Freddie Mac ofri yo avèk akont ba. Gen pwogram ki defini yon FTHB kòm yon moun ki pa achte kay depi omwen twa ane.

    Konprann opsyon prè ou genyen yo. 



    Prè ipotekè ak to fiks (Fixed-rate mortgage)

    Yon prè ipotekè ak to fiks se yon kalite prè pou achte kay kote to enterè a fikse lè ou pran prè a e li p ap chanje pandan dire prè a.

    Jwenn plis enfòmasyon sou kijan prè ipotekè ak to fiks yo mache ak sou sa pou w konsidere. 



    Delè gras (Forbearance)

    Delè gras la se lè konpayi k ap jere prè pou achte kay ou a kite ou pwovizwaman peye prè w la a yon to pi ba oswa pwovizwaman sispann peye prè pou achte kay ou a. Konpayi k ap jere prè pou achte kay ou a gen dwa akòde ou delè gras si, pa egzanp, ou fèk pèdi djòb ou, ou viktim yon dezas, oswa ou soufri yon maladi oswa yon donmaj nan kò ou ki ogmante depans pou swen medikal ou. Delè gras la se yon kalite limitasyon pèt.

    Jwenn plis enfòmasyon sou delè gras pou peye prè pou achte kay

    Dapre kalite prè ou genyen an, gen dwa gen diferan opsyon delè gras. Ou dwe kontakte konpayi k ap jere prè pou achte kay ou a pou mande delè gras. Sonje w ap gen pou ratrape peman sa yo ou rate yo oswa peman redui sa yo lè peryòd delè gras ou a fini.

    Si w ap sibi konsekans kowonaviris la

    Jwenn plis enfòmasyon sou opsyon ou genyen yo pou sekou nan zafè prè pou achte kay. 



    Asirans pwoteksyon kolateral (Force-placed insurance)

    Konpayi k ap jere prè pou achte kay ou a gen dwa egzije pou w pran asirans pwoteksyon kolateral lè ou pa gen pwòp polis asirans pa ou oswa si pwòp polis pa w la pa respekte egzijans konpayi k ap jere prè w la. Asirans pwoteksyon kolateral nòmalman pwoteje pretè a sèlman, li pa pwoteje ou oumenm. Konpayi k ap jere prè pou achte kay la ap fè ou peye pou asirans la. Asirans pretè a nòmalman pi chè pase lè ou jwenn yon polis asirans poukont ou. 



    Sezi kay (Foreclosure)

    Sezi kay se lè pretè oswa konpayi k ap jere prè pou achte kay la repran pwopriyete a lè mèt kay la pa fè peman sou prè ipotekè a. Nan sèten eta, pretè a dwe al nan tribinal pou sezi pwopriyete w la (sezi jidisyè), men gen lòt eta ki pa egzije pwosesis nan tribinal (sezi non-jidisyè). Jeneralman, moun ki te pran prè a dwe resevwa avètisman si pretè a oswa konpayi k ap jere prè a kòmanse pwosedi sezi kay. Règ federal yo gen dwa aplike pou lè sezi kay la gen dwa kòmanse.
    Si w ap trakase poutèt sezi kay, jwenn enfòmasyon sou kijan pou jwenn èd.

    Si w ap sibi konsekans kowonaviris la

    Jwenn plis enfòmasyon sou opsyon ou genyen yo pou sekou nan zafè prè pou achte kay. 



    Freddie Mac

    Kòporasyon Federal Prè pou Achte Kay la (Freddie Mac) se yon kòporasyon prive ki jwenn finansman nan men Kongrè a. Misyon li se favorize estabilite ak kapasite peye nan mache lojman an gras a acha prè ipotekè nan men bank yo ak lòt pretè. Kòporasyon an sou administrasyon jidisyè pwovizwa kounye a, sou direksyon Ajans Federal pou Finansman Lojman an (FHFA).

    Jwenn plis enfòmasyon sou prè òdinè. 



    Estimasyon an Bònfwa (Good Faith Estimate)

    Yon Estimasyon an Bònfwa (GFE) se yon fòmilè yon pretè dwe ba ou lè w ap mande yon prè ipotekè envèse. GFE a bay enfòmasyon debaz sou kondisyon òf prè ipotekè envèse a.

    Chèche konnen ki lè ou t ap resevwa yon Estimasyon an Bònfwa. 



    Frè enskripsyon nan rejis gouvènman (Government recording charges)

    Frè enskripsyon nan rejis gouvènman yo se frè ajans gouvènman eta ak lokal yo fè peye pou legalman anrejistre tit ou a, prè ipotekè w lan ak dokiman ki gen pou wè ak prè pou achte kay ou a.

    Li plis (ann anglè) 



    Prè ipotekè pi chè (Higher-priced mortgage loan)

    An jeneral, yon prè ipotekè pi chè se youn ki gen yon to enterè ànyèl, oswa APR, pi wo pase yon to referans ki rele To Òf Preferansyèl Mwayen.

    Li plis (ann anglè) 



    Frè HOA (HOA dues)

    Si w enterese nan achte yon kondominyòm, yon koperativ abitasyon, oswa yon kay nan yon lotisman iben oswa nan yon lòt kominote òganize ki gen sèvis pataje, ou nòmalman gen pou peye frè kondominyòm oswa frè Asosyasyon Mèt Kay (HOA). Frè sa yo varye anpil. W ap nòmalman peye frè kondominyòm oswa HOA yo separeman de peman prè pou achte kay ou a. Si ou pa peye frè sa yo, ou gen dwa fè fas a efò rekouvreman dèt nan men asosyasyon mèt kay la oswa menm a sezi kay.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Evalyasyon kay (Home appraisal)

    Yon evalyasyon se yon dokiman ekri ki montre yon opinyon sou valè yon pwopriyete. Evalyasyon an ba ou enfòmasyon itil sou pwopriyete a. Li dekri sa ki ba li valè e li gen dwa konpare li ak lòt pwopriyete ki nan katye a. Yon evalyasyon se yon estimasyon endepandan valè pwopriyete a.

    Jwenn plis enfòmasyon sou rezon ki fè evalyasyon yo enpòtan. 



    Liy valè kredi kay (HELOC) (Home equity line of credit (HELOC))

    Yon liy valè kredi kkay (HELOC) se yon liy kredi ki kite ou mande prete avèk valè san dèt kay ou a kòm garanti. Valè san dèt la se montan pwopriyete w la vo kounye a, mwens montan tout prè ipotekè ki genyen sou pwopriyete w la. Kontrèman a yon prè sou valè san dèt yon kay, HELOC yo nòmalman gen to enterè varyab. Pou pifò HELOC yo, w ap resevwa chèk espesyal oswa yon kat kredi, epi yo ka prete ou lajan pou yon tan presi apati de lè ou ouvè kont ou a. Peryòd sa a rele “peryòd tiray” la. Pandan “peryòd tiray” la, yo ka prete ou lajan, epi ou dwe fè peman minimòm yo. Lè “peryòd tiray” la fini, yo p ap prete ou lajan nan liy kredi w lan ankò. Lè “peryòd tiray” la fini ou gen dwa oblije fin peye tout balans ou an yon sèl kou oswa yo gen dwa kite ou remèt li sou yon sèten peryòd. Si ou pa kapab remèt HELOC la, pretè a ta ka sezi kay ou a. 



    Prè sou valè san dèt yon kay (Home equity loan)

    Yon prè sou valè san dèt yon kay (yo rele li pafwa yon HEL) kite ou mande prete lajan avèk valè san dèt kay ou a kòm garanti. Valè san dèt la se montan pwopriyete w la vo kounye a, mwens montan tout prè ipotekè ki genyen sou pwopriyete w la. W ap resevwa tout lajan prè sou valè san dèt kay la yon sèl kou. Yon prè sou valè san dèt yon kay nòmalman gen yon to enterè fiks – to a p ap chanje. Si ou pa kapab remèt HEL la, pretè a ta ka sezi kay ou a. 



    Enspeksyon kay (Home inspection)

    Enspeksyon yon kay souvan fè pati pwosesis achte kay la. Ou nòmalman gen dwa anboche yon enspektè kay pou li egzaminen yon pwopriyete epi montre pwen fò ak feblès li yo. Li souvan itil anpil pou teste sistèm estriktirèl ak mekanik yon kay, sa gen ladan chofaj, ayerasyon, è kondisyone, ak kouran elektrik.

    Aprann kijan pou planifye yon enspeksyon. 



    Asosyasyon pwopriyetè kay (HOA) (Homeowners’ Association (HOA))

    Yon asosyasyon mèt kay (HOA), nòmalman fòme pou jere depans tout mèt kay yo patisipe ladan yo tankou amenajman peyizaj ak lòt depans antretyen pou yon lotisman iben oswa yon lòt kominote òganize. HOA kondominyòm yo pran plis reponsabilite, sa gen ladan, pa egzanp, antretyen ale pou oto yo, estriktiti kominotè yo, ak twati yo.

    Jwenn plis enfòmasyon sou kijan HOA yo gen dwa parèt sou relve kont prè ipotekè w lan. 



    Asirans pwopriyetè kay (Homeowner's insurance)

    Asirans pwopriyetè kay la peye pou pèt ak dega nan pwopriyete w la si gen yon bagay enprevi ki rive, tankou dife oswa si vòlè kase kay la. Lè ou gen yon prè pou achte kay, pretè w la vle sèten pwopriyete w la gen pwoteksyon asirans. Se poutèt sa pretè yo jeneralman egzije prèv ou gen asirans mèt kay. Asirans mèt kay la se pa menm bagay ak asirans prè ipotekè a.
    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Pri dacha kay (Home purchase price)

    Pri dacha yon kay se montan achtè a ak vandè a mete yo dakò sou li an pou yo peye vandè a pou acha kay la.

    Jwenn plis enfòmasyon sou kijan pou jwenn kay ki bon pou ou a. 



    HUD

    Depatman Lojman ak Devlopman Iben an (HUD) se yon ajans gouvènman ki ede moun jwenn ak kenbe lojman bon mache ak bon kalite. Yo fòme ak parennen konseye nan zafè lojman toupatou nan peyi an. Yon ajans konsèy ki gen apwobasyon HUD ka ba ou konsèy sou acha kay pou ede ou konprann ak evalye opsyon ou genyen yo.

    Jwenn yon ajans konsèy ki gen apwobasyon HUD. 



    Relve règleman HUD-1 an (HUD-1 settlement statement)

    Relve Règleman HUD-1 an bay lis tout frè ak kredi pou achtè a ak vandè a nan yon règleman tranzaksyon imobilye, oswa tout frè ki nan yon refinansman prè ipotekè. W ap resevwa yon HUD-1 si ou te mande yon prè ipotekè envèse pou pi ta nan dat 3 oktòb 2015.

    Chèche konnen ki lè ou t ap resevwa yon HUD-1. 



    Endèks (Index)

    Endèks la se yon to enterè referans ki reflete kondisyon jeneral yo nan mache a. Endèks la chanje baze sou mache a. Chanjman nan endèks la, ansanm ak maj prè w lan, detèmine chanjman k ap genyen nan to enterè a pou yon prè ipotekè ak to varyab.

    Konprann ki wòl endèks la jwe nan to enterè a pou yon prè ipotekè ak to varyab. 



    Plafon ajisteman inisyal (Initial adjustment cap)

    Yon plafon ajisteman inisyal nòmalman asosye ak prè ipotekè ak to varyab (ARM). Plafon sa a detèmine a ki pwen to enterè a ka ogmante premye fwa li ajiste a lè peryòd to fiks la ekspire. Sa rive souvan pou plafon sa a swa de (2) swa senk pousan – sa ki vle di nan moman premye chanjman to a, nouvo to a pa ka pi wo ke de (2) (oswa senk) pwen pousantaj pase to inisyal ki te la pandan peryòd to fiks la.

    Konprann ki wòl endèks la dwe nan prè ipotekè ak to varyab yo. 



    Depo avalwa inisyal (Initial escrow deposit)

    Yon depo avalwa inisyal se montan ou pral peye nan moman kloti an pou kòmanse kont avalwa w lan, si pretè w la egzije li.

    Li plis (ann anglè) 



    Prè ipotekè ki pa amòti (Interest-only loan)

    Yon prè ipotekè ki pa amòti se yon prè ki gen peman planifye ki egzije pou w peye enterè a sèlman pandan yon sèten peryòd.

    Li plis (ann anglè) 



    To enterè (Interest rate)

    To enterè yon prè pou achte kay se pri ou pral peye chak ane a pou jwenn prete lajan an, ki eksprime sou fòm pousantaj. Li pa reflete ni frè ni lòt chaj ou gen dwa gen pou peye pou prè a. Pa egzanp, si prè pou achte kay la se pou $100,000 avèk yon to enterè 4 pousan, konsomatè sa a dakò peye $4,000 chak ane li jwenn prete oswa dwe montan total sa a.

    Gade to enterè yo nan zòn ou. 



    Plafon to enterè (Interest rate cap)

    Yon plafon to enterè, pafwa yo rele li yon plafon ànyèl, se ogmantasyon maksimòm ki ka genyen sou to enterè a chak ane pou yon prè ipotekè ak to varyab (ARM) menm si to a t ap ogmante plis dapre to enterè mache a. Paregzanp, si plafon sa a se de (2) pousan, nouvo to a pa ka plis pase de (2) pwen pousantaj pi wo pase ansyen to a.

    Konprann kijan pretè yo sèvi ak endèks la ak maj la pou ajiste to enterè w lan. 



    Gwo prè (Jumbo loan)

    Chak ane Fannie Mae, Freddie Mac, ak regilatè yo a, Ajans Federal pou Finansman Lojman an (FHFA), fikse yon montan maksimòm pou prè yo pral achte nan men pretè yo.

    Li plis (ann anglè) 



    Asirans tit pou pretè (Lenders title insurance)

    Asirans tit pou pretè a pwoteje pretè w la kont pwoblèm avèk tit pwopriyete w la-tankou yon moun ki gen dwa legal sou kay la. Se pretè a sèlman asirans tit pou pretè a pwoteje kont pwoblèm avèk tit la. Pou pwoteje tèt ou, li t a bon pou w achte asirans tit pou mèt kay.

    Li plis (ann anglè) 



    Plafon ajisteman pou dire prè a (Lifetime adjustment cap)

    Plafon ajisteman pou dire prè a nòmalman sèvi avèk prè ipotekè ak to varyab (ARM). Plafon sa a detèmine ki kantite to enterè a ka ogmante ototal, pandan dire prè a. Paregzanp, si plafon sa a se senk pousan, sa vle di to a pa ka janm senk pwen pousantaj pi wo pase to inisyal la. Gen pretè ki gen dwa gen yon lòt plafon oswa yon plafon pi wo.

    Konprann ki wòl endèks la dwe nan prè ipotekè ak to varyab yo. 



    Priz an chaj prè ipotekè (Loan assumption)

    Gen priz an chaj prè ipotekè lè yon achtè pran larelèv prè pou achte kay yon vandè lè li achte kay vandè a. Achtè a pran balans ki rete nan prè a pou achte kay vandè a, sou kondisyon prè orijinal la—pa egzanp, to enterè ak dire ki rete sou prè pou achte kay la. Yon priz an chaj prè ipotekè gen dwa gen sans lè y ap ofri nouvo prè pou achte kay ak to enterè pi wo pase lè vandè a te pran premye prè pou achte kay li an.

    Diferans la ant pri lavant kay la ak balans la sou prè yo pran an chaj la egal montan achtè a dwe peye a, keseswa ak lajan nan pòch li oswa nan pran pwòp prè pou achte kay pa li.

    Pou pran larelèv prè pou achte kay la, moun k ap achte kay la dwe kalifye pou priz an chaj prè ipotekè la. Kalifikasyon an nòmalman baze sou egzamen kredi ak revni achtè a, menm jan ak kalifikasyon pou yon nouvo prè pou achte kay.

    Priz an chaj prè ipotekè la ka aplike tou lè ou resevwa tit yon pwopriyete ki gen prè pou achte kay sou li – pa egzanp, apre yon lanmò oswa yon divòs.




    Ranvwa prè (Loan deferment)

    Reklamasyon pasyèl la se yon fason pou sèvi ak asirans prè ipotekè pou ede yon mèt kay ki an difikilte evite yo sezi kay li. Konpayi k ap jere prè pou achte kay la fè yon reklamasyon kont asirans prè ipotekè a pou montan tout peman prè pou achte kay ki pa t peye yo, epi konpayi asirans la mete lajan an sou kote nan yon kont separe. Lè sa a, lè pretè a refinanse prè pou achte kay la, vann kay la, oswa anile prè pou achte kay la yon lòt jan, y ap peye montan reklamasyon pasyèl la bay konpayi k ap jere prè pou achte kay la. Pafwa, montan reklamasyon pasyèl la pa kouvri tout montan peman ki pa t fèt yo, epi nan ka sa yo pretè a dwe peye diferans la.


    Estimasyon prè (Loan estimate)

    Yon Estimasyon Prè se yon fòmilè twa paj w ap resevwa lè ou fin mande yon prè pou achte kay.

    Li plis (ann anglè) 



    Modifikasyon prè (Loan modification)

    Yon modifikasyon prè pou achte kay se yon chanjman nan kondisyon prè w lan. Modifikasyon an se yon kalite limitasyon pèt. Yon modifikasyon ka redui peman mansyèl ou a rive a yon montan ou ka peye. Nan modifikasyon yo gen dwa gen pwolongasyon kantite ane ou genyen yo pou remèt prè a, rediksyon to enterè w lan, ak/aswa delè gras oswa rediksyon balans kapital ou a. Si yo ofri ou yon modifikasyon prè, ou dwe konnen kijan l ap chanje peman mansyèl ou yo ak montan total w ap dwe a akoutèm epi alontèm.

    Jwenn plis enfòmasyon sou modifikasyon prè pou achte kay

    Si w ap sibi konsekans kowonaviris la

    Jwenn plis enfòmasyon sou opsyon ou genyen yo pou sekou nan zafè prè pou achte kay. 



    Pousantaj valè-prè (Loan-to-value ratio)

    Pousantaj valè-prè LTV) se yon mezi ki konpare montan prè pou achte kay ou a ak valè yo evalye pwopriyete a genyen. Plis akont ou a wo, plis LTV w lan ba. Pretè prè pou achte kay yo gen dwa sèvi ak LTV an lè y ap deside si wi ou non y ap prete ou epi lè y ap detèmine si y ap egzije asirans prè ipotekè prive.

    Aprann ki relasyon ki genyen ant rapò prè-valè w la ak depans ou yo. 



    Limitasyon pèt (Loss mitigation)

    Limitasyon pèt se mezi konpayi k ap jere peman prè pou achte kay la pran pou travay avèk yon moun yo te bay yon prè ipotekè pou evite yo sezi kay la. Limitasyon pèt la se responsabilite yon konpayi k ap jere peman pou achte kay pou li redui oswa “limite” pèt la pou envestisè a, sa ki ka rive poutèt yo sezi kay la. Gen sèten opsyon limitasyon pèt ki gen dwa ede ou rete nan kay ou. Gen lòt opsyon ki gen dwa ede ou kite kay ou san ou pa pase pa sezi. Pami opsyon limitasyon pèt yo gen tit olye de sezi, delè gras, plan ranbousman, lavant ak pèt, oswa yon modifikasyon prè.

    Si ou gen pwoblèm fè peman yo pou prè pou achte kay ou a, oswa si yo ofri ou diferan opsyon limitasyon pèt epi w ap reflechi sou yo, kontakte yon ajans konsèy sou zafè lojman ke Depatman Lojman ak Devlopman Iben an (HUD) apwouve.

    Ou ka sèvi ak zouti CFPB a “Find a Counselor” (Jwenn yon Konseye) pou jwenn yon lis ajans konsèy nan zafè lojman nan zòn ou ki gen apwobasyon HUD. Ou ka rele Liy asistans pa telefòn HOPE™ la tou, ki ouvè 24 sou 24, sèt jou sou sèt, nan (888) 995-HOPE (4673).

    Si w ap sibi konsekans kowonaviris la

    Jwenn plis enfòmasyon sou opsyon ou genyen yo pou sekou nan zafè prè pou achte kay. 



    Maj (Margin)

    Maj la se kantite pwen pousantaj pretè ipotekè a ajoute sou endèks la pou tabli to enterè w lan sou yon prè ipotekè ak to varyab (ARM) lè peryòd to inisyal la fini. Maj la tabli nan kontra prè w la epi li p ap chanje apre kloti an. Montan maj la depann de pretè ak prè patikilye a.

    Konprann ki wòl maj la jwe nan yon prè ipotekè ak to varyab. 



    Depans mansyèl (Monthly expenses)

    Se kantite ou depanse chak mwa. Li kapab gen ladan, pami lòt bagay, obligasyon regilye tankou lwaye oswa peman prè pou achte achte, sèvis piblik, peman machin, peman soutnans pou timoun, ak peman asirans, epitou bagay esansyèl tankou manje. Pifò nan obligasyon sa yo gen yon dat echeyans fiks.

    Evalye depans mansyèl ou avèk zouti pou suiv depans sa a. 



    Ipotèk (Mortgage)

    Yon ipotèk se yon akò ant oumenm ak yon pretè ki kite ou jwenn lajan prete pou achte oswa refinanse yon kay epi ki bay pretè a dwa pou li pran pwopriyete w lan si ou pa remèt lajan ou jwenn prete a.

    Si ou pare pou pran yon prè pou achte kay, jwenn plis enfòmasyon sou zafè achte kay la. 



    Lis kontwòl pou kloti sou ipotèk (Mortgage closing checklist)

    Yon lis kontwòl kloti prè pou achte kay se yon lis etap ou ka itilize pou pare epi aprann sa pou w atann. Li ka ede ou idantifye kesyon pi enpòtan pou poze davans yo pou w kapab klotire avèk konfyans.

    Sèvi ak fèy travay sa a pou pare pou kloti an. 



    Frè kloti sou ipotèk (Mortgage closing costs)

    Frè kloti sou ipotèk se tout frè ou pral peye yo nan kloti an. Sa gen ladan komisyon sou prè a, frè evalyasyon, depans rapò kredi, frè asirans tit, ak tout lòt frè pretè w la egzije oswa ki pou peye nan kad yon tranzaksyon prè imobilye. Pretè yo oblije ba ou rezime depans sa yo nan Estimasyon Prè a.

    Jwenn plis enfòmasyon sou sa ki fèt nan kloti an. 



    Asirans ipotèk (Mortgage insurance)

    Asirans ipotèk la pwoteje pretè a si ou vin an reta nan peman ou yo. Yo nòmalman egzije asirans ipotèk si akont ou an mwens pase 20 pousan valè pwopriyete a. Asirans ipotèk la nòmalman obligatwa tou sou prè FHA ak USDA. Men, si ou gen yon prè òdinè epi akont ou a mwens pase 20 pousan, gen anpil chans pou w gen asirans prè ipotekè prive (PMI).

    Konprann kijan asirans prè ipotekè a mache 



    Modifikasyon prè pou achte kay (Mortgage loan modification)

    Yon modifikasyon prè pou achte kay se yon chanjman nan kondisyon prè w lan. Modifikasyon an se yon kalite limitasyon pèt.

    Li plis (ann anglè) 



    Refinansman ipotèk (Mortgage refinance)

    Refinansman prè pou achte kay la se lè ou pran yon lòt prè pou fin peye ansyen prè ou an nèt epi ranplase li. Rezon ki souvan lakòz refinansman se pou bese to enterè mansyèl la, pou bese peman prè pou achte kay la, oswa pou jwenn prete plis lajan. Lè ou refinanse, ou nòmalman gen pou peye frè ak depans kloti. Si ou refinanse epi ou jwenn yon peman mansyèl ki pi ba, ou dwe konprann ki kantite nan rediksyon an ki soti nan yon to enterè pi ba ak ki kantite ki se poutèt dire prè w la pi long.


    Dire ipotèk la (Mortgage term)

    Dire prè pou achte kay ou a se kantite tan ou genyen pou w remèt prè a. Pou pifò kalite kay yo, dire prè yo se nòmalman 15, 20 oswa 30 ane.

    Eksplore ki opsyon ki genyen pou dire prè. 



    Komisyon sou prè (Origination Fee)

    Yon komisyon sou prè se sa pretè a fè moun ki jwenn prè a peye pou li fè prè pou achte kay la. Komisyon sou prè a gen dwa gen ladan travay sou demann nan, emisyon ak finansman prè a, ak lòt sèvis administratif. Komisyon sou prè yo jeneralman ka ogmante nan sèten sikonstans sèlman.

    Jwenn plis enfòmasyon sou pri montaj dosye prè a. 



    Asirans tit pwopriyetè (Owner's title insurance)

    Asirans tit pwopriyetè ofri pwoteksyon pou mèt kay la si yon moun asiyen li epi di li gen dwa sou kay la depi anvan mèt kay la te achte li.

    Li plis (ann anglè) 



    Finansman pace (konpetitif) (Pace financing)

    Finansman PACE (Konpetitif) la ofri yon fason pou finanse amelyorasyon nan kay pou efikasite enèjetik.

    Li plis (ann anglè) 


    Reklamasyon pasyèl (Partial claim)

    Reklamasyon pasyèl la se yon fason pou sèvi ak asirans prè ipotekè pou ede yon mèt kay ki an difikilte evite yo sezi kay li. Konpayi k ap jere prè pou achte kay la fè yon reklamasyon kont asirans prè ipotekè a pou montan tout peman prè pou achte kay ki pa t peye yo, epi konpayi asirans la mete lajan an sou kote nan yon kont separe. Lè sa a, lè pretè a refinanse prè pou achte kay la, vann kay la, oswa anile prè pou achte kay la yon lòt jan, y ap peye montan reklamasyon pasyèl la bay konpayi k ap jere prè pou achte kay la. Pafwa, montan reklamasyon pasyèl la pa kouvri tout montan peman ki pa t fèt yo, epi nan ka sa yo pretè a dwe peye diferans la.


    Ranbousman montan toatal sou ipotèk (Payoff amount)

    Ranbousman montan total sou ipotekè w la se kantite w ap gen pou peye toutbon pou satisfè kondisyon prè pou achte kay ou a epi fin peye dèt ou a nèt. Ranbousman montan total sou ipotèk w la diferan de balans ou genyen kounye a. Balans ou genyen kounye a gen dwa pa reflete kantite ou gen pou peye toutbon an pou fin satisfè prè a nèt. Ranbousman montan total sou ipotèk w la gen ladan tou peman tout enterè ou dwe jiska jou ou gen lentansyon fin peye prè w la nèt lan. Ranbousman montan total sou ipotèk gen dwa gen ladan tou lòt frè ou genyen epi ke ou poko peye. 



    Lòd PCS (PCS orders)

    Militè ki nan sèvis aktif yo gen dwa resevwa lòd chanjman pòs pèmanan (PCS). Lòd PCS yo se deplasman ofisyèl yon militè (ak tout manm fanmi ki rete avèk li) pou ale nan yon lòt lye sèvis. Si militè a se mèt yon kay, li gen dwa chwazi vann li. Si militè a dwe plis sou kay la pase sa kay la vo, li gen dwa gen difikilte vann kay li an. Gen konpayi k ap jere peman prè ki ofri pwogram pou kite militè yo vann kay yo san yo pa gen pou remèt rès balans prè a. Ale sou resous pou militè pou plis enfòmasyon. 



    PITI

    Kapital, Enterè, Taks, ak Asirans, yo rele yo PITI, se kat eleman debaz yon peman mansyèl sou prè pou achte kay la.

    Li plis (ann anglè) 



    PMI

    Asirans Ipotèk Prive a (PMI) se yon kalite asirans ipotèk ki bon pou pretè w la. Ou gen dwa oblije peye pou PMI si akont ou a mwens pase 20 pousan valè pwopriyete a epi ou gen yon prè òdinè. Ou gen dwa kapab anile PMI an lè ou fin akimile yon sèten kantite valè san dèt sou kay ou a.

    Konprann pi byen ki lè PMI an obligatwa 



    Frè enterè peye davans (Prepaid interest charges)

    Frè enterè peye davans yo se frè ou gen pou peye nan kloti an pou tout enterè jounalye ki akimile sou prè w lan ant dat ou klotire prè pou achte kay ou a ak peryòd ke premye peman mansyèl sou prè pou achte kay ou a kouvri an.

    Li plis (ann anglè) 



    Penalite sou peman davans (Prepayment penalty)

    Yon penalite poutèt peman davans se yon frè sèten pretè fè peye si ou fin peye nèt tout prè pou achte kay ou a oswa yon pati ladan bonè. Si ou gen yon penalite poutèt peman davans, ou te dakò avèk li lè ou te klotire sou kay ou a. Se pa tout prè pou achte kay ki gen penalite poutèt peman davans. 



    Kapital (Principal)

    Kapital la se montan prè pou achte kay ou gen pou remèt la. Peman mansyèl ou a gen ladan yon pòsyon nan kapital sa a. Lè gen yon peman ki fèt sou kapital la, moun ki jwenn prete lajan an dwe mwens, epi l ap peye mwens enterè baze sou yon gwosè prè pi piti.

    Konprann diferans la ant to enterè a ak kapital la. 



    Taks sou pwopriyete (Property taxes)

    Taks sou pwopriyete se taks jiridiksyon lokal yo fè peye, nòmalman nan nivo konte a, baze sou valè pwopriyete y ap takse a. Souvan, yo kolekte taks sou pwopriyete yo nan peman mansyèl prè pou achte kay ke mèt kay la fè a, epi apre sa yo peye li bay jiridiksyon ki konsène a omwen yon fwa pa ane. Sa rele yon kont avalwa. Si prè a pa gen kont avalwa, alòs mèt kay la ap peye taks sou pwopriyete a dirèkteman.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Ipotèk kalifye (Qualified mortgage)

    Yon Ipotè Kalifye se yon kategori prè ki gen sèten karakteristik pi estab k ap ede fè sa pi fasil pou w kapab peye prè w lan.

    Li plis (ann anglè) 



    Demann ekri kalifye (QWR) (Qualified Written Request (QWR))

    Yon demann kri kalifye, oswa QWR, se korespondans ekri oumenm oswa yon moun k ap aji nan non ou ka voye pou konpayi k ap jere peman prè pou achte kay ou a. Nan plas yon QWR, ou ka voye yon Avi Erè oswa yon Demann Enfòmasyon pou konpayi k ap jere peman prè pou achte kay ou a tou.

    Li plis (ann anglè) 



    Plan ranbousman (Repayment plan)

    Yon plan ranbousman se yon fason estriktire pou ratrape peman prè pou achte kay ou rate yo sou yon sèten peryòd. Se yon kalite limitasyon pèt. Si ou gen pwoblèm fè peman w yo sou prè pou achte kay ou a, pretè w la oswa konpayi k ap jere peman prè pou achte kay ou a gen dwa kite ou antre nan yon plan ranbousman. Anvan ou antre nan yon plan ranbousman, ou dwe konprann egzijans plan an ak èske wi ou non w ap kapab fè nouvo peman yo. 



    Dwa rezilyasyon Reverse mortgage)

    Yon ipotèk envèse kite mèt kay ki gen 62 zan pou pi piti jwenn lajan prete sou valè san dèt kay yo a. Sa rele prè ipotekè “envèse” poutèt, olye pou w fè peman bay pretè a, w ap resevwa lajan nan men pretè a. Lajan ou resevwa a, ak enterè yo mete sou prè a, ogmante balans prè w la chak mwa. Yo rele pifò prè ipotekè envèse ki genyen kounye a HECM, ki se akwonim Prè Ipotekè Konvèsyon.

    Chèche konnen sa ou dwe konsidere anvan ou mande yon prè ipotekè envèse. 



    Dwa rezilyasyon (Right of rescission)

    Dwa rezilyasyon an se dwa yon konsomatè genyen pou li anile sèten kalite prè. Si w ap achte yon kay avèk yon prè, ou pa gen dwa anile prè a lè dokiman kloti yo fin siyen. Men, si w ap refinanse yon prè pou achte kay, ou gen jiska minui nan twazyèm jou ouvrab apre tranzaksyon an pou w rezilye (anile) kontra prè pou achte kay la. Delè twa jou a pa kòmanse toutotan ou pa siyen kontra kredi an (yo rele li abityèlman dwedou), resevwa yon fòmilè deklarasyon Verite nan Prè, epi resevwa de (2) kopi yon avi k ap eksplike dwa ou pou w rezilye. 



    Dezyèm ipotèk (Second mortgage)

    Yon dezyèm ipotèk oswa privilèj ran enferyè se yon prè ou pran avèk kay ou kòm garanti pandan ou toujou gen yon lòt prè avèk kay ou kòm garanti.

    Jwenn plis enfòmasyon sou dezyèm ipotèk. 



    Enterè sekirite (Security interest)

    Enterè sekirite a se sa ki kite pretè a sezi kay la si ou pa remèt lajan ou te jwenn prete a.

    Li plis (ann anglè) 



    Kredi vandè (Seller financing)

    Kredi vandè a se yon prè moun k ap vann kay w ap achte a fè ou.

    Li plis (ann anglè) 



    Moun oswa konpayi k ap bay sèvis (Servicer)

    Moun oswa konpayi k ap bay sèvis se konpayi k ap voye relve kont prè ipotekè w yo pou ou. Se konpayi k ap jere peman prè pou achte kay ou a ki okipe travay kotidyen jere prè w la tou.

    Yon moun oswa konpayi k ap bay sèvis nòmalman fè pase peman prè w lan, reponn kesyon moun ki jwenn lajan prete a, suiv ki kapital ak enterè ki peye, epi jere kont avalwa ou an (si ou gen youn). Konpayi k ap jere peman prè pou achte kay la gen dwa kòmanse pwosesis sezi kay la nan sèten sikonstans moun oswa konpayi k ap bay sèvis gen dwa oswa se gen dwa pa menm konpayi ki te ba ou prè w lan nan kòmansman. 



    Ogmantasyon valè ipotèk pataje (Shared appreciation mortgage)

    Lè ou pran yon prè avèk pataj ogmantasyon valè kay la, ou dakò bay pretè w la yon pati nan tout ogmantasyon nan valè kay ou a.

    Li plis (ann anglè) 



    Lavant ak pèt (Short sale)

    Yon lavant ak pèt se lè ou vann kay ou pou mwens pase sa ou dwe sou prè pou achte kay ou a. Yon lavant ak pèt se yon lòt chwa apa sezi kay la, men poutèt se yon vant, w ap gen pou kite kay ou a. Si pretè w lan oswa konpayi k ap jere peman prè pou achte kay ou a dakò ak yon lavant ak pèt, ou gen dwa kapab vann kay ou a pou fin peye prè pou achte kay ou a nèt, menm si pri devant la oswa rantre a vin mwens pase balans ki rete sou prè pou achte kay ou a. Yon lavant ak pèt se yon kalite limitasyon pèt. Si ou rete nan yon eta kote ou responsab tout defisi, ki se diferans la ant valè pwopriyete w la ak montan ou dwe toujou a sou prè pou achte kay ou a, li t a bon pou w mande pretè w la renonse a defisi an. Si pretè a renonse a defisi an, fè li ba ou renonsyasyon an alekri epi kenbe li nan dosye ou. 



    Ipotèk ak risk (Subprime mortgage)

    Lè pretè yo sèvi ak mo sa yo, yo jeneralman vle di yon pwogram prè pou moun k ap mande prè ki pa kalifye pou prè preferansyèl, epi pwogram sa yo souvan ofri to enterè pi wo.

    Jwenn plis enfòmasyon sou pwosesis achte kay la. 



    Apantay (Survey)

    Apantay la se yon desen pwopriyete w la ki montre anplasman teren an, kay la ak nenpòt lòt estrikti ki genyen, epitou tout amelyorasyon ki fèt sou pwopriyete a.

    Li plis (ann anglè) 



    Frè pou sèvis tit (Title service fees)

    Frè pou sèvis tit yo fè pati frè kloti ou peye yo lè ou jwenn yon prè pou achte kay. Lè w ap achte yon kay, ou resevwa yon dokiman yo lepli souvan rele papye kay, ki montre vandè a te transfere dwa legal li sou kay la, oswa “tit” kay la ba ou. Frè pou sèvis tit yo se depans ki gen pou wè ak emisyon polis asirans tit la pou pretè a.

    Li plis (ann anglè) 



    Pousantaj enterè total (TIP) (Total interest percentage (TIP))

    Pousantaj enterè total la (TIP) se yon dokiman k ap di ou ki kantite enterè ou pral peye pandan dire prè pou achte kay ou a.

    Li plis (ann anglè) 



    Total peman yo (Total of payments)

    Chif sa a di ou montan total lajan w ap gen pou remèt pandan dire prè pou achte kay ou a.

    Li plis (ann anglè) 



    TRID

    “TRID” se yon akwonim sèten moun itilize pou pale de règ Dokiman Entegre TILA RESPA (TILA RESPA Integrated Disclosure) a.

    Li plis (ann anglè) 



    Prè USDA (USDA Loan)

    Sèvis Lojman Riral la, ki fè pati Depatman Agrikilti Etazini an (USDA) ofri pwogram prè pou achte kay san akont epi ki jeneralman gen to enterè favorab pou moun k ap achte kay andeyò yo epi ki respekte egzijans kalifikasyon USDA yo pou revni.

    Jwenn plis enfòmasyon sou sa ak lòt pwogram prè espesyal. 



    Prè VA (VA loan)

    Yon prè VA se yon pwogram prè Depatman Afè Ansyen Konbatan an (VA) ofri pou ede militè yo, ansyen konbatan yo, ak mari/madanm sivivan ki kalifye yo, achte kay. Se pa VA a ki fè prè a men li tabli règ yo pou kiyès ki gen dwa kalifye ak pou kondisyon prè pou achte kay la. VA a garanti yon pòsyon nan prè a pou redui risk pèt la pou pretè a. Prè yo jeneralman disponib sèlman pou yon rezidans prensipal.

    Si ou se ansyen konbatan, chèche konnen si yon prè VA ap bon pou ou.



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    Shopping for a mortgage (in Haitian Creole)
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    Lè w ap chèche prè pou achte kay

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    Chèche prè pou achte kay mande tan ak enèji. Men sa ka fè ou ekonomize plizyè milye dola. Ou dwe gen kòm objektif konpare omwen twa òf prè pou achte kay nan men diferan pretè.

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    Sou paj sa a:

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    Jwenn omwen twa apwobasyon alavans

    Entènèt ak jounal se bon kote pou kòmanse chèche pretè pou achte kay ou a. Kontakte bank yo, kès depay yo, ak òganizasyon ki gen dwa espesyalize nan sitiyasyon w lan—tankou moun k ap achte kay pou premye fwa, ansyen konbatan, travayè nan sèvis piblik, oswa lòt kalite moun.

    Mande omwen twa pretè diferan pou yo ba ou “apwobasyon alavans”. Sa vle di pretè a gade finans ou, sa gen ladan rapò kredi ou, epi li estime konbyen ou ka prete ak ki enterè w ap gen plis chans pou peye.

    Apwobasyon alavans la pèmèt ou eseye chak pretè pou wè ki kalite prè ak pri li ofri. Lè ou jwenn toulètwa apwobasyon alavans yo nan yon peryòd kout, sa pa ta dwe gen gwo konsekans sou nòt kredi ou.

    W ap retounen kote pretè sa yo lè ou pran sèten desizyon, epi mande yo òf prè yo.

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    Chèche konnen dire prè, estrikti to enterè, ak pwogram

    Dire prè a: Pi long oswa pi kout

    An jeneral, yon dire prè pi long koute plis sou dire lavi prè a. Men peman pa mwa ou yo nòmalman pi ba. Ou gen dwa kapab negosye yon lòt dire prè avèk pretè w lan, tankou 20 ane, 7 ane, oswa plis pase 30 ane.

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    Pifò moun k ap achte kay yo chwazi yon prè sou 30 ane poutèt peman yo ka ba.

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    Peman yo nòmalman pi wo pase 30 ane prè yo, men w ap fin peye prè w lan nan 15 anre epi kou total prè a kapab pi ba.

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    Estrikti to enterè prè a: To fiks oswa to varyab

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    Prè ak to fiks yo se bagay ou jwenn souvan. Premye peman w lan gen dwa pi ba avèk yon prè ak to varyab, men si to enterè yo monte ou ta ka fè fas a peman ki ogmante anpil.

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    To enterè w lan ak peman pa mwa w lan p ap janm chanje pandan tout dire prè w lan.

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    To enterè ou nòmalman fiks pandan kèk premye ane prè a. Lè peryòd fiks la ekspire, to a ajiste nan entèval regilye baze sou yon “endèks.” Endèks la se yon mezi to enterè jeneralman, epi li reflete tandans ki genyen nan ekonomi global la. Sa vle di montan peman w lan ka ogmante oswa diminye. W ap jwenn detay yo nan Estimasyon Prè w ap resevwa nan men pretè a.

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    Pwogram prè: Òdinè, FHA, VA, oswa pwogram espesyal

    Gen anpil pwogram prè, epi genyen ki fèt pou ede fè prè pou achte kay vin disponib pou moun ki nan sèten sikonstans oswa nan sèten gwoup.

    W ap bay yon akont 5% pou pi piti?

    Poze kesyon sou prè Fannie Mae oswa Freddie Mac ki kalifye, ke yo souvan rele prè “òdinè”.

    W ap bay yon akont tou piti?

    Poze kesyon sou prè ki gen asirans FHA.

    Ou se militè oswa ansyen konbatan?

    Poze kesyon sou prè ki gen garanti VA

    W ap achte kay andeyò?

    Poze kesyon sou prè USDA parennen.

    Ou se yon moun k ap achte kay pou premye fwa avèk revni ba oswa mwayen?

    Poze kesyon sou prè ou ka jwenn pase pa ajans finansman lojman eta w lan.

    Konpare òf prè yo

    Kounye a, li lè pou kòmanse pwosesis deman prè ofisyèl la. Mande pretè ou yo òf prè ki reflete chwa ou yo pou kalite, pwogram, ak dire prè. Apre sa w ap kapab konpare bagay ki sanble.

    Toudabò, konpare pati debaz yo nan prè a:

    • Kisa dire prè a ye?
    • Kisa to enterè a ye?
    • Sou ki montan akont yo baze prè a?
    • Konbyen peman pa mwa a ye?
    • Pou prè ipotekè ak to varyab, èske ajisteman peman yo ak to enterè a gen plafon? Èske to enterè a ap bese si to enterè mache a tonbe?

    Answit, konpare rès detay yo ki ka gen konsekans sou depans ou:

    • Ki lè peman mwen yo ap fin peye kapital la?
    • Èske peman yo ap chanje pandan dire prè a? Ki wotè peman mwen an ka monte?
    • Èske peman mwen an gen ladan taks sou pwopriyete ak asirans? Si se pa sa, èske m ap kapab peye yo separeman?
    • Ki depans ak frè y ap ajoute nan premye peman mwen an? Nan lòt peman mwen yo?
    • Èske fò mwen peye pwen (frè davans ki redwi to enterè w lan)?
    • Ki frè ak depans ki antre nan montan m ap prete a (nòmal pou yon prè “san frè kloti”)?
    • Èske òf ki ekri an menm ak sa yo te di mwen sou prè a?
    • Èske mwen ka jwenn yon pi bon afè pou sèvis règleman nan men diferan founisè sèvis?
    • Èske mwen ka fin remèt prè a nèt, oswa fè peman ki pi gwo pase sa ki prevwa yo, san penalite?

    Mande yon pi bon afè

    Lè ou fin wè òf plizyè pretè, mande si yo ka fè youn ki pi bon. Negosyasyon se bagay ki fèt souvan, epi pa gen danje nan mande. Pretè a gen dwa kapab anile oswa redwi youn nan frè yo, oswa bese to enterè a oswa pwen yo.

    Verifye pretè a pa bese yon frè epi monte yon lòt, oswa bese to enterè w lan men monte pwen ou yo.

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    Shopping for your auto loan (in Haitian Creole)
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    Chache alantou prè otomobil ou

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    Chache alnatou prè epi eseye jwenn to ak kondisyon ki pi bon yo, menmsi sa konplike, se menm konparezon pou lè w ap achte lòt bagay. Chache alantou bonè ap fè w pare pou negosyasyon prè otomobil ou, epi sa ap fè pwosesis la mwens estresan.

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    Prepare anvan ou aplike pou yon prè otomobil

    W ap nan yon pi bon pozisyon pou chache alantou ak negosye pou yon prè otomobil si ou swiv etap sa yo anvan ou aplike pou yon prè.

    Tcheke rapò kredi ou

    Enfòmasyon ki nan rapò kredi ou ap detèmine nòt kredi ou yo. Nòt kredi ou jwe yon gwo pati nan detèmine ki kalite prè otomobil ou ka jwenn, ak konbyen enterè ou pral peye sou prè a. Men kèk resous itil:

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    Eske w bezwen yon ko-siyatè?

    Yon ko-siyatè se yon moun - tankou yon paran, yon manm fanmi, oswa yon zanmi - ki gen obligasyon nan yon kontra pou peye prè a menm jan ou ye a. Si istwa kredi ou limite oswa ou bezwen amelyore’l, epi ou gen yon pwen kredi ki ba (oswa pa gen nòt kredi), to enterè ou ta ka siyifikativman pi ba si ou gen yon ko-siyatè ak bon kredi oswa ekselan. Se paske kreditè a pral konte sou istwa kredi ko-siyatè a ak nòt nan deside fè prè a.

    Si w panse gen yon ko-siyatè, ou menm ak potansyèl ko-siyatè a ta dwe reflechi ak anpil atansyon sou desizyon sa a. Si ou pa ranbouse prè ou a, ou menm ak ko-siyatè w la ap responsab pou ranbousman an. Ko-siyatè a responsab pou prè a menmsi li pa gen dwa pou posesyon sou machin nan. Anplis de sa, nenpòt peman an reta ki fèt sou prè a li ka afekte dosye kredi ak eskò ou ak dosye kredi ak eskò ko-siyatè w la tou. Anjeneral, lalwa federal entèdi yon kreditè pou mande w gen yon ko-siyatè si w aplike pou yon prè endividyèlman epi ou kalifye dapre estanda kreditè a pou solvabilite pou prè a. Pou plis enfòmasyon sou ko-siyati vizite consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    Konsilte to denterè prè otomobil kounyè a

    Ou ka chache to denterè yo nan diferan bank, kredi inyon ak lòt pretè. Konsa tou ou ka ale sou Entenèt nan paj plizyè sant komèsyal ki ka ba ou yon estimasyon to denterè yo nan diferan zòn peyi a. Kèk sit entènèt ka konekte ou ak pretè espesifik oswa dilè pou ka ba ou estimasyon, kidonk li enpòtan pou ou fè atansyon ak ki kalite enfòmasyon pèsonèl w ap bay.

    Konsidere yon peman davans

    Yon peman davans ap bese kantite total ou bezwen finanse paske w ap bezwen prete mwens lajan. Toutotan peman davans la pi wo, se konsa total prè a ap pi piti.

    Deside si ou vle chanje machin ou genyen kounye a

    Si ou deja gen yon machin, chache konnen valè li pou wè konbyen ou ka mande pou li si ou ta fè yon echanj oswa si ou ta vann li an prive. Ou ka konsilte valè apwoksimatif machin nan sou sit entènèt kèk biznis tankou Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power and kèk paj anons sou entènèt. Resous sa yo ka disponib tou nan bibliotèk zòn ou an. Sa ka ede ou tou si ou ka jwenn enfòmasyon sou machin ki te vann pa lontan nan zòn ou an pou sa konnen pri yo byen.

    Depi ou fin gen yon ide de konbyen lajan machin ou an koute, ou ka deside si w ap fè yon echanj oswa si w ap vann li oumenm. Si ou fè echanj machin nan kay yon vandè otomobil, oumenm ak vandè a ap deside ki valè nou dwe detèmine pou sa konnen pri pwochen otomobil la. Si ou vann machin nan ou poukont ou, ou ka itilize lajan lavant la kòm peman avans.

    Si machin ou pral vann nan gen yon prè otomobil aktif sou li, fòk ou panse desizyon an ak anpil swen

    Konsidere ak anpil swen si ou dwe pran yon lòt kredi pou ajoute sou dèt ou te deja genyen an. Men kèk analiz ak etap:

    • Pran kantite ranbousman an, ki se kantite lajan ou bezwen pou peye prè a, nan men pretè ou gen kounye a avan ou ale nan biznis k ap vann machin nan.
    • Deside si ou pral ranbouse prè ou genyen kounye a, tann jiskaske ou fin peye prè ansyen machin ou an anvan ou prete pou yon lòt machin, oswa mete kantite ou dwe toujou a sou machin ou an nan nouvo prè otomobil la.
    • Si ou dwe plis sou machin ou an ke valè li — ke yo rele alanvè — lè sa ou gen yon valè negatif. Si ou envesti balans prè machin ou gen deja a nan nouvo prè otomobil la, sa ka fè nouvo prè otomobil la pi chè anpil. Pri total prè a ap pi wo paske ou pral prete plis pase pri nouvo machin nan.
    • Apre ou fin etidye pri echanj la, si kantite ou dwe sou chanjman an pi piti ke valè reyèl la, asire pandan nenpòt negosyasyon ou konsidere si ou va jwenn yon bon valè pou echanj machin lan epi si w ap ka ranbouse ansyen prè otomobil la.
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    Èske ou toujou dwe sou echanj ou an?

    Si ou panse reenvesti balans ansyen prè a nan nouvo a, asire ou konprann kijan sa pral afekte pri total nouvo prè ou an. Pran san ou pou gade pri total prè a ansanm ak tout kantite yo prete w la, to pousanj lane a (APR), to denterè a, dire prè a (nan kè mwa), epi peman chak mwa– anvan ou asepte nenpòt bagay. Si ou pa pase lajan ou dwe sou ansyen machin ou sou nouvo prè a, epi ou toujou gen premye machin nan pandan ke ou achte yon nouvo, w ap gen de (2) prè ak de (2) peman pou fè chak mwa. Lòt kote, ou ka bezwen konsidere si sa gen sans pou kontinye tranzaksyon an epi achtè yon nouvo machin pandan ou dwe toujou sou premye machin ou vle chanje a. Pou jwenn plis enfomasyon ale nan consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    Panse sou opsyon adisyonèl yo anvan

    Lè ou ale kote dilè machin nan, y ap ofri ou pwodwi ak sèvis adisyonèl pou machin nan oswa pou prè a. Se yon bon lide pou panse sou sèvis ekstra sa yo depi kounye a, konsa ou p ap gen twòp preyokipasyon kay dilè a, epi w ap gen repons tou pare lè yo poze ou kesyon sou sèvis ekstra yo. Sèvis ekstra yo gen anjeneral:

    Pwodwi ak sèvis sa yo, ke ou ka finanse, se si ou vle. Si ou achte yo, pri a negosyab. Si ou panse ou vle achte pwodwi oswa sèvis sa yo, chache fè konparezon. Pa egzanp, konpayi asirans otomobil ou an ka ofri asirans GAP, asiranks kredi, oswa lòt chwa. Si ou finanse sèvis opsyonèl yo nan prè ou pran an, kantite ou prete ak sa ou gen pou peye a ap ogmante.

    Kounye a ke ou fè devwa ou, ou prè pou pase lòt etap la, ki se chache konpare prè otomobil ou an. Itilize papye prè oto a nan consumerfinance.gov pou swiv tras tèm prè yo epi konpare opsyon. Ale ak fèy kalkil la nan bank la, kredi inyon, lòt pretè, ak dilè a pou ou sa konpare opsyon kredi epi deside sa ki pi nan avantaj ou.

    Chache alantou prè otomobil ou

    Kounye a ou pare pou chache alantou prè otomobil ou an. Anvan ou ale kay dilè a, reyini tout enfòmasyon pèsonèl ou epi panse jwenn apwobasyon prè a davans.

    Chache alantou bonè ap fè w pare pou negosyasyon prè otomobil ou, epi sa ap fè pwosesis la mwens estresan.

    Reyini enfòmasyon pèsonèl ou

    Lè ou prale labank, kredi inyon, oswa kote vandè machin nan, asire ou gen tout enfòmasyon ke ou bezwen. Pretè yo jeneralman mande enfòmasyon sa yo nan yon aplikasyon pou prè:

    • Non
    • Nimewo Sekirite Sosyal oswa ITIN
    • Dat ou fèt
    • Adrès aktyèl ak adrès anvan yo epi konbyen tan ou te rete nan kay la
    • Kote w ap travay, travay anvan yo epi konbyen tan ou fè nan travay yo
    • Okipasyon ou
    • Sous revni ou yo
    • Revni total avan taks
    • Enfòmasyon finans ou de kont kredi aktyèl, ansanm ak lòt dèt

    Jwenn pre-apwobasyon pou yon prè

    Lè ou jwenn pre-apwobasyon pou prè oswa kalifye pou yon kantite maksimòm prè ak to denterè nan bank, kredi inyon, oswa lòt pretè, sa se yon bon kote pou kòmanse. Si ou pote yon estimasyon prè de yon pretè bay dilè a, ou dwe nan yon pozisyon gwo negosyan pou ta jwenn yon pi bon afè, swa ou rete ak pri ou te pote a oswa ou deside asepte òf finansman dilè a.

    Pre-apwobasyon ka ede ou tou rete nan limit bidjè ou epi ede ou konpare to denterè yo san presyon tan ou ka santi yon fwa ke ou kaydilè a. Apresa kay dilè a, ou ka konsantre ou plis sou pri aktyèl machin nan ak pri echanj la paske w ap deja konnen tout bagay ke ou bezwen sou kondisyon prè a. W ap toujou gen chwa pou negosye yon prè ki pi bon kay dilè a epi pa itilize pre-apwobasyon.

    Si aplikasyon ou resevwa pre-apwobasyon, pretè a ap ba ou dokiman pou pote bay dilè a. Yon fwa ke ou pare, dilè a ap fè dènye aranjman yo ak pretè ou an.

    Konprann kijan chache alantou yon prè afekte nòt kredi ou

    Chache pi bon zafè nan prè otomobil jeneralman gen yon tikras oswa ankenn enpak sou nòt kredi ou(yo). Benefis rechèch la pi enpòtan lontan pase nenpòt enpak sou kredi ou. Nan kèk ka, si ou aplike pou plizyè prè pandan yon peryòd tan ki long, sa ka bese nòt kredi ou. Toudepan ki modèl nòt kredi ki itilize, jeneralman nènpòt kesyon oswa ankèt pretè yo sou nòt kredi ou ki fèt nan yon espas tan ki soti 14 pou rive 45 jou ap konte tankou yon sèl ankèt. Sa vle di ke chache yon prè otomobil pandan peryòd tan sa ap konte tankou ou te aplike pou yon sèl prè. Ou ka redwi nenpòt enpak negatif sou nòt kredi ou si ou fè tout envestigasyon to denterè yo nan yon peryòd tan ki kout.

    Konnen dwa ou

    Yon pretè pa ka dekouraje ou oswa refize aplikasyon kredi ou, oswa ofri ou pri diferan oswa lòt tèm ak kondisyon de prè sou baz ras ou, koulè, relijyon, nasyonalite, sèks, eta sivil, laj, poutèt ou resevwa revni asistans piblik, oswa egzèsis bòn fwa nenpòt dwa ki nan Lwa Pwoteksyon Konsomatè Kredi a.

    Ou ka depoze yon plent sou entènèt nan Komisyon Komès Federal la (FTC) nan reportfraud.ftc.gov oswa nan Biwo Pwoteksyon Finans Konsomatè (CFPB) nan consumerfinance.gov/complaint oubyen rele gratis nan 1-855-411-CFPB (2372).

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    Helping multilingual communities and newcomers

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    In the United States, financial products and services are generally described in English. For those who primarily speak another language, it can be challenging to understand and use these products and services.

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    Sending money abroad

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    People have federal rights and protections that apply when using money transfer services.

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    Millions of people in the United States speak languages other than English. The most widely spoken languages in the United States other than English include Spanish, Chinese, Haitian Créole, Tagalog, Korean, Vietnamese, Russian, and Arabic.

    Limited English ability and not being familiar with the U.S. financial system can make it hard to navigate the financial marketplace. To help people understand common financial products and transactions, we provide information in multiple languages.

    Help by phone is available in more than 180 languages when you call (855) 411-2372.

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    Resources for the people you serve

    Find CFPB materials that can help your clients understand financial products and services, see answers to common questions, and take action.

    Help during COVID-19

    People may be struggling to make ends meet during the pandemic. They may be facing foreclosure or eviction if the pandemic affected their income or living situation. Find tips and help in multiple languages.

    Blogs, e-mails, videos, handouts, and posts you can share (multiple languages)

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    Find the resources you want, in the languages you need

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    For the people you serve who have proficiency in languages other than English, we offer information that they can read and listen to, in their preferred languages.

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    Consumer resources in Spanish

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    Find Spanish-language guides to financial products, answers to common questions, information on how to submit a complaint about consumer financial products and services, and more.

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    Financial well-being scale in Spanish

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    Answer ten questions to measure your current financial well-being and see steps you can take to improve it.

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    Housing disclosure documents in Spanish

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    Whether you’re just thinking about buying a home or about to close, we help you take control of the process.

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    Shining a light on small business lending in Spanish

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    See information and resources on small business lending. Share your experiences with getting a small business loan.

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    Spanish-English translations: Notices after you applied for credit

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    Find translated versions of notices to help you understand the information you receive from your lender after you apply for credit.

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    Spanish-English translations: Prepaid card disclosures

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    Find translated versions of disclosures about fees and services, to use as you compare prepaid cards.

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    Haitian Creole | Kreyòl Ayisyen

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    + + 메인 컨텐츠로 이동 + +
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    + An official website of the + United States government +
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    Act fast if you can’t pay your credit cards (in Korean)
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    신용카드 대금을 결제할 수 없다면 빠르게 대처하세요

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    신용카드의 최소 결제액을 납부할 수 없다고 생각되시면 바로 해당 신용카드 회사에 전화하세요.

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    많은 신용카드 회사들은 재정적 어려움을 겪고 있는 경우, 도움을 드릴 수 있습니다. 결제 대금이 연체되지 않아도 도움을 요청할 수 있습니다!

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    문제를 무시하지 마세요

    다음과 같은 더 큰 문제들이 발생할 수 있습니다.

    • 더 높은 이자율
    • 더 높은 최소 결제액
    • 결제 권한 상실
    • 연체료
    • 신용점수 손상

    해야 할 일

    1. 수입과 지출을 합산하세요.

    비용을 줄일 수 있는 방법을 찾아야 합니다. 최소 결제액을 납부할 수 없다면 얼마를 납부할 수 있는지 결정하시기 바랍니다.

    2. 신용카드 회사에 전화하세요.

    다음 사항을 명확히 설명해야 합니다.

    • 최소 결제액을 납부할 수 없는 이유
    • 납부할 수 있는 금액
    • 정상적으로 납부를 다시 시작할 수 있는 시기

    3. 신용 상담을 고려하세요.

    더 많은 도움이 필요하시다면 비영리 신용 상담 기관을 통해 돈을 관리하는 방법을 배울 수 있습니다.

    신용 상담을 신청하기 전, 상담료가 있는지 묻고, 상담료는 얼마인지 그리고 어떤 서비스가 제공되는지 문의하시기 바랍니다. 신용 상담사가 시간을 내어 재정 상태를 파악하고 상황을 개선하기 위한 방법에 대해 도움을 줄 수 있는지도 확인하시기 바랍니다.

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    쉬운 해결책은 없습니다

    일부 영리 목적의 채무 구제 회사들은 채무 상환을 “훨씬 더 저렴하게” 할 수 있다고 합니다. 그러나 대부분 이러한 약속은 지켜지지 않습니다. 다음과 같은 채무 구제 기관들을 유의하시기 바랍니다.

    • 채무를 해결하기 전에 수수료를 부과하는 경우
    • 채무를 없애 주겠다고 보장하는 경우
    • 대출업체 또는 신용카드 회사와 연락을 중단하도록 요구하는 경우
    • 신용카드 또는 대출에 대한 결제를 중단하도록 요구하는 경우
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    + + 메인 컨텐츠로 이동 + +
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    + An official website of the + United States government +
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    + + + (855) 411-2372 + +
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    Auto loan key terms (in Korean)
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    자동차 대출 주요 용어

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    현금 환산 가치 (ACV) (Actual Cash Value (ACV))

    현금 환산 가치(ACV)는 전국자동차딜러 협회(National Automobile Dealers Association) 또는 켈리블루북(Kelley Blue Book) 과 같이 널리 알려진 독립적인 출처에 따른 자동차의 가치입니다.

    (영어로) 추가 정보 읽기

    할부 상환 (Amortization)

    할부 상환은 자동차 대출을 점차적으로 갚아가는 과정을 말합니다. 할부 상환 대출에서는 각 월별 상환금이 일부는 대출금(원금)에 적용되고 일부는 금융 수수료(이자)에 적용됩니다.

    (영어로) 추가 정보 읽기

    연이율(APR) (Annual Percentage Rate (APR))

    연이율(APR)은 수수료를 포함하여 돈을 빌리기 위해 매년 내는 비용을 퍼센트로 표현한 것입니다. APR은 이자율 뿐만 아니라 대출을 받기 위해 지불해야 하는 수수료도 반영하기 때문에 돈을 빌리는 데 드는 비용을 보다 광범위하게 측정한 것입니다. APR이 높을수록 대출 기간 동안 더 많은 돈을 냅니다.

    자동차 대출에서 APR과 이자율은 돈을 빌리는 데 드는 비용의 가장 중요한 두 가지 척도입니다. 연방 공정대출법(TILA)에 따라 대출업체는 소비자가 대출에 대한 의무를 지기 전, APR을 포함하여 중요한 조건에 대해 특정한 공시를 해야 합니다. 모든 대출업체가 APR을 제공해야 하므로, 자동차 대출을 비교하기 위해 APR을 사용할 수 있습니다. 단, APR을 이자율이 아닌 APR과 비교하고 있는지 주의를 기울여야 합니다.

    양수인 (Assignee)

    양수인은 자동차 대출 채권을 매입하는 사람 또는 회사입니다. 예를 들어, 소비자에게 신용을 제공하는 자동차 딜러가 이 대출 채권을 은행에 판매하여 은행이 양수인이 될 수 있습니다. 채무자는 대출 채권을 매입한 이에게 돈을 갚아야 합니다. 양수인은 해당 자동차에 대해 유치권을 보유하며 채무자가 채무를 상환하지 않으면 자동차를 압류할 수 있습니다.

    기본 가격 (Base price)

    기본 가격은 옵션이 없는 자동차의 가격입니다.

    (영어로) 추가 정보 읽기

    구매 이자율 (Buy rate)

    구매 이자율은 소비자가 딜러 파이낸싱을 신청하였을 때 잠재적 대출업체가 딜러에게 견적을 내주는 이자율입니다.

    (영어로) 추가 정보 읽기

    연대 보증인 (Co-signer)

    연대 보증인은 부모나 가까운 가족 구성원 또는 친구와 같이 채무자가 대출을 갚지 않으면 대신 갚겠다고 담보를 서는 사람입니다. 이는 채무자와 대출업체 양측에 이득이 될 수 있습니다. 연대 보증인은 대출금을 상환할 전적인 책임을 집니다. 대출업체는 채무자의 대출에 연대 보증인이 있으면 대출 상환이 이루어질 것이라는 확신을 추가로 가질 수 있습니다. 채무자가 대출을 상환하지 않는 경우, 연대 보증인은 자동차를 한 번도 운전하지 않았어도 상환해야 할 책임을 집니다. 대출에 연대 보증인이 되어 달라는 요청을 받으면 개인 재정에 어떠한 영향을 미치는지 꼭 고려해야 합니다.

    신용보험 (Credit insurance)

    신용보험은 선택형 보험으로 채무자의 사망 또는 장애와 같이 특정한 상황에서 대출업체에게 자동차 대출 상환금을 지급합니다. 신용보험을 고려하는 중이시라면 제공되는 약관의 조건을 이해하고 있는지 확인해야 합니다. 보험이 필요하다고 결정한 경우, 신용보험을 구매하여 자동차 대출에 추가하는 것보다 해당 보험과 같은 보장성을 더 저렴하게 확보할 수 있는 방법을 찾아봐야 합니다. 예를 들어 생명보험은 신용생명보험 보다 저렴하고 가족들은 자동차 대출을 포함하여 다른 비용도 상환할 수 있습니다.

    채무 면제 또는 유예 (Debt cancellation or suspension products)

    일부 자동차 딜러 및 은행과 신용 조합은 “채무 면제” 또는 “채무 유예” 상품 또는 보험을 다양한 명칭으로 제공합니다. 이러한 상품들은 기능 차원에서는 신용보험과 유사하지만 수수료 및 기타 특성은 다를 수 있습니다.

    (영어로) 추가 정보 읽기

    결손 잔액 (Deficiency balance)

    채무자의 자동차가 압류 후 매매되는 경우, 대출에 남은 잔액(압류 수수료 추가)과 판매액의 차액을 내야 할 수 있습니다. 이는 “결손 잔액”이라 합니다.

    계약금 (Down payment)

    계약금은 자동차의 총비용에 대한 초기 선 지급금입니다. 계약금은 현금, 보상판매 가치 또는 둘 다일 수 있습니다. 계약금을 더 낼수록 빌려야 하는 금액이 줄어듭니다. 더 많은 계약금은 매월 내야 하는 상환금과 총 대출 비용을 줄 일 수 있습니다.

    보증 연장 또는 자동차 서비스 계약 (Extended warranty or vehicle service contract)

    보증 연장 또는 자동차 서비스 계약은 제조사 보증에 추가로 또는 제조사 보증이 종료된 후, 일부 유형의 수리 비용을 보장합니다.

    (영어로) 추가 정보 읽기

    금융 및 보험 부서 (Finance and insurance department)

    대리점에서 자동차를 구매하는 경우, 영업 사원이 금융 및 보험 부서(F&I) 또는 영업소 직원을 소개할 수 있습니다. 이는 대리점의 한 부분으로 고객이 대리점에서 자동차 구매에 동의한 후 대출 및 선택형 부가 기능을 판매합니다.

    (영어로) 추가 정보 읽기

    고정금리 대출 (Fixed-rate financing)

    고정금리 대출은 대출 기간 동안 이자율이 바뀌지 않는다는 뜻입니다. 고정금리를 사용하면 매월 납부하는 상환액과 대출 기간 동안 납부하게 될 총 금액을 알 수 있습니다. 대출 상환금이 변하지 않기를 원하는 경우 고정금리 대출을 선호하실 수 있습니다. 고정금리 대출은 대출의 한 종류입니다. 또 다른 대출의 종류로는 변동금리 대출이 있습니다.

    강제 부과 보험 (Force-placed insurance)

    자동차를 구매하기 위해 대출을 받으려면, 자동차 자체에 대한 보험이 있어야 합니다. 채무자가 보험을 들지 않았거나 보험이 만료된 경우, 계약에 따라 대출업체는 자동차를 보장하기 위해 보험에 가입할 수 있습니다. 이 보험을 “강제 부과 보험”이라 부릅니다.

    (영어로) 추가 정보 읽기

    자동차 보호 보장(GAP) 보험 (Guaranteed Auto Protection (GAP) insurance)

    GAP 보험은 자동차 대출에 대한 채무자의 채무 금액과 차량이 도난, 손상 또는 전손 된 경우 보험이 지불하는 금액 간의 차액(또는 격차)을 보상합니다. 이 보험에 가입할 필요는 없지만 가입을 원한다면 여러 곳을 알아보는 것이 좋습니다. 대출업체는 이 상품에 대해 다양한 가격을 책정할 수 있습니다.

    이자율 (Interest rate)

    자동차 대출의 이자율은 돈을 빌리기 위해 매년 지불하는 비용을 퍼센트로 표현한 것입니다. 이자율은 대출 수수료를 포함하지 않습니다.

    자동차 대출에서 APR 과 이자율은 돈을 빌리는 데 드는 비용의 가장 중요한 두 가지의 척도입니다. 연방 공정대출법(TILA)에 따라 대출업체는 소비자가 대출에 대한 의무를 지기 전, APR을 포함하여 중요한 조건에 대해 특정한 공시를 해야 합니다. 모든 대출업체가 APR을 제공해야 하므로, 자동차 대출을 비교하기 위해 APR을 사용할 수 있습니다. 단, APR을 이자율이 아닌 APR과 비교하고 있는지 주의를 기울여야 합니다.

    대출 기간 (Loan term or duration)

    이는 자동차 대출 기간으로 일반적으로 개월 수로 표시됩니다. 대출 기간이 짧을수록(더 적은 개월 수 동안 월 상환금을 납부하는) 총 대출 비용이 줄어듭니다. 더 긴 대출은 월 상환금을 줄일 수 있지만 대출 기간 동안 더 많은 이자를 지불해야 합니다. 또한 더 긴 대출은 자동차 가치보다 자동차에 더 많은 빚이 있는 역자산이 될 위험이 있습니다.

    자산가치 대비 융자 금액 비율 (Loan-to-value ratio)

    자산가치 대비 융자 금액 비율(LTV)은 대출의 총 달러 가치를 차량의 실제 현금 가치(ACV)로 나눈 값입니다. 일반적으로 퍼센트로 표시됩니다. 계약금은 대출의 자산 가치 대비 융자 금액 비율을 줄여 줍니다.

    (영어로) 추가 정보 읽기

    강제 중재 (Mandatory binding arbitration)

    강제 중재 조항이 포함된 계약에 서명하는 것은 법원 대신 분쟁을 결정하는 중재인을 통해 계약에 대한 모든 분쟁을 해결하는 데 동의하는 것입니다. 또한, 결정에 항소하거나 집단 소송에 참여할 수 있는 능력과 같은 기타 권리를 포기하는 데 동의하는 것일 수도 있습니다.

    (영어로) 추가 정보 읽기

    제조사 인센티브 (Manufacturer incentives)

    제조사 인센티브는 0% 융자 또는 현금 환급과 같이 신규 자동차에 대해 광고된 특가입니다. 대부분 특정 차종에 대해서만 제공됩니다.

    (영어로) 추가 정보 읽기

    권장소비자가격(MSRP) (Manufacturer Suggested Retail Price (MSRP))

    권장소비자가격(MSRP)은 자동차 제조사(제조업체)가 대리점에게 차량 판매 시 권장하는 가격입니다.

    (영어로) 추가 정보 읽기

    역자산 (Negative equity)

    자동차 가치보다 현재 자동차 대출에 대한 빚이 더 많으면(“거꾸로 된” 상태라고 불림) 역자산입니다. 즉, 차량을 팔려고 하면 이미 빚진 금액을 받을 수 없습니다. 예를 들어, 자동차 대출에 1만 달러의 빚이 있고 현재 차량의 가치가 8천 달러라고 가정합니다. 이 경우에는 2천 달러의 역자산이 있다는 의미입니다. 차량을 보상판매하고 새 차량을 구입하기 위한 자동차 대출을 받으려면 이 역자산을 갚아야 합니다.

    신용 조회가 없는 또는 “여기에서 구매하고 여기에서 납부”하는 자동차 대출 (No credit check or "buy here, pay here" auto loan)

    “신용 조회가 없는” 또는 “여기에서 구매하고 여기에서 납부”하는 자동차 대출은 일반적으로 신용이 없거나 신용이 좋지 않은 채무자에게 대리점이 “사내” 자동차 대출을 제공하는 것입니다.

    (영어로) 추가 정보 읽기

    원금 (Principal)

    원금은 원래 갚기로 동의한 돈입니다.

    일반적으로 자동차 대출에 대한 모든 납부금은 지불해야 할 모든 수수료(예: 연체료)에 먼저 적용됩니다. 다음으로는 해당되는 경우 연체된 이자를 포함하여 지불해야 할 모든 이자에 납부금의 잔액이 적용됩니다. 그런 다음 나머지 납부금은 대출의 원금 잔액에 적용됩니다.

    위험 기반 가격 책정 (Risk-based pricing)

    위험 기반 가격 책정은 소비자가 대출금을 상환하지 못할 것으로 예상되는 위험을 기반으로 대출업체가 각 소비자들에게 다른 이자율 또는 다른 기타 대출 조건을 제공할 때 발생합니다.

    (영어로) 추가 정보 읽기

    총비용 (Total cost)

    이는 대출 기간 동안 원금, 이자 및 모든 계약금 또는 보상판매를 포함하여 자동차를 구입하기 위해 지불하는 모든 금액을 말합니다.

    공정대출법 공시 (Truth in Lending disclosure)

    연방 공정대출법(줄여서 “TILA”)은 채무자가 법적으로 대출금을 상환해야 하는 법적 의무가 발생하기 전에 중요한 신용 조건에 대해 서면 공시를 받도록 규정하고 있습니다. TILA 공시에 포함된 정보와 공시를 언제 받고 검토해야 하는지 자세히 알아보시기 바랍니다.

    변동금리 대출 (Variable-rate financing)

    변동금리 대출은 우대 금리 또는 “지수”라고 하는 다른 금리에 따라 대출 금리가 변경될 수 있습니다. 변동금리 대출의 경우 지수 금리가 변함에 따라 대출 이자율이 달라지며, 이는 이자율이 오르거나 내릴 수 있음을 의미합니다. 이자율이 올라갈 수 있기 때문에 월 상환금도 올라갈 수 있습니다. 대출 기간이 길수록 금리가 인상될 수 있는 시간이 더 많기 때문에 변동금리 대출은 채무자에게 더 위험할 수 있습니다. 변동금리 대출은 대출의 한 종류입니다. 또 다른 대출의 종류로는 고정금리 대출이 있습니다.

    대출업체 단일 이익(VSI) 보험 (Vendor's Single Interest (VSI) insurance)

    VSI 보험은 차량이 손상되거나 파손되었을 경우 대출업체를 보호하지만 소비자는 보호하지 않습니다.

    현금 환산 가치(ACV) 기

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    + + 메인 컨텐츠로 이동 + +
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    + An official website of the + United States government +
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    Bank accounts key terms (in Korean)
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    은행 계좌 주요 용어

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    자동결제시스템(ACH) (Automated Clearing House (ACH))

    자동결제시스템(ACH) 승인은 대출업체가 소비자의 은행, 신용 조합 또는 선불 카드 계정에서 납기일에 납부금을 전자적으로 이체할 수 있도록 허용하는 결제 승인입니다. 이 승인은 취소할 수 있습니다.

    자동납부 (Automatic debit payment)

    자동납부는 해당 회사가 소비자의 은행 계좌에서 직접 납부금을 이체해 가도록 허용하는 것입니다. 이는 은행에서 제공하는 청구서 납부 기능과 다릅니다. 반복적인 청구서 납부는 소비자의 은행이나 신용 조합이 해당 회사로 납부금을 송금하도록 허용하는 것입니다.

    양도성예금증서(CD) (Certificate of deposit (CD))

    양도성예금증서 또는 CD는 은행 또는 신용 조합이 제공하는 특별한 유형의 저축 계좌입니다. 벌금을 내지 않으려면 지정된 기간 동안 자금을 CD에 보유해야 합니다.

    (영어로) 추가 정보 읽기

    양도성예금증서(CD) 연장 (Certificate of deposit (CD) rollover)

    CD 기간 종료 시 연장 또는 갱신을 할 수 있습니다.

    (영어로) 추가 정보 읽기

    송금환수표 (Demand draft)

    송금환수표는 본인 서명 없이 누군가가 당좌계좌에서 돈을 인출할 수 있도록 허용합니다.

    (영어로) 추가 정보 읽기

    입금 보류 (Deposit hold)

    은행 또는 신용 조합에서 소비자가 수표로 예금하는 자금을 보류하는 시간을 “입금 보류” 또는 “수표 보류”라고 합니다. 일부 은행 또는 신용 조합은 법적으로 요구하는 기간보다 더 빨리 자금을 풀 수 있으며, 일부는 유료로 자금을 더 빨리 풀 수도 있습니다.

    수탁자 (Fiduciary)

    수탁자란 다른 사람의 돈 또는 재산을 관리하는 사람입니다. 수탁자로 지명된 경우에는 법적으로 본인의 이득이 아니라 해당 돈과 재산의 소유주를 위해 돈과 재산을 관리하도록 요구됩니다.

    재산관리 후견인 (Guardian of property)

    재산관리 후견인은 법원에서 돈과 재산을 혼자서 관리할 수 없다고 판단한 사람의 돈과 재산을 관리하도록 법원이 지명하는 사람입니다.

    (영어로) 추가 정보 읽기

    개인 납세자 식별 번호(ITIN) (Individual taxpayer identification number (ITIN))

    ITIN은 국세청 (Internal Revenue Service) 에서 받는 식별 번호입니다. ITIN은 사회보장번호를 받을 수 없는 특정 비거주자 및 거주 외국인, 그리고 그의 배우자 및 부양가족에게만 제공됩니다.

    공동명의 계좌 (Joint account)

    친구나 가족 구성원이 본인을 대신하여 수표를 작성하고 입금을 할 수 있도록 하고 싶다면 공동명의 계좌 개설을 고려해 보시면 됩니다. 일반적으로 공동명의 계좌에 이름이 등록되어 있는 모든 사람은 수표 작성, 돈 출금, 거래, 자금 이체 또는 계좌를 해지할 수 있습니다. 예금주 중 한 명이 채무가 있다면, 채권자가 공동명의 은행 계좌에서 돈을 추심하려고 할 수도 있습니다.

    수시입출금식 저축성예금 (Money market account)

    수시입출금식 저축성예금은 은행과 신용 조합이 제공하는 특별한 유형의 계좌입니다.

    (영어로) 추가 정보 읽기

    잔액부족(NSF) 수수료 (Non-sufficient funds (NSF) fees)

    NSF 또는 잔액부족 수수료는 수표 또는 전자 승인이 계좌의 잔액부족으로 지급되지 않을 때 부과될 수 있습니다. 이는 흔히 “반환” 또는 “부도” 수표라 합니다.

    초과인출 (Overdraft)

    초과인출은 계좌에 거래를 위한 돈이 충분하지 않지만 은행이 거래를 위한 돈을 지급하는 경우에 일어납니다. 수표, ATM(현금 자동 입출금기) 거래, 직불카드 구매, 자동 청구서 납부 및 전자 또는 대면 출금에 의해 초과인출이 일어날 수 있습니다.

    많은 은행과 신용 조합은 일반적으로 은행 또는 신용 조합이 거래에 대해 돈을 지급하고 소비자에게 초과인출 금액 및 수수료를 부과하는 초과인출 보호 프로그램을 제공합니다. 초과인출은 연동된 계좌, 신용카드 또는 한도대출에서 자금 이체를 통해 지불할 수도 있습니다.

    개인 한도대출 (Personal line of credit)

    개인 한도대출은 수시로 이용할 수 있는 대출입니다. 특별한 수표를 작성하거나 전화 또는 온라인으로 본인의 당좌계좌로 이체를 요청합니다.

    신용카드 계정과 같이 신용 한도가 있고, 매월 청구서를 받고, 최소 결제금을 납부하고, 미결제 잔액에 따라 이자를 내고, 계정을 이용할 때마다 수수료를 낼 수 있습니다.

    개인 한도대출은 본인의 주택에 대한 담보 대출을 통해 받는 주택 담보 신용 대출(HELOC)과는 다르게 담보가 없습니다. 개인 한도대출은 은행과 신용 조합에서 제공되며 대부분 동일한 기관에 당좌 계좌도 있어야 합니다.

    위임장 (Power of attorney)

    위임장(POA)은 본인을 대신하여 다른 사람이 업무를 대행할 수 있도록 허용하는 법적 문서입니다. POA를 작성하는 것은 대리 의사 결정자를 지정하는 방법이며 변호사의 도움이 필요할 수 있지만 비교적 저렴합니다.

    재정적 POA는 미래의 행위능력 상실, 예를 들어 치매, 외상성 뇌 손상 또는 정신 기능에 영향을 미치는 기타 장애로 인해 재정적 결정을 내릴 수 없는 상황에 대비하는 수단으로 사용할 수 있습니다. 사전 계획을 위해 사용될 경우, POA는 일반적으로 “지속적”입니다. 이는 작성자가 행위능력을 상실하더라도 효력이 지속된다는 뜻입니다. 위임장 (POA) 에 대해 자세히 알아보려면 계속 읽어보시기 바랍니다.

    대리 수령인 (Representative payee)

    사회보장국(SSA)은 사회보장연금 또는 생활보조금(SSI)을 관리하는 데 도움이 필요한 사람들을 위해 대리 수령인을 지정합니다. 대리 수령인은 SSA에서 지급하는 혜택과 관련된 수표만 관리할 수 있습니다. 혜택을 받는 수혜자가 다른 돈이나 재산을 관리할 수 없는 경우, 대리 수령인이 다른 자금을 관리하기 위해서는 다른 출처로부터 법적 권한을 받아야 합니다. 예를 들어 대리 수령인은 법원에 의해 재산관리 후견인 으로 지정될 수 있습니다. 사회보장 혜택의 대리 수령인은 수탁자 가 됩니다.

    대리 수령인에 대한 자세한 정보는 다른 사람의 돈 관리에 대한 본 가이드 를 읽어보시기 바랍니다.

    취소 가능한 생전신탁 (Revocable living trust)

    취소 가능한 생전신탁은 신탁에 보관된 다른 사람의 돈 또는 재산에 대해 본인이 결정을 내릴 수 있도록 권한을 부여하는 법적 문서입니다.

    (영어로) 추가 정보 읽기

    재향군인 수탁자 대리 수령인 (Social Security representative payee)

    대리 수령인은 사회보장연금 또는 생활보조금(SSI)을 관리하는 데 도움이 필요한 사람들을 위해 사회보장국(SSA)에서 지정합니다.

    (영어로) 추가 정보 읽기

    재향군인 수탁자 (VA fiduciary)

    수탁자 란 다른 사람의 돈 또는 재산을 관리하는 사람입니다. 보훈부(VA)는 직접 자신의 자금을 관리할 수 없는 사람들을 위해 재향군인 혜택을 관리하도록 VA 수탁자를 지정합니다.

    (영어로) 추가 정보 읽기

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    + + 메인 컨텐츠로 이동 + +
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    + An official website of the + United States government +
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    신용카드 주요 용어

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    연이율(APR) (Annual percentage rate (APR))

    APR 또는 연이율은 대출 비용이 얼마인지 비교하는 표준적인 방법입니다. 이는 대출 상품의 비용을 “같은” 기준으로 비교할 수 있도록 합니다. 신용카드 회사는 소비자가 카드 사용에 동의하기 전 APR을 꼭 공시하여야 합니다.

    APR을 계산하려면 1년의 기간에 걸쳐 빌리는 금액에 대해 이자율과 수수료를 비교하여 산출해야 합니다. 이를 통해 신용카드 비용을 6개월 할부 대출과 비교할 수 있습니다. 이는 또한 APR이 보통 단순한 이자율과 다른 이유입니다.

    잔액 이체 (Balance transfer)

    잔액 이체는 아직 납부하지 않은 카드대금 잔액을 한 신용카드에서 다른 신용카드로 이체할 수 있도록 해주며 때로는 수수료가 부과됩니다. 수수료는 보통 이체하는 금액의 일정 비율 또는 고정된 금액 가운데 더 큰 금액이 부과됩니다. 많은 신용카드 회사들은 빚을 한 신용카드로 통합하도록 0% 또는 저금리 잔액 이체를 제공합니다. 대부분의 잔액 이체에 대한 홍보용 이자율은 제한된 기간 동안만 제공됩니다. 그 이후에는 새로운 신용카드의 이자율이 인상되어 납부금이 많아질 수 있습니다.

    납부금이 60일 이상 연체되는 경우, 신용카드 회사는 이체된 잔액을 포함하여 모든 잔액에 대해 이자율을 인상할 수 있습니다.

    크레딧 잔액 (Credit balance)

    청구서에 있는 크레딧 잔액 (credit balance) 은 카드 발급사가 소비자에게 지급해야 하는 금액입니다.

    크레딧은 소비자가 대금을 납부할 때마다 계정에 추가됩니다. 또한 신용카드로 산 것을 반품하거나 리워드 또는 이전 청구서 상의 실수로 인해 추가될 수 있습니다. 크레딧의 총액이 본인이 내야 하는 금액을 초과하는 경우, 명세서에 크레딧 잔액이 표시됩니다.

    (영어로) 추가 정보 읽기

    일간 정기 이자율 (Daily periodic rate)

    일부 카드 발급사는 일간 정기 이자율을 사용하여 이자를 계산합니다. 일간 정기 이자율은 하루가 끝날 때 지불해야 하는 금액에 이자율을 곱하여 이자를 계산합니다. 그런 다음 이 이자는 전 날의 잔액에 추가되는데 이는 이자가 매일 복리로 계산된다는 뜻입니다.

    유예기간 (Grace period)

    유예기간은 대금 청구 주기의 끝과 대금 결제 기일 사이의 기간을 말합니다. 기일까지 대금 전액을 납부하는 경우 이 기간 동안은 이자가 부과되지 않을 수 있습니다. 신용카드 회사는 유예기간을 제공하지 않아도 됩니다. 그러나 대부분의 신용카드 회사는 구매에 대해 유예 기간을 제공합니다.

    (영어로) 추가 정보 읽기

    이자율 (Interest rate)

    신용카드의 이자율은 돈을 빌리는 데 내는 비용입니다. 신용카드 이자율은 일반적으로 연간 이자율로 표시되며 이를 연이율(APR)이라고 부릅니다. 대부분의 카드는 매월 납기일까지 잔액을 전액 지불하면 구매한 것에 대해 이자를 내지 않아도 됩니다.

    사전 선별된 신용카드 제안 (Prescreened credit card offer)

    사전 선별된 신용카드 제안은 신용카드 회사가 신용평가기관의 정보를 사용하여 소비자의 신용 기록이 카드 회사에서 정한 기준을 충족하는 경우 소비자에게 확정된 신용을 제안하는 것입니다.

    (영어로) 추가 정보 읽기

    무단 사용 (Unauthorized use)

    일반적으로 무단 사용은 카드를 사용할 권리가 없는 사람이 신용카드를 사용한 것을 말합니다. 예를 들어, 카드를 분실하였는데 누군가가 그 카드를 찾아 사용한다면 이는 무단 사용한 것입니다.

    (영어로) 추가 정보 읽기

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    + + 메인 컨텐츠로 이동 + +
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    + An official website of the + United States government +
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    + + + (855) 411-2372 + +
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    Credit reports and scores key terms (in Korean)
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    신용 보고서 및 점수 주요 용어

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    신용 조회 (Credit inquiry)

    신용 조회는 본인의 신용 파일 열람을 요청하는 것을 말하며, 두 가지 유형 중 하나입니다.

    (영어로) 추가 정보 읽기

    신용 사각지대 (Credit invisible)

    2015년 CFPB에서는 2천6백만 명의 미국인들이 “신용 사각지대”에 놓여 있다는 보고서를 출판하였습니다. 이 수치는 성인 10명 중 1명은 전국 3대 신용평가기관 중 어느 곳에도 신용 기록이 없음을 나타냅니다. 추가로 천9백만 명의 소비자는 “점수를 매길 수 없는” 신용 파일을 가지고 있으며 이는 금융 이력 부족 즉 신용 기록이 불충분하거나(990만 명) 오래된 파일이라 최근 신용 기록이 부족함을 의미합니다(960만 명). 요약하자면 점수를 매길 수 있는 신용 기록이 없기 때문에 신용에 대한 접근이 거부될 수 있는 소비자의 수는 4천5백만 명에 이릅니다. 신용 사각지대에 놓여 있거나 점수를 매길 수 없는 신용을 가진 사람들은 일반적으로 양질의 신용에 접근할 수 없으며 신용을 얻는 것부터 아파트 임대에 이르기까지 다양한 문제에 직면할 수 있습니다.

    신용 모니터링 서비스 (Credit monitoring service)

    신용 모니터링 서비스는 소비자의 신용 보고서 를 주시하고 신용 보고서에 기재된 계정의 변동 사항에 대해 알림을 제공하는 유료 상업 서비스입니다.

    (영어로) 추가 정보 읽기

    신용 보고서 (Credit report)

    신용 보고서는 개인의 신용 활동과 대출 납부 내역 및 신용 계정 현황과 같은 현재의 신용 상황에 대한 정보를 담고 있는 내역서입니다.

    신용평가기관 (Credit reporting company)

    신용평가기관은 신용 조사 기관 또는 소비자 보고 기관으로 알려져 있으며 신용 보고서를 만들고 판매하는 회사입니다.

    신용 점수 (Credit score)

    신용 점수는 대출을 제때 갚을 확률을 예측합니다. 회사들은 스코어링 모델(scoring model)이라고 하는 수학 공식을 사용하여 신용 보고서에 있는 정보를 가지고 신용 점수를 생성합니다. 소비자에게 신용 점수는 “하나”만 있는 것이 아니며 대출업체뿐 아니라 소비자에게 제공되는 신용 점수도 여러 가지가 있다는 것을 아는 것이 중요합니다. 모든 신용 점수는 계산에 사용된 데이터에 따라 다르며 스코어링 모델, 신용 기록 출처, 대출 상품 유형 및 심지어는 계산 날짜에 따라 다를 수 있습니다.

    공정신용보고법 (Fair Credit Reporting Act)

    연방 공정신용보고법(FCRA)은 소비자 보고 기관의 파일에 있는 정보의 정확성, 공정성 및 개인정보보호를 증진합니다. 소비자 조사 기관 및 전문 기관(수표 작성 내역, 의료 기록 및 임대 내역 기록 정보를 판매하는 기관 등)을 포함하여 여러 유형의 소비자 보고 기관이 존재합니다. FCRA에 따른 주요 권리 에 대해 자세히 알아보시기 바랍니다.

    파이코 점수 (FICO score)

    파이코® 점수(FICO score)는 특정한 브랜드의 신용 점수입니다.

    (영어로) 추가 정보 읽기

    사기 경보 (Fraud alert)

    사기 경보는 신규 계좌 개설, 추가 카드 발급, 또는 소비자 요청에 따라 기존 계좌의 신용 한도 증액 전에 소비자의 신용 보고서를 확인하는 채권자가 소비자의 신원도 확인하도록 요구합니다. 소비자가 한 곳의 전국 신용평가기관을 통해 신용 보고서 에 사기 경보를 설정해 놓은 경우 해당 기관은 다른 기관에 통보하여야 합니다. 사기 경보의 주요 유형 두 가지로는 초기 사기 경보와 확장형 경보가 있습니다.

    신원 모니터링 또는 신원 도용 보호 (Identity monitoring or identity theft proection)

    신원 도용 보호 서비스는 신용 신청서, 공공 기록, 웹사이트 및 기타 장소에서 개인적으로 식별 가능한 정보를 모니터링하여 신원 도용이 의심되는 비정상적인 활동을 찾습니다.

    (영어로) 추가 정보 읽기

    신원 도용 (Identity theft)

    신원 도용은 누군가가 본인의 신원을 도용하여 사기를 행할 때 발생합니다. 신원을 도용하는 것은 다음과 같은 개인 정보를 본인의 허락 없이 사용하는 것을 뜻할 수 있습니다.

    • 이름
    • 사회보장번호
    • 신용카드 번호

    현역 군인 경보 (Military active duty alert)

    군인(예: 해병대, 육군, 해군, 공군, 해안경비대)은 현역 군인 경보를 요청할 수 있습니다. 신용 보고서에 현역 군인 경보를 설정하면 채권자는 계정 개설, 기존 계정에 신용카드 추가 발급 또는 기존 계정에 신용 한도를 늘리기 전에 요청한 사람이 실제로 본인인지 확인하기 위해 합당한 조치를 취해야 합니다. 현역 경보는 12개월 동안 지속됩니다. 또한 2년 동안 전국 신용평가기관의 신용 제안 및 보험에 대한 사전 선별 마케팅 목록에서 이름이 삭제될 것입니다.

    지불된 추심 (Paid collection)

    지불된 추심은 연체되어 추심으로 넘어갔다가 지불된 계정입니다.

    (영어로) 추가 정보 읽기

    보안 잠금 (Security freeze)

    신용 보고서에 “보안 잠금”을 설정해두면 본인이 잠금을 풀 때까지 신규 채권자가 본인의 신용 파일에 접근하거나 다른 이들이 본인의 명의로 계정을 개설하는 것을 막을 수 있습니다. 대부분의 사업체들은 신용 보고서 조회 없이 신용 계정을 개설하지 않으므로 잠금은 신원 도용 범죄자들이 본인의 명의로 새로운 계정을 개설하는 것을 막습니다.

    전문 소비자 평가 회사 (Specialty consumer reporting company)

    전문 소비자 평가 회사는 고용 이력, 사업체와의 거래 내역 또는 특정 상품이나 서비스에 대한 상환 내역에 대한 정보를 수집하고 공유합니다.

    세입자 심사 보고서 (Tenant screening report)

    임대인이 사용하는 보고서로 잠재적 세입자에 대해 결정을 내리는 데 도움이 됩니다. 세입자 심사 보고서는 본인의 임대 내역과 신용 보고서를 포함하여 여러 출처에서 뽑은 정보를 담을 수 있습니다.

    (영어로) 추가 정보 읽기

    금융 이력 부족 또는 신용 파일 없음 (Thin credit file / No credit file)

    금융 이력 부족 또는 신용 파일 없음은 신용 이력이 없거나 신용 점수를 생성하기 위한 충분한 신용 이력이 현재 없음을 뜻합니다. 참고: 신용 사각지대

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    신용상담사 (Credit counselor)

    신용상담사는 다음에 대해 도움을 줄 수 있습니다.

    • 돈과 부채 관리에 대한 조언
    • 예산 계획
    • 무료 교육 자료와 워크샵 제공
    • 일반적으로 신용상담사는.소비자 신용, 돈, 부채 관리 및 예산 계획에 대해 인증 및 교육을 받은 사람입니다. 상담사들은 개인의 전체 금융 상황에 대해 협의하고 돈 문제들을 해결하기 위해 맞춤화된 계획을 개발합니다. 

    채권추심 규정 (Debt Collection Rule)

    CFPB는 2021년 11월 30일에 연방 공정채권추심법(FDCPA)을 명확히 하고 해석하는 “규정”을 발표했습니다.

    (영어로) 추가 정보 읽기 

    채권추심자 (Debt collector)

    연방 공정채권추심법에 따르면 채권 추심업자는 일반적으로 다른 사람 또는 회사에 빚진 부채가 보통 연체된 경우에 정기적으로 추심하는 사람입니다.

    채권추심자는 채권추심 기관 또는 사업의 일부로 추심을 하는 변호사를 포함합니다. 또한 채권자 또는 기타 사업체로부터 연체된 부채를 구매하여 추심하려는 회사들도 있습니다. 이러한 채권추심자들은 또한 채권추심 기관, 채권추심 업체 또는 부채 구매자라고 부르기도 합니다. 

    채무조정(탕감) 서비스 (Debt settlement (relief) services)

    채무조정 회사들은 채권자 또는 채권 추심업자에게 진 부채의 조건을 재협상, 합의 또는 변경할 수 있다고 이야기하는 회사들입니다. 채무조정 회사들과 거래하는 것은 위험할 수 있습니다.

    (영어로) 추가 정보 읽기 

    공정채권추심법(FDCPA) (Fair Debt Collection Practices Act (FDCPA))

    공정채권추심법(FDCPA)은 채권추심 관행을 규율하는 주요 연방법입니다. FDCPA는 채권추심 회사들이 채무자로부터 채권을 추심하기 위해 폭력적이거나 불공정하고 기만적인 관행을 사용하는 것을 금지합니다. FDCPA에 따라 보장되는 권리에 대한 정보를 자세히 읽어 보시기 바랍니다. 

    채권 압류 (Garnishment)

    임금 압류 또는 은행 계좌 채권 압류는 채권자가 채무자의 급여 일부 또는 은행 계좌에서 돈을 가져가 빚진 돈을 회수하는 경우 발생합니다. 채권 압류는 일반적으로 판결 로 인한 법원 명령이 요구됩니다. 그러나 정부에게 빚진 특정 부채는 판결 없이 압류로 이어질 수 있습니다.

    주정부 및 연방 법에는 일반적으로 생활비를 보장할 수 있도록 은행 계좌 및 임금 압류에 적용되는 한도 또는 “면제”가 있습니다. 또한 임금이 합법적으로 압류될 수 없는데 채권추심자가 임금이 압류될 것이라고 위협하는 것은 공정 채권추심법(FDCPA)에 위반됩니다. 

    채권추심자에 의한 괴롭힘 (Harassment by a debt collector)

    공정채권추심법(FDCPA)에 따르면 채권 추심업자는 채무자 본인 또는 연락을 하는 다른 이들을 괴롭히거나, 억압 또는 학대할 수 없습니다.

    채권추심자에 의한 괴롭힘은 여러 형태로 나타날 수 있습니다. 예를 들면 채무자 또는 전화를 받는 사람을 짜증 나게 하거나 학대 또는 괴롭히기 위한 반복적인 전화, 외설적이거나 모독적인 언어 사용, 폭력 또는 해를 가하겠다는 위협, 부채 상환을 거부하는 사람들의 명단 게시(신용평가기관에 하는 정보 보고는 포함되지 않음) 및 누구인지 밝히지 않고 전화하기 등이 있습니다. 

    판결 (Judgment)

    판결은 법원 소송에 대한 공식적인 결과입니다. 채권추심 소송에서 판사는 채권자 또는 채권추심자 에게 채무자에 대한 판결을 내릴 수 있습니다. 법적 고소장에 응답하지 않는 경우, 자신을 변호할 수 있는 기회를 잃게 되며 본인에게 불리한 판결이 내려질 수 있습니다.

    누군가가 본인을 고소하거나 본인에 대한 판결을 확보한 경우에 어떻게 해야 할지 모르겠다면 변호사와 상담하시기 바랍니다. 어떤 변호사들은 무상으로 서비스를 제공하거나 감액된 비용을 청구할 수 있습니다. 또한 특정 기준을 충족할 경우 무상으로 서비스를 제공하는 법률 구조 사무 소 또는 법률 클리닉이 해당 지역에 있을 수 있습니다. 군인들은 지역 JAG 사무소 에 상담하시기 바랍니다. 

    제한된 내용 메시지 (Limited-Content Message)

    채권추심 규정에 의거하여, 소비자에게 남기는 음성사서함 메시지는 특정 필수 정보를 포함해야 하고 기타 선택적 내용을 포함할 수 있습니다.

    (영어로) 추가 정보 읽기 

    원채권자 (Original creditor)

    일반적으로 원채권자는 채무자에게 대출 또는 신용을 준 회사입니다. 원채권자는 연체된 신용 계정을 직접 추심하거나 채권추심자를 고용할 수 있습니다. 원채권자는 채무자의 신용 계정을 채권추심자에게 팔 수도 있습니다. 채권추심자는 일반적으로 특정 채무자의 계정에 대하여 채권추심을 하도록 계약된 제3자, 또는 부채를 원채권자, 다른 채권추심자 또는 채무 구매자로부터 구매한 이를 말합니다. 

    소멸시효 (Statute of limitations)

    소멸시효는 채권자나 채권추심자가 채무를 회수하기 위해 소송을 제기 해야 하는 제한된 기간입니다. 대부분의 소멸시효는 3년에서 6년 사이이지만, 특정 관할권에서는 더 연장될 수도 있습니다. 소멸시효는 주정부 법, 부채 유형, 신용 계약서에 명시된 주정부 법에 따라 다를 수 있습니다. 

    세부명세 통지 (Validation Notice)

    채권추심자는 소비자와 처음 연락할 때 또는 그 직후 특정 정보를 제공해야 합니다. 채권추심자가 이 필수 정보를 전자적으로 또는 서면으로 제공하는 경우 이를 세부명세 통지라고 합니다.

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    고령자 재정적 착취 (Elder financial exploitation)

    고령자 재정적 착취는 고령자의 자금, 부동산 또는 자산의 불법 또는 부적절한 사용입니다. 가장 흔한 유형의 고령자 학대이지만, 오직 소수의 사건만이 신고됩니다.

    가해자는 고령자의 신뢰를 얻은 낯선 사람일 수도 있지만 가족이나 친구일 수도 있습니다. 경고 신호를 아는 것이 중요합니다. (영어로) 추가 정보 읽기.

    부동산 압류 경감 사기 (Foreclosure relief scam)

    부동산 압류 경감 및 모기지 대출 조건 조정 사기는 부동산 압류로부터 구제해주겠다는 허위의 약속으로 돈 또는 주택을 뺏으려는 책략입니다. 이러한 사기꾼들은 선불로 돈을 요구하고 모기지 조건 조정을 보장한다고 주장할 수 있습니다. 모기지 납부금을 지불하는데 어려움을 겪고 있는 경우 HUD 승인 주택 상담 기관이 무료로 귀하의 선택권을 설명해드릴 수 있습니다.

    예방을 위한 사기 경보 (Fraud alert for prevention)

    사기 경보는 새로운 계정의 신원 도용의 피해자가 될 가능성을 줄이기 위해 사용할 수 있는 것입니다. 이는 신규 계좌를 개설, 추가 카드 발급, 소비자 요청에 따라 기존 계좌의 신용 한도 증액 전에 본인의 신용 보고서를 확인하는 채권자가 귀하의 신원을 확인하도록 요구합니다. 본인이 한 곳의 전국 신용 평가 회사를 통해 신용 보고서에 사기 경보를 걸어 놓을 경우 해당 회사는 타사에 통보하여야 합니다.

    사기 경보에는 주요 유형 두 가지, 첫 사기 경보 및 연장된 경보가 있습니다. 군인에게는 추가적 옵션으로 현역 경보가 있으며 군인이 현역으로 근무하는 동안 보호를 제공합니다.

    (영어로) 추가 정보 읽기.

    수탁자에 의한 사기 (Fraud by fiduciaries)

    수탁자는 다른 이의 돈과 부동산을 관리하는 사람입니다. 예를 들어, 위임장을 동한 대리인 또는 법원 지명 보호자는 수탁자입니다.

    본인이 수탁자로 지명된 경우, 본인의 이득이 아닌 해당되는 이의 이득을 위해 그의 돈과 부동산을 관리하도록 법이 요구합니다. 수탁자가 자신의 이득을 위해 돈을 쓰는 경우, 이는 사기일 수 있습니다.

    신원 도용 (Identity theft)

    신원 도용은 누군가가 본인의 신원을 도용하여 사기를 행할 때 발생합니다.

    본인의 신원을 도용하는 것은 본인의 이름, 사회 보장 번호, 은행 계좌 정보 또는 신용 카드 번호와 같은 개인 정보를 본인의 허락 없이 사용하는 것을 뜻할 수 있습니다 신원 도용 방지와 대응에 대해 연방 통상 위원회 정보 가 제공됩니다.

    사칭 사기 (Imposter scams)

    사칭 사기꾼은 보안관, 지역, 주 또는 연방 정부 직원 또는 자선 단체와 같이 귀하가 알고 있거나 신뢰하는 사람인 것처럼 가장하여 돈을 보내도록 설득하려 합니다. 발신자 번호는 위조될 수 있음을 기억하십시오. 돈을 주기 전에 언제든지 조직이나 정부 기관에 전화하여 그 사람이 그 곳에서 일하는지 물어볼 수 있습니다.

    우편 사기 (Mail fraud)

    우편 사기 편지는 진짜처럼 보이지만 약속은 가짜입니다. 일반적인 경고 신호는 돈이나 정보를 보낸 후에 귀중한 것을 얻기 위해 지금 돈이나 개인 정보를 보내달라고 요청하는 편지입니다.

    피싱 (Phishing)

    피싱에서 사기꾼은 기업이나 개인을 사칭하여 암호, 신용 카드 번호 또는 은행 계좌 정보와 같은 개인 정보를 제공받도록 귀하를 속입니다. 사기꾼은 사기성 이메일, 문자 또는 웹사이트를 사용하여 이 정보를 도용할 수 있습니다. 이러한 이메일은 진짜처럼 보일 수 있습니다.

    예방을 위한 보안 동결 (Security freeze for prevention)

    보안 동결은 본인이 동결을 풀 때까지 신규 채권자가 본인의 신용 파일에 접근하고 다른 이들이 본인의 명의로 계정을 개설하는 것을 막습니다.

    대부분의 사업체들은 귀하의 신용 보고서 조회 없이 신용 계정을 개설하지 않으므로 동결은 신원 도용 범죄자들이 본인의 명의로 새로운 계정을 개설하는 것을 막습니다. 동결은 신원 도용 범죄자들이 기존 계정을 탈취하는 것을 막지 못한다는 점에 유의하십시오.

    (영어로) 추가 정보 읽기.

    스푸핑 (Spoofing)

    스푸핑은 발신자가 표시된 발신자 정보를 위장할 때 발생합니다. 이는 발신자가 특정 위치에서 특정 사람으로 전화를 거는 것처럼 나타나도록 이름 및/또는 번호를 위장하거나 “스푸핑”할 수 있습니다.

    전신 송금 또는 자금이체 사기 (Wire or money transfer fraud)

    사기꾼들은 귀하로부터 돈을 훔치기 위해 돈을 송금하거나 이체하도록 속입니다. 전신 송금 사기의 일반적인 예는 “조부모 사기”입니다. 손주나 손주의 친구로 가장한 사기꾼이 전화를 걸어 외국에 있다거나 무슨 일이 생겨 당장 전신 송금이나 이체가 필요하다고 말하는 경우입니다.

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    + + 메인 컨텐츠로 이동 + +
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    How to avoid foreclosure (in Korean)
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    부동산 압류를 피하는 방법

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    모기지 상환에 어려움을 겪고 있을 때 가장 중요한 일은 상황을 통제하는 것입니다. 대부분의 경우, 아무것도 하지 않는 것이 가장 나쁜 선택입니다. 상황을 통제한다는 것은 다음 네 가지 단계를 따르는 것을 의미합니다.

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    1. 도움을 요청하는 전화를 하거나 받으세요.

    도움을 요청하기 위해 모기지 서비스 기관에서 오는 전화를 받도록 합니다. 더 좋은 방법은 월 상환금을 낼 수 없다는 사실을 알게 되는 즉시 모기지 서비스 기관으로 전화를 하는 것입니다. 전화번호는 매월 받는 모기지 명세서에 적혀 있습니다. 월 상환금을 낼 수 없는 이유를 모기지 서비스 기관에 알리고 압류를 피하기 위한 도움을 요청하시기 바랍니다.

    2. 무료 전문가의 도움을 요청하세요.

    대출 상환에 문제가 생기면, 대출 서비스 기관에서 도움을 줄 수 있습니다. 대출 서비스 기관으로부터 필요한 도움을 받을 수 없다면, 가까이에 있는 주택 상담기관을 통해 전문가의 도움을 요청하시기 바랍니다. 상담사는 맞춤형 행동 계획을 세워주고 모기지 회사와 함께 상황을 해결할 수 있도록 도와줄 수 있습니다. HUD 공인 주택상담사를 찾으시려면 웹사이트(consumerfinance.gov/mortgagehelp)를 방문하거나 (800) 569-4287로 전화하여 우편 번호를 입력하시면 됩니다.

    3. 사기를 조심하세요.

    사기꾼들은 도움을 주겠다는 거짓된 약속을 하며 수천 달러에 이르는 많은 돈을 요구하여 어려움에 처한 주택 소유자를 이용하려고 합니다. 부동산 압류를 피하기 위해 누군가에게 돈을 지불할 필요가 없습니다. 필요한 도움은 모기지 서비스 기관이나 HUD 공인 주택 상담 기관을 통해 무료로 받을 수 있습니다.

    4. 지원을 신청하세요.

    모기지 서비스 기관은 채무자에게 연락하여 정확한 정보를 제공하고, 받을 수 있는 손실 경감 옵션에 대해 알려주어야 합니다. 손실 경감이란 부동산 압류를 피하기 위해 모기지 서비스 기관과 채무자가 협력하는 것을 말합니다. 작성한 신청서를 모기지 서비스 회사로 일찍 보내면 주택을 유지할 수 있는 방법에 대해 안내해 주거나, 더 합리적인 경우에는 주택을 떠나는 방법에 대해 설명해 주어야 합니다.

    주택상담사는 사람들의 부동산이 압류되지 않도록 도와준 경험이 풍부합니다. 채무자의 선택안에 대해 이해하고 지원을 신청하기 위한 복잡한 절차에 대해 도움을 줄 수 있습니다. 모기지 서비스 기관은 납부금이 120일이 넘게 연체되어야 처음으로 부동산 압류 통지서를 보내거나 압류 신청을 할 수 있습니다. 추가로, 모기지 지원 신청서를 일찍 제출한다면, 이에 대한 검토를 하는 동안 또는 변경된 대출 조건을 준수하는 동안은 압류 절차를 개시할 수 없습니다. 그러니 지체하지 말고 지금 신청하시기 바랍니다. 신청서를 더 빨리 접수할수록 더 많은 보호를 받을 수 있습니다.

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    부동산 압류 사기를 의심해야 하는 경우

    부동산 압류 사기꾼들은 주택을 압류 당하지 않게 도와주겠다고 하면서 실제로는 사람들의 돈만 가져갑니다.

    다음과 같은 사기 경고 신호를 주의하시기 바랍니다.

    • 도움을 받기 위해서는 선불로 돈을 지불하라고 요구합니다.
    • 해당 업체가 모기지 조건을 변경해 주겠다고 보장합니다.
    • 해당 업체가 주택을 잃지 않게 해주겠다고 보장합니다.
    • 주택 소유권을 양도하게 하거나 이해하지 못하는 다른 서류에 서명하라고 요구합니다.
    • 모기지 회사 또는 모기지 서비스 기관이 아닌 곳으로 납부금을 보내라고 지시합니다.
    • “포렌식 감사”를 제안합니다.
    • 모기지 납부금을 내지 말라고 합니다.
    • 해당 업체가 정부와 연계되어 있다고 하며 정부의 날인과 비슷하지만 살짝 다르게 생긴 로고를 사용합니다.
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    금융상품 또는 서비스에 대한 민원 접수

    금융상품과 서비스에 대해 매주 만 건 이상의 민원을 관련 업체로 보내 응답을 받고 있습니다. 다른 부처에서 보다 더 잘 지원할 수 있는 경우, 민원을 이송하고 해당 사실을 안내드립니다. 답변은 일반적으로 15일 내에 받을 수 있습니다.

    • 온라인 (영어)
    • 또는 (855) 411-2372 로 전화하여 한국어 및 180개 이상의 언어로 도움을 받을 수 있습니다. 전화는 보통 1분 내로 받습니다. 접수된 민원은 영어로 번역되어 답변을 받기 위해 해당 업체로 발송됩니다. 해당 업체에서는 보통 영어로 답변을 하지만 이 전화번호로 연락하여 번역된 답변을 들을 수 있습니다.
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    Mortgages key terms (in Korean)
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    모기지 핵심 용어

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    5/1 조정이율 담보대출 (5/1 Adjustable Rate Mortgage)

    5/1 조정이율 담보대출(ARM) 또는 5년 ARM은 첫 “5”년 동안 귀하의 초기 이자율이 고정된 담보대출을 말합니다. “1”은 초기 5년 기간 이후 이자율이 얼마나 자주 바뀌는지를 대표합니다. 가장 흔한 고정 기간은 3, 5, 7, 10년이며 “1”은 제일 흔한 조정 기간입니다. ARM을 고려하고 있는 경우 주의 깊게 계약서를 읽어보고 질문을 하는 것이 중요합니다.

    변동이율이 어떻게 변하는지 자세히 알아보십시오. 



    상환 능력 규칙 (Ability-to-repay rule)

    상환 능력 규칙은 대부분의 담보 대출 기관이 귀하가 대출금을 상환할 수 있는지에 대한 합리적이고 선의의 판단입니다.

    (영어로) 추가 정보 읽기 



    조정이율담보대출 (ARM) (Adjustable Rate Mortgage (ARM))

    조정이율 담보대출(ARM)은 일반적으로 금리 지수와 관련하여 금리가 변경될 수 있는 대출 유형입니다. 대출 도입 기간, 이자율 상한선 및 지수 이자율에 따라 월별 지불액이 올라가거나 내려갑니다. ARM을 사용하면 초기 이자율과 월 지불액이 고정 금리 담보대출보다 낮을 수 있지만, 이자율과 월 지불액이 모두 상당히 증가할 수 있습니다.

    ARM 작용법과 고려사항 에 대해 자세히 알아보십시오. 



    상각 (Amortization)

    상각은 시간이 지남에 따라 정기적인 지불로 대출을 갚는 것을 의미하므로 지불할 때마다 빚진 금액이 줄어듭니다. 대부분의 주택 융자는 할부 상환되지만 일부 모기지 융자는 전액 상각되지 않으므로 지급액을 모두 지불하고도 빚이 남아 있습니다.

    일부 주택 융자는 지불해야 할 이자 금액 또는 지불해야 할 이자보다 적은 금액만 지불할 수 있도록 허용합니다. 지불금이 매달 지불해야 할 이자보다 적을 경우 모기지 잔액은 줄어들지 않고 늘어날 것입니다. 이를 역상각이라고 합니다. 대출 기간 동안 완전히 상각되지 않는 다른 대출 프로그램은 대출 기간이 끝날 때 일시불의 “최종회 잔액의 일괄 지불”을 요구할 수 있습니다. 어떤 유형의 대출을 선택하는지 꼭 확인하십시오.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    융자 금액 (Amount financed)

    대출 기관으로부터 빌리는 돈의 금액에서 대출 기관이 부과하는 선불 수수료의 대부분을 뺀 금액을 말합니다.

    (영어로) 추가 정보 읽기 



    연소득 (Annual income)

    연소득은 모기지 대출 신청의 한 요소이며 일반적으로 1년 동안 벌어들인 총 세전 소득을 말합니다. 연소득은 전임 또는 파트타임 근로, 자영업, 팁, 커미션, 초과 근무, 보너스 또는 기타 출처의 소득이 포함할 수 있습니다. 대출자는 귀하의 연소득 및 기존 월 부채에 대한 정보를 사용하여 귀하가 대출금을 상환할 능력이 있는지 판단합니다.

    대출자가 귀하의 대출을 고려할 때 특정 수입원이나 금액에 의존할지 여부는 계속해서 소득이 합리적으로 지속될지 여부에 따라 종종 달라집니다.

    귀하의 상환 능력이 왜 대출자에게 중요한지 자세히 알아보십시오. 



    연이율 (APR) (Annual Percentage Rate (APR))

    연이율(APR)은 이자율보다 돈을 빌리는 비용의 더 넓은 척도입니다. APR에는 이자율, 포인트, 모기지 중개 수수료 및 대출을 받기 위해 지불하는 기타 비용이 반영됩니다. 이러한 이유로 APR은 일반적으로 이자율보다 높습니다.

    APR 비교 방법을 배우십시오 



    감정 수수료 (Appraisal fee)

    감정 수수료는 구입하려는 주택 또는 이미 소유하고 있는 주택의 주택 감정 비용입니다. 주택 감정은 부동산 가치에 대한 독립적인 평가를 제공합니다. 대부분의 경우 감정인 선택 및 관련 비용은 대출자에게 달려 있습니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    자동 납부 (Automatic payment)

    자동 납부를 사용하면 은행을 통해 반복 모기지 납부를 설정할 수 있습니다. 자동 납부는 납부금이 적시에 지불되도록 확실히 하는데 편리한 방법입니다. 



    벌룬론 (Balloon loan)

    모기지의 경우 벌룬론은 일반적으로 대출 기간 만기 때 일반 대출금보다 더 큰 일회성 납부금이 있을 경우를 뜻합니다. 이 일회성 납부금은 “만기 일시상환”이라고 하며 다른 납부금보다 높으며, 때로는 훨씬 더 높습니다. 만기 일시상환금을 지불할 수 없는 경우 차환하거나 집을 팔거나 압류를 직면할 수도 있습니다.

    벌룬론이 왜 위험할 수 있는지 알아보십시오. 



    격주 납부 (Bi-weekly payment)

    격주 납부 제도에서 모기지 관리 회사는 2주마다 귀하의 월 납부금의 절반을 징수하여 1년 동안 총 26번의 납부금을 지불하게 됩니다(총 1년에 추가 월 납부 1회). 추가 금액을 납부하고 납부금을 원금에 적용함으로써 대출금을 조기에 상환할 수 있습니다. 격주 납부를 선택하기 전에 대출 조건을 검토하여 그렇게 할 경우 선불 벌금이 부과되는지 확인하십시오. 귀하의 관리 회사가 격주 납부 제도에 대해 수수료를 부과하는지 확인하십시오. 매년 추가로 월간 모기지 납부금을 지불함으로써 수수료 없이 똑같은 목표를 달성할 수도 있습니다. 



    클로징 공개서 (Closing Disclosure)

    클로징 공개서는 선택한 모기지 대출에 대한 최종 세부 정보를 제공하는 5장의 필수 양식입니다. 여기에는 대출 조건, 예상 월 상환금, 모기지를 받기 위해 지불할 수수료 및 기타 비용이 포함됩니다.

    귀하의 클로징 공개서에 대출에 대한 모든 세부 정보가 정확한지 재확인하는 방법을 배우십시오.



    건설 대출 (Construction loan)

    건설 대출은 일반적으로 집을 짓거나 복구하는 비용을 충당하기 위한 자금을 제공하는 단기 대출입니다.

    (영어로) 추가 정보 읽기 



    통상 대출 (Conventional loan)

    통상 대출은 정부(예: 연방 주택 관리국, 보훈부 또는 농업부 대출 프로그램)가 보장하거나 보증하지 않는 모기지 대출입니다.

    통상 대출 및 기타 대출 유형 에 대해 자세히 알아보십시오. 



    공동 서명자 또는 공동 차입자 (Co-signer or co-borrower)

    공동 서명자 또는 공동 차입자는 귀하와 함께 모기지 대출을 상환하기 위해 전적인 책임을 지는 데 동의하는 사람입니다. 이 사람은 미납된 금액을 지불해야 하며 귀하가 지불하지 않을 경우 대출금 전액을 지불해야 합니다. 일부 모기지 프로그램에서는 공동 서명자를 소유권이 없고 모기지 주택에 대한 소유 지분이 없는 사람으로 구별합니다. 모기지 대출에 대한 공동 서명자 또는 공동 차입자가 있으면 대출 기관은 대출금이 상환될 것이라는 추가적인 확신을 갖게 됩니다. 그러나 대출금을 상환하지 않으면 공동 서명인 또는 공동 차입자의 신용 기록과 재정이 위험에 처하게 됩니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    신용 기록 (Credit history)

    신용 기록은 귀하의 신용 보고서에 표시된 대로 귀하의 신용 계정 및 적시 납부에 대한 기록입니다. 신용 평가 회사라고도 하는 소비자 신고 회사는 귀하의 신용 기록에 대한 정보를 수집 및 업데이트하며 이를 귀하에 대한 결정을 내리는 다른 사업체에게 제공합니다. 신용 보고서에는 대출 납부 내역 및 신용 계정 상태와 같은 신용 활동 및 현재 신용 상황에 대한 정보가 담겨 있습니다.

    주택 매입 전 귀하의 신용 기록을 확인하는 것에 대해 자세히 알아보십시오. 



    신용 보고서 (Credit report)

    신용 보고서는 본인의 신용 활동과 대출 납부 내역 및 신용 계정의 현황과 같은 현재 신용 상황에 대한 정보를 담은 내역서입니다. 대출자들은 귀하의 신용 점수와 신용 보고서에 있는 정보를 사용하여 귀하가 대출에 적격한지와 얼마의 이자율을 제의할지 판단합니다.

    신용 보고서 사본 을 받는 방법을 알아보십시오. 



    신용 점수 (Credit score)

    신용 점수는 본인이 대출을 갚을 확률이 얼마인지 예측합니다. 회사들은 채점 모델이라고 하는 수학 공식을 사용하여 신용 보고서의 정보로부터 신용 점수를 생성합니다. 다른 채점 모델이 존재하므로 신용 점수는 하나만 있지 않습니다. 본인의 점수는 본인의 신용기록, 대출 상품이 유형, 심지어는 계산 일에 따라 다릅니다.

    신용 점수를 확인하는 곳 을 알아보십시오. 



    총부채 상환 비율 (Debt ratio)

    총부채 상환 비율은 본인의 월간 부채 상환금을 총 월소득으로 나눈 것입니다. 본 수치는 대출업체가 본인이 빌릴 돈의 상환을 위한 월간 납부금 관리 능력을 측정하는 한 가지 방법입니다.

    총부채 상환 비율 계산 법을 배우십시오. 



    유질처분과 관련한 양도증서 (Deed-in-lieu of foreclosure)

    유질처분과 관련한 양도증서는 압류 절차를 피하기 위해 본인이 자발적으로 주택 소유권을 대출자에게 양도하는 것을 말합니다. 유질처분과 관련한 양도증서는 모기지에 남은 잔액에 대한 개인적 책임을 피하는 것을 도울 수 있습니다. 재산 가치와 모기지 대출에 남아 있는 금액 간의 차액인 부족분에 대한 본인이 책임을 지는 주에 거주하는 경우, 대출업체에 부족분을 면제해 달라고 요청하는 것이 좋습니다. 대출업체가 부족분을 면제해주는 경우, 면제서를 서면으로 받아 기록용으로 보관하십시오. 유질처분과 관련한 양도증서는 손실 경감 의 한 유형입니다. 



    연체 (Delinquent)

    연체는 납부금 체납의 다른 용어입니다. 납부금을 내지 않았거나 기일까지 납부금 전액을 내지 않은 경우 본인의 대출이 연체될 수 있습니다. 특정한 기간 동안 연체되는 경우, 대출업제 또는 관리 회사는 압류 절차를 개시할 수 있습니다. 기간은 주마다 다를 수 있습니다.

    부동산 압류 개시 시점에 연방 규정이 적용될 수 있습니다. 모기지를 낼 수 없는 경우의 선택권에 대해 자세히 알아보십시오.

    코로나바이러스 영향을 받으신 경우

    모기지 경감에 대한 정보 알아보기. 



    요구 기능 (Demand feature)

    클로징 공개서에 “귀하의 대출에는 요구 기능이 있습니다”라고 기재되어 있으며, 이에 “예” 또는 “아니오”라고 체크 표시된 내용이 있습니다. 요구 기능은 대출업체가 귀하에게 조기 납부를 요구하는 것을 허용합니다.

    (영어로) 추가 정보 읽기 



    계약금 (Down payment)

    계약금은 주택에 대해 선불로 내는 금액입니다. 주택 가치의 몇 퍼센트를 계약금으로 내고 모기지 대출을 통해 나머지를 빌립니다. 일반적으로 계약금을 더 많이 낼수록 더 낮은 이자율을 받게 되며 대출이 승인될 확률도 더 높습니다.

    계약금을 정하는 것에 대해 자세히 알아보십시오. 



    계약금 프로그램 또는 보조금 (Down payment programs or grants)

    계약금 보조금 또는 프로그램은 일반적으로 정부 또는 비영리 기관과 같은 조직에서 주택 구입을 위한 계약금을 지원하기 위해 주택 구매자에게 제공하는 지원금을 말합니다. 자금은 완전한 보조금으로 제공되거나 주택이 매각되는 경우 등과 같은 상황에서 상환을 요구할 수 있습니다.

    계약금 프로그램 및 보조금에 대한 정보를 어디서 구할 수 있는지 알아보십시오. 



    약조금 (Earnest money)

    약조금은 구매자가 주택 구매를 위해 서명한 계약에 대하여 선의를 보여주기 위해 지불하는 보증금입니다. 이 보증금은 판매자나 부동산 중개인 또는 소유권 회사와 같은 제3자가 보유합니다. 주택 매매가 확정되거나 “종료”되면 계약금은 클로징 비용이나 계약금에 적용될 수 있습니다. 허용 가능한 사유로 계약이 해지되면 계약금은 매도인에게 반환됩니다. 구매자가 선의로 이행하지 않으면 약조금은 몰수되어 판매자에게 지급될 수 있습니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    >지분 (Equity)

    지분은 귀하의 부동산의 현 가치에서 부동산에 존재하는 모기지의 금액을 뺀 금액입니다.

    주택 지분 대출이 무엇인지 알아보십시오. 



    에스크로 (Escrow)

    에스크로 계좌는 재산세 및 주택 소유자 보험과 같은 특정 부동산 관련 비용을 지불하기 위해 모기지 대출 기관에서 설정합니다. 본인의 월간 납부금의 일부가 해당 계좌로 들어갑니다. 모기지에 에스크로 계정이 없는 경우 본인이 부동산 관련 비용을 직접 지불합니다.

    에스크로가 본인의 모기지 납부금에 미치는 영향 에 대해 자세히 알아보십시오. 



    Fannie Mae

    연방 전국 모기지 협회 (Fannie Mae) 는 저렴한 대출을 보장하기 위해 대출 기관으로부터 모기지를 구매하고 보증합니다. Fannie Mae 는 연방 정부 기관이 아닙니다. 연방주택금융청(FHFA) 산하 정부 지원 기업입니다.

    통상 대출에 대해 자세히 알아보십시오. 



    FHA 자금 제공 수수료 (FHA funding fee)

    연방주택관리청(FHA)는 대부분의 단일 가족 프로그램에 대해 FHA 기금 수수료와 월 보험료(MIP)를 요구합니다. 이 선불 모기지 보험료는 선불 모기지 보험료(UFMIP)라고도 합니다.

    FHA 모기지가 본인에게 알맞은지 알아보십시오. 



    FHA 모기지 한도 A loan)

    FHA 대출은 연방주택관리청(FHA)이 규제하고 보장하는 민간 대출 기관이 제공하는 대출입니다. FHA 대출은 낮은 신용 점수와 총 대출 금액의 3.5%까지 낮은 계약금을 허용한다는 점에서 통상 대출과 다릅니다. 최대 대출 금액은 카운티마다 다릅니다.

    이와 기타 모기지 대출 옵션에 대해 알아보십시오. 



    FHA 모기지 한도 (FHA mortgage limits)

    FHA 모기지 한도는 FHA가 단독 주택 모기지 프로그램의 일부로 보장하는 적격 모기지에 대한 달러 금액 한도입니다. 이러한 한도는 장소에 따라 결정되며 매년 개정될 수 있습니다.

    귀하의 카운티 수준 대출 한도를 검색하기 위해 FHA 도구를 사용하십시오 . 



    금융 수수료 (Finance charge)

    금융 수수료는 모기지 대출의 전체 기간 동안 지불해야 하는 이자 및 대출 비용의 총액입니다.

    (영어로) 추가 정보 읽기 



    첫 주택구입자(FTHB) 대출 프로그램 (First-time home buyers (FTHB) loan programs)

    첫 주택구입자(FTHB)는 첫 주택 구매를 위해 여러 유형의 대출을 사용할 수 있습니다. 대중적인 FTHB 대출은 FHA, VA, USDA, Fannie Mae 및 계약금이 낮은 Freddie Mac이 제공하는 프로그램들을 포함합니다. 일부 프로그램은 FTHB를 3년 이상 주택을 구매하지 않은 사람으로 정의합니다.

    본인의 대출 옵션을 알아보십시오. 



    고정 금리 모기지 (Fixed-rate mortgage)

    고정금리 모기지는 대출을 받을 때 정해진 이자율이 대출 기간 동안 변경되지 않는 일종의 주택 융자입니다.

    고정금리 모기지 작용법 과 고려사항에 대해 자세히 알아보십시오. 



    관용 (Forbearance)

    관용은 서비스 제공자가 일시적으로 더 낮은 이자율로 모기지 지불을 허용하거나 일시적으로 모기지 지불을 중단하도록 허용하는 것입니다. 예를 들어, 최근 실직했거나 재해를 겪었거나 질병이나 부상으로 인해 의료 비용이 증가한 경우 관리 회사는 관용을 부여할 수 있습니다. 관용은 손실 경감 의 일종입니다.

    모기지 관용에 대해 자세히 알아보십시오

    가지고 있는 대출의 종류에 따라 관용 옵션이 다를 수 있습니다. 관용을 요청하려면 대출 관리 회사에게 연락해야 합니다. 관용 기간이 끝나면 미지급되거나 감액된 납부금을 보충해야 한다는 것을 기억하십시오.

    코로나바이러스의 영향을 받으신 경우

    모기지 경감에 대한 정보 알아보기. 



    강제 부과 보험 (Force-placed insurance)

    귀하께서 보험 증권이 없거나 보험 증권이 관리 히사의 요구 사항을 충족하지 않는 경우 관리 회사는 강제 부과 보험을 요구할 수 있습니다. 강제 부과 보험은 일반적으로 귀하가 아닌 대출업체만 보호합니다. 관리 회사는 귀하에게 보험료를 청구할 것입니다. 강제 부과 보험은 일반적으로 본인이 보험 상품을 직접 찾는 것보다 더 비쌉니다. 



    부동산 압류 (Foreclosure)

    부동산 압류는 주택 소유자가 모기지 납부금을 지불하지 못하는 경우 대출업체나 관리 회사가 부동산을 회수하는 것입니다. 일부 주에서는 부동산 압류를 위해 대출업체가 법원에 출두해야 하지만(사법 압류) 다른 주에서는 법원 절차가 필요하지 않습니다(비사법 압류). 일반적으로 대출업체나 관리 회사가 압류 절차를 개시하면 채무자에게 통지해야 합니다. 부동산 압류 개시 시점에 연방 규칙이 적용될 수 있습니다.

    부동산 압류가 우려되시는 경우, 도움을 받을 수 있는 법에 대해 알아보십시오.

    코로나바이러스의 영향을 받으신 경우

    모기지 경감에 대한 정보 알아보기. 



    Freddie Mac

    연방 주택 대출 모기지 회사(Freddie Mac) 는 의회가 설립한 민간 기업입니다. 본 조직의 임무는 은행 및 기타 대출 기관으로부터 모기지를 구매하여 주택 시장의 안정성과 경제성을 촉진하는 것입니다. 이 회사는 현재 연방주택금융청(FHFA)의 지시에 따라 관리 제도 하에 있습니다.

    통상 대출에 대해 자세히 알아보십시오. 



    선의의 견적서 (Good Faith Estimate)

    선의의 견적서(GFE)는 귀하가 역모기지를 신청할 때 대출 업체가 귀하에게 제공해야 하는 양식입니다. GFE에는 역모기지 대출 제안 조건에 대한 기본 정보가 나열되어 있습니다.

    본인이 언제 선의의 견적서 를 받게 되는지 알아보십시오. 



    정부 기록 수수료 (Government recording charges)

    정부 기록 수수료는 주택 융자와 관련된 증서, 모기지 및 문서를 합법적으로 기록하기 위해 주 및 지방 정부 기관에서 부과하는 수수료입니다.

    (영어로) 추가 정보 읽기 



    고가 모기지 대출 (Higher-priced mortgage loan)

    일반적으로 고가 모기지 대출은 연이율 또는 APR이 평균 우대 제공 금리라고 불리는 벤치마크 금리보다 높은 대출입니다. (영어로) 추가 정보 읽기 



    HOA 회비 (HOA dues)

    콘도, 공동 주택 또는 계획된 단지 또는 공용 서비스가 있는 기타 조직화된 지역사회의 주택 구입에 관심이 있는 경우 일반적으로 콘도 요금 또는 주택 소유자 협회(HOA) 회비를 지불해야 합니다. 본 요금은 매우 다양합니다. 콘도 또는 HOA 회비는 일반적으로 월간 모기지 납부금과 별도로 지불됩니다. 이러한 요금을 지불하지 않으면 주택 소유자 협회의 채권 추심업과 심지어 압류에 직면할 수 있습니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    주택 감정서 (Home appraisal)

    감정서는 부동산의 가치가 얼마인지에 대한 의견을 보여주는 서면 문서입니다. 감정서는 해당 부동산에 대한 유용한 정보를 제공합니다. 부동산의 가치를 설명하고 이웃에 있는 다른 부동산과 비교하는 방법을 보여줄 수 있습니다. 감정서는 부동산의 가치에 대한 독립적인 평가입니다.

    감정서가 중요한 이유 에 대해 자세히 알아보십시오. 



    주택 지분 한도 대출 (HELOC) (Home equity line of credit (HELOC))

    주택 지분 한도 대출(HELOC)은 본인의 주택 지분에 대해 대출을 허용하는 한도 대출입니다. 지분은 귀하의 부동산의 현 가치에서 부동산의 모기지 금액을 뺀 금액입니다. 주택 지분 대출과 다르게 HELOC은 이자율이 변동 이자율입니다. 대부분의 HELOC의 경우, 특수 수표 또는 신용 카드를 받게 될 것이며 계정 개설 후 특정한 기간 동안 돈을 빌릴 수 있습니다. 이 기간은 “인출 기간”으로 알려져 있습니다. “인출 기간” 동안 돈을 빌릴 수 있으며 최소 지불액을 납부해야 합니다. “인출 기간” 종료 후, 더 이상 한도 대출에서 돈을 빌릴 수 없습니다. “인출 기간” 종료 후, 잔금을 일시금으로 지불해야 하거나 특정 기간 동안 상환이 허용될 수 있습니다. HELOC 을 상환할 수 없는 경우, 대출업체는 본인의 주택을 압류할 수 있습니다. 



    주택 지분 대출 (Home equity loan)

    주택 지분 대출 (HEL이라고 불림) 을 통해 귀하의 주택 지분을 담보로 돈을 빌릴 수 있습니다. 지분은 귀하의 부동산의 현 가치에서 부동산에 존재하는 모기지의 금액을 뺀 금액입니다. 주택 지분 대출금은 일시불로 받게 됩니다. 주택 지분 대출은 대개 바뀌지 않는 고정 금리입니다. HEL을 상환할 수 없는 경우, 대출업체는 본인의 주택을 압류할 수 있습니다. 



    주택 상태 점검 (Home inspection)

    주택 상태 점검은 종종 주택 구매 과정의 일부입니다. 일반적으로 본인은 주택 검사관을 고용하여 부동산을 검사하고 강점과 약점을 지적받을 권리가 있습니다. 이는 종종 난방, 환기, 에어컨 및 전기를 포함한 가정의 구조 및 기계 시스템을 검사하는 데 특히 유용합니다.

    점검을 예약하는 방법을 알아보십시오. 



    주택 소유자 협회 (HOA) (Homeowners’ Association (HOA))

    주택 소유자 협회(HOA)는 일반적으로 계획된 단지 또는 기타 조직화된 지역사회의 조경 및 기타 유지 관리비와 같은 공유 비용을 관리하기 위해 형성된 것입니다. 콘도미니엄 HOA는 예를 들어 진입로, 공유 구조물 및 지붕 유지 관리를 포함하여 더 많은 책임을 집니다.

    본인의 모기지 내역서에 HOA가 어떻게 표시될지에 대해 자세히 알아보십시오. 



    주택 소유자 보험 (Homeowner's insurance)

    주택 소유자 보험은 화재나 절도와 같이 예상치 못한 일이 발생하는 경우 재산 손실과 손해를 배상합니다. 모기지가 있는 경우, 귀하의 대출 업체는 재산이 보험에 의해 보호되고 있는지 확인하려고 할 것입니다. 그러므로 대출 업체들은 일반적으로 주택 소유자 보험의 유무에 대해 증거를 요구합니다. 주택 소유자 보험은 모기지 보험 과 다릅니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    주택 구매 가격 (Home purchase price)

    주택 구입 가격은 집을 구입하기 위해 판매자에게 지불하기로 한 구매자와 판매자가 합의한 금액입니다.

    알맞은 주택을 찾는 것에 대해 자세히 알아보십시오. 



    HUD

    주택 도시 개발부(HUD)는 국민들이 양질의 주택을 확보하고 유지하도록 돕는 정부 기관입니다. 해당 기관은 전국에 걸쳐 주택 상담사를 교육하고 지원합니다. HUD 승인 주택 상담 기관은 주택 구매 상담을 제공하고 귀하의 선택권을 이해하고 평가하는 것을 도울 수 있습니다.

    HUD 승인 주택 상담 기관을 찾으십시오. 



    HUD-1 매매 종결 내역서 (HUD-1 settlement statement)

    HUD-1 매매 종결 내역서에는 부동산 합의에서 구매자와 판매자에 대한 모든 비용과 크레딧 또는 모기지 차환에 대한 모든 비용이 나열되어 있습니다. 역 모기지를 신청하거나 2015년 10월 3일 또는 그 이전에 모기지를 신청한 경우 HUD-1을 받습니다.

    언제 HUD-1 을 받게 될지 알아보십시오. 



    지수 (Index)

    지수는 일반적인 시장 상황을 반영하는 기준 금리입니다. 지수는 시장에 따라 변합니다. 대출 마진과 함께 지수의 변동은 변동 금리 모기지 대출의 이자율 변동을 결정합니다.

    변동 금리 모기지 대출에서 지수가 이자율에 어떤 영향 을 미치는지 알아보십시오. 



    초기 변동 상한 (Initial adjustment cap)

    초기 변동 상한은 일반적으로 변동 금리 모기지(ARM)와 관련이 있습니다. 본 상한선은 고정 금리 기간이 만료된 후 첫 변동이 일어날 때 금리가 얼마나 증가할 수 있는지를 결정합니다. 본 상한선은 일반적으로 2% 또는 5%로 즉 첫 금리 변경 시 새로운 금리는 고정 금리 기간 동안 초기 금리보다 2(또는 5)% 포인트를 초과할 수 없음을 의미합니다.

    변동 금리 모기지 대출에 지수가 어떤 영향을 미치는지 알아보십시오. 



    최초 에스크로 예치금 (Initial escrow deposit)

    최초 에스크로 예치금은 대출 업체에서 요구하는 경우 에스크로 계정을 시작하기 위해 클로징 시 지불하는 금액입니다.

    (영어로) 추가 정보 읽기 



    거치식 일시 상환 대출 (Interest-only loan)

    거치식 일시 상환 모기지는 지정된 기간 동안 이자만 지불하면 되는 예정 상환 대출입니다.

    (영어로) 추가 정보 읽기 



    이자율 (Interest rate)

    모기지 대출의 이자율은 돈을 빌리기 위해 매년 지불하는 비용을 퍼센트로 표현한 것입니다. 이는 대출에 대해 지불해야 하는 수수료 또는 이외 부과금을 반영하지 않습니다. 예를 들어, 모기지 대출이 $10만이며 이자율이 4%인 경우, 소비자는 전액을 빌리거나 빚진 매년에 대해 $4천을 내는 것에 동의한 것입니다.

    귀하의 지역에 이자율을 탐색해 보십시오. 



    금리 상한 (Interest rate cap)

    연간 상한선이라고도 하는 금리 상한은 심지어 시장 금리보다 더 오를지라도 변동 금리 모기지(ARM)에 대해 매년 발생할 수 있는 최고 금리 인상입니다. 예를 들어 본 상한이 2%인 경우 새 이율은 이전 이율보다 2% 포인트를 초과하여 인상될 수 없습니다.

    대출 업체들이 어떻게 지수와 마진을 사용하여 귀하의 금리를 조정하는지 알아보십시오. 



    한도초과 대출 (Jumbo loan)

    매년 Fannie Mae, Freddie Mac 및 해당 규제당국인 연방주택금융청(FHFA)은 대출 업체로부터 구매할 대출에 대해 최대 금액을 설정합니다.

    (영어로) 추가 정보 읽기 



    대출 업체의 소유권 보증보험 (Lenders title insurance)

    대출 업체의 소유권 보증보험은 해당 주택에 대한 법적 청구권을 가진 이들과 같이 부동산의 소유권 문제와 관련하여 대출 업체를 보호합니다. 대출 업체의 소유권 보증보험은 오직 소유권 문제와 관련하여 대출 업체를 보호합니다. 자신을 보호하려는 경우, 소유자 소유권 보험에 가입할 수 있습니다.

    (영어로) 추가 정보 읽기 



    생애 변동 상한 (Lifetime adjustment cap)

    생애 변동 상한은 일반적으로 변동 금리 모기지(ARM)와 함께 사용됩니다. 본 상한은 대출 기간 동안 금리가 얼마나 증가할 수 있는지를 결정합니다. 예를 들어, 해당 상한이 5%인 경우 이율이 초기 이율보다 5% 포인트 이상을 초과할 수 없음을 의미합니다. 일부 대출 업체는 상한선이 다르거나 더 높을 수 있습니다.

    변동 금리 모기지에 지수가 어떤 영향을 미치는지 알아보십시오. 



    대출 인수 (Loan assumption)

    대출 인수는 구매자가 판매자의 주택을 구매하면서 판매자의 모기지를 인수하는 경우 발생합니다. 구매자는 판매자의 모기지에 남아 있는 채무 잔액을 원래의 대출 조건에 따라 인수하게 됩니다. 즉, 이자율 및 남은 대출 기간 등이 동일하게 유지됩니다. 대출 인수는 판매자가 처음 모기지를 받았을 때와 비교하여 현재 신규 모기지의 이자율이 더 높은 경우 재정적으로 합리적인 선택일 수 있습니다.

    주택 판매 가격과 인수하게 될 대출 잔액의 차액은 구매자가 현금으로 지불하거나 자체적으로 모기지 대출을 받아 지불할 수 있습니다.

    모기지를 인수하기 위해서는 주택 구매자가 대출 인수를 위한 자격을 갖추어야 합니다. 자격을 얻기 위해서는 구매자의 신용과 소득을 검토하는 것이 일반적이며, 이는 신규 모기지 자격을 얻는 것과 유사합니다.

    대출 인수는 사망 또는 이혼과 같이 모기지가 있는 부동산에 대한 소유권을 받는 경우에도 적용될 수 있습니다.



    대출 유예 (Loan deferment)

    모기지 상환에 어려움을 겪고 있는 채무자는 일반적으로 모기지 서비스 회사에 도움을 요청할 권리가 있습니다. 서비스 회사는 대출 유예에 동의할 수 있으며, 이는 채무자가 연체된 모기지 상환금 납부를 연기함으로써 부동산 압류를 피할 수 있도록 해줍니다. 유예된 금액은 채무자가 대출을 재융자하거나 주택을 팔거나 또는 모기지를 기타 방식으로 종료할 때 지급해야 합니다.


    대출 견적서 (Loan estimate)

    대출 견적서는 모기지 신청 후 받게 되는 3장의 양식입니다.

    (영어로) 추가 정보 읽기 



    대출 조건 조정 (Loan modification)

    모기지 대출 조건 조정은 대출 조건의 변경입니다. 조건 조정은 손실 경감의 일종입니다. 조건 조정을 통해 월 납부금을 감당할 수 있는 금액으로 줄일 수 있습니다. 조건 조정은 대출 상환 기간 연장, 이자율 인하 및/또는 원금 잔액의 관용 또는 감액을 포함할 수 있습니다. 대출 조건 조정 제안을 받은 경우, 월 납부금과 단기 및 장기적으로 빚의 총액이 어떻게 변하는지 확실히 하십시오.

    모기지 대출 조건 조정에 대해 자세히 알아보십시오

    코로나바이러스의 영향을 받으신 경우

    모기지 경감에 대한 정보 자세히 알아보기. 



    자산가치 대비 융자 금액 비율 (Loan-to-value ratio)

    자산가치 대비 융자 금액 비율(LTV)은 모기지 금액과 부동산 감정 가치를 비교하는 척도입니다. 계약금을 많이 낼수록 LTV 비율은 낮아집니다. 모기지 대출 업체는 대출 여부를 결정하고 개인 모기지 보험이 필요한지 여부를 결정하는 데 LTV를 사용할 수 있습니다.

    자산가치 대비 융자 금액 비율이 어떻게 귀하의 비용과 관련이 있는지 알아보십시오. 



    마진 경감 (Loss mitigation)

    손실 경감이란 채무자가 부동산 압류를 피하기 위해 모기지 관리 회사와 채무자가 협력하여 취하는 단계를 말합니다. 손실 경감은 부동산 압류로 인해 발생할 수 있는 투자자의 손실을 줄이거나 “경감”해야 하는 관리 회사의 책임을 말합니다. 특정 손실 경감 옵션들은 주택을 유지하는 데 도움이 될 수 있습니다. 다른 옵션들은 부동산 압류를 거치지 않고 주택을 떠나는 데 도움이 될 수 있습니다. 손실 경감은 유질처분과 관련한 양도증서, 관용, 상환 제도, 공매도, 또는 대출 조건 조정 을 포함할 수 있습니다.

    모기지 납부금을 지불하는 데 어려움을 겪고 있거나 다양한 손실 경감 옵션을 제안받았고 고려하고 있는 경우 주택 및 도시 개발부(HUD) 승인 주택 상담 기관에 문의하십시오.

    CFPB의 “Find a Counselor”(상담사 찾기) 도구를 사용하여 귀하의 지역에 HUD 승인을 받은 주택 상담 기관 명단을 받을 수 있습니다. 또한 24시간 주7일 운영하는 HOPE™ 문의 전화 에 (888) 995-HOPE (4673)으로 전화하실 수 있습니다.

    코로나바이러스의 영향을 받으신 경우

    모기지 경감에 대한 정보 자세히 알아보기. 



    마진 (Margin)

    마진은 초기 이자율 기간이 종료된 후 변동 금리 모기지(ARM)에 대한 이자율을 설정하기 위해 모기지 대출 기관이 지수에 추가하는 백분율 포인트 수입니다. 마진은 대출 계약에 설정되어 있으며 마감 후에도 변경되지 않습니다. 마진 금액은 특정 대출 업 및 대출에 따라 다릅니다.

    변동 금리 모기지 대출에 마진이 어떤 영향을 미치는지 알아보십시오. 



    월간 지출액 (Monthly expenses)

    매달 지출하는 금액입니다. 여기에는 임대료 또는 모기지 납부금, 공과금, 자동차 할부금, 자녀 양육비 및 보험료와 같이 반복되는 의무금뿐만 아니라 음식과 같은 필수품이 포함될 수 있지만 이에 국한되지 않습니다. 대부분의 이러한 의무금은 기한이 정해져 있습니다.

    이 지출 추적기로 귀하의 월별 지출을 평가하십시오. 



    모기지 (Mortgage)

    모기지는 주택을 구매하거나 차환하기 위해 돈을 빌리는 것을 허용하고 빌린 돈을 갚지 못할 경우 대출 업체가 귀하의 부동산을 소유할 수 있는 권리를 부여하는 귀하와 대출 업체 간의 계약입니다.

    모기지를 받을 준비가 되셨다면, 주택 구매에 대해 알아보십시오. 



    모기지 클로징 점검표 (Mortgage closing checklist)

    모기지 클로징 점검표는 예상되는 사항을 준비하고 학습하는 데 사용할 수 있는 단계들이 적힌 목록입니다. 자신 있게 클로징을 진행할 수 있도록 미리 물어볼 주요 질문을 식별하는 데 도움이 될 수 있습니다.

    클로징 대비를 위해 본 작업표를 사용하십시오. 



    모기지 클로징 비용 (Mortgage closing costs)

    모기지 클로징 비용은 클로징 시 지불하게 될 모든 비용입니다. 이에는 개시 수수료, 감정 수수료, 신용 보고 비용, 소유권 보험 수수료 및 대출 기관이 요구하거나 부동산 모기지 거래의 일부로 지불하는 기타 수수료가 포함됩니다. 대출 업체는 대출 견적서에 이러한 비용의 요약을 제공하여야 합니다.

    클로징 때 무슨 일이 일어나는지 자세히 알아보십시오. 



    모기지 보험 (Mortgage insurance)

    모기지 보험은 지불이 연체될 경우 대출 업체를 보호합니다. 일반적으로 계약금이 부동산 가치의 20% 미만인 경우 모기지 보험이 의무화됩니다. 모기지 보험은 일반적으로 FHA 및 USDA 대출에도 필요합니다. 그러나 통상 대출이 있으며 계약금이 20% 미만인 경우에는 개인 모기지 보험(PMI)에 가입해야 할 확률이 높습니다.

    모기지 보험 작용법에 대해 알아보십시오 



    모기지 대출 조건 조정 (Mortgage loan modification)

    모기지 대출 조건 조정은 대출 조건의 변경입니다. 본 조건 조정은 손실 경감의 일종입니다.

    (영어로) 추가 정보 읽기 



    모기지 차환 (Mortgage refinance)

    모기지 차환은 기존 대출을 상환하고 대체하기 위해 새로운 대출을 받는 것입니다. 차환을 하는 일반적인 이유는 월 이자율을 낮추거나 모기지 납부금을 낮추거나 추가 자금을 빌리기 위함입니다. 차환 시 일반적으로 클로징 비용과 수수료를 지불해야 합니다. 차환 후 월 납부금이 낮아지는 경우 낮아진 금액의 얼마가 감소한 이자율에 인한 것인지, 얼마가 대출 기간이 길어져서 낮아진 것인지 이해해야 합니다.


    모기지 기간 (Mortgage term)

    모기지 대출 기간은 대출금을 상환해야 하는 기간입니다. 대부분의 주택 유형의 모기지 기간은 일반적으로 15년, 20년 또는 30년입니다.

    대출 기간 옵션을 탐색해 보십시오. 



    개시 업무 수수료 (Origination Fee)

    개시 업무 수수료는 대출 기관이 채무자에게 모기지 대출을 받는 데 부과하는 수수료입니다. 개시 업무 수수료에는 신청서 처리, 대출 인수 및 자금 조달, 기타 행정 서비스가 포함될 수 있습니다. 일반적으로 개시 업무 수수료는 특정 상황에서만 증액될 수 있습니다.

    모기지 개시 비용 에 대해 자세히 알아보십시오. 



    소유자 소유권 보증보험 (Owner's title insurance)

    소유자 소유권 보증보험은 누군가 소송을 제기하여 주택 소유자가 주택을 구매하기 전 주택에 대한 청구가 있다고 주장하는 경우 주택 소유자를 보호합니다.

    (영어로) 추가 정보 읽기 



    PACE 융자 (Pace financing)

    PACE 융자는 주택의 에너지 효율 개선을 위한 자금 조달 방법을 제공합니다.

    (영어로) 추가 정보 읽기 


    분 청구 (Partial claim)

    부분 청구는 어려움을 겪고 있는 주택 소유자가 부동산 압류를 피할 수 있도록 모기지 보험을 사용하는 방법입니다. 모기지 서비스 회사는 연체된 모기지 상환금을 모기지 보험에 청구하고, 보험사는 해당 금액을 별도의 계좌에 보관합니다. 그런 다음, 채무자가 모기지를 재융자하거나 주택을 팔거나 또는 모기지를 기타 방식으로 종료할 때, 부분 청구된 금액이 모기지 서비스 회사로 지급됩니다. 때로는 부분 청구 금액으로 연체된 상환금 전액을 충당하지 못하며, 이러한 경우에는 채무자가 차액을 지불해야 합니다.



    상환액 (Payoff amount)

    상환액은 모기지 대출 조건을 충족하고 부채를 완전히 갚기 위해 실제로 지불해야 하는 금액입니다. 상환액은 현재 잔액과 다릅니다. 현재 잔액은 대출금을 완전히 충족시키기 위해 실제로 지불해야 하는 금액을 반영하지 않을 수 있습니다. 상환액은 대출금 상환일까지 지불해야 하는 이자 금액도 포함합니다. 상환액은 발생하였지만 아직 지불하지 않은 기타 수수료도 포함할 수 있습니다. 



    PCS 명령 (PCS orders)

    현역 군인은 영구 주둔지 전출(PCS) 명령을 받을 수 있습니다. PCS 명령은 군인(및 그와 함께 사는 모든 가족)을 다른 임무 위치로 공식 이전하는 것입니다. 군인이 주택을 소유하고 있는 경우 주택 판매를 선택할 수도 있습니다. 군인이 주택의 가치보다 주택에 대한 빚이 더 높은 경우 집 판매에 어려움을 겪을 수 있습니다. 일부 관리 회사는 군인이 주택을 팔고 나머지 대출 잔액을 상환할 필요가 없도록 하는 프로그램을 제공합니다. 추가 정보는 군인 자원 을 방문하십시오. 



    PITI

    원금, 이자, 세금 및 보험은 PITI로도 알려져 있으며 월간 모기지 납부금의 기본 요소들입니다.

    (영어로) 추가 정보 읽기 



    PMI

    개인 모기지 보험(PMI)은 대출 업체에게 이득이 되는 모기지 보험을 일종입니다. 계약금이 부동산 가치의 20% 미만이고 통상 대출을 받은 경우 PMI를 지불해야 할 수도 있습니다. 주택에 일정 지분이 축적되면 PMI를 취소할 수 있을 수 있습니다.

    PMI가 언제 필요한지에 대해 자세히 알아보십시오 



    선급 이자 비용 (Prepaid interest charges)

    선급 이자 비용은 모기지 대출 클로징 날과 첫 번째 월간 모기지 상환 기간 사이에 발생하는 일간 이자에 대해 클로징 시 내야 하는 요금입니다.

    (영어로) 추가 정보 읽기



    선납 벌금 (Prepayment penalty)

    선납 벌금은 모기지의 전부 또는 일부를 조기에 상환할 경우 일부 대출 업체에서 부과하는 수수료입니다. 선납 벌금이 있는 경우, 주택에 대해 클로징 시 이에 동의하셨을 것입니다. 모든 모기지에 선납 벌금이 있는 것은 아닙니다. 



    원금 (Principal)

    원금은 갚아야 할 모기지 대출의 금액입니다. 귀하의 월 납부금에는 해당 원금의 일부가 포함됩니다. 원금 상환이 이루어지면 채무자는 더 적은 빚을 지며, 더 낮은 대출 규모에 따라 더 적은 이자를 지불하게 됩니다.

    이자율과 원금의 차이에 대해 자세히 알아보십시오. 



    부동산 재산세 (Property taxes)

    부동산 재산세는 과세되는 부동산의 가치를 기준으로 지방 관할 구역, 일반적으로 카운티 수준에서 부과되는 세금입니다. 종종 부동산 재산세는 주택 소유자의 월 모기지 납부금 내에서 징수된 다음 매년 한 번 이상 관련 관할 구역에 지불됩니다. 이것을 에스크로 계좌라고 합니다. 대출에 에스크로 계좌가 없으면 집주인이 재산세를 직접 지불해야 합니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    적격 모기지 (Qualified mortgage)

    적격 모기지는 대출을 더 잘 감당할 수 있도록 도움이 되는 확실하고 보다 안정적인 기능이 있는 대출의 카테고리입니다.

    (영어로) 추가 정보 읽기 



    적격 서면 요청서 (QWR) (Qualified Written Request (QWR))

    적격 서면 요청서 또는 QWR은 귀하 또는 귀하를 대신하는 사람이 귀하의 모기지 관리 회사에게 보낼 수 있는 서면 서신입니다. QWR 대신 서비스 제공자에게 오류 통지 또는 정보 요청서를 보낼 수도 있습니다.

    (영어로) 추가 정보 읽기 



    상환 제도 (Repayment plan)

    상환 제도는 일정 기간 동안 내지 못한 모기지 대출 납부금을 보충하기 위해 구조화된 방법입니다. 이는 손실 경감 의 일종입니다. 모기지 납부금을 지불하는 데 어려움을 겪고 계신 경우, 귀하의 대출 업체 또는 관리 회사는 상환 제도 를 허용할 수도 있습니다. 상환 제도를 시작하기 전에, 해당 제도의 요건과 새로운 납부금의 지불 여부를 이해하였는지 확실히 하십시오. 



    역모기지 (Reverse mortgage)

    역모기지는 62세 이상의 주택 소유자가 주택 자산을 담보로 대출을 받을 수 있도록 허용합니다. 대출 업체에 납부금을 지불하는 대신 대출 업체로부터 돈을 받기 때문에 “역”모기지라고 부릅니다. 귀하께서 받는 돈과 대출에 부과되는 이자는 매달 귀하의 대출 잔액을 증액시킵니다. 대부분 오늘날의 역모기지는 HECM이라고 부르며 이는 주택 지분 전환 모기지의 약자입니다.

    역모기지 신청 전 무엇을 고려 해야 하는지 알아보십시오. 



    해제권 (Right of rescission)

    해제권은 소비자가 특정 유형의 대출을 취소할 수 있는 권리를 말합니다. 모기지로 주택을 구입하는 경우, 클로징 문서에 서명한 후에는 대출을 취소할 수 있는 권리가 없습니다. 그러나 모기지를 차환하는 경우, 거래 후 세 번째 영업일 자정까지 모기지 계약을 철회(취소)할 수 있습니다. 본 3일 기간은 귀하께서 신용 계약(일반적으로 약속 어음이라 불림)을 서명하고 진실 대출 공시 양식을 받고, 철회 권리를 설명하는 통지 사본 2부를 받을 때까지는 시작되지 않습니다. 



    두번째 모기지 (Second mortgage)

    두번째 모기지 또는 후순위 유치권은 주택을 담보로 제공받은 대출이 있는 동안 집을 담보로 사용하여 또 다른 대출을 받는 것입니다.

    두번째 모기지에 대해 자세히 알아보십시오. 



    담보권 (Security interest)

    담보권은 귀하께서 빌린 돈을 갚지 않을 경우 대출업체가 부동산을 압류할 수 있게 합니다.

    (영어로) 추가 정보 읽기 



    판매자 융자 (Seller financing)

    판매자 융자는 주택 판매자가 귀하에게 제공하는 대출입니다.

    (영어로) 추가 정보 읽기 



    관리 회사 (Servicer)

    모기지 관리 회사는 모기지 명세서를 보내는 회사입니다. 관리 회사는 또한 대출 관리의 일상 업무도 다룹니다.

    귀하의 대출 관리 회사는 일반적으로 귀하의 대출 지불을 처리하고, 채무자 문의에 응답하고, 지급된 원금과 이자를 추적하며 귀하의 에스크로 계좌 (있는 경우)를 관리합니다. 대출 관리 회사는 특정 상황에서 부동산 압류를 개시할 수 있습니다. 귀하의 관리 회사는 귀하께 원 대출을 제공한 회사일 수도 있고 아닐 수도 있습니다. 



    자본 이득 공유 모기지 (Shared appreciation mortgage)

    자본 이득 공유 모기지에서 귀하는 주택 가치 상승분의 일부를 대출 업체에 제공하는 데 동의하게 됩니다.

    (영어로) 추가 정보 읽기 



    공매도 (Short sale)

    공매도는 모기지 대출에 빚진 금액보다 적은 금액으로 주택을 판매하는 것입니다. 공매도는 부동산 압류에 대한 대안이지만, 매도이기 때문에 집을 떠나야 합니다. 귀하의 대출 업체나 관리 회사가 공매도에 동의한다면, 주택 판매 가격이나 수익금이 모기지 잔액보다 적더라도 주택을 팔아 모기지를 갚을 수도 있습니다. 공매도는 손실 경감의 일종입니다. 재산 가치와 모기지 대출에 남아 있는 금액 간의 차액인 부족분에 대한 본인이 책임을 지는 주에 거주하는 경우, 대출업체에 부족분을 면제해 달라고 요청하는 것이 좋습니다. 대출업체가 부족분을 면제해주는 경우, 면제서를 서면으로 받아 기록용으로 보관하십시오. 



    서브프라임 모기지 (Subprime mortgage)

    대출 업체에서 이 용어를 사용할 때는 일반적으로 우대 대출 자격이 없는 채무자를 위한 대출 프로그램을 의미하며 종종 더 높은 이자율이 적용됩니다.

    주택 구매 과정에 대해 자세히 알아보십시오. 



    측량도 (Survey)

    측량은 부지, 주택 및 기타 구조물의 위치와 부동산 개선 사항을 보여주는 부동산 도면입니다.

    (영어로) 추가 정보 읽기 



    소유권 서비스 비용 (Title service fees)

    소유권 서비스 비용은 모기지를 받을 때 지불하는 클로징 비용의 일부입니다. 주택을 구입하면 종종 증서라고 불리는 문서를 받게 되며 이는 판매자가 주택의 법적 “소유권”을 귀하에게 이전했음을 보여줍니다. 소유권 서비스 비용은 대출 업체에게 소유권 보험 증권을 발행하는 것과 관련된 비용입니다.

    (영어로) 추가 정보 읽기 



    총 이자 비율 (TIP) (Total interest percentage (TIP))

    총 이자 비율(TIP)은 모기지 대출 기간 동안 얼마의 이자를 지불할지 알려주는 공시입니다.

    (영어로) 추가 정보 읽기 



    총 납부액 (Total of payments)

    본 숫자는 모기지 기간 동안 지불하게 될 총 금액을 알려줍니다.

    (영어로) 추가 정보 읽기 



    TRID

    “TRID” 는 일부 사람들이 TILA RESPA 통합 공시를 일컬을 때 쓰는 약자입니다(TILA RESPA Integrated Disclosure).

    (영어로) 추가 정보 읽기 



    USDA 대출 (USDA Loan)

    미국 농무부(USDA)의 일부인 농촌 주택 서비스는 USDA의 소득 자격 요건을 충족하는 농촌 주택 구매자에게 계약금 없이 일반적으로 좋은 이자율의 모기지 프로그램을 제공합니다.

    이와 기타 특별 대출 프로그램에 대해 자세히 알아보십시오. 



    VA 대출 (VA loan)

    VA 대출은 보훈부(VA)에서 제공하는 대출 프로그램으로 군인, 재향군인 및 유자격 생존 배우자의 주택 구입을 돕습니다. VA는 대출을 제공하지 않지만 누가 유자격일지와 모기지 조건에 대한 규칙을 정합니다. VA는 대출 업체의 손실 위험을 줄이기 위해 대출금의 일부를 보증합니다. 대출은 일반적으로 주 거주지에만 가능합니다.

    재향군인인 경우 VA 대출이 귀하에게 적합 한지 알아보십시오.

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    + + 메인 컨텐츠로 이동 + +
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    + An official website of the + United States government +
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    Shopping for a mortgage (in Korean)
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    모기지를 알아보는 방법

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    모기지를 알아보는 과정에는 많은 시간과 노력이 들어갑니다. 그러나 이를 통해 수천 달러를 절약할 수 있습니다. 적어도 서로 다른 대출업체 세 곳에서 대출 조건을 받아 비교해 보시기 바랍니다.

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    본 페이지 내용:

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    최소 세 곳에서 사전 승인을 받으세요.

    인터넷과 신문을 이용해 모기지 대출업체에 대해 알아볼 수 있습니다. 첫 주택 구매자, 재향군인, 공무원 등 본인의 상황에 맞는 은행, 신용 조합 및 단체로 연락해 보시기 바랍니다.

    적어도 서로 다른 대출업체 세 곳에 “사전 승인”을 요청하시기 바랍니다. 이는 대출업체에서 신용 보고서를 포함하여 재정 상태를 확인한 후 빌릴 수 있는 금액 및 이자율을 대략적으로 계산해 주는 것을 말합니다.

    사전 승인을 통해 각 대출업체에서 제공하는 대출의 종류와 가격을 알아볼 수 있습니다. 짧은 시간 안에 세 개의 사전 승인을 모두 받을 경우, 신용 점수에는 큰 영향을 미치지 않습니다.

    어느 정도 결정을 내린 후, 이 대출업체들에게 다시 대출 조건을 요청하시면 됩니다.

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    대출 기간, 대출 금리 구조 및 대출 프로그램에 대해 알아보세요.

    장기 대출 또는 단기 대출

    일반적으로 대출 기간이 길수록 대출 기간 동안 더 많은 비용을 내야 합니다. 그러나 보통 월 상환금은 더 적습니다. 대출업체와 협상을 통해 20년, 7년 심지어는 30년 이상과 같이 대출 기간을 다르게 설정할 수도 있습니다.

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    대부분의 주택 구매자는 매월 납부해야 하는 상환금이 적기 때문에 30년 대출을 선택합니다.

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    보통 월 상환금은 30년 대출보다 많지만 대출을 15년 만에 갚을 수 있기 때문에 총비용은 더 적게 들어갈 수 있습니다.

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    고정금리 또는 변동금리

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    고정금리 대출이 일반적입니다. 변동금리 대출을 이용하면 초기 상환금이 적을 수 있지만 이자율이 상승하면 상환금이 급격하게 많아질 수 있습니다.

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    대출 기간 동안 이자율과 월 상환금이 그대로 유지됩니다.

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    일반적으로 대출 기간 가운데 초기 몇 년 동안은 이자율이 고정되어 있습니다. 고정 기간이 종료되면 이자율은 "지수"를 기반으로 정기적으로 바뀝니다. 일반적으로 지수는 이자율의 척도이며 전반적인 경제 추세를 반영합니다. 이는 상환액이 증가하거나 감소할 수 있음을 의미합니다. 자세한 내용은 대출 기관에서 받는 대출 견적서에 포함되어 있습니다.

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    일반 융자, FHA 융자, VA 융자 또는 특별 융자 프로그램에 대해 알아보세요.

    다양한 대출 프로그램이 있으며 그 가운데 일부는 특정 상황 또는 단체에 속한 사람을 돕기 위한 모기지도 있습니다.

    계약금(Down Payment)으로 5% 이상을 내시나요?

    패니메이(Fannie Mae) 또는 프레디맥(Freddie Mac)에서 보증하는 “일반” 모기지에 대해 문의하시기 바랍니다.

    적은 금액의 계약금을 내시나요?

    FHA에서 보증하는 모기지에 대해 문의하시기 바랍니다.

    군인 또는 재향군인이신가요?

    VA에서 보장하는 모기지에 대해 문의하시기 바랍니다.

    농촌 지역에 있는 주택을 구매하시나요?

    USDA에서 지원하는 모기지에 대해 문의하시기 바랍니다.

    저소득층 또는 중산층에 속하며 첫 주택을 구입하시나요?

    해당되는 주의 주택금융청을 통해 이용할 수 있는 대출에 대해 문의하시기 바랍니다.

    대출 조건을 비교해 보세요.

    이제 정식으로 신청 절차를 시작할 때입니다. 이용하고자 하는 대출의 종류, 프로그램 및 기간에 대해 대출업체로 대출 조건을 문의하시기 바랍니다. 그런 후에 조건을 나란히 놓고 비교할 수 있습니다.

    우선 대출에 대한 기본 사항을 비교해야 합니다.

    • 대출 기간이 어떻게 되나요?
    • 이자율은 얼마인가요?
    • 대출을 위해 기준이 된 계약금은 얼마인가요?
    • 월 상환금은 얼마씩 나가나요?
    • 변동금리 모기지의 경우, 조정될 수 있는 월 상환금과 이자율에는 상한이 정해져 있나요? 시장 금리가 하락할 경우 대출 이자율도 내려가나요?

    다음으로는 비용에 영향을 미칠 수 있는 나머지 세부 사항을 비교해야 합니다.

    • 월 상환금을 통해 원금은 언제 모두 갚게 되나요?
    • 대출 기간 동안 월 상환금이 바뀌나요? 월 상환금은 최고 얼마까지 올라갈 수 있나요?
    • 상환금에는 부동산 재산세와 보험료도 포함되어 있나요? 포함되어 있지 않다면 별도로 낼 수 있는 여력이 있으신 가요?
    • 초기 상환금에는 어떤 비용과 수수료가 추가되나요? 이후 계속해서 납부하는 상환금에는 추가되는 것이 있나요?
    • 포인트(이자율을 낮추는 선불 수수료)를 내야 하나요?
    • 빌리는 금액(일반적으로 “클로징 비용이 없는” 대출의 경우)에는 어떤 수수료와 비용이 포함되나요?
    • 서면으로 받은 조건이 대출에 대해 들었던 내용과 동일한가요?
    • 다른 서비스 제공 업체에서 더 좋은 조건으로 결제 서비스를 이용할 수 있나요?
    • 수수료 없이 대출을 일찍 상환하거나 정해진 월 상환금보다 더 큰 금액을 납부할 수 있나요?

    더 좋은 조건을 요청해 보세요.

    여러 대출업체에서 받은 조건을 살펴본 후, 더 좋은 조건을 제시해 줄 수 있는지 문의하시기 바랍니다. 협상은 일반적인 것이며 이에 대해 물어보는 것은 해가 되지 않습니다. 대출업체에서는 일부 수수료를 면제해 주거나 줄여줄 수 있으며 이자율 또는 포인트를 낮춰 줄 수도 있습니다.

    대출업체에서 한 가지 수수료를 낮춰주는 대신 다른 수수료를 올리거나, 이자율을 내려주는 대신 포인트를 올리지는 않았는지 잘 확인해 보시기 바랍니다.

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    + + 메인 컨텐츠로 이동 + +
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    + An official website of the + United States government +
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    + + + (855) 411-2372 + +
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    + + + Submit a Complaint + +
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    Shopping for your auto loan (in Korean)
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    자동차 대출을 알아보는 방법

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    여러 대출을 비교하여 가장 좋은 이자율과 조건을 찾는 것은 복잡하지만 다른 상품을 비교하여 구매할 때와 크게 다르지 않습니다. 미리 알아보면 자동차 대출 협상에 대비할 수 있고 절차에 대한 스트레스를 줄일 수 있습니다.

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    오토론 신청 준비하기

    대출을 신청하기 전에 아래의 단계를 따라 준비하시면 자동차 대출 선정 및 협상 시에 유리할 것입니다.

    신용 보고서를 확인하세요

    신용 점수는 신용 보고서에 담긴 정보를 바탕으로 결정됩니다. 그리고 이 신용 점수는

    이용할 수 있는 자동차 대출의 종류 및 대출을 받을 때 지불해야 하는 이자에 큰 영향을 미칩니다.

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    공동 서명자가 필요하신가요?

    공동 서명자는 채무자와 마찬가지로 계약에 따라 대출을 갚아야 할 의무를 가진 사람을 말하며 부모나 가족 구성원 또는 친구가 여기에 해당될 수 있습니다. 신용 거래 기록이 적거나 개선이 필요한 경우, 그리고 신용 점수가 낮거나 신용 점수가 없는 경우에는 신용 점수가 좋은 공동 서명자가 있다면 이자율을 상당히 낮출 수 있습니다. 이는 대출업체에서 공동 서명자의 신용 거래 기록 및 신용 점수를 바탕으로 대출을 결정하기 때문입니다.

    공동 서명자를 고려하고 있다면 예비 공동 서명자와 함께 이 결정에 대해 신중하게 생각해야 합니다. 채무자가 대출금을 상환하지 않는다면 채무자와 공동 서명자가 함께 상환에 대한 책임을 지게 됩니다. 공동 서명자는 자동차 소유권이 없더라도 대출에 대한 책임을 져야 합니다. 또한, 상환이 연체되면 채무자와 공동 서명자의 신용 거래 기록 및 신용 점수에 영향이 있습니다. 일반적으로 연방법에서는 개인이 대출을 신청할 때 신용도가 대출업체의 기준에 부합하는 경우, 대출업체에서 공동 서명자를 요구하는 것을 금지하고 있습니다. consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811 에 방문하시면 공동 서명자에 대해 더 자세한 내용을 확인하실 수 있습니다.

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    자동차 대출의 현재 이자율을 확인하세요

    여러 은행, 신용조합 또는 기타 대출업체에 문의하여 이자율을 알아볼 수 있습니다. 많은 상업 사이트를 통해 온라인으로 전국 및 지역별 예상 이자율도 확인할 수 있습니다. 일부 상업 사이트는 견적을 제공하는 특정 대출업체 및 대리점으로 연결되므로, 개인 정보 입력 시 주의하셔야 합니다.

    계약금을 고려해 보세요

    계약금이 있으면 빌려야 할 금액이 적어지기 때문에 총 대출금이 줄어듭니다. 계약금이 많을수록 대출을 받는데 들어가는 총비용이 낮아집니다.

    현재 소유하고 있는 차량의 보상 판매 여부를 결정하세요

    이미 차량을 소유하고 있다면 보상 판매 또는 개인 매매를 통해 얼마를 받을 수 있는지 알아보시기 바랍니다. 컨슈머리포츠(Consumer Reports), 에드먼스닷컴(Edmunds.com), 켈리블루북(Kelley Blue Book), J.D. 파워(J.D. Power) 등 상업 온라인 웹사이트와 온라인 중고 거래 사이트를 이용하면 대략적인 가격을 찾아볼 수 있습니다. 이러한 자료들은 지역 도서관에서도 이용할 수 있습니다. 최근 주변 지역에서 유사한 차량이 매매된 사례를 찾아 합당한 가격을 추산하는 방법도 있습니다.

    현재 소유하고 있는 차량의 대략적인 가치를 알아본 후, 보상 판매를 할지 또는 직접 판매를 할지 결정할 수 있습니다. 자동차 판매 대리점에서 보상 판매를 한다면 대리점과 협상하여 다음 차량을 구매할 때 공제되는 금액을 결정합니다. 직접 판매를 하기로 한다면 판매금을 계약금으로 활용할 수 있습니다.

    보상 판매하는 차량에 대출이 있다면 신중하게 생각해 보세요.

    기존 채무 외에 새로운 채무를 감당할 것인지 신중히 생각해 보아야 합니다. 다음은 몇 가지 고려 사항 및 절차입니다.

    • 대리점을 방문하기 전에 현재 대출업체에서 상환액, 즉, 기존 대출을 갚기 위해 필요한 금액을 확인하셔야 합니다.
    • 현재 대출을 지금 상환할 것인지, 이전에 받은 자동차 대출을 모두 갚을 때까지 기다렸다가 새로운 차량을 구매하기 위해 대출을 받을 것인지, 또는 현재 소유하고 있는 차량에 남아 있는 채무액을 신규 자동차 대출에 포함시킬 것인지 결정하셔야 합니다.
    • 현재 소유하고 있는 차량의 가치보다 채무액이 더 높게 뒤바뀐 상황이라면, 역자산을 보유하고 있는 것입니다. 기존 자동차 대출 잔액을 신규 자동차 대출에 포함시킨다면 이로 인해 훨씬 더 많은 비용이 들 수 있습니다. 새 차의 가격보다 더 많은 돈을 빌려야 하기 때문에 총 대출 비용이 더 높아지는 것입니다.
    • 보상 판매 가격을 알아보고 난 후, 보상 판매하고자 하는 차량의 가치가 남아있는 대출금보다 높다면, 협상 과정에서 보상 판매 차량에 대한 합당한 가격을 제안받고 기존의 자동차 대출을 완전히 갚을 수 있는지 생각해 보는 것이 중요합니다.
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    보상 판매 차량에 대출금이 남아 있나요?

    기존 대출 잔액을 신규 대출에 포함시키려고 한다면, 신규 대출의 총비용에 어떤 영향을 미치는지 먼저 이해해야 합니다. 동의하기에 앞서 대출 금액, 연이율(APY), 이자율, 대출 기간(개월 수) 및 월 상환액을 포함하여 신규 대출 비용을 신중히 살펴보시기 바랍니다. 기존 차량에 대한 채무액을 신규 대출에 포함시키지 않고 현재 소유 차량을 유지하면서 새 자동차를 구매한다면, 두 개의 대출이 있어 월 상환금도 각각 납부해야 할 것입니다. 어떤 방법을 선택하더라도 보상판매 차량에 대한 채무액이 남아있다면 거래를 계속 진행하여 새로운 차량을 구매하는 것이 올바른 선택인지 생각해 봐야 합니다. 자세한 내용은 consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    선택 가능한 추가 옵션에 대해 미리 생각해 보세요

    자동차 판매 대리점을 방문하시면 차량이나 대출에 대한 추가 상품 및 서비스를 제안받을 가능성이 큽니다. 대리점에서 고민해야 할 사항을 줄이고 추가 옵션을 구매하라는 제안에 대해 미리 답을 준비해두기 위해 추가 옵션에 대해 미리 생각해 두는 것이 좋습니다. 일반적인 추가 옵션은 다음과 같습니다.

    이러한 상품 및 서비스는 선택 사항이며 대출을 이용하여 구매할 수도 있습니다. 구매를 결정했다면 가격은 협상할 수 있습니다. 추가 상품 또는 서비스를 구매하고 싶다면, 여러 곳에 알아보시기 바랍니다. 예를 들어, 현재 이용 중인 자동차 보험회사에서 GAP 보험, 신용보험 또는 다른 대안을 제공할 수도 있습니다. 선택 가능한 추가 옵션을 대출을 이용해 구매할 경우, 대출금 및 상환액은 증가합니다.

    이제 모든 사전조사가 끝나고 자동차 대출을 본격적으로 알아볼 준비가 되셨습니다. consumerfinance.gov에 있는 자동차 대출 워크시트를 사용하여 대출 조건을 파악하고 선택안을 서로비교해 보시기 바랍니다. 여러 대출을 비교해 보고 자신에게 가장 좋은 조건의 대출을 받을 수 있도록 은행, 신용조합, 기타 대출업체 및 자동차 판매 대리점을 방문할 때 이 워크시트를 가져가시면 됩니다.

    자동차 대출 알아보기

    이제 대출을 알아볼 준비가 되셨습니다. 대리점으로 가기 전에 개인정보를 미리 준비하고 대출 사전 승인을 받는 것을 고려해 보시기 바랍니다.

    미리 알아보면 자동차 대출 협상에 대비할 수 있고 절차에 대한 스트레스를 줄일 수 있습니다.

    개인정보를 준비하세요

    은행, 신용조합 또는 자동차 판매 대리점을 방문할 때는 필요한 모든 정보를 준비하셔야 합니다. 대출업체에서 대출 신청서를 작성할 때 일반적으로 다음과 같은 정보를 요구합니다.

    • 이름
    • 사회보장번호 또는 ITIN
    • 생년월일
    • 현재와 이전 주소 및 체류 기간
    • 현재와 이전 직장 및 근무기간
    • 직업
    • 수입원
    • 총 월 소득
    • 기타 채무를 포함한 현재 신용 거래 계정에 대한 금융 정보

    대출 사전 승인을 받으세요

    은행, 신용조합 또는 기타 대출업체에서 최대로 받을 수 있는 대출 금액과 이자율에 대해 사전 승인을 받거나 견적을 받는 것부터 시작하는 것이 좋습니다. 대출업체에서 받은 대출 견적을 대리점에 가져가면 대출업체에서 대출을 받거나 대리점에서 제안하는 대출 상품을 선택할 때 더 좋은 조건을 받는데 유리할 수 있습니다.

    사전 승인은 예산을 초과하지 않고 대리점에서 시간적 압박 없이 이자율을 비교하는 데 도움이 됩니다. 사전 승인을 통해 받을 수 있는 대출 조건에 대해 미리 알고 있기 때문에 대리점에서는 차량 가격 및 보상 판매 차량의 가격에 집중할 수 있게 됩니다. 사전 승인을 받은 대출을 이용하는 대신, 대리점에서 더 좋은 조건의 대출을 받기 위해 협상할 수도 있습니다.

    대출이 사전 승인되면 대출업체는 대리점에 제출할 수 있는 서류를 제공합니다. 구매할 준비가 되면, 대리점에서 대출 기관 최종 협의를 합니다.

    대출을 알아보는 것이 신용 점수에 어떤 영향을 주는지 이해하세요

    일반적으로 가장 좋은 조건의 자동차 대출을 알아보는 것은 신용 점수에 거의 영향을 미치지 않습니다. 자동차 대출을 알아봄으로써 얻는 이익이 신용 점수에 미치는 영향보다 훨씬 큽니다. 장기간에 걸쳐 여러 대출을 신청하면 신용 점수가 하락하는 경우가 있습니다. 신용 점수 산정 모델에 따라, 보통 14일에서 45일 사이에 여러 대출업체에서 요청한 신용 점수 요청 또는 문의는 모두 하나의 조회로 계산됩니다. 이는 그 기간 안에 여러 자동차 대출을 알아보면 한 건의 대출을 신청하는 것과 같다는 것을 의미합니다. 단기간에 모든 이자율을 알아보면 신용 점수에 미치는 나쁜 영향을 최소화할 수 있습니다.

    보장받는 권리에 대해 알아보세요

    대출업체는 인종, 피부색, 종교, 출신 국가, 성별, 결혼 여부, 나이, 공적 보조금 수급 여부 또는 소비자 신용보호법(Consumer Credit Protection Act)에 따라 행한 모든 신실한 권리 행사를 바탕으로 신용 거래 신청을 취소 또는 거부할 수 없으며, 대출에 대해 다른 가격을 제시하거나 대출 조건을 다르게 설정할 수 없습니다.

    사기 신고는 연방거래위원회(FTC)의 웹사이트인 reportfraud.ftc.gov 를 통해 온라인으로 하실 수 있습니다. 민원은 소비자금융보호국 웹사이트인 consumerfinance.gov/complaint 에서 온라인으로 접수하실 수 있으며 무료 전화번호인 1-855-411-CFPB(2372) 번으로 전화하여 접수하실 수도 있습니다

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    Будьте оперативны, если не можете осуществить выплаты по кредитным картам

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    Действуйте незамедлительно и позвоните в компанию, которая является эмитентом вашей кредитной карты, если вы не в состоянии выплатить сумму минимального платежа по этой кредитной карте.

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    Многие компании-эмитенты кредитных карт будут готовы пойти навстречу, если вы оказались в тяжелой финансовой ситуации. Вы можете обратиться за помощью к компаниям-эмитентам кредитных карт даже в том случае, если у вас нет задержек с платежами.

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    Не игнорируйте проблему

    Это может привести лишь к более серьезным проблемам, таким как:

    • Более высокие процентные ставки
    • Более высокие минимальные платежи
    • Потеря возможности использовать кредитную карту
    • Штрафы за задержку платежей
    • Ухудшение кредитной истории

    Вот что нужно сделать

    1. Рассчитайте общие суммы ваших доходов и расходов

    Попытайтесь найти способы сократить расходы. Если вы не можете найти достаточно средств для оплаты минимального платежа, определите, сколько вы можете заплатить.

    2. Позвоните в компанию-эмитент вашей кредитной карты

    Обязательно четко разъясните следующее:

    • Почему вы не можете оплатить минимальный платеж
    • Сколько вы в состоянии заплатить
    • Когда вы сможете возобновить обычные выплаты

    3. Рассмотрите возможность обращения к кредитному консультанту

    Если вам нужна дополнительная помощь, некоммерческие организации по кредитному консультированию могут научить вас лучше контролировать свои финансы.

    Прежде чем согласиться на кредитное консультирование, спросите, возьмут ли с вас плату за такие услуги и какие именно услуги вы получите. Убедитесь, что ваш консультант по кредиту уделяет время изучению вашей финансовой ситуации и предлагает помощь в улучшении ее.

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    Легких решений нет

    Некоторые частные компании по облегчению долгового бремени обещают помочь расплатиться с долгами «буквально за гроши» Но часто эти обещания не выполняются. Остерегайтесь любых организаций по облегчению долгового бремени, которые:

    • Взимают плату до урегулирования ваших долгов
    • Гарантируют, что могут избавить вас от долгов
    • Требуют прекратить контакты с кредиторами или эмитентами кредитных карт
    • Требуют прекратить выплаты по кредитным картам или займам
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    Auto loans key terms (in Russian)
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    Основные термины автокредита

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    Фактическая денежная стоимость (Actual Cash Value - ACV)

    Фактическая денежная стоимость (ACV) — это стоимость автомобиля согласно общепризнанным независимым источникам таким, как National Automobile Dealers Association (Национальная ассоциация автомобильных дилеров) или Kelley Blue Book (Синяя книга Келли) .

    Подробнее (на английском языке)

    Амортизация (Amortization)

    Амортизация описывает процесс постепенного погашения автокредита. При амортизации кредита для каждого из ваших ежемесячных платежей часть платежа направляется на погашение суммы кредита – основная сумма кредита – и часть платежа направляется на оплату финансовых сборов – процентов.

    Подробнее (на английском языке)

    Годовая процентная ставка (Annual Percentage Rate - APR)

    Годовая процентная ставка (APR) — это выраженная в процентах стоимость, которую вы платите каждый год, чтобы занять деньги. APR — это более широкая мера стоимости займа денег для вас, поскольку она отражает не только процентную ставку, но и сборы, которые вы должны заплатить, чтобы получить кредит. Чем выше APR, тем больше вы будете платить за срок кредита.

    APR автокредита и процентная ставка являются двумя наиболее важными показателями цены, которую вы платите за заимствование денег. Федеральный Закон о правде в кредитовании (TILA) требует, чтобы кредиторы предоставляли вам конкретную информацию о важных условиях, включая APR, до того, как у вас возникнут юридические обязательства по кредиту. Поскольку все кредиторы должны предоставить APR, вы можете использовать APR для сравнения автокредитов. Просто убедитесь, что вы сравниваете APR с APR, а не с процентными ставками.


    Правопреемник (Assignee)

    Правопреемник — это лицо или компания, которая покупает ваш автокредит. Например, автодилер, который предоставляет вам кредит, может продать ваш кредит банку, сделав банк правопреемником. Вы должны деньги тому, кто купил ваш кредит. Правопреемник имеет право удержания автомобиля и может изъять его, если вы не платите.

    Базовая цена (Base price)

    Базовая цена – это цена автомобиля без опций.

    Подробнее (на английском языке)

    Ставка покупки (Buy rate)

    Ставка покупки — это процентная ставка, которую потенциальный кредитор предлагает вашему дилеру, когда вы подаете заявку на финансирование, организованное дилером.

    Подробнее (на английском языке)

    Сопоручитель (Co-signer)

    Сопоручитель — это человек, например родитель, близкий член семьи или друг, который обязуется вернуть кредит, если вы этого не сделаете. Это может быть выгодно как вам, так и вашему кредитору. Сопоручитель берет на себя полную ответственность за выплату кредита. Наличие сопоручителя по вашему кредиту дает вашему кредитору дополнительную уверенность в том, что кредит будет погашен. Если вы не погасите кредит, ваш сопоручитель будет нести ответственность за его погашение, даже если сопоручитель никогда не водил ваш автомобиль. Если вас попросили совместно подписать кредит, вы должны подумать Кредитное страхование .


    Кредитное страхование (Credit insurance)

    Кредитное страхование — это дополнительная страховка, которая может выполнить ваши платежи за автомобиль вашему кредитору в определенных ситуациях, например, если вы умрете или станете инвалидом. Если вы рассматриваете возможность кредитного страхования, убедитесь, что вы понимаете условия предлагаемого страхового полиса. Если вы решите, что вам нужна страховка, для вас могут быть более дешевые способы получить страховое покрытие, чем покупка кредитного страхования и добавление его к автокредиту. Например, страхование жизни может быть дешевле, чем кредитное страхование жизни, и позволить вашей семье погасить другие расходы в дополнение к вашему автокредиту.  


    Списание или приостановление долга (Debt cancellation or suspension products)

    Некоторые автодилеры, а также банки и кредитные союзы предлагают продукты «списание долга» и «приостановление долга» или страхование под различными названиями. Эти продукты аналогичны кредитному страхованию с точки зрения их функций, но сборы и другие функции могут отличаться.

    Подробнее (на английском языке)

    Дефицит баланса (Deficiency balance)

    Если ваш автомобиль конфискован и продан, вы можете нести ответственность за выплату разницы между суммой, оставшейся в вашем кредите (плюс сборы за удержание автомобиля), и ценой продажи. Это известно как «дефицит баланса».

    Первоначальный взнос (Down payment)

    Первоначальный взнос — это первоначальный авансовый платеж, который вы вносите в счет полной стоимости автомобиля. Ваш первоначальный взнос может быть наличными, стоимостью предмета, сдаваемого в счет оплаты нового автомобиля или и тем, и другим. Чем больше ваш первоначальный взнос, тем меньше вам нужно занимать денег. Больший первоначальный взнос может также уменьшить ваш ежемесячный платеж и общую стоимость финансирования.

    Расширенная гарантия или контракт на обслуживание автомобиля (Extended warranty or vehicle service contract)

    Расширенная гарантия или контракт на обслуживание автомобиля покрывают расходы на некоторые виды ремонта в дополнение к гарантии производителя или после ее окончания.

    Подробнее (на английском языке)

    Отдел финансов и страхования (Finance and insurance department)

    Если вы покупаете автомобиль в дилерском центре, продавец может порекомендовать вам кого-то из отдела финансов и страхования (F&I) или коммерческого офиса. Это часть дилерского центра, которая предлагает кредиты и дополнительные услуги клиентам после того, как они согласились купить автомобиль в дилерском центре.

    Подробнее (на английском языке)

    Финансирование с фиксированной процентной ставкой (Fixed-rate financing)

    Финансирование с фиксированной процентной ставкой означает, что процентная ставка по вашему кредиту не меняется в течение всего срока кредита. С фиксированной ставкой вы можете видеть свой платеж за каждый месяц и общую сумму, которую вы будете платить в течение срока действия кредита. Вы можете предпочесть финансирование с фиксированной процентной ставкой, если вы ищете платеж по кредиту, который не изменится. Финансирование с фиксированной процентной ставкой является одним из видов финансирования. Другим типом является финансирование с переменной процентной ставкой.

    Принудительная страховка (Force-placed insurance)

    Для того, чтобы получить кредит на покупку автомобиля, вы должны иметь страховку, покрывающую сам автомобиль. Если вам не удалось получить страховку или вы допустили истечение срока действия страховки, договор обычно дает кредитору право получить страховку для покрытия автомобиля. Такая страховка называется «принудительная страховка».

    Подробнее (на английском языке)

    Страхование гарантированной защиты автомобиля (Guaranteed Auto Protection (GAP) insurance)

    Страхование GAP покрывает разницу (или разрыв) между суммой, которую вы должны по автокредиту, и суммой, которую выплачивает ваша страховка, если ваш автомобиль был украден, поврежден или не подлежит ремонту. Вам не обязательно покупать эту страховку, но, если вы решите, что она вам нужна, присмотритесь к ценам. Кредиторы могут устанавливать различные цены на этот продукт.

    Процентная ставка (Interest rate)

    Процентная ставка по автокредиту – это выраженная в процентах стоимость, которую вы платите каждый год за заемные средства. Процентная ставка не включает сборы, взимаемые за пользование кредитом.

    APR автокредита и процентная ставка являются двумя наиболее важными показателями цены, которую вы платите за заимствование денег. Федеральный Закон о правде в кредитовании (TILA) требует, чтобы кредиторы предоставляли вам конкретную информацию о важных условиях, включая APR, до того, как у вас возникнут юридические обязательства по кредиту. Поскольку все кредиторы должны предоставить APR, вы можете использовать APR для сравнения автокредитов. Просто убедитесь, что вы сравниваете APR с APR, а не с процентными ставками.

    Срок или продолжительность кредита (Loan term or duration)

    Это продолжительность вашего автокредита, как правило, выраженная в месяцах. Более короткий срок кредита (при котором вы делаете ежемесячные платежи за меньшее количество месяцев) снизит общую стоимость кредита. Более длительный срок кредита может уменьшить ваш ежемесячный платеж, но вы уплатите больше процентов в течение срока кредита. Более длительный срок кредита также подвергает вас риску отрицательного капитала, когда вы должны за автомобиль больше, чем он стоит.

    Отношение кредита к стоимости (Loan-to-value ratio)

    Отношение кредита к стоимости (LTV) — это общая стоимость вашего кредита в долларах, деленная на фактическую денежную стоимость (ACV) вашего автомобиля. Это отношение обычно выражается в процентах. Ваш первоначальный взнос уменьшает отношение кредита к стоимости для вашего кредита.

    Подробнее (на английском языке)

    Обязательный арбитраж (Mandatory binding arbitration)

    Подписывая контракт с положением об обязательном арбитраже, вы соглашаетесь разрешать любые споры по контракту арбитром, который решает спор вместо суда. Вы также можете согласиться отказаться от других правтаких, как возможность обжаловать решение или присоединиться к коллективному иску.

    Подробнее (на английском языке)

    Стимулы производителя (Manufacturer incentives)

    Стимулы производителя — это специальные предложения такие,как финансирования со ставкой 0% или скидки наличными, которые вы, возможно, видели в рекламе новых автомобилей. Часто они предлагаются только для определенных моделей автомобилей.

    Рекомендованная производителем розничная цена (MSRP)

    Рекомендованная производителем розничная цена (Manufacturer Suggested Retail Price - MSRP)

    Рекомендованная производителем розничная цена (MSRP) — это цена, которую автопроизводитель — изготовитель автомобиля — предлагает дилеру запросить за автомобиль.

    Отрицательный капитал (Negative equity)

    Если вы должны по текущему автокредиту больше, чем стоит автомобиль — это называется «перевернутая ситуация» — тогда у вас отрицательный капитал. Другими словами, если вы попытаетесь продать свой автомобиль, вы не сможете получить ту сумму, которую вы уже должны за него. Например, скажем, вы должны 10 000 долларов по автокредиту, а ваш автомобиль теперь стоит 8000 долларов. Это означает, что у вас отрицательный капитал в размере 2000 долларов. Этот отрицательный капитал необходимо будет погасить, если вы хотите встречно продать свой автомобиль и взять автокредит для покупки нового автомобиля.

    Автокредит без проверки кредитоспособности или автокредит «купи здесь, плати здесь» (No credit check or "buy here, pay here" auto loan)

    Автокредит «без проверки кредитоспособности» или автокредит «купи здесь, плати здесь» предлагаются дилерскими центрами, которые обычно финансируют автокредиты «собственными силами» заемщикам без кредита или с плохой кредитной историей.

    Подробнее (на английском языке)

    Основная сумма кредита (Principal)

    Основная сумма кредита — это деньги, которые вы изначально согласились выплатить.

    Как правило, любой платеж, сделанный по автокредиту, в первую очередь относится к любым причитающимся сборам (например, сборы за просрочку платежа). Затем оставшиеся деньги от вашего платежа будут отнесены к любым причитающимся процентам, включая просроченные проценты, если применимо. Затем оставшаяся часть вашего платежа будет отнесена к остатку основной суммы вашего кредита.

    Ценообразование, основанное на риске (Risk-based pricing)

    Ценообразование, основанное на риске, возникает, когда кредиторы предлагают разным потребителям разные процентные ставки или другие условия кредита, исходя из предполагаемого риска того, что потребители не смогут погасить свои кредиты.

    Подробнее (на английском языке)

    Полная стоимость (Total cost)

    Раскрытие информации согласно Закону о правде в кредитовании  Это сумма, которую вы заплатите за покупку своего автомобиля, включая основную сумму кредита, проценты и любой первоначальный взнос или встречную продажу в течение срока действия кредита.

    Раскрытие информации согласно Закону о правде в кредитовании (Truth in Lending disclosure)

    Федеральный Закон о правде в кредитовании — или сокращенно «TILA» — требует, чтобы заемщики получали письменную информацию о важных условиях кредита, прежде чем они будут юридически обязаны выплачивать кредит. Узнайте больше об информации, включенной в ваше раскрытие информации по закону TILA, и о том, когда вы должны ее получать и рассматривать.

    Финансирование с переменной процентной ставкой (Variable-rate financing)

    Финансирование с переменной процентной ставкой — это такое финансирование, когда процентная ставка по вашему кредиту может меняться в зависимости от основной ставки или другой ставки, называемой «индексом». В случае кредита с переменной процентной ставкой процентная ставка по кредиту меняется по мере изменения индексной ставки, а это означает, что она может повышаться или понижаться. Поскольку ваша процентная ставка может увеличиться, ваш ежемесячный платеж также может увеличиться. Чем дольше срок кредита, тем более рискованным может быть кредит с переменной процентной ставкой для заемщика, потому что есть больше времени для повышения ставок. Финансирование с переменной процентной ставкой является одним из видов финансирования. Другим типом является финансирование с фиксированной процентной ставкой.

    Страхование единого интереса поставщика (Vendor's Single Interest (VSI) insurance)

    Страхование VSI защищает кредитора, но не вас, в случае повреждения или уничтожения автомобиля.

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    Автоматизированная клиринговая палата (Automated Clearing House - ACH)

    Авторизация автоматизированной клиринговой палаты (ACH) — это авторизация платежа, которая дает кредитору разрешение на электронное снятие денег со счета вашего банка, кредитного союза или предоплаченной карты при наступлении срока платежа. Вы можете отозвать это разрешение.

    Автоматическое дебетование (Automatic debit payment)

    При автоматическом дебетовании вы разрешаете компании брать платежи непосредственно с вашего банковского счета. Это отличается от функции постоянной оплаты счетов, предлагаемой вашим банком. При постоянной оплате счетов вы даете разрешение своему банку или кредитному союзу отправлять платежи компании.

    Депозитный сертификат (Certificate of deposit - CD)

    Депозитный сертификат или CD — это особый тип сберегательного счета, предлагаемый банками или кредитными союзами. Как правило, вы должны хранить свои средства на CD в течение определенного периода времени, чтобы избежать штрафов.

    Подробнее (на английском языке)


    Продление срока депозитного сертификата (Certificate of deposit (CD) rollover)

    Продление или возобновление может произойти в конце срока CD.

    Подробнее (на английском языке)

    Оплачиваемая по требованию тратта (Demand draft)

    Оплачиваемая по требованию тратта, позволяет кому-либо снимать деньги с вашего расчетного счета без вашей подписи.

    Подробнее (на английском языке)

    Резервирование средств по вкладу (Deposit hold)

    Время, в течение которого банк или кредитный союз удерживает средства, которые вы вносите чеком, иногда называют «резервирование средств по вкладу» или «резервирование средств по чеку». Некоторые банки или кредитные союзы могут предоставлять средства доступными быстрее, чем того требует закон, а некоторые могут ускорять доступность средств за определенную плату.

    Фидуциарий (Fiduciary)

    Фидуциарий - это лицо, которое управляет деньгами или имуществом для кого-то другого. Когда вас назначают фидуциарием, по закону вы обязаны управлять деньгами и имуществом человека в его или ее интересах, а не в ваших интересах.


    Опекун над имуществом (Guardian of property)

    Опекуном над имуществом является лицо, назначенное судом для управления деньгами и имуществом другого лица, которое, по решению суда, не может самостоятельно управлять своими деньгами и имуществом.

    Подробнее (на английском языке)


    Индивидуальный идентификационный номер налогоплательщика (Individual taxpayer identification number - ITIN)

    ITIN — это идентификационный номер, который вы получаете от Налогового управления США (Internal Revenue Service). ITIN предоставляется только некоторым иностранцам-нерезидентам и резидентам, их супругам и иждивенцам, которые не могут получить Номер социального обеспечения (Social Security Number).

    Совместный счет (Joint account)

    Если вы хотите, чтобы ваш друг или член семьи мог выписывать чеки и вносить депозиты от вашего имени, вы можете рассмотреть возможность открытия совместного счета. Как правило, каждый, чье имя указано на совместном счете, может выписывать чеки, снимать деньги, совершать транзакции, переводить средства или закрывать счет. Если один из владельцев счета должен деньги, кредитор может попытаться взыскать деньги с совместного банковского счета.

    Счет денежного рынка (Money market account)

    Счет денежного рынка — это особый тип счета, предлагаемый банками или кредитными союзами.

    Подробнее (на английском языке)

    Плата за необеспеченный чек (Non-sufficient funds (NSF) fees)

    Плата за NSF или необеспеченный чек может взиматься, если ваш чек или электронная авторизация не оплачены из-за отсутствия средств на вашем счете. Такой чек обычно называют «возвращенным» (returned) или «отклоненным» (bounced) чеком.

    Овердрафт (Overdraft)

    Овердрафт возникает, когда на вашем счете недостаточно денег для покрытия транзакции, но банк все равно оплачивает транзакцию. Вы можете перерасходовать свой счет с помощью чеков, транзакций в банкоматах, покупок по дебетовой карте, автоматических платежей по счетам, а также снятия средств в электронном виде или лично.

    Многие банки и кредитные союзы предлагают программы защиты от овердрафта, при наличии которых банк или кредитный союз обычно оплачивает транзакцию и взимает с вас плату за это (помимо требования о возврате суммы овердрафта). Овердрафт также может быть покрыт переводом средств со связанного счета, кредитной карты или кредитной линии.

    Личная кредитная линия (Personal line of credit)

    Личная кредитная линия — это кредит, который вы получаете время от времени. Вы выписываете специальные чеки или запрашиваете перевод на свой расчетный счет по телефону или онлайн.

    Как и в случае со счетом кредитной карты, у вас есть кредитный лимит, вы получаете ежемесячный счет, вносите минимальный платеж, выплачиваете проценты на основе непогашенного остатка и, возможно, платите комиссию каждый раз, когда используете счет.

    Личные кредитные линии не обеспечены, в отличие от кредитной линии под залог дома (HELOC), которая обеспечена ипотекой на ваш дом. Личные кредитные линии предлагаются банками и кредитными союзами и обычно требуют, чтобы у вас также был расчетный счет в том же учреждении.

    Доверенность (Power of attorney)

    Доверенность (POA) — это юридический документ, который позволяет другому лицу действовать от вашего имени. Создание POA — это относительно недорогой способ назначения замещающего лица, принимающего решения за вас, хотя для этого может потребоваться помощь юриста.

    Финансовую POA можно использовать в качестве инструмента для планирования в случае будущей недееспособности — неспособности принимать финансовые решения, например, из-за слабоумия, черепно-мозговой травмы или какого-либо другого нарушения, влияющего на умственные функции. При использовании для заблаговременного планирования POA обычно является «долговременной» (durable), что означает, что она продолжает действовать, даже если человек, создавший ее, становится недееспособным. Читайте дополнительный материал, чтобы узнать больше о доверенности (POA).

    Представитель получателя платежей (Representative payee)

    Администрация социального обеспечения (SSA) назначает лицо в качестве представителя получателя платежей для другого лица, которому требуется помощь в управлении выплатами пособий Социального обеспечения или Дополнительного дохода по социальному обеспечению (SSI). Представитель получателя платежей может распоряжаться только чеками на пособия, оплаченными SSA. Если лицо, получающее пособия, имеет другие деньги или имущество, которыми оно не может распоряжаться, представитель получателя платежей должен иметь юридические полномочия из другого источника для управления другими средствами. Например, представитель получателя платежа также может быть назначен судом опекуном над имуществом. Как представитель получателя платежей социального обеспечения, вы являетесь фидуциарием (fiduciary).

    Для получения дополнительной информации о представителях получателя платежей прочитайте это руководство по управлению деньгами других лиц.

    Отзывной траст, вступающий в силу при жизни его основателя (Revocable living trust)

    Отзывной траст, вступающий в силу при жизни его основателя— это юридический документ, который дает вам право принимать решения о деньгах или имуществе другого лица, находящихся в доверительном управлении.

    Подробнее (на английском языке)

    Представитель получателя платежей социального обеспечения (Social Security representative payee)

    Администрация социального обеспечения назначает лицо в качестве представителя получателя платежей для другого лица, которому требуется помощь в управлении платежами пособий Социального обеспечения или Дополнительного дохода по социальному обеспечению.

    Подробнее (на английском языке)

    Фидуциарий Администрации по делам ветеранов (VA fiduciary)

    Фидуциарий – это лицо, управляющее деньгами или имуществом для какого-либо другого лица. Администрации по делам ветеранов (VA) назначает фидуциариев VA для управления льготами ветеранов для людей, которые не могут самостоятельно распоряжаться средствами.

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    Проверяйте свой отчет о кредитной истории как минимум один раз в год

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    Желательно проверять свои кредитные отчеты как минимум один раз в год.

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    Бесплатные копии кредитных отчетов можно получать один раз в 12 месяцев. Для этого нужно зайти на веб-сайт: annualcreditreport.com . Это единственный источник онлайн, который санкционирован федеральным законодательством для того, чтобы предоставлять бесплатные отчеты о кредитоспособности от трех крупнейших национальных бюро кредитных историй - Equifax, Experian и TransUnion.

    Кроме этого, до 31 декабря 2026 года компания Equifax будет предоставлять шесть бесплатных кредитных отчетов каждые 12 месяцев. При посещении этого сайта вы возможно увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в своем рейтинге кредитоспособности.

    На других веб-сайтах, где могут предлагаться бесплатные отчеты о кредитоспособности, от вас могут требовать, чтобы вы подписались на "бесплатную демонстрацию", которая в конечном счете приведет к тому, что вам будут выставлять счет, или вам попробуют продать другие товары или услуги, которые вам не нужны.

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    Для чего нужно проверять свой кредитный отчет:

    • Чтобы убедиться в том, что в отношении вас указана правильная и актуальная информация
    • Находить какие-либо ошибки
    • Проверять то, чтобы в вашем отчете содержалась только информация о вас, чтобы избежать хищения персональных данных
    • Исправлять любые обнаруженные ошибки

    Ошибки, содержащиеся в ваших кредитных отчетах или случаи мошенничества, вызванные хищением ваших персональных данных, могут привести к тому, что заимствование средств будет более дорогим для вас или вы не сможете получить кредит.

    Типичные ошибки в кредитных отчетах:

    • Ссуды и счета для кредитов, которые вы никогда не открывали
    • Неправильно написанное имя и фамилия, неправильный номер социального страхования, неправильный адрес или номер телефона
    • Неправильно указано то, что счета не оплачены, неправильные балансы средств, неправильные лимиты кредитования, закрытые счета указаны как открытые, неправильные даты несвоевременной оплаты счета или счет указан несколько раз
    • Счета не указаны как "оплаченные" в то время, когда платежи можно было задерживать во время пандемии КОВИД-19

    Обжалуйте найденные вами ошибки

    В кредитном отчете вы также получите информацию о том, как можно обжаловать ошибку. Обычно необходимо послать письмо с обжалованием информации как в бюро кредитных историй, так и в компанию, которая была источником или "поставщиком" такой информации (например - компания по обслуживанию кредитных карт).

    Четко объясните им, что по вашему мнению указано неправильно и почему. Укажите факты, объясните почему вы оспариваете эту информацию и попросите, чтобы ее исправили.

    К своему письму с обжалованием информации вам желательно приложить копию соответствующей части кредитного отчета. Выделите спорные пункты, чтобы их было видно.

    Кроме этого, приложите копии документов, которые подтверждают вашу позицию. Никогда не высылайте оригиналы документов. Сохраните у себя копии своих писем с оспариванием информации и приложения к ним.

    Бюро кредитных историй и поставщик информации будут обязаны провести расследование этого спора и устранить все ошибки. Если оспариваемая информация неправильна или не может быть подтверждена – компания, которая предоставила такую информацию, обязана удалить или изменить ее и предоставить исправление в те бюро кредитных историй, которые получили ее. Если в ходе расследования не будет разрешен ваш спор, поданный в компанию кредитных историй, то в таком случае вы имеете право попросить, чтобы изложение этого спора было включено в информацию о вашей кредитоспособности и в будущие кредитные отчеты.

    Вы не обязаны платить за мониторинг кредитоспособности

    Многие компании, которые обещают предоставлять вам бесплатные отчеты о кредитоспособности, хотят подписать вас на свои услуги по мониторингу вашего кредитного рейтинга или на другую продукцию. Вы можете предпринять бесплатные или недорогие нижеуказанные шаги для того, чтобы защитить себя.

    Если у вас есть жалоба или опасения по поводу услуг по мониторингу кредитного рейтинга - свяжитесь с Федеральной торговой комиссией по телефону, 877-FTC-HELP.

    Самостоятельно следите за своей кредитоспособностью

    В соответствии с законодательством вы имеете право попросить, чтобы вам предоставляли бесплатный отчет о кредитоспособности один раз в 12 месяцев от каждого из общенациональных бюро кредитных историй. Вы можете получить эти отчеты одновременно или можете разделить их по времени. Например, вы можете получить эти отчеты одновременно или можете разделить их по времени. Например, вы можете зайти на веб-сайт annualcreditreport.com в январе для того, чтобы получить свой отчет от компании Experian. В апреле вы можете запросить отчет от компании Equifax, а в августе запросить отчет от компании TransUnion. Чередуя свои запросы таким образом вы можете в течение всего года бесплатно следить за своей кредитоспособностью.

    Защитите себя от похитителей персональных данных

    Вам не нужно платить за услуги по мониторингу кредитного рейтинга для того, чтобы не позволить похитителям открывать счета от вашего имени. Свяжитесь с компаниями Equifax, Experian и TransUnion и попросите их, чтобы они "заморозили" ваши кредитные отчеты. Такое "замораживание" не позволит потенциальным заимодавцам получать доступ к вашей кредитной истории до тех пор, пока вы не отмените это "замораживание" для конкретного заимодавца или на конкретный отрезок времени. Как правило, заимодавцы не будут предлагать вам кредит в том случае, если они не могут получить доступ к отчетам о вашей кредитоспособности. Таким образом "замораживание" не позволит вам или другим лицам открывать счет на ваше имя. За "замораживание" счета платить не нужно.

    Запрос о сообщении о мошенничестве

    Если вы полагаете, что вы пострадали (или в скором времени пострадаете) от хищения персональных данных или мошенничества - вы можете внести в свой кредитный отчет сообщение о мошенничестве. Сообщение о мошенничестве требует от заимодавцев того, чтобы они предприняли действия для проверки вашей личности до того, как будут открывать новый счет по вашему запросу, или выдадут дополнительную кредитную карточку, или увеличат лимит кредитования по существующему счету. Вы также можете предоставить номер телефона, чтобы заимодавцы могли позвонить вам и подтвердить вашу личность (сообщение о мошенничестве не будет запрещать заимодавцу предоставлять кредит на ваше имя).

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    СОВЕТ

    Если вы подозреваете, что в результате хищения ваших личных данных в ваш отчет попала ошибка - вам нужно обжаловать отчет, чтобы исправить ее. Если вы хотите получить информацию о том, как избежать похищения ваших личных данных и о том, какие действия вы можете предпринять, если вы пострадали от хищения ваших данных - вы также можете зайти на веб-сайт по борьбе с хищением личных данных Федеральной комиссии по вопросам торговли: ftc.gov/idtheft

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    Для военнослужащих: подумайте о том, что можно внести сообщение о переходе на действительную военную службу

    Если вы военнослужащий и находитесь на действительной военной службе - вы можете внести в кредитный отчет "сообщение о действительной военной службе", чтобы снизить риск хищения персональных данных. Такое сообщение позволит потенциальному заимодавцу знать о том, что вы находитесь на действительной военной службе и можете находиться за пределами страны. Поэтому заимодавец будет обязан сделать соответствующие шаги по проверке вашей личности перед тем, как предоставить кредит на ваше имя. Вы также можете попросить, чтобы Equifax, TransUnion и Experian осуществляли бесплатный мониторинг вашего кредитного рейтинга. Дополнительную информацию можно найти на веб-сайте бюро CFPB, раздел "Кредитные отчеты и рейтинги" (Credit reports & scores).

    Если вы ветеран, то некоторые типы медицинских долгов могут быть удалены из вашего кредитного отчета. Вам нужно будет оспорить информацию, которая имеется в бюро кредитных историй, и предоставить доказательства того, что Администрация по делам ветеранов будет отвечать за такой долг или уже занимается процедурой по его оплате.

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    Годовая процентная ставка (Annual percentage rate - APR)

    APR, или годовая процентная ставка, является стандартным способом сравнения стоимости кредитов. Он позволяет сравнивать стоимость кредитных продуктов по принципу «сравнивать яблоки с яблоками». Компания, выпустившая вашу кредитную карту, должна раскрыть информацию о годовой процентной ставке, прежде чем вы согласитесь использовать карту.

    Чтобы рассчитать APR, процентная ставка и сборы сравниваются с суммой, которую вы занимаете, и расчет проводится для периода в один год. Это позволяет сравнить стоимость кредитной карты с шестимесячным кредитом с погашением в рассрочку. Именно поэтому APR часто отличаются от простых процентных ставок.

    Перевод остатка (Balance transfer)

    Перевод остатка позволяет переместить непогашенный остаток задолженности с одной кредитной карты на другую, иногда за определенный сбор. Сбор обычно составляет определенный процент от суммы перевода или фиксированную сумму, в зависимости от того, что больше. Многие компании, выпускающие кредитные карты, предлагают беспроцентные или низкопроцентные переводы остатка, чтобы предложить вам консолидировать свой долг на одной кредитной карте. Стимулирующая процентная ставка для большинства переводов остатка действует в течение ограниченного времени. После этого процентная ставка по вашей новой кредитной карте может вырасти, увеличив сумму платежа.

    Если вы просрочили платеж более чем на 60 дней, компания-эмитент кредитной карты может увеличить вашу процентную ставку по всем остаткам, включая переведенный остаток.

    Кредитовый остаток (Credit balance)

    Кредитовый остаток на счету — это сумма, которую эмитент карты должен вам.

    Кредиты добавляются к вашему счету каждый раз, когда вы делаете платеж. Он также может быть добавлен, когда вы возвращаете что-то, купленное с помощью кредитной карты, или из-за заработанных вами вознаграждений, или из-за ошибки в предыдущем счете. Если общая сумма кредитов превышает сумму, которую вы должны, в выписке отображается кредитовый остаток.

    Подробнее (на английском языке)


    Ежедневная периодическая процентная ставка (Daily periodic rate)

    Некоторые эмитенты карт рассчитывают проценты по счету, используя ежедневную периодическую процентную ставку, которая используется для расчета процентов путем умножения ставки на сумму, причитающуюся в конце дня. Эта сумма процентов затем добавляется к балансу предыдущего дня, что означает, что проценты начисляются ежедневно.

    Льготный период (Grace period)

    Льготный период — это период между окончанием платежного цикла и датой наступления срока платежа. В течение этого времени с вас не могут взимать проценты, если вы полностью погасите остаток в установленный срок. Компании-эмитенты кредитных карт не обязаны предоставлять льготный период. Однако большинство кредитных карт предоставляют льготный период на покупки.

    Подробнее (на английском языке)

    Процентная ставка (Interest rate)

    Процентная ставка по кредитной карте — это цена, которую вы платите за то, что берете деньги в долг. Для кредитных карт процентные ставки обычно указываются в виде годовой ставки, которая называется годовой процентной ставкой (APR). По большинству карт можно не платить проценты за покупки, если ежемесячно полностью оплачивать остаток к установленному сроку.

    Предложение кредитной карты с предварительной проверкой (Prescreened credit card offer)

    Предложение кредитной карты с предварительной проверкой происходит, когда компании-эмитенты кредитных карт используют информацию от компаний, предоставляющих кредитные отчеты, чтобы сделать твердые предложения кредита вам, если ваша кредитная история соответствует критериям, выбранным компанией-эмитентом.

    Подробнее (на английском языке)


    Несанкционированное использование (Unauthorized use)

    Как правило, несанкционированное использование — это использование кредитной карты лицом, не имеющим права использовать карту. Например, если вы потеряете свою карту, а кто-то ее найдет и воспользуется, это будет считаться несанкционированным использованием.

    Подробнее (на английском языке)

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    Запрос кредитной информации (Credit inquiry)

    Запрос относится к просьбе ознакомиться с вашей кредитной историей, и обычно он подразделяется на один из двух типов.

    Подробнее (на английском языке)

    Кредитные невидимки (Credit invisible)

    В 2015 году мы опубликовали отчет, в котором говорится, что 26 миллионов американцев являются «кредитными невидимками». Эта цифра показывает, что каждый десятый взрослый не имеет кредитной истории в одной из трех общенациональных компаний, предоставляющих кредитную отчетность. Еще 19 миллионов потребителей имеют «неподдающиеся оценке» кредитные досье, что означает, что их досье неполноценное и имеет недостаточную кредитную историю (9,9 миллиона) или у них устаревшие файлы и отсутствует какая-либо недавняя кредитная история (9,6 миллиона). В целом, 45 миллионов потребителей могут быть лишены доступа к кредиту, потому что у них нет кредитной истории, которую можно было бы оценить. Люди, кредитная история которых не видна или не поддается оценке, как правило, не имеют доступа к качественному кредиту и могут столкнуться с рядом проблем, от попытки получить кредит до аренды квартиры.

    Служба кредитного мониторинга (Credit monitoring service)

    Служба кредитного мониторинга — это коммерческая служба, которая взимает с вас плату за просмотр ваших кредитных отчетов и оповещение вас об изменениях в счетах, перечисленных в вашем кредитном отчете.

    Подробнее (на английском языке)


    Кредитный отчет (Credit report)

    Кредитный отчет — это выписка, содержащая информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов.

    Компания кредитных историй (Credit reporting company)

    Компании кредитных историй, также известные как бюро кредитных историй или агентства по предоставлению информации о кредитоспособности потребителей, представляют собой компании, которые составляют и продают кредитные отчеты.

    Кредитный рейтинг (Credit score)

    Кредитный рейтинг показывает, насколько велика вероятность того, что вы вовремя выплатите кредит. Компании используют математическую формулу, называемую рейтинговой моделью, для создания вашего кредитного рейтинга на основе информации в вашем кредитном отчете. Важно знать, что у вас есть не только «один» кредитный рейтинг, а существует множество кредитных рейтингов, доступных как вам, так и кредиторам. Любой кредитный рейтинг зависит от данных, используемых для его расчета, и может отличаться в зависимости от рейтинговой модели, источника вашей кредитной истории, типа кредитного продукта и даже дня, когда он был рассчитан.

    Закон о точной отчетности по кредитам (Fair Credit Reporting Act)

    Федеральный Закон о точной отчетности по кредитам (FCRA) способствует обеспечению точности, справедливости и конфиденциальности информации в файлах агентств по предоставлению информации о кредитоспособности потребителей. Существует много типов агентств по предоставлению информации о кредитоспособности потребителей, включая бюро кредитной информации и специализированные агентства (например, агентства, которые продают информацию об историях выписки чеков, медицинских записях и записях об истории аренды). Узнайте больше о ваших основных правах в соответствии с FCRA .


    Рейтинг FICO (FICO score)

    Рейтинг FICO® — это особый вид кредитного рейтинга.

    Подробнее (на английском языке)


    Предупреждение о мошенничестве (Fraud alert)

    Предупреждение о мошенничестве требует, чтобы кредиторы, проверяющие ваш кредитный отчет, предприняли шаги для подтверждения вашей личности перед открытием нового счета, выпуском дополнительной карты или увеличением кредитного лимита существующего счета на основании запроса потребителя. Когда вы размещаете предупреждение о мошенничестве в своем кредитном отчете в одной из общенациональных кредитных компаний, она должна уведомить другие компании. Существует два основных типа предупреждений о мошенничестве: начальные предупреждения о мошенничестве и расширенные предупреждения.



    Мониторинг личных данных или защита от хищения личных данных (Identity monitoring or identity theft proection)

    Службы защиты от хищения личных данных отслеживают данные, идентифицирующие личность, в кредитных заявках, общедоступных записях, веб-сайтах и других местах на предмет любых необычных действий, которые могут быть признаками хищения личных данных.

    Подробнее (на английском языке)



    Кража личных данных (Identity theft)

    Кража личных данных происходит, когда кто-то крадет ваши личные данные для совершения мошенничества. Кража ваших личных данных может означать использование личной информации без вашего разрешения, например:

    • Ваше имя и фамилия
    • Номер социального обеспечения
    • Номер кредитной карты


    Предупреждение для лиц на действительной военной службе (Military active duty alert)

    Военнослужащие (например, военнослужащие морской пехоты, армии, флота, военно-воздушных сил и береговой охраны) могут запросить предупреждение для лиц на действительной военной службе. Когда вы размещаете предупреждение для лиц на действительной военной службе в своем кредитном отчете, кредиторы должны предпринять разумные шаги, чтобы убедиться, что лицо, делающее запрос, действительно является вами, прежде чем открывать счет, выпускать дополнительную кредитную карту для существующего счета или увеличивать кредитный лимит на вашем счете. Предупреждения для лиц на действительной военной службе действуют в течение 12 месяцев. Ваше имя также будет в течение двух лет удалено из общенациональных списков компаний, предоставляющих кредитные отчеты для предварительной проверки маркетинговых предложений по кредитам и страхованию.


    Уплаченный просроченный долг (Paid collection)

    Уплаченный просроченный долг — это счет, который подлежал взысканию, потому что был просрочен, а затем был оплачен.

    Подробнее (на английском языке)


    Замораживание кредита (Security freeze)

    «Замораживание кредита» в вашем кредитном отчете не позволяет новым кредиторам получить доступ к вашей кредитной истории, а другим лицам — открывать счета на ваше имя до тех пор, пока вы не снимете замораживание. Поскольку большинство бизнесов не откроют кредитные счета без проверки вашего кредитного отчета, замораживание может помешать похитителям личных данных открыть новые счета на ваше имя.


    Компания по предоставлению информации о кредитоспособности потребителей (Specialty consumer reporting company)

    Компании, предоставляющие информации о кредитоспособности потребителей, собирают и обмениваются информацией о вашей истории трудоустройства, истории транзакций с бизнесом или истории погашения кредита за конкретный продукт или услугу.


    Отчет о проверке арендатора (Tenant screening report)

    Отчет, используемый арендодателями для принятия решений о возможных арендаторах. Отчет о проверке арендатора может содержать информацию из многих источников, включая вашу историю аренды и кредитные отчеты.

    Подробнее (на английском языке)


    Неполноценное кредитное досье / Отсутствие кредитного досье (Thin credit file / No credit file)

    Неполноценное кредитное досье или отсутствие кредитного досье означает, что у человека нет кредитной истории или недостаточно текущей кредитной истории для получения кредитного рейтинга. Смотрите раздел: Кредитные невидимки

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    Кредитный консультант (Credit counselor)

    Кредитные консультанты могут помочь в следующих случаях:

    • Консультировать вас по управлению вашими деньгами и долгами
    • Помочь составить бюджет
    • Обычно предлагают бесплатные учебные материалы и семинары
    • Как правило, кредитные консультанты сертифицированы и обучены в области потребительского кредита, управления денежными средствами и долгом, а также составления бюджета. Консультанты обсудят с вами всю вашу финансовую ситуацию и помогут разработать индивидуальный план решения ваших денежных проблем.

    Правило взыскания задолженности (Debt Collection Rule)

    Бюро по защите прав потребителей финансовых услуг (CFPB) издало «правила», вступившие в силу 30 ноября 2021 года, которые разъясняют и толкуют федеральный Закон о добросовестной практике взыскания задолженности (FDCPA).

    Подробнее (на английском языке)

    Коллектор задолженности (Debt collector)

    В соответствии с федеральным Законом о добросовестной практике взыскания задолженности взысканием задолженности обычно занимается физическое лицо или компания, которые регулярно осуществляют взыскание задолженностей, причитающиеся другим, обычно когда эти долги просрочены.

    К коллекторам задолженности относятся агентства по взысканию задолженности или юристы, которые осуществляют взыскание задолженностей как часть своего бизнеса. Существуют также компании, которые покупают просроченные задолженности у кредиторов или других бизнесов, а затем пытаются их взыскать. Эти коллекторы задолженностей также называются агентствами по взысканию задолженностей, компаниями по взысканию задолженностей или покупателями задолженностей.


    Услуги по урегулированию (выплате) задолженности (Debt settlement (relief) services)

    Компании по урегулированию задолженности — это компании, которые заявляют, что могут пересмотреть, урегулировать или каким-либо образом изменить условия задолженности человека перед кредитором или коллектором задолженности. Работа с компаниями по урегулированию задолженности может быть рискованной. Читать подробнее

    Закон о добросовестной практике взыскания задолженности (Fair Debt Collection Practices Act - FDCPA)

    Закон о добросовестной практике взыскания задолженности (FDCPA) является основным федеральным законом, регулирующим практику взыскания задолженности. FDCPA запрещает компаниям по взысканию задолженности использовать оскорбительные, несправедливые или вводящие в заблуждение методы для взыскания ваших задолженностей. Ознакомьтесь с подробной информацией о ваших правах в соответствии с законом FDCPA.

    Наложение ареста на имущество должника у третьего лица (Garnishment)

    Удержание задолженности из заработной платы или с банковского счета происходит, когда кредитор забирает часть вашей зарплаты или денег с вашего банковского счета для взыскания задолженности. Наложение ареста на имущество должника у третьего лица обычно требует судебного приказа на основании судебного решения. Однако некоторые долги государству также могут привести к наложению ареста на имущество должника у третьего лица, даже без судебного решения.

    Законы штата и федеральные законы имеют ограничения или «исключения», в отношении сумм, которые берутся с банковского счета и заработной платы, обычно для того, чтобы убедиться, что у вас остались средства на жизнь. Также нарушением Закона о добросовестной практике взыскания задолженности (FDCPA) является угроза со стороны коллектора, что на вашу заработную плату будет наложен арест, если ваша заработная плата не может быть арестована на законных основаниях.

    Преследование со стороны коллектора задолженности (Harassment by a debt collector)

    В Законе о добросовестной практике взыскания задолженности (FDCPA) говорится, что коллекторы задолженности не могут преследовать, притеснять или оскорблять вас или кого-либо еще, с кем они контактируют.

    Притеснения со стороны коллекторов задолженности могут принимать разные формы. Примеры включают повторяющиеся телефонные звонки, которые предназначены для того, чтобы раздражать, оскорблять или беспокоить вас или любого человека, отвечающего на звонок; нецензурная брань или ненормативная лексика; угрозы насилием или причинением вреда; публикация списков людей, которые отказываются платить по своим задолженностям (это не включает предоставление информации в кредитную компанию); и звонят без указания того, кто они такие.


    Судебное решение (Judgment)

    Судебное решение является официальным результатом судебного разбирательства. В исках о взыскании задолженности судья может вынести решение против вас в пользу кредитора или коллектора задолженности. Если вы не ответите на юридическое заявление о возбуждении дела, вы потеряете возможность защитить себя и можете обнаружить, что против вас вынесено судебное решение.

    Если кто-то подает на вас в суд или если кто-то получил судебное решение против вас, и вы не знаете, что делать, проконсультируйтесь с адвокатом. Некоторые адвокаты могут предлагать бесплатные услуги или взимать сниженную плату. В вашем районе также могут быть бюро юридической помощи или юридические клиники , которые будут предлагать свои услуги бесплатно, если вы соответствуете определенным критериям. Военнослужащие должны проконсультироваться в своем местном офисе военно-юридической службы JAG .


    Сообщение с ограниченным содержанием (Limited-Content Message)

    В соответствии с Правилом взыскания задолженностей (Debt Collection Rule) это сообщение голосовой почты для потребителя, которое должно содержать определенную необходимую информацию и может содержать другой необязательный контент.

    Подробнее (на английском языке)

    Первоначальный кредитор (Original creditor)

    В общем случае, первоначальным кредитором является компания, которая предоставила вам ссуду или кредит. Первоначальный кредитор может попытаться взыскать просроченный кредитный счет самостоятельно или нанять коллектора задолженности. Первоначальный кредитор также может продать ваш кредитный счет коллектору задолженности. Коллектор задолженности — это, как правило, третье лицо, с которым был заключен контракт специально для взыскания задолженности вашего счета, или кто-то, кто приобрел его у первоначального кредитора или другого коллектора задолженности или покупателя задолженности.

    Срок исковой давности (Statute of limitations)

    Срок исковой давности — это ограниченный период времени, в течение которого кредиторы или коллекторы задолженности должны подать иск в суд для взыскания задолженности. Большинство сроков исковой давности составляют от трех до шести лет, хотя в некоторых юрисдикциях они могут быть дольше. Сроки исковой давности могут различаться в зависимости от законов штата, типа вашей задолженности или закона штата, указанного в вашем кредитном соглашении.

    Уведомление о валидации (Validation Notice)

    Коллектор задолженности обязан предоставить определенную информацию при первом общении с потребителем или вскоре после этого. Когда коллектор задолженности предоставляет эту необходимую информацию в электронном или письменном виде, это называется уведомлением о валидации.

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    Финансовая эксплуатация пожилых людей (Elder financial exploitation)

    Финансовая эксплуатация пожилых людей — это незаконное или ненадлежащее использование средств, имущества или активов пожилых людей. Это наиболее распространенная форма жестокого обращения с пожилыми людьми, но сообщается лишь о небольшой части таких случаев.

    Преступниками могут быть незнакомцы, завоевавшие доверие пожилых людей, но это также могут быть члены семьи или друзья. Важно знать настораживающие признаки.

    Подробнее (на английском языке).

    Мошенническое предложение помощи при потере права выкупа (Foreclosure relief scam)

    Мошенническое предложение помощи при потере права выкупа и модификации ипотечного кредита — это схемы, направленные на то, чтобы забрать ваши деньги или ваш дом, часто путем ложного обещания спасти вас от потери права выкупа. Эти мошенники могут попросить деньги заранее и гарантировать, что вы можете изменить условия ипотеки. Если у вас возникли проблемы с выплатой ипотечного кредита, консультационное агентство, одобренное Министерством жилищного строительства и городского развития США (HUD), может бесплатно помочь вам с выбором вариантов.

    Предупреждение о мошенничестве для его предотвращения (Fraud alert for prevention)

    Предупреждение о мошенничестве — это то, что вы можете использовать, чтобы уменьшить вероятность того, что вы станете жертвой хищения личных данных для создания нового счета. Предупреждение о мошенничестве требует, чтобы кредиторы, проверяющие ваш кредитный отчет, предприняли шаги для подтверждения вашей личности перед открытием нового счета, выпуском дополнительной карты или увеличением кредитного лимита существующего счета. Когда вы размещаете предупреждение о мошенничестве в своем кредитном отчете в одной из общенациональных кредитных компаний, эта компания должна уведомить другие.

    Существует два основных типа предупреждений о мошенничестве: начальные предупреждения о мошенничестве и расширенные предупреждения. Военнослужащим доступна дополнительная опция — предупреждение для лиц на действительной военной службе, которое обеспечивают защиту военнослужащих, пока они находятся на действительной службе.

    Подробнее (на английском языке).


    Мошенничество со стороны фидуциариев (Fraud by fiduciaries)

    Фидуциарий — это лицо, которое управляет деньгами или имуществом кого-то другого. Например, агенты, действующие по доверенности, и назначенные судом опекуны являются фидуциариями.

    Когда вас назначают фидуциарием, по закону вы обязаны управлять деньгами и имуществом человека в его или ее интересах, а не в ваших интересах. Когда фидуциарий тратит деньги в своих интересах, это может являться мошенничеством.

    Хищение личных данных (Identity theft)

    Хищение личных данных происходит, когда кто-то крадет ваши личные данные для совершения мошенничества.

    Кража ваших личных данных может означать использование личной информации без вашего разрешения, такой как ваше имя и фамилия, номер социального обеспечения, информация о банковском счете или номер кредитной карты. Федеральная торговая комиссия (Federal Trade Commission) предлагает информацию о предотвращении хищения личных данных и реагировании на нее.

    Мошенничество самозванцев (Imposter scams)

    Мошенники-самозванцы пытаются убедить вас отправить деньги, выдавая себя за человека, которого вы знаете или которому доверяете, например, за шерифа, сотрудника местного, штатного или федерального правительства или благотворительной организации. Помните, что идентификатор вызывающего абонента может быть поддельным. Вы всегда можете позвонить в организацию или государственное учреждение и спросить, работает ли у них этот человек, прежде чем давать какие-либо деньги.

    Мошенничество с использованием почты (Mail fraud)

    Письма при мошенничестве с использованием почты выглядят настоящими, но содержащиеся в них обещания являются ложными. Типичный настораживающий признак — это письмо с просьбой отправить деньги или личную информацию сейчас, чтобы получить что-то ценное после того, как вы отправите деньги или информацию.


    Фишинг (Phishing)

    При фишинге мошенник выдает себя за компанию или человека, чтобы обманом заставить вас сообщить свои личные данные, например пароли, номера кредитных карт или информацию о банковских счетах. Мошенник может использовать фальсифицированные электронные письма, текстовые сообщения или веб-сайты, чтобы украсть у вас эту информацию. Эти электронные письма могут выглядеть подлинными.


    «Замораживание кредита» для предотвращения мошенничества (Security freeze for prevention)

    «Замораживание кредита» не позволяет новым кредиторам получить доступ к вашему кредитному досье, а другим лицам не позволяет открывать на ваше имя счета, требующие проверки кредитоспособности, до тех пор, пока вы не отмените замораживание.

    Поскольку большинство бизнесов не откроют кредитные счета без проверки вашего кредитного отчета, замораживание может помешать похитителям личных данных открыть новые счета на ваше имя. Имейте в виду, что замораживание кредита не помешает похитителям личных данных завладеть существующими счетами.

    Подробнее (на английском языке).



    Спуфинг (Spoofing)

    Спуфинг происходит, когда вызывающий абонент маскирует информацию, отображаемую в вашем идентификаторе вызывающего абонента. Это дает звонящему возможность замаскировать или «подделать» имя и/или номер телефона, чтобы это выглядело так, как будто он звонит как определенный человек из определенного места.



    Мошенничество с электронными или денежными переводами (Wire or money transfer fraud)

    Некоторые мошенники обманом заставляют вас пересылать или переводить деньги, чтобы их у вас украсть. Одним из распространенных примеров мошенничества с электронными переводами денег является «мошенничество с бабушкой и дедушкой». Это происходит, когда мошенник, выдающий себя за внука или друга внука, звонит и говорит, что находится в чужой стране или в какой-то опасной ситуации, и ему нужно немедленно перевести или отправить деньги.

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    Как избежать лишения права выкупа

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    Самое важное, что вы можете сделать, когда у вас возникают проблемы с выплатой ипотечного кредита, — это взять ситуацию под контроль. В большинстве случаев худшее из того, что вы можете сделать, это ничего не делать. Взять ситуацию под контроль означает предпринять четыре шага:

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    1. Позвоните о помощи или отвечайте на звонки с предложением помощи

    Взять ситуацию под свой контроль, отвечая на звонки вашего сервисного агента по ипотеке. Еще лучше позвонить своему сервисному агенту по ипотеке, как только вы узнаете, что не можете внести свой ежемесячный платеж. Номер телефона указан в ежемесячном счете. Сообщите своему сервисному агенту, почему вы не можете внести свой ежемесячный платеж, и попросите его помочь избежать лишения права выкупа.

    2. Обратитесь за бесплатной помощью к специалисту

    Ваш сервисный агент может помочь, если у вас возникнут проблемы с платежами по кредиту. Если вы не можете получить то, что вам нужно, от сервисного агента, обратитесь за помощью к специалисту в консультационные агентства по жилищным вопросам рядом с вами. Консультанты могут разработать индивидуальный план действий и помочь вам работать с вашей ипотечной компанией. Посетите веб-сайт consumerfinance.gov/mortgagehelp (читать на английском) или позвоните по телефону (800)-569-4287 и введите свой почтовый индекс, чтобы найти консультанта по жилищным вопросам, одобренного HUD (Министерством жилищного строительства и городского развития США).

    3. Разоблачайте мошенников

    Мошенники пытаются использовать в своих интересах домовладельцев, попавших в беду, беря с них большие деньги — даже тысячи долларов — за ложные обещания помощи. Вы не должны платить никому за то, чтобы помочь вам избежать лишения права выкупа. Помощь, в которой вы нуждаетесь, может быть предоставлена бесплатно вашим сервисным агентом или консультационным агентством по вопросам жилья, одобренным HUD.

    4. Подайте заявление на помощь

    Ваш сервисный агент кредита должен связаться с вами, предоставить вам точную информацию и сообщить вам о вариантах уменьшения убытков, на которые вы можете иметь право. Уменьшение убытков относится к способам, с помощью которых ваш сервисный агент может работать с вами, чтобы избежать лишения права выкупа. Если вы отправите заполненное заявление своему сервисному агенту ипотеки достаточно рано, ваш сервисный агент ипотеки должен будет сообщить вам о вариантах, которые у вас есть, чтобы сохранить свой дом или, если это более целесообразно, покинуть свой дом.

    Жилищные консультанты имеют большой опыт оказания помощи людям для предотвращения лишения права выкупа. Они могут помочь вам со сложными шагами, чтобы понять ваши варианты и обратиться за помощью.

    Ваш сервисный агент по ипотеке не может направить первое уведомление или подать заявление о лишении права выкупа,пока вы не задержите свои платежи более чем на 120 дней. Кроме того, когда вы подаете полное заявление на получение ипотечной помощи достаточно рано, сервисный агент по ипотеке не может начать процесс лишения права выкупа, пока вас оценивают или если вы выполняете требования по модификации кредита. Поэтому делайте это без промедления. Чем раньше вы заполните заявление, тем больше защиты вы получите.

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    Как распознать мошенничество, связанное с лишением права выкупа

    Мошенники в области лишения права выкупа могут обещать вам спасти ваш дом от лишения права выкупа, хотя на самом деле они просто забирают ваши деньги.

    Обратите внимание на следующие настораживающие признаки мошенничества:

    • Вас просят предварительно заплатить за помощь.
    • Компания гарантирует, что условия вашей ипотеки будут изменены.
    • Компания гарантирует, что вы не потеряете свой дом.
    • Вас просят передать право собственности на ваш дом или подписать другие документы, содержание которых вы не понимаете.
    • Вам предлагают отправить платеж кому-то другому, а не вашей ипотечной компании или сервисному агенту.
    • Компания предлагает выполнить «судебно-бухгалтерскую экспертизу».
    • Вам предлагают прекратить платежи по ипотеке.

    Компания утверждает, что она связана с правительством, или использует логотип, который выглядит как государственная печать, но с незначительными отличиями.

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    Подайте жалобу на финансовый продукт или услугу

    Каждую неделю мы отправляем компаниям для ответа более 10 000 жалоб на финансовые продукты и услуги. Если другое агентство сможет оказать более эффективную помощь, мы отправим вашу заявку им и сообщим вам. Большинство компаний отвечают в течение 15 дней.

    • Онлайн (Читать на английском)
    • Или позвоните по телефону (855) 411-2372 для получения помощи на английском, и 180 других языках. Время ожидания ответа обычно составляет менее 1 минуты. Ваша жалоба будет переведена на английский язык и отправлена компании для ответа. Когда компания отвечает, она обычно делает это на английском языке, но вы можете позвонить нам, чтобы услышать перевод ответа.
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    Как можно восстановить свой кредитный рейтинг

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    Если вы столкнулись с финансовыми проблемами - ваша кредитная история может пострадать от этого. Восстановление ее займет определенное время. Для достижения этой цели нет никаких кратких или секретных путей.

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    Нижеуказанные действия могут помочь вам в этом вопросе

    1. Всегда вовремя оплачивайте свои счета

    "Вовремя" обозначает то, что оплата должна дойти до компании до той даты, когда счет должен быть оплачен. Если вы предоставляете оплату по почте - отправьте ее почтой за несколько дней до даты оплаты.

    2. Не приближайтесь к максимальной сумме своего кредитного лимита

    Кредитные рейтинги учитывают то, насколько близко вы приближаетесь к максимальной сумме, которую вы можете истратить по кредитным карточкам. Если вы используете слишком большую часть своего кредитного лимита - это может отрицательно сказаться на вашем кредитном рейтинге. Некоторые эксперты советуют использовать не более 30 процентов от общей суммы кредитного лимита. Другие эксперты говорят, что необходимо использовать не более 10 процентов.

    3. Не подавайте слишком много заявлений по получение кредитов в течение короткого отрезка времени

    Ваш кредитный рейтинг может стать ниже в том случае, если в течение короткого отрезка времени вы подадите много заявлений или откроете много новых счетов. В число таких действий входит получение новой карточки, чтобы можно было перечислить туда балансы долгов, или открытие новой магазинной карточки, чтобы получить скидку.

    4. Если вы не соответствуете требованиям на получение обычной кредитной карточки - попробуйте использовать карточку с обеспечением

    Многие банки и кредитные союзы предлагают кредитные карточки с обеспечением. В большинстве случаев ваша кредитная линия по таким карточкам начнется с небольшой суммы. Вам нужно будет внести на свой счет в качестве депозита сумму, равную вашему лимиту кредитования.

    Со временем, когда вы продемонстрируете свою способность вовремя вносить оплату, ваш лимит кредитования может быть увеличен и, возможно, вам возвратят депозит. Оплата за обслуживание и процентная ставка для карточек с обеспечением могут быть высокими, однако использование таких карточек может помочь вам создать свою кредитную историю.

    5. Если вы используете кредитную карточку для оплаты за товары или услуги - каждый месяц оплачивайте свой баланс по такой карточке

    Кредитный рейтинг можно повысить при помощи кредитной карточки, если каждый раз вовремя оплачивать ее. Чтобы не платить издержки за финансирование - каждый месяц полностью оплачивайте свой баланс. Если вы будете каждый месяц полностью оплачивать свой баланс, вы также сможете улучшить свой кредитный рейтинг быстрее, чем при переносе баланса на следующий месяц потому, что так вам будет легче избегать приближения к своему лимиту кредитования.

    6. Продолжайте действовать в том же духе

    Кредитный рейтинг зависит от вашего общего поведения в отношении оплаты своих счетов, т.е. с течением времени. Чем дольше у вас существует кредит и вы вовремя оплачиваете его - тем больше существует информации, которая подтверждает вашу хорошую кредитоспособность.

    7. Проверяйте свои кредитные отчеты и сразу же исправляйте ошибки

    В вашем кредитном отчете показывается ваше поведение в отношении кредитов и заимствования.

    Один раз в 12 месяцев на сайте annualcreditreport.com вы имеете право бесплатно получить отпечатанную копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй. Equifax дополнительно предлагает шесть бесплатных кредитных отчетов каждые 12 месяцев до 31 декабря 2026 года. При посещении сайта возможно вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в своем рейтинге кредитоспособности.

    Вы также, возможно, обнаружите неправильную информацию, которая негативно влияет на ваш рейтинг. Если такая информация будет обнаружена - подайте заявление на обжалование ее в бюро кредитных историй и в компанию, которая была источником такой информации.

    Сколько времени обычно сохраняется негативная информация в кредитном отчете?

    Опоздание с оплатой: 7 лет

    Банкротство на основании главы 13: 7 лет

    Банкротство на основании главы 7: 10 лет

    Переход заложенного имущества в собственность залогодержателя: 7 лет

    Судебные процедуры и судебные решения: 7 лет или дольше

    В целом, негативная информация, которая была предоставлена недавно, оказывает большее влияние на ваш кредитный рейтинг, чем более старая информация.

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    Нижеуказанные действия не помогают вам восстанавливать свой кредитный рейтинг

    1. Использование дебетовой карточки или оплата наличными. Такие операции не помогают вам доказывать то, что вы можете погашать свою задолженность.
    2. Использование предоплаченных карточек. Предоплаченная карточка-это ваши собственные деньги, которые были заранее помещены на такую карточку.
    3. Получение ссуды под залог будущей зарплаты. Даже своевременное выполнение оплат может не оказаться полезным для улучшения вашего кредитного рейтинга.
    4. Получение кредита на покупку автомобиля у такого дилера, где оплату за кредит необходимо предоставлять самому дилеру за исключением тех случаев, когда дилер в письменном виде обещает сообщать о ваших своевременных платежах.
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    Mortgages key terms (in Russian)
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    Основные термины ипотеки

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    Ипотека с регулируемой процентной ставкой 5/1 (5/1 Adjustable Rate Mortgage)

    Ипотека с регулируемой процентной ставкой 5/1 (ARM) или 5-летняя ARM — это ипотечный кредит, где «5» — это количество лет, в течение которых ваша первоначальная процентная ставка будет оставаться фиксированной. «1» показывает, как часто ваша процентная ставка будет корректироваться после окончания первоначального пятилетнего периода. Наиболее распространенными фиксированными периодами являются 3, 5, 7 и 10 лет, а «1» — наиболее распространенный период регулирования ставки. Важно внимательно прочитать контракт и задать вопросы, если вы рассматриваете возможность использования ARM.

    Узнайте больше об изменении регулируемых процентных ставок.



    Правило платежеспособности (Ability-to-repay rule)

    Правило платежеспособности — это разумное и добросовестное определение, которое большинство ипотечных кредиторов должны сделать о том, способны ли вы погасить кредит.

    Подробнее (на английском языке)


    Ипотека с регулируемой процентной ставкой (Adjustable Rate Mortgage - ARM)

    Ипотека с регулируемой процентной ставкой (ARM) — это тип кредита, процентная ставка по которому может меняться, обычно в зависимости от индексной процентной ставки. Ваш ежемесячный платеж будет увеличиваться или уменьшаться в зависимости от первоначального периода кредита, верхних пределов процентных ставок и индексной процентной ставки. При ARM процентная ставка и ежемесячный платеж могут начаться ниже, чем для ипотеки с фиксированной процентной ставкой, но как процентная ставка, так и ежемесячный платеж могут существенно возрасти.

    Узнайте больше о том, как работают ARM и что следует учитывать.



    Амортизация (Amortization)

    Амортизация означает погашение кредита регулярными платежами с течением времени, так что сумма, которую вы должны, уменьшается с каждым платежом. Большинство кредитов на покупку жилья амортизируются, но некоторые ипотечные кредиты амортизируются не полностью, а это означает, что вы все равно должны деньги после внесения всех платежей.

    Некоторые кредиты на покупку жилья допускают платежи, которые покрывают только сумму причитающихся процентов или сумму меньше, чем причитающиеся проценты. Если платежи меньше суммы процентов, причитающихся каждый месяц, остаток по ипотеке будет расти, а не уменьшаться. Это называется отрицательной амортизацией. Другие кредитные программы, которые не полностью амортизируются в течение срока кредита, могут потребовать большой единовременной выплаты в конце срока кредита. Убедитесь, что вы знаете, какой тип кредита вы берете.

    Дополнительная информация о процессе покупки дома.



    Сумма финансирования (Amount financed)

    Это означает сумму денег, которую вы занимаете у кредитора, за вычетом большей части авансовых платежей, которые кредитор взимает с вас.

    Подробнее (на английском языке)


    Годовой доход (Annual income)

    Годовой доход является одним из факторов при подаче заявки на ипотечный кредит и обычно означает ваш общий заработанный доход за год до вычета налогов. Годовой доход может включать доход от работы на полный или неполный рабочий день, самозанятость, чаевые, комиссионные, сверхурочные, бонусы или другие источники. Кредитор будет использовать информацию о вашем годовом доходе и ваших существующих ежемесячных задолженностях, чтобы определить, есть ли у вас возможность погасить кредит.

    Будет ли кредитор полагаться на конкретный источник дохода или размер дохода при рассмотрении вашей кандидатуры на получение кредита, часто зависит от того, можете ли вы обоснованно ожидать, что доход будет продолжаться.

    Узнайте больше о том, почему ваша платежеспособность важна для кредиторов.



    Годовая процентная ставка (Annual Percentage Rate - APR)

    Годовая процентная ставка (APR) является более широкой мерой стоимости заимствования денег, чем процентная ставка. Годовая процентная ставка отражает процентную ставку, любые дополнительные комиссионные сборы по ипотечному кредиту, сборы ипотечного брокера и другие сборы, которые вы платите, чтобы получить кредит. По этой причине ваша APR обычно выше, чем ваша процентная ставка.

    Узнайте, как сравнивать APR



    Плата за оценку стоимости недвижимости (Appraisal fee)

    Плата за оценку стоимости недвижимости — это расходы на оценку дома, который вы планируете купить или которым уже владеете. Оценка стоимости дома обеспечивает независимую оценку стоимости имущества. В большинстве случаев выбор оценщика и любые связанные с этим расходы зависят от вашего кредитора.

    Дополнительная информация о процессе покупки дома.



    Автоматическое дебетование (Automatic payment)

    Автоматические платежи позволяют установить повторяющиеся платежи по ипотеке через ваш банк. Автоматические платежи могут быть удобным способом обеспечить своевременные платежи.



    Шаровой ипотечный кредит (Balloon loan)

    Для ипотечных кредитов шаровой ипотечный кредит означает больше, чем обычно кредит, единовременный платеж, как правило, в конце срока кредита. Этот единовременный платеж называется «шаровым платежом», и он больше, чем другие ваши платежи, а иногда и намного больше. Если вы не можете заплатить сумму шарового платежа, вам, возможно, придется провести рефинансирование, продать свой дом или столкнуться с потерей права выкупа.

    Узнайте, почему шаровые кредиты могут быть рискованными.


    Двухнедельный платеж (Bi-weekly payment)

    При плане двухнедельных платежей сервисный агент ипотеки собирает половину вашего ежемесячного платежа каждые две недели, что приводит к 26 платежам в течение года (в целом один дополнительный месячный платеж в год). Внося дополнительные платежи и относя платежи к основной сумме кредита, вы можете погасить кредит досрочно. Прежде чем выбрать двухнедельный платеж, обязательно ознакомьтесь с условиями кредита, чтобы узнать, не будет ли в таком случае применяться штраф за досрочное погашение кредита. Проверьте, не взимает ли ваш сервисный агент какие-либо сборы за план двухнедельных платежей. Вы можете достичь той же цели без уплаты сборов, внося дополнительный ежемесячный платеж по ипотеке каждый год.



    Раскрытие информации о закрытии сделки (Closing Disclosure)

    Раскрытие информации о закрытии сделки — это обязательная пятистраничная форма, в которой содержится окончательная подробная информация о выбранном вами ипотечном кредите. Эта форма включает в себя условия кредита, ваши прогнозируемые ежемесячные платежи, а также сумму, которую вы будете платить в виде сборов и других расходов, чтобы получить ипотечный кредит.

    Узнайте, как дополнительно проверить правильность всех сведений о вашем кредите в раскрытии информации о закрытии сделки.



    Кредит на строительство (Construction loan)

    Кредит на строительство обычно представляет собой краткосрочный кредит, который предоставляет средства для покрытия расходов на строительство или восстановление дома.

    Подробнее (на английском языке)



    Стандартный кредит (Conventional loan)

    Стандартный кредит — это любой ипотечный кредит, который не застрахован и не гарантирован государством (например, в рамках кредитных программ Федерального управления жилищного строительства (Federal Housing Administration), Администрации по делам ветеранов (Department of Veterans Affairs) или Департамента сельского хозяйства (Department of Agriculture)).

    Узнайте больше о стандартных кредитах и других типах кредитов.


    Со-поручитель или со-заемщикm (Co-signer or co-borrower)

    Со-поручитель или со-заемщик — это лицо, которое соглашается вместе с вами взять на себя полную ответственность по выплате ипотечного кредита. Этот человек обязан оплатить любые пропущенные платежи и даже полную сумму кредита, если вы не платите. В некоторых ипотечных программах со-поручителем считается лицо, не имеющее права собственности и не имеющее доли владения в заложенном доме. Наличие со-поручителя или со-заемщика по вашему ипотечному кредиту дает вашему кредитору дополнительную уверенность в том, что кредит будет погашен. Но кредитная история и финансы вашего со-поручителя или со-заемщика находятся под угрозой, если вы не погасите кредит.

    Дополнительная информация о процессе покупки дома.



    Кредитная история (Credit history)

    Кредитная история — это информация о ваших кредитных счетах и вашей истории своевременной оплаты, отраженная в вашем кредитном отчете. Компании, предоставляющие информации о кредитоспособности потребителей, также известные как компании кредитных историй, собирают и обновляют информацию о вашей кредитной истории и предоставляют ее другим компаниям, которые используют ее для принятия решений о вас. Кредитный отчет содержит информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов.

    Узнайте больше о проверке своей кредитной истории перед покупкой дома.



    Кредитный отчет (Credit report)

    Кредитный отчет — это выписка, содержащая информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов. Кредиторы используют ваш кредитный рейтинг и информацию в вашем кредитном отчете, чтобы определить, имеете ли вы право на получение кредита и какую процентную ставку вам предложить.

    Узнайте, как получить копию ваших кредитных отчетов.



    Кредитный рейтинг (Credit score)

    Кредитный рейтинг показывает, насколько велика вероятность того, что вы вовремя выплатите кредит. Компании используют математическую формулу, называемую рейтинговой моделью, для создания вашего кредитного рейтинга на основе информации в вашем кредитном отчете. Существуют разные рейтинговые модели, поэтому у вас нет только одного кредитного рейтинга. Ваш кредитный рейтинг зависит от вашей кредитной истории, типа кредитного продукта и даже дня, когда он был рассчитан.

    Узнайте где вы можете получить свой кредитный рейтинг.



    Коэффициент задолженности (Debt ratio)

    Ваше отношение задолженности к доходу — это все ваши ежемесячные платежи по задолженностям, разделенные на ваш валовой месячный доход. Это число является одним из способов, которым кредиторы измеряют вашу способность осуществлять ежемесячные платежи, чтобы выплатить деньги, которые вы планируете занять.

    Узнайте, как рассчитать отношение задолженности к доходу.



    Соглашение о передаче недвижимости во избежание процесса о потере права выкупа (Deed-in-lieu of foreclosure)

    Соглашение о передаче недвижимости во избежание процесса о потере права выкупа — это соглашение, при котором вы добровольно передаете право собственности на свой дом кредитору, чтобы избежать процесса о потере права выкупа. Соглашение о передаче недвижимости во избежание процесса о потере права выкупа может помочь вам избежать личной ответственности за любую оставшуюся сумму на ипотеке. Если вы живете в штате, в котором вы несете ответственность за любую недоимку, которая представляет собой разницу между стоимостью вашей недвижимости и суммой, которую вы все еще должны по ипотечному кредиту, вы можете попросить своего кредитора отказаться от недоимки. Если кредитор отказывается от недоимки, получите такой отказ в письменной форме и сохраните его для своих записей. Соглашение о передаче недвижимости во избежание процесса о потере права выкупа является одним из способов уменьшения потерь.



    Просроченный платеж (Delinquent)

    Просроченный платеж — это еще один термин, обозначающий задержку платежей. Ваш кредит может стать просроченным, если вы пропустите платеж или не сделаете полный платеж в установленный срок. После того, как вы просрочили платеж в течение определенного периода времени, кредитор или сервисный агент могут начать процесс потери права выкупа. Этот срок может варьироваться в зависимости от штата.

    Федеральные правила могут также применяться в отношении того, когда может начаться процесс потери права выкупа. Узнайте больше о возможных вариантах, если вы не можете выплатить ипотечный кредит.

    Если вы пострадали от эпидемии коронавируса

    Получите дополнительную информацию о возможностях облегчения ипотечного кредита.



    Положение о требовании досрочного погашения кредита (Demand feature)

    В раскрытие информации о закрытии сделки имеется заявление, которое гласит: «Ваш кредит имеет положение о требовании досрочного погашения кредита», которое отмечено как «да» или «нет». Положение о требовании досрочного погашения кредита позволяет кредитору требовать досрочное погашения кредита.

    Подробнее (на английском языке)  



    Первоначальный взнос (Down payment)

    Первоначальный взнос — это сумма, которую вы платите за дом авансом. Вы платите процент от стоимости дома, а остальную часть занимаете через ипотечный кредит. Как правило, чем больше первоначальный взнос, тем ниже процентная ставка, которую вы получите, и тем больше вероятность того, что вам утвердят кредит.

    Узнайте больше об определении первоначального взноса.



    Программы или гранты для первоначального взноса (Down payment programs or grants)

    Программа или грант для первоначального взноса обычно относится к помощи, предоставляемой такой организацией, как правительство или некоммерческое агентство, покупателю жилья, чтобы помочь ему с первоначальным взносом на покупку дома. Средства могут быть предоставлены в виде прямого гранта или могут требовать погашения, например, при продаже дома.

    Узнайте, где можно получить информацию о программах и грантах для первоначального взноса.  



    Задаток (Earnest money)

    Задаток — это депозит, который покупатель платит, чтобы продемонстрировать добросовестность подписанного контракта на покупку дома. Этот депозит удерживается продавцом или третьей стороной, такой как агент по недвижимости или компания по проверке права собственности на недвижимость. Если продажа дома завершена или «сделка закрыта», задаток может быть использован для расходов на закрытие сделки или первоначальный взнос. Если договор расторгнут по уважительной причине, задаток возвращается покупателю. Если покупатель действует недобросовестно, задаток может быть конфискован и выплачен продавцу.

    Дополнительная информация о процессе покупки дома.



    Собственный капитал домовладельца (Equity)

    Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость.

    Узнайте, что такое кредит под залог жилой недвижимости.



    Условное депонирование (Escrow)

    Счет условного депонирования создается вашим ипотечным кредитором для оплаты определенных расходов, связанных с недвижимостью, таких как налоги на недвижимость и страхование недвижимости. Часть вашего ежемесячного платежа поступает на этот счет. Если у вашей ипотеки нет счета условного депонирования, вы напрямую оплачиваете расходы, связанные с недвижимостью.

    Узнайте больше о том, как условное депонирование влияет на ваш ежемесячный платеж по ипотеке.



    Fannie Mae

    Федеральная национальная ипотечная ассоциация (Fannie Mae) покупает и гарантирует ипотечные кредиты у кредитных учреждений с целью повысить доступность кредитования. Fannie Mae не является федеральным агентством. Это спонсируемое государством предприятие, находящееся под управлением Федерального агентства жилищного финансирования (FHFA).

    Узнайте больше о стандартных кредитах.  



    Плата за финансирование FHA (FHA funding fee)

    Федеральное управление жилищного строительства (FHA) требует взимать плату за финансирование FHA и ежемесячный страховой взнос (MIP) для большинства своих программ для одной семьи. Этот авансовый взнос по ипотечному страхованию иногда называют авансовым взносом по ипотечному страхованию (UFMIP).

    Узнайте, подходит ли вам ипотека FHA.



    Кредит FHA (FHA loan)

    Кредиты FHA — это кредиты от частных кредиторов, которые регулируются и застрахованы Федеральным управлением жилищного строительства (FHA). Кредиты FHA отличаются от стандартных кредитов, потому что они допускают более низкий кредитный рейтинг и первоначальный взнос всего 3,5 процента от общей суммы кредита. Максимальная сумма кредита зависит от административного округа.

    Узнайте об этом и других вариантах ипотечного кредита.



    Лимиты ипотеки FHA (FHA mortgage limits)

    Лимиты ипотеки FHA — это лимиты суммы в долларах для соответствующих критериям ипотечных кредитов, которые FHA застрахует в рамках своей односемейной программы ипотечного кредитования. Эти лимиты зависят от местоположения и могут пересматриваться каждый год.

    Воспользуйтесь инструментом FHA для поиска кредитных лимитов на уровне административного округа .



    Стоимость всех элементов кредита (Finance charge)

    Стоимость всех элементов кредита — это общая сумма процентов и сборов по кредиту, которые вы будете платить в течение всего срока действия ипотечного кредита.

    Подробнее (на английском языке)



    Программы кредитования для лиц, впервые приобретающих недвижимость (First-time home buyers (FTHB) loan programs)

    Лица, впервые приобретающие недвижимость (FTHB), могут использовать различные типы кредитных программ для покупки своего первого дома. Популярные кредиты для FTHB включают программы, предлагаемые Федеральным управлением жилищного строительства (FHA), Администрацией по делам ветеранов (VA), Министерством сельского хозяйства США (USDA), Fannie Mae и Freddie Mac с низким первоначальным взносом. Некоторые программы определяют FTHB как человека, который не покупал дом в течение трех или более лет.

    Ознакомьтесь с вариантами кредита.



    Ипотека с фиксированной процентной ставкой (Fixed-rate mortgage)

    Ипотека с фиксированной процентной ставкой — это тип кредита на покупку жилья, для которого процентная ставка устанавливается при получении кредита и не меняется в течение срока кредита.

    Узнайте больше о том, как работает ипотека с фиксированной процентной ставкой и что следует учитывать.  



    Отказ от принудительного взыскания ипотечной кредитной задолженности (Forbearance)

    Отказ от принудительного взыскания ипотечной кредитной задолженности — это когда ваш сервисный агент позволяет вам временно платить по ипотечному кредиту по более низкой процентной ставке или временно приостановить выплату по ипотечному кредиту. Ваш сервисный агент может отказаться от принудительного взыскания ипотечной кредитной задолженности, если, например, вы недавно потеряли работу, пострадали от стихийного бедствия, болезни или травмы, которые увеличили ваши расходы на медицинское обслуживание. Отказ от принудительного взыскания ипотечной кредитной задолженности — это один из способов уменьшения потерь.

    Узнайте больше об отказе от принудительного взыскания ипотечной кредитной задолженности

    В зависимости от вида кредита возможны разные варианты отказа от принудительного взыскания ипотечной кредитной задолженности. Вы должны связаться с сервисным агентом кредита, чтобы запросить отказ от принудительного взыскания ипотечной кредитной задолженности. Помните, что вам придется компенсировать эти пропущенные или сокращенные платежи, когда ваш период отказа от принудительного взыскания ипотечной кредитной задолженности закончится.

    Если вы пострадали от эпидемии коронавируса

    Получите дополнительную информацию о возможностях облегчения ипотечного кредита.



    Принудительная страховка (Force-placed insurance)

    Ваш сервисный агент может потребовать принудительное страхование, если у вас нет собственного страхового полиса или если ваш собственный страховой полис не соответствует требованиям вашего сервисного агента. Принудительная страховка обычно защищает только кредитора, а не вас. Сервисный агент взимает с вас плату за такую страховку. Принудительная страховка обычно дороже, чем самостоятельно найденный страховой полис.



    Потеря права выкупа (Foreclosure)

    Потеря права выкупа – это ситуация, когда кредитор или сервисный агент забирает недвижимость после того, как домовладелец не в состоянии произвести платежи по ипотеке. В некоторых штатах кредитор должен обратиться в суд, чтобы лишить вас права выкупа недвижимости (судебный процесс потери права выкупа), но в других штатах судебный процесс не требуется (внесудебный процесс потери права выкупа). Как правило, заемщики должны быть уведомлены, если кредитор или сервисный агент начинает судебный процесс  потери права выкупа. Федеральные правила могут также применяться в отношении того, когда может начаться процесс  потери права выкупа.
    Если вас беспокоит потеря права выкупа, узнайте, как получить помощь.

    Если вы пострадали от эпидемии коронавируса

    Получите дополнительную информацию о возможностях облегчения ипотечного кредита.



    Freddie Mac

    Федеральная корпорация жилищного ипотечного кредита (Freddie Mac) является частной корпорацией, основанной Конгрессом. Ее миссия состоит в том, чтобы способствовать стабильности и доступности на рынке жилья путем приобретения ипотечных кредитов у банков и других кредиторов. В настоящее время эта корпорация находится под управлением Федерального агентства жилищного финансирования (FHFA).

    Узнайте больше о стандартных кредитах.



    Добросовестная оценка (Good Faith Estimate)

    Добросовестная оценка (GFE) — это форма, которую кредитор должен предоставить вам, когда вы подаете заявление на обратную ипотеку. GFE перечисляет основную информацию об условиях предлагаемого обратного ипотечного кредита.

    Узнайте, когда вы получите добросовестную оценку.  



    Государственные сборы за регистрацию (Government recording charges)

    Государственные сборы за регистрацию – это сборы, взимаемые штатными и местными правительствами за юридическую регистрацию вашего договора за печатью, ипотеки и документов, связанных с вашим кредитом на покупку жилья.

    Подробнее (на английском языке)



    Дорогой ипотечный кредит (Higher-priced mortgage loan)

    Как правило, дорогой ипотечный кредит — это кредит с годовой процентной ставкой, или APR, выше, чем базовая процентная ставка, называемая средней процентной ставкой базового предложения (Average Prime Offer Rate).

    Подробнее (на английском языке)

    Взносы в ассоциацию домовладельцев (HOA dues)

    Если вы заинтересованы в покупке кондоминиума, кооператива, помещения в жилом комплексе или другом организованном сообществе с общими услугами, вы обычно должны платить сборы за квартиру или взносы в ассоциацию домовладельцев (HOA). Эти сборы могут значительно различаться. Сборы за квартиру или взносы в HOA обычно оплачиваются отдельно от ежемесячного платежа по ипотеке. Если вы не заплатите эти сборы, вы можете столкнуться с попытками взыскания задолженности ассоциацией домовладельцев и даже с потерей права выкупа.

    Дополнительная информация о процессе покупки дома.



    Оценка стоимости дома (Home appraisal)

    Оценка стоимости дома – это письменный документ, содержащий информацию о стоимости недвижимости. Оценка стоимости дома дает вам полезную информацию о недвижимости. Она описывает, что делает дом ценным, и может показать, как он сравнивается с другими объектами недвижимости в данном жилом районе. Оценка стоимости дома является независимой оценкой стоимости недвижимости.

    Узнайте больше о том, почему оценки стоимости дома важны.



    Кредитная линия под залог жилой недвижимости (Home equity line of credit - HELOC)

    Кредитная линия под залог жилой недвижимости (HELOC) — это кредитная линия, которая позволяет вам брать кредит под залог собственного капитала домовладельца. Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость. В отличие от кредита под залог жилой недвижимости, HELOC обычно имеет регулируемые процентные ставки. Для большинства HELOC вы получите специальные чеки или кредитную карту, и вы сможете занимать деньги на определенное время с момента открытия своего счета. Этот период времени известен как «период взятия средств». В течение «периода взятия средств» вы можете занимать деньги, и вы должны вносить минимальные платежи. Когда «период взятия средств» закончится, вы больше не сможете занимать деньги со своей кредитной линии. После окончания «периода взятия средств» вам может потребоваться погасить весь баланс сразу или вам может быть разрешено погасить его в течение определенного периода времени. Если вы не можете погасить HELOC, кредитор может лишить вас права выкупа дома.



    Кредит под залог жилой недвижимости (Home equity loan)

    Кредит под залог жилой недвижимости (иногда называемый HEL) позволяет вам занимать деньги, используя в качестве залога стоимость вашей жилой недвижимости. Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость. Вы получаете деньги за счет кредита под залог жилой недвижимости в виде единоразового платежа. Кредит под залог жилой недвижимости обычно имеет фиксированную процентную ставку, которая не будет изменяться. Если вы не можете погасить кредит HEL, кредитор может лишить вас права выкупа дома.



    Инспекция дома (Home inspection)

    Инспекция дома часто является частью процесса покупки дома. Как правило, вы имеете право нанять жилищного инспектора для осмотра недвижимости и выявления ее сильных и слабых сторон. Это часто бывает особенно полезно для проверки конструкционных и механических систем дома, включая отопление, вентиляцию, кондиционирование воздуха и электричество.

    Узнайте, как запланировать инспекцию.



    Ассоциация домовладельцев (Homeowners’ Association - HOA)

    Ассоциация домовладельцев (HOA) обычно создается для управления общими расходами, такими как озеленение и другие расходы на содержание жилищного комплекса или другого организованного местного сообщества. HOA кондоминиума берут на себя больше обязанностей, включая, например, обслуживание подъездных дорог, общих строительных конструкций и крыш.

    Получите дополнительную информацию о том, как HOA может отображаться в декларации об ипотеке.



    Страхование недвижимости (Homeowner's insurance)

    Страхование недвижимости покрывает убытки и ущерб вашей недвижимости, если произойдет какое-либо непредвиденное событие, например пожар или кража со взломом. Когда у вас есть ипотечный кредит, ваш кредитор захочет убедиться, что ваша недвижимость защищена страховкой. Поэтому кредиторы обычно требуют доказательств того, что у вас есть страховка недвижимости. Страховка недвижимости отличается от ипотечного страхования.

    Дополнительная информация о процессе покупки дома.



    Цена покупки дома (Home purchase price)

    Цена покупки дома – это сумма, согласованная покупателем и продавцом, которая должна быть выплачена продавцу за покупку дома.

    Узнайте больше о том, как найти подходящий дом.



    HUD

    Министерство жилищного строительства и городского развития США (HUD) — это государственное учреждение, которое помогает людям приобретать и сохранять качественное доступное жилье. Оно обучает и спонсирует консультантов по жилищным вопросам по всей стране. Одобренное HUD консультационное агентство по жилищным вопросам, может предоставить вам консультацию для покупателя жилья, чтобы помочь вам понять и оценить ваши варианты.

    Найдите одобренное HUD консультационное агентство по жилищным вопросам.



    Акт о взаиморасчетах HUD-1 (HUD-1 settlement statement)

    В Акте о взаиморасчетах HUD-1 перечислены все сборы и кредиты покупателю и продавцу при сделке с недвижимостью или все сборы при рефинансировании ипотеки. Вы получаете HUD-1, если подаете заявление на обратную ипотеку или если вы подали заявление на ипотеку 3 октября 2015 года или ранее.

    Узнайте, когда вы получите HUD-1.



    Индекс (Index)

    Индекс представляет собой базовую процентную ставку, отражающую общие рыночные условия. Индекс меняется в зависимости от состояния рынка. Изменения индекса, а также маржа вашего кредита определяют изменения процентной ставки по ипотечному кредиту с регулируемой процентной ставкой.

    Узнайте, как индекс влияет на процентную ставку по ипотечному кредиту с регулируемой процентной ставкой.



    Верхний предел изменения начальной процентной ставки (Initial adjustment cap)

    Верхний предел изменения начальной процентной ставки обычно связан с ипотечными кредитами с регулируемой процентной ставкой (ARM). Этот верхний предел определяет, насколько процентная ставка может увеличиться при первом изменении после истечения периода фиксированной процентной ставки. Обычно этот верхний предел составляет два или пять процентов, что означает, что при первом изменении процентной ставки новая процентная ставка не может быть более чем на два (или пять) процентных пункта выше начальной процентной ставки в течение периода фиксированной процентной ставки.

    Узнайте, как индекс влияет на ипотечные кредиты с регулируемой процентной ставкой.



    Первоначальный депозит на счет условного депонирования (Initial escrow deposit)

    Первоначальный депозит на счет условного депонирования — это сумма, которую вы заплатите при закрытии сделки, чтобы открыть свой счет условного депонирования, если этого потребует ваш кредитор.

    Подробнее (на английском языке)



    Кредит с выплатой только процентов (Interest-only loan)

    Ипотечный кредит с выплатой только процентов — это кредит с плановыми платежами, по которому вы должны выплачивать только проценты в течение определенного периода времени.

    Подробнее (на английском языке)



    Процентная ставка (Interest rate)

    Процентная ставка по ипотечному кредиту – это выраженная в процентах стоимость, которую вы будете платить каждый год за пользование деньгами. Она не отражает комиссий или любых других сборов, которые вам, возможно, придется заплатить за кредит. Например, если ипотечный кредит составляет 100 000 долларов при процентной ставке 4 процента, этот потребитель согласился платить 4000 долларов каждый год, когда он или она берет взаймы или должен всю эту сумму.

    Изучите процентные ставки в вашем регионе.



    Верхний предел процентной ставки (Interest rate cap)

    Верхний предел процентной ставки, иногда называемый годовым пределом, представляет собой максимальное увеличение процентной ставки, которое может происходить ежегодно для ипотеки с регулируемой процентной ставкой (ARM), даже если ставка увеличилась бы больше при рыночных процентных ставках. Например, если этот верхний предел процентной ставки составляет два процента, новая ставка не может превышать предыдущую более чем на два процентных пункта.

    Узнайте, как кредиторы используют индекс и маржу для регулировки вашей процентной ставки.



    Большой кредит (Jumbo loan)

    Каждый год Fannie Mae, Freddie Mac и их регулирующий орган, Федеральное агентство жилищного финансирования (FHFA), устанавливают максимальную сумму кредита, который они будут покупать у кредиторов.

    Подробнее (на английском языке)



    Страхование правового титула кредитора (Lenders title insurance)

    Страхование правового титула кредитора защищает вашего кредитора от проблем с правом собственности на вашу недвижимость, например, от судебного иска какого-либо лица в отношении дома. Страхование правового титула кредитора защищает только кредитора от проблем с правовым титулом. Чтобы защитить себя, вы можете приобрести страхование правового титула владельца.

    Подробнее (на английском языке)



    Верхний предел изменения процентной ставки в течение срока кредита (Lifetime adjustment cap)

    Верхний предел изменения процентной ставки в течение срока кредита обычно используется с ипотечными кредитами с регулируемой процентной ставкой (ARM). Этот верхний предел определяет, насколько может увеличиться процентная ставка в целом за весь срок кредита. Например, если этот верхний предел составляет пять процентов, это означает, что процентная ставка никогда не будет на пять процентных пунктов выше первоначальной процентной ставки. У некоторых кредиторов этот верхний предел может быть другим или более высоким.

    Узнайте, как индекс влияет на ипотечные кредиты с регулируемой процентной ставкой.



    Принятие на себя обязательств по ипотечному кредиту (Loan assumption)

    Принятие на себя обязательств по ипотечному кредиту происходит, когда покупатель жилья берет на себя обязательства по ипотеке продавца. Покупателю переходит остаток задолженности по ипотечному кредиту продавца на первоначальных условиях кредитования, например таких, как процентная ставка и оставшийся срок ипотеки. Принятие на себя обязательств по ипотечному кредиту имеет финансовый смысл в тех случаях, когда новые ипотечные кредиты предлагаются по более высоким процентным ставкам, чем при первоначальном получении ипотеки продавцом.

    Разница между ценой продажи дома и остатком по ипотечному кредиту продавца определяет сумму, которую покупатель должен будет выплатить, либо из своего кармана, либо взяв собственный ипотечный кредит.

    Чтобы принять на себя обязательства по ипотечному кредиту продавца, покупатель жилья должен соответствовать определенным критериям. Оценка соответствия обычно основывается на проверки кредитоспособности и доходов покупателя, как и в случае получения нового ипотечного кредита.

    Принятие на себя обязательств по ипотечному кредиту также может быть актуально, когда вы получаете право собственности на недвижимость с непогашенным ипотечным кредитом, например, после смерти бывшего владельца или развода.



    Отсрочка платежей по кредиту (Loan deferment)

    Как правило, заемщики, испытывающие трудности с выплатами по ипотечному кредиту, имеют право обратиться за помощью в финансовое учреждение, обслуживающее ипотеку. Финансовое учреждение, обслуживающее ипотеку, может согласиться на отсрочку платежей по кредиту, что позволяет заемщику избежать лишение права выкупа заложенного имущества за счет отсрочки просроченных платежей по ипотеке. Отсроченная сумма выплачивается, когда заемщик рефинансирует кредит или продаст дом, или ипотека будет прекращена каким-либо иным способом.



    Оценка кредита (Loan estimate)

    Оценка кредита — это трехстраничная форма, которую вы получаете после подачи заявления на ипотечный кредит.

    Подробнее (на английском языке)



    Изменение условий кредитования (Loan modification)

    Изменение условий ипотечного кредитования — это изменение условий вашего кредита. Изменение условий ипотечного кредитования является одним из способов уменьшения потерь. Изменение условий кредитования может уменьшить ваш ежемесячный платеж до суммы, которую вы можете себе позволить. Изменения условий кредитования могут включать увеличение количества лет, в течение которых вы должны погасить кредит, снижение процентной ставки и/или отсрочку или уменьшение остатка основной суммы кредита. Если вам предлагают изменение условий кредита, убедитесь, что вы знаете, как это изменит ваши ежемесячные платежи и общую сумму, которую вы будете должны в краткосрочной и долгосрочной перспективе.

    Подробнее об изменении условий ипотечного кредита

    Если вы пострадали от эпидемии коронавируса

    Получите дополнительную информацию о возможностях облегчения ипотечного кредита.



    Отношение кредита к стоимости (Loan-to-value ratio)

    Отношение кредита к стоимости (LTV) — это показатель, сравнивающий сумму вашего ипотечного кредита с оценочной стоимостью недвижимости. Чем больше ваш первоначальный взнос, тем меньше отношение LTV. Ипотечные кредиторы могут использовать LTV при принятии решения о том, предоставлять ли вам кредит, и определить, потребуется ли им частное ипотечное страхование.

    Узнайте как отношение вашего кредита к стоимости зависит от ваших затрат.



    Уменьшение потерь (Loss mitigation)

    Уменьшение потерь относится к шагам, которые ипотечные сервисные агенты предпринимают для работы с ипотечным заемщиком, чтобы избежать потери права выкупа. Уменьшение потерь относится к ответственности сервисного агента по уменьшению или «смягчению» убытков инвестора, которые могут возникнуть в результате потери права выкупа. Некоторые варианты уменьшения потерь могут помочь вам сохранить свой дом. Другие варианты могут помочь вам избавиться от своего дома без процесса о потере права выкупа. Варианты уменьшения потерь могут включать соглашение о передаче недвижимости во избежание процесса о потере права выкупа, отказ от принудительного взыскания ипотечной кредитной задолженности, план погашения задолженности, продажа недвижимости за цену, которая не покрывает задолженности по ипотеке или изменение условий кредитования.

    Если у вас возникли проблемы с выплатой ипотечных платежей, или если вам предложили и вы рассматриваете различные варианты уменьшения потерь, обратитесь в консультационное агентство по жилищным вопросам, одобренное Департаментом жилищного строительства и городского развития (HUD).

    Вы можете использовать инструмент Бюро по защите прав потребителей финансовых услуг (CFPB) «Find a Counselor» (Найти консультанта), чтобы получить список консультационных агентств по вопросам жилья в вашем районе, одобренных HUD. Вы также можете позвонить на горячую линию HOPE™, которая работает круглосуточно, без выходных, по телефону (888) 995-HOPE (4673).

    Если вы пострадали от эпидемии коронавируса

    Получите дополнительную информацию о возможностях облегчения ипотечного кредита.  



    Маржа (Margin)

    Маржа — это количество процентных пунктов, добавляемых к индексу ипотечным кредитором для установления вашей процентной ставки по ипотеке с регулируемой ставкой (ARM) после окончания периода первоначальной ставки. Маржа устанавливается в вашем кредитном договоре и не изменяется после закрытия сделки. Размер маржи зависит от конкретного кредитора и кредита.

    Узнайте, как маржа влияет на ипотечные кредиты с регулируемой процентной ставкой.



    Ежемесячные расходы (Monthly expenses)

    Это сумма, которую вы тратите каждый месяц. Она может включать, помимо прочего, длящиеся обязательства, такие как оплата аренды или ипотеки, коммунальные услуги, оплата автомобиля, выплаты алиментов и страховые выплаты, а также предметы первой необходимости, такие как продукты питания. Большинство этих обязательств имеют фиксированную дату уплаты.

    Оцените свои ежемесячные расходы с помощью этого калькулятора расходов.



    Ипотека (Mortgage)

    Ипотека — это соглашение между вами и кредитором, которое позволяет вам занимать деньги для покупки или рефинансирования дома и дает кредитору право забрать вашу собственность, если вы не выплатите взятые взаймы деньги.

    Если вы готовы взять ипотечный кредит, узнайте больше о покупке дома.



    Контрольный список закрытия сделки по ипотеке (Mortgage closing checklist)

    Контрольный список закрытия сделки по ипотеке — это список шагов, которые вы можете использовать, чтобы подготовиться и узнать, чего ожидать. Это может помочь вам определить основные вопросы, которые нужно задать заранее, чтобы вы могли с уверенностью закрыть сделку.

    Используйте этот рабочий лист для подготовки к закрытию сделки.



    Расходы на закрытие сделки по ипотеке (Mortgage closing costs)

    Расходы на закрытие сделки по ипотеке — это все расходы, которые вы будете платить при закрытии сделки по ипотеке. Они включает в себя сборы за инициирование кредита, плату за оценку стоимости недвижимости, расходы на отчет о кредитоспособности, сборы за страхование правового титула и любые другие сборы, требуемые вашим кредитором или оплачиваемые в рамках сделки по ипотеке с недвижимостью. Кредиторы должны предоставить вам сводную информацию об этих расходах в документе Оценка кредита (Loan Estimate).

    Узнайте больше о том, что происходит при закрытии сделки.



    Ипотечное страхование (Mortgage insurance)

    Ипотечное страхование защищает кредитора, если вы просрочили свои платежи. Ипотечное страхование обычно требуется, если ваш первоначальный взнос составляет менее 20 процентов от стоимости недвижимости. Ипотечное страхование также обычно требуется для кредитов FHA и USDA. Однако, если у вас есть стандартный кредит и ваш первоначальный взнос составляет менее 20 процентов, у вас, скорее всего, будет частное ипотечное страхование (PMI).

    Поймите, как работает ипотечное страхование



    Изменение условий ипотечного кредитования (Mortgage loan modification)

    Изменение условий ипотечного кредитования — это изменение условий вашего кредита. Изменение условий ипотечного кредитования является одним из способов уменьшения потерь.

    Подробнее (на английском языке)



    Рефинансирование ипотеки (Mortgage refinance)

    Рефинансирование ипотеки — это ситуация, когда вы берете новый кредит, чтобы погасить и заменить старый кредит. Распространенными причинами рефинансирования являются снижение ежемесячной процентной ставки, уменьшение платежа по ипотечному кредиту или заем дополнительных денег. Когда вы рефинансируете кредит, вы, как правило, должны оплатить расходы на закрытие сделки и сборы. Если вы рефинансируете кредит и получаете более низкий ежемесячный платеж, убедитесь, что вы понимаете, какая часть сокращения связана с более низкой процентной ставкой, а какая — с увеличением срока кредита.

    Должен ли я рефинансировать кредит?

    Руководство для потребителей по рефинансированию ипотеки 

    Инструментарий по кредиту на покупку жилья 

    Справочник потребителя по ипотечным кредитам с регулируемой процентной ставкой



    Срок ипотеки (Mortgage term)

    Срок ипотечного кредита – это срок, в течение которого вы должны погасить кредит. Для большинства типов недвижимости сроки ипотеки обычно составляют 15, 20 или 30 лет.

    Изучите варианты сроков кредита.



    Сборы за инициирование кредита (Origination Fee)

    Сборы за инициирование кредита — это то, что кредитор взимает с заемщика за предоставление ипотечного кредита. Сборы за инициирование кредита могут включать обработку заявления, андеррайтинг, финансирование кредита, а также другие административные услуги. Сборы за инициирование кредита обычно могут увеличиваться только при определенных обстоятельствах.

    Узнайте больше о расходах на инициирование ипотеки.



    Страхование правового титула владельца (Owner's title insurance)

    Страхование правового титула владельца обеспечивает защиту домовладельца в том случае, если кто-то предъявляет иск и заявляет, что у него есть претензии к дому до того, как домовладелец купил его.

    Подробнее (на английском языке)



    Программа финансирования PACE (PACE financing)

    Программа финансирования внедрения чистых технологий PACE позволяет финансировать повышение энергоэффективности дома.

    Подробнее (на английском языке)



    Частичное требование (Partial claim)

    Частичное требование — это использование ипотечного страхования для того, чтобы помочь домовладельцу, оказавшемуся в тяжелой финансовой ситуации, избежать лишение права выкупа заложенного имущества. Финансовое учреждение, обслуживающее ипотеку, предъявляет требование ипотечному страховщику на сумму всех пропущенных ипотечных платежей, и страховщик откладывает эти деньги на отдельный счет. Затем, когда заемщик рефинансирует ипотеку, продаст дом или иным образом прекратит ипотеку, сумма частичного требования выплачивается финансовому учреждению, обслуживающему ипотеку. Иногда сумма частичного требования не покрывает всей суммы пропущенных платежей, и в таких случаях заемщик должен выплатить разницу.



    Сумма выплаты (Payoff amount)

    Сумма выплаты – это то, сколько вам фактически придется заплатить, чтобы выполнить условия ипотечного кредита и полностью погасить свою задолженность. Сумма выплаты отличается от вашего текущего баланса. Ваш текущий баланс может не отражать, сколько вам на самом деле нужно заплатить, чтобы полностью погасить кредит. Ваша сумма выплаты также включает в себя выплату любых процентов, которые вы должны до дня, когда вы намерены погасить свой кредит. Сумма выплаты может также включать в себя другие сборы, которые вы понесли, но еще не заплатили.



    Приказы о переводе на новое постоянное место службы (PCS orders)

    Военнослужащим, находящимся на действительной военной службе, могут быть отданы приказы о переводе на новое постоянное место службы (PCS). Приказы PCS – это официальное перемещение военнослужащего (и всех членов семьи, проживающих с ним) на другое место службы. Если военнослужащий владеет домом, он может продать его. Если военнослужащий должен за дом больше, чем дом стоит, у него могут возникнуть проблемы с продажей дома. Некоторые сервисные агенты предлагают программы, позволяющие военнослужащим продать свой дом и не выплачивать остаток кредита. Посетите веб-сайт ресурсы для военнослужащих для получения дополнительной информации.



    PITI

    Основная сумма кредита, проценты, налоги и страхование (Principal, Interest, Taxes, and Insurance), известные как PITI, являются четырьмя основными элементами ежемесячного платежа по ипотеке.

    Подробнее (на английском языке)



    PMI

    Частное ипотечное страхование (PMI) — это тип ипотечного страхования, который приносит пользу вашему кредитору. Вас могут обязать оплатить PMI, если ваш первоначальный взнос составляет менее 20 процентов от стоимости недвижимости и у вас имеется стандартный кредит. Вы можете отменить PMI, как только вы накопите определенную сумму собственного капитала своего дома.

    Узнайте больше о том, когда требуется PMI



    Заранее выплаченные проценты (Prepaid interest charges)

    Заранее выплаченные проценты — это сборы, подлежащие уплате при закрытии сделки для любых ежедневных процентов, которые начисляются на ваш кредит между датой закрытия вашего ипотечного кредита и периодом, покрываемым вашим первым ежемесячным платежом по ипотечному кредиту.

    Подробнее (на английском языке)



    Штраф за досрочное погашение кредита (Prepayment penalty)

    Штраф за досрочное погашение кредита — это плата, которую некоторые кредиторы взимают, если вы полностью или частично погашаете ипотечный кредит досрочно. Если у вас предусмотрен штраф за досрочное погашение кредита, вы согласились на это, когда закрывали сделку при покупке дома. Не все ипотечные кредиты предусматривают штраф за досрочное погашение кредита.



    Основная сумма кредита (Principal)

    Основная сумма ипотечного кредита, которую вы должны погасить. Ваш ежемесячный платеж включает в себя часть этой основной суммы кредита. При оплате основной суммы кредита заемщик должен меньше и будет платить меньше процентов в зависимости от меньшего размера кредита.

    Понимание разницы между процентной ставкой и основной суммой кредита.



    Налоги на недвижимость (Property taxes)

    Налоги на недвижимость — это налоги, взимаемые местными юрисдикциями, как правило, на уровне административных округов, в зависимости от стоимости облагаемой налогом недвижимости. Часто налоги на недвижимость взимаются в рамках ежемесячного платежа домовладельца по ипотечному кредиту, а затем выплачиваются в соответствующей юрисдикции один или несколько раз в год. Это называется счетом условного депонирования. Если у кредита нет счета условного депонирования, то домовладелец будет платить налоги на недвижимость напрямую.

    Дополнительная информация о процессе покупки дома.



    Соответствующая требованиям ипотека (Qualified mortgage)

    Соответствующая требованиям ипотека — это категория кредитов, которые имеют определенные, более стабильные характеристики, которые повышают вероятность того, что вы сможете позволить себе кредит.

    Подробнее (на английском языке)



    Соответствующий требованиям письменный запрос (Qualified Written Request - QWR)

    Соответствующий требованиям письменный запрос, или QWR, представляет собой письменную корреспонденцию, которую вы или кто-либо, действующий от вашего имени, может направить сервисному агенту ипотеки. Вместо QWR вы также можете отправить своему сервисному агенту Уведомление об ошибке (Notice of Error) или Запрос на предоставление информации (Request for Information).

    Подробнее (на английском языке)



    План погашения задолженности (Repayment plan)

    План погашения задолженности — это структурированный способ компенсировать пропущенные платежи по ипотечному кредиту в течение определенного периода времени. Это один из способов уменьшения потерь. Если у вас возникли проблемы с оплатой ипотечного кредита, ваш кредитор или сервисный агент могут разрешить вам заключить план погашения задолженности. Прежде чем заключить план погашения задолженности, убедитесь, что вы понимаете требования плана и сможете вносить новые платежи.



    Обратная ипотека (Reverse mortgage)

    Обратная ипотека позволяет домовладельцам в возрасте 62 лет и старше брать кредит под залог собственного капитала домовладельца. Это называется «обратной» ипотекой, потому что вместо платежей кредитору вы получаете деньги от кредитора. Полученные вами деньги и проценты, начисленные по кредиту, ежемесячно увеличивают баланс вашего кредита. Большинство обратных ипотек сегодня называются HECM, сокращенно от Ипотека с конверсией собственного капитала домовладельца.

    Узнайте, на что вам следует обратить внимание перед подачей заявления на обратную ипотеку.



    Право отказа от кредита (Right of rescission)

    Право отказа от кредита относится к праву потребителя аннулировать определенные виды кредитов. Если вы покупаете дом в ипотеку, вы не имеете права отказаться от кредита после подписания документов о закрытии сделки. Однако, если вы осуществляете рефинансирование ипотечного кредита, у вас есть время до полуночи третьего рабочего дня после заключения сделки, чтобы расторгнуть (аннулировать) договор об ипотеке. Трехдневный срок не начинается до тех пор, пока вы не подпишете кредитный договор (обычно называемый векселем), не получите форму раскрытия информации по Закону о правде в кредитовании (Truth in Lending disclosure) и не получите две копии уведомления, разъясняющего ваше право на расторжение договора.



    Вторая ипотека (Second mortgage)

    Вторая ипотека или младшее залоговое право — это кредит, который вы берете, используя свой дом в качестве залога, в то время как у вас все еще есть другой кредит, обеспеченный вашим домом.

    Узнайте больше о второй ипотеке.



    Обеспечительный интерес (Security interest)

    Обеспечительный интерес – это то, что позволяет кредитору лишить вас права выкупа, если вы не вернете деньги, которые вы заимствовали.

    Подробнее (на английском языке)



    Финансирование продавцом (Seller financing)

    Финансирование продавцом – это кредит, который предоставляет вам продавец дома.

    Подробнее (на английском языке)



    Сервисный агент (Servicer)

    Сервисный агент вашей ипотеки — это компания, которая отправляет вам декларации об ипотеке. Ваш сервисный агент также выполняет повседневные задачи по управлению вашим кредитом.

    Ваш сервисный агент по кредиту обычно обрабатывает платежи по вашему кредиту, отвечает на запросы заемщика, отслеживает выплату основной суммы кредита и процентов и управляет вашим счетом условного депонирования (если он у вас есть). Сервисный агент по кредиту может инициировать процесс о потере права выкупа при определенных обстоятельствах. Ваш сервисный агент может быть или не быть той же компанией, которая первоначально предоставила вам кредит.



    Ипотека, по условиям которой заемщик должен поделиться прибылью с кредитором (Shared appreciation mortgage)

    В соответствии с ипотекой, по условиям которой заемщик должен поделиться прибылью с кредитором, вы соглашаетесь отдавать своему кредитору долю любого увеличения стоимости вашего дома.

    Подробнее (на английском языке)



    Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке (Short sale)

    Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке — это продажа вашего дома за меньшую сумму, чем вы должны по ипотеке. Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке, является альтернативой потере права выкупа, но поскольку это продажа, вам придется покинуть свой дом. Если ваш кредитор или сервисный агент соглашается на продажу недвижимости за цену, которая не покрывает задолженности по ипотеке, вы можете продать свой дом, чтобы погасить ипотеку, даже если цена продажи или выручка окажутся меньше, чем остаток по ипотеке. Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке является способом уменьшения потерь. Если вы живете в штате, в котором вы несете ответственность за любую недоимку, которая представляет собой разницу между стоимостью вашей недвижимости и суммой, которую вы все еще должны по ипотечному кредиту, вы можете попросить своего кредитора отказаться от недоимки. Если кредитор отказывается от недоимки, получите такой отказ в письменной форме и сохраните его для своих записей.



    Субстандартный ипотечный кредит (Subprime mortgage)

    Когда кредиторы используют этот термин, они обычно имеют в виду кредитную программу для заемщиков, которые не имеют права на получение стандартного кредита, часто с более высокой процентной ставкой.

    Дополнительная информация о процессе покупки дома.



    Съемка (Survey)

    Съемка — это чертеж вашей недвижимости, показывающий расположение участка, дома и любых других построек, а также любые улучшения недвижимости.

    Подробнее (на английском языке)



    Плата за обслуживание титула (Title service fees)

    Плата за обслуживание титула является частью расходов на закрытие сделки, которые вы платите при получении ипотеки. Когда вы покупаете дом, вы получаете документ, чаще всего называемый договором за печатью (deed), который показывает, что продавец передал вам свое законное право собственности или «титул» на дом. Плата за обслуживание титула — это расходы, связанные с оформлением страховки титула для кредитора.

    Подробнее (на английском языке)



    Общая сумма процентов (Total interest percentage - TIP)

    Общая сумма процентов (TIP) — это раскрытие информации о том, сколько процентов вы заплатите в течение срока действия вашего ипотечного кредита.

    Подробнее (на английском языке)



    Общая сумма платежей (Total of payments)

    Это число говорит вам об общей сумме денег, которую вы выплатите в течение срока действия ипотеки.

    Подробнее (на английском языке)



    TRID

    «TRID» — это аббревиатура, которую некоторые люди используют для обозначения Правило комплексного раскрытия информации в соответствии с Законом о правдивости при кредитовании и Законом о порядке расчётов при заключении сделок с недвижимостью (TILA RESPA Integrated Disclosure rule).

    Подробнее (на английском языке)



    Кредит USDA (USDA loan)

    Служба жилищного строительства в сельской местности (Rural Housing Service), входящая в состав Министерства сельского хозяйства США (USDA), предлагает ипотечные программы без первоначального взноса и, как правило, выгодные процентные ставки для покупателей жилья в сельской местности, отвечающих требованиям Министерства сельского хозяйства США по доходам.

    Узнайте об этой и других специальных программах ипотечного кредита.



    Кредит VA (VA loan)

    Кредит VA — это кредитная программа, предлагаемая Администрацией по делам ветеранов (VA), чтобы помочь военнослужащим, ветеранам и соответствующим критериям пережившим их супругам купить дома. VA не выдает кредиты, но устанавливает правила для тех, кто может претендовать на получение кредита, и условия ипотеки. VA гарантирует часть кредита, чтобы снизить риск потери для кредитора. Кредиты, как правило, доступны только для основного места жительства.

    Если вы ветеран, узнайте, подходит ли вам кредит VA.

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    Поиск ипотеки

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    Поиск ипотечного кредита требует времени и усилий. Но это может сэкономить вам тысячи долларов. Поставьте перед собой цель сравнить как минимум три кредитных предложения от разных кредиторов.

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    Получите как минимум три предварительных одобрения

    Интернет и газеты являются хорошим стартовым пунктом для начала поиска ипотечных кредиторов. Обратитесь к банкам, кредитным союзам и организациями, которые могут специализироваться на вашей ситуации, например, с теми, кто покупает жилье впервые, с ветеранами, работниками государственных и муниципальных служб и т. д.

    Обратитесь за «предварительным одобрением» как минимум к трем разным кредиторам. Это означает, что кредитор проанализирует вашу финансовую ситуацию, включая вашу кредитную историю, и оценит, сколько вы можете занять и какой процент вам, скорее всего, придется платить.

    Предварительное одобрение позволяет вам оценить каждого кредитора и узнать, какие виды кредитов и цены он предлагает. Получение всех трех предварительных одобрений в течение короткого времени не должно сильно повлиять на ваш кредитный рейтинг.

    Когда вы примете определенные решения, вернитесь к этим кредиторам и запросить у них кредитные предложения.

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    Сравните условия кредита, структуры процентных ставок и программы

    Срок кредита: долгосрочный или краткосрочный

    Как правило, кредит с длительным сроком стоит больше в течение срока кредита. Но ваши ежемесячные платежи, как правило, ниже. Вы можете договориться с кредитором о другом сроке кредита, например, на 20 лет, 7 лет или даже более 30 лет.

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    Большинство покупателей жилья выбирают 30-летний кредит, поскольку в этом случае платежи могут быть низкими.

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    Платежи, как правило, выше, чем по 30-летним кредитам, но ваш кредит погашается через 15 лет, и общая стоимость кредита может быть ниже.

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    Структура процентной ставккредита: фиксированная или регулируемая процентная ставка

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    Кредиты с фиксированной процентной ставкой являются популярными. Ваш первоначальный платеж может быть ниже при использовании кредита с регулируемой процентной ставкой, однако если процентные ставки вырастут, вы можете столкнуться с резким увеличением платежей.

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    Ваша процентная ставка и ежемесячный платеж останутся неизменными на протяжении всего срока кредита.

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    Ваша процентная ставка обычно фиксируется в течение первых нескольких лет кредита. По истечении этого фиксированного периода процентная ставка пересматривается на регулярной основе в соответствии с «индексом». Индекс является мерой процентных ставок в целом и отражает тенденции в экономике в целом. Это означает, что сумма вашего платежа может увеличиваться или уменьшаться. Подробная информация содержится в оценке кредита, которую вы получаете от кредитора.

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    Типы кредитных программ: стандартная, FHA (Федеральное управление жилищного строительства США), VA (Администрация по делам ветеранов) или специальная программа

    Существует множество кредитных программ, и некоторые из них созданы для оказания помощи в получении ипотечных кредитов людям в определенных обстоятельствах или группах.

    Вносите первоначальный взнос в размере 5% и более?

    Запросите информацию о соответствующем кредите Fannie Mae или Freddie Mac, который часто называют «обычным» кредитом.

    Вносите только небольшой первоначальный взнос?

    Запросите информацию о кредите, застрахованном FHA.

    Военнослужащий или ветеран?

    Запросите информацию о кредите, гарантированном VA.

    Покупаете дом в сельской местности?

    Запросите информацию о кредите, спонсируемом Министерством сельского хозяйства США (USDA).

    Вы впервые покупаете жилье и имеете низкий или средний доход?

    Запросите информацию о кредитах, доступных через агентство жилищного финансирования вашего штата.

    Сравните кредитные предложения

    Теперь пришло время начать официальный процесс подачи заявления. Попросите у своих кредиторов предложения кредитов, отражающие ваши выборы по типу кредита, программе и сроку. Тогда вы сможете объективно сравнить эти предложения.

    Сначала сравните основные характеристики кредита:

    • Каков срок кредита?
    • Какова процентная ставка?
    • На какой сумме первоначального взноса основан кредит?
    • Каков размер ежемесячного платежа?
    • Для кредитов с изменяемой процентной ставкой предусмотрены ли ограничения на изменение платежей и процентной ставки? Снижается ли процентная ставка, если рыночные процентные ставки уменьшаются

    Затем сравните остальные детали, которые могут повлиять на ваши затраты:

    • Когда мои платежи погасят мою основную сумму кредита?
    • Изменятся ли платежи в течение срока кредита? Насколько большим может стать мой платеж?
    • Включает ли мой платеж налоги на недвижимость и страховку? Если нет, могу ли я позволить себе оплатить их отдельно?
    • Какие расходы и сборы будут добавлены к моему первоначальному платежу? К моему текущему платежу?
    • Нужно ли мне платить баллы (авансовые платежи, которые снижают вашу процентную ставку)?
    • Какие сборы и расходы включены в занимаемую сумму (обычно для кредита «без затрат на закрытие сделки»)?
    • Соответствует ли письменное предложение тому, что было сообщено устно о кредите?
    • Могу ли я получить более выгодное предложение по расчетному обслуживанию от разных поставщиков услуг?
    • Могу ли я погасить кредит досрочно или сделать более крупные платежи, чем запланированные платежи, без штрафов?

    Попросите лучшие условия сделки

    Когда вы получите предложения от нескольких кредиторов, спросите, могут ли они предложить лучшие условия. Переговоры являются обычной практикой, и нет ничего плохого в том, чтобы спросить. Кредитор может отказаться от одной или нескольких комиссий или уменьшить процентную ставку или баллы.

    Убедитесь в том, что кредитор не снижает одну комиссию, повышая другую, или не снижает вашу процентную ставку, но повышает ваши баллы.

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    Shopping for your auto loan (in Russian)
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    Выбор автокредита

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    Несмотря на всю сложность, выбор кредита и получение лучших ставок и других условий не сильно отличается от обычного процесса покупки, и если заранее подготовиться, то можно избежать лишнего стресса и сделать процесс более простым.

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    Подготовка к подаче заявки на получение автокредита

    Вы будете в лучшей позиции для поиска и совершения сделок по автокредиту, если выполните эти шаги до подачи заявки на автокредит.

    На что следует обратить внимание в кредитном отчете

    Информация в вашем кредитном отчете определяет ваш кредитный рейтинг. Ваш кредитный рейтинг играет большую роль в определении типа доступного для вас автокредита и процентной ставки по нему. Вот несколько полезных ресурсов:

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    Вам нужен сопоручитель?

    Сопоручитель — это человек, такой как родитель, член семьи или друг, который, как и вы, берет на себя обязательства по погашению кредита. Если ваша кредитная история ограничена или требует улучшения, и у вас низкий (или даже нулевой) кредитный рейтинг, ваша процентная ставка может значительно снизиться,

    если вашим сопоручителем выступит лицо с хорошей или превосходной кредитной историей. Это связано с тем, что кредитор будет учитывать кредитную историю сопоручителя при принятии решения о предоставлении кредита.

    Если вы решаете привлечь сопоручителя, вы оба должны тщательно обдумать это решение. Если вы не погашаете ваш кредит, вы и ваш сопоручитель будете нести ответственность за его погашение. Сопоручитель несет ответственность за кредит, даже если не имеет права владения автомобилем. Кроме того, просрочки по кредиту повлияют и на вашу кредитную историю и рейтинг, и на кредитную историю и рейтинг вашего сопоручителя. Как правило, федеральное законодательство запрещает кредитору требовать от вас назначения сопоручителя, если вы обращаетесь за кредитом. .самостоятельно и соответствуете стандартам кредитора относительно кредитоспособности. Более подробную информацию о сопоручительстве см. на веб-сайте consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    Выясните текущие ставки по автокредитам

    Вы можете узнать ставки по автокредитам, обратившись в несколько банков, кредитных союзов или к другим кредиторам. Вы также можете найти эту информацию в интернете: на многих коммерческих веб-сайтах вам предоставят примерные процентные ставки по стране и регионам. Некоторые коммерческие сайты могут перенаправить вас на конкретных кредиторов и дилеров для получения предложений, поэтому будьте внимательны при предоставлении личной информации.

    Первоначальный платеж

    Первоначальный платеж уменьшит общую сумму кредита, так как вам придется занимать меньше денег. Чем выше первоначальный платеж, тем ниже общая стоимость кредита.

    Решите, хотите ли вы отдать свой старый автомобиль на обмен нового с доплатой

    Если у вас уже есть автомобиль, выясните его стоимость, чтобы узнать, сколько вы сможете выручить от его продажи, или отдав его в счет нового. Примерную цену можно посмотреть на коммерческих веб-сайтах, таких как Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power и на досках объявлений в сети. Эти ресурсы также можно найти в вашей местной библиотеке. Чтобы определить справедливую цену, поищите информацию о продажах подобных автомобилей в вашем регионе.

    После определения цены имеющегося автомобиля можно решить, стоит ли обменивать с доплатой. Если вы оформляете отдачу старого автомобиля в счет нового в дилерской компании, вы и дилер определяете стоимость, которая будет вычтена из цены вашего нового автомобиля. Если вы самостоятельно продаете автомобиль, вы можете использовать вырученные деньги для покупки нового.

    Если ваш старый автомобиль взят в кредит, отнеситесь к такой ситуации со всей осторожностью

    Тщательно обдумайте, стоит ли брать на себя новый долг в дополнение к имеющемуся. Вот несколько рекомендаций:

    • Определите сумму выкупа, которая будет использована для погашения имеющегося кредита, у вашего текущего кредитора, прежде чем обратиться к дилеру.
    • Решите, будете ли вы погашать имеющийся кредит сейчас, или подождете, пока не будет погашен ваш старый автокредит до заключения нового, или вы добавите сумму задолженности по старому кредиту к новому кредиту.
    • Если за имеющийся автомобиль вы должны больше, чем он стоит — это называется обесцененным капиталом. Если вы переносите баланс вашего имеющегося автокредита на новый, новый автокредит может обойтись вам намного дороже. При этом общая стоимость кредита повысится из-за того, что вам придется взять в кредит сумму, превышающую цену нового автомобиля.
    • После определения стоимости при обмене старого автомобиля на новый с доплатой, если сумма вашей задолженности по такому обмену меньше его стоимости, в ходе переговоров убедитесь, что вам предлагают справедливую цену и вы сможете полностью оплатить задолженность по старому автокредиту.
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    Все равно должны денег после обмена с доплатой?

    Если вы хотите перенести баланс по старому кредиту на новый, убедитесь, что вы понимаете, как это повлияет на общую стоимость нового кредита. Внимательно проверьте общую стоимость нового кредита, включая одолженную сумму, годовую процентную ставку (APR), ставку вознаграждения, срок кредита (в месяцах) и сумму ежемесячного платежа, прежде чем согласиться на что-либо. Если вы не включаете текущую задолженность за старый автомобиль в новый кредит, а решили сохранить старый автомобиль и купить новый, у вас будет два кредита и два ежемесячных платежа. В любом случае, подумайте: стоит ли покупать следующий автомобиль, когда вы еще не погасили кредит за предыдущий автомобиль. Более подробную информацию см. на веб-сайте consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    Обдумайте дополнения заранее

    Автодилер, скорее всего, предложит вам дополнительные продукты и услуги для автомобиля или кредита. Рекомендуем заранее обдумать такие дополнения, чтобы у вас было меньше забот при покупке, и вы смогли заранее определить необходимость таких дополнений. Типовые дополнения:

    Такие продукты и услуги являются необязательными. Если вы решите купить их, цену можно обсуждать. Если вы обдумываете их покупку, соберите информацию. Например, ваша собственная компания автострахования может предложить промежуточное страхование, кредитное страхование или их альтернативы. Если вы включаете в кредит дополнительные опции, одалживаемая сумма и платежи возрастают.

    Теперь, после того, как мы сделали домашнее задание, давайте приступим к следующему шагу: выбору автокредита. Для отслеживания условий кредита и сравнения ваших вариантов, используйте таблицу автокредита на consumerfinance.gov. Возьмите эту таблицу с собой в банк, кредитный союз, к другому кредитору или дилеру, чтобы сравнить варианты кредита и заключить самую выгодную сделку.

    Выбор автокредита

    Теперь вы готовы к тому, чтобы выбрать кредит. До того, как пойти к дилеру, соберите свои личные данные и подумайте о том, чтобы получить предварительное одобрение кредита.

    Если вы займетесь этим заранее, вы подготовитесь к обсуждению вашего автокредита и сделаете процесс менее сложным для себя.

    Соберите личные данные

    Прежде чем обратиться в банк, кредитный союз или к дилеру, соберите всю необходимую информацию. Кредиторы, как правило, просят указать в заявке на получение кредита следующую информацию:

    • ФИО
    • Номер социального страхования или Индивидуальный идентификационный номер налогоплательщика (ИИНН)
    • Дата рождения
    • Текущий и предыдущие адрес и длительность проживания
    • Текущий и предыдущий работодатель и длительность трудоустройства
    • Род занятий
    • Источник дохода
    • Общий ежемесячный доход
    • Финансовые данные о текущих кредитных счетах, включая прочие задолженности

    Получите предварительное одобрение кредита

    Получение предварительно одобренного кредитного предложения с максимальной суммой кредита и процентной ставкой от банка, кредитного союза или другого кредитора — хорошее начало. Если вы возьмете с собой к дилеру кредитное предложение от кредитора, вы сможете упрочить свое положение и получить более выгодные условия, а затем решить, чем воспользоваться: имеющимся предложением или предложением дилера.

    Предварительное одобрение кредита также поможет вам контролировать свой бюджет и сравнить процентные ставки без спешки и давления, которые часто возникают при покупках у дилеров. Это позволит вам сосредоточиться на фактической цене автомобиля и его стоимости при обмене с доплатой, поскольку вы уже будете знать, какие условия кредитования вы можете получить. Вам не обязательно использовать такой предварительно одобренный кредит — вы можете согласовать более выгодные условия кредита с дилером.

    Если ваша заявка прошла предварительное одобрение, кредитор даст вам документы, которые вы возьмете с собой к дилеру. После того, как вы будете готовы совершить покупку, дилер выполнит окончательное согласование с кредитором.

    Как выбор кредита влияет на кредитный рейтинг

    Поиск и выбор наиболее выгодного предложения, как правило, оказывает несущественное или нулевое воздействие на ваш кредитный рейтинг. При этом преимущества поиска и выбора значительно перевешивают его влияние на вашу кредитную историю. В некоторых случаях подача заявок на несколько кредитов на протяжении длительного времени может снизить ваш кредитный рейтинг. В зависимости от модели расчета кредитного рейтинга, как правило, все запросы таких кредиторов на получение вашей кредитной истории на протяжении периода от 14 до 45 дней рассматриваются как один запрос. Это значит, что если вы будете заниматься поиском и выбором автокредита на протяжении этого периода, все ваши заявки будут считаться одной заявкой. Чтобы минимизировать негативное воздействие на кредитный рейтинг, осуществляйте подбор в течение короткого периода времени.

    Знайте свои права

    Кредитор не имеет права препятствовать в подаче заявки на кредит, отклонять ее или предлагать другие цены, сроки или условия кредита из-за вашей расовой принадлежности, цвета кожи, религии, национальности, пола, семейного положения, возраста, факта получения государственного пособия или добросовестного исполнения любых прав, предусмотренных в Законе о защите потребительского кредита.

    Вы можете сообщить о мошенничестве онлайн в Федеральной Торговой Комиссии на веб-сайте reportfraud.ftc.gov . Также вы можете подать жалобу в Бюро по защите финансовых потребителей на consumerfinance.gov/complaint или позвонив по бесплатному номеру 1-855-411-CFPB (2372).

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    Что обозначает ваш кредитный отчет

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    Если вы запросили, чтобы вам предоставили бесплатный отчет о вашей кредитоспособности, вы можете использовать указанную ниже информацию для того, чтобы разобраться в этом отчете и убедиться, что в нем нет никаких ошибок.

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    Кредитный отчет легче всего можно изучить в том случае, если вы знаете и понимаете все элементы его - что они обозначают и как они влияют на ваш статус в отношении кредитоспособности.

    Отчеты могут быть составлены в различной форме или могут использовать различные слова. Однако они предоставляют одну и ту же информацию, которая описана ниже.

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    Form snapshot of

    Персональные данные

    Бюро кредитных историй используют ваши персональные данные, чтобы убедиться в том, что вы являетесь тем лицом, которое открыло счета, описанные в отчете. Внимательно просмотрите этот раздел, чтобы убедиться в том, что в отношении вас там указана правильная и обновленная информация. Неправильно указанное имя, фамилия или неправильный номер социального обеспечения могут привести к тому, что вас будут обвинять в неуплате долга другого лица.

    Form snapshot of

    Официальные документы с открытым доступом

    Банкротства и обращения взыскания на различное имущество, в некоторых случаях, это единственные открытые официальные документы, которые предоставляются в кредитных отчетах, исходящих от трех общенациональных бюро кредитных историй. Открытые судебные материалы могут оказывать негативное влияние на вашу кредитную историю и на ваш рейтинг. Если у вас были банкротства, то они могут указываться в вашем кредитном отчете в течение 10 лет. Негативная информация в вашем кредитном отчете может приводить к тому, что у вас будет более высокая процентная ставка или вам откажут в выдаче кредита.

    Информация о счете

    В разделе сведений о различных счетах один за другим будут указаны ваши кредитные счета. Как правило, заимодавцы обновляют свою информацию ежемесячно. Обычно такая информация включает в себя ваше платежное поведение, наличие каких-либо задолженностей по текущим или прошлым счетам, ваш баланс на счетах и типы ссуд или счетов. Если в вашем кредитном отчете указано такое название заимодавца, которое незнакомо вам, то это может быть название материнской компании вашего заимодавца или может быть новая компания, в которую вступил ваш заимодавец путем слияния компаний. Если вы не уверены, что это точное название - проверьте информацию, написанную мелким шрифтом в своем ежемесячном счете, или свяжитесь с заимодавцем. Если в вашем кредитном отчете указывается такой счет, который не принадлежит вам, то в таком случае вы имеете право оспаривать его присутствие в отчете.

    В кредитных отчетах информация о ваших счетах в компаниях-эмитентах кредитных карточек и счетах у других заимодавцев указывается как удовлетворительная или хорошая, либо как неудовлетворительная или потенциально негативная.

    Счета в удовлетворительном состоянии

    Счета в удовлетворительном состоянии, это счета без нарушений. Они указывают на то, что бюро кредитных историй не получало недавно сообщений негативного характера. Счет обычно считается удовлетворительным в том случае, если он оплачивается в течение 30 дней после даты оплаты. Своевременная оплата защищает вашу кредитную историю и кредитный рейтинг.

    Счета в потенциально негативном состоянии

    Счета, в которых просрочены сроки оплаты, или по которым проводится принудительное взыскание, описываются как неудовлетворительные или потенциально негативные. Бюро кредитных историй обычно сообщает самую худшую негативную информацию, например, пропущенные платежи или принудительное взыскание средств. Такая информация предоставляется за последние семь лет. Возможно, вы увидите, что у компании, выдавшей первоначальную ссуду, было другое название. Заимодавцы иногда обращаются к другим компаниям для того, чтобы взыскивать причитающиеся им долги. Или иногда они продают причитающийся им долг. В таком случае компания, которая стала новым владельцем долга, в кредитном отчете указывается вместе с

    Запросы в отношение кредитоспособности

    Бюро кредитных историй получают запросы от субъектов хозяйствования, заимодавцев или работодателей, когда те просят предоставить им ваш отчет о кредитоспособности. Причина подачи такого запроса может влиять на ваш кредитный рейтинг.

    Запросы на углубленное изучение

    Запрос на углубленное изучение вашего кредитного отчета подается заимодавцем тогда, когда вы подали заявление на предоставление кредита. Запросы на углубленное изучение могут влиять на ваш кредитный рейтинг, потому что в большинстве моделей рейтинга кредитоспособности учитывается то, как давно вы подавали заявление на предоставление кредита и как часто это происходит.

    Запросы на поверхностное изучение

    Запрос на поверхностное изучение подается тогда, когда ваши данные о кредитоспособности рассматриваются по другим причинам, которые не связаны с подачей заявления на получение кредита. Например, когда заимодавец проверяет существующий счет, или когда вы попросили предоставить вам ваш собственный кредитный отчет, или когда потенциальный заимодавец хочет предварительно проверить вас перед тем, как предлагать вам кредит. Запросы на поверхностное изучение не затрагивают ваш кредитный рейтинг.

    После того, как вы проверили свои отчеты, внимательно следите за ними

    Заведите себе привычку периодически проверять свой кредитный отчет

    Один раз в 12 месяцев вы имеете право запросить, чтобы вам бесплатно предоставили копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй: Equifax, Experian и TransUnion. Кроме этого, до конца 2026 года вы имеете право получать у компании Equifax шесть бесплатных кредитных отчетов каждые 12 месяцев.

    Заходите на веб-сайт annualcreditreport.com , позвоните по телефону (877) 322-8228, или скачайте и заполните бланк запроса ежегодно кредитного отчета и отправьте его по почте по тому адресу, который указан в бланке. При посещении сайта, возможно, вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в своем рейтинге кредитоспособности.

    Быстро принимайте меры для того,
    чтобы исправлять ошибки

    Вы можете использовать бланки типичных писем для того, чтобы оспаривать ошибки в кредитном отчете или отвечать на действия, направленные на взыскание долга. Такие письма имеются на веб-сайте: consumerfinance.gov/askcfpb/314.

    Предпринимайте действия для того, чтобы улучшить свою кредитоспособность или лучше понимать ее

    Вы можете получить информацию и советы на веб-сайте: consumerfinance.gov/consumer-tools/credit-reports-and-scores.

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    Understand your credit score (Russian)
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    Что обозначает ваш кредитный рейтинг

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    Для того, чтобы оценить вероятность возвращения вами денег, которые вы берете взаймы, банки, компании-эмитенты кредитных карточек и другие субъекты хозяйственной деятельности используют кредитные рейтинги.

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    Высокий кредитный рейтинг поможет вам получить ссуду и уменьшит величину процентной ставки. Многие системы рейтингов используют шкалу от 300 до 850 баллов, однако различные компании используют различные диапазоны величин.

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    Вас могут оценивать по многим кредитным рейтингам

    Вас могут оценивать по многим кредитным рейтингам, потому что:

    • Заимодавцы используют различные рейтинги для различных продуктов
    • Существует много различных формул для рассчета кредитного рейтинга
    • Информация может поступать из различных источников, которые предоставляют сообщения в системы кредитных рейтингов

    Например, рейтинг кредитной карточки может отличаться от ипотечного рейтинга, а какой-либо рейтинг, который вы покупаете онлайн, может отличаться от обоих этих рейтингов.

    Для некоторых лиц эти различия не являются большими. Но вследствие того, что заимодавцы используют различные системы рейтингов, у некоторых заимодавцев вы можете получить более низкий процент, чем у других. Если вы будете сравнивать цены - вы можете выиграть от этого.

    Откуда берутся кредитные рейтинги?

    Ваш кредитный рейтинг обычно основан на информации, указанной в ваших кредитных отчетах. Ваши заимодавцы сообщают эту информацию в бюро кредитных историй. Три самые крупные из них - Equifax, Experian и TransUnion.

    На ваш кредитный рейтинг влияют несколько факторов, включая следующие:

    • Сколько у вас имеется счетов с отрытым кредитом
    • Как давно вы пользуетесь этими счетами
    • Как близко вы подбираетесь к максимальному лимиту вашего кредита
    • Как часто вы опаздываете с предоставлением платежей
    • Прочие факторы

    Как можно повысить свой рейтинг

    • Постоянная своевременная оплата своих счетов оказывает самое большое влияние на величину вашего рейтинга. Один из способов обеспечения своевременной оплаты своих платежей - регистрация на автоматическое взимание платежей или настройка электронных напоминаний о необходимости выполнить платеж. Если вы пропустили платеж - оплатите его и не допускайте задолженностей.
    • Не приближайтесь к максимальной сумме своего кредитного лимита. Модели определения рейтинга кредитоспособности учитывают то, как близко вы приближаетесь к своему максимальному кредитному лимиту. Поэтому попытайтесь сохранять баланс на низком уровне пропорционально к своему общему лимиту кредитования. Эксперты советуют, чтобы вы не превышали уровень, составляющий 30 процентов от вашего общего лимита кредитования
    • Наличие долгосрочной кредитной истории помогает повысить ваш рейтинг. Кредитные рейтинги зависят от показателей, накопленных в течение времени. Ваш рейтинг повышается с течением времени: чем дольше существует предоставленный кредит - тем выше рейтинг. Откройте различные типы счетов и своевременно оплачивайте их.
    • Действуйте осторожно при закрытии счетов. Если вы закроете несколько счетов кредитных карточек и переведете весь баланс или большую его часть на одну кредитную карточку - такие действия могут понизить ваш кредитный рейтинг, если вы будете использовать более высокий процент от общего объема своего лимита кредитования. Частое открытие счетов и переведение балансов между ними также может негативно сказаться на вашем рейтинге.
    • Подавайте заявления на получение только тех кредитных линий, которые вам нужны. Кредитный рейтинг отображает ваше недавнее взаимодействие с предоставленными кредитами, что является индикатором ваших нужд в отношении кредитов. Если вы будете запрашивать большое количество кредитных линий в течение короткого промежутка времени - может создаться впечатление, что у вас ухудшилась ситуация с деньгами.

    Ваш кредитный отчет имеет такое же значение, как и ваш рейтинг

    Если в ваших кредитных отчетах существуют ошибки - они могут отрицательно сказаться на вашей кредитной истории и кредитном рейтинге. Поэтому регулярно проверяйте их.

    Один раз в 12 месяцев вы имеете право бесплатно получить копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй. Заходите на веб-сайт: annualcreditreport.com или звоните по телефону: 877-322-8228. Кроме этого, до 31 декабря 2026 года компания Equifax будет предоставлять шесть бесплатных кредитных отчетов каждые 12 месяцев. При посещении сайта, возможно, вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в вашем рейтинге кредитоспособности.

    Когда вы получите свой отчет - обратите внимание на следующие моменты:

    • Ошибки в таких данных, как фамилия и имя, номер телефона или адрес
    • Ссуды, кредитные карточки или другие счета, которые не являются вашими
    • Сообщения о том, что вы предоставляли оплату с опозданием, хотя вы оплачивали вовремя
    • Счета, которые были вами закрыты, но которые указаны как открытые счета
    • Один и тот же пункт, который показывается несколько раз (например - неоплаченный долг)

    Как исправлять ошибки

    Если в своем кредитном отчете вы обнаружили какую-либо неточную информацию - вы можете связаться как с бюро кредитных историй, так и с компанией, которая предоставила такую информацию (например: компания-эмитент кредитных карточек). Объясните им, что по вашему мнению указано неправильно и почему. Приложите копии документов, которые подтверждают вашу позицию. В ваших кредитных отчетах предоставлены инструкции о том, как можно оспаривать существующие ошибки.

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    Act fast if you can’t pay your credit cards (in Tagalog)
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    Kumilos agad kung hindi mo kayang bayaran ang iyong mga credit card

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    Agad na kumilos at tawagan ang kumpanya ng iyong credit card kung naniniwala kang hindi mo kayang bayaran ang minimum na kabayaran sa iyong credit card.

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    Maraming kumpanya ng credit card ang maaaring pumayag na tumulong kung nahaharap ka sa pinansyal na emerhensya. Hindi mo kailangang mahuli sa iyong pagbabayad para makahingi ng tulong!

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    Huwag balewalain ang problema

    Maaari lamang magdulot iyon ng mas malalaking problema, tulad ng:

    • Mas matataas na antas ng interes
    • Mas matataas na minimum na kabayaran
    • Pagkawala ng mga pribilehiyo sa pagcharge
    • Mga singil sa nahuling pagbayad
    • Pagkasira sa iyong credit score

    Narito ang kailangang gawin

    1. Sumahin ang iyong kita at mga gastusin

    Look for ways to cut costs. If you can’t find enough to pay your minimum payment, decide how much you can afford to pay.

    2. Tawagan ang kumpanya ng iyong credit card

    Siguraduhing malinaw na naipapaliwanag ang:

    • Bakit hindi mo kayang bayaran ang minimum
    • Magkano ang kaya mong bayaran
    • Kailan mo maaaring muling masimulan ang iyong mga normal na pagbabayad

    3. Isaalang-alang ang credit counseling

    Kung kailangan mo pa ng karagdagang tulong, ang mga nonprofit na organisasyon sa credit counseling ay makakapagturo sa iyo ng higit pa tungkol sa pangangasiwa ng iyong pera.

    Bago mag-sign up para sa credit counseling, itanong kung mapapatawan ka ng singil, magkano, at kung anong mga serbisyo ang ipagkakaloob. Siguraduhing naglalaan ng panahon ang iyong credit counselor upang matutunan ang tungkol sa iyong pinansyal na sitwasyon, at nag-aalok na tulungan kang matutunan ang kung paano ito mapapabuti.

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    Walang madaliang pagresolba

    Sinasabi ng ilan sa mga for-profit na kumpanyang tumutulong sa utang na matutulungan ka nilang mabayaran ang iyong mga utang “sa napakaliit na halaga.” Ngunit madalas, hindi naaangkop ang mga pangakong ito. Mag-ingat sa anumang organisasyong tumutulong sa utang na:

    • Nagpapataw ng mga singil bago resolbahin ang iyong mga utang
    • Naggagarantiya na sa pamamagitan nila ay puwedeng maglaho ang iyong utang
    • Nagsasabi sa iyong tumigil sa pakikipag-usap sa mga nagpapautang o mga kumpanya ng credit card
    • Nagsasabi sa iyong tumigil sa pagbabayad mo sa credit card o loan
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    Auto loan key terms (in Tagalog)
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    Mga pangunahing kataga para sa mga loan sa sasakyan

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    Aktuwal na Halaga sa Pera (ACV) (Actual Cash Value (ACV))

    Ang Aktuwal na Halaga sa Pera (ACV) ay ang halaga ng sasakyan ayon sa mga kilalang-kilalang independiyenteng pinagkukunan tulad ng Pambansang Asosasyon ng mga Nagbebenta ng Sasakyan (National Automobile Dealers Association) o Kelley Blue Book.

    Magbasa nang higit pa (sa Ingles)

    Amortisasyon (Amortization)

    Ang amortisasyon ay ang proseso ng unti-unting pagbabayad sa iyong loan sa sasakyan. Sa isang naka-amortize na loan, para sa bawat isa sa iyong mga buwanang kabayaran, inilalapat ang isang bahagi nito sa halaga ng loan – ang principal – at inilalapat ang bahagi ng kabayaran sa pagbabayad ng pinansyal na singil – ang interes.

    Magbasa nang higit pa (sa Ingles)

    Taunang Porsyento ng Singil (APR) (Annual Percentage Rate (APR))

    Ang Taunang Porsyento ng Singil (APR) ay ang halagang binabayaran mo kada taon para humiram ng pera, kabilang ang mga singil, na ipinapakita bilang porsyento. Ang APR ay ang mas malawak na panukat ng gastos para sa iyo sa paghiram ng pera dahil hindi lamang ito sumasalamin sa antas ng interes ngunit pati na rin sa mga singil na kailangan mong bayaran para makakuha ng loan. Kung mas mataas ang APR, mas malaki ang babayaran mo sa kabuuang itatagal ng loan.

    Ang APR ng loan sa sasakyan at ang antas ng interes ay dalawa sa pinakamahahalagang panukat sa presyong binabayaran mo sa paghiram ng pera. Inaatasan ng pederal na Truth in Lending Act (TILA, Batas sa Katotohanan sa Pagpapautang) ang mga nagpapautang na partikular na isiwalat sa iyo ang tungkol sa mahahalagang termino, kabilang ang APR, bago ka legal na magkaroon ng obligasyon sa loan. Dahil ang lahat ng nagpapautang ay kailangang magbigay ng APR, maaari mong gamitin ang APR para paghambingin ang mga loan sa sasakyan. Siguraduhin lamang na inihahambing mo ang mga APR sa mga APR at hindi sa mga antas ng interes

    Itinalaga (Assignee)

    Ang itinalaga (assignee) ay isang indibidwal o kumpanyang bumibili ng iyong loan sa sasakyan. Halimbawa, ang isang nagbebenta ng sasakyan (auto dealer) na nagbigay sa iyo ng credit ay maaaring ibenta ang iyong loan sa isang bangko, kung saan ginagawa nitong itinalaga ang bangko. May pagkakautang kang pera sa sinumang bumili ng iyong loan. May lien ang itinalaga sa sasakyan at maaari nitong bawiin ito (repossess) kung hindi ka magbabayad.

    Pangunahing presyo (Base price)

    Ang pangunahing presyo (base price) ay ang presyo ng sasakyan na walang opsyon.

    Magbasa nang higit pa (sa Ingles)

    Antas sa pagbili (Buy rate)

    Ang antas sa pagbili (buy rate) ay ang antas ng interes na kino-quote ng potensyal na magpapautang sa iyong dealer kapag nag-a-apply ka para sa pagpipinansyang isinaayos ng dealer.

    Magbasa nang higit pa (sa Ingles)

    Kasamang lumagda (Co-signer)

    Ang kasamang lumagda (co-signer) ay isang indibidwal—tulad ng magulang, malapit na kapamilya, o kaibigan—na nangangakong babayaran ang loan kung hindi mo ito magagawa. Maaari itong maging isang pakinabang para sa iyo at sa nagpapautang sa iyo. Inaako ng kasamang lumagda ang buong responsibilidad na bayaran ang loan. Ang pagkakaroon ng kasamang lumagda sa iyong loan ay nagbibigay sa nagpapautang sa iyo ng dagdag na katiyakan na mababayaran ang loan. Kung hindi mo babayaran ang iyong loan, mananagot ang kasamang lumagda sa pagbabayad kahit na hindi siya kailanman nagmaneho ng iyong sasakyan. Kung may humiling sa iyong maging kasamang lumagda sa isang loan, kailangan mong isaalang-alang kung paano nito maaapektuhan ang iyong kalagayang pinansyal.

    Credit insurance

    Ang credit insurance ay opsyonal na insurance na maaaring magbayad para sa iyong sasakyan sa nagpapautang sa iyo sa ilang sitwasyon, tulad ng kung ikaw ay namatay o nagkaroon ng kapansanan. Kung isinasaalang-alang mo ang credit insurance, siguraduhing nauunawaan mo ang mga tuntunin ng polisang inaalok. Kung nagpasya kang kailangan mo ng insurance, maaaring may mga mas murang paraan para makakuha ka ng coverage sa halip na bumili ng credit insurance at idagdag ito sa iyong loan sa sasakyan. Halimbawa, maaaring mas mura ang life insurance kaysa sa credit life insurance at pinahihintulutan nito ang iyong pamilya na bayaran ang iba pang mga gastusin bukod sa iyong loan sa sasakyan.

    Mga produkto ng pagkansela o pagsuspindi ng utang (Debt cancellation or suspension products)

    Naghahandog ang ilang nagbebenta ng sasakyan at pati na rin ang ibang mga bangko at credit union ng mga produkto o insurance ng “pagkansela ng utang” at “pagsuspindi ng utang” sa ilalim ng iba't ibang pangalan. Halos katulad ng mga produktong ito ang credit insurance pagdating sa ginagampanan nito, ngunit maaaring naiiba ang mga singil at iba pang tampok.

    Magbasa nang higit pa (sa Ingles)

    Natitirang balanse (Deficiency balance)

    Kung na-repossess at naibenta ang iyong sasakyan, maaaring managot ka sa pagbabayad ng resulta ng pagbawas ng halagang natitira sa iyong loan (pati ang mga singil sa pag-repossess) sa presyo noong ibinenta ito. Ito ay tinatawag na “natitirang balanse” (“deficiency balance”).

    Down payment

    Ang down payment ay ang pauna at agad na ibinabayad mo tungo sa kabuuang halaga ng sasakyan. Ang iyong down payment ay maaaring cash, halaga ng ipinalit na ibang sasakyan, o pareho. Kung mas marami kang ipapang-down, mas kaunti ang kakailanganin mong hiramin. Maaaring makabawas ang mas malaking down payment sa iyong buwanang bayarin at sa kabuuang halaga ng iyong pagpipinansya.

    Pinalawig na warranty o kontrata ng serbisyo sa sasakyan (Extended warranty or vehicle service contract)

    Saklaw ng pinalawig na warranty (extended warranty) o kontrata ng serbisyo sa sasakyan (vehicle service contract) ang mga gastos sa ilang uri ng pagkukumpuni bukod sa o pagkaraang matapos ang warranty ng tagamanupaktura.

    Magbasa nang higit pa (sa Ingles)

    Departamento ng pinansya at insurance (Finance and insurance department)

    Kung bumili ka ng sasakyan sa isang dealership, maaari kang i-refer ng nagbebenta sa isang tao sa F&I (Pinansya at Insurance) o sa opisina ng negosyo. Bahagi ito ng dealership na nagbebenta ng mga loan at mga opsyonal na idadagdag sa mga customer pagtapos nilang sumang-ayon sa pagbili ng sasakyan sa dealership.

    Magbasa nang higit pa (sa Ingles)

    Pagpipinansya sa hindi nagbabagong antas (Fixed-rate financing)

    Ang pagpipinansya sa hindi nagbabagong antas (fixed-rate financing) ay nangangahulugang hindi nagbabago ang antas ng interes sa iyong loan sa kabuuan ng itatagal ng iyong loan. Sa hindi nagbabagong antas, maaari mong makita ang iyong kabayaran para sa bawat buwan at ang kabuuang babayaran mo sa kabuuan ng itatagal ng loan. Maaaring mas naisin mo ang pagpipinansya sa hindi nagbabagong antas kung hinahanap mo ang pagbabayad sa loan na hindi magbabago. Ang pagpipinansya sa hindi nagbabagong antas ay isang uri ng pagpipinansya. Ang isa pang uri ay ang pagpipinansya sa nagbabagong antas.

    Sadyang inilagay na insurance (Force-placed insurance)

    Upang makakuha ng loan para makabili ng sasakyan, kailangan mong magkaroon ng insurance para masaklaw ang mismong sasakyan. Kung hindi ka nakakuha ng insurance o hinayaan mong mag-lapse ang iyong insurance, karaniwang binibigyan ng kontrata ang nagpapautang ng karapatang kumuha ng insurance para masaklaw ang sasakyan. Ang insurance na ito ay tinatawag na “sadyang inilagay na insurance” (“force-placed insurance”).

    Magbasa nang higit pa (sa Ingles)

    Insurance na Ginarantiyahang Proteksyon sa Sasakyan (GAP) (Guaranteed Auto Protection (GAP) insurance)

    Saklaw ng GAP insurance ang resulta ng pagbawas (o puwang) sa pagitan ng halaga ng pagkakautang mo sa iyong loan sa sasakyan at kung ano ang binabayaran ng iyong insurance kung ninakaw, nasira, o lubusang nawasak ang iyong sasakyan. Hindi mo kailangang bilhin ang insurance na ito, ngunit magtingin-tingin kung nagpasya kang gusto mo nito. Ang mga nagpapautang ay maaaring magtakda ng iba't ibang presyo para sa produktong ito.

    Antas ng interes (Interest rate)

    Ang antas ng interes (interest rate) ng loan sa sasakyan ay ang halagang binabayaran mo sa bawat taon para humiram ng perang ipinapakita bilang porsyento. Hindi kasama sa antas ng interes ang mga singil na ipinapataw para sa loan.

    Ang APR at antas ng interes ng loan sa sasakyan ay dalawa sa pinakamahahalagang panukat sa presyong binabayaran mo para sa paghiram ng pera. Inaatasan ng pederal na Truth in Lending Act (TILA, Batas sa Katotohanan sa Pagpapautang) ang mga nagpapautang na partikular na isiwalat sa iyo ang tungkol sa mahahalagang termino, kabilang ang APR, bago ka legal na magkaroon ng obligasyon sa loan. Dahil ang lahat ng nagpapautang ay kailangang magbigay ng APR, maaari mong gamitin ang APR para paghambingin ang mga loan sa sasakyan. Siguraduhin lamang na inihahambing mo ang mga APR sa mga APR at hindi sa mga antas ng interes.

    Termino at itatagal ng loan (Loan term or duration)

    Ito ang haba ng iyong loan sa sasakyan na karaniwang nakatakda sa bawat buwan. Ang maikling termino ng loan (kung saan magbabayad ka buwan-buwan sa mas kaunting buwan) ay babawas sa kabuuang halaga ng iyong loan. Maaaring mabawasan sa mas mahabang loan ang buong buwanang kabayaran, ngunit magbabayad ka ng mas higit pang interes sa kabuuang itatagal ng loan. Ang mas matagal na loan ay naglalagay sa iyo sa panganib na magkaroon ng negatibong equity, kung saan mas malaki ang pagkakautang mo sa sasakyan kaysa sa halaga ng sasakyan.

    Ratio ng loan sa halaga (Loan-to-value ratio)

    Ang ratio ng loan sa halaga (LTV) ay ang kabuuang halaga sa dolyar ng iyong loan na hinati ng aktuwal na halaga sa pera (ACV) ng iyong sasakyan. Karaniwan itong ipinapakita bilang porsyento. Binabawasan ng iyong down payment ang ratio ng loan sa halaga ng iyong loan.

    Magbasa nang higit pa (sa Ingles)

    Arbitrasyong kailangang sumunod sa batas (Mandatory binding arbitration)

    Sa pamamagitan ng paglagda sa kontratang may probisyong arbitrasyong kailangang sumunod sa batas (mandatory binding arbitration), sumasang-ayon kang resolbahin ang anumang mga hindi pagkakasundo tungkol sa kontrata sa harap ng isang arbitrador na nagpapasya sa hindi pagkakasundo sa halip na ang hukom. Maaari ka ring sumang-ayon na ipagpaliban ang iba pang mga karapatan, tulad ng iyong kakayahang iapela ang desisyon o sumali sa isang pagsasampa ng kaso ng grupo (class action suit).

    Magbasa nang higit pa (sa Ingles)

    Mga insentibo ng tagamanupaktura (Manufacturer incentives)

    Ang mga insentibo ng tagamanupaktura ay mga espesyal na deal, tulad ng 0% pagpipinansya o mga cash rebate na maaaring nakita mong inaanunsyo para sa mga bagong sasakyan. Kadalasan, inaalok lamang ang mga ito para sa mga partikular na modelo.

    Magbasa nang higit pa (sa Ingles)

    Retail na Presyong Iminumungkahi ng Tagamanupaktura (MSRP) (Manufacturer Suggested Retail Price (MSRP))

    Ang Retail na Presyong Iminumungkahi ng Tagamanupaktura (MSRP) ay ang presyong iminumungkahi ng tagagawa ng sasakyan – ang tagamanupaktura – na hinihingi ng nagbebenta para sa sasakyan.

    Magbasa nang higit pa (sa Ingles)

    Negatibong equity (Negative equity)

    Kung may pagkakautang ka na higit pa sa kasalukuyan mong loan sa sasakyan kaysa sa halaga nito—na tinatawag na “nakabaligtad” (upside down)—mayroon kang negatibong equity. Sa madaling salita, kung sinubukan mong ibenta ang iyong sasakyan, hindi mo makukuha ang pagkakautang mo rito. Halimbawa, sabihin nating may pagkakautang kang $10,000 sa iyong loan sa sasakyan at ang halaga ng iyong sasakyan ngayon ay $8,000. Ito ay nangangahulugang mayroon kang negatibong equity na $2,000. Kakailanganing bayaran ang negatibong equity na iyon kung gusto mong ipagpalit ang iyong sasakyan at kumuha ng loan sa sasakyan para bumili ng panibago.

    Loan sa sasakyan na walang credit check o “bumili rito, magbayad dito”

    Ang loan sa sasakyan na walang credit check o “bumili rito, magbayad dito” ay inaalok ng mga dealership na karaniwang mga pinansyang loan sa sasakyan sa mismong dealership para sa mga nangungutang na walang credit o may mahinang credit.

    Magbasa nang higit pa (sa Ingles)

    Principal

    Ang principal ay ang perang una mong sinang-ayunang bayaran.

    Karaniwan, anumang ibinayad sa isang loan sa sasakyan ay ilalapat muna sa anumang mga singil na dapat bayaran (halimbawa, mga singil sa nahuling pagbayad). Pagkatapos, ilalapat ang natitirang pera mula sa iyong ibinayad sa anumang interes na dapat bayaran, kabilang ang dapat bayarang dating interes, kung naaangkop. Ang natitira sa iyong kabayaran ay ilalapat sa balanseng prinsipal ng iyong loan.

    Pagpepresyong nakabatay sa panganib (Risk-based pricing)

    Nangyayari ang pagpepresyong nakabatay sa panganib kapag nag-aalok ang mga nagpapautang sa iba't ibang mamimili ng iba't ibang antas ng interes o iba pang mga termino ng loan, batay sa tinantiyang panganib na hindi makakapagbayad sa kanilang mga loan ang mga mamimili.

    Magbasa nang higit pa (sa Ingles)

    Kabuuang gastos (Total cost)

    Ito ang kung magkano ang babayaran mo para mabili ang iyong sasakyan, kabilang ang principal, interes, at anumang down payment o pamalit, sa kabuuang itatagal ng loan.

    Pagsisiwalat na Katotohanan sa Pagpapautang (Truth in Lending disclosure)

    Iniaatas ng pederal na Truth in Lending Act (Batas sa Katotohanan sa Pagpapautang)—o “TILA” sa maikling salita—na tumanggap ang mga nangungutang ng mga nakasulat na pagsisiwalat tungkol sa mahahalagang tuntunin ng credit bago nila bayaran ang loan na alinsunod sa batas. Alamin pa ang tungkol sa impormasyong kasama sa iyong pagsisiwalat na TILA at kung kailan mo ito dapat matanggap o mapag-aralan.

    Pagpipinansya sa nagbabagong antas (Variable-rate financing)

    Ang pagpipinansya sa nagbabagong antas ay kung saan ang antas ng interes sa iyong loan ay maaaring magbago, batay sa pangunahing antas o iba pang antas na tinatawag na “index.” Sa loan na may nagbabagong antas, ang antas ng interes sa loan ay nagbabago sa tuwing nagbabago ang antas ng index, na ibig sabihin, maaari itong tumaas o bumaba. Dahil maaaring tumaas ang iyong antas ng interes, maaari ring tumaas ang binabayaran mo buwan-buwan. Kung mas mahaba ang termino ng loan, maaaring mas mapanganib ang loan na may iba't ibang antas para sa nangungutang, dahil may mas maraming pagkakataon para tumaas ang mga antas. Ang pagpipinansya sa nagbabagong antas ay isang uri ng pagpipinansya. Ang isa pang uri ay ang pagpipinansya sa hindi nagbabagong antas.

    Insurance na Nag-iisang Interes ng Nagbebenta (VSI) (Vendor's Single Interest (VSI) insurance)

    Pinoprotektahan ng VSI insurance ang nagpapautang, ngunit hindi ikaw, sakaling masira o mawasak ang sasakyan.

    Magbasa nang higit pa (sa Ingles)

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    Automated Clearing House (ACH)

    Ang awtorisasyong Automated Clearing House (ACH) ay awtorisasyon sa kabayaran na nagbibigay sa nagpapautang ng pahintulot na kunin ang pera sa elektronikong paraan mula sa iyong bangko, credit union, o prepaid card account kapag dapat ka nang magbayad. Maaari mong bawiin ang awtorisasyong ito.

    Awtomatikong debit na pagbabayad (Automatic debit payment)

    Sa mga awtomatikong debit, ibinibigay mo ang iyong pahintulot sa kumpanya na kumuha ng mga kabayaran nang direkta mula sa iyong account sa bangko. Naiiba ito sa feature na nauulit na bill-pay na inihahandog ng iyong bangko. Sa nauulit na bill-pay, binibigyan mo ang iyong bangko o credit union ng pahintulot na magpadala ng mga kabayaran sa kumpanya.

    Sertipiko ng deposito (CD) (Certificate of deposit (CD))

    Ang Sertipiko ng Deposito, o CD, ay isang espesyal na uri ng savings account na hinahandog ng mga bangko at credit union. Karaniwang itinatabi mo ang iyong mga pondo sa CD para sa tinukoy na haba ng panahon upang maiwasan ang mga parusa.

    Magbasa nang higit pa (sa Ingles)

    Rollover ng sertipiko ng deposito (CD) (Certificate of deposit (CD) rollover)

    Maaaring mangyari ang isang rollover o renewal sa katapusan ng termino ng isang CD.

    Magbasa nang higit pa (sa Ingles)

    Demand draft

    Ang demand draft ay nagpapahintulot sa isang taong i-withdraw ang pera mula sa iyong checking account nang wala ang iyong pirma.

    Magbasa nang higit pa (sa Ingles)

    Deposit hold

    Ang haba ng panahong hinahawakan ng bangko o credit union ang mga pondong idineposito mo sa pamamagitan ng tseke ay paminsan-minsang tinutukoy bilang “deposit hold” o “check hold ”. Maaaring gawing available ng ilang bangko o credit union ang mga pondo nang mas mabilis kaysa sa iniaatas ng batas, at ang ilan ay maaaring pabilisin ang pagiging available ng mga pondo na may singil.

    Fiduciary

    Ang fiduciary ay isang taong namamahala ng pera o ari-arian para sa ibang tao. Kapag ikaw ay pinangalanang fiduciary, inaatasan ka ng batas na pamahalaan ang pera at ari-arian ng tao para sa ikapakikinabang niya at hindi mo.

    Guardian of property

    Ang guardian of property ay isang taong pinangalanan ng hukuman para pamahalaan ang pera at ari-arian ng ibang tao na natagpuan ng hukuman na hindi kayang pamahalaan ang sariling pera at ari-arian nang mag-isa.

    Magbasa nang higit pa (sa Ingles)

    Numero ng pagkakakilanlan ng indibidwal na nagbabayad ng buwis (ITIN) (Individual taxpayer identification number (ITIN))

    Ang ITIN ay isang numero ng pagkakakilanlan na nakukuha mo sa Serbisyo ng Rentas Internas (Internal Revenue Service). Makukuha lamang ang ITIN ng ilang hindi residente at residenteng alien, kanilang asawa, at dependent na hindi makakakuha ng Numero ng Social Security.

    Joint account

    Kung gusto mong pahintulutan ang isang kaibigan o miyembro ng pamilya na sumulat ng mga tseke at gumawa ng mga deposito sa ngalan mo, maaari mong isaalang-alang ang pagbukas ng joint account. Karaniwan, ang bawat isang nakapangalan ang joint account ay maaaring sumulat ng tseke, mag-withdraw ng pera, gumawa ng mga transaksyon, maglipat ng mga pondo, o magsara ng account. Kung ang isa sa mga may hawak ng account ay may pagkakautang na pera, maaaring subukan ng creditor na mangolekta mula sa perang nasa joint account sa bangko.

    Money market account

    Ang money market account ay isang espesyal na uri ng account na hinahandog ng mga bangko at credit union.

    Magbasa nang higit pa (sa Ingles)

    Mga singil sa mga hindi sapat na pondo (NSF) (Non-sufficient funds (NSF) fees)

    Ang singil sa NSF o hindi sapat na pondo ay maaaring mangyari kapag hindi nabayaran ang iyong tseke o elektronikong awtorisasyon dahil sa kakulangan ng mga pondo sa iyong account. Karaniwang tinutukoy ito bilang “ibinalik” o “tumalbog” na tseke.

    Overdraft

    Nangyayari ang overdraft kapag wala kang sapat na pera sa iyong account para bayaran ang transaksyon, ngunit binabayaran pa rin ng bangko ang transaksyon sa kabila nito. Maaari kang labis na mag-withdraw sa iyong account sa pamamagitan ng mga tseke, transaksyon sa ATM, mga pagbili gamit ang debit card, awtomatikong pagbayad sa bayarin, at elektroniko o personal na pag-withdraw.

    Maraming bangko at credit union ang naghahandog ng mga programa ng proteksyon sa overdraft kung saan karaniwang binabayaran ng bangko o credit union ang transaksyon at pinapatawan ka ng singil (bukod sa pag-aatas ng pagbayad sa halaga ng overdraft). Maaari ring mabayaran ang mga overdraft sa pamamagitan ng pag-transfer ng mga pondo mula sa naka-link na account, credit card, o line of credit.

    Personal na line of credit (Personal line of credit)

    Ang personal na line of credit ay isang loan na maa-access mo paminsan-minsan. Sumusulat ka ng mga espesyal na tseke o humihiling ng pag-transfer sa iyong checking account sa pamamagitan ng telepono o online.

    Katulad ng account ng credit card, mayroon kang credit limit, tumatanggap ng buwanang bill, gumagawa ng pinakamababang kabayaran, nagbabayad ng interes batay sa natitira mong balanse, at maaaring magbayad ng singil sa bawat pagkakataong ginagamit mo ang account.

    Ang mga personal na line of credit ay hindi ligtas, hindi tulad ng mga Home Equity Line Of Credit (HELOC), na sinusuportahan ng mortgage sa iyong tirahan. Ang mga personal line of credit ay inihahandog ng mga bangko at credit union at karaniwang nag-aatas na magkaroon ka rin ng checking account sa parehong institusyon.

    Power of attorney

    Ang power of attorney (POA) ay isang legal na dokumentong nagpapahintulot sa isang taong kumilos sa ngalan mo. Ang paggawa ng POA ay isang paraan para maghirang ng humahaliling tagagawa ng desisyon; karaniwan ay hindi mamahalin ng halaga nito, bagaman maaaring kakailanganin ang tulong ng isang abogado.

    Maaaring gamitin ang pinansyal na POA bilang kasangkapan sa pagpaplano para sa kawalan ng kapasidad sa hinaharap – ang kawalan ng kakayahang gumawa ng mga pinansyal na desisyon dahil, halimbawa, sa dementia, traumatic brain injury, o iba pang kapansanang nakakaapekto sa paggana ng utak. Kapag ginagamit para sa paunang pagpaplano, karaniwang “durable” ang POA na nangangahulugang patuloy itong magkakaroon ng bisa kahit nawalan na ng kapasidad ang taong gumawa nito. Patuloy na magbasa upang matutunan pa ang tungkol sa power of attorney (POA).

    Representative payee

    Naghihirang ang Pangasiwaan ng Seguridad na Panlipunan (SSA) ng isang indibidwal upang maging representative payee para sa isang taong nangangailangan ng tulong sa pamamahala ng kanyang mga benepisyong kabayaran mula sa Social Security o Karagdagang Kitang Panseguridad (SSI). Mapapamahalaan lamang ng representative payee ang mga benepisyong tsekeng binabayaran ng SSA. Kung ang taong tumatanggap ng mga benepisyo ay may iba pang pera o ari-arian na hindi niya kayang pamahalaan, kailangang magkaroon ang representative payee ng legal na awtoridad mula sa iba pang mapagkukunan upang mapamahalaan ang iba pang mga pondo. Halimbawa, maaari ring hirangin ng hukuman ang representative payee bilang guardian of property. Bilang Social Security representative payee, ikaw ang fiduciary.

    Para sa karagdagang impormasyon tungkol sa mga representative payee, basahin ang gabay na ito tungkol sa pamamahala sa pera ng iba.

    Mababawing living trust (Revocable living trust)

    Ang mababawing living trust ay isang legal na dokumentong nagbibigay sa iyo ng awtoridad na gumawa ng mga desisyon tungkol sa pera o ari-arian ng ibang tao na hinahawakan bilang trust.

    Magbasa nang higit pa (sa Ingles)

    Social Security representative payee

    Ang representative payee ay hinirang ng Pangasiwaan ng Seguridad na Panlipunan (Social Security Administration) para sa isa pang taong nangangailangan ng tulong sa pamamahala ng kanilang mga benepisyong kabayaran mula sa Social Security o Karagdagang Kitang Panseguridad (Supplemental Security Income).

    Magbasa nang higit pa (sa Ingles)

    VA fiduciary

    Ang fiduciary ay isang taong namamahala sa pera o ari-arian para sa ibang tao. Nagtatalaga ang Kagawaran ng mga Gawain para sa mga Beterano (VA) ng mga VA fiduciary upang mapamahalaan ang mga benepisyo ng mga beterano para mga taong hindi kayang pamahalaan nang mag-isa ang mga sariling pondo.

    Magbasa nang higit pa (sa Ingles)

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    Taunang porsyento ng singil (APR) (Annual percentage rate (APR))

    Ang APR, o ang taunang porsyento ng singil, ay ang pamantayang paraan para paghambingin kung magkano ang mga loan. Binibigyan ka nito ng pagkakataong paghambingin ang halaga ng mga produktong magkakatulad. Kailangang isiwalat ng kumpanya ng iyong credit card ang APR bago ka sumang-ayon sa paggamit ng card.

    Para makalkula ang APR, inihahambing ang antas at mga singil ng interes sa halagang hinihiram mo at kinakalkula ito sa loob ng isang taong panahon. Nagbibigay ito sa iyo ng pagkakataong paghambingin ang mga halaga ng credit card sa loan na hinuhulugan ng anim na buwan. Ito rin ang dahilan kung bakit madalas na naiiba ang mga APR sa mga simpleng antas ng interes.

    Balance transfer

    Ang balance transfer ay nagpapahintulot sa iyong ilipat ang natitirang balanse mula sa isang credit card patungo sa iba, na paminsan-minsan ay may singil. Ang singil ay karaniwang ilang porsyento ng halagang tina-transfer mo o hindi nagbabagong halaga, alinman ang mas malaki. Maraming kumpanya ng credit card ang naghahandog ng zero porsyento o mababang interes na mga balance transfer upang imbitahan kang pag-isahin ang iyong utang sa iisang credit card. Ang promosyonal na antas ng interes para sa karamihan sa mga balance transfer ay nagtatagal sa limitadong panahon. Pagkatapos noon, maaaring tumaas ang antas ng interes sa bago mong credit card, na magtataas din sa babayaran mong halaga.

    Kung mahigit 60 araw ka nang nahuhuli sa pagbabayad, maaaring taasan ng kumpanya ng credit card ang antas ng interes sa lahat ng balanse, kabilang ang nai-transfer na balanse.

    Credit balance

    Ang credit balance sa iyong billing statement ay ang halaga ng pagkakautang sa iyo ng nag-isyu ng card.

    Idinadagdag ang mga credit sa iyong account sa bawat pagkakataong nagbabayad ka. Maaari rin itong idagdag kapag may ibinabalik ka na binili mo gamit ang credit card o dahil sa rewards na nakuha mo o pagkakami sa naunang bill. Kung ang kabuuan ng mga credit ay lumampas sa halagang pagkakautang mo, makikita sa statement ang credit balance.

    Magbasa nang higit pa (sa Ingles)

    Pang-araw-araw na pana-panahong antas (Daily periodic rate)

    Kinakalkula ng ilan sa mga nag-iisyu ng card ang interes sa account gamit ang pang-araw-araw na pana-panahong antas ng interes, na ginagamit para kalkulahin ang interes sa pamamagitan ng pag-multiply ng antas sa halagang pagkakautang sa katapusan ng araw. Pagkatapos ay idinadagdag ang halaga ng interes na ito sa balanse ng nakaraang araw, na nangangahulugang ikino-compound ang interes araw-araw.

    Grace period

    Ang grace period ay ang panahon sa pagitan ng katapusan ng billing cycle at ang petsang kailangan mong magbayad. Sa panahong ito, maaari kang hindi mapatawan ng interes hangga't binabayaran mo ang iyong balanse nang buo hanggang sa itinakdang petsang dapat magbayad. Hindi kinakailangang magbigay ang mga kumpanya ng credit card ng grace period. Gayunpaman, karamihan sa mga credit card ay nagbibigay ng grace period sa mga pagbili.

    Magbasa nang higit pa (sa Ingles)

    Antas ng interes (Interest rate)

    Ang antas ng interes ng isang credit card ay ang presyong binabayaran mo sa paghiram ng pera. Para sa mga credit card, karaniwang nakasaad ang mga antas ng interes bilang taunang antas, at ito ay tinatawag na taunang porsyento ng singil (APR). Sa karamihan ng mga card, maiiwasan mo ang pagbabayad ng interes sa mga pinamili kung babayaran mo ang buong balanse sa bawat buwan hanggang sa itinakdang petsang dapat magbayad.

    Ang prescreened na alok na credit card (Prescreened credit card offer)

    Ang prescreened na alok na credit card ay kapag ginagamit ng mga kumpanya ng credit card ang impormasyon mula sa mga kumpanyang nag-uulat ng credit para gumawa ng matatag na alok ng credit sa iyo kung natutugunan ng iyong credit history ang mga pamantayang pinili ng kumpanya ng card.

    Magbasa nang higit pa (sa Ingles)

    Hindi awtorisadong paggamit (Unauthorized use)

    Kawaniwan, ang hindi awtorisadong paggamit ay ang paggamit ng credit card ng isang taong walang karapatang gumamit ng card. Halimbawa, kung nawala ang iyong card at nahanap ito at ginamit ng isang tao, iyon ay magiging hindi awtorisadong paggamit.

    Magbasa nang higit pa (sa Ingles)

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    Credit inquiry

    Ang inquiry ay tumutukoy sa paghiling na tingnan ang iyong credit file, at karaniwan itong napapailalim sa dalawang uri.

    Magbasa pa

    Credit invisible

    Noong 2015, kami ay naglathala ng ulat kung saan natagpuan namin na 26 na milyong Amerikano ay “credit invisible”. Ipinapahiwatig sa numerong ito na isa sa bawat sampung nasa hustong gulang ay walang anumang credit history sa isa sa tatlong kumpanya para sa credit report sa buong bansa. Ang karagdagang 19 na milyong mamimili ay may mga credit file na “hindi mabigyan ng score” na nangangahulugang manipis ang kanilang file at walang sapat na credit history (9.9 milyon) o mayroon silang mga luma nang file at kulang ng anumang credit history kamakailan (9.6 milyon). Sa kabuuan, mayroong 45 milyong mamimili na tinanggihan ng access sa credit dahil wala silang mga credit record na maaaring mabigyan ng score. Ang mga taong credit invisible o hindi mabigyan ng score ay karaniwang walang access sa kalidad na credit at maaaring maharap sa iba't ibang problema, mula sa pagsubok sa kumuha ng credit pati na rin sa pag-lease ng apartment.

    Credit monitoring service

    Ang credit monitoring service ay isang pangkomersyong serbisyong nagpapataw sa iyo ng singil upang masubaybayan ang iyong mga credit report at alertuhan ka sa mga pagbabago sa mga account na nakalista sa iyong credit report.

    Magbasa nang higit pa (sa Ingles)

    Credit report

    Ang credit report ay isang pahayag na may impormasyon tungkol sa aktibidad ng iyong credit at kasalukuyang sitwasyon ng iyong credit tulad ng kasaysayan ng pagbabayad ng loan at katayuan ng iyong mga credit account.

    Kumpanya para sa credit report (Credit reporting company)

    Ang mga kumpanya para sa credit report, na kilala rin bilang mga credit bureau o mga ahensyang nag-uulat tungkol sa mamimili, ay mga kumpanyang lumilikom at nagbebenta ng mga credit report.

    Credit score

    Sa credit score nalalaman kung gaano kasigurong mababayaran mo ang loan sa oras. Ginagamit ng mga kumpanya ang pormulang pangmatematika—na tinatawag na modelo ng pag-score—para lumikha ng iyong credit score mula sa impormasyon sa iyong credit report. Mahalagang malaman na hindi lamang “iisang” credit score ang mayroon ka at mayroong maraming credit score na makukuha mo, pati na rin sa mga nagpapautang. Ang anumang credit score ay nakadepende sa datosa na ginamit para kalkulahin ito, at maaaring magkakaiba depende sa modelo ng pag-score, pinagmulan ng iyong credit history, uri ng produkto ng loan, at maging ang araw kung kailan ito kinalkula.

    Fair Credit Reporting Act

    Itinataguyod ng pederal na Fair Credit Reporting Act (FCRA, Batas sa Patas na Pag-uulat ng Credit) ang kawastuhan, pagiging patas, at pagkapribado ng impormasyon sa mga file ng mga ahensyang nag-uulat tungkol sa mamimili. Mayroong maraming uri ng ahensyang nag-uulat tungkol sa mamimili, kabilang ang mga credit bureau at mga ahensyang may espesyalidad (tulad ng mga ahensyang nagbebenta ng impormasyon tungkol sa mga kasaysayan ng pagsulat ng tseke, medikal na rekord, at rekord ng kasaysayan ng pag-upa). Alamin pa ang tungkol sa iyong mga pangunahing karapatan sa ilalim ng FCRA .

    FICO score

    Ang FICO® score ay isang partikular na tatak ng credit score.

    Magbasa nang higit pa (sa Ingles)

    Fraud alert

    Ang fraud alert ay nag-aatas sa mga creditor na tingnan ang iyong credit report upang gumawa ng mga hakbang upang maberipika ang iyong pagkakakilanlan bago magbukas ng panibagong account, mag-isyu ng karagdagang card, o pataasin ang credit limit sa kasalukuyang account batay sa kahilingan ng mamimili. Kapag nagtakda ka ng fraud alert sa iyong credit report sa isa sa mga kumpanya para sa credit report sa buong bansa, kailangan nitong abisuhan ang iba. May dalawang pangunahing uri ng fraud alert: ang mga paunang fraud alert at mga pinalawig na fraud alert.

    Pagsubaybay sa pagkakakilanlan o proteksyon sa identity theft (Identity monitoring or identity theft proection)

    Sinusubaybayan ng mga serbisyo sa identity theft ang personal na matutukoy na impormasyon sa mga aplikasyon sa credit, pampublikong rekord, website, at iba pang mga lugar para sa anumang kakaibang aktibidad na maaaring mga palatandaan ng identity theft.

    Magbasa nang higit pa (sa Ingles)

    Identity theft

    Nangyayari ang identity theft kapag may isang taong nagnakaw ng iyong pagkakakilanlan upang manloko. Ang pagnanakaw ng iyong pagkakakilanlan ay maaaring mangahulugang paggamit ng personal na impormasyon nang wala ang iyong pahintulot, tulad ng:

    • Iyong pangalan
    • Numero ng Social Security
    • Numero ng credit card

    Active duty alert sa militar (Military active duty alert)

    Ang mga miyembro ng militar (tulad ng mga miyembro ng Marines, Army, Navy, Air Force, at Coast Guard) ay maaaring humiling ng active duty alert. Kapag nagtakda ka ng active duty alert sa iyong credit report, kailangang gumawa ng mga makatuwirang hakbang ang mga creditor upang matiyak na ikaw talaga ang taong gumagawa ng kahilingan bago magbukas ng account, mag-isyu ng karagdagang credit card sa kasalukuyang account, o pataasin ang credit limit sa kasalukuyan mong account. Ang mga active duty alert ay nagtatagal ng 12 buwan. Aalisin din ang iyong pangalan sa mga listahang pang-marketing bago masiyasat ng mga kumpanya para sa credit report sa buong bansa para sa mga handog na credit at insurance ng dalawang taon.

    Nabayarang koleksyon (Paid collection)

    Ang nabayarang koleksyon ay isang account na napunta sa mga koleksyon dahil dapat itong bayaran at pagkatapos ay nabayaran na.

    Magbasa nang higit pa (sa Ingles)

    Security freeze

    Sa “security freeze” sa iyong credit report, naiiwasang i-access ng mga bagong creditor ang iyong credit file, pati na rin ang pagbukas ng ibang tao ng mga account sa pangalan mo hanggang sa alisin mo ang pagka-freeze nito. Dahil karamihan sa mga negosyo ay hindi magbubukas ng mga credit account nang hindi tinitingnan ang iyong credit report, mapipigilan ng freeze ang mga magnanakaw ng pagkakakilanlan na magbukas ng mga bagong account na nakapangalan sa iyo.

    May espesyalidad na kumpanyang nag-uulat tungkol sa mamimili (Specialty consumer reporting company)

    Ang mga may espesyalidad na kumpanyang nag-uulat tungkol sa mamimili ay nangongolekta at nagbabahagi ng impormasyon tungkol sa kasaysayan ng iyong trabaho, kasaysayan ng transaksyon sa negosyo o kasaysayan ng pagbabayad para sa partikular na produkto o serbisyo.

    Ulat ng pagsasala sa nangungupahan (Tenant screening report)

    Isang ulat na ginagamit ng mga nagpapaupa upang makatulong sa paggawa ng mga desisyon sa mga posibleng mangungupahan. Ang ulat ng pagsasala sa nangungupahan ay maaaring maglaman ng impormasyon mula sa maraming mapagkukunan kabilang ang kasaysayan ng pag-upa at mga credit report.

    Magbasa nang higit pa (sa Ingles)

    Manipis na credit file / Walang credit file (Thin credit file / No credit file)

    Ang manipis na credit file o walang credit file ay nangangahulugan na ang isang indibidwal ay walang credit history o hindi sapat ang kasalukuyang credit history para makabuo ng credit score. Tingnan ang Credit invisible

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    Credit counselor

    Makakatulong ang mga credit counselor sa mga sumusunod:

    • Payuhan ka pagdating sa pamamahala ng iyong pera at mga utang
    • Tulungan kang bumuo ng badyet
    • Kadalasang naghahandog ng mga libreng materyal at workshop na pang-edukasyon
    • Karaniwan, ang mga credit counselor ay sertipikado at sinanay sa mga aspeto ng credit ng mamimili, pamamahala ng pera at utang, at pagbabadyet. Tinatalakay sa iyo ng mga counselor ang kabuuan ng iyong pinansyal na kalagayan, at tinutulungan kang bumuo ng isang personalisadong plano para lutasin ang mga problema mo sa pera. 

    Patakaran sa pagkolekta ng utang (Debt Collection Rule)

    Naglabas ang CFPB ng “mga patakaran” na nagkabisa noong Nobyembre 30, 2021 na naglilinaw at nagbibigay ng interpretasyon sa pederal na Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang).

    Magbasa pa 

    Tagakolekta ng utang (Debt collector)

    Sa ilalim ng pederal na Fair Debt Collection Practices Act (Batas sa mga Patas na Gawain ng pagkolekta ng utang), ang tagakolekta ng utang ay karaniwang isang tao o kumpanyang regular na nangongolekta ng mga utang na pagkakautang sa iba, at madalas ay kapag matagal nang hindi pa nababayaran ang mga utang na iyon.

    Kabilang sa mga tagakolekta ng utang ang mga ahensyang tagakolekta o mga abogadong nangongolekta ng mga utang bilang bahagi ng kanilang negosyo. May mga kumpanya ring bumibili ng mga utang na matagal nang hindi pa nababayaran mula sa mga creditor o ibang mga negosyo at pagkatapos ay sinusubukang kolektahin ang mga ito. Ang mga tagakolekta ng utang na ito ay tinatawag ding mga ahensyang tagakolekta ng utang, kumpanyang tagakolekta ng utang, o tagabili ng utang. 

    Mga serbisyo ng pag-areglo ng utang (relief) (Debt settlement (relief) services)

    Ang mga kumpanyang nag-aareglo ng utang ay mga kumpanyang nagsasabing kaya nilang muling makipagnegosasyon, aregluhin, o baguhin sa ibang paraan ang mga tuntunin sa utang ng isang indibidwal sa creditor o tagakolekta ng utang. Maaaring mapanganib ang makiharap sa mga kumpanyang nag-aareglo ng utang.

    Magbasa nang higit pa (sa Ingles) 

    Fair Debt Collection Practices Act (FDCPA)

    Ang Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang) ay ang pangunahing pederal na batas na namamahala sa mga gawain ng pagkolekta ng utang. Pinagbabawalan ng FDCPA ang mga kumpanyang nangongolekta ng utang na gumamit ng mga mapang-abuso, hindi patas o mapanlinlang na gawain upang kolektahin ang utang mula sa iyo. Magbasa nang higit pa (sa Ingles) para sa impormasyon tungkol sa iyong mga karapatan sa ilalim ng FDCPA. 

    Garnishment

    Nangyayari ang garnishment sa sahod o account sa bangko kapag kinuha ng creditor ang bahagi ng iyong suweldo o pera mula sa account sa iyong bangko para kolektahin ang perang pagkakautang mo. Karaniwang nangangailangan ang mga garnishment ng utos ng hukuman na nagreresulta mula sa isang hatol. Gayunpaman, may mga partikular na pagkakautang sa pamahalaan ang maaari ring magresulta sa garnishment, kahit walang hatol.

    May mga limit at “exemption” ang mga batas ng estado at pederal na batas na naaangkop sa mga garnishment sa account sa bangko at sahod, na karaniwan ay upang matiyak na mayroon kang natitirang panggastos sa buhay. Labag din sa Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang) ang manakot ang tagakolekta ng utang na bawasan ang iyong sahod kung hindi maaaring legal na mabawasan ang iyong sahod. 

    Panghaharas ng tagakolekta ng utang (Harassment by a debt collector)

    Sinasabi sa Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang) na ikaw o ang iba pang kinokontak ay hindi maaaring harasin, maliitin, o abusuhin ng mga tagakolekta ng utang.

    Maaaring may iba't ibang uri ng panghaharas ng tagakolekta ng utang. Kabilang sa mga halimbawa ay ang paulit-ulit na pagtawag na ang layunin ay inisin, abusuhin, o harasin ka o ang sinumang taong sumasagot ng telepono; salitang bastos o mura; banta ng karahasan o pamiminsala; paglalathala ng mga listahan ng mga taong tumatangging bayaran ang kanilang mga utang (hindi kasama rito ang pag-uulat ng impormasyon sa kumpanya para sa credit report); at pagtawag sa iyo nang hindi sinasabi sa iyo kung sino sila. 

    Hatol (Judgment)

    Ang hatol ay ang opisyal na resulta ng pagdemanda sa hukuman. Sa mga pagdemanda para sa pagkolekta ng utang, maaaring igawad ng hukom ang hatol sa creditor o tagakolekta ng utang laban sa iyo. Kung hindi mo sasagutin ang legal na reklamo, mawawalan ka ng pagkakataong ipagtanggol ang iyong sarili at maaaring matagpuan mo na lamang na nagpasok na ng hatol laban sa iyo.

    Kung may nagdemanda sa iyo, o kung may kumuha ng hatol laban sa iyo at hindi ka nakatitiyak sa kung ano ang gagawin, makipag-usap sa isang abogado. Ang ilang abogado ay maaaring maghandog ng mga libreng serbisyo o singil na binawasan ang halaga. Maaaring mayroon ding mga tanggapan para sa legal na tulong o mga legal clinic sa iyong lugar na maghahandog ng mga serbisyo nang libre kung matutugunan mo ang ilang pamantayan. Dapat kumonsulta ang mga servicemember sa kanilang lokal na tanggapan ng JAG. 

    Mensaheng limitado ang nilalaman (Limited-Content Message)

    Sa ilalim ng Patakaran sa Pagkolekta ng Utang, ito ang voicemail na mensahe para sa mamimili na kailangang maglaman ng partikular na kinakailangang impormasyon at maaaring maglaman ng iba pang opsyonal na nilalaman.

    Magbasa nang higit pa (sa Ingles) 

    Orihinal na creditor (Original creditor)

    Sa pangkalahatan, ang orihinal na creditor ay ang kumpanyang nagbigay sa iyo ng loan o credit. Maaaring subukan ng orihinal na creditor na kolektahin ang mismong dati nang dapat bayarang credit, o kaya ay maaari silang kumuha ng tagakolekta ng utang. Maaari ring ibenta ng orihinal na creditor ang iyong credit account sa isang tagakolekta ng utang. Ang tagakolekta ng utang ay karaniwang isang ikatlong partido na partikular na kinontrata para mangolekta sa iyong account, o isang taong bumili nito mula sa orihinal na creditor o iba pang tagakolekta ng utang o tagabili ng utang. 

    Statute of limitations

    Ang statute of limitations ay ang limitadong haba ng panahong mayroon ang mga creditor o nangongolekta ng utang na magdemanda para mabawi ang utang. Karamihan sa mga statute of limitations ay napapailalim sa tatlo hanggang anim na taon bagaman maaaring mapalawig ang mga ito sa ibang jurisdiksyon. Maaaring mag-iba ang mga statute of limitations depende sa mga batas ng estado, uri ng utang na mayroon ka, o batas ng estado na binanggit sa kasunduan ng iyong credit. 

    Validation notice

    Ang nangongolekta ng utang ay kailangang magbigay ng partikular na impormasyon kapag nakikipag-ugnayan ito sa unang pagkakataon sa mamimili, o pagkatapos nito. Kapag ibinigay ng nangongolekta ng utang ang kinakailangang impormasyong ito sa paraang elektroniko o nakasulat, ito ay tinatawag na validation notice.

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    Pananamantala sa pananalapi ng matatanda (Elder financial exploitation)

    Ang pananamantala sa pananalapi ng matatanda ay ang ilegal o hindi tamang paggamit ng mga pondo, ari-arian, o mga asset ng isang matanda. Ito ang pinakakaraniwang uri ng pang-aabuso sa matatanda, ngunit kaunting bahagi lamang ng mga insidente nito ang naiuulat.

    Ang mga may sala ay maaaring mga estrangherong nakuha ang tiwala ng matatanda, ngunit maaari rin silang maging mga kapamilya o kaibigan. Mahalagang malaman ang mga palatandaang babala.

    Magbasa nang higit pa (sa Ingles)

    Tulong sa pagkaremata ng tirahan na scam (Foreclosure relief scam)

    Ang mga scam na tulong sa pagkaremata ng tirahan (foreclosure) at pagbabago sa mortgage loan ay mga pakana para makuha ang iyong pera o iyong bahay—madalas sa pamamagitan ng pagbibigay ng huwad na pangako ng pagliligtas sa iyo sa pagkakaremata ng tirahan. Maaaring harap-harapang humingi ng pera ang mga scammer na ito at sabihing ginagarantiya nila na maaari mong mabago ang mga tuntunin sa iyong mortgage. Kung nahihirapan kang magbayad ng mortgage, maaaring kang gabayan nang libre sa mga opsyon ng ahensyang nagpapayo sa pabahay na inaprubahan ng HUD nang libre.

    Fraud alert para makaiwas (Fraud alert for prevention)

    Ang fraud alert ay isang bagay na magagamit mo upang mabawasan ang posibilidad na maging biktima ng identity theft sa bagong account. Inaatasan nito ang mga creditor na tingnan ang iyong credit report upang gumawa ng mga hakbang upang maberipika ang iyong pagkakakilanlan bago magbukas ng panibagong account, mag-isyu ng karagdagang card, o pataasin ang credit limit sa kasalukuyang account. Kapag nagtakda ka ng fraud alert sa iyong credit report sa isa sa mga pambansang credit report na kumpanya, kailangan nitong abisuhan ang iba.

    May dalawang pangunahing uri ng fraud alert: ang mga paunang fraud alert at mga pinalawig na fraud alert. Ang mga miyembro ng militar ay may karagdagang opsyon—mga active duty alert, na nagbibigay sa mga service member ng proteksyon habang sila ay nasa active duty.

    Magbasa nang higit pa (sa Ingles)

    Panloloko ng mga fiduciary (Fraud by fiduciaries)

    Ang fiduciary ay isang taong namamahala sa pera o ari-arian ng iba. Halimbawa, ang mga ahente sa ilalim ng power of attorney o tagapag-alagang hinirang ng hukuman ay mga fiduciary.

    Kapag ikaw ay pinangalanang fiduciary, inaatasan ka ng batas na pamahalaan ang pera at ari-arian ng tao para sa ikapakikinabang niya at hindi ikaw. Kapag ginagastos ng fiduciary ang pera para sa ikapakikinabang niya, iyon ay maaaring maturing bilang panloloko.

    Identity theft

    Nangyayari ang identity theft kapag may isang taong nagnakaw ng iyong pagkakakilanlan upang gumawa ng panloloko.

    Ang pagnanakaw ng iyong pagkakakilanlan ay maaaring mangahulugang paggamit ng personal na impormasyon nang wala ang iyong pahintulot, tulad ng iyong pangalan, numero ng Social Security, impormasyon ng account sa bangko, o numero ng credit card. Nagbibigay ng impormasyon ang Federal Trade Commission (Pederal na Komisyon sa Kalakal) tungkol sa pag-iwas at pagtugon sa identify theft.

    Mga scam ng impostor (Imposter scams)

    Sinusubukan ng mga impostor na scammer na kumbinsihin kang magpadala ng pera sa pamamagitan ng pagpapanggap na sila ay kakilala o pinagkakatiwalaan mo tulad ng sheriff, empleyado ng lokal na pamahalaan, estado, o pederal na pamahalaan, o organisasyong pangkawanggawa. Tandaan, maaaring peke ang caller ID. Matatawagan mo lagi ang organisasyon o ahensya ng pamahalaan at maitatanong kung nagtatrabaho ang taong iyon sa kanila bago magbigay ng anumang pera.

    Panloloko sa sulat (Mail fraud)

    Ang mga sulat na nanloloko ay mukhang tunay ngunit huwad ang mga pangako. Ang karaniwang palatandaang babala ay isang sulat na humihiling sa iyong magpadala na ngayon ng pera o personal na impormasyon upang makakuha ka ng isang bagay na may halaga pagkatapos mong magpadala ng pera o impormasyon.

    Phishing

    Sa phishing, nagpapanggap ang scammer na isang negosyo o tao para linlangin ka at ibigay mo ang iyong personal na impormasyon tulad ng mga password, mga numero ng credit card, o impormasyon ng account sa bangko. Maaaring gumamit ang scammer ng mga mapanlokong email, text, o website para nakawin ang impormasyong ito mula sa iyo. Maaaring mukhang tunay ang mga email na ito.

    Security freeze para makaiwas (Security freeze for prevention)

    Ang security freeze ay pumipigil sa mga bagong creditor na i-access ang iyong credit file at ang iba pa para magbukas ng mga account na nangangailangan ng credit check sa pangalan mo, hanggang sa alisin mo ang pagka-freeze nito.

    Dahil karamihan sa mga negosyo ay hindi magbubukas ng mga credit account nang hindi tinitingnan ang iyong credit report, mapipigilan ng freeze ang mga magnanakaw ng pagkakakilanlan na magbukas ng mga bagong account na nakapangalan sa iyo. Tandaan na hindi mapipigilan ng freeze ang mga magnanakaw ng pagkakakilanlan sa pagnanakaw ng mga umiiran nang account.

    Magbasa nang higit pa (sa Ingles)

    Spoofing

    Nangyayari ang spoofing kapag itinatago ng tumatawag ang impormasyon na ipinapakita sa iyong caller ID. Nagbibigay ito sa tumatawag ng kakayahang ikubli o “i-spoof” ang pangalan at/o numerong upang makita na tila tumatawag sila bilang sa isang partikular na tao mula sa isang espesipikong lokasyon.

    Panlolokong wire o money transfer (Wire or money transfer fraud)

    Lilinlangin ka ng ilang scammer para mag-wire o mag-transfer ka ng pera para nakawan ka. Isang karaniwang halimbawa ng panlolokong wire transfer ay ang “grandparent scam”. Ito ay kapag ang scammer na nagpapanggap bilang apo o kaibigan ng apo ay tatawag at sasabihing nasa ibang bansa o napahamak sila, at kailangang agad na ma-wire o mapadalhan ng pera.

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    How to avoid foreclosure (in Tagalog)
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    Paano maiiwasan ang foreclosure

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    Ang pinakamahalagang bagay na magagawa mo kapag nahihirapan kang bayaran ang iyong mortgage ay magkaroon ng kontrol. Sa karamihan sa mga kaso, ang pinakamasamang bagay ay ang walang gawin. Ang pagkakaroon ng kontrol ay nangangahulugang paggawa ng apat na hakbang:

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    1. Tumawag o tumanggap ng tawag para sa tulong

    Magkaroon ng kontrol sa pamamagitan ng pagtanggap ng mga tawag mula sa iyong mortgage servicer. Ang mas mabuti pa, tawagan agad ang iyong service mortgager sa oras na malaman mong hindi mo magagawa ang iyong buwanang pagbabayad. Ang numero ng telepono ay nasa iyong buwanang bill. Ipaalam sa iyong servicer kung bakit hindi mo magagawa ang iyong buwanang pagbabayad at humingi sa servicer ng tulong para maiwasan ang foreclosure.

    2. Humingi ng libreng tulong ng eksperto

    Maaaring makatulong ang iyong servicer kung nahihirapan ka sa pagbabayad mo ng loan. Kung hindi mo makuha ang kailangan mo mula sa iyong servicer, humingi ng ekspertong tulong mula sa mga ahensya ng pagpapayo sa pabahay na malapit sa iyo. Puwedeng bumuo ang mga tagapayo ng naaangkop na plano ng aksyon at tulungan ka sa pakikipagtulungan sa kumpanya ng iyong mortgage. Bumisita sa consumerfinance.gov/mortgagehelp o tumawag sa (800) 569-4287 at ilagay ang iyong Zip code, para maghanap ng tagapayo sa pabahay na inaprubahan ng HUD.

    3. Labanan ang scam

    Maaaring subukan ng mga manloloko na samantalahin ang mga nahihirapang may-ari ng tirahan sa pamamagitan ng paniningil ng malaking halaga— kahit libu-libong dolyar—para sa mga huwad na pangako ng tulong. Hindi mo dapat bayaran ang kahit na sino para matulungan kang maiwasan ang foreclosure. Maaaring makuha mo ang kinakailangan mong tulong nang walang bayad mula sa iyong servicer, o sa pamamagitan ng ahensya ng pagpapayo sa pabahay na inaprubahan ng HUD.

    4. Mag-apply para sa tulong

    Kailangang makipag-ugnayan sa iyo ang iyong loan servicer, bigyan ka ng wastong impormasyon, at sabihin sa iyo ang mga opsyon ng mitigasyon sa pagkawala na maaaring karapat-dapat ka. Ang mitigasyon sa pagkawala ay tumutukoy sa mga paraan na puwedeng makipagtulungan sa iyo ang iyong servicer upang maiwasan ang foreclosure. Kung magpapadala ka ng kumpletong aplikasyon sa iyong mortgage servicer nang maaga, kailangang ipaalam sa iyo ng iyong mortgage servicer ang mga opsyon na mayroon ka upang mapanatili ang iyong tirahan, o kung mas makatuwiran, lisanin ang iyon tirahan.

    May maraming karanasan ang mga tagapayo sa pabahay sa pagtulong sa mga taong pagsumikapan ang pag-iwas sa foreclosure. Maaari ka nilang tulungan sa mga kumplikadong hakbang para maiwasan ang iyong mga opsyon at mag-apply para sa tulong.

    Hindi makakagawa ng unang abiso o pagpa-file para sa foreclosure maliban na lang kung ikaw ay mahigit 120 araw nang hindi nakakapagbayad. Bukod dito, kapag nagsumite ka ng kumpletong aplikasyon para sa tulong sa mortgage nang maaga, hindi makakapagsimula ang mortgage servicer ng foreclosure habang pinag-aaralan ang kaso mo o kung sinusunod mo ang mga kinakailangan sa pagbabago ng loan. Kaya gawin ito, at huwag magpaantala. Kung mas maaga mong makukumpleto ang aplikasyon, mas marami kang makukuhang proteksyon.

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    Paano malalaman ang scam sa foreclosure

    Maaaring sabihin sa iyo ng mga scammer sa foreclosure na ililigtas nila ang tirahan mo sa foreclosure, gayong kukunin lang nila ang pera mo.

    Tingnan ang mga palatandaang babala ng mga scam na ito:

    • Sinabihan kang magbayad agad para sa tulong.
    • Ginagarantiya ng kumpanya na mapapabago nila ang mga tuntunin ng iyong mortgage.
    • Ginagarantiya ng kumpanya na hindi mo mawawala ang tirahan mo.
    • Sinasabihan kang ibigay sa iba ang titulo ng iyong tirahan o lagdaan ang iba pang mga dokumentong hindi mo nauunawaan.
    • Binibilinan kang ipadala ang iyong pagbabayad sa isang taong bukod sa kumpanya ng iyong mortgage o servicer.
    • Naghahandog ang kumpanya ng “porensikong pag-o-audit.”
    • Sinabihan kang itigil ang pagbabayad mo ng mortgage.
    • Sinasabi ng kumpanyang kaakibat sila ng gobyerno, o gumagamit ng logo na katulad ang hitsura ng sagisag ng gobyerno ngunit may kaunting pagkakaiba.
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    Magsumite ng reklamo tungkol sa produkto o serbisyong pampananalapi

    Sa bawat linggo, nagpapadala kami ng mahigit 10,000 reklamo tungkol sa mga pinansyal na produkto at serbisyo sa mga kumpanya para kanilang sagutin. Kung mas makakatulong ang ibang ahensya, ipapadala namin ito sa kanila at ipapaalam namin sa iyo. Sumasagot ang karamihan sa mga kumpanya sa loob ng 15 araw.

    • Online (sa Ingles)
    • O sa pamamagitan ng telepono sa (855) 411-2372 para sa tulong sa Tagalog, at 180 iba pang wika. Karaniwang sinasagot ang tawag nang wala pang 1 minuto. Isasalin ang iyong reklamo sa Ingles at ipapadala sa kumpanya para kanilang sagutin. Kapag sumagot ang kumpanya, karaniwang gagawin nila ito sa Ingles, ngunit maaari kang tumawag sa amin para marinig ang isinaling sagot.
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    Mortgages key terms (in Tagalog)
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    Mga pangunahing termino para sa mga mortgage

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    5/1 adjustable rate mortgage

    Ang 5/1 adjustable rate mortgage (ARM) o 5-taong ARM ay isang mortgage loan kung saan “5” ang bilang ng taon na mananatiling hindi magbabago ang iyong unang antas ng interes. Ang “1” ay kumakatawan sa kung gaano kadalas mag-a-adjust ang iyong antas ng interes sa pagkatapos ng unang limang taon. Ang pinakakaraniwang panahong hindi nagbabago ang 3, 5, 7, at 10 taon at ang “1,” ay ang pinakakaraniwang panahon ng adjustment. Mahalagang basahin nang mabuti ang kontrata at magtannong kung pinag-iisipan mo ang ARM.

    Alamin pa ang tungkol sa kung paano nagbabago ang mga adjustable rate. 



    Patakaran na kakayahang magbayad (Ability-to-repay rule)

    Ang patakaran na kakayahang magbayad ay ang pagpapasyang makatwiran at may mabuting layunin na iniaatas sa mga nagpapautang na gawin na kaya mong bayaran ang loan.

    Magbasa nang higit pa (sa Ingles)



    Adjustable rate mortgage (ARM)

    Ang adjustable rate mortgage (ARM, maaayos na antas sa utang sa bahay) ay isang uri ng loan na kung saan maaaring magbado ang antas ng interes, na karaniwang kaugnay ng naka-indiseng antas ng interes. Tataas o bababa ang iyong buwanang kabayaran depende sa panimulang panahon, mga limit sa antas, at naka-indiseng antas ng interes ng loan. Sa ARM, ang antas ng interes at buwanang kabayaran ay maaaring magsimula nang mas mababa kaysa sa hindi nagbabagong antas ng mortgage, ngunit ang parehong antas ng interes at buwanang kabayaran ay maaaring labis na tumaas.

    Alamin pa ang tungkol sa kung paano gumagana ang mga ARM at kung ano ang isasaalang-alang. 



    Amortisasyon (Amortization)

    Ang amortisasyon ay nangangahulugang pagbayad ng loan sa pamamagitan ng mga regular na pagbabayad sa loob ng ilang panahon, nang sa gayon ay mabawasan ang halagang pagkakautang mo sa bawat pagbabayad. Karamihan sa mga loan ay naka-amortize, ngunit may ilang mortgage loan na hindi ganap na naka-amortize, na ang ibig sabihin ay may pagkakautang ka pa ring pera pagkatapos ng lahat ng iyong pagbabayad.

    Ang ilan sa mga loan sa tirahan ay nagpapahintulot ng mga pagbayad para sagutin lamang ang halaga ng interes na dapat bayaran, o halagang mas mababa sa interes na dapat bayaran. Kung mas mababa ang mga kabayaran kaysa sa interes na dapat bayaran sa bawat buwan, lalaki ang balanse ng mortgage sa halip na bababa. Ang tawag dito ay negatibong amortisasyon. Ang ibang mga programa ng loan na hindi ganap na naka-amortize sa panahon ng loan ay maaaring mangailangan ng malaking kabuuang halaga ng “balloon” na kabayaran sa katapusan ng termino ng loan. Siguraduhing alam mo kung anong uri ng loan ang kinukuha mo.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Napinansyang halaga (Amount financed)

    Ito ang halaga ng perang hinihiram mo mula sa nagpapautang, kung saan ibabawas ang karamihan sa mga harapang singil na ipinapataw sa iyo ng nagpapautang.

    Magbasa nang higit pa (sa Ingles) 



    Taunang kita (Annual income)

    Ang taunang kita ay ang salik sa aplikasyon para sa mortgage loan at karaniwang tumutukoy sa kabuuang kinita mo, bago ikaltas ang buwis sa loob ng isang taon. Maaaring kasama sa taunang kita ang kita mula sa full-time o part-time na trabaho, sariling kabuhayan, mga tip, mga komisyon, overtime, mga bonus, o iba pang mga mapagkukunan. Gagamitin ng nagpapautang ang impormasyon tungkol sa taunan mong kita at sa mga kasalukuyan mong buwanang utang upang mapagpasyahan kung mayroon kang kakayahang bayaran ang loan.

    Aasa man ang nagpapautang sa partikular na pinagmumulan ng kita o halaga kapag isinasaalang-alang ka para sa loan ay kadalasang magdedepende sa kung maaasahang tuloy-tuloy ang iyong kita.

    Alamin pa ang tungkol sa kung bakit mahalaga sa mga nagpapautang ang iyong kakayahang magbayad. 



    Taunang porsyento ng singil (APR) (Annual Percentage Rate (APR))

    Ang taunang porsyento ng singil (APR) ay ang mas malawak na sukatan ng gastos sa paghiram ng pera kaysa sa antas ng interes. Sumasalamin ang APR sa antas ng interes, anumang mga puntos, mga singil ng mortgage broker, at iba pang mga singil na babayaran mo para makakuha ng loan. Dahil doon, kadalasang mas mataas ang APR kaysa sa iyong antas ng interes.

    Alamin kung paano paghahambingin ang mga APR 



    Singil sa appraisal (Appraisal fee)

    Ang singil sa appraisal ay ang gastos sa appraisal ng bahay na pinaplano mong bilhin o pag-aari mo na. Ang mga appraisal sa tirahan ay nagbibigay ng independiyenteng pagtatasa ng halaga ng ari-arian. Sa karamihan sa mga kaso, ang pagpili ng appraiser at anumang kaugnay na gastos ay pagpapasyahan ng nagpapautang.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Awtomatikong pagbabayad (Automatic payment)

    Ang mga awtomatikong pagbabayad ay nagpapahintulot sa iyong magtakda ng nauulit na mga pagbabayad na mortgage sa pamamagitan ng iyong bangko. Ang mga awtomatikong pagbabayad ay maaaring isang kumbinyenteng paraan upang matiyak na nagbabayad ka sa oras 



    Balloon loan

    Para sa mga mortgage, ang balloon loan ay nangangahulugan na ang may isang pagbabayad ng loan na mas malaki kaysa karaniwan; karaniwan itong nasa huling bahagi ng termino ng loan. Ang isang beses na pagbabayad na ito ay tinatawag na balloon payment, at mas mataas ito kaysa sa iba mo pang mga pagbabayad, at paminsan-minsan ay higit na mataas. Kung hindi mo mababayaran ang balloon na halaga, maaaring kailanganin mong mag-refinance, ibenta ang iyong tirahan, o maharap sa pagkaremata (foreclosure).

    Alamin kung bakit maaaring mapanganib ang mga balloon loan. 



    Pagbayad kada dalawang linggo (Bi-weekly payment)

    Sa isang plano ng pagbayad kada dalawang linggo, kinokolekta ng mortgage servicer ang kalahati ng iyong buwanang kabayaran kada dalawang linggo, na magreresulta sa 26 na kabayaran sa loob ng isang taon (na may kabuuang isa pang dagdag na bayad kada taon). Sa pagbibigay ng mga karagdagang kabayaran at paglalapat ng iyong mga kabayaran sa principal, maaari mong mabayaran nang buo nang maaga ang iyong loan. Bago piliin ang pagbayad kada dalawang linggo, tiyakin na pinag-aralan mo ang mga tuntunin sa iyong loan para malaman kung sasailalim ka sa multa ng prepayment penalty (multa sa maagang pagbabayad nang buo) kung gagawin mo ito. Alamin kung magpapataw ang iyong servicer ng anumang mga singil para sa plano ng pagbayad kada dalawang linggo. Maaari mong maisakatuparan ang parehong mithiin nang walang singil sa pamamagitan ng dagdag na buwanang bayad sa mortgage kada taon. 



    Closing disclosure

    Ang closing disclosure ay ang kinakailangang limang-pahinang form na nagbibigay ng mga panghuling detalye ungkol sa mortgage loan na pinili mo. Kabilang dito ang mga tuntunin ng loan, ang inaasahan mong mga buwanang kabayaran, at kung magkano ang mga babayaran mong singil at iba pang mga gastos para makuha ang iyong mortgage.

    Alamin kung paano masusuri na ang lahat ng detalye tungkol sa iyong loan ay tama sa iyong closing disclosure. 



    Construction loan

    Ang construction loan ay karaniwang isang pangmaikling panahong loan na nagbibigay ng mga pondo para sagutin ang gastos sa pagpapatayo o pagbibigay ng rehabilitasyon sa tirahan.

    Magbasa nang higit pa (sa Ingles) 



    Conventional loan

    Ang conventional loan ay anumang mortgage loan na hindi naka-insure o ginagarantiyahan ng pamahalaan (tulad ng sa ilalim ng mga programa ng loan ng Federal Housing Administration [FHA, Pederal na Pangasiwaan sa Pabahay], Department of Veterans Affairs [VA, Kagawaran para sa mga Kapakanan ng mga Beterano], o Department of Agriculture [Kagawaran ng Agrikultura]).

    Alamin pa ang tungkol sa mga conventional loan at iba pang mga uri ng loan. 



    Co-signer o co-borrower

    Ang co-signer o co-borrower ay isang taong sumang-ayon na akuin ang buong responsibilidad na bayaran ang mortgage loan kasama ka. Obligado ang taong ito na bayaran ang anumang hindi pagbabayad at maging ang buong halaga ng loan kung hindi ka magbabayad. Kinikilala ng ilang programa ng mortgage ang co-signer bilang isang taong hindi nakapangalan sa titulo at walang anumang interes na pagmamay-ari sa naka-mortgage na tirahan. Ang pagkakaroon ng co-signer o co-borrower sa iyong mortgage loan ay nagbibigay sa nagpapautang sa iyo ng dagdag na katiyakan na mababayaran ang loan. Ngunit manganganib ang rekord ng credit at pananalapi ng co-signer o co-borrower kung hindi mo babayaran ang loan.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Credit history

    Ang credit history ay ang rekord ng iyong mga credit account at ang iyong kasaysayan ng pagbabayad sa oras gaya ng ipinapakita sa iyong credit report. Ang mga kumpanyang nag-uulat tungkol sa mamimili, na kilala rin bilang mga kumpanya para sa credit report, ay nangongolekta at nag-a-update ng impormasyon tungkol sa rekord ng iyong credit at ibinibigay ito sa ibang mga negosyo, na gumagamit nito para gumawa ng mga desisyon tungkol sa iyo. May impormasyon ang mga credit report tungkol sa aktibidad ng iyong credit at kasalukuyang sitwasyon ng iyong credit tulad ng iyong kasaysayan ng pagbabayad ng loan at katayuan ng iyong mga credit account.

    Alamin pa ang tungkol sa pagtingiin ng iyong credit history bago bumili ng tirahan. 



    Credit report

    Ang credit report ay isang pahayag na may impormasyon tungkol sa aktibidad ng iyong credit at kasalukuyang sitwasyon ng iyong credit tulad ng kasaysayan ng pagbabayad ng loan at katayuan ng iyong mga credit account. Ginagamit ng mga nagpapautang ang iyong mga credit score at ang impormasyon sa iyong credit report upang mapagpasyahan kung kuwalipikado ka para sa loan at kung anong antas ng interes ang iaalok sa iyo.

    Alamin pa kung paano makakuha ng kopya ng iyong mga credit report. 



    Credit score

    Sa credit score nalalaman kung gaano kasigurong mababayaran mo ang loan sa oras. Ginagamit ng mga kumpanya ang pormulang pangmatematika—na tinatawag na modelo ng pag-score—para lumikha ng iyong credit score mula sa impormasyon sa iyong credit report. May iba't ibang modelo ng pag-score, kaya hindi lamang iisang score ang mayroon ka. Nakadepende ang iyong credit score sa iyong credit history, sa uri ng produkto ng loan, at maging sa araw kung kailan ito kinalkula.

    Alamin kung saan mo makukuha ang iyong credit score. 



    Ratio ng utang (Debt ratio)

    Ang iyong ratio sa pagitan ng utang at kita ay lahat ng iyong buwanang binabayarang utang na hinati ng iyong buwanang kita na hindi pa kinakaltasan ng buwis. Ang bilang na ito ay isang paraan ng pagsukat ng mga nagpapautang sa iyong kakayahang pamahalaan ang mga buwanang kabayaran upang mabayaran ang perang pinaplano mong hiramin.

    Alamin kung paano kalkulahin ang iyong ratio sa pagitan ng utang at kita. 



    Deed-in-lieu ng foreclosure (Deed-in-lieu of foreclosure)

    Ang deed-in-lieu ng foreclosure ay ang kasunduan kung saan boluntaryo mong ipinapasa ang pagmamay-ari ng iyong tirahan sa nagpapautang upang maiwasan ang proseso ng foreclosure. Maaaring makatulong sa iyo ang deed-in-lieu ng foreclosure na maiwasang managutan sa anumang halagang natitira sa mortgage. Kung nakatira ka sa isang estado kung saan responsable ka sa anumang kakulangan, na resulta ng pagbawas ng halagang pagkakautang mo pa rin sa iyong mortgage loan mula sa halaga ng iyong ari-arian, kakailanganin mong hilingin sa nagpapautang sa iyo na i-waive ang kakulangan. Kung nai-waive ng nagpapautang ang kakulangan, kunin ang waiver na ito sa paraang nakasulat at itabi para sa iyong mga rekord. Ang deed-in-lieu ng foreclosure ay isang uri ng mitigasyon sa pagkalugi. 



    Delingkuwente (Delinquent)

    Ang pagiging delingkuwente ay isa pang termino para sa pagiging huli sa iyong mga pagbabayad. Maaaring maging delingkuwente ang iyong loan kapag hindi ka nakapagbayad o hindi ka nakapagbayad nang buo hanggang sa itinakdang petsa ng pagbabayad. Pagkatapos mong maging delingkuwente sa partikular na haba ng panahon, maaaring simulan ng nagpapautang o servicer ang proseso ng foreclosure. Ang haba ng panahon ay maaaring mag-iba depende sa estado.

    Maaari ring maangkop ang mga pederal na panuntunan sa kung kailan maaaring magsimula ang foreclosure. Alamin pa ang tungkol sa iyong mga opsyon kung hindi mo mababayaran ang iyong mortgage.

    Kung naapektuhan ka ng coronavirus

    Kumuha ng karagdagang impormasyon tungkol sa mga opsyon sa tulong sa mortgage. 



    Demand feature

    Ang closing disclosure ay may pahayag na nababasa bilang “May demand feature ang iyong loan”, kung saan nilagyan ng tsek ang “oo” o “hindi.” Sa demand feature, pinahihintulutan ang nagpapautang na mag-atas ng maagang pagbabayad sa loan.

    Magbasa nang higit pa (sa Ingles) 



    Down payment

    Ang downpayment ay ang halagang babayaran mo para sa tirahan nang harapan. Maglalagak ka ng porsyento ng halaga ng tirahan bilang pang-down at hihiramin ang natitirang halaga sa pamamagitan ng iyong mortgage loan. Karaniwan, kung mas malaki ang iyong down payment, mas mababa ang antas ng interes na matatanggap mo at mas malamang na maaprubahan ka sa loan.

    Alamin pa ang tungkol sa pagpapasya ng iyong down payment. 



    Mga programa o gawad para sa down payment (Down payment programs or grants)

    Ang gawad o programa para sa down payment ay karaniwang tumutukoy sa tulong na ibinibigay ng isang organisasyon tulad ng ahensya ng pamahalaan o non-profit, sa isang bumibili ng tirahan upang tulungan sila sa down payment para sa pagbili ng tirahan. Maaaring ibigay ang mga pondo bilang talagang gawad o maaaring kailanganing mabayaran, tulad ng kapag naibenta ang tirahan.

    Unawain kung saan ka makakakuha ng impormasyon tungkol sa mga programa at gawad para sa down payment. 



    Earnest money

    Ang earnest money ay ang depositong ibinabayad ng bumibili ng tirahan upang maipakita ang tapat na hangarin sa pagpirma ng kasunduan sa kontrata para bumili ng tirahan. Hinahawakan ng nagbebenta o ng ikatlong partido ang deposito tulad ng ahente ng real estate o title company. Kung naisapinal o “nai-close” na ang pagbebenta ng tirahan, maaaring ilapat ang earnest money sa mga gastos sa pag-close o sa down payment. Kung mawawakasan ang kontrata para sa mapapahintulutang dahilan, ibabalik ang earnest money sa bumibili ng tirahan. Kung hindi gumanap nang may tapat na hangarin ang bumibili ng tirahan, hindi ibabalik ang earnest money at ibabayad ito sa nagbebenta.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Equity

    Ang equity ay ang kasalukuyang halaga ng iyong ari-arian na binawasan ng halaga ng kasalukuyang mortgage mo rito.

    Alamin kung ano ang loan sa equity ng tirahan. 



    Escrow

    Itinatakda ang escrow account ng nagpapautang sa iyo ng mortgage upang bayaran ang ilang gastusing nauugnay sa ari-arian, tulad ng mga buwis sa ari-arian at insurance ng may-ari ng tirahan. Ang bahagi ng iyong buwanang kabayaran ay mapupunta sa account. Kung walang escrow account ang iyong mortgage, direkta mong babayaran ang mga gastusing nauugnay sa ari-arian

    Alamin pa ang tungkol sa kung paano maaapektuhan ng escrow ang iyong buwanang kabayaran sa mortgage. 



    Fannie Mae

    Binibili at ginagarantiya ng Pederal na Pambansang Asosasyon para sa Mortgage (Fannie Mae) ang mga mortgage mula sa mga institusyong nagpapautang bilang pagsusumikap upang madagdagan ang abot-kayang pagpapautang. Ang Fannie Mae ay hindi isang pederal na ahensya. Ito ay isang kumpanyang inisponsor ng pamahalaan sa ilalim ng pangangasiwa ng Federal Housing Finance Agency (FHFA, Pederal na Ahensya ng Pagpipinansya sa Pabahay).

    Alamin pa ang tungkol sa mga conventional loan. 



    Singil sa pagpopondo ng FHA (FHA funding fee)

    Ang Federal Housing Administration (FHA, Pederal na Pangasiwaan sa Pabahay) ay nag-aatas ng singil sa pagpopondo ng FHA at buwanang premium sa insurance (MIP) para sa karamihan sa mga programa para sa tirahan na pang-isahang pamilya. Ang harapang premium para sa insurance sa mortgage na ito ay paminsan-minsang tinatawag na harapang premium para sa insurance sa mortgage (UFMIP).

    Alamin kung tama para sa iyo ang FHA na mortgage. 



    FHA loan

    Ang mga FHA loan ay mga loan na mula sa mga pribadong nagpapautang na pinamamahalaan at naka-insure sa Federal Housing Administration (FHA, Pederal na Pangasiwaan sa Pabahay). Naiiba ang mga FHA loan sa mga conventional loan dahil nagpapahintulot ito ng mas mabababang credit score at down payment na kasing-baba ng 3.5 na porsyento ng kabuuang halaga ng loan. Iba-iba ang maximum na halaga ng loan ayon sa county.

    Alamin ang tungkol dito at ang iba pang mortgage loan. 



    Mga limit sa FHA mortgage (FHA mortgage limits)

    Ang mga limit sa FHA mortgage ay mga limit sa halaga ng dolyar para sa mga kuwalipikadong mortgage na mai-insure ng FHA bilang bahagi ng programa nito para sa tirahan na pang-isahang pamilya. Ang mga limit na ito ay nakabatay sa lokasyon at maaaring mabago ang mga ito kada taon.

    Gamitin ang tool ng FHA upang saliksikin ang mga limit sa loan sa iyong county . 



    Finance charge

    Ang finance charge ay ang kabuuang halaga ng mga singil sa interes at loan na babayaran mo sa kabuuang buhay ng mortgage loan.

    Magbasa nang higit pa (sa Ingles) 



    Mga programa ng loan para sa mga bibili ng tirahan sa kauna-unahang pagkakataon (FTHB) (First-time home buyers (FTHB) loan programs)

    Maaaring gumamit ang mga bibili ng tirahan sa kauna-unahang pagkakataon (FTHB) ang iba't ibang uri ng programa ng loan para bumili ng kanilang unang tirahan. Kabilang sa mga FTHB loan ang inihahandog ng FHA, VA, USDA, Fannie Mae, at Freddie Mac na may mabababang down payment. Ang ilang programa ay inilalarawan ang FTHB bilang isang taong hindi bumili ng tirahan sa loob ng tatlong taon o higit pa.

    Unawain ang iyong mga opsyon sa loan. 



    Mortgage sa hindi nagbabagong antas (Fixed-rate mortgage)

    Ang mortgage sa hindi nagbabagong antas ay isang uri ng loan na kung saan itinakda ang antas ng interes sa kung saan kukuha ka ng loan at hindi ito magbabago sa panahon ng termino ng loan.

    Alamin pa ang tungkol sa kung paano gumagana ang mga mortgage sa hindi nagbabagong antas at kung ano ang isasaalang-alang. 



    Forbearance

    Ang forbearance ay kapat pinahihintulutan ka ng iyong servicer na pansamantalang bayaran ang iyong mortgage sa mas mababang antas o pansamantalang patigilin ang pagbabayad mo sa iyong mortgage. Maaari kang gawaran ng iyong servicer ng forbearance kung, halimbawa, ay nawalan ka ng trabaho kamakailan, nasalanta ka ng sakuna, o kagagaling mo lang sa sakit o pinsala na nakadagdag sa iyong mga gastusin para sa pangangalagang pangkalusugan. Ang forbearance ay isang uri ng mitigasyon sa pagkalugi.

    Alamin pa ang tungkol sa mortgage forbearance

    Depende sa uri ng loan na mayroon ka, maaaring may iba't ibang opsyon para sa forbearance. Kailangan mong kontakin ang iyong loan servicer para humiling ng forbearance. Tandaan, kakailanganin mong bayaran ang hindi nabayaran o nabawasang kabayaran kapag natapos na ang panahon ng forbearance.

    Kung naapektuhan ka ng coronavirus, pumunta dito para sa karagdagang impormasyon tungkol sa mga opsyon para sa tulong sa mortgage. 



    Sadyang inilagay na insurance (Force-placed insurance)

    Maaaring mag-atas ang iyong servicer ng sadyang inilagay na insurance kapag wala kang sarili mong polisa ng insurance o kung hindi natutugunan ng sarili mong polisa ang mga iniaatas ng iyong servicer. Karaniwang pinoprotektahan lamang ng sadyang inilagay na insurance ang nagpapautang, at hindi ikaw. Sisingilin ka ng servicer para sa insurance. Ang sadyang inilagay na insurance ay karaniwang mas mahal kaysa pag maghanap ka mismo ng polisa ng insurance. 



    Foreclosure

    Ang foreclosure ay kapag binawi ng nagpapautang o servicer ang ari-arian pagkatapos hindi makapagbayad ng mortgage ang may-ari ng tirahan. Sa ilang estado, kailangang pumunta sa hukuman ang nagpapautang para i-foreclose ang iyong ari-arian (panghukumang foreclosure), ngunit ang ilang estado ay hindi nangangailangan ng proseso sa hukuman (hindi pang-hukumang foreclosure). Karaniwan, kailangang maabisuhan ang mga humihiram kung sisimulan ng nagpapautang o servicer ang proseso ng foreclosure. Maaaring maangkop ang mga pederal na panuntunan sa kung kailan maaaring magsimula ang foreclosure.

    Kung nag-aalala ka tungkol sa foreclosure, alamin kung paano makakahingi ng tulong.

    Kung naapektuhan ka ng coronavirus pumunta dito para sa karagdagang impormasyon tungkol sa mga opsyon para sa tulong sa mortgage. 



    Freddie Mac

    Ang Pederal na Korporasyon para sa Mortgage Loan sa Tirahan (Freddie Mac) ay isang pribadong korporasyon na itinatag ng Kongreso. Misyon nito ang itaguyod ang katatagan at pagiging abot-kaya sa merkado ng pabahay sa pamamagitan ng pagbili ng mga mortgage mula sa mga bangko at iba pang mga gumagawa ng loan. Ang korporasyon ay kasalukuyang nasa ilalim ng pangangasiwa ng Federal Housing Finance Agency (FHFA, Pederal na Ahensya ng Pagpipinansya sa Pabahay).

    Alamin pa ang tungkol sa mga conventional loan. 



    Good faith estimate

    Ang Good faith estimate (GFE) ay isang form na kailangang ibigay sa iyo ng nagpapautang kapag nag-apply ka para sa isang reverse mortgage. Nililista sa GFE ang pangunahing impormasyon tungkol sa mga tuntunin ng alok na reverse mortgage.

    Alamin kung kailan ka tatanggap ng good faith estimate. 



    Mga singil sa pagtatala ng pamahalaan (Government recording charges)

    Ang mga singil sa pagtatala ng pamahalaan ay mga singil na sinusuri ng mga ahensya ng estado at lokal na pamahalaan para sa legal na pagtatala ng iyong deed, mortgage at mga dokumentong nauugnay sa loan ng iyong tirahan.

    Magbasa nang higit pa (sa Ingles) 



    Mas mataas na halagang mortgage loan (Higher-priced mortgage loan)

    Sa pangkalahatan, ang mas mataas na halagang mortgage loan ay isang bagay na may taunang porsyento ng singil, o APR, na mas mataas kaysa sa pamantasang antas na tinatawag na Average Prime Offer Rate.

    Magbasa nang higit pa (sa Ingles) 



    Mga dapat bayaran sa HOA (HOA dues)

    Kung interesado ka sa pagbili ng condo, co-op o bahay sa isang nakaplanong subdivision o iba pang organisadong komunidad na may magkakasamang ginagamit na serbisyo, madalas na kailangang mong bayaran ang mga singil ng condo o mga dapat bayaran sa Homeowners' Association (HOA, Samahan ng mga May-ari ng Tirahan). Lubos na nagkakaiba-iba ang mga singil na ito. Kadalasang hiwalay sa mga singil ng condo o HOA ang iyong mga buwanang pagbabayad sa mortgage. Kung hindi mo babayaran ang mga singil na ito, maaari kang maharap sa pangongolekta ng utang ng homeowner's association o maging foreclosure.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Appraisal sa tirahan (Home appraisal)

    Ang appraisal ay isang nakasulat na dokumentong nagpapakita ng opinyon sa kung magkano ang halaga ng isang ari-arian. Ang appraisal ay nagbibigay sa iyo ng magagamit na impormasyon tungkol sa ari-arian. Inilalarawan nito ang kung ano ang nagbibigay ng halaga rito at maaaring ipakita kung paano ito maihahambing sa ibang mga ari-arian sa kapitbahayan. Ang appraisal ay nagbibigay ng independiyenteng pagtatasa ng halaga ng ari-arian

    Alamin pa ang tungkol sa kung bakit mahalaga ang mga appraisal. 



    Line of credit sa equity ng tirahan (HELOC) (Home equity line of credit (HELOC))

    Ang line of credit sa equity ng tirahan (HELOC) ay line of credit na nagpapahintulot sa iyong humiram sa equity ng iyong tirahan. Ang equity ay ang kasalukuyang halaga ng iyong ari-arian, na binawasan ng halaga ng mortgage mo rito. Hindi katulad ng loan sa equity ng tirahan, ang mga HELOC ay kadalasang may mga maa-adjust na antas ng interes. Para sa karamihan sa mga HELOC, tatanggap ka ng mga espesyal na tseke o credit card, at makakahiram ka ng pera para sa tinukoy na panahon mula sa kung kailan mo binuksan ang iyong account. Ang panahong ito ay tinatawag na “draw period.” Sa panahon ng “draw period,” maaari kang humiram ng pera, at kailangan mong gumawa ng mga minimum na pagbabayad. Kapag natapos na ang “draw period,” hindi ka na makakahiram ng pera mula sa iyong line of credit. Pagkatapos ng “draw period” maaaring kailanganin mong bayaran nang buo nang isang beses ang iyong balanse o maaari kang mapahintulutang magbayad sa partikular na haba ng panahon. Kung hindi mo mababayaran ang HELOC, maaaring i-foreclose ng nagpapautang ang iyong tirahan. 



    Loan sa equity ng tirahan (Home equity loan)

    Ang loan sa equity ng tirahan (na paminsan-minsang tinatawag na HEL) ay nagpapahintulot sa iyong humiram ng pera gamit ang equity ng iyong tirahan bilang kolateral. Ang equity ay ang kasalukuyang halaga ng iyong ari-arian, na binawasan ng halaga ng kasalukuyang mortgage mo rito. Matatanggap mo ang kabuuang halaga ng iyong loan sa equity ng tirahan. Ang loan sa equity ng tirahan ay kadalasang may fixed na antas ng interes – iyong hindi magbabago. Kung hindi mo mababayaran ang HEL, maaaring i-foreclose ng nagpapautang ang iyong tirahan. 



    Inspeksyon sa tirahan (Home inspection)

    Madalas na bahagi ng proseso ng pagbili ng tirahan ang inspeksyon sa tirahan. Karaniwang may karapatan kang kumuha ng inspektor ng tirahan na magsisiyasat sa ari-arian at magtuturo ng mga lakas at kahinaan nito. Madalas na partikular na nakakatulong ito upang masubukan ang mga sistemang estruktural at mekanikal kabilang ang heating, bentilasyon, air conditioning, at elektrikal.

    Alamin kung paano mag-iskedyul ng inspeksyon. 



    Homeowners’ association (HOA)

    Ang homeowners’ association (HOA, Samahan ng mga May-ari ng Tirahan), ay karaniwang binubuo upang pamahalaan ang mga magkakasamang gastusin tulad ng landscaping at iba pang mga gastos sa pagpapanatili ng isang planadong subdivision o iba pang organisadong komunidad. Mas maraming responsibilidad ang inaako ng mga HOA sa condominium kabilang halimbawa ang, pagpapanatili ng mga driveway, magkakasamang ginagamit na estruktura, at bubong.

    Kumuha pa ng karagdagang impormasyon tungkol sa kung paano maaaring makita ang mga HOA sa iyong mortgage statement. 



    Homeowner's insurance

    Binabayaran ng homeowner’s insurance ang mga pagkawala at pagkasira sa ari-arian kung may nangyaring hindi inaasahan, tulad ng sunog o panloloob. Kapag may mortgage ka, gustong matiyak ng nagpapautang sa iyo na protektado ng insurance ang iyong ari-arian. Kung kaya karaniwang nag-aatas ang mga nagpapautang ng katibayang mayroon kang homeowner's insurance. Ang homeowner’s insurance ay hindi katulad ng mortgage insurance.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Presyo sa pagbili ng tirahan (Home purchase price)

    Ang presyo sa pagbili ng tirahan ay ang halagang pinagkasunduan ng bumibili at nagbebenta na ibabayad sa nagbebenta para mabili ang tirahan.

    Alamin pa ang tungkol sa paghahanap ng tamang tirahan. 



    HUD

    Ang Department of Housing and Urban Development (HUD, Kagawaran ng Pabahay at Pagpapaunlad sa Kalunsuran) ay isang ahensya ng pamahalaan na tumutulong sa mga taong makakuha at makapagpanatili ng dekalidad at abot-kayang tirahan. Nagsasanay at nag-iisponsor sila ng mga tagapayo sa pabahay sa buong bansa. Ang ahensyang nagpapayo sa pabahay na inaprubahan ng HUD ay maaaring magbigay sa iyo ng pagpapayo sa pagbili ng tirahan upang matulungan kang maunawaan at suriin ang iyong mga opsyon.

    Maghanap ng ahensyang nagpapayo sa pabahay na inaprubahan ng HUD. 



    HUD-1 settlement statement

    Nakalista sa HUD-1 Settlement Statement ang lahat ng singil at credit sa bumibili at sa nagbebenta sa isang kasunduan sa real estate, o lahat ng singil sa pag-refinance ng mortgage. Tatanggap ka ng HUD-1 kung nag-apply ka para sa reverse mortgage o kung nag-apply ka para sa mortgage sa o bago sumapit ang Oktubre 3, 2015.

    Alamin kung kailan ka tatanggap ng HUD-1 



    Index

    Ang index ay ang pamantayang antas ng interes na sumasalamin sa mga pangkalahatang kondisyon sa merkado. Nagbabago ang index batay sa merkado. Sa mga pagbabago sa index, kasama ang margin sa iyong loan, napagpapasyahan ang mga pagbabago sa antas ng interes para sa adjustable-rate mortgage loan.

    Unawain kung paano nagiging salik ang index sa antas ng interes para sa adjustable-rate mortgage loan. 



    Unang limit sa adjustment (Initial adjustment cap)

    Ang unang limit sa adjustment ay karaniwang nauugnay sa mga adjustable rate mortgage (mga ARM). Napagpapasyahan sa limit na ito kung gaano maaaring tumaas ang antas ng interes sa unang pagkakataon na mag-a-adjust ito pagkatapos mapasok ang panahong may hindi nagbabagong antas. Karaniwan sa limit na ito ang dalawa o limang porsyento – ibig sabihin, sa unang pagbabago ng antas, ang bagong antas ay hindi maaaring mahigit sa dalawa (o limang) puntos ng porsyento na mas mataas kaysa sa unang antas sa panahong may hindi nagbabagong antas.

    Unawain kung paano nagiging salik ang index sa mga adjustable-rate mortgage loan. 



    Unang deposito sa escrow (Initial escrow deposit)

    Ang unang deposito sa escrow ay ang halagang babayaran mo sa closing para masimulan ang iyong escrow account, kung iniaatas ng nagpapautang sa iyo.

    Magbasa nang higit pa (sa Ingles) 



    Loan na interes lamang (Interest-only loan)

    Ang mortgage na interes lamang ay loan na may naka-iskedyul na pagbabayad kung saan kailangan mong bayaran lamang ang interes para sa itinakdang haba ng panahon.

    Magbasa nang higit pa (sa Ingles) 



    Antas ng interes (Interest rate)

    Ang antas ng interes sa mortgage loan ay ang halagang binabayaran mo sa bawat taon para humiram ng perang ipinapakita bilang antas ng porsyento. Hindi ito sumasalamin sa mga singil o anumang iba pang mga pataw na maaaring kailangan mong bayaran para sa loan. Halimbawa, kung ang mortgage loan ay $100,000 sa antas ng interes na 4 na porsyento, sumang-ayon ang mamimili na iyon na magbayad ng $4,000 sa bawat taon na siya ay humihiram o may pagkakautang na buong halagang iyon.

    Tuklasin ang mga antas ng interes sa iyong lugar. 



    Limit sa antas ng interes (Interest rate cap)

    Ang limit sa antas ng interes, na karaniwang tinatawag na annual cap (taunang limit), at ang pinakamataas na pagtaas ng antas ng interes na maaaring mangyari kada taon para sa adjustable rate mortgage (ARM) kahit na tumaas nang mas higit pa ang iyong antas sa ilalim ng mga antas ng interes sa merkado. Halimbawa, kung dalawang porsyento ang limit na ito, ang bagong antas ay hindi maaaring mas mahigit sa dalawang puntos ng porsyento na mas mataas kaysa sa nakaraang antas.

    Unawain kung paano ginagamit ng mga nagpapautang ang index at margin para i-adjust ang iyong antas ng interes. 



    Jumbo loan

    Sa bawat taon, ang Fannie Mae, Freddie Mac, at ang nagpapatakbo sa mga ito na Federal Housing Finance Agency (FHFA, Pederal na Ahensya ng Pagpipinansya sa Pabahay), ay nagtatakda ng pinakamataas na halaga para sa mga loan na bibilhin nila mula sa mga nagpapautang.

    Magbasa nang higit pa (sa Ingles) 



    Lender's title insurance

    Pinoprotektahan ng lender's title insurance ang nagpapautang sa iyo laban sa mga problema sa titulo ng iyong ari-arian-tulad ng sa isang taong may legal na paghahabol sa tirahan. Pinoprotektahan lamang ng lender's title insurance ang nagpapautang laban sa mga problema sa titulo. Upang maprotektahan ang iyong sarili, maaaring kailanganin mong bumili ng owner's title insurance.

    Magbasa nang higit pa (sa Ingles) 



    Panghabang-buhay na limit sa adjustment (Lifetime adjustment cap)

    Ang panghabang-buhay na limit sa adjustment ay karaniwang ginagamit sa mga adjustable rate mortgage (mga ARM). Sa limit na ito napagpapasyahan kung gaano kalaking antas ng interes ang maaaring itaas sa kabuuan, sa loob ng buhay ng loan. Halimbawa, kung limang porsyento ang limit na ito, iyon ay nangangahulugang hindi kailanman magiging limang puntos ng porsyento na mas mataas ang antas kaysa sa unang antas. Ang ilang nagpapautang ay maaaring may naiiba o mas mataas na limit.

    Unawain kung paano nagiging salik ang index sa mga adjustable-rate mortgage loan. 



    Loan assumption

    Nangyayari ang loan assumption kapag ipagpapatuloy ng bumibili ang pagbabayad sa mortgage ng nagbebenta sa oras na bilhin nila ang tirahan ng nagbebenta. Babayaran ng bumibili ang natitirang pagkakautang na balanse sa mortgage ng nagbebenta, sa ilalim ng mga orihinal na tuntunin ng loan—halimbawa, ang antas ng interes at ang natitirang haba ng panahon ng mortgage. Maaaring makatuwiran ang loan assumption kapag ang mga bagong mortgage ay inaalok sa mas matataas na antas ng interes kaysa sa noong orihinal na kinuha ng nagbebenta ang kanilang mortgage.

    Ang natirang halaga sa pagitan ng presyo ng pagbebenta ng tirahan at balanse sa ini-assume na loan ay katumbas ng halaga na kailangang bayaran ng bumibili na mula sa bulsa o sa pamamagitan ng pagkuha ng sarili nilang mortgage loan.

    Upang ipagpatuloy ang pagbabayad sa mortgage, kailangan ng bumibili ng tirahan na maging kuwalipikado sa loan assumption. Ang pagiging kuwalipikado ay kadalasang batay sa pagrerepaso ng credit at kita ng bumibili, na katulad ng pagiging kuwalipikado sa bagong mortgage.

    Maaaring naaangkop din ang loan assumption kapag tumatanggap ka ng titulo sa ari-ariang may mortgage – halimbawa, pagkatapos ng kamatayan o diborsyo.





    Loan deferment

    Ang mga humihiram na nahihirapang bayaran ang mortgage ay karaniwang may karapatang humingi ng tulong sa mortgage servicer. Maaaring sumang-ayon ang servicer sa loan deferment, na nagpapahintulot sa humihiram na maiwasan ang foreclosure sa pamamagitan ng pagpapaliban sa pagbabayad ng mga dapat nang bayarang mortgage. Ang na-defer na halaga ay nakatakdang bayaran kapag ire-refinance o ibebenta ng humihiram ang tirahan, o kung nagtapos na ang mortgage sa iba pang paraan.



    Tantiya ng loan (Loan estimate)

    Ang tantiya ng loan ay tatlong-pahinang form na matatanggap mo pagkatapos mag-apply para sa mortgage.

    Magbasa nang higit pa (sa Ingles) 



    Pagbabago sa loan (Loan modification)

    Ang pagbabago sa mortgage loan ay ang pagbabago sa mga termino ng iyong loan. Ang pagbabago ay isang uri ng mitigasyon sa pagkalugi. Maaaring mabawasan sa pagbabagong ito ang buwanang kabayaran mo sa halagang kaya mong bayaran. Maaaring nakapaloob sa mga pagbabago ang pagpapalawig ng bilang ng taon na kailangan mong bayaran ang loan, pagbawas sa antas ng iyong interes, at/o pagbibigay ng forbearance o pagbawas sa balanse ng iyong prinsipal. Kung nag-alok sa iyo ng pagbabago sa loan, siguraduhing alam mo kung paano nito babaguhin ang buwanang babayaran mo at ang kabuuang halaga na magiging pagkakautang mo sa maikling panahon at sa pangmatagalang panahon.

    Alamin pa ang tungkol sa pagbabago sa mortgage loan

    Kung naapektuhan ka ng coronavirus pumunta dito para sa karagdagang impormasyon tungkol sa mga opsyon para sa tulong sa mortgage. 



    Ratio ng loan sa halaga (Loan-to-value ratio)

    Ang ratio ng loan sa halaga (LTV) ay ang sukatan sa paghahambing ng halaga ng iyong mortgage sa nai-appraise na halaga ng ari-arian. Mas mababa ang iyong LTV ratio kung mas mataas ang iyong down payment. Maaaring gamitin ng mga nagpapahiram ng mortgage ang LTV sa pagpapasya kung pauutangin ka at pagpapasyahan kung mangangailangan sila ng pribadong mortgage insurance.

    Alamin kung paano nauugnay ang ratio ng loan sa halaga sa mga gastos mo. 


    Mitigasyon sa pagkalugi (Loss mitigation)

    Ang mitigasyon sa pagkalugi ay tumutukoy sa mga hakbang na ginagawa ng mga mortgage servicer upang makipagtulungan sa humihiram ng mortgage upang maiwasan ang foreclosure. Ang mitigasyon sa pagkalugi ay tumutukoy sa responsibilidad ng servicer na bawasan o “hindi palalain” ang pagkalugi ng namuhunan na maaaring magmula sa foreclosure. May ilang opsyon sa mitigasyon sa pagkalugi na maaaring makatulong sa iyong manatili sa iyong tirahan. Ang ilang opsyon ay maaaring makatulong sa iyong umalis ng iyong tirahan nang hindi na dumadaan pa sa foreclosure. Maaaring kasama sa mga opsyon ng mitigasyon sa pagkalugi ang deed-in-lieu ng foreclosure, forbearance, repayment plan, short sale, o pagbabago sa loan.

    Kung nahihirapan kang bayaran ang iyong mortgage, o kung inalukan ka at pinag-iisipan mo ang iba't ibang opsyon ng mitigasyon sa pagkalugi, makipag-ugnayan sa ahensya ng pagpapayo na inaprubahan ng Department of Housing and Urban Development (HUD, Kagawaran ng Pabahay at Pagpapaunlad sa Kalunsuran).

    Maaari mong gamitin ang tool ng CFPB “Find a Counselor” (Maghanap ng Tagapayo) para makuha ang listahan ng mga ahensyang nagpapayo sa iyong lugar na inaprubahan ng HUD. Maaari mo ring tawagan ang HOPE™ Hotline, na bukas ng 24 na oras sa isang araw, pitong araw sa isang linggo, sa (888) 995-HOPE (4673).

    Kung naapektuhan ka ng coronavirus pumunta dito para sa karagdagang impormasyon tungkol sa mga opsyon para sa tulong sa mortgage. 



    Margin

    Ang margin ay ang bilang ng puntos ng porsyento na idinadagdag sa index ng nagpapautang ng mortgage para itakda ang iyong antas ng interes sa adjustable-rate mortgage (ARM) kapag natapos na ang unang panahon ng antas. Nakatakda ang margin sa kasunduan sa iyong loan at hindi magbabago pagkatapos ng closing. Ang halaga ng margin ay depende sa partikular na nagpapautang at loan.

    Unawain kung paano nagiging salik ang margin sa adjustable-rate mortgage loan. 



    Mga buwanang gastos (Monthly expenses)

    Ito ang kung magkano ang gagastusin mo kada buwan. Maaaring kasama rito ang, ngunit hindi limitado sa, mga nauulit na obligasyon tulad na kabayaran sa upa o mortgage, mga utilidad, kabayaran sa sasakyan, kabayaran sa suporta sa bata, at kabayaran sa insurance, pati na rin ang mga pangangailangang tulad ng pagkain. Karamihan sa mga obligasyong ito ay magkakaroon ng hindi nagbabagong itinakdang petsa ng pagbabayad.

    Suriin ang iyong buwanang paggasta gamit ang tracker sa paggasta na ito. 



    Mortgage

    Ang mortgage ay ang kasunduan sa pagitan mo at sa nagpapautang na nagpapahintulot sa iyong humiram ng pera para bilhin o i-refinance ang tirahan at nagbibigay sa nagpapautang ng karapatang kunin ang iyong ari-arian kung hindi mo mababayaran ang perang hiniram mo.

    Kung kumuha ka na ng mortgage, alamin pa ang tungkol sa pagbili ng bahay. 



    Listahan ng gagawin sa mortgage closing (Mortgage closing checklist)

    Ang listahan ng gagawin sa mortgage closing ay listahan ng mga hakbang na maaari mong gamitin para paghandaan at matutunan kung ano ang aasahan. Makakatulong ito sa iyong tukuyin ang mga pangunahing itatanong nang maaga nang sa gayon ay makakapag-close ka nang may kumpiyansa.

    Gamitin ang worksheet na ito para maghanda para sa closing. 



    Mga gastos sa mortgage closing (Mortgage closing costs)

    Ang mga gastos sa mortgage closing ay lahat ng gastos na babayaran mo sa panahon ng closing. Kabilang dito ang mga singil sa origination, singil sa appraisal, gastos sa credit report, singil sa title insurance, at iba pang mga singil na ipinapataw ng nagpapautang sa iyo o binabayaran bilang bahagi ng transaksyon sa mortgage ng real estate. Kailangang magbigay ang mga nagpapautang ng buod ng mga gastos na ito sa Tantiya ng Loan.

    Alamin pa ang tungkol sa kung anong mangyayari sa closing. 



    Mortgage insurance

    Pinoprotektahan ng mortgage insurance ang nagpapautang kung mahuhuli ka sa iyong mga pagbabayad. Karaniwang kailangan ang mortgage insurance kung ang iyong down payment ay mas mababa sa 20 porsyento ng halaga ng ari-arian. Karaniwang kailangan din ang mortgage insurance as mga FHA at USDA loan. Gayunpaman, kung mayroon kang conventional loan at ang iyong down payment ay mas mababa sa 20 porsyento, malamang na magkaroon ka ng Insurance sa Pribadong Mortgage (PMI).

    Unawain kung paano gumagana ang mortgage insurance 



    Pagbabago sa mortgage loan (Mortgage loan modification)

    Ang pagbabago sa mortgage loan ay ang pagbabago sa mga termino ng iyong loan. Ang pagbabago ay isang uri ng mitigasyon sa pagkalugi.

    Magbasa nang higit pa (sa Ingles) 



    Pag-refinance ng mortgage (Mortgage refinance)

    Ang pag-refinance ng mortgage ay kapag kumuha ka ng panibagong loan para mabayaran at mapalitan ang dati mong loan. Ang mga karaniwang dahilan sa pag-refinance ay upang mapababa ang buwanang antas ng interes, mapababa ang kabayaran sa mortgage, at upang humiram ng karagdagang pera. Kapag nagre-refinance ka, karaniwang kailangan mong bayaran ang mga gastos at singil sa closing. Kung nag-refinance ka at nakakuha ng mas mababang buwanang kabayaran, siguraduhing nauunawaan mo kung magkano ang kabawasan mula sa antas ng interes at kung magkano ito dahil magiging mas mahaba ang termino ng iyong loan.


    Termino ng mortgage (Mortgage term)

    Ang termino ng iyong mortgage loan ay kung gaano katagal mo kailangang bayaran ang loan. Para sa karamihan sa mga uri ng tirahan, ang mga termino ng mortgage ay karaniwang nasa 15, 20 o 30 taon.

    Tuklasin ang mga opsyon sa termino ng loan. 



    Origination fee

    Ang origination fee ay ang sinisingil ng nagpapautang sa humihiram sa paggawa ng mortgage loan. Maaaring kasama sa origination fee ang pagpoproseso ng aplikasyon, underwriting at pagpopondo ng loan, at iba pang mga pang-administratibong serbisyo. Karaniwang tataas lamang ang mga origination fee sa mga partikular na pagkakataon.

    Alamin pa ang tungkol sa mga gastos sa mortgage origination. 



    Owner's title insurance

    Ang owner's title insurance ay nagbibigay ng proteksyon sa may-ari ng tirahan kung may nagdemanda at nagsabing may habol sila sa tirahan mula sa bago ito binili ng may-ari ng tirahan.

    Magbasa nang higit pa (sa Ingles) 



    Pagpipinansya ng PACE (Pace financing)

    Ang pagpipinansya ng PACE ay nagbibigay ng paraan para mapondohan ang mga pagpapabuti sa tirahan na makakatipid sa enerhiya.

    Magbasa nang higit pa (sa Ingles) 



    Partial claim

    Ang partial claim ay isang paraan ng paggamit ng mortgage insurance upang matulungan ang nahihirapang may-ari ng tirahan na maiwasan ang foreclosure. Gagawa ng claim ang mortgage servicer laban sa mortgage insurance para sa halaga ng anumang hindi nabayarang mortgage, at magsasantabi ang insurer ng pera sa hiwalay na account. Pagkatapos, kapag ang humihiram ay ire-refinance ng mortgage, ibebenta ang tirahan, o kaya ay wawakasan ang mortgage, ang halaga ng partial claim ay ibabayad sa mortgage servicer. Paminsan-minsan, hindi sakop ng halaga ng partial claim ang buong halaga ng mga hindi nabayaran, at sa mga kasong iyon, kailangang bayaran ng humihiram ang natirang halaga.



    Halaga ng kabayaran (Payoff amount)

    Ang halaga ng iyong kabayaran ay kung magkano ang talagang dapat mong bayaran para matupad ang mga termino ng iyong mortgage loan at mabayaran nang buo ang utang mo. Ang halaga ng iyong kabayaran ay naiiba sa kasalukuyang balanse mo. Ang kasalukuyang balanse mo ay maaaring hindi sumalamin sa kung magkano ang talagang dapat mong bayaran upang ganap na tuparin ang loan. Kabilang din sa halaga ng iyong kabayaran ang kabayaran sa anumang interes na pagkakautang mo hanggang sa araw na nilalayon mong bayaran nang buo ang iyong loan. Maaaring kasama rin sa halaga ng kabayaran ang ibang mga singil na naipon mo at hindi pa nababayaran. 



    Mga PCS order (PCS orders)

    Ang mga active duty servicemember ay maaaring mabigyan ng mga permanent change of station (PCS, permanenteng pagbabago ng istasyon) order. Ang mga PCS order ay ang opisyal na paglipat ng servicemember (at ng sinumang kapamilyang kasama nila sa tirahan) sa ibang lokasyon ng tungkulin. Kung may pag-aaring tirahan ang servicemember, maaari nilang piliing ibenta ito. Kung mas malaki ang pagkakautang ng servicemember sa tirahan kaysa sa halaga ng tirahan, maaari silang mahirapang ibenta ito. Naghahandog ng mga programa ang ilang servicer para pahintulutan ang mga servicemember na ibenta ang kanilang tirahan at hindi na kailangan pang bayaran ang natitirang balanse sa loan. Bisitahin ang mga sanggunian ng servicemember para sa karagdagang impormasyon. 



    PITI

    Ang Principal, Interes, Taxes (Mga Buwis), at Insurance, na kilala bilang PITI, ay ang apat na pangunahing elemento ng buwanang kabayaran sa mortgage.

    Magbasa nang higit pa (sa Ingles) 



    PMI

    Ang Insurance sa Pribadong Mortgage (PMI) ay isang uri ng insurance sa mortgage na kapaki-pakinabang sa nagpapautang. Maaaring kailanganin mong bayaran ang PMI kung ang down payment mo ay mas mababa sa 20 porsyento ng halaga ng ari-arian at mayroon kang conventional loan. Maaari mong makansela ang PMI sa oras na makabuo ka ng partikular na halaga ng equity sa iyong tirahan.

    Unawain pa ang tungkol sa kung kailan kailangan ang PMI 



    Mga paunang binayarang singil na interes (Prepaid interest charges)

    Ang mga paunang binayarang singil na interes ay mga singil na dapat bayaran sa panahon ng closing para sa anumang pang-araw-araw na interes na naipon sa iyong loan sa pagitan ng petsa ng pag-close mo sa iyong mortgage loan at sa panahong sakop ng una mong buwanang kabayaran sa mortgage.

    Magbasa nang higit pa (sa Ingles) 



    Prepayment penalty

    Ang prepayment penalty ay singil na ipinapataw ng ilang nagpapautang kung babayaran mo ang lahat o bahagi ng iyong mortgage nang maaga. Kung mayroon kang prepayment penalty, ang ibig sabihin ay sumang-ayon ka rito noong nai-close mo ang iyong tirahan. Hindi lahat ng mortgage ay may prepayment penalty. 



    Principal

    Ang principal ay ang halaga ng mortgage loan na kailangan mong bayaran. Kasama sa iyong buwanang kabayaran ang bahagi ng principal. Kapag binayaran ang principal, nababawasan ang pagkakautang ng humihiram, at magbabayad ng mas mababang interes batay sa mas bumabang loan.

    Unawain ang pagkakaiba sa pagitan ng antas ng interes at principal. 



    Mga buwis sa ari-arian (Property taxes)

    Ang mga buwis sa ari-arian ay mga buwis na sinisingil ng mga lokal na hurisdiksyon, karaniwan sa antas na pang-county, batay sa halaga ng ari-arian na binubuwisan. Kadalasan, kinokolekta ang mga buwis sa ari-arian sa loob ng buwanang kabayaran sa mortgage ng may-ari ng tirahan, at pagkatapos ay ibinabayad sa nauukol na hurisdiksyon nang isa o maraming beses sa bawat taon. Ang tawag dito ay escrow account. Kung walang escrow account, direktang babayaran ng may-ari ng tirahan ang mga buwis sa ari-arian.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Kuwalipikadong mortgage (Qualified mortgage)

    Ang kuwalipikadong mortgage ay kategorya ng mga loan na may mga partikular at mas matatag na katangian na nakakatulong upang gawin itong mas malamang na kaya mong bayaran ang iyong loan. Magbasa nang higit pa (sa Ingles) 



    Qualified written request (QWR) (Qualified Written Request (QWR))

    Ang Qualified written request (Kuwalipikadong Nakasulat na Kahilingan), o QWR, ay nakasulat na komunikasyon na maaari mong ipadala o ng isang taong kumikilos sa ngalan mo sa iyong mortgage servicer. Sa halip na QWR, maaari mo ring padalhan ang iyong servicer ng Notice of Error (Paunawa ng Pagkakamali) o Request for Information (Kahilingan para sa Impormasyon).

    Magbasa nang higit pa (sa Ingles) 



    Repayment plan

    Ang repayment plan ay naka-estrukturang paraan para mabayaran mo ang mga hindi mo nabayarang mortgage loan sa loob ng partikular na haba ng panahon. Ito ay isang uri ng mitigasyon sa pagkalugi. Kung nahihirapan kang bayaran ang iyong mortgage, maaari kang pahintulutan ng nagpapautang sa iyo o ng iyong servicer na pumasok sa isang repayment plan. Bago pasukin ang repayment plan, siguraduhing nauunawaan mo ang mga iniaatas sa plan at kung makakapagbigay ka ng mga bagong kabayaran. 



    Reverse mortgage

    Ang reverse mortgage ay nagpapahintulot sa mga may-ari ng tirahan na nasa edad na 62 o mas matanda pa na humiram sa kanilang home equity. Tinatawag itong “reverse” (“baligtad”) na mortgage dahil, sa halip na magbayad sa nagpapautang, tumatanggap ka ng pera mula sa nagpapautang. Ang perang natatanggap mo, at ang interes na ipinataw sa loan, ay nagpapataas sa balanse ng loan sa bawat buwan. Karamihan sa mga reverse mortgage ngayon ay tinatawag na mga HECM, maikling salita para sa Home Equity Conversion Mortgage (Mortgage sa Pagpapalit ng Equity ng Tirahan).

    Alamin kung ano ang dapat mong isaalang-alang bago mag-apply para sa reverse mortgage. 



    Right of rescission

    Ang right of rescission ay tumutukoy sa karapatan ng mamimili na kanselahin ang mga partikular na uri ng mga loan. Kung bumibili ka ng tirahan na may mortgage, wala kang karapatang kanselahin ang loan sa oras na mapirmahan ang mga dokumentong pang-closing. Gayunpaman, kung magre-refinance ka ng mortgage, mayroon kang hanggang hatinggabi ng ikatlong araw ng negosyo pagkatapos ng transaksyon na bawiin (kanselahin) ang kontrata ng mortgage. Ang tatlong-araw na panahon ay hindi magsisimula hanggang sa mapirmahan mo ang credit sa kontrata (karaniwang tinatawag na promissory note), natanggap mo ang form ng pagsisiwalat na Katotohanan sa Pagpapautang, at natanggap mo ang dalawang kopya ng paunawang nagpapaliwanag ng iyong karapatang magkansela. 



    Pangalawang mortgage (Second mortgage)

    Ang pangalawang mortgage o junior lien ay loan na kinukuha mo gamit ang iyong tirahan bilang kolateral habang mayroon ka pang isang loan na kinuha sa iyong tirahan.

    Alamin pa ang tungkol sa mga pangalawang mortgage. 



    Security interest

    Security interest ang nagpapahintulot sa nagpapautang na mag-foreclose kung hindi mo babayaran ang perang hiniram mo.

    Magbasa nang higit pa (sa Ingles) 



    Seller financing

    Ang seller financing ay ang loan na ginagawa ng nagbebenta sa iyong tirahan para sa iyo.

    Magbasa nang higit pa (sa Ingles) 



    Servicer

    Ang iyong mortgage servicer ay ang kumpanyang nagpapadala sa iyo ng iyong mga mortgage statement. Pinangangasiwaan din ng iyong servicer ang mga pang-araw-araw na takdang gawain ng pamamahala sa iyong loan.

    Ang iyong loan servicer ang karaniwang nagpoproseso ng iyong mga kabayaran sa loan, sumasagot sa mga tanong ng humihiram, sumusubaybay sa binayarang principal at interes, at namamahala sa iyong escrow account (kung mayroon ka nito). Maaaring simulan ng loan servicer ang foreclosure sa ilalim ng mga partikular na kalagayan. Ang iyong servicer ay maaari o maaaring hindi ang parehong kumpanyang unang nagbigay sa iyo ng iyong loan. 



    Shared appreciation mortgage

    Sa ilalim ng shared appreciation mortgage, sumasang-ayon ka na bigyan ang nagpapautang sa iyo ng bahagi ng anumang pagtaas sa halaga ng iyong tirahan.

    Magbasa nang higit pa (sa Ingles) 



    Short sale

    Ang short sale ay ang pagbebenta ng iyong tirahan sa mas mababang halaga kumpara sa kung magkano ang pagkakautang mo sa mortgage. Ang short sale ay isang alternatibo sa foreclosure, ngunit dahil isa itong pagbebenta, kakailanganin mong umalis ng iyong tirahan. Kung sumang-ayon ang nagpapautang sa iyo o ang iyong servicer sa short sale, maaari mong ibenta ang iyong tirahan para mabayaran ang mortgage, kahit na ang presyo sa pagbebenta o ang mga kita ay naging mas mababa kaysa sa natitirang balanse ng iyong mortgage. Ang short sale ay isang uri ng mitigasyon sa pagkalugi. Kung nakatira ka sa isang estado kung saan responsable ka sa anumang kakulangan, na siyang resulta ng pagbawas ng halagang pagkakautang mo pa rin sa iyong mortgage loan mula sa halaga ng iyong ari-arian, kakailanganin mong hilingin sa nagpapautang sa iyo na i-waive ang kakulangan. Kung nai-waive ng nagpapautang ang kakulangan, kunin ang waiver na ito sa paraang nakasulat at itabi para sa iyong mga rekord. 



    Subprime mortgage

    Kapag ginagamit ng mga nagpapautang ang terminong ito, karaniwan ang ibig sabihin nila ay programa ng loan para sa mga humihiram na hindi kuwalipikado sa prime loan, na kadalasang may mas mataas na antas ng interes.

    Alamin pa ang tungkol sa proseso ng pagbili ng tirahan. 



    Survey

    Ang survey ay ang pagkakaguhit sa iyong ari-arian na nagpapakita ng lokasyon ng lote, bahay at iba pang mga estruktura, pati na rin ang anumang mga pagpapabuti sa ari-arian.

    Magbasa nang higit pa (sa Ingles)





    Mga title service fee (Title service fees)

    Ang mga title service fee ay bahagi ng mga gastos sa closing na binabayaran mo kapag kumukuha ng mortgage. Kapag bumili ka ng tirahan, makakatanggap ka ng isang dokumentong madalas na tinatawag na isang deed, na nagpapakita na inilipat sa iyo ng nagbebenta ang kanilang legal na karapatan sa pagmamay-ari, o “title” (“titulo”) sa bahay. Ang mga title service fee ay mga gastos na nauugnay sa pag-iisyu ng title insurance policy (polisa ng seguro sa titulo) para sa nagpapautang.

    Magbasa nang higit pa (sa Ingles) 



    Kabuuang porsyento ng interes (TIP) (Total interest percentage (TIP))

    Ang Kabuuang Porsyento ng Interes (TIP) ay pagsisiwalat na nagsasabi sa iyo kung magkanong interes ang babayaran mo sa kabuuang buhay ng iyong mortgage loan.

    Magbasa nang higit pa (sa Ingles) 



    Kabuuan ng mga kabayaran (Total of payments)

    Ang bilang na ito ang nagsasabi sa iyo ng kabuuang halaga ng perang mababayaran mo sa loob ng buhay ng iyong mortgage.

    Magbasa nang higit pa (sa Ingles) 



    TRID

    Ang “TRID” ay isang akronima na ginagamit ng ilang indibidwal na tumutukoy sa patakarang TILA RESPA Integrated Disclosure (Pinagsamang Pagsisiwalat).

    Magbasa nang higit pa (sa Ingles) 



    USDA loan

    Ang Rural Housing Service (Serbisyo ng Pabahay sa Lalawigan), na bahagi ng U.S. Department of Agriculture (USDA, Kagawaran ng Agrikultura ng U.S.) ay naghahadog ng mga programa ng mortgage na walang down payment at karaniwang may mga paborableng antas ng interes sa mga bumibili ng tirahan sa mga lalawigan na tumutugon sa mga iniaatas ng USDA pagdating sa pagiging karapat-dapat sa kita.

    Alamin pa ang tungkol dito at sa iba pang mga programa ng loan. 



    VA loan

    Ang VA loan ay isang programa ng loan na inihahandog ng Department of Veterans Affairs (VA, Kagawaran para sa mga Kapakanan ng mga Beterano) upang tulungan ang mga servicemember, beterano, at karapat-dapat na naulilang asawa na bumili ng tirahan. Hindi gumagawa ng loan ang VA, ngunit nagtatakda ito ng mga patakaran para sa kung sino ang maaaring maging kuwalipikado at ng mga tuntunin sa mortgage. Ginagarantiya ng VA ang bahagi ng loan upang mabawasan ang panganib ng pagkalugi sa nagpapautang. Karaniwang makukuha lamang ang mga loan para sa pangunahing tirahan.

    Kung ikaw ay isang beterano, alamin kung tama para sa iyo ang VA loan.

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    Shopping for a mortgage (in Tagalog)
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    Paghahanap ng tamang mortgage

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    Ang paghahanap ng tamang mortgage ay nangangailangan ng oras at enerhiya. Ngunit dito ka makakatipid ng libu-libong dolyar. Gawing mong layunin ang paghahambing ng hindi bababa sa tatlong alok na loan mula sa iba't ibang lender.

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    Kumuha ng hindi bababa sa tatlong pre-approval (paunang pag-apruba)

    Ang Internet at ang mga pahayagan ay isang magandang lugar para simulan ang paghahanap ng mga mortgage lender. Makipag-ugnayan sa mga bangko, credit union, at organisasyon na maaaring may espesyalisasyon sa iyong sitwasyon—tulad ng mga bibili ng bahay sa unang pagkakataon, beterano, manggagawa ng pampublikong serbisyo, o iba pa.

    Humingi ng hindi bababa sa tatlong magkakaibang lender para sa “preapproval” (“paunang pag-apruba”). Ito ay nangangahulugan na titingnan ng lender ang iyong kalagayang pinansyal, kabilang ang iyong credit report, at mga tantiya ng kung magkano ang puwede mong hiramin at kung magkanong interes ang malamang na babayaran mo.

    Ang preapproval ay nagpapahintulot sa iyong subukan ang bawat lender upang makita kung anong uri ng mga loan at presyo ang inaalok nito. Kapag nakuha mo ang lahat ng tatlong preapproval sa loob ng maikling panahon, hindi ito dapat magkaroon ng malaking epekto sa iyong credit score.

    Babalikan mo ang mga lender na ito kapag nakagawa ka na ng ilang desisyon, at hihiling ka ng mga alok na loan.

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    Maghanap ng tamang termino ng loan, istraktura ng interest rate, at programa

    Termino ng loan: Mas mahaba o mas maikli

    Sa pangkalahatan, mas malaki ang halaga ng mas mahabang termino ng loan sa kabuuan ng buhay ng loan. Ngunit karaniwang mas mababa ang iyong mga buwanang pagbabayad. Maaari kang makipag-areglo sa ibang termino ng loan sa iyong lender, tulad ng 20 taon, 7 taon, o kahit mas mahaba sa 30 taon.

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    Pinipili ng karamihan ng mga bumibili ng bahay ang 30-taong loan dahil maaaring mababa ang mga pagbabayad.

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    Karaniwang mas mataas ang mga pagbabayad kaysa sa 30-taong loan, ngunit mababayaran ang iyong loan sa loob ng 15 taon at maaaring mas mababa ang kabuuang halaga ng loan.

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    Istraktura ng interest rate ng loan: Fixed rate (hindi nagbabagong antas) o adjustable rate (nagbabagong antas)

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    Karaniwan ang mga loan na may fixed-rate. Ang una mong pagbabayad ay maaaring mas mababa sa loan na may adjustable rate, ngunit kung tumaas ang mga interes rate, maaari kang maharap sa biglaang pagtaas ng mga pagbabayad.

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    Mananatiling hindi magbabago ang iyong interes rate at buwanang pagbabayad para sa buong buhay ng iyong loan.

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    Karaniwang hindi nagbabago ang iyong interest rate sa unang ilang taon ng loan. Sa oras na magtapos ang panahon ng hindi pagbabago, magbabago ang rate sa mga regular na interbal batay sa isang “index.” Ang index ay karaniwang sukatan ng mga interest rate, at sumasalamin ito sa mga kalakaran sa pangkalahatang ekonomiya. Ito ay nangangahulugang maaaring tumaas o bumaba ang halaga ng iyong pagbabayad. Ang mga detalye ay nakapaloob sa Tantiya ng Loan na matatanggap mo sa lender.

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    Programa ng loan: Conventional, FHA, VA, o espesyal na programa

    May maraming programa ng loan, at ang ilan ay itinakda upang tumulong na gawing makukuha ang mga mortgage ng mga tao sa ilang kalagayan o grupo.

    Magbabayad ng 5% down payment o higit pa?

    Magtanong tungkol sa karapat-dapat na loan ng Fannie Mae o Freddie Mac na karaniwang tinatawag na “conventional” loan.

    Magbabayad ng maliit na down payment?

    Magtanong tungkol sa loan na binibigyan ng seguro ng FHA.

    Servicemember o beterano?

    Magtanong tungkol sa loan na binibigyan ng garantiya ng VA.

    Bibili ng bahay sa kanayunan?

    Magtanong tungkol sa loan na iniisponsor ng USDA.

    Bibili ng bahay sa unang pagkakataon na may mababa o katamtamang kita?

    Magtanong tungkol sa mga loan na makukuha sa pamamagitan ng ahensya ng estado na nagpipinansya sa pabahay.

    Paghambingin ang mga alok na loan

    Ngayon naman ay oras na para simulan ang opisyal na proseso ng aplikasyon. Humingi sa iyong mga lender ng mga alok na loan na sumasalamin sa mga gusto mo pagdating sa uri ng loan, programa, at termino. Sa gayon, maipaghahambing mo ang magkakaparehong uri.

    Una, paghambingin ang mga pangunahing bahagi ng loan:

    • Ano ang termino ng loan?
    • Ano ang interest rate?
    • Sa magkanong down payment nakabatay ang loan?
    • Magkano ang buwanang pagbabayad?
    • Para sa mga adjustable-rate mortgage, may limitasyon ba sa mga pagbabago sa kabayaran at interest rate? Bababa ba ang interest rate kung bumaba ang mga interest rate sa merkado?

    Sumunod, paghambingin ang mga natitirang detalye na makakaapekto sa iyong gastos:

    • Sa aking mga pagbabayad, kailan lubusang mababayaran ang principal?
    • Magbabago ba ang mga pagbabayad sa kabuuan ng buhay ng loan? Gaano kataas ang aking magiging pagbabayad?
    • Kasama ba sa aking pagbabayad ang mga buwis sa ari-arian at insurance? Kung hindi, mababayaran ko ba ang mga iyon nang hiwalay?
    • Anong mga gastos at singil ang idadagdag sa una kong pagbabayad? Sa patuloy kong pagbabayad?
    • Kailangan ko bang magbayad ng points (paunang singil upang mabawasan ang interest rate)?
    • Anong mga singil at gastos ang kasama sa halagang hinihiram ko (karaniwan para sa loan na “walang closing cost”)?
    • Tumutugma ba ang nakasulat na alok sa kung ano ang sinabi sa akin tungkol sa loan?
    • Makakakuha ba ako ng mas magandang deal sa mga serbisyo ng kasunduan mula sa ibang tagapagkaloob ng serbisyo?
    • Maaari ko bang bayaran ang loan nang maaga, o magbigay ng mas malaki pa sa mga naka-iskedyul na pagbabayad, nang walang multa?

    Humingi ng mas magandang alok

    Sa oras na makita mo ang mga alok mula sa ilang lender, itanong kung makakapagbigay sila ng mas maganda. Karaniwan ang pakikipag-areglo, at walang masama sa pagtatanong. Maaaring ipagpaliban o bawasan ng lender ang isa o higit pa sa mga singil, o babaan ang interest rates o points.

    Siguraduhing hindi ibinababa ng lender ang isang singil ang itinataas ang isa pa, o ibinababa ang iyong interest rate habang itinataas ang iyong points.

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    Shopping for your auto loan (in Tagalog)
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    Pamimili para sa iyong utang sa auto

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    Bagaman kumplikado, tulad ng iba pang uri ng pamimili, ang pagtitingin sa utang at pagsisikap na makakuha ng pinakamabababang antas at iba pang tadhana. Maghahanda sa iyo ang pagtitingin nang mas maaga sa pakikipag-areglo sa iyong utang sa auto at gawing hindi gaanong nakaka-stress ang proseso.

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    Maghanda bago mag-apply para sa utang sa auto

    Nasa mas mahusay kang posisyon para mamili at makipagtawaran para sa utang sa auto kung susundin mo ang mga hakbang na ito bago ka mag-apply para sa utang.

    Suriin ang iyong credit report

    Tinutukoy ng impormasyon sa iyong credit report ang mga credit score mo. Malaki ang bahagi ng iyong credit score sa pagtukoy kung anong uri ng utang sa auto ang maaari mong makuha, at kung magkano ang interes na babayaran mo para sa utang. Narito ang ilang kapaki-pakinabang na mga mapagkukunan:

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    Kailangan mo ba ng co-signer?

    Ang co-signer ay isang tao – gaya ng magulang, myembro ng pamilya, o kaibigan – na obligado ayon sa kontrata, katulad mo, na bayaran ang loan. Kung limitado ang iyong credit history o kailangang pagandahin, at mayroon kang mababang credit score (o walang credit score), maaaring bumaba ang antas ng iyong interes kung mayroon kang co-signer na may maganda o mahusay na credit. Dahil doon, pagtitiwalaan ng nagpapautang ang credit history at score ng co-signer sa pagpapasiya sa pagsasagawa ng loan.

    Kung pinag-iisipan mong magkaroon ng co-signer, dapat na maingat na pag-isipan mo at ng maaaring co-signer mo ang tungkol sa desisyon na ito. Kung hindi mo mababayaran ang iyong loan, may pananagutan ka at ang iyong co-signer sa pagbabayad. May responsibilidad ang co-signer sa loan kahit wala siyang karapatan sa pag-aari ng sasakyan. Bilang karagdagan, ang anumang pagbabayad nang huli sa loan ay makakaapekto sa iyong credit record at score at sa credit record at score ng iyong co-signer. Pinagbabawalan ng pederal na batas sa pangkalahatan ang nagpapautang sa pag-aatas sa iyo na magkaroon ng isang co-signer kung nag-apply ka para sa loan ng mag-isa at kwalipikado ka sa ilalim ng mga pamantayan ng nagpapautang para sa pagiging karapat-dapat sa credit para sa loan. Para sa higit pang impormasyon tungkol sa co-signing, bumisita sa consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    Suriin ang kasalukuyang mga antas ng interes ng utang sa auto

    Maaari kang magsaliksik ng mga antas sa pamamagitan ng pakikipag-ugnayan sa ilang bangko, credit union, o ibang mga nagpapautang. Maaari ka ring tumingin online sa maraming komersyal na site na maaaring magbigay sa iyo ng pagtantya sa mga antas ng interes sa buong bansa at sa pamamagitan ng iyong zip code. Iuugnay ka ng ilang komersyal na site sa mga ilang nagpapautang at dealer para sa mga pagtatantya, kaya maaaring gugustuhin mong mag-ingat sa paglalagay ng iyong personal na impormasyon.

    Isaalang-alang ang down payment

    Makababawas ang down payment sa kabuuang halaga na iyong finance dahil kailangan mong humiram ng mas kaunting pera. Kung mas malaki ang down payment, mas mababa ang kabuuang halaga ng utang.

    Magpasya kung gusto mong i-trade-in ang kasalukuyan mong sasakyan

    Kung mayroon ka nang sasakyan, saliksikin ang halaga nito upang makita kung magkano ang maaari mong makuha mula sa trade-in o pribadong pagbebenta. Maaari mong tingnan ang tinatayang halaga gamit ang mga online na website pampngangalakal tulad ng Consumer Reports, Edmunds, Kelley Blue Book, NADA Guides, at mga online na anunsyo. Maaaring maaabot din ang mga mapagkukunang ito sa aklatan sa inyong lugar. Makakatulong sa iyo ang paghahanap ng mga halimbawa ng mga katulad na sasakyan na naibenta kamakailan sa inyong lugar na malaman ang patas na presyo.

    Kapag alam mo ang tinatayang halaga ng kasalukuyan mong sasakyan, maaari kang magpasya kung iti-trade-in o ibebenta mo mismo ito. Kapag na-trade-in mo ito sa isang dealership, pagpapasyahan mo at ng dealer ang halaga na ibabawas sa halaga ng pagbili ng susunod mong sasakyan. Kapag ibinenta mo mismo ito, maaari mong gamitin ang pinagbentahan bilang down payment.

    Kung mayroon kang kasalukuyang utang sa auto sa iyong trade-in, pag-isipan nang mabuti ang iyong sitwasyon

    Maingat na pag-isipan kung kukuha ba ng bagong utang bilang karagdagan sa kasalukuyan mong utang. Narito ang ilang pagsasaalang-alang at hakbang:

    • Kunin ang halaga ng kabayaran, na halaga upang mabayaran ang kasalukuyang utang, mula sa kasalukuyan mong nagpapautang bago pumunta sa dealership.
    • Magpasya kung babayaran mo ang kasalukuyan mong utang ngayon, maghintay hanggang mabayaran mo ang iyong dating utang sa auto bago ka mangutang para sa isa pang sasakyan, o isama ang halaga ng utang mo sa kasalukuyan mong sasakyan sa iyong bagong utang sa auto.
    • Kung mas mataas ang utang mo sa kasalukuyan mong sasakyan kaysa sa talagang halaga nito — tinutukoy bilang upside down — kung gayon, mayroon kang negative equity. Kung idaragdag mo ang balanse ng kasalukuyan mong utang sa auto sa iyong bagong utang sa auto, maaari nitong gawing higit na mas mahal ang bagong utang sa auto. Ang kabuuang halaga ng utang ay magiging mas mataas dahil manghihiram ka ng higit sa presyo lang ng iyong bagong sasakyan.
    • Matapos kang magsaliksik sa halaga ng iyong trade-in, kung mas mababa ang halaga ng utang mo pa sa trade-in kaysa sa halaga nito, siguraduhin na sa panahon ng anumang pag-areglo na pag-iisipan mo kung makakakuha ka ba ng patas na halaga para sa iyong trade-in at kung kaya mo bang bayaran nang buo ang dating utang sa auto.
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    Mayroon ka pa bang utang sa iyong trade-in?

    Kung pinag-iisipan mo ang paglilipat ng balanse ng lumang utang sa iyong bagong utang, siguraduhing nauunawaan mo kung paano ito makakaapekto sa kabuuang halaga ng iyong bagong utang. Maingat na tingnan ang kabuuang halaga ng bagong utang kabilang ang halagang hiniram, ang taunang antas ng porsyento (APR), ang antas ng interes, ang tadhana ng loan (sa buwan), at ang buwanang bayad – bago ka sumang-ayon sa anumang bagay. Kung hindi mo idadagdag ang halaga ng utang mo pa sa iyong lumang sasakyan sa bagong utang, at panatilihin ang kasalukuyan mong sasakyan habang bumibili ng bago, sa gayon ay magkakaroon ka ng dalawang utang at dalawang buwanang bayarin. Sa alinmang paraan, baka gusto mong isaalang-alang kung makatuwiran ba ang magpatuloy sa transaksyon at bilhin ang susunod na sasakyan kung may utang pa sa iyong trade-in. Para sa karagdagang impormasyon, bumisita sa consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779/.

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    Pag-isipan ang tungkol sa mapipiling mga add-on nang mas maaga

    Kapag pumunta ka sa auto dealer, malamang na alukin ka ng mga karagdagang produkto at serbisyo para sa sasakyan o para sa utang. Mahusay na ideya kung pag-isipan ang mga add-on na ito nang mas maaga, nang sa gayon wala kang masyadong alalahanin kapag nasa dealership, at handa na ang iyong mga sagot kapag inalukan kang bilihin ang mga extra na ito. Kasama sa mga karaniwang add-on ang:

    Ang mga produkto at serbisyo na ito, na maaari mong utangin, ay di-sapilitan at opsyonal lamang. Kung bibilhin mo ang mga ito, madadaan sa areglo ang presyo. Kung sa tingin mo, gusto mong bilhin ang mga produkto o serbisyo iyon, tumingin-tingin sa ibang lugar. Halimbawa, maaaring mag-alok ng GAP na seguro ang iyong sariling kompanya ng seguro sa auto, seguro sa credit, o iba pang mga alternatibo. Kung uutang ka para sa di-sapilitang mga add-on bilang bahagi ng iyong utang, tataas ang halaga na iyong hiniram at babayaran.

    Ngayong nagawa mo na ang iyong takdang-aralin, handa ka nang gawin ang susunod na hakbang: mamili para sa iyong utang sa auto. Gamitin ang worksheet pang-utang sa auto sa dulo ng gabay na ito para subaybayan ang mga tadhana ng utang at ihambing ang iyong mga pagpipilian. Dalhin ang worksheet sa bangko, sa credit union, sa iba nagpapautang, at dealership para maaari mong ihambing ang iyong mga pagpipilian na utang at makuha ang pinakamainam na deal para sa iyo.

    Bumili para sa utang sa auto

    Ngayon, handa ka na para simulan ang pamimili para sa utang. Bago ka pumunta sa dealership, tipunin ang iyong personal na impormasyon at isaalang-alang kung paano makakakuha ng pag-preapprove para sa utang.

    Maghahanda sa iyo ang pagtitingin nang mas maaga para sa pakikipag-areglo sa iyong utang sa auto at gawing hindi gaanong nakaka-stress ang pag-proseso.

    Tipunin ang iyong personal na impormasyon

    Kapag pupunta ka sa bangko, credit union, o dealership, siguraduhing tipunin ang lahat ng impormasyon na kakailanganin mo. Hihingin ng nagpapautang ang mga impormasyong ito sa aplikasyon ng utang:

    • Pangalan
    • Social Security Number o ITIN
    • Petsa ng kapanganakan
    • Kasalukuyan at dating (mga) address at tagal ng pananatili
    • Kasalukuyan at dating (mga) empleyado at tagal ng pagtatrabaho
    • Trabaho
    • Pinagmumulan ng kita
    • Total ng kabuuang buwanang kita
    • Pinansyal na impormasyon sa mga kasalukuyang credit account, kabilang ang iba pang mga utang

    Pagkuha ng pag-preapprove para sa utang

    Isang magandang pagsimula ang pagkuha ng preapprove na alok o quote ng utang na may pinakamalaking halaga ng pautang at antas, mula sa bangko, credit union, o iba nagpapautang. Kapag dinala mo sa dealer ang quote sa utang mula sa nagpapautang, maaaring lumakas ang posisyon mo sa pakikipagtawaran upang makakuha ng mas mahusay na deal, manatili ka man sa alok na dinala mo o magpasyang tanggapin ang alok na financing ng dealer.

    Tinutulungan ka rin ng pag-preapprove na hindi lumampas sa iyong badyet at nagbibigay-daan sa iyo na maghambing ng mga antas ng interes nang hindi napiilitan dahil sa oras na maaari mong madama sa sandaling nasa dealership ka. Pagkatapos, habang nasa dealership, maaari kang mas makapag-focus sa tunay na presyo ng sasakyan at sa iyong trade-in dahil malalaman mo na ang mga tadhana ng utang na maaari mong makuha. Magkakaroon ka pa rin ng pagkakataon na makipaareglo ng mas magandang utang sa dealership at hindi gamitin ang iyong pagkaka-preapprove.

    Kung na-preapprove ang iyong aplikasyon, bibigyan ka ng mga dokumento ng nagpapautang para dalhin sa dealership. Kapag handa ka nang bumili, magsasagawa ng huling mga pakikipag-ayos ang dealer sa nagpapautang sa iyo.

    Unawain kung paano nakakaapekto ang pamimili ng utang sa iyong credit score

    Sa pangkaraniwan, kaunti hanggang walang epekto sa iyong (mga) credit score ang pagbili sa pinakamainam na deal sa utang sa auto. Malalampasan ng benepisyo ng pagtitingin ang anumang epekto sa iyong credit. Sa ilang kaso, maaaring makapagpababa sa iyong (mga) credit score ang pag-a-apply para sa maraming utang sa loob ng mahabang panahon. Depende sa modelo ng pag- aalam ng credit score na ginamit, sa pangkalahatan, bibilangin lang na isang pag-usisa ang anumang mga kahilingan o pagtanong ng mga nagpapautang na ito para sa iyong (mga) credit score na naganap sa loob ng panahon mula 14 na araw hanggang 45 araw. Ang ibig sabihin nito, bibilangin ang mga pagtitingin para sa utang sa auto sa yugto ng panahong iyon na katulad ng pag-a-apply para sa isang utang lang. Maaari mong mapaliit ang anumang negatibong epekto sa iyong credit score sa pamamagitan ng paggawa ng lahat ng iyong pagtitingin ng antas sa maikling panahon.

    Alamin ang iyong mga karapatan

    Hindi maaaring pigilan o tanggihan ng nagpapautang ang iyong aplikasyon para sa credit, o mag-aalok ng ibang mga presyo o ibang mga tadhana at kondisyon ng utang, batay sa iyong lahi, kulay, relihiyon, bansang pinagmulan, kasarian, marital status, edad, pagtanggap ng kita mula sa pampublikong tulong, o pagsasagawa ng anumang karapatan na may mabuting intensyon sa ilalim ng Consumer Credit Protection Act.

    Maari kang magsumite ng reklamo online sa Federal Trade Commission (FTC) sa reportfraud.ftc.gov o sa Consumer Financial Protection Bureau (CFPB) sa consumerfinance.gov/complaint o sa pagtawag na walang-bayad sa 1-855-411-CFPB (2372). Maaari mo ring sabihin sa amin ang tungkol sa iyong karanasan nang hindi nagsusumite ng pormal na reklamo.

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    Act fast if you can’t pay your credit cards (in Vietnamese)
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    Hành động nhanh nếu quý vị không thể thanh toán thẻ tín dụng

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    Hãy hành động ngay và gọi cho công ty phát hành thẻ tín dụng nếu quý vị cho rằng mình không thể chi trả khoản thanh toán tối thiểu trên thẻ tín dụng.

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    Nhiều công ty thẻ tín dụng có thể sẵn sàng giúp đỡ nếu quý vị gặp phải tình huống khẩn cấp về tài chính. Quý vị không cần trả trễ khoản thanh toán thì mới được yêu cầu trợ giúp!

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    Đừng phớt lờ vấn đề

    Điều đó chỉ có thể làm cho vấn đề trở nên trầm trọng hơn, chẳng hạn như:

    • Lãi suất cao hơn
    • Mức thanh toán tối thiểu cao hơn
    • Mất đặc quyền tính phí
    • Phí trễ hạn
    • Gây hại đến điểm tín dụng

    Sau đây là những gì cần làm

    1. Cộng thu nhập và chi phí của quý vị

    Tìm cách cắt giảm chi phí. Nếu quý vị không có đủ để chi trả khoản thanh toán tối thiểu, hãy quyết định số tiền quý vị có thể trả.

    2. Gọi cho công ty phát hành thẻ tín dụng

    Hãy giải thích rõ ràng:

    • Lý do quý vị không thể trả mức tối thiểu
    • Số tiền quý vị có thể trả
    • Thời điểm quý vị có thể bắt đầu lại các khoản thanh toán thông thường

    3. Cân nhắc tư vấn tín dụng

    Nếu quý vị cần thêm trợ giúp, các tổ chức tư vấn tín dụng phi lợi nhuận có thể hướng dẫn quý vị thêm về cách quản lý tiền của mình.

    Trước khi đăng ký tư vấn tín dụng, hãy hỏi xem quý vị có bị tính phí không, mức phí là bao nhiêu và những dịch vụ nào quý vị sẽ nhận được. Hãy đảm bảo cố vấn viên tín dụng dành thời gian tìm hiểu về tình hình tài chính của quý vị và đề nghị giúp quý vị tìm hiểu cách cải thiện tình hình.

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    Không có cách sửa chữa dễ dàng

    Một số công ty xóa nợ hoạt động vì lợi nhuận cho biết họ có thể giúp quý vị trả nợ “với giá vô cùng phải chăng”. Tuy nhiên, những lời hứa này thường không thành sự thật. Hãy cảnh giác với bất kỳ tổ chức xóa nợ nào:

    • Tính phí trước khi giải quyết khoản nợ của quý vị
    • Đảm bảo rằng họ có thể làm cho khoản nợ của quý vị biến mất
    • Yêu cầu quý vị ngừng giao tiếp với bên cho vay hoặc công ty thẻ tín dụng
    • Yêu cầu quý vị ngừng thanh toán bằng thẻ tín dụng hoặc khoản vay
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    Auto key terms (in Vietnamese)
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    Các thuật ngữ chính về khoản vay mua xe

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    Giá Trị Tiền Mặt (Actual Cash Value - ACV)

    Giá Trị Tiền Mặt (ACV) là giá trị của xe theo các nguồn độc lập được công nhận rộng rãi như  National Automobile Dealers Association (Hiệp Hội Đại Lý Ô Tô Quốc Gia)  hoặc Kelley Blue Book .


    Sự trả dần mỗi tháng (Amortization)

    Sự trả dần mỗi tháng mô tả quá trình trả dần khoản vay mua xe. Đối với khoản vay trả dần, trong mỗi khoản thanh toán hàng tháng, một phần được trả cho số tiền vay (vốn gốc) và một phần của khoản thanh toán được thanh toán cho phí vay nợ trả góp (tiền lãi).

    Đọc thêm (bằng tiếng Anh)


    Mức Lãi Suất Theo Phần Trăm Mỗi Năm (Annual Percentage Rate - APR)

    Mức Lãi Suất Theo Phần Trăm Mỗi Năm (APR) là chi phí quý vị phải trả mỗi năm khi vay tiền (bao gồm cả phí), biểu thị bằng phần trăm. APR là thước đo rộng hơn về chi phí vay tiền vì nó không chỉ phản ánh lãi suất mà còn cả các khoản phí quý vị phải trả để vay được tiền. APR càng cao, quý vị càng phải trả nhiều tiền trong suốt thời hạn vay.

    APR và lãi suất của khoản vay mua xe là hai trong số các thước đo quan trọng nhất về chi phí quý vị phải trả khi vay tiền. Luật Cho Vay Trung Thực (TILA) của liên bang yêu cầu người cho vay tiết lộ cụ thể cho quý vị về các điều khoản quan trọng (bao gồm cả APR) trước khi quý vị có nghĩa vụ pháp lý đối với khoản vay. Vì tất cả người cho vay đều phải cung cấp APR, nên quý vị có thể sử dụng APR để so sánh các khoản vay mua xe. Chỉ cần đảm bảo rằng quý vị đang so sánh APR với APR, chứ không phải với lãi suất.



    Người được ủy quyền (Assignee)

    Người được ủy quyền là người hoặc công ty mua khoản vay mua xe của quý vị. Ví dụ: Một đại lý ô tô cấp tín dụng cho quý vị có thể bán khoản vay của quý vị cho ngân hàng, khiến ngân hàng trở thành người được ủy quyền. Quý vị nợ tiền của bất cứ ai đã mua khoản vay của quý vị. Người được ủy quyền có quyền cầm giữ xe và có thể thu hồi nếu quý vị không trả tiền.


    Giá cơ bản (Base price)

    Giá cơ bản là giá của xe không có tùy chọn.  

    Đọc thêm (bằng tiếng Anh)


    Tỷ giá mua (Buy rate)

    Tỷ giá mua là lãi suất mà người cho vay tiềm năng báo giá cho đại lý của quý vị khi quý vị đăng ký  tài trợ vốn thông qua đại lý.

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    Người đồng ký (Co-signer)

    Người đồng ký là người - chẳng hạn như cha mẹ, thành viên thân thiết trong gia đình hoặc bạn bè - cam kết trả lại khoản vay nếu quý vị không trả. Đây có thể là lợi ích cho cả quý vị lẫn người cho vay. Người đồng ký chịu hoàn toàn trách nhiệm trả lại khoản nợ. Nếu có người đồng ký khi quý vị vay tiền, người cho vay được đảm bảo thêm rằng khoản vay sẽ được trả lại. Nếu quý vị không trả nợ, người đồng ký sẽ phải chịu trách nhiệm trả nợ ngay cả khi người đó chưa bao giờ dùng xe của quý vị. Nếu quý vị được hỏi đồng ký một khoản vay, quý vị nên xem xét việc này sẽ ảnh hưởng ra sao đến tài chính của mình.



    Bảo hiểm tín dụng (Credit insurance)

    Bảo hiểm tín dụng là loại bảo hiểm không bắt buộc, có thể chi trả khoản vay mua xe cho người cho vay trong một số trường hợp nhất định, chẳng hạn như khi quý vị qua đời hoặc bị tàn tật. Nếu quý vị đang cân nhắc dùng bảo hiểm tín dụng, hãy chắc chắn rằng quý vị hiểu các điều khoản của chính sách được cung cấp. Nếu quyết định rằng mình cần bảo hiểm, quý vị có thể có những cách rẻ hơn để được bảo hiểm, thay vì mua và thêm bảo hiểm tín dụng vào khoản vay mua xe. Ví dụ: Bảo hiểm nhân thọ có thể rẻ hơn bảo hiểm nhân thọ tín dụng và tạo điều kiện cho gia đình quý vị thanh toán các chi phí khác ngoài khoản vay mua xe.



    Các sản phẩm miễn trừ hoặc đình chỉ trả nợ (Debt cancellation or suspension products)

    Một số đại lý ô tô cũng như ngân hàng và công đoàn tín dụng cung cấp sản phẩm hoặc bảo hiểm “miễn trừ nợ” và “đình chỉ trả nợ” dưới nhiều tên gọi khác nhau. Các sản phẩm này tương tự như bảo hiểm tín dụng về mặt chức năng, nhưng phí và các tính năng khác có thể khác.

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    Số dư thiếu hụt (Deficiency balance)

    Nếu xe của mình bị thu hồi và bán, quý vị có thể phải chịu trách nhiệm thanh toán khoản chênh lệch giữa số tiền còn lại trong khoản vay của mình (cộng với phí thu hồi) và giá bán. Khoản này gọi là “số dư thiếu hụt”.


    Tiền đặt c¬ọc (Down payment)

    Tiền đặt cọc là khoản thanh toán ban đầu, trả trước mà quý vị thực hiện trên tổng chi phí của xe. Tiền đặt cọc có thể là tiền mặt, giá trị của một giao dịch thu lại xe cũ hoặc cả hai. Quý vị đặt cọc càng nhiều, số tiền cần vay càng ít. Tiền đặt cọc nhiều hơn cũng có thể làm giảm khoản thanh toán hàng tháng của quý vị và tổng phí tài trợ vốn vay mượn.


    Bảo hành mở rộng hoặc hợp đồng dịch vụ xe (Extended warranty or vehicle service contract)

    Bảo hành mở rộng hoặc hợp đồng dịch vụ xe thanh toán các chi phí của một số loại sửa chữa ngoài hoặc sau khi kết thúc thời hạn bảo hành của nhà sản xuất.

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    Bộ phận tài chính và bảo hiểm (Finance and insurance department)

    Nếu quý vị mua xe tại đại lý, nhân viên bán hàng có thể giới thiệu quý vị với ai đó bên bộ phận tài chính và bảo hiểm (F&I) hoặc văn phòng kinh doanh. Đây là một phần của đại lý tiếp thị các khoản vay và các tiện ích bổ sung tùy chọn cho khách hàng sau khi họ đồng ý mua xe tại đại lý.

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    Khoản vay với lãi suất cố định (Fixed-rate financing)

    Khoản vay với lãi suất cố định có nghĩa là lãi suất cho khoản vay của quý vị không thay đổi trong suốt thời hạn vay. Với lãi suất cố định, quý vị có thể biết khoản thanh toán của mình cho mỗi tháng và tổng số tiền quý vị sẽ trả trong suốt thời hạn vay. Quý vị có thể muốn được cho vay với lãi suất cố định nếu đang tìm kiếm khoản trả góp tiền vay không thay đổi. Khoản vay với lãi suất cố định là một loại tài trợ vốn. Một loại khác là khoản vay với lãi suất thay đổi.


    Bảo hiểm bắt buộc (Force-placed insurance)

    Để vay được tiền mua xe, quý vị phải có bảo hiểm cho chính chiếc xe đó. Nếu quý vị không mua bảo hiểm hoặc để bảo hiểm mất hiệu lực, hợp đồng thường trao cho người cho vay quyền mua bảo hiểm cho chiếc xe đó. Bảo hiểm này gọi là “bảo hiểm bắt buộc”.

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    Bảo Hiểm Để Bảo Vệ Tài Sản (Guaranteed Auto Protection (GAP) insurance)

    Bảo hiểm GAP chi trả khoản chênh lệch giữa số tiền quý vị vay mua xe và số tiền bảo hiểm của quý vị trả nếu xe của quý vị bị mất cắp, hư hỏng hoặc cả hai. Quý vị không cần mua bảo hiểm này. Nhưng nếu quyết định mình muốn mua, hãy tham khảo giá cả. Người cho vay có thể đặt các mức giá khác nhau cho sản phẩm này.


    Lãi suất (Interest rate)

    Lãi suất của khoản vay mua xe là chi phí quý vị phải trả mỗi năm khi vay, biểu thị bằng phần trăm. Lãi suất không bao gồm phí tính cho khoản vay.

    APR và lãi suất của khoản vay mua xe là hai trong số các thước đo quan trọng nhất về chi phí mà quý vị phải trả khi vay tiền. Luật Cho Vay Trung Thực (TILA) của liên bang yêu cầu người cho vay tiết lộ cụ thể cho quý vị về các điều khoản quan trọng (bao gồm cả APR) trước khi quý vị có nghĩa vụ pháp lý đối với khoản vay. Vì tất cả người cho vay đều phải cung cấp APR, nên quý vị có thể sử dụng APR để so sánh các khoản vay mua xe. Chỉ cần đảm bảo rằng quý vị đang so sánh APR với APR, chứ không phải với lãi suất.


    Kỳ hạn hoặc khoảng thời gian cho vay (Loan term or duration)

    Đây là thời hạn của khoản vay mua xe, thường được biểu thị theo tháng. Kỳ hạn vay ngắn hơn (khi đó quý vị thanh toán hàng tháng trong thời gian ngắn hơn) sẽ giảm tổng chi phí cho khoản vay. Khoản vay dài hơn sẽ giảm bớt khoản thanh toán hàng tháng, nhưng quý vị phải trả lãi nhiều hơn trong suốt thời hạn vay. Khoản vay dài hơn cũng khiến quý vị có nguy cơ bị âm vốn chủ sở hữu - đó là khi số tiền quý vị nợ cho xe nhiều hơn so với giá trị của xe đó.


    Tỉ số vay trên giá trị (Loan-to-value ratio)

    Tỉ số vay trên giá trị (LTV) là tổng giá trị đồng đô la của khoản vay chia cho giá trị tiền mặt (ACV) của xe. Tỉ số này thường thể hiện dưới dạng phần trăm. Tiền đặt cọc làm giảm tỉ số vay trên giá trị của khoản vay.

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    Hòa giải ràng buộc bắt buộc (Mandatory binding arbitration)

    Khi ký vào thoả thuận về điều khoản hòa giải ràng buộc bắt buộc, quý vị đồng ý giải quyết mọi tranh chấp về hợp đồng trước người hòa giải có thẩm quyền quyết định kết quả tranh chấp thay vì tòa án. Quý vị cũng có thể đồng ý từ bỏ các quyền khác, chẳng hạn như khả năng kháng cáo quyết định hoặc tham gia vụ kiện tập thể.

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    Ưu đãi của nhà sản xuất (Manufacturer incentives)

    Ưu đãi của nhà sản xuất là các ưu đãi đặc biệt, chẳng hạn như khoản vay 0% hoặc ưu đãi hoàn tiền mà quý vị có thể đã thấy được quảng cáo cho xe mới. Thông thường, ưu đãi chỉ được cung cấp cho một số mẫu xe nhất định.


    Giá Bán Lẻ Do Nhà Sản Xuất Đề Xuất (Manufacturer Suggested Retail Price - MSRP)

    Giá Bán Lẻ Do Nhà Sản Xuất Đề Xuất (MSRP) là giá mà nhà sản xuất xe đề xuất cho đại lý bán xe.


    Vốn chủ sở hữu âm (Negative equity)

    Nếu số tiền vay nợ mua xe hiện tại nhiều hơn so với giá trị của chiếc xe đó – được gọi là “đảo ngược” - thì quý vị bị âm vốn chủ sở hữu. Nói cách khác, nếu cố bán xe, quý vị sẽ không thể lấy lại được những gì mình đã nợ khi mua xe đó. Ví dụ: giả sử tiền vay nợ mua xe là $10.000 và xe đó hiện trị giá $8.000. Nghĩa là quý vị có vốn chủ sở hữu âm là $2.000. Quý vị sẽ cần thanh toán vốn chủ sở hữu âm đó nếu quý vị muốn đổi xe và vay tiền để mua xe mới.


    Khoản vay mua xe không xét điểm tín dụng hoặc “mua tại đây, thanh toán tại đây” (No credit check or "buy here, pay here" auto loan)

    Các đại lý cung cấp khoản vay mua xe “không xét điểm tín dụng” hoặc “mua tại đây, thanh toán tại đây” thường tài trợ vốn vay nợ mua xe “tại chỗ” cho người vay không có tín dụng hoặc có điểm tín dụng thấp.  

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    Vốn gốc (Principal)

    Vốn gốc là số tiền ban đầu quý vị đồng ý trả lại.

    Nói chung, bất kỳ khoản thanh toán nào cho khoản vay mua xe sẽ trả trước tiên cho mọi khoản phí đến hạn (ví dụ: phí trễ hạn). Tiếp theo, số tiền còn lại từ khoản thanh toán sẽ được trả cho mọi khoản tiền lãi đến hạn, bao gồm tiền lãi quá hạn (nếu có). Sau đó, phần còn lại của khoản thanh toán sẽ được trả cho dư nợ gốc của khoản vay.


    Định giá dựa trên rủi ro (Risk-based pricing)

    Định giá dựa trên rủi ro diễn ra khi người cho vay cung cấp cho những người tiêu dùng khác nhau mức lãi suất khác nhau hoặc điều khoản cho vay khác nhau, dựa trên rủi ro ước tính rằng người tiêu dùng sẽ không trả được khoản vay.

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    Tổng chi phí (Total cost)

    Đây là số tiền quý vị sẽ trả để mua xe (bao gồm vốn gốc, tiền lãi và bất kỳ số tiền đặt cọc hoặc giá trị thu lại xe cũ nào) trong suốt thời hạn vay.


    Luật Cho Vay Trung Thực (Truth in Lending disclosure)

    Luật Cho Vay Trung Thực của liên bang - hay gọi tắt là “TILA” - yêu cầu người vay phải nhận được thông báo bằng văn bản công khai các điều khoản tín dụng quan trọng trước khi họ bị ràng buộc về mặt pháp lý để trả khoản vay. Tìm hiểu thêm về thông tin có trong thông báo về TILA, cũng như thời điểm quý vị sẽ nhận được và xem xét thông tin đó.


    Khoản vay với lãi suất thay đổi (Variable-rate financing)

    Khoản vay với lãi suất thay đổi là khi lãi suất cho khoản vay có thể thay đổi, dựa trên lãi suất cơ bản hoặc lãi suất khác gọi là “chỉ số”. Trong khoản vay với lãi suất thay đổi, lãi suất của khoản vay thay đổi khi lãi suất theo chỉ số thay đổi, nghĩa là lãi suất có thể tăng hoặc giảm. Vì lãi suất có thể tăng lên, khoản thanh toán hàng tháng cũng có thể tăng theo. Thời hạn vay càng dài, khoản vay có lãi suất thay đổi càng rủi ro đối với người vay, vì lãi suất có thêm thời gian để tăng. Khoản vay với lãi suất thay đổi là một loại tài trợ vốn. Một loại khác là khoản vay với lãi suất cố định.


    Bảo Hiểm Lãi Suất Duy Nhất Của Nhà Cung Cấp (Vendor's Single Interest (VSI) insurance)

    Bảo hiểm VSI bảo vệ người cho vay, chứ không phải quý vị, trong trường hợp xe bị hư hỏng hoặc phá hủy.  

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    Bank accounts key terms (in Vietnamese)
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    Thuật ngữ chính về tài khoản ngân hàng

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    Hệ Thống Bù Trừ Tự Động (Automated Clearing House - ACH)

    Ủy quyền Hệ Thống Bù Trừ Tự Động (ACH) là sự ủy quyền trả tiền, cho phép người cho vay lấy tiền qua đường điện tử từ ngân hàng, công đoàn tín dụng hoặc tài khoản thẻ trả trước của quý vị khi khoản tiền của quý vị đến hạn. Quý vị có thể thu hồi quyết định ủy quyền này.

    Khoản trích nợ tự động (Automatic debit payment)

    Với khoản trích nợ tự động, quý vị cho phép công ty nhận các khoản tiền ngay từ tài khoản ngân hàng của quý vị. Cách này khác với tính năng trả hóa đơn định kỳ do ngân hàng của quý vị cung cấp. Khi trả hóa đơn định kỳ, quý vị cho phép ngân hàng hoặc công đoàn tín dụng của mình trả cho công ty.

    Tiền gửi tiết kiệm có kỳ hạn (Certificate of deposit - CD)

    Tiền gửi tiết kiệm có kỳ hạn (hay CD) là loại tài khoản tiết kiệm đặc biệt do ngân hàng hoặc công đoàn tín dụng cung cấp. Quý vị thường phải giữ tiền của mình trong CD trong khoảng thời gian nhất định để tránh bị phạt.

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    Đáo hạn tiền gửi tiết kiệm có kỳ hạn (Certificate of deposit (CD) rollover)

    Đáo hạn hoặc gia hạn có thể diễn ra vào cuối thời hạn của CD.

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    Hối phiếu đòi nợ (Demand draft)

    Hối phiếu đòi nợ cho phép ai đó rút tiền từ tài khoản ngân phiếu của quý vị mà không cần chữ ký của quý vị.  

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    Thời gian giữ tiền gửi (Deposit hold)

    Khoảng thời gian ngân hàng hoặc công đoàn tín dụng giữ số tiền quý vị gửi bằng ngân phiếu đôi khi được gọi là “thời gian giữ tiền gửi” hoặc “thời gian giữ ngân phiếu”. Một số ngân hàng hoặc công đoàn tín dụng có thể gửi tiền nhanh hơn so với yêu cầu của pháp luật và một số có thể đẩy nhanh khả năng gửi tiền với một khoản phí.

    Người nhận uỷ thác (Fiduciary)

    Người nhận uỷ thác là người quản lý tiền hoặc tài sản cho người khác. Khi quý vị được chỉ định là người nhận ủy thác, luật pháp yêu cầu quý vị phải quản lý tiền và tài sản của người đó vì lợi ích của họ chứ không phải của quý vị.


    Người bảo vệ tài sản (Guardian of property)

    Người bảo vệ tài sản là người được tòa chỉ định quản lý tiền và tài sản của người mà tòa thấy nhận rằng họ không thể tự mình quản lý tiền cũng như tài sản của mình.

    Đọc thêm (bằng tiếng Anh)


    Mã số thuế cá nhân (Individual taxpayer identification number - ITIN)

    ITIN là mã số nhận dạng mà quý vị nhận được từ Sở Thuế Vụ (Internal Revenue Service). ITIN chỉ có sẵn cho một số ngoại nhân không cư trú và thường trú, vợ/chồng của họ và những người phụ thuộc không nhận được Số An Sinh Xã Hội.

    Tài khoản đồng sở hữu (Joint account)

    Nếu muốn cho phép bạn bè hoặc người thân viết ngân phiếu và gửi tiền thay cho quý vị, quý vị có thể cân nhắc mở tài khoản đồng sở hữu. Nói chung, tất cả những người có tên trong tài khoản đồng sở hữu đều có thể viết ngân phiếu, rút tiền, thực hiện giao dịch, chuyển tiền hoặc đóng tài khoản. Nếu một trong những chủ tài khoản nợ tiền, người cho vay có thể thu tiền trong tài khoản ngân hàng đồng sở hữu.

    Tài khoản thị trường tiền tệ (Money market account)

    Tài khoản thị trường tiền tệ là một loại tài khoản đặc biệt, do các ngân hàng và công đoàn tín dụng cung cấp.

    Đọc thêm (bằng tiếng Anh)

    Phí không đủ tiền (Non-sufficient funds (NSF) fees)

    NSF hoặc phí không đủ tiền có thể phát sinh khi ngân phiếu hoặc phương thức ủy quyền điện tử không trả được do thiếu tiền trong tài khoản.Đây thường gọi là ngân phiếu “bị trả lại” hoặc “không có tiền”. 

    Thấu chi (Overdraft)

    Thấu chi xảy ra khi quý vị không có đủ tiền trong tài khoản để chi trả cho một giao dịch, nhưng ngân hàng vẫn trả giao dịch đó. Quý vị có thể rút tiền vượt quá số dư từ tài khoản của mình thông qua ngân phiếu, giao dịch bằng ATM, giao dịch bằng thẻ ghi nợ, phương thức trả hóa đơn tự động và phương thức rút tiền trực tiếp hoặc bằng máy điện tử.

    Nhiều ngân hàng và công đoàn tín dụng cung cấp chương trình bảo vệ thấu chi, trong đó ngân hàng hoặc công đoàn tín dụng thường trả giao dịch và tính phí (ngoài việc yêu cầu hoàn trả số tiền thấu chi). Quý vị cũng có thể chi trả khoản thấu chi bằng cách chuyển tiền từ tài khoản liên kết, thẻ tín dụng hoặc hạn mức tín dụng.


    Hạn mức tín dụng cá nhân (Personal line of credit)

    Hạn mức tín dụng cá nhân là khoản vay mà quý vị có thể sử dụng đôi lần. Quý vị viết ngân phiếu đặc biệt hoặc yêu cầu chuyển khoản vào tài khoản ngân phiếu của mình qua điện thoại hoặc trực tuyến.

    Giống như tài khoản thẻ tín dụng, quý vị có giới hạn tín dụng, nhận hóa đơn hàng tháng, thực hiện ít nhất một khoản tiền trả tối thiểu, trả lãi dựa trên số dư nợ chưa trả và có thể trả phí mỗi khi quý vị sử dụng tài khoản.

    Hạn mức tín dụng cá nhân không được bảo đảm, không giống như Hạn Mức Tín Dụng Cho Vốn Chủ Sở Hữu (HELOC) được đảm bảo bằng khoản vay thế chấp nhà. Hạn mức tín dụng cá nhân do ngân hàng và công đoàn tín dụng cung cấp, đồng thời thường yêu cầu quý vị phải có cả tài khoản ngân phiếu với cùng một tổ chức.


    Quyền luật sư (Power of attorney)

    Quyền luật sư (POA) là tài liệu pháp lý cho phép người khác hành động thay mặt quý vị. Uỷ quyền POA là cách chỉ định một người quyết định thay và khá ít tốn kém, dù có thể cần đến luật sư giúp đỡ.

    POA tài chính có thể sử dụng làm công cụ lập kế hoạch cho tình trạng mất năng lực trong tương lai – không có khả năng đưa ra các quyết định tài chính do, chẳng hạn như chứng mất trí nhớ, chấn thương sọ não hoặc một số tình trạng suy yếu khác ảnh hưởng đến chức năng tinh thần. Khi dùng để lập kế hoạch trước, POA thường “có hiệu lực lâu dài”. Nghĩa là quyền này tiếp tục có hiệu lực ngay cả khi người uỷ quyền bị mất khả năng. Hãy đọc tiếp để tìm hiểu thêm về quyền luật sư (POA). 

    Người trả tiền đại diện (Representative payee)

    Cơ Quan Quản Lý An Sinh Xã Hội (SSA) chỉ định một cá nhân làm người trả tiền đại diện cho một người cần trợ giúp quản lý các khoản thanh toán quyền lợi An Sinh Xã Hội hoặc Thu Nhập Bảo Đảm Được Trợ Cấp (SSI) của họ. Người trả tiền đại diện chỉ có thể quản lý ngân phiếu quyền lợi do SSA trả. Nếu người hưởng quyền lợi có tiền hoặc tài sản khác mà họ không thể quản lý, thì người trả tiền đại diện phải có thẩm quyền hợp pháp từ một nguồn khác để quản lý các khoản tiền khác. Người trả tiền đại diện cũng có thể được tòa án chỉ định là người bảo vệ tài sản. Với tư cách là người trả tiền đại diện cho An Sinh Xã Hội, quý vị là người nhận ủy thác.

    Để biết thêm thông tin về người trả tiền đại diện, hãy đọc hướng dẫn này về cách quản lý tiền của người khác.

    Uỷ thác di chúc có thể hủy bỏ (Revocable living trust)

    Uỷ thác di chúc có thể hủy bỏ là tài liệu pháp lý cho phép quý vị đưa ra quyết định về tiền hoặc tài sản đang được ủy thác của người khác.

    Đọc thêm (bằng tiếng Anh)

    Người trả tiền đại diện An Sinh Xã Hội (Social Security representative payee)

    Người trả tiền đại diện do Cơ Quan Quản Lý An Sinh Xã Hội chỉ định cho một người khác cần trợ giúp quản lý khoản tiền trả quyền lợi An Sinh Xã Hội hoặc Thu Nhập Bảo Đảm Được Trợ Cấp của họ.

    Đọc thêm (bằng tiếng Anh)

    Người được ủy thác do Bộ Cựu Chiến Binh (VA fiduciary)

    Người nhận uỷ thác là người quản lý tiền hoặc tài sản cho người khác. Bộ Cựu Chiến Binh (VA) chỉ định người được ủy thác do bộ cựu chiến binh quản lý các quyền lợi của cựu chiến binh cho người không thể tự quản lý tiền.

    Đọc thêm (bằng tiếng Anh)

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    Mức lãi suất theo phần trăm mỗi năm (Annual percentage rate - APR)

    APR hoặc mức lãi suất theo phần trăm mỗi năm là cách tiêu chuẩn để so sánh chi phí của khoản vay. Dữ liệu này tạo điều kiện cho quý vị so sánh chi phí của các sản phẩm cho vay trên cơ sở “ngang bằng”. Công ty phát hành thẻ tín dụng phải tiết lộ APR trước khi quý vị đồng ý sử dụng thẻ.

    Để tính APR, lãi suất và phí được so sánh với số tiền quý vị vay, cũng như được tính trong khoảng thời gian 1 năm. Qua đó, quý vị có thể so sánh chi phí của thẻ tín dụng với khoản vay trả góp trong 6 tháng. Đây cũng là lý do APR thường khác với lãi suất đơn thuần.

    Chuyển nhượng số dư (Balance transfer)

    Chuyển nhượng số dư tạo điều kiện cho quý vị chuyển số dư nợ chưa trả từ thẻ tín dụng này sang thẻ tín dụng khác, đôi khi có mất phí. Phí thường là tỷ lệ phần trăm nhất định của số tiền quý vị chuyển hoặc số tiền cố định, tùy theo số tiền nào nhiều hơn. Nhiều công ty thẻ tín dụng cung cấp dịch vụ chuyển nhượng số dư 0% hoặc lãi suất thấp để mời quý vị hợp nhất khoản nợ của mình trên một thẻ tín dụng. Lãi suất khuyến mại của hầu hết các lần chuyển nhượng số dư kéo dài trong khoảng thời gian giới hạn. Sau đó, lãi suất trên thẻ tín dụng mới của quý vị có thể tăng lên, làm tăng số tiền trả của quý vị.

    Nếu quý vị trả trễ hơn 60 ngày, công ty phát hành thẻ tín dụng có thể tăng lãi suất của quý vị cho tất cả số dư nợ, kể cả số dư đã chuyển.

    Số dư tín dụng (Credit balance)

    Số dư tín dụng trên bảng sao kê chi trả là số tiền mà công ty phát hành thẻ nợ quý vị.

    Tín dụng được thêm vào tài khoản của quý vị mỗi khi quý vị trả. Tín dụng cũng có thể được thêm vào khi quý vị trả lại thứ gì đó mình đã mua bằng thẻ tín dụng, vì phần thưởng quý vị đã kiếm được hoặc do nhầm lẫn trong hóa đơn trước đó. Nếu tổng số tín dụng vượt quá số tiền quý vị nợ, bảng sao kê của quý vị sẽ hiển thị số dư tín dụng.

    Đọc thêm (bằng tiếng Anh)


    Lãi suất định kỳ hàng ngày (Daily periodic rate)

    Một số công ty phát hành thẻ tính lãi trên tài khoản bằng cách sử dụng lãi suất định kỳ hàng ngày nhằm tính lãi bằng cách nhân lãi suất với số tiền nợ vào cuối ngày. Số tiền lãi này sau đó được cộng vào số dư của ngày hôm trước, có nghĩa là tiền lãi được gộp hàng ngày.

    Thời gian ân hạn (Grace period)

    Thời gian ân hạn là khoảng thời gian từ khi kết thúc chu kỳ chi trả đến ngày đến hạn trả. Trong thời gian này, quý vị có thể không bị tính lãi, miễn là quý vị trả đầy đủ số dư của mình trước ngày đáo hạn. Các công ty thẻ tín dụng không bắt buộc phải đưa ra thời gian ân hạn. Tuy nhiên, hầu hết các thẻ tín dụng đều cung cấp thời gian ân hạn khi quý vị mua hàng.  

    Đọc thêm (bằng tiếng Anh)

    Lãi suất (Interest rate)

    Lãi suất của thẻ tín dụng là mức giá quý vị phải trả khi vay tiền. Đối với thẻ tín dụng, lãi suất thường được ghi là lãi suất hàng năm và đây gọi là mức lãi suất theo phần trăm mỗi năm (APR). Trên hầu hết các thẻ, quý vị có thể tránh phải trả lãi khi mua hàng nếu trả đầy đủ số dư nợ mỗi tháng trước ngày đáo hạn.

    Ưu đãi thẻ tín dụng sàng lọc trước (Prescreened credit card offer)

    Ưu đãi thẻ tín dụng sàng lọc trước là khi các công ty phát hành thẻ tín dụng sử dụng thông tin từ công ty báo cáo tín dụng để cung cấp tín dụng chắc chắn cho quý vị nếu lịch sử dùng tín dụng của quý vị đáp ứng tiêu chí do công ty thẻ đó lựa chọn.

    Đọc thêm (bằng tiếng Anh)


    Sử dụng trái phép (Unauthorized use)

    Nói chung, hành vi sử dụng trái phép là khi một người không có quyền dùng thẻ tín dụng sử dụng thẻ đó. Ví dụ: nếu quý vị làm mất thẻ của mình, rồi ai đó tìm thấy và sử dụng thẻ đó, đây sẽ là hành vi sử dụng trái phép.  

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    Kiểm tra tín dụng (Credit inquiry)

    Cuộc kiểm tra đề cập đến yêu cầu xem xét hồ sơ tín dụng và thường thuộc 1 trong 2 loại.

    Đọc thêm (bằng tiếng Anh)

    Người có tín dụng vô hình (Credit invisible)

    Vào năm 2015, chúng tôi đã đăng báo cáo cho biết 26 triệu người Mỹ là “có tín dụng vô hình”. Con số này chỉ ra rằng cứ 10 người lớn thì có 1 người không có bất kỳ lịch sử dùng tín dụng nào với 1 trong 3 công ty báo cáo tín dụng trên toàn quốc. Thêm 19 triệu người tiêu dùng có hồ sơ tín dụng “không thể tính điểm”. Nghĩa là hồ sơ của họ ngắn và có lịch sử dùng tín dụng không đầy đủ (9,9 triệu người) hoặc hồ sơ cũ và thiếu lịch sử dùng tín dụng gần đây (9,6 triệu người). Tóm lại, có 45 triệu người tiêu dùng có thể không sử dụng được tín dụng vì không có hồ sơ tín dụng tính điểm được. Người có tín dụng vô hình hoặc không thể tính điểm thường không tiếp cận được với tín dụng chất lượng và có thể phải đối mặt với một loạt vấn đề, từ việc cố gắng có được tín dụng cho đến việc thuê căn hộ.

    Dịch vụ giám sát tín dụng (Credit monitoring service)

    Dịch vụ giám sát tín dụng là dịch vụ thương mại tính phí để xem các bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, rồi thông báo cho quý vị về những thay đổi đối với những tài khoản liệt kê trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị.

    Đọc thêm (bằng tiếng Anh)


    Bản báo cáo điểm và lịch sử dùng tín dụng (Credit report)

    Bản báo cáo điểm và lịch sử dùng tín dụng là bản báo cáo chứa thông tin về hoạt động tín dụng của quý vị và tình hình tín dụng hiện tại, chẳng hạn như lịch sử trả khoản vay và tình trạng tài khoản tín dụng của quý vị.

    Công ty báo cáo tín dụng (Credit reporting company)

    Công ty báo cáo tín dụng (còn gọi là văn phòng tín dụng hoặc cơ quan báo cáo cho người tiêu dùng) là công ty tổng hợp và bán bản báo cáo điểm và lịch sử dùng tín dụng.

    Điểm tín dụng (Credit score)

    Điểm tín dụng dự đoán khả năng quý vị trả lại khoản vay đúng hạn. Các công ty sử dụng công thức toán học - gọi là mô hình tính điểm - để tạo điểm tín dụng của quý vị từ thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Quý vị cần biết rằng mình không chỉ có “một” điểm tín dụng mà còn có nhiều điểm tín dụng dành cho quý vị cũng như người cho vay. Mọi điểm tín dụng đều phụ thuộc vào dữ liệu được sử dụng để tính toán và có thể khác nhau tùy vào mô hình tính điểm, nguồn lịch sử tín dụng của quý vị, loại sản phẩm cho vay và thậm chí cả ngày tính điểm.

    Đạo Luật Báo Cáo Tín Dụng Trung Thực (Fair Credit Reporting Act)

    Đạo Luật Báo Cáo Tín Dụng Trung Thực (FCRA) của liên bang thúc đẩy tính chính xác, công bằng và quyền riêng tư về thông tin trong hồ sơ của các cơ quan báo cáo cho người tiêu dùng. Có nhiều loại cơ quan báo cáo cho người tiêu dùng, bao gồm văn phòng tín dụng và cơ quan chuyên môn (ví dụ: cơ quan bán thông tin về lịch sử viết ngân phiếu, hồ sơ y tế và hồ sơ lịch sử cho thuê). Tìm hiểu thêm về các quyền chính của quý vị theo FCRA .


    Điểm FICO (FICO score)

    Điểm FICO® là một loại điểm tín dụng cụ thể.  

    Đọc thêm (bằng tiếng Anh)


    Thông báo lừa đảo (Fraud alert)

    Thông báo lừa đảo yêu cầu người cho vay (khi kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị) thực hiện các bước xác minh danh tính của quý vị trước khi mở tài khoản mới, phát hành thẻ bổ sung hoặc tăng hạn mức tín dụng trên tài khoản hiện có dựa trên yêu cầu của người tiêu dùng. Khi quý vị đặt thông báo lừa đảo trong bản báo cáo điểm và lịch sử dùng tín dụng của mình tại một trong những công ty báo cáo tín dụng trên toàn quốc, công ty đó phải thông báo cho những người khác. Có 2 loại thông báo lừa đảo chính: thông báo lừa đảo ban đầu và thông báo mở rộng.


    Giám sát danh tính hoặc chống đánh cắp thông tin định danh (Identity monitoring or identity theft protection)

    Dịch vụ chống đánh cắp thông tin định danh giám sát thông tin nhận dạng cá nhân trong bản đăng ký dùng tín dụng, hồ sơ công khai, trang web và những nơi khác để phát hiện bất kỳ hoạt động bất thường nào có thể là dấu hiệu của hành vi đánh cắp thông tin định danh.

    Đọc thêm (bằng tiếng Anh)


    Hành vi đánh cắp thông tin định danh (Identity theft)

    Hành vi đánh cắp thông tin định danh xảy ra khi ai đó đánh cắp thông tin định danh của quý vị để thực hiện hành vi lừa đảo. Đánh cắp thông tin định danh của quý vị có thể có nghĩa là sử dụng trái phép thông tin cá nhân của quý vị, chẳng hạn như:

    • Tên quý vị
    • Số An Sinh Xã Hội
    • Số thẻ tín dụng


    Thông báo đang phục vụ quân đội (Military active duty alert)

    Thành viên quân đội (ví dụ: thành viên của Thủy Quân Lục Chiến, Quân Đội, Hải Quân, Không Quân và Lính Tuần Duyên) có thể yêu cầu thông báo đang phục vụ quân đội. Khi quý vị đặt thông báo đang phục vụ quân đội trên bản báo cáo điểm và lịch sử dùng tín dụng của mình, người cho vay phải thực hiện các bước hợp lý để đảm bảo rằng người đưa ra yêu cầu thực sự là quý vị trước khi mở tài khoản, phát hành thẻ tín dụng bổ sung cho tài khoản hiện có hoặc tăng hạn mức tín dụng cho tài khoản hiện có. Thông báo đang phục vụ quân đội kéo dài trong 12 tháng. Tên của quý vị cũng sẽ bị xóa khỏi danh sách tiếp thị sàng lọc trước của các công ty báo cáo tín dụng trên toàn quốc đối với ưu đãi tín dụng và bảo hiểm trong 2 năm.


    Khoản nợ đã trả (Paid collection)

    Khoản nợ đã trả là tài khoản được đưa vào khoản thu nợ vì quá hạn và sau đó đã đượctrả.

    Đọc thêm (bằng tiếng Anh)


    Bảo mật đóng băng (Security freeze)

    Tình trạng “bảo mật đóng băng” trên bản báo cáo điểm và lịch sử dùng tín dụng của quý vị ngăn người cho vay mới tiếp cận hồ sơ tín dụng của quý vị và những người khác mở tài khoản dưới tên quý vị cho đến khi quý vị gỡ bỏ tình trạng đóng băng. Vì hầu hết các doanh nghiệp sẽ không mở tài khoản tín dụng nếu chưa kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, tình trạng đóng băng có thể ngăn những kẻ đánh cắp thông tin định danh mở tài khoản mới dưới tên của quý vị.


    Công ty báo cáo cho người tiêu dùng chuyên biệt (Specialty consumer reporting company)

    Công ty báo cáo cho người tiêu dùng chuyên biệt thu thập và chia sẻ thông tin về lịch sử việc làm, lịch sử giao dịch của quý vị với một doanh nghiệp hoặc lịch sử trả nợ cho sản phẩm hoặc dịch vụ cụ thể.


    Báo cáo sàng lọc người thuê nhà (Tenant screening report)

    Chủ đất sử dụng loại báo cáo này để giúp đưa ra quyết định về người thuê nhà tiềm năng. Báo cáo sàng lọc người thuê nhà có thể chứa thông tin từ nhiều nguồn, bao gồm lịch sử tiền thuê của quý vị cũng như bản báo cáo điểm và lịch sử dùng tín dụng.

    Đọc thêm (bằng tiếng Anh)


    Hồ sơ tín dụng ngắn / Không có hồ sơ tín dụng (Thin credit file / No credit file)

    Hồ sơ tín dụng ngắn hoặc không có hồ sơ tín dụng có nghĩa là một người không có lịch sử tín dụng hoặc không đủ lịch sử tín dụng hiện tại để tạo ra điểm tín dụng. Xem: Người có tín dụng vô hình

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    Debt collection key terms (in Vietnamese)
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    Thuật ngữ chính về thu nợ

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    Cố vấn viên tín dụng (Credit counselor)

    Cố vấn viên tín dụng có thể hỗ trợ những nội dung sau:

    • Tư vấn cho quý vị cách quản lý tiền và nợ
    • Trợ giúp quý vị lập ngân sách
    • Thường cung cấp tài liệu hướng dẫn và buổi hội thảo miễn phí
    • Thông thường, cố vấn viên tín dụng được chứng nhận và đào tạo trong các lĩnh vực tín dụng tiêu dùng, quản lý tiền và nợ, cũng như lập ngân sách. Cố vấn viên thảo luận về toàn bộ tình hình tài chính của quý vị với quý vị và hỗ trợ quý vị phát triển kế hoạch cá nhân để giải quyết các vấn đề về tiền bạc của quý vị. 

    Quy Tắc Thu Nợ (Debt Collection Rule)

    CFPB đã ban hành “quy tắc” có hiệu lực vào ngày 30 tháng 11 năm 2021 để làm rõ và diễn giải Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA) của liên bang.

    Đọc thêm (bằng tiếng Anh)

    Người thu nợ (Debt collector)

    Theo Đạo Luật Thực Hành Đòi Nợ Công Bằng của liên bang, người thu nợ nói chung là cá nhân hoặc công ty thường xuyên thu các khoản nợ của người khác, thường là khi khoản nợ đó đã quá hạn.

    Người thu nợ bao gồm cơ quan thu nợ hoặc luật sư thu nợ trong công việc kinh doanh của họ. Cũng có những công ty mua các khoản nợ quá hạn từ người cho vay hoặc doanh nghiệp khác và sau đó cố thu khoản nợ đó. Những người thu nợ này còn gọi là cơ quan thu nợ, công ty thu nợ hoặc bên mua nợ.


    Dịch vụ xử lý nợ (miễn trừ nợ) (Debt settlement (relief) services)

    Công ty xử lý nợ là công ty cho biết họ có thể đàm phán lại, dàn xếp hoặc theo một cách nào đó thay đổi các điều khoản về khoản nợ của một người với người cho vay hoặc người thu nợ. Quý vị có thể gặp rủi ro khi đối phó với các công ty xử lý nợ.

    Đọc bằng Tiếng Anh

    Đạo Luật Thực Hành Đòi Nợ Công Bằng (Fair Debt Collection Practices Act - FDCPA)

    Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA) là luật liên bang chính điều chỉnh các hoạt động thu nợ. FDCPA nghiêm cấm các công ty thu nợ sử dụng các cách làm lạm dụng, không công bằng hoặc lừa đảo để thu nợ từ quý vị. Đọc bằng Tiếng Anh thông tin về các quyền của quý vị theo FDCPA.

    Sai áp (Garnishment)

    Hành động sai áp tiền lương hoặc tài khoản ngân hàng xảy ra khi người cho vay lấy một phần tiền lương hoặc tiền từ tài khoản ngân hàng của quý vị để thu số tiền quý vị nợ. Hành động sai áp thường cần lệnh của tòa án xuất phát từ một phán quyết. Tuy nhiên, một số khoản nợ của chính phủ cũng có thể dẫn đến việc sai áp, ngay cả khi không có phán quyết.

    Luật tiểu bang và liên bang có các giới hạn hoặc “miễn trừ” áp dụng khi sai áp tài khoản ngân hàng và tiền lương, thường là để đảm bảo quý vị còn tiền để sống. Việc người thu nợ đe dọa sẽ sai áp tiền lương của quý vị nếu tiền lương của quý vị không thể sai áp một cách hợp pháp cũng là hành vi vi phạm Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA).

    Bị người thu nợ quấy rối (Harassment by a debt collector)

    Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA) cho biết người thu nợ không được quấy rối, áp bức hoặc lạm dụng quý vị hoặc bất kỳ ai khác mà họ liên lạc.

    Hành vi quấy rối của người thu nợ quấy rối có thể diễn ra dưới nhiều hình thức khác nhau. Ví dụ bao gồm các cuộc gọi điện thoại lặp đi lặp lại nhằm làm phiền, lạm dụng hoặc quấy rối quý vị hoặc bất kỳ người nào trả lời điện thoại; ngôn từ tục tĩu; đe dọa bạo lực hoặc gây tổn hại; công bố danh sách những người từ chối trả nợ (trong đó không bao gồm việc báo cáo thông tin cho công ty báo cáo tín dụng); và gọi cho quý vị mà không cho quý vị biết họ là ai.


    Phán quyết (Judgment)

    Phán quyết là kết quả chính thức của một vụ kiện tại tòa án. Trong vụ kiện thu nợ, thẩm phán có thể đưa ra phán quyết đối với người cho vay hoặc người thu nợ quý vị. Nếu không phản hồi khiếu nại pháp lý, quý vị sẽ mất cơ hội tự bảo vệ mình và có thể thấy rằng phán quyết được đưa ra chống lại quý vị.

    Nếu ai đó kiện quý vị hoặc nếu ai đó đã nhận được phán quyết chống lại quý vị và quý vị không biết phải làm gì, hãy nói chuyện với luật sư. Một số luật sư có thể cung cấp dịch vụ miễn phí hoặc giảm phí dịch vụ. Cũng có thể có các văn phòng trợ giúp pháp lý hoặc phòng hỗ trợ pháp lý trong khu vực của quý vị cung cấp dịch vụ miễn phí nếu quý vị đáp ứng tiêu chí nhất định. Quân nhân nên tham khảo văn phòng JAG tại địa phương .


    Tin Nhắn Có Nội Dung Hạn Chế (Limited-Content Message)

    Theo Quy tắc Thu nợ, đây là tin nhắn thư thoại cho người tiêu dùng, phải chứa một số thông tin bắt buộc và có thể chứa nội dung tùy chọn khác.

    Đọc thêm (bằng tiếng Anh)

    Người cho vay ban đầu (Original creditor)

    Nói chung, người cho vay ban đầu là công ty đã cho quý vị vay hoặc tín dụng. Người cho vay ban đầu có thể cố tự mình thu nợ tài khoản tín dụng quá hạn hoặc có thể thuê người thu nợ. Người cho vay ban đầu cũng có thể bán tài khoản tín dụng của quý vị cho người thu nợ. Người thu nợ nói chung là một bên thứ ba đã ký hợp đồng cụ thể để thu nợ trên tài khoản của quý vị hoặc ai đó đã mua từ người cho vay ban đầu, người thu nợ hay bên mua nợ khác.

    Luật tố tụng (Statute of limitations)

    Luật tố tụng là khoảng thời gian giới hạn mà người cho vay hoặc người thu nợ phải khởi kiện để thu nợ. Hầu hết luật tố tụng rơi vào khoảng từ 3-6 năm, mặc dù ở một số khu vực pháp lý, luật này có thể kéo dài lâu hơn. Luật tố tụng có thể khác nhau, tùy vào luật của tiểu bang, loại nợ mà quý vị có hoặc luật của tiểu bang có tên trong hợp đồng tín dụng của quý vị.

    Thông Báo Xác Thực (Validation Notice)

    Người thu nợ cần cung cấp một số thông tin nhất định khi lần đầu tiên giao tiếp với người tiêu dùng hoặc ngay sau đó. Khi người thu nợ cung cấp thông tin bắt buộc này bằng phương thức điện tử hoặc bằng văn bản, đây gọi là thông báo xác thực.

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    Fraud and scams key terms (in Vietnamese)
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    Các thuật ngữ chính về hành vi lừa đảo

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    Sự trục lợi tài chính đối với người cao tuổi (Elder financial exploitation)

    Sự trục lợi tài chính đối với người cao tuổi là việc sử dụng bất hợp pháp hoặc không đúng cách tiền, bất động sản hoặc tài sản của người cao tuổi. Đây là hình thức lạm dụng người cao tuổi phổ biến nhất, nhưng chỉ một phần nhỏ các vụ việc được báo cáo.

    Thủ phạm có thể là người xa lạ được người cao tuổi tin tưởng, nhưng cũng có thể là thành viên gia đình hoặc bạn bè. Quý vị cần nhận biết được các dấu hiệu cảnh báo.

    Đọc thêm (bằng tiếng Anh)

    Lừa đảo cứu trợ tịch thu tài sản thế chấp (Foreclosure relief scam)

    Lừa đảo cứu trợ tịch thu tài sản thế chấp và điều chỉnh khoản vay thế chấp là âm mưu nhằm lấy tiền hoặc nhà của quý vị - thường bằng cách hứa hão rằng quý vị sẽ không bị tịch thu tài sản thế chấp. Những kẻ lừa đảo này có thể yêu cầu trả trước tiền và đảm bảo rằng quý vị có thể thay đổi các điều khoản vay thế chấp của mình. Nếu quý vị gặp khó khăn khi thanh toán khoản vay thế chấp, cơ quan cố vấn nhà ở được HUD phê duyệt có thể hướng dẫn miễn phí về các lựa chọn của quý vị.

    Cảnh báo lừa đảo để phòng ngừa (Fraud alert for prevention)

    Cảnh báo lừa đảo là phương thức quý vị có thể sử dụng để giảm khả năng trở thành nạn nhân của hành vi đánh cắp thông tin định danh của tài khoản mới. Thông báo này yêu cầu người cho vay (khi kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị) phải thực hiện các bước xác minh danh tính của quý vị trước khi mở tài khoản mới, phát hành thẻ bổ sung hoặc tăng hạn mức tín dụng trên tài khoản hiện có. Khi quý vị đặt cảnh báo lừa đảo trong bản báo cáo điểm và lịch sử dùng tín dụng của mình tại một trong những công ty báo cáo tín dụng trên toàn quốc, công ty đó phải thông báo cho những công ty khác.

    Có hai loại cảnh báo lừa đảo chính: cảnh báo lừa đảo ban đầu và cảnh báo mở rộng. Quân nhân có sẵn một tùy chọn bổ sung là thông báo đang phục vụ trong quân đội, qua đó cung cấp biện pháp bảo vệ cho quân nhân trong khi họ đang tại ngũ.

    Đọc thêm (bằng tiếng Anh).


    Lừa đảo bởi người được ủy thác (Fraud by fiduciaries)

    Người được ủy thác là người quản lý tiền hoặc tài sản của người khác. Ví dụ: Người đại diện theo giấy ủy quyền và người giám hộ do tòa chỉ định là những người được ủy thác.

    Khi được chỉ định là người được ủy thác, luật pháp yêu cầu quý vị phải quản lý tiền và tài sản của người đó vì lợi ích của họ chứ không phải của quý vị. Khi người được ủy thác tiêu tiền cho chính lợi ích của mình, đó có thể là hành vi lừa đảo.

    Đánh cắp thông tin định danh (Identity theft)

    Hành vi đánh cắp thông tin định danh diễn ra khi ai đó đánh cắp danh tính của quý vị để thực hiện hành vi lừa đảo.

    Đánh cắp danh tính của quý vị có thể có nghĩa là sử dụng trái phép thông tin cá nhân của quý vị, chẳng hạn như tên, số An Sinh Xã Hội, thông tin tài khoản ngân hàng hoặc số thẻ tín dụng của quý vị. Ủy Ban Giao Dịch Liên Bang (Federal Trade Commission) cung cấp thông tin về cách ngăn chặn và ứng phó với hành vi đánh cắp thông tin định danh.

    Lừa đảo mạo danh (Imposter scams)

    Kẻ lừa đảo mạo danh cố gắng thuyết phục quý vị gửi tiền bằng cách giả làm người mà quý vị quen biết hoặc tin tưởng như cảnh sát trưởng, nhân viên chính phủ địa phương, tiểu bang hoặc liên bang hoặc tổ chức từ thiện. Lưu ý rằng ID người gọi có thể bị làm giả. Quý vị luôn có thể gọi cho tổ chức hoặc cơ quan chính phủ và hỏi xem người đó có làm việc cho họ hay không trước khi đưa tiền.

    Lừa đảo qua thư (Mail fraud)

    Thư lừa đảo trông có vẻ giống thật nhưng những lời hứa là giả. Một dấu hiệu cảnh báo phổ biến là thư yêu cầu quý vị gửi ngay tiền hoặc thông tin cá nhân để nhận được thứ có giá trị sau khi quý vị gửi tiền hoặc thông tin.


    Hình thức lừa người dùng qua email hoặc tin nhắn giả để thu thập thông tin cá nhân (Phishing)

    Đối với hình thức lừa người dùng qua email hoặc tin nhắn giả để thu thập thông tin cá nhân, kẻ lừa đảo mạo danh một cá nhân hoặc doanh nghiệp để lừa quý vị cung cấp thông tin cá nhân của quý vị, chẳng hạn như mật khẩu, số thẻ tín dụng hoặc thông tin tài khoản ngân hàng. Người lừa đảo có thể sử dụng email, tin nhắn hoặc trang web lừa đảo để đánh cắp thông tin này từ quý vị. Những email này có thể trông chân thực.


    Đóng băng bảo mật để phòng ngừa (Security freeze for prevention)

    Khi đóng băng bảo mật, quý vị ngăn không cho người cho vay mới tiếp cập hồ sơ tín dụng của quý vị và người khác mở tài khoản yêu cầu xét điểm tín dụng dưới tên của quý vị cho đến khi quý vị dỡ bỏ lệnh đóng băng.

    Vì hầu hết các doanh nghiệp sẽ không mở tài khoản tín dụng nếu không thể kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, việc đóng băng có thể ngăn những kẻ đánh cắp thông tin định danh mở tài khoản mới dưới tên của quý vị. Hãy lưu ý rằng việc đóng băng không ngăn được kẻ đánh cắp thông tin định danh chiếm đoạt các tài khoản hiện có.

    Đọc thêm (bằng tiếng Anh).


    Giả mạo (Spoofing)

    Giả mạo xảy ra khi người gọi che giấu thông tin hiển thị trên ID người gọi của quý vị. Hành động này tạo điều kiện cho người gọi có khả năng ngụy trang hoặc "giả mạo" tên và/hoặc số điện thoại để có vẻ như họ đang gọi với tư cách là một người nhất định từ một địa điểm cụ thể.


    Lừa đảo chuyển tiền hoặc chuyển khoản (Wire or money transfer fraud)

    Một số kẻ lừa đảo lừa quý vị chuyển tiền hoặc chuyển khoản để lấy cắp tiền của quý vị. Một ví dụ phổ biến về hành vi lừa đảo chuyển khoản là “lừa đảo các ông bà lớn tuổi”. Hành vi này xảy ra khi kẻ lừa đảo đóng giả là cháu hoặc bạn của cháu, gọi điện và nói rằng mình đang ở nước ngoài hoặc đang gặp rắc rối nào đó và cần chuyển tiền hoặc chuyển khoản ngay lập tức.

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    How to avoid foreclosure (in Vietnamese)
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    Cách tránh bị tịch thu tài sản thế chấp

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    Điều quan trọng nhất quý vị có thể làm khi gặp khó khăn trong việc thanh toán thế chấp là kiểm soát tình hình. Trong hầu hết các trường hợp, điều tồi tệ nhất quý vị có thể làm là không làm gì cả. Kiểm soát có nghĩa là thực hiện 4 bước sau:

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    1. Gọi hoặc nhận cuộc gọi để được trợ giúp

    Kiểm soát bằng cách nhận cuộc gọi từ bên dịch vụ thế chấp. Tốt hơn nữa, hãy gọi cho bên dịch vụ thế chấp ngay khi quý vị biết mình không thể thực hiện khoản thanh toán hàng tháng. Số điện thoại có trên hóa đơn hàng tháng. Cho bên dịch vụ biết lý do quý vị không thể thực hiện khoản thanh toán hàng tháng và yêu cầu bên dịch vụ trợ giúp để tránh bị tịch thu tài sản thế chấp.

    2. Nhờ chuyên gia trợ giúp miễn phí

    Bên dịch vụ có thể giúp đỡ nếu quý vị gặp rắc rối với các khoản thanh toán tiền vay. Nếu quý vị không thể nhận được những gì mình cần từ bên dịch vụ, hãy nhờ chuyên gia thuộc các cơ quan tư vấn về nhà cửa gần quý vị trợ giúp. Cố vấn viên có thể lập kế hoạch phù hợp và hỗ trợ quý vị làm việc với công ty thế chấp. Hãy truy cập trang consumerfinance.gov/mortgagehelp hoặc gọi theo số (800) 569-4287 và nhập mã ZIP của quý vị để tìm cố vấn viên về nhà cửa được HUD phê duyệt.

    3. Ngăn chặn hành vi lừa đảo

    Kẻ lừa đảo cố gắng lợi dụng chủ nhà đang gặp rắc rối bằng cách tính rất nhiều tiền—thậm chí hàng ngàn đô la—khi hứa giúp đỡ một cách sai sự thật. Quý vị không cần phải trả tiền cho bất cứ ai để giúp tránh bị tịch thu tài sản thế chấp. Quý vị nhận được sự trợ giúp cần thiết miễn phí từ bên dịch vụ hoặc thông qua cơ quan tư vấn về nhà cửa được HUD phê duyệt.

    4. Nộp đơn xin trợ giúp

    Bên cho vay phải liên lạc với quý vị, cung cấp cho quý vị thông tin chính xác và cho quý vị biết về các phương án giảm thiểu tổn thất mà quý vị có thể đủ điều kiện. Giảm thiểu thiệt hại đề cập đến những cách mà bên dịch vụ có thể làm việc với quý vị để tránh bị tịch thu tài sản thế chấp. Nếu quý vị gửi sớm đơn xin trợ giúp hoàn chỉnh cho bên dịch vụ thế chấp của mình, bên dịch vụ thế chấp phải cho quý vị biết các lựa chọn mà quý vị có để giữ lại hoặc rời khỏi ngôi nhà của mình (nếu hợp lý hơn).

    Cố vấn viên về nhà cửa có nhiều kinh nghiệm giúp mọi người tránh bị tịch thu nhà. Họ có thể hỗ trợ quý vị thực hiện các bước phức tạp để nắm được các lựa chọn và đăng ký trợ giúp.

    Bên dịch vụ thế chấp không thể đưa ra thông báo đầu tiên hoặc nộp đơn yêu cầu tịch thu tài sản thế chấp cho đến khi quý vị chưa trả khoản thanh toán hơn 120 ngày. Ngoài ra, khi quý vị gửi sớm đơn xin trợ giúp hoàn chỉnh để được hỗ trợ thế chấp, bên dịch vụ thế chấp không thể bắt đầu tịch thu tài sản thế chấp trong quá trình quý vị được đánh giá hoặc nếu quý vị đang tuân thủ yêu cầu sửa đổi khoản vay. Vì vậy, hãy hoàn thành đơn xin và đừng trì hoãn. Quý vị hoàn thành đơn càng sớm thì càng được bảo vệ.

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    Cách phát hiện hành vi lừa đảo tịch thu tài sản thế chấp

    Khi tịch thu tài sản thế chấp, kẻ lừa đảo có thể nói với quý vị rằng họ sẽ cứu quý vị khỏi bị tịch thu nhà, trong khi họ thực sự chỉ lấy tiền của quý vị.

    Chú ý đến các dấu hiệu cảnh báo lừa đảo sau:

    • Quý vị cần trả trước để được giúp đỡ.
    • Công ty đảm bảo rằng họ sẽ thay đổi các điều khoản thế chấp của quý vị.
    • Công ty đảm bảo quý vị sẽ không bị mất nhà.
    • Quý vị cần ký tên sang tên căn nhà của mình hoặc ký các tài liệu khác mà quý vị không hiểu.
    • Quý vị được hướng dẫn gửi khoản thanh toán cho người khác không phải là công ty hoặc bên dịch vụ thế chấp.
    • Công ty đề nghị thực hiện “kiểm toán điều tra”.
    • Quý vị được yêu cầu ngừng thanh toán khoản vay thế chấp.
    • Công ty cho biết họ có liên kết với chính phủ hoặc sử dụng logo trông gần giống với con dấu của chính phủ.
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    Gửi khiếu nại về sản phẩm hoặc dịch vụ tài chính

    Mỗi tuần, chúng tôi gửi hơn 10.000 khiếu nại về sản phẩm và dịch vụ tài chính để các công ty trà lời. Nếu cơ quan khác có thể hỗ trợ tốt hơn, chúng tôi sẽ gửi cho họ và thông báo cho quý vị biết. Hầu hết các công ty trả lời trong vòng 15 ngày.

    • Trực tuyến (bằng tiếng Anh)
    • Hoặc qua điện thoại theo số (855) 411-2372 để được trợ giúp bằng tiếng Anh và 180 ngôn ngữ khác. Các cuộc gọi thường được trả lời trong vòng chưa đầy 1 phút. Khiếu nại của quý vị sẽ được dịch sang tiếng Anh và gửi đến công ty để trả lời. Công ty thường trả lời bằng tiếng Anh, nhưng quý vị có thể gọi cho chúng tôi để nghe thông dịch lại phần trả lời.
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    Mortgages key terms (in Vietnamese)
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    Thuật ngữ chính về khoản vay thế chấp

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    Khoản Vay Thế Chấp Với Lãi Suất Được Điều Chỉnh 5/1 (5/1 Adjustable Rate Mortgage)

    Vay thế chấp với lãi suất được điều chỉnh (ARM) 5/1 hoặc ARM 5 năm là khoản vay thế chấp trong đó “5” là số năm mà lãi suất ban đầu được giữ nguyên. “1” thể hiện tần suất lãi suất sẽ điều chỉnh sau khi thời hạn 5 năm đầu tiên kết thúc. Các khoảng thời gian cố định phổ biến nhất là 3, 5, 7 và 10 năm và “1” là khoảng thời gian điều chỉnh phổ biến nhất. Quý vị cần đọc kỹ hợp đồng và đặt câu hỏi nếu đang cân nhắc ARM.

    Tìm hiểu thêm về cách mức lãi suất có điều chỉnh thay đổi.


    Quy tắc khả năng trả nợ (Ability-to-repay rule)

    Quy tắc khả năng trả nợ là cách xác định thiện chí và hợp lý mà hầu hết người cho vay thế chấp cần thực hiện để đảm bảo rằng quý vị có thể trả lại khoản vay.

    Đọc thêm (bằng tiếng Anh)

    Khoản Vay Thế Chấp Với Lãi Suất Được Điều Chỉnh (Adjustable Rate Mortgage - ARM)

    Vay thế chấp với lãi suất được điều chỉnh (ARM) là loại khoản vay mà lãi suất có thể thay đổi, thường tăng giảm dựa trênlãi suất theo chỉ số. Khoản thanh toán hàng tháng của quý vị sẽ tăng hoặc giảm tùy vào thời hạn ban đầu của khoản vay, lãi trần và lãi suất theo chỉ số. Với ARM, lãi suất và khoản thanh toán hàng tháng có thể bắt đầu thấp hơn so với khoản vay thế chấp lãi suất cố định, nhưng cả lãi suất và khoản thanh toán hàng tháng đều có thể tăng đáng kể.  

    Tìm hiểu thêm về cách thức hoạt động của ARM và những thông tin cần cân nhắc.


    Sự trả dần mỗi tháng (Amortization)

    Sự trả dần mỗi tháng có nghĩa là trả hết khoản vay bằng các khoản thanh toán định kỳ theo thời gian, qua đó số tiền quý vị nợ giảm dần sau mỗi lần thanh toán. Tuy hầu hết các khoản vay mua nhà đều là trả nợ dần mỗi tháng, nhưng một số khoản vay thế chấp không được trả nợ dần hoàn toàn. Nghĩa là quý vị vẫn còn nợ tiền sau khi thực hiện tất cả các khoản thanh toán của mình.

    Một số khoản vay mua nhà cho phép khoản thanh toán chỉ chi trả số tiền lãi đến hạn hoặc số tiền ít hơn số tiền lãi đến hạn. Nếu khoản thanh toán ít hơn số tiền lãi đến hạn mỗi tháng, số dư nợ thế chấp sẽ tăng lên thay vì giảm. Đây gọi là khấu hao âm. Các chương trình cho vay khác không trả dần hết nợ trong thời gian vay có thể yêu cầu trả khoản thanh toán lớn nhất, một lần vào cuối thời hạn cho vay. Hãy đảm bảo rằng quý vị biết rõ loại khoản vay mình chọn.

    Tìm hiểu thêm về quá trình mua nhà. 


    Số tiền vốn vay nợ (Amount financed)

    Nghĩa là số tiền quý vị đang vay từ người cho vay, trừ đi hầu hết các khoản phí trả trước mà người cho vay tính phí quý vị.  

    Đọc thêm (bằng tiếng Anh)

    Thu nhập hàng năm (Annual income)

    Thu nhập hàng năm là một yếu tố trong đơn xin vay thế chấp và thường đề cập đến tổng thu nhập trước thuế mà quý vị kiếm được trong một năm. Thu nhập hàng năm có thể bao gồm thu nhập từ công việc toàn thời gian hoặc bán thời gian, tự kinh doanh, tiền boa, hoa hồng, làm thêm giờ, tiền thưởng hoặc các nguồn khác. Người cho vay sẽ sử dụng thông tin về thu nhập hàng năm và các khoản nợ hàng tháng hiện tại của quý vị để xác định xem quý vị có khả năng trả khoản vay hay không.

    Việc người cho vay có dựa vào một nguồn thu nhập hoặc số tiền cụ thể khi xem xét cho quý vị vay hay không thường sẽ phụ thuộc vào việc liệu quý vị có tiếp tục nhận được thu nhập một cách hợp lý không.

    Tìm hiểu thêm về lý do khả năng trả nợ của quý vị lại quan trọng đối với người cho vay.


    Mức Lãi Suất Theo Phần Trăm Mỗi Năm (Annual Percentage Rate - APR)

    Mức lãi suất theo phần trăm mỗi năm (APR) là thước đo rộng hơn về chi phí vay tiền so với lãi suất. APR phản ánh lãi suất, điểm mua giảm lãi suất, phí môi giới cho vay và các khoản phí khác mà quý vị phải trả khi vay. Vì vậy, APR thường cao hơn lãi suất.

    Tìm hiểu cách so sánh APR


    Phí thẩm định (Appraisal fee)

    Phí thẩm định là chi phí thẩm định căn nhà mà quý vị dự định mua hoặc đã sở hữu. Việc thẩm định nhà cung cấp đánh giá độc lập về giá trị của tài sản. Trong hầu hết trường hợp, việc lựa chọn người thẩm định và bất kỳ chi phí liên quan sẽ tùy vào người cho vay.

    Tìm hiểu thêm về quá trình mua nhà.


    Thanh toán tự động (Automatic payment)

    Nhờ cách thanh toán tự động, quý vị có thể thiết lập khoản thanh toán thế chấp định kỳ thông qua ngân hàng của mình. Thanh toán tự động có thể là một cách thuận tiện để đảm bảo quý vị thanh toán đúng hạn.


    Khoản vay trả số nợ lớn nhất vào đợt cuối cùng (Balloon loan)

    Đối với các khoản thế chấp, khoản vay trả số nợ lớn nhất vào đợt cuối cùng (balloon loan) có nghĩa là khoản vay có khoản thanh toán một lần lớn hơn bình thường, thường là vào cuối thời hạn khoản vay. Khoản thanh toán một lần này gọi là “khoản trả góp lớn nhất (balloon payments)” và cao hơn các khoản thanh toán khác của quý vị, đôi khi cao hơn rất nhiều. Nếu không thể trả khoản trả góp lớn nhất này, quý vị có thể phải vay lại, bán nhà hoặc đối mặt với việc bị tịch thu tài sản thế chấp.

    Tìm hiểu lý do việc vay khoản vay trả số nợ lớn nhất vào đợt cuối cùng có thể rủi ro.


    Thanh toán hai tuần một lần (Bi-weekly payment)

    Trong kế hoạch thanh toán hai tuần một lần, công ty dịch vụ thế chấp sẽ thu một nửa số tiền thanh toán hàng tháng của quý vị sau mỗi 2 tuần, tổng cộng là 26 khoản thanh toán trong suốt cả năm (thêm một khoản thanh toán hàng tháng bổ sung mỗi năm). Khi thực hiện thanh toán bổ sung và áp dụng các khoản thanh toán cho tiền gốc, quý vị có thể sớm trả hết khoản vay. Trước khi chọn thanh toán hai tuần một lần, đừng quên xem lại điều khoản vay để xem liệu quý vị có bị phạt trả trước nếu làm như vậy hay không. Kiểm tra xem nhà cung cấp dịch vụ có tính bất kỳ khoản phí nào đối với gói thanh toán hai tuần một lần hay không. Quý vị có thể hoàn thành mục tiêu tương tự mà không phải trả phí bằng cách trả thêm khoản thế chấp hàng tháng mỗi năm.


    Tờ khai báo ký kết khoản vay thế chấp (Closing Disclosure)

    Tờ khai báo ký kết khoản vay thế chấp là mẫu đơn dài năm trang, bắt buộc cung cấp các chi tiết cuối cùng về khoản vay thế chấp mà quý vị đã chọn. Trong đó bao gồm điều khoản cho vay, khoản thanh toán hàng tháng dự kiến, số tiền cần trả cho các khoản phí và các chi phí khác để vay thế chấp.

    Tìm hiểu cách kiểm tra kỹ xem tất cả chi tiết về khoản vay có chính xác trong tờ khai báo ký kết khoản vay thế chấp không.


    Tiền vay để xây cất (Construction loan)

    Tiền vay để xây cất thường là khoản vay ngắn hạn cung cấp tiền để trang trải chi phí xây dựng hoặc cải tạo nhà.

    Đọc thêm (bằng tiếng Anh)

    Khoản vay không do chính phủ hỗ trợ (Conventional loan)

    Khoản vay không do chính phủ hỗ trợ là bất kỳ khoản vay thế chấp nào không được chính phủ bảo hiểm hoặc bảo lãnh (chẳng hạn như thông qua các chương trình cho vay của Cơ Quan Quản Lý Nhà Ở Liên Bang, Bộ Cựu Chiến Binh hoặc Bộ Nông Nghiệp).

    Tìm hiểu thêm về các khoản vay không do chính phủ hỗ trợ và loại khoản vay khác. 


    Người đồng ký hoặc người cùng vay nợ (Co-signer or co-borrower)

    Người đồng ký hoặc người cùng vay nợ là người đồng ý chịu hoàn toàn trách nhiệm hoàn trả khoản vay thế chấp với quý vị. Người này có nghĩa vụ phải thanh toán bất kỳ khoản thanh toán nào bị lỡ và thậm chí là toàn bộ số tiền vay nếu quý vị không thanh toán. Một số chương trình vay thế chấp phân biệt người đồng ký là người không đứng tên và không có bất kỳ quyền sở hữu nào đối với ngôi nhà thế chấp. Khi có người đồng ký hoặc người cùng vay nợ để vay thế chấp, người cho vay có thêm sự đảm bảo rằng khoản vay sẽ được hoàn trả. Tuy nhiên, hồ sơ tín dụng và tài chính của người đồng ký hoặc người cùng vay nợ của quý vị sẽ gặp rủi ro nếu quý vị không trả nợ.

    Tìm hiểu thêm về quá trình mua nhà. 


    Lịch sử dùng tín dụng (Credit history)

    Lịch sử dùng tín dụng là bản ghi các tài khoản tín dụng của quý vị và lịch sử thanh toán đúng hạn, thể hiện trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Công ty báo cáo cho người tiêu dùng (còn gọi là công ty báo cáo tín dụng) thu thập và cập nhật thông tin về hồ sơ tín dụng của quý vị và cung cấp thông tin đó cho các doanh nghiệp khác. Những doanh nghiệp này sẽ sử dụng thông tin nói trên để đưa ra quyết định về quý vị. Bản báo cáo điểm và lịch sử dùng tín dụng chứa thông tin về hoạt động tín dụng và tình hình tín dụng hiện tại của quý vị, chẳng hạn như lịch sử thanh toán khoản vay và trạng thái tài khoản tín dụng của quý vị.

    Tìm hiểu thêm về cách kiểm tra lịch sử dùng tín dụng trước khi mua nhà.


    Bản báo cáo điểm và lịch sử dùng tín dụng (Credit report)

    Bản báo cáo điểm và lịch sử dùng tín dụng là bản báo cáo chứa thông tin về hoạt động tín dụng và tình hình tín dụng hiện tại của quý vị, chẳng hạn như lịch sử thanh toán khoản vay và tình trạng tài khoản tín dụng của quý vị. Người cho vay sử dụng điểm tín dụng của quý vị và thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị để xác định xem quý vị có đủ điều kiện vay hay không và mức lãi suất sẽ cung cấp cho quý vị.

    Tìm hiểu cách nhận bản sao cho bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. 


    Điểm tín dụng (Credit score)

    Điểm tín dụng dự đoán khả năng trả lại khoản vay đúng hạn của quý vị. Các công ty sử dụng công thức toán học - gọi là mô hình tính điểm - để tạo điểm tín dụng của quý vị từ thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Vì có nhiều mô hình tính điểm khác nhau nên quý vị không chỉ có một điểm tín dụng. Điểm của quý vị phụ thuộc vào lịch sử dùng tín dụng, loại sản phẩm cho vay và thậm chí cả ngày tính điểm.

    Tìm hiểu nơi quý vị có thể nhận điểm tín dụng của mình.


    Tỷ lệ nợ (Debt ratio)

    Tỷ lệ nợ trên thu nhập là toàn bộ các khoản thanh toán nợ hàng tháng chia cho tổng thu nhập trước thuế hàng tháng. Con số này là một cách mà người cho vay dùng để đo lường khả năng quý vị quản lý các khoản thanh toán hàng tháng để hoàn trả số tiền quý vị dự định vay.

    Tìm hiểu cách tính tỷ lệ nợ trên thu nhập. 


    Chứng thư tịch thu nhà (Deed-in-lieu of foreclosure)

    Chứng thư tịch thu nhà là một thỏa thuận, trong đó quý vị tự nguyện chuyển quyền sở hữu nhà của mình cho người cho vay để tránh quá trình tịch thu tài sản thế chấp. Nhờ chứng thư tịch thu nhà, quý vị có thể tránh phải chịu trách nhiệm cá nhân đối với bất kỳ số tiền nào còn lại trong khoản thế chấp. Nếu quý vị sống ở một tiểu bang mà mình phải chịu trách nhiệm về bất kỳ khoản thiếu hụt nào (khoản chênh lệch giữa giá trị tài sản của quý vị và số tiền quý vị còn nợ trong khoản vay khi mua nhà), quý vị sẽ muốn yêu cầu người cho vay từ bỏ khoản thiếu hụt đó. Nếu người cho vay từ bỏ khoản thiếu hụt, hãy ghi nhận sự từ bỏ này bằng văn bản và giữ trong hồ sơ của quý vị. Chứng thư tịch thu nhà là một loại giảm thiểu tổn thất.


    Quá hạn (Delinquent)

    Quá hạn là một thuật ngữ khác để chỉ việc quý vị thanh toán trễ hạn. Khoản vay sẽ trở nên quá hạn khi quý vị bỏ lỡ thanh toán hoặc không thanh toán đầy đủ trước ngày đáo hạn. Sau khi quý vị quá hạn trong khoảng thời gian nhất định, người cho vay hoặc công ty dịch vụ thế chấp có thể bắt đầu quá trình tịch thu tài sản thế chấp. Khoảng thời gian này có thể khác nhau, tùy theo tiểu bang.

    Các quy tắc liên bang cũng có thể áp dụng khi bắt đầu tịch thu tài sản thế chấp. Tìm hiểu thêm về các lựa chọn của quý vị nếu quý vị không thể trả khoản vay thế chấp.

    Nếu quý vị bị ảnh hưởng bởi coronavirus

    Nhận thêm thông tin về các lựa chọn cứu trợ khoản vay thế chấp. 


    Tính năng đòi nợ (Demand feature)

    Tờ khai báo ký kết khoản vay thế chấp có một tuyên bố với nội dung “Khoản vay của quý vị có tính năng đòi nợ”, có thể được chọn là “có” hoặc “không”. Tính năng đòi nợ cho phép người cho vay yêu cầu trả nợ trước hạn.

    Đọc thêm (bằng tiếng Anh)


    Tiền trả trước (Down payment)

    Tiền trả trước là số tiền quý vị trả ngay cho căn nhà. Quý vị trả ngay một tỷ lệ phần trăm giá trị của căn nhà và vay phần còn lại thông qua khoản vay thế chấp. Nói chung, quý vị trả trước càng nhiều tiền, lãi suất nhận được càng thấp và càng có nhiều khả năng được chấp thuận cho vay.

    Tìm hiểu thêm về cách xác định tiền trả trước.


    Chương trình hoặc trợ cấp hỗ trợ tiền trả trước (Down payment programs or grants)

    Chương trình hoặc trợ cấp hỗ trợ tiền trả trước thường đề cập đến sự hỗ trợ do tổ chức như chính phủ hoặc cơ quan phi lợi nhuận cung cấp cho người mua nhà để trợ giúp họ trả trước khi mua nhà. Các khoản tiền này có thể cung cấp dưới dạng trợ cấp hoàn toàn hoặc có thể yêu cầu hoàn trả, chẳng hạn như khi bán nhà.

    Tìm hiểu nơi quý vị có thể nhận thông tin về chương trình hoặc trợ cấp hỗ trợ tiền trả trước.


    Tiền đặt cọc (Earnest money)

    Tiền đặt cọc là khoản tiền ký quỹ mà người mua trả để thể hiện thiện chí đối với thỏa thuận hợp đồng đã ký để mua nhà. Tiền đặt cọc do người bán hoặc bên thứ ba như nhà môi giới bất động sản hoặc công ty chứng thư giữ. Nếu giao dịch mua bán nhà hoàn tất hoặc “ký kết” xong, tiền đặt cọc có thể được dùng để trả cho lệ phí để hoàn tất giao dịch bất động sản hoặc tiền trả trước. Nếu hợp đồng bị chấm dứt vì lý do chính đáng, tiền đặt cọc sẽ được trả lại cho người mua. Nếu người mua không thực hiện một cách thiện chí, tiền đặt cọc có thể bị tịch thu và trả cho người bán.Tìm hiểu thêm về quá trình mua nhà.


    Vốn chủ sở hữu (Equity)

    Vốn chủ sở hữu là giá trị hiện tại của tài sản quý vị có trừ đi tiền thế chấp hiện có trên tài sản của quý vị.

    Tìm hiểu xem khoản vay tiền vốn từ căn nhà đang trả góp là gì.


    Tài khoản ký quỹ (Escrow)

    Tài khoản ký quỹ do người cho vay thiết lập để thanh toán một số chi phí liên quan đến tài sản, như thuế tài sản và bảo hiểm nhà. Một phần thanh toán hàng tháng của quý vị được chuyển vào tài khoản này. Nếu khoản vay thế chấp của quý vị không có tài khoản ký quỹ, quý vị sẽ thanh toán trực tiếp các chi phí liên quan đến tài sản.

    Tìm hiểu thêm về cách chứng thư ủy thác giữ làm bằng chứng cho 2 bên ảnh hưởng đến khoản thanh toán tiền vay thế chấp hàng tháng.


    Fannie Mae

    Quỹ Thế Chấp Nhà Ở Quốc Gia Liên Bang (Fannie Mae) mua và bảo đảm các khoản thế chấp từ các tổ chức cho vay nhằm nỗ lực tăng cường cách thức cho vay hợp lý. Fannie Mae không phải là cơ quan liên bang. Đây là doanh nghiệp được chính phủ tài trợ dưới sự giám sát của Cơ Quan Tài Chính Nhà Ở Liên Bang (FHFA).

    Tìm hiểu thêm về các khoản vay không do chính phủ hỗ trợ.


    Lệ phí vay vốn của FHA (FHA funding fee)

    Cục Quản Lý Nhà Ở Liên Bang (FHA) yêu cầu lệ phí vay vốn của FHA và phí bảo hiểm hàng tháng (MIP) cho hầu hết các chương trình dành cho nhà biệt lập. Phí bảo hiểm khoản vay trả trước này đôi khi gọi là Phí bảo hiểm khoản vay trả trước (UFMIP).

    Tìm hiểu xem khoản vay thế chấp FHA có phù hợp với quý vị hay không.


    Khoản vay FHA (FHA loan)

    Khoản vay FHA là khoản vay từ người cho vay tư nhân do Cơ Quan Quản Lý Nhà Ở Liên Bang (FHA) quản lý và bảo hiểm. Khoản vay FHA khác với các khoản vay không do chính phủ hỗ trợ vì cho phép điểm tín dụng thấp hơn và khoản trả trước thấp tới 3,5% tổng số tiền vay. Số tiền cho vay tối đa khác nhau, tùy theo quận.

    Tìm hiểu về khoản vay FHA và các lựa chọn khoản vay mua nhà khác.


    Giới hạn vay thế chấp FHA (FHA mortgage limits)

    Giới hạn vay thế chấp FHA là giới hạn số tiền đối với các khoản vay thế chấp đủ điều kiện mà FHA sẽ bảo hiểm trong chương trình thế chấp nhà biệt lập. Các giới hạn này dựa trên vị trí và có thể sửa đổi hàng năm.

    Sử dụng công cụ của FHA để tra cứu các giới hạn cho vay cấp quận của quý vị . 


    Phí vay nợ trả góp (Finance charge)

    Phí vay nợ trả góp là tổng số tiền lãi và phí vay mà quý vị phải trả trong toàn bộ thời hạn của khoản vay thế chấp.

    Đọc thêm (bằng tiếng Anh)


    Chương trình cho vay dành cho người mua nhà lần đầu (First-time home buyers (FTHB) loan programs)

    Người mua nhà lần đầu (FTHB) có thể sử dụng một số loại chương trình cho vay khác nhau để mua căn nhà đầu tiên của mình. Các khoản vay FTHB phổ biến bao gồm chương trình do FHA, VA, USDA, Fannie Mae và Freddie Mac cung cấp với khoản trả trước thấp. Một số chương trình xác định FTHB là người chưa mua nhà trong vòng từ ba năm trở lên.

    Tìm hiểu các lựa chọn cho vay của quý vị. 


    Vay thế chấp lãi suất cố định (Fixed-rate mortgage)

    Vay thế chấp lãi suất cố định là một loại khoản vay mua nhà, trong đó lãi suất được ấn định khi quý vị vay tiền và sẽ không thay đổi trong suốt thời hạn của khoản vay.

    Tìm hiểu thêm về cách hoạt động của khoản vay thế chấp lãi suất cố định và những nội dung cần cân nhắc. 


    Hoãn trả nợ tạm thời (Forbearance)

    Hoãn trả nợ tạm thời là khi công ty dịch vụ thế chấp cho phép quý vị tạm thời thanh toán khoản vay thế chấp của mình với mức lãi suất thấp hơn hoặc tạm thời ngừng thanh toán khoản vay thế chấp của quý vị. Công ty dịch vụ thế chấp có thể cho quý vị hoãn trả nợ nếu - chẳng hạn như gần đây quý vị bị mất việc, bị tai nạn hoặc bị bệnh hay thương tích làm tăng chi phí chăm sóc sức khỏe của quý vị. Hoãn trả nợ tạm thời là một loại giảm thiểu tổn thất.

    Tìm hiểu thêm về hoãn trả nợ tạm thời khoản vay thế chấp

    Tùy vào loại khoản vay mình có, quý vị có thể có các lựa chọn hoãn trả nợ tạm thời khác nhau. Quý vị phải liên hệ với công ty làm dịch vụ cho vay để yêu cầu được hoãn trả nợ tạm thời. Lưu ý rằng quý vị sẽ phải bù đắp các khoản thanh toán bị thiếu hoặc bị lỡ này khi thời gian hoãn trả nợ tạm thời kết thúc.

    Nếu quý vị bị ảnh hưởng bởi coronavirus

    Nhận thêm thông tin về các lựa chọn cứu trợ khoản vay thế chấp.


    Bảo hiểm bắt buộc (Force-placed insurance)

    Công ty dịch vụ thế chấp có thể yêu cầu bảo hiểm bắt buộc khi quý vị không có chính sách bảo hiểm của riêng mình hoặc nếu chính sách của riêng quý vị không đáp ứng các yêu cầu của công ty dịch vụ thế chấp. Bảo hiểm bắt buộc thường chỉ bảo vệ người cho vay, chứ không phải quý vị. Công ty dịch vụ thế chấp sẽ tính phí bảo hiểm cho quý vị. Bảo hiểm bắt buộc thường đắt hơn so với việc tự quý vị tìm mua hợp đồng bảo hiểm.


    Tịch thu tài sản thế chấp (Foreclosure)

    Tịch thu tài sản thế chấp là khi người cho vay hoặc công ty dịch vụ thế chấp lấy lại tài sản sau khi người chủ nhà không thanh toán khoản vay thế chấp. Ở một số tiểu bang, người cho vay phải ra tòa để tịch thu tài sản của quý vị (tịch biên tài sản), nhưng các tiểu bang khác không yêu cầu có thủ tục tòa án (tịch thu tài sản thế chấp mà không cần có phán quyết của tòa án). Nói chung, người vay phải được thông báo nếu người cho vay hoặc công ty dịch vụ thế chấp bắt đầu thủ tục tịch thu tài sản thế chấp. Các quy tắc liên bang cũng có thể áp dụng khi bắt đầu tịch thu tài sản thế chấp.

    Nếu quý vị lo lắng về việc bị tịch thu tài sản thế chấp, hãy tìm hiểu cách nhận trợ giúp.

    Nếu quý vị bị ảnh hưởng bởi coronavirus

    Nhận thêm thông tin về các lựa chọn cứu trợ khoản vay thế chấp.


    Freddie Mac

    Tập Đoàn Thế Chấp Cho Vay Mua Nhà Liên Bang (Freddie Mac) là công ty tư nhân do Quốc Hội thành lập. Nhiệm vụ của tập đoàn này là thúc đẩy tính ổn định và giá cả phải chăng trong thị trường nhà ở bằng cách mua khoản thế chấp từ ngân hàng và các nhà cho vay khác. Tập đoàn Freddie Mac hiện đang được quản lý, dưới sự chỉ đạo của Cơ Quan Tài Chính Nhà Ở Liên Bang (FHFA).

    Tìm hiểu thêm về các khoản vay không do chính phủ hỗ trợ. 


    Tài Liệu Ước Tính Tiền Trả Góp Khi Vay Thế Chấp (Good Faith Estimate)

    Tài Liệu Ước Tính Tiền Trả Góp Khi Vay Thế Chấp (GFE) là mẫu đơn mà người cho vay phải cung cấp cho quý vị khi quý vị nộp đơn xin thế chấp ngược. GFE liệt kê thông tin cơ bản về các điều khoản của đề nghị cho vay thế chấp ngược.  

    Tìm hiểu thời điểm quý vị nhận được Tài Liệu Ước Tính Tiền Trả Góp Khi Vay Thế Chấp. 


    Phí lưu giữ hồ sơ của chính phủ (Government recording charges)

    Phí lưu giữ hồ sơ của chính phủ là phí do các cơ quan chính quyền tiểu bang và địa phương tính cho việc lưu giữ hợp pháp chứng thư, thế chấp và các tài liệu liên quan đến khoản vay mua nhà của quý vị.

    Đọc thêm (bằng tiếng Anh)

    Khoản vay thế chấp có giá cao hơn (Higher-priced mortgage loan)

    Nói chung, khoản vay thế chấp có giá cao hơn là khoản vay có mức lãi suất theo phần trăm mỗi năm (hay APR) cao hơn mức chuẩn (gọi là Mức Lãi Suất Ưu Đãi Chính Trung Bình).

    Đọc thêm (bằng tiếng Anh)

    Phí quản lý của HOA (HOA dues)

    Nếu quan tâm đến việc mua chung cư, hợp tác xã nhà ở hoặc nhà trong khu được quy hoạch hoặc cộng đồng có tổ chức khác dùng chung các dịch vụ, quý vị thường phải trả lệ phí khu chung cư hoặc phí quản lý của Hiệp Hội Chủ Nhà (HOA). Các khoản phí này khác nhau đáng kể. Lệ phí khu chung cư hoặc phí quản lý của HOA thường thanh toán riêng với khoản thanh toán thế chấp hàng tháng. Nếu không trả các khoản phí này, quý vị có thể phải đối mặt với các nỗ lực thu nợ của hiệp hội chủ nhà và thậm chí bị tịch thu nhà.

    Tìm hiểu thêm về quá trình mua nhà.


    Thẩm định nhà (Home appraisal)

    Thẩm định là tài liệu bằng văn bản, cho thấy ý kiến về giá trị của một tài sản. Quá trình thẩm định cung cấp cho quý vị thông tin hữu ích về tài sản. Quá trình này mô tả giá trị tài sản và có thể so sánh tài sản đó với các tài sản khác trong vùng lân cận. Thẩm định là đánh giá độc lập về giá trị của tài sản.

    Tìm hiểu thêm về lý do việc thẩm định lại quan trọng. 


    Hạn mức tín dụng cho vốn chủ sở hữu (Home equity line of credit - HELOC)

    Hạn mức tín dụng cho vốn chủ sở hữu (HELOC) là hạn mức tín dụng cho phép quý vị vay dựa trên phần vốn quý vị có trong tài sản. Vốn chủ sở hữu là giá trị hiện tại của tài sản quý vị có trừ đi tiền thế chấp hiện tại trên tài sản của quý vị. Không giống như khoản vay tiền vốn từ căn nhà đang trả góp, HELOC thường có lãi suất có thể điều chỉnh. Đối với hầu hết các HELOC, quý vị sẽ nhận được ngân phiếu đặc biệt hoặc thẻ tín dụng và có thể vay tiền trong thời gian nhất định kể từ khi mở tài khoản. Khoảng thời gian này gọi là “thời hạn rút tiền vay”. Trong thời hạn này, quý vị có thể vay tiền và phải thực hiện các khoản thanh toán tối thiểu. Khi “thời hạn rút tiền vay” kết thúc, quý vị sẽ không thể vay tiền từ hạn mức tín dụng của mình nữa. Sau khi thời hạn nói trên kết thúc, quý vị có thể cần thanh toán cùng lúc toàn bộ số dư nợ của mình hoặc có thể được phép hoàn trả trong khoảng thời gian nhất định. Nếu quý vị không thể trả lại HELOC, người cho vay có thể tịch thu nhà của quý vị.


    Vay tiền vốn từ căn nhà đang trả góp (Home equity loan)

    Khoản vay tiền vốn từ căn nhà đang trả góp (đôi khi gọi là HEL) cho phép quý vị vay tiền bằng cách sử dụng vốn chủ sở hữu nhà của quý vị làm tài sản thế chấp. Vốn chủ sở hữu là giá trị hiện tại của tài sản quý vị có trừ đi tiền vay thế chấp hiện có trên tài sản của quý vị. Quý vị nhận được tiền từ khoản vay tiền vốn từ căn nhà đang trả góp dưới dạng gộp một lần. Khoản vay tiền vốn từ căn nhà đang trả góp thường có lãi suất cố định, tức là sẽ không thay đổi. Nếu quý vị không thể trả lại HEL, người cho vay có thể tịch thu nhà của quý vị.  


    Kiểm định nhà (Home inspection)

    Quá trình mua nhà thường có bước kiểm định nhà. Quý vị thường có quyền thuê kiểm định viên nhà để kiểm tra tài sản nhằm chỉ ra những điểm mạnh và điểm yếu của nhà đó. Quá trình này đặc biệt hữu ích khi quý vị cần kiểm tra các hệ thống cơ khí cũng như cấu trúc của ngôi nhà, bao gồm hệ thống sưởi, thông gió, điều hòa không khí và điện.

    Tìm hiểu cách hẹn lịch kiểm định. 


    Hiệp Hội Chủ Nhà (Homeowners’ Association - HOA)

    Hiệp Hội Chủ Nhà (HOA) vốn được thành lập để quản lý các chi phí chung như cảnh quan và chi phí bảo trì khác cho phân khu quy hoạch hoặc cộng đồng có tổ chức khác. HOA chung cư đảm nhận nhiều trách nhiệm hơn, chẳng hạn như bảo trì đường lái xe vào nhà, cấu trúc chung và mái nhà.

    Nhận thêm thông tin về cách HOA có thể xuất hiện trên bảng sao kê thế chấp. 


    Bảo hiểm nhà (Homeowner's insurance)

    Bảo hiểm nhà trả cho những tổn thất và thiệt hại cho tài sản của quý vị nếu có điều gì đó bất ngờ xảy ra, chẳng hạn như hỏa hoạn hoặc trộm cắp. Khi quý vị vay thế chấp, người cho vay muốn đảm bảo rằng tài sản của quý vị được bảo hiểm bảo vệ. Đó là lý do người cho vay thường yêu cầu bằng chứng cho thấy quý vị có bảo hiểm nhà. Bảo hiểm nhà không giống với bảo hiểm thế chấp.

    Tìm hiểu thêm về quy trình mua nhà.


    Giá mua nhà (Home purchase price)

    Giá mua nhà là số tiền mà người mua và người bán đồng ý trả cho người bán để mua nhà.

    Learn more about finding the right home. 


    HUD

    Bộ Phát Triển Nhà và Đô Thị (HUD) là cơ quan chính phủ giúp mọi người có được và duy trì nhà ở chất lượng với giá cả phải chăng. Họ đào tạo và tài trợ cho các cố vấn viên về nhà ở trên khắp đất nước. Cơ quan cố vấn về nhà ở được HUD phê duyệt có thể tư vấn mua nhà để quý vị hiểu và đánh giá các lựa chọn của mình.

    Tìm cơ quan cố vấn về nhà ở được HUD phê duyệt.


    Văn bản thỏa thuận HUD-1 (HUD-1 settlement statement)

    Văn Bản Thỏa Thuận HUD-1 liệt kê tất cả các khoản phí và khoản tín dụng cho người mua và người bán trong cuộc thỏa thuận về bất động sản hoặc tất cả các loại phí trong khoản vay lại khoản thế chấp. Quý vị nhận được HUD-1 nếu đăng ký thế chấp ngược hoặc đăng ký thế chấp vào hay trước ngày 3 tháng 10 năm 2015.

    Tìm hiểu khi nào quý vị sẽ nhận được HUD-1. 


    Chỉ số (Index)

    Chỉ số này là mức lãi suất chuẩn, phản ánh các điều kiện chung của thị trường. Chỉ số thay đổi dựa trên thị trường. Thay đổi trong chỉ số - cùng khoản vay ký quỹ - xác định thay đổi về lãi suất đối với khoản vay thế chấp với lãi suất được điều chỉnh.

    Hiểu cách yếu tố chỉ số ảnh hưởng đến lãi suất của khoản vay thế chấp với lãi suất được điều chỉnh.


    Mức trần điều chỉnh ban đầu (Initial adjustment cap)

    Mức trần điều chỉnh ban đầu thường kết hợp với khoản vay thế chấp với lãi suất được điều chỉnh (ARM). Mức trần này xác định mức lãi suất có thể tăng trong lần điều chỉnh đầu tiên sau khi hết thời hạn lãi suất cố định. Thông thường, mức trần nói trên là 2 hoặc 5% - nghĩa là ở lần thay đổi lãi suất đầu tiên, mức lãi mới không thể cao hơn 2% (hoặc 5%) điểm so với mức lãi ban đầu trong thời hạn lãi suất cố định.

    Hiểu cách yếu tố chỉ số ảnh hưởng đến lãi suất của khoản vay thế chấp với lãi suất được điều chỉnh.


    Tiền gửi ký quỹ ban đầu (Initial escrow deposit)

    Tiền gửi ký quỹ ban đầu là số tiền quý vị sẽ trả tại bước cuối cùng trong giao dịch bất động sản để bắt đầu tài khoản ký quỹ của mình, nếu người cho vay của quý vị yêu cầu.

    Đọc thêm (bằng tiếng Anh)


    Khoản vay chỉ trả lãi (Interest-only loan)

    Vay thế chấp chỉ trả lãi là khoản vay có các khoản trả theo lịch trình, yêu cầu quý vị chỉ trả lãi trong khoảng thời gian nhất định.

    Đọc thêm (bằng tiếng Anh)


    Lãi suất (Interest rate)

    Lãi suất cho khoản vay thế chấp là chi phí quý vị sẽ trả mỗi năm để vay tiền, biểu thị bằng tỷ lệ phần trăm. Lãi suất này không phản ánh phí hoặc bất kỳ khoản phí nào khác mà quý vị có thể phải trả cho khoản vay. Ví dụ: Nếu khoản vay mua nhà là $100.000 đô la với lãi suất 4%, người tiêu dùng đó đã đồng ý trả $4.000 cho mỗi năm họ vay hoặc nợ toàn bộ số tiền đó.

    Khám phá lãi suất tại khu vực của quý vị. 


    Mức trần lãi suất (Interest rate cap)

    Mức trần lãi suất - đôi khi gọi là mức trần hàng năm - là mức tăng lãi suất tối đa có thể xảy ra hàng năm đối với khoản vay thế chấp với lãi suất được điều chỉnh (ARM), ngay cả khi lãi suất sẽ tăng nhiều hơn theo lãi suất thị trường. Ví dụ: Nếu mức trần này là 2%, mức lãi mới không được cao hơn mức lãi trước đó quá 2%.

    Hiểu cách người cho vay sử dụng chỉ số và biên để điều chỉnh lãi suất của quý vị. 


    Khoản vay lớn (Jumbo loan)

    Mỗi năm, Fannie Mae, Freddie Mac và cơ quan quản lý của họ là Cơ Quan Tài Chính Nhà Ở Liên Bang (FHFA) ấn định số tiền tối đa cho các khoản vay mà họ sẽ mua từ những người cho vay.

    Đọc thêm (bằng tiếng Anh) 


    Bảo hiểm chứng thư của người cho vay (Lenders title insurance)

    Bảo hiểm chứng thư của người cho vay bảo vệ người cho vay khỏi các vấn đề liên quan đến quyền sở hữu tài sản của quý vị - chẳng hạn như khi ai đó có khiếu nại pháp lý đối với ngôi nhà. Bảo hiểm chứng thư của người cho vay chỉ bảo vệ người cho vay trước các vấn đề liên quan đến quyền sở hữu. Để tự bảo vệ mình, quý vị có thể muốn mua bảo hiểm chứng thư của chủ sở hữu.

    Đọc thêm (bằng tiếng Anh) 


    Lãi suất trần có điều chỉnh trong thời hạn vay (Lifetime adjustment cap)

    Lãi suất trần có điều chỉnh trong thời hạn vay thường sử dụng với khoản vay thế chấp với lãi suất được điều chỉnh (ARM). Mức trần này này xác định mức lãi suất có thể tăng tổng cộng là bao nhiêu, trong suốt thời hạn của khoản vay. Ví dụ: Nếu mức trần này là 5%, nghĩa là mức lãi không bao giờ có thể cao hơn 5% so với mức lãi ban đầu. Một số người cho vay có thể có lãi suất trần khác hoặc cao hơn.

    Hiểu cách yếu tố chỉ số ảnh hưởng đến khoản vay thế chấp với lãi suất được điều chỉnh.


    Cưỡng chế khoản vay (Loan assumption)

    Cưỡng chế khoản vay xảy ra khi người mua tiếp nhận khoản thế chấp từ người bán khi họ mua nhà của người bán. Người mua tiếp quản số dư còn lại trong khoản thế chấp của người bán, theo điều khoản cho vay ban đầu—ví dụ: lãi suất và thời hạn còn lại của khoản thế chấp. Cưỡng chế khoản vay có thể phù hợp khi khoản thế chấp mới đang với lãi suất cao hơn so với khi người bán ban đầu vay thế chấp của họ.

    Khoản chênh lệch giữa giá bán căn nhà và số dư trên khoản vay cưỡng chế bằng với số tiền mà người mua phải trả tiền túi hoặc bằng cách vay thế chấp của chính họ.

    Để tiếp nhận khoản vay thế chấp, người mua nhà cần đủ điều kiện cho việc cưỡng chế khoản vay. Khả năng đủ điều kiện thường dựa trên kết quả xem xét tín dụng và thu nhập của người mua, tương tự như khả năng đủ điều kiện vay khoản thế chấp mới

    Cưỡng chế khoản vay cũng có thể áp dụng khi quý vị nhận được quyền sở hữu tài sản có thế chấp – ví dụ: sau khi qua đời hoặc ly hôn.


    Hoãn khoản vay (Loan deferment)

    Người vay đang gặp khó khăn trong việc thanh toán khoản thế chấp thường có quyền yêu cầu bên dịch vụ thế chấp giúp đỡ. Bên dịch vụ có thể đồng ý hoãn khoản vay, qua đó tạo điều kiện cho người vay tránh bị tịch thu tài sản thế chấp bằng cách hoãn các khoản thanh toán thế chấp quá hạn. Số tiền hoãn trả đến hạn khi người vay vay lại khoản vay, bán nhà, hoặc khoản thế chấp kết thúc theo cách khác.


    Ước tính khoản vay (Loan estimate)

    Ước Tính Khoản Vay là mẫu đơn dài 3 trang mà quý vị sẽ nhận được sau khi đăng ký vay mua nhà.  

    Đọc thêm (bằng tiếng Anh) 


    Điều chỉnh khoản vay (Loan modification)

    Điều chỉnh khoản vay mua nhà là sự thay đổi trong các điều khoản cho vay. Việc điều chỉnh là một loại giảm thiểu tổn thất. Cách thức này có thể giảm khoản tiền trả hàng tháng của quý vị xuống mức quý vị có khả năng trả. Hoạt động điều chỉnh có thể liên quan đến việc kéo dài số năm quý vị phải trả khoản vay, giảm lãi suất và/hoặc hoãn hoặc giảm số dư nợ gốc của quý vị. Nếu quý vị được đề nghị điều chỉnh khoản vay, hãy đảm bảo mình biết rõ việc này sẽ thay đổi khoản chi trả hàng tháng của quý vị ra sao, cũng như tổng số tiền quý vị sẽ nợ ngắn hạn và dài hạn.

    Tìm hiểu thêm về việc điều chỉnh khoản vay mua nhà

    Nếu quý vị bị ảnh hưởng bởi virus corona

    Nhận thêm thông tin về các lựa chọn cứu trợ khoản vay thế chấp. 


    Tỉ số vay trên giá trị (Loan-to-value ratio)

    Tỉ số vay trên giá trị (LTV) là thước đo so sánh số tiền vay thế chấp với giá trị thẩm định của tài sản. Quý vị đặt cọc càng nhiều tiền, tỷ số LTV càng thấp. Người cho vay có thể sử dụng LTV để quyết định có cho quý vị vay hay không và để xác định xem có cần bảo hiểm khoản vay riêng không.  

    Tìm hiểu xem tỉ số vay trên giá trị liên quan như thế nào đến chi phí của quý vị. 


    Giảm thiểu tổn thất (Loss mitigation)

    Giảm thiểu tổn thất đề cập đến các bước mà người làm dịch vụ thế chấp thực hiện để làm việc với người vay thế chấp nhằm tránh bị tịch thu tài sản thế chấp. Giảm thiểu tổn thất đề cập đến trách nhiệm của người làm dịch vụ trong việc giảm thiểu hoặc “giảm nhẹ” tổn thất cho nhà đầu tư có thể đến từ việc tịch thu tài sản thế chấp. Một số lựa chọn giảm thiểu tổn thất có thể giúp quý vị ở lại nhà của mình. Các lựa chọn khác có thể giúp quý vị rời khỏi nhà mà không bị tịch thu tài sản thế chấp. Các lựa chọn giảm thiểu tổn thất có thể bao gồm chứng thư tịch thu nhà, hoãn trả nợ tạm thời, kế hoạch trả nợ, bán thanh lý, or a điều chỉnh khoản vay. 

    Nếu quý vị gặp khó khăn khi trả khoản vay thế chấp hoặc nếu quý vị đã được đề nghị và đang xem xét các lựa chọn giảm thiểu tổn thất khác nhau, hãy liên hệ với cơ quan cố vấn về nhà cửa được Bộ Phát Triển Nhà và Đô Thị (HUD) phê duyệt. 

    Quý vị có thể sử dụng công cụ "Find a Counselor" (Tìm Cố Vấn Viên) của CFPB để nhận danh sách cơ quan cố vấn về nhà cửa trong khu vực của quý vị đã được HUD chấp thuận. Quý vị cũng có thể gọi đến Đường Dây Nóng HOPE™, trực 24 giờ/ngày, 7 ngày/tuần, theo số (888) 995-HOPE (4673).

    Nếu quý vị bị ảnh hưởng bởi virus corona

    Nhận thêm thông tin về các lựa chọn cứu trợ khoản vay thế chấp. 


    Biên (Margin)

    Biên là số điểm phần trăm do người cho vay thêm vào chỉ số để đặt lãi suất cho khoản tiền trả thế chấp với lãi suất được điều chỉnh (ARM) sau khi thời hạn lãi suất ban đầu kết thúc. Biên được ấn định trong hợp đồng cho vay và sẽ không thay đổi sau khi hoàn tất giao dịch. Số tiền biên phụ thuộc vào người cho vay và khoản vay cụ thể.  

    Hiểu cách yếu tố biên ảnh hưởng đến khoản vay thế chấp với lãi suất được điều chỉnh. 


    Chi phí hàng tháng (Monthly expenses)

    Đây là số tiền quý vị chi tiêu hàng tháng. Trong đó có thể bao gồm, nhưng không giới hạn ở các nghĩa vụ định kỳ như tiền thuê nhà hoặc khoản tiền trảthế chấp, tiện ích, tiền xe, tiền hỗ trợ nuôi con và trả bảo hiểm, cũng như nhu yếu phẩm như thực phẩm. Hầu hết những nghĩa vụ này sẽ có ngày đáo hạn cố định.

    Đánh giá chi phí hàng tháng bằng công cụ theo dõi chi tiêu này. 


    Thế chấp (Mortgage)

    Thế chấp là thỏa thuận giữa quý vị và người cho vay, cho phép quý vị vay tiền mua hoặc vay lại để mua nhà, đồng thời trao cho người cho vay quyền lấy tài sản của quý vị nếu quý vị không trả được số tiền đã vay.

    Nếu quý vị đã sẵn sàng để vay thế chấp, hãy tìm hiểu thêm về việc mua nhà. 


    Danh sách liệt kê việc hoàn thành vay thế chấp (Mortgage closing checklist)

    Danh sách liệt kê việc hoàn thành vay thế chấp là danh sách gồm các bước quý vị có thể thực hiện để chuẩn bị và tìm hiểu những gì sẽ xảy ra.Danh sách này sẽ giúp quý vị xác định những câu hỏi chính cần hỏi trước để quý vị có thể tự tin hoàn thành giao dịch.

    Sử dụng bảng tính này để chuẩn bị cho bước cuối cùng trong giao dịch bất động sản. 


    Lệ phí để hoàn thành giao dịch bất động sản (Mortgage closing costs)

    Lệ phí để hoàn thành giao dịch bất động sản là tất cả các chi phí quý vị sẽ trả khi hoàn thành giao dịch. Trong đó bao gồm phí khởi tạo, phí thẩm định, chi phí cho bản báo cáo điểm và lịch sử dùng tín dụng, phí bảo hiểm chứng thư, cũng như bất kỳ khoản phí nào khác mà người cho vay yêu cầu hoặc được trả trong giao dịch thế chấp bất động sản. Người cho vay cần cung cấp bản tóm tắt những chi phí này cho quý vị trong Ước Tính Khoản Vay.

    Tìm hiểu thêm về những gì xảy ra ở bước cuối cùng trong giao dịch bất động sản. 


    Bảo hiểm khoản vay (Mortgage insurance)

    Bảo hiểm khoản vay bảo vệ người cho vay nếu quý vị trả chậm trễ. Bảo hiểm khoản vay thường được yêu cầu nếu quý vị đặt cọc tiền ít hơn 20% giá trị tài sản. Bảo hiểm khoản vay cũng thường được yêu cầu đối với các khoản vay FHA và USDA. Tuy nhiên, nếu quý vị có khoản vay không do chính phủ hỗ trợ và tiền đặt cọc dưới 20%, rất có thể quý vị sẽ có bảo hiểm khoản vay thế chấp riêng (PMI).  

    Hiểu cách bảo hiểm vay thế chấp hoạt động 


    Điều chỉnh khoản vay thế chấp (Mortgage loan modification)

    Điều chỉnh khoản vay thế chấp là sự thay đổi trong các điều khoản cho vay. Việc điều chỉnh này là một loại giảm thiểu tổn thất.

    Đọc thêm (bằng tiếng Anh) 


    Vay lại khoản thế chấp (Mortgage refinance)

    Vay lại khoản thế chấp là khi quý vị vay một khoản vay mới để trả hết và thay thế khoản vay cũ của mình. Những lý do phổ biến để vay lại là giảm lãi suất hàng tháng, giảm khoản tiền trả thế chấp hoặc vay thêm tiền. Khi vay lại, quý vị thường phải trả phí và lệ phí để hoàn thành giao dịch bất động sản. Nếu quý vị vay lại và nhận được khoản tiền trả hàng tháng thấp hơn, hãy đảm bảo rằng quý vị hiểu mức giảm là bao nhiêu từ lãi suất thấp hơn và khi thời hạn vay dài hơn.

    Hướng Dẫn Vay Lại Khoản Thế Chấp Dành Cho Người Tiêu Dùng




    Kỳ hạn vay thế chấp (Mortgage term)

    Kỳ hạn của khoản vay thế chấp là khoảng thời gian quý vị phải hoàn trả khoản vay. Đối với hầu hết các loại nhà, kỳ hạn vay thường là 15, 20 hoặc 30 năm.

    Khám phá các lựa chọn kỳ hạn vay. 


    Phí Khởi Tạo (Origination Fee)

    Phí khởi tạo là những gì người cho vay tính phí cho người vay để thực hiện khoản vay thế chấp.Phí khởi tạo có thể bao gồm việc xử lý đơn đăng ký, bảo lãnh phát hành và cấp vốn cho khoản vay cũng như các dịch vụ hành chính khác. Phí khởi tạo nói chung chỉ có thể tăng trong một số trường hợp nhất định.

    Tìm hiểu thêm về chi phí khởi tạo thế chấp. 


    Bảo hiểm chứng thư của chủ sở hữu (Owner's title insurance)

    Bảo hiểm chứng thư của chủ sở hữu bảo vệ người chủ nhà nếu ai đó kiện và nói rằng họ có yêu cầu bồi thường từ giá trị của ngôi nhà từ trước khi chủ nhà mua nhà đó.

    Đọc thêm (bằng tiếng Anh)


    Tài trợ vốn PACE (Pace financing)

    Tài trợ vốn PACE cung cấp cách tài trợ vốn để cải thiện khả năng sử dụng năng lượng hiệu quả của nhà ở.  

    Đọc thêm (bằng tiếng Anh)


    Yêu cầu bồi thường một phần (Partial claim)

    Yêu cầu bồi thường một phần là cách sử dụng bảo hiểm thế chấp để giúp chủ nhà đang gặp khó khăn tránh bị tịch thu tài sản thế chấp. Công ty dịch vụ thế chấp đưa ra yêu cầu đối với bảo hiểm thế chấp cho số tiền của bất kỳ khoản thanh toán thế chấp nào còn nợ và công ty bảo hiểm sẽ dành số tiền đó trong tài khoản riêng. Sau đó, khi người vay vay lại khoản thế chấp, bán nhà hoặc chấm dứt khoản thế chấp, số tiền yêu cầu bồi thường một phần sẽ được thanh toán cho bên dịch vụ thế chấp. Đôi khi, số tiền yêu cầu bồi thường một phần không bao gồm toàn bộ số tiền chưa thanh toán và trong những trường hợp đó, người vay phải trả phần chênh lệch.


    Số tiền trả hết (Payoff amount)

    Số tiền trả hết là số tiền quý vị thực sự phải trả để đáp ứng điều khoản của khoản vay thế chấp và trả hết nợ. Số tiền trả hết khác với số dư nợ hiện tại. Số dư nợ hiện tại có thể không phản ánh số tiền quý vị thực sự phải trả để đáp ứng đầy đủ khoản vay. Số tiền trả hết cũng bao gồm việc trả bất kỳ khoản lãi nào quý vị nợ cho đến ngày quý vị dự định trả hết khoản vay. Số tiền trả hết còn có thể bao gồm các khoản phí khác quý vị đã phát sinh và chưa trả. 


    Yêu cầu PCS (PCS orders)

    Quân nhân tại ngũ có thể cần thay đổi trạm vĩnh viễn (PCS). Yêu cầu PCS là sự di dời chính thức của một quân nhân (và bất kỳ gia đình nào sống cùng họ) đến một vị trí phục vụ quân đội khác.Nếu sở hữu nhà, quân nhân có thể chọn bán nhà đó. Nếu nợ tiền mua nhà nhiều hơn giá trị nhà, quân nhân có thể gặp khó khăn khi bán nhà của mình. Một số người làm dịch vụ cung cấp các chương trình cho phép quân nhân bán nhà và không phải trả lại số dư nợ còn lại. Truy cập nguồn lực dành cho quân nhân để biết thêm thông tin. 


    PITI

    Gốc, Lãi, Thuế, và Bảo Hiểm (gọi là PITI) là 4 yếu tố cơ bản của khoản tiền trả thế chấp hàng tháng.

    Đọc thêm (bằng tiếng Anh) 


    PMI

    Bảo Hiểm Khoản Vay Thế Chấp Riêng (PMI) là loại bảo hiểm khoản vay có lợi cho người cho vay. Quý vị có thể phải trảPMI nếu đặt cọc tiền ít hơn 20% giá trị tài sản và có khoản vay không do chính phủ hỗ trợ. Quý vị có thể hủy PMI sau khi đã tích lũy được một số tiền vốn chủ sở hữu nhất định cho nhà của mình.

    Tìm hiểu thêm về thời điểm cần PMI 


    Phí lãi trả trước (Prepaid interest charges)

    Phí lãi trả trước là các khoản phí phải trả tại bước cuối cùng trong giao dịch bất động sản, áp dụng cho bất kỳ khoản lãi hàng ngày nào tích lũy trên khoản vay từ ngày quý vị hoàn thành khoản vay mua nhà đến thời hạn trả khoản thế chấp hàng tháng đầu tiên.  

    Đọc thêm (bằng tiếng Anh)


    Phạt trả trước (Prepayment penalty)

    Phạt trả trước là khoản phí mà một số người cho vay tính nếu quý vị trả sớm hết hoặc một phần khoản thế chấp của mình. Nếu bị phạt trả trước, quý vị hẳn đã đồng ý với điều khoản này khi hoàn thành giao dịch mua nhà. Không phải khoản thế chấp nào cũng sẽ phạt trả trước.. 


    Vốn gốc (Principal)

    Vốn gốc là số tiền vay khi mua nhà mà quý vị phải trả lại. Khoản tiền trả hàng tháng bao gồm một phần vốn gốc đó. Khi trả vốn gốc, người vay nợ ít hơn và sẽ trả lãi ít hơn dựa trên quy mô khoản vay thấp hơn.

    Tìm hiểu sự khác biệt giữa lãi suất và vốn gốc. 


    Thuế tài sản (Property taxes)

    Thuế tài sản là loại thuế do chính quyền địa phương tính, thường là ở cấp quận, dựa trên giá trị của tài sản bị đánh thuế. Thông thường, thuế tài sản được thu trong khoản tiền trả thế chấp hàng tháng của chủ sở hữu nhà, sau đó trả cho cơ quan có thẩm quyền liên quan một hoặc nhiều lần mỗi năm. Đây gọi là tài khoản ký quỹ. Nếu khoản vay không có tài khoản ký quỹ, chủ nhà sẽ trả trực tiếp thuế tài sản.

    Tìm hiểu thêm về quá trình mua nhà. 


    Khoản thế chấp đạt điều kiện (Qualified mortgage)

    Khoản Thế Chấp Đạt Điều Kiện là danh mục khoản vay có một số tính năng nhất định, ổn định hơn, qua đó quý vị có nhiều khả năng trả được khoản vay của mình.

    Đọc thêm (bằng tiếng Anh)


    Yêu Cầu Bằng Văn Bản Đủ Điều Kiện (Qualified Written Request - QWR)

    Yêu Cầu Bằng Văn Bản Đủ Điều Kiện (hay QWR) là thư từ bằng văn bản mà quý vị hoặc ai đó đại diện cho quý vị có thể gửi cho người làm dịch vụ thế chấp. Thay vì QWR, quý vị cũng có thể gửi cho người làm dịch vụ Thông Báo Lỗi hoặc Yêu Cầu Thông Tin.

    Đọc thêm (bằng tiếng Anh) 


    Kế hoạch trả nợ (Repayment plan)

    Kế hoạch trả nợ là cách có cấu trúc nhằm bù đắp các khoản tiền trả vay thế chấp quý vị bỏ lỡ trong khoảng thời gian nhất định. Đây là một hình thức giảm thiểu tổn thất. Nếu quý vị gặp khó khăn khi trả tiền vay thế chấp, người cho vay hoặc người làm dịch vụ có thể cho phép quý vị tham gia kế hoạch trả nợ. Trước khi tham gia kế hoạch trả nợ, hãy đảm bảo quý vị hiểu các yêu cầu của kế hoạch này và liệu có thể thực hiện các khoản tiền trả mới hay không.


    Thế chấp ngược (Reverse mortgage)

    Thế chấp ngược cho phép chủ sở hữu nhà từ 62 tuổi trở lên vay dựa trên phần vốn khi vay thế chấp mua nhà. Hình thức này gọi là thế chấp “đảo ngược” vì, thay vì trảcho người cho vay, quý vị sẽ nhận được tiền từ người cho vay. Số tiền quý vị nhận được và tiền lãi tính cho khoản vay sẽ làm tăng số dư nợ của quý vị mỗi tháng. Hầu hết các khoản thế chấp ngược ngày nay gọi là HECM (Chuyển Đổi Thế Chấp Của Vốn Chủ Sở Hữu).

    Tìm hiểu những gì quý vị nên cân nhắc trước khi nộp đơn xin thế chấp ngược. 


    Quyền hủy bỏ (Right of rescission)

    Quyền hủy bỏ đề cập đến quyền của người tiêu dùng hủy bỏ một số loại khoản vay. Nếu đang mua một căn nhà có thế chấp, quý vị không có quyền hủy bỏ khoản vay sau khi ký kết và hoàn thành giao dịch bất động sản. Tuy nhiên, nếu đang vay lại một khoản thế chấp, quý vị có thời hạn đến nửa đêm của ngày làm việc thứ 3 sau giao dịch đó để hủy bỏ hợp đồng thế chấp. Thời hạn 3 ngày nói trên không bắt đầu cho đến khi quý vị ký hợp đồng tín dụng (thường gọi là giấy nhận nợ). Quý vị sẽ nhận mẫu Cam Kết Trung Thực Trong Cho Vay và 2 bản sao của thông báo giải thích quyền hủy bỏ của quý vị. 


    Khoản thế chấp thứ hai (Second mortgage)

    Khoản thế chấp thứ hai hoặc quyền cầm giữ không ưu tiên là khoản vay quý vị vay bằng cách sử dụng ngôi nhà của mình làm tài sản thế chấp trong khi vẫn có một khoản vay khác được đảm bảo bằng ngôi nhà của mình.

    Tìm hiểu thêm về khoản thế chấp thứ hai.


    Quyền lợi được đảm bảo (Security interest)

    Quyền lợi được đảm bảo là quyền cho phép người cho vay tịch thu nếu quý vị không trả lại số tiền mình đã vay.

    Đọc thêm (bằng tiếng Anh) 


    Sự tài trợ vốn của người bán (Seller financing)

    Sự tài trợ vốn của người bán là khoản vay mà người bán nhà của quý vị cung cấp cho quý vị.  

    Đọc thêm (bằng tiếng Anh) 


    Người làm dịch vụ (Servicer)

    Người làm dịch vụ thế chấp là công ty gửi cho quý vị văn bản thế chấp của quý vị. Người làm dịch vụ cũng xử lý các công việc hàng ngày để quản lý khoản vay của quý vị.

    Người làm dịch vụ cho vay thường xử lý các khoản thanh toán tiền vay, trả lời câu hỏi của người vay, theo dõi vốn gốc và lãi đã trả, đồng thời quản lý tài khoản ký quỹ của quý vị (nếu có). Người làm dịch vụ cho vay có thể bắt đầu tịch thu tài sản thế chấp trong một số trường hợp nhất định. Người làm dịch vụ cho vay có thể là hoặc không phải là công ty ban đầu cho quý vị vay. 


    Thế chấp chia sẻ giá trị tăng (Shared appreciation mortgage)

    Theo khoản thế chấp chia sẻ giá trị tăng, quý vị đồng ý chia cho người cho vay một phần của bất kỳ sự gia tăng nào trong giá trị căn nhà của quý vị.  

    Đọc thêm (bằng tiếng Anh) 


    Bán thanh lý (Short sale)

    Bán thanh lý là việc bán căn nhà của quý vị với giá thấp hơn số tiền quý vị nợ khi thế chấp. Bán thanh lý là giải pháp thay thế cho hình thức tịch thu tài sản, nhưng vì đây là giao dịch nên quý vị sẽ phải rời khỏi nhà của mình. Nếu người cho vay hoặc người làm dịch vụ đồng ý bán thanh lý, quý vị có thể bán nhà để trả nợ thế chấp, ngay cả khi giá bán hoặc số tiền thu được thấp hơn số dư nợ còn lại trong khoản thế chấp. Bán thanh lý là một loại giảm thiểu tổn thất. Nếu quý vị sống ở tiểu bang mà mình phải chịu trách nhiệm về bất kỳ khoản thiếu hụt nào (khoản chênh lệch giữa giá trị tài sản của quý vị và số tiền quý vị còn nợ trong khoản vay mua nhà), quý vị sẽ muốn yêu cầu người cho vay từ bỏ khoản thiếu hụt đó. Nếu người cho vay từ bỏ khoản thiếu hụt, hãy viết ra bằng văn bản và giữ trong hồ sơ của quý vị.


    Thế chấp dưới chuẩn (Subprime mortgage)

    Khi người cho vay sử dụng thuật ngữ này, họ thường muốn nói đến chương trình cho vay dành cho người vay không đủ điều kiện vay vốn chính, thường với lãi suất cao hơn.

    Tìm hiểu thêm về quá trình mua nhà. 


    Bản đồ địa hình (Survey)

    Bản đồ địa hình là bản vẽ về tài sản của quý vị, cho thấy vị trí của lô đất, ngôi nhà và bất kỳ cấu trúc nào khác, cũng như bất kỳ cải tiến nào đối với tài sản đó.

    Đọc thêm (bằng tiếng Anh)


    Phí dịch vụ chứng thư (Title service fees)

    Phí dịch vụ chứng thư nằm trong lệ phí để hoàn thành giao dịch bất động sản mà quý vị phải trả khi vay thế chấp. Khi mua nhà, quý vị sẽ nhận được tài liệu thường gọi là chứng thư, cho thấy người bán đã chuyển quyền sở hữu hợp pháp hoặc “quyền sở hữu” căn nhà cho quý vị. Phí dịch vụ chứng thư là chi phí liên quan đến việc ban hành chính sách bảo hiểm chứng thư cho người cho vay.  

    Đọc thêm (bằng tiếng Anh)


    Phần trăm tổng lãi (Total interest percentage - TIP)

    Phần Trăm Tổng Lãi (TIP) là thông tin tiết lộ cho quý vị biết số tiền lãi mà quý vị sẽ trả trong suốt thời hạn của khoản vay thế chấp.

    Đọc thêm (bằng tiếng Anh)


    Tổng thanh toán (Total of payments)

    Con số này cho biết tổng số tiền quý vị sẽ phải trả trong suốt thời hạn thế chấp của mình.

    Đọc thêm (bằng tiếng Anh) 


    TRID

    “TRID” là từ viết tắt mà một số người sử dụng để chỉ TILA-RESPA Quy Định Công Khai Đầy Đủ (TILA RESPA Integrated Disclosure).

    Đọc thêm (bằng tiếng Anh)


    Khoản Vay USDA (USDA Loan)

    Dịch Vụ Nhà Ở Nông Thôn thuộc Bộ Nông Nghiệp Hoa Kỳ (USDA) cung cấp các chương trình thế chấp không cần đặt cọc tiền và lãi suất thường ưu đãi cho những người mua nhà ở nông thôn đáp ứng yêu cầu về thu nhập của USDA.

    Tìm hiểu thêm về khoản vay này và các chương trình cho vay đặc biệt khác.


    Khoản vay VA (VA loan)

    Khoản vay VA là chương trình cho vay do Bộ Cựu Chiến Binh (VA) cung cấp, nhằm giúp quân nhân, cựu chiến binh và vợ/chồng còn sống đủ điều kiện mua nhà.VA không thực hiện các khoản vay nhưng đặt ra quy tắc về những người có thể đủ điều kiện và điều khoản thế chấp. VA đảm bảo một phần khoản vay để giảm rủi ro thua lỗ cho người cho vay. Các khoản vay nói chung chỉ có sẵn cho một nơi cư trú chính.

    Nếu quý vị là cựu chiến binh, hãy tìm hiểu xem  khoản vay VA có phù hợp với mình không.

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    Shopping for a mortgage (in Vietnamese)
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    Tìm kiếm khoản vay thế chấp

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    Việc tìm kiếm khoản vay thế chấp cần thời gian và năng lương. Nhưng việc đó có thể giúp quý vị tiết kiệm hàng ngàn đô la. Đặt mục tiêu so sánh ít nhất ba khoản vay được cung cấp từ những nhà cho vay khác nhau.

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    Trên trang này:

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    Nhận được ít nhất ba thư phê duyệt trước

    Internet và báo chí là một nơi tốt để quý vị bắt đầu tìm kiếm những nhà cung cấp khoản vay. Liên lạc với các ngân hàng, hiệp hội tín dụng và các tổ chức có thể chuyên về trường hợp của quý vị—chẳng hạn như những người mua nhà lần đầu, cựu chiến binh, nhân viên dịch vụ công cộng hoặc những người khác.

    Hỏi ít nhất ba nhà cho vay khác nhau để được “phê duyệt trước”. Điều này có nghĩa là nhà cung cấp khoản vay sẽ xem xét tình hình tài chính của quý vị, bao gồm cả báo cáo tín dụng của quý vị, và ước tính số tiền quý vị có thể vay cũng như mức lãi suất mà quý vị có thể phải trả.

    Phê duyệt trước cho phép quý vị thử từng nhà cung cấp khoản vay để xem loại khoản vay và giá mà họ đưa ra. Khi quý vị nhận được cả ba thư phê duyệt trước trong một thời gian ngắn, điểm tín dụng của quý vị sẽ không bị ảnh hưởng nhiều.

    Quý vị sẽ trở lại với những nhà cung cấp khoản vay này khi quý vị đã đưa ra một số quyết định và yêu cầu họ cung cấp các khoản vay.

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    Tìm kiếm thời hạn cho vay, cấu trúc lãi suất và các chương trình

    Thời hạn cho vay: Dài hơn hoặc ngắn hơn

    Nói chung, thời hạn cho vay dài hơn sẽ tốn nhiều chi phí hơn trong suốt thời hạn của khoản vay. Nhưng các khoản thanh toán hàng tháng của quý vị thường thấp hơn. Quý vị có thể thương lượng một thời hạn cho vay khác với nhà cho vay của mình, chẳng hạn như 20 năm, 7 năm hoặc thậm chí lâu hơn 30 năm.

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    Hầu hết người mua nhà chọn khoản vay 30 năm vì các khoản thanh toán có thể thấp.

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    Các khoản thanh toán thường cao hơn so với các khoản vay 30 năm, nhưng khoản vay của quý vị được trả hết trong 15 năm và tổng chi phí của khoản vay có thể thấp hơn.

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    Cơ cấu lãi suất cho vay: Lãi suất cố định hoặc lãi suất điều chỉnh

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    Các khoản vay có lãi suất cố định là phổ biến. Khoản thanh toán ban đầu của quý vị có thể thấp hơn với khoản vay có lãi suất có thể điều chỉnh, nhưng nếu lãi suất tăng, quý vị có thể phải đối mặt với các khoản thanh toán tăng cao.

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    Lãi suất và khoản thanh toán hàng tháng của quý vị sẽ giữ nguyên trong suốt thời gian vay của quý vị.

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    Lãi suất của quý vị thường được cố định trong vài năm đầu tiên của khoản vay. Sau khi hết thời hạn cố định, tỷ lệ sẽ điều chỉnh theo định kỳ (các khoảng thời gian đều đặn) dựa trên “chỉ số”. Chỉ số là thước đo lãi suất nói chung và nó phản ánh các xu hướng trong nền kinh tế nói chung. Điều này có nghĩa là số tiền thanh toán của quý vị có thể tăng hoặc giảm. Thông tin chi tiết được bao gồm trong Bảng Ước Tính khoản vay mà quý vị nhận được từ nhà cho vay.

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    Chương trình cho vay: Chương trình FHA, VA thông thường hay đặc biệt

    Có nhiều chương trình cho vay, và một số chương trình được thiết lập để giúp những người trong một số hoàn cảnh hoặc nhóm nhất định có thể nhận được các khoản vay thế chấp.

    Trả trước từ 5% hoặc hơn?

    Hỏi về khoản vay đủ điều kiện của Fannie Mae hoặc Freddie Mac, thường được gọi là khoản vay “thông thường”.

    Chỉ trả trước một khoản tiền nhỏ?

    Hỏi về khoản vay được FHA bảo đảm.

    Quân nhân hay cựu chiến binh?

    Hỏi về khoản vay được VA bảo đảm.

    Mua nhà ở vùng nông thôn?

    Hỏi về khoản vay do USDA tài trợ.

    Người mua nhà lần đầu có thu nhập thấp hoặc trung bình?

    Hỏi về các khoản vay có sẵn thông qua cơ quan tài chính nhà ở của tiểu bang của quý vị.

    So sánh các khoản vay được cung cấp

    Bây giờ, đã đến lúc bắt đầu quá trình nộp đơn chính thức. Yêu cầu nhà cho vay của quý vị cung cấp các khoản vay phản ánh các lựa chọn của quý vị về loại khoản vay, chương trình và thời hạn. Sau đó, quý vị sẽ có thể so sánh các khoản vay giống nhau.

    Đầu tiên, so sánh các phần cơ bản của khoản vay:

    • Thời hạn của khoản vay là gì?
    • Lãi suất là gì? Khoản vay dựa trên số tiền trả trước nào?
    • Số tiền phải trả hàng tháng là bao nhiêu?
    • Đối với các khoản vay có lãi suất có thể điều chỉnh, việc điều chỉnh thanh toán và lãi suất có bị giới hạn không? Khi nào các khoản thanh toán của tôi sẽ trả hết tiền gốc?

    Tiếp theo, so sánh các chi tiết còn lại có thể ảnh hưởng đến chi phí của quý vị:

    • Khi nào các khoản thanh toán của tôi sẽ trả hết tiền gốc của tôi?
    • Các khoản thanh toán có thay đổi trong suốt thời hạn của khoản vay không?
    • Thanh toán của tôi có thể cao đến mức nào?
    • Khoản thanh toán của tôi có bao gồm thuế bất động sản và bảo hiểm không? Nếu không, tôi có đủ khả năng để thanh toán những khoản đó riêng không?
    • Những chi phí và lệ phí nào sẽ được thêm vào khoản thanh toán ban đầu của tôi? Đối với khoản thanh toán đang diễn ra của tôi?
    • Tôi có cần phải trả điểm (các khoản phí trả trước làm giảm lãi suất của quý vị) không?
    • Những khoản phí và chi phí nào được bao gồm trong số tiền tôi sẽ vay (điển hình cho khoản vay “không có chi phí khóa sổ”)?
    • Khoản vay được cung cấp bằng văn bản có khớp với những gì tôi được cho biết về khoản vay không?
    • Tôi có thể nhận được thỏa thuận tốt hơn về các dịch vụ thanh toán từ các nhà cung cấp dịch vụ khác nhau không?
    • Tôi có thể hoàn trả khoản vay sớm hoặc thanh toán nhiều hơn so với lịch trình mà không bị phạt không?

    Yêu cầu một thỏa thuận tốt hơn

    Khi quý vị thấy các khoản vay được cung cấp từ một số nhà cho vay, hãy hỏi xem họ có thể cung cấp các khoản vay tốt hơn không. Thương lượng là phổ biến, và không có hại gì khi hỏi. Nhà cung cấp khoản vay có thể miễn hoặc giảm một hoặc nhiều khoản phí, hoặc giảm lãi suất hoặc điểm.

    Hãy bảo đảm rằng nhà cung cấp khoản vay không giảm một khoản phí trong khi tăng một khoản phí khác hoặc giảm lãi suất của quý vị nhưng tăng điểm của quý vị.

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    Shopping for your auto loan (in Vietnamese)
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    Tìm khoản vay mua xe của quý vị

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    Tìm khoản vay mua xe, lãi suất và các điều khoản khác tốt nhất, mặc dù phức tạp nhưng cũng giống như các hình thức mua sắm và so sánh khác. Tìm trước sẽ giúp quý vị sẵn sàng thương lượng khoản vay mua xe và giúp cho quá trình này bớt căng thẳng hơn.

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    Chuẩn bị trước khi quý vị nộp đơn xin vay mua xe

    Quý vị sẽ có lợi thế hơn khi tìm và thương lượng khoản vay mua xe, nếu thực hiện theo các bước bên dưới trước khi nộp đơn xin vay.

    Kiểm tra báo cáo tín dụng của quý vị

    Thông tin trong báo cáo tín dụng của quý vị quyết định điểm tín dụng. Điểm tín dụng này đóng vai trò quan trọng trong việc xác định loại tiền vay mua xe nào và quý vị sẽ trả lãi suất bao nhiêu cho khoản vay đó. Sau đây là một số tài liệu có ích:

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    Quý vị có cần một người đồng ký tên hay không?

    Người đồng ký tên là người – chẳng hạn như cha/mẹ, thành viên gia đình, hoặc bạn bè –có nghĩa vụ theo hợp đồng trong việc hoàn trả khoản vay giống như quý vị. Nếu lịch sử tín dụng của quý vị bị hạn chế hoặc cần cải thiện và quý vị có điểm tín dụng thấp (hoặc không có điểm tín dụng), lãi suất của quý vị có thể thấp hơn nhiều, nếu quý vị có một người đồng ký tên có tín dụng tốt hoặc xuất sắc. Đó là do bên cho vay sẽ dựa vào lịch sử và điểm tín dụng của người đồng ký tên đó khi quyết định cho vay.

    Nếu quý vị đang suy nghĩ muốn nhờ một người đồng ký tên, quý vị và người đó nên suy nghĩ kỹ về quyết định này. Nếu quý vị không hoàn trả khoản vay, quý vị và người đồng ký tên sẽ phải có trách nhiệm hoàn trả. Người đồng ký tên có trách nhiệm đối với khoản vay mặc dù họ không có quyền sở hữu xe. Ngoài ra, mọi khoản trả góp trễ cũng sẽ ảnh hưởng đến cả hồ sơ và điểm tín dụng của quý vị và người đồng ký tên đó. Luật pháp liên bang cấm bên cho vay yêu cầu quý vị phải có người đồng ký tên nếu quý vị nộp đơn xinvay với tư cách cá nhân và quý vị đủ điều kiện theo các tiêu chuẩn về mức tín nhiệm của bên cho vay. Để biết thêm thông tin về việc đồng ký tên, hãy truy cập consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811.

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    Kiểm tra lãi suất vay mua xe hiện hành

    Quý vị có thể tìm hiểu lãi suất bằng cách liên lạc với một số ngân hàng, liên hiệp tín dụng, hoặc bên cho vay khác. Quý vị cũng có thể xem trên mạng tại nhiều trang web thương mại có ước tính mức lãi suất cho toàn quốc và theo mã zip của quý vị. Một số trang web thương mại sẽ liên kết quý vị với các bên cho vay và đại lý cụ thể để biết các con số ước tính, do đó quý vị nên cẩn thận khi nhập thông tin cá nhân.

    Nên trả tiền đặt cọc

    Tiền đặt cọc sẽ giúp giảm tổng số tiền tài trợ vì quý vị chỉ vay ít hơn. Khoản tiền đặt cọc càng lớn, thì tổng chi phí vay càng thấp.

    Quý vị nên quyết định xem có nên bán lại chiếc xe hiện tại của mình cho đại lý hay không

    Nếu quý vị đã sở hữu một chiếc xe, hãy tìm giá thị trường của nó để xem được bao nhiêu khi bán lại cho đại lý hoặc bán cho tư nhân. Quý vị có thể tra cứu giá ước tính ở các trang web thương mại trực tuyến như Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power và các mục rao vặt trực tuyến. Các tài nguyên này cũng có tại thư viện địa phương. Tìm các xe tương tự đã bán gần đây trong khu vực của quý vị sẽ cho biết được giá thị trường.

    Một khi được biết chiếc xe hiện tại của mình trị giá khoảng bao nhiêu, quý vị có thể quyết định có nên bán lại cho đại lý hay bán cho tư nhân. Nếu quý vị bán lại cho một đại lý, thì quý vị và đại lý sẽ quyết định giá để trừ vào tổng số tiền mua xe mới. Nếu quý vị tự bán cho tư nhân, thì quý vị có thể sử dụng số tiền đó làm khoản đặt cọc.

    Nếu quý vị đang vay mua xe hiện tại mà quý vị muốn bán lại cho đại lý, thì hãy suy nghĩ kỹ

    Nên cẩn thận xem có nên vay thêm nợ mới hay không. Sau đây là một số điểm cần suy nghĩ và các bước:

    • Trước khi đến đại lý, quý vị nên gọi bên cho vay hiện tại để lấy thông tin về tổng số tiền cần phải trả hết nợ hiện tại.
    • Quyết định xem liệu quý vị sẽ trả hết khoản vay hiện tại ngay lúc này, chờ đến khi trả hết khoản vay mua xe cũ trước khi quý vị vay mua một chiếc xe khác, hay vay mua xe mới thêm vào khoản đang vay mua xe cũ.
    • Nếu quý vị đang có số tiền nợ chiếc xe hiện tại nhiều hơn giá trị của nó — được gọi là upside down — thì quý vị bị âm vốn. Nếu quý vị chuyển số dư của khoản vay mua xe hiện tại vào khoản vay mua xe mới, điều này có thể làm cho khoản vay mua xe mới trở nên đắt hơn nhiều. Tổng chi phí vay sẽ cao hơn vì quý vị sẽ vay nhiều hơn giá của chiếc xe mới.
    • Sau khi tìm hiểu giá bán lại cho đại lý xe, nếu số tiền quý vị vẫn còn nợ trên chiếc xe muốn bán lại thấp hơn giá trị của nó, hãy nhớ khi thương lượng quý vị nên xem mình có nhận được giá thị trường cho chiếc xe bán lại và có khả năng trả hết khoản vay mua xe cũ.
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    Có phải quý vị vẫn nợ tiền chiếc xe muốn bán lại không?

    Nếu lúc này quý vị muốn chuyển số dư của khoản vay cũ sang khoản vay mới, quý vị nên hiểu điều này sẽ ảnh hưởng đến tổng chi phí khoản vay mới của quý vị. Hãy xem kỹ tổng chi phí của khoản vay mới bao gồm số tiền đã vay, lãi suất phần trăm hàng năm (APR), mức lãi suất, thời hạn vay (tháng) và khoản trả góp hàng tháng – trước khi quý vị đồng ý với bất kỳ điều khoản nào. Nếu quý vị không chuyển số tiền vẫn còn nợ chiếc xe cũ sang khoản vay mới, và giữ lại chiếc xe hiện tại đồng thời mua một chiếc mới, thì quý vị sẽ có hai khoản vay và hai khoản trả góp hàng tháng cần trả. Cách nào thì quý vị cũng phải tính toán xem nên tiến hành giao dịch và mua xe mới, nếu quý vị vẫn nợ tiền chiếc xe muốn bán lại có phải là việc hợp lý hay không. Để biết thêm thông tin, hãy truy cập consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779.

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    Hãy suy nghĩ trước khi mua them những lựa chọn bổ sung

    Khi quý vị đến một đại lý bán xe, quý vị sẽ được đề nghị các sản phẩm và dịch vụ bổ sung cho chiếc xe hoặc cho khoản vay. Quý vị nên suy nghĩ trước về những lựa chọn bổ sung này, để quý vị không bị căng thẳng tại đại lý và có sẵn câu trả lời khi được hỏi mua các sản phẩm bổ sung này. Các sản phẩm bổ sung thường gặp gồm có:

    Các sản phẩm và dịch vụ này, mà quý vị có thể nhận tài trợ, là không bắt buộc. Nếu muốn mua, quý vị có thể thương lượng giá cả. Nếu quý vị cho rằng mình muốn mua các sản phẩm hoặc dịch vụ này, hãy tìm hiểu. Ví dụ, công ty bảo hiểm xe của quý vị có thể cung cấp bảo hiểm GAP, bảo hiểm tín dụng hoặc các phương án thay thế khác. Nếu quý vị mua các sản phẩm bổ sung tùy chọn bằng khoản vay của mình, số tiền quý vị vay và phải trả sẽ tăng.

    Lúc này quý vị đã tìm hiểu xong, quý vị sẽ sẵn sàng thực hiện bước tiếp theo: tìm khoản vay mua xe. Sử dụng bảng tính cho vay mua ô tô tại consumerfinance.gov để theo dõi các điều khoản cho vay và so sánh các lựa chọn của quý vị. Mang bảng tính này đến ngân hàng, liên hiệp tín dụng, bên cho vay khác và đại lý để quý vị có thể so sánh các lựa chọn vay và có được giao dịch tốt nhất cho mình.

    Tìm khoản vay mua xe

    Lúc này quý vị đã sẵn sàng bắt đầu tìm khoản vay. Trước khi đến đại lý, hãy thu thập thông tin cá nhân của quý vị và nên xin phê duyệt trước cho khoản vay.

    Tìm hiểu trước khi mua sẽ giúp quý vị sẵn sàng thương lượng khoản vay mua xe và giúp cho quá trình này bớt căng thẳng hơn.

    Thu thập thông tin cá nhân của quý vị

    Khi quý vị đến ngân hàng, liên hiệp tín dụng, hoặc đại lý, hãy đảm bảo thu thập mọi thông tin quý vị sẽ cần đến. Các bên cho vay sẽ thường yêu cầu thông tin này trong đơn xin vay:

    • Tên
    • Số An Sinh Xã Hội hoặc ITIN
    • Ngày sinh
    • Địa chỉ hiện tại và trước đây và thời gian lưu trú
    • Hãng sở hiện tại và trước đây và thời gian tuyển dụng
    • Nghề nghiệp
    • Các nguồn thu nhập
    • Tổng thu nhập gộp hàng tháng
    • Thông tin tài chính về các tài khoản tín dụng hiện tại, bao gồm các khoản nợ khác

    Xin phê duyệt trước cho khoản vay

    Khi nhận đề nghị vay được phê duyệt trước hoặc báo giá với số tiền vay tối đa và lãi suất từ một ngân hàng, liên hiệp tín dụng, hoặc bên cho vay khác là một bước khởi đầu đúng đắn. Nếu quý vị mang theo báo giá khoản vay từ một bên cho vay đến đại lý, quý vị có thể có vị thế thương lượng mạnh hơn để có được một giao dịch tốt hơn, cho dù quý vị bám theo đề nghị quý vị mang theo hay quyết định chấp nhận đề nghị tài trợ của đại lý.

    Việc phê duyệt trước cũng giúp quý vị không vượt quá ngân sách của mình và cho phép so sánh các lãi suất mà không bị áp lực thời gian khi ở tại đại lý. Sau đó, tại đại lý, quý vị có thể tập trung nhiều vào giá thực tế của chiếc xe và xe muốn bán lại cho đại lý bởi quý vị đã biết rõ các điều khoản vay có thể nhận được. Quý vị vẫn sẽ có cơ hội thương lượng một khoản vay tốt hơn tại đại lý và không sử dụng sự phê duyệt trước của mình.

    Nếu đơn của quý vị được phê duyệt trước, bên cho vay sẽ cung cấp cho quý vị giấy tờ để mang đến đại lý. Một khi quý vị sẵn sàng mua, đại lý sẽ thực hiện các dàn xếp cuối cùng với bên cho vay của quý vị.

    Hiểu rõ việc tìm một khoản vay ảnh hưởng thế nào đến điểm tín dụng của quý vị

    Việc tìm giao dịch tốt nhất cho khoản vay mua xe sẽ có ít hoặc không có ảnh hưởng đến điểm tín dụng của quý vị. Lợi ích của việc tìm khoản vay sẽ cao hơn nhiều so với bất kỳ sự ảnh hưởng nào với tín dụng của quý vị. Trong một số trường hợp, việc đăng ký nhiều khoản vay trong thời gian dài có thể làm giảm điểm tín dụng. Tùy vào mô hình tính điểm tín dụng được dùng, thường thì các yêu cầu hay thắc mắc của các bên cho vay này về điểm tín dụng của quý vị, diễn ra trong khoảng thời gian từ 14 đến 45 ngày sẽ chỉ được tính là một lần yêu cầu thôi. Điều này có nghĩa là việc tìm một khoản vay mua xe trong khoảng thời gian đó sẽ được tính giống như khi nộp đơn xin chomột khoản vay. Quý vị có thể giảm đi ảnh hưởng xấu với điểm tín dụng của mình bằng cách thực hiện tất cả hoạt động tìm hiểu lãi suất trong một khoảng thời gian ngắn.

    Nắm rõ các quyền của quý vị

    Bên cho vay không được ngăn cản hay từ chối đơn xin vay của quý vị, hoặc đề nghị các giá khác nhau hay các điều khoản và điều kiện vay khác, dựa trên chủng tộc, màu da, tôn giáo, xuất xứ quốc gia, giới tính, tình trạng hôn nhân, tuổi tác, việc nhận thu nhập trợ cấp công, hoặc có ý thực hiện bất kỳ quyền nào theo Đạo Luật Bảo Vệ Tín Dụng Người Tiêu Dùng.

    Quý vị có thể nộp khiếu nại trực tuyến cho Ủy Ban Thương Mại Liên Bang (FTC) tại reportfraud.ftc.gov Hoặc nộp cho Cục Bảo Vệ Tài Chính Người Tiêu Dùng (CFPB) tại consumerfinance.gov/complaint hoặc gọi số miễn cước 1-855-411-CFPB (2372).

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    如果您無法支付您的信用卡， 請盡快採取行動

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    如果您認為自己無法支付信用卡的最低還款金額，請馬上行動，並立即致電您的信用卡公司。

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    如果您面臨緊急財務狀況，許多信用卡公司可能願意提供幫助。您不需要等到付款逾期才尋求幫助！

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    不要忽視出現的問題

    那可能只會造成更大的問題，例如：

    • 更高的利率
    • 更高的最低付款额
    • 失去刷卡權限
    • 滯納費
    • 損害您的信用等級分數

    以下是應採取的行動

    1. 將您的收入和開支相加

    尋找減少支出的方法。如果找不到足夠的錢來支付最低還款額，那就決定您能支付多少金額。

    2. 致電您的信用卡公司

    請務必清楚解釋：

    • 您為何無法支付最低限額
    • 您能夠支付多少金額
    • 您什麼時候能夠重新開始正常付款

    3. 考慮信用諮詢

    如果您需要更多幫助，非營利信用諮詢機構可以教導您更多有關理財的知識。

    在您簽約獲取信用諮詢服務之前，請先詢問是否會收費、收費金額以及提供哪些服務。請確保您的信用諮詢顧問會花時間瞭解您的財務狀況，並提供幫助，讓您能知道如何加以改善。

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    沒有一蹴而就的解決方案。

    一些以營利為目的的債務減免公司會聲稱，他們可以幫助您以「一分錢還一美元」來償還債務。然而，很多時候，這些承諾並不會兌現。請留意債務減免機構是否有以下任何特徵：

    • 在解決您的債務之前先收取費用
    • 保證他們可以讓您的債務消失
    • 告訴您停止與貸款機構或信用卡公司溝通
    • 告訴您停止支付信用卡或貸款的款項
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    Auto loan key terms (in Chinese)
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    汽車貸款重要術語

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    有效現金價值（英文簡稱為 ACV）(Actual Cash Value - ACV)

    有效現金價值（英文簡稱為 ACV）是根據廣泛認可的獨立來源（例如全美汽車經銷商協會 或凱利藍皮書 ）得出的車輛價值。

    更多資料見 (英文)

    分期償還 (Amortization)

    分期償還描述逐漸還清汽車貸款的程序。在分期償還貸款中，對於您的每月付款，一部分用於支付貸款金額（本金），一部分用於支付融資費用（利息）。

    更多資料見 (英文)



    年利率（英文簡稱爲 APR）(Annual Percentage Rate - APR)

    年利率（英文簡稱為 APR）是您每年為借款支付的費用，包括以百分率表示的收費。APR 是衡量您借款成本的更廣泛的指標，因為它不僅反映利率，還反映您為獲得貸款而必須支付的費用。APR 越高，您在貸款期限內支付的金額就越多。

    汽車貸款的 APR 和利率是您為借款支付的價格中最重要的兩個衡量指標。聯邦《誠信借貸法》（英文簡稱為 TILA）要求貸方在您對貸款承擔法律義務之前向您提供有關重要條款（包括 APR）的具體披露。由於所有貸方都必須提供 APR，因此您可以根據 APR 比較汽車貸款。請確保您將 APR 與 APR 進行比較，而不是與利率進行比較。



    受讓人 (Assignee)

    受讓人是購買您的汽車貸款的個人或公司。例如，向您提供信貸的汽車經銷商可能會將您的貸款出售給銀行，使銀行成為受讓人。您欠購買您的貸款的任何方的錢款。受讓人對車輛享有留置權，如果您不付款，可以收回車輛。



    基本價格 (Base price)

    基本價格是沒有選項的車輛價格。

    更多資料見 (英文)



    購買利率 (Buy rate)

    購買利率是當您申請經銷商安排的融資時，潛在貸方向您的經銷商報出的利率。

    更多資料見 (英文)



    聯署人 (Co-signer)

    聯署人是承諾在您不償還貸款時保證償還貸款的人，例如父母、親密的家庭成員或朋友。這對您和您的貸方都有好處。聯署人全權負責償還貸款。在您的貸款中有聯署人可以向您的貸方提供額外的保證，即貸款將得到償還。如果您不償還貸款，您的聯署人將負責還款，即使該聯署人從未駕駛過您的車輛。如果要求您聯署一筆貸款，您應該考慮這將如何影響您的財務狀況。



    信用保險 (Credit insurance)

    信用保險是一種供選用的保險，它可以讓您在某些情況下向貸方支付汽車貸款，例如您去世或殘障。 如果您正在考慮信用保險，請確保您了解所提供的保單條款。如果您決定需要保險，可能有比購買信用保險並將其添加到您的汽車貸款中更便宜的方式來獲得承保。例如，人壽保險可能比信用人壽保險便宜，並允許您的家人還清您的汽車貸款以外的其他費用。



    債務取消或暫停產品 (Debt cancellation or suspension products)

    一些汽車經銷商以及銀行和信用合作社以各種名義提供「債務取消」和「債務暫停」產品或保險。這些產品在功能上與信用保險類似，但費用和其他特點可能有所不同。

    更多資料見 (英文)



    清償抵押貸款餘額 (Deficiency balance)

    如果您的車輛被收回並出售，您可能需要支付剩餘貸款金額（加上收回費用）與銷售價格之間的差額。這稱為「清償抵押貸款餘額」。



    首付款 (Down payment)

    首付款是您為車輛總成本支付的初始頭期款。您的首付款可以是現金、以舊換新的價值，或二者兼有之。您的首付款越多，您需要借貸的款項就越少。較高的首付款也可能會減少您的每月付款和總融資成本。



    延長擔保或車輛維修合約 (Extended warranty or vehicle service contract)

    延長擔保或車輛維修合約為製造商擔保或擔保期結束後的某些類型的維修費用提供承保。

    更多資料見 (英文)



    融資保險部 (Finance and insurance department)

    如果您在經銷商處購買車輛，銷售員可能會將您轉介給融資保險部（英文簡稱爲 F&I）或業務辦公室的人員。這是經銷業務的一部分，在客戶同意在經銷商處購買車輛後，向客戶推銷貸款和供選用附加服務。

    更多資料見 (英文)



    固定利率融資 (Fixed-rate financing)

    固定利率融資表示您的貸款利率在貸款期限內不會改變。對於固定利率，您可以查看每個月的還款額以及您將在貸款期限內支付的總額。如果您在尋找不會改變的貸款付款，您可能會選擇固定利率融資。固定利率融資是一種融資方式。另一種類型是可變利率融資。



    強制保險 (Force-placed insurance)

    為了獲得購買車輛的貸款，您必須為車輛本身投保。如果您未能獲得保險或者讓您的保險失效，合約通常賦予貸方獲得車輛保險的權利。這種保險稱為「強制保險」。

    更多資料見 (英文)



    擔保汽車保護（英文簡稱爲 GAP）保險 (Guaranteed Auto Protection (GAP) insurance)

    GAP 保險承保您欠汽車貸款的金額與您的車輛被盜、損壞或報廢時保險支付金額之間的差額。您不必購買該保險，但如果您決定需要這種保險，請貨比三家。貸方可能會為該產品設置不同的價格。



    利率 (Interest rate)

    汽車貸款利率是您每年為借款而支付的成本，以百分率表示。利率不包括貸款收取的費用。

    汽車貸款的 APR 和利率是您為借款支付的價格中最重要的兩個衡量指標。聯邦《誠信借貸法》（英文簡稱為 TILA）要求貸方在您對貸款承擔法律義務之前向您提供有關重要條款（包括 APR）的具體披露。由於所有貸方都必須提供 APR，因此您可以根據 APR 比較汽車貸款。確保您將 APR 與 APR 進行比較，而不是與利率進行比較。



    貸款期限 (Loan term or duration)

    這是您的汽車貸款期限，通常以月為單位。較短的貸款期限（您有較少的每月付款月數）將降低您的總貸款費用。較長的貸款可以減少您的每月還款額，但您在貸款期限內需要支付更多的利息。較長的貸款還會使您面臨負資產的風險，即出現您欠車輛的錢款超過車輛價值的情形。



    貸款價值比 (Loan term or duration)

    貸款價值比（英文簡稱為 LTV）是您貸款的總美元價值除以您的車輛的實際現金價值（英文簡稱為 ACV）。這通常以百分率表示。您的首付款會降低貸款的貸款價值比。

    更多資料見 (英文)



    強制約束仲裁 (Mandatory binding arbitration)

    透過簽署具有強制約束仲裁條款的合約，您同意由仲裁員而不是法院裁決解決有關合約的任何爭議。您也可以同意放棄其他權利，例如您對決定提出上訴或加入集體訴訟的能力。

    更多資料見 (英文)



    製造商獎勵 (Manufacturer incentives)

    製造商獎勵是特殊交易，例如您可能看到的推銷新車廣告的 0% 融資或現金回扣。通常，這些僅適用於某些型號。

    更多資料見 (英文)



    製造商建議零售價（英文簡稱爲 MSRP）(Manufacturer Suggested Retail Price - MSRP)

    製造商建議零售價（英文簡稱爲 MSRP）是汽車製造商（簡稱「製造商」）建議經銷商索要的車輛價格。

    更多資料見 (英文)



    負資產 (Negative equity)

    如果您當前的汽車貸款欠款超過車輛價值（稱為「倒置」），您的資產就是負資產。換言之，如果您嘗試出售您的車輛，您將無法收回您已經欠付的錢款。例如，假設您欠 10,000 美元的汽車貸款，而您的車輛現在價值 8,000 美元。這意味著您有 2,000 美元的負資產。如果您想將您的車輛以舊換新，並申請汽車貸款購買新車，則需要還清負資產。



    無信用審查或「在這裡購買，在這裡付款」汽車貸款 (No credit check or "buy here, pay here" auto loan)

    經銷商提供一種「無信用審查」或「在這裡購買，在這裡付款」的汽車貸款，這通常是向沒有信用或信用不佳的借款人提供的「内部」汽車貸款融資。

    更多資料見 (英文)



    本金 (Principal)

    本金是您最初同意償還的錢款。

    通常，汽車貸款的任何付款都將首先用於支付任何到期費用（例如滯納金）。接下來，您付款中的剩餘資金將用於支付任何到期利息，包括逾期未付的利息（如適用）。然後，您還款的其餘部分將用於支付您的貸款的本金餘額。



    基於風險的定價 (Risk-based pricing)

    當貸方根據消費者無法償還貸款的估計風險向不同的消費者提供不同的利率或其他貸款條款時，就會出現基於風險的定價。

    更多資料見 (英文)



    總成本 (Total cost)

    這是您在貸款期限內購買車輛所需支付的金額，包括本金、利息和任何首付款或以舊換新費用。



    誠信借貸披露 (Truth in Lending disclosure)

    聯邦《誠信借貸法》（英文簡稱為 TILA）要求借款人在依法支付貸款之前收到有關重要信用條款的書面披露資料。詳細了解您的 TILA 披露中包含的資訊以及您應當何時收到和查看這些資訊。



    可變利率融資 (Variable-rate financing)

    可變利率融資是指您的貸款利率可以根據最優惠利率或稱為「指數」的另一種利率而變化。對於可變利率貸款，貸款利率會隨著指數利率的變化而變化，這意味著利率可能會上升或下降。因為您的利率會上升，因此您的每月付款也會上升。貸款期限越長，可變利率貸款對借款人的風險就越大，因為利率上升的時間更長。 可變利率融資是一種融資方式。另一種類型是固定利率融資。



    供應商單向利益（英文簡稱為 VSI）保險 (Vendor's Single Interest (VSI) insurance)

    在車輛損壞或毀壞的情況下，VSI 保險保護貸方，但不保護您。

    更多資料見 (英文)

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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/language/zh/bank-accounts-key-terms/index.html b/www.consumerfinance.gov/language/zh/bank-accounts-key-terms/index.html new file mode 100644 index 000000000000..1bebef0eaea5 --- /dev/null +++ b/www.consumerfinance.gov/language/zh/bank-accounts-key-terms/index.html @@ -0,0 +1,1491 @@ + + + + + + + 銀行帳戶重要術語 | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + + 略過至主要內容 + +
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    + An official website of the + United States government +
    +
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    + + + (855) 411-2372 + +
    +
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    + +
    + + + Submit a Complaint + +
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    + + 搜索 + +
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    Bank accounts key terms (in Chinese)
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    銀行帳戶重要術語

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    自動結算所（英文簡稱為 ACH）(Automated Clearing House - ACH)

    自動結算所（英文簡稱為 ACH）授權是一種付款授權，允許貸方在您的付款到期時以電子方式從您的銀行、信用合作社或預付卡帳戶中提取資金。您可以撤銷此授權。

    自動借記付款 (Automatic debit payment)

    使用自動借記，您允許公司直接從您的銀行帳戶中提取款項。這與您的銀行提供的定期帳單支付功能不同。在定期帳單支付中，您允許您的銀行或信用合作社將付款發送給公司。

    定期存款（英文簡稱爲 CD）(Certificate of deposit - CD)

    定期存款或 CD 是銀行或信用合作社提供的一種特殊類型的儲蓄帳戶。通常，您必須將資金存入 CD 一段指定的時間，以免受到處罰。

    更多資料見 (英文)


    定期存款（英文簡稱為 CD）轉存 (Certificate of deposit (CD) rollover)

    CD 期限結束時可能會發生轉存或續延。

    更多資料見 (英文)

    即期匯票 (Certificate of deposit (CD) rollover)

    即期匯票允許某人在沒有您簽名的情況下從您的支票帳戶中取款。

    閲更多資料見 (英文)

    存款暫緩兌現 (Deposit hold)

    銀行或信用合作社暫緩兌現您透過支票存入的資金的時間有時稱為「存款暫緩兌現」或「支票暫緩兌現」。一些銀行或信用合作社可能會比法律要求更快地允許資金可供使用，而有些銀行或信用合作社可能在加快資金可供使用時會收取費用。

    受託人 (Fiduciary)

    受託人是為他人管理金錢或財產的人。當您被指定為受託人時，法律要求您為了該人士的利益而不是您的利益管理他/她的金錢和財產。


    財產監護人 (Guardian of property)

    財產監護人是法院指定的人，負責為法院認定無法單獨管理其金錢和財產的其他人管理金錢和財產。

    更多資料見 (英文)


    納稅人個人報稅號碼（英文簡稱為 ITIN）(Individual taxpayer identification number - ITIN)

    ITIN 是您從國稅局獲得的身份識別號碼。ITIN 僅適用於某些無法獲得社會安全號碼的非居民和外籍居民及其配偶和受撫養者。

    聯合帳戶 (Joint account)

    如果您想讓朋友或家人代表您開具支票和存款，您可以考慮開設聯合帳戶。通常，姓名在聯合帳戶上的每個人都可以開具支票、取款、交易、轉移資金或關閉帳戶。如果其中一位帳戶持有人欠款，債權人可以嘗試從聯合銀行帳戶中的錢款中收回欠款。

    貨幣市場帳戶 (Money market account)

    貨幣市場帳戶是銀行和信用合作社提供的一種特殊類型的帳戶。

    更多資料見 (英文)

    資金不足（英文簡稱爲 NSF）費用 (Non-sufficient funds (NSF) fees)

    當您的支票或電子授權因您的帳戶資金不足而未支付時，可能會產生 NSF 或資金不足費用。這通常稱為「退回」或「拒付」支票。

    透支 (Overdraft)

    當您的帳戶中沒有足夠的錢款來支付交易費用時，就會出現透支，但銀行仍然會支付交易費用。您可以透過支票、ATM 交易、借記卡購買、自動帳單支付以及電子或親自取款來透支您的帳戶。

    多家銀行和信用合作社提供透支保護計劃，在這些計劃中銀行或信用合作社通常支付交易費用並向您收取費用（除了要求償還透支金額外）。透支也可以透過關聯帳戶、信用卡或信用額度的資金轉帳來支付。

    個人信用額度 (Personal line of credit)

    個人信用額度是您不時使用的貸款。您透過電話或在網上開具特別支票或要求轉帳到您的支票帳戶。

    如同信用卡帳戶一樣，您有信用額度，每月收到帳單，至少支付最低還款額，根據未結餘額支付利息，並且可能在每次使用該帳戶時支付費用。

    與透過您的房屋抵押貸款擔保的房屋淨值抵押擔保信用額度（英文簡稱爲 HELOC）不同，個人信用額度是無擔保的。個人信用額度由銀行和信用合作社提供，通常要求您在同一機構還有一個支票帳戶。

    授權書 (Power of attorney)

    授權書（英文簡稱爲 POA）是一份允許他人代表您行事的法律文件。創建 POA 是指定替代決策者的一種方式，並且相對便宜，儘管可能需要律師的幫助。

    財務 POA 可用作一種規劃未來無行為能力的工具 — 例如，由於失智症、創傷性腦損傷或其他影響精神功能的損傷而無法做出財務決定。當用於預先規劃時，POA 通常是「持久性的」，這意味著即使創建 POA 的人失去行為能力，POA 也會繼續有效。繼續閱讀，了解有關授權書（英文簡稱爲 POA）的更多資訊。

    代理收款人 (Representative payee)

    社會安全局（英文簡稱爲 SSA）指定一個人作為另一個需要幫助管理其社會安全金或社會安全生活補助金（英文簡稱爲 SSI）福利付款的人的代理收款人。代理收款人只能管理 SSA 支付的福利支票。如果領取福利的人有自己無法管理的其他金錢或財產，則代理收款人必須具有來自其他來源的合法授權才能管理其他資金。例如，代理收款人也可以由法院指定為財產監護人。作為社會安全金代理收款人，您是受託人。

    如需了解有關代理收款人的更多資訊，請閲讀本有關管理他人錢款的指南。

    可撤銷生前信託 (Revocable living trust)

    可撤銷生前信託是一份法律文件，賦予您對信託中持有的他人金錢或財產做出決定的權利。

    更多資料見 (英文)

    社會安全金代理收款人 (Social Security representative payee)

    代理收款人由社會安全局為需要幫助管理其社會安全金或社會安全生活補助金福利付款的其他人指定。

    更多資料見 (英文)

    退伍軍人事務部認定之受託人 (VA fiduciary)

    受託人是為他人管理金錢或財產的人。退伍軍人事務部（英文簡稱爲 VA）任命退入伍軍人事務部認定之受託人為無法自行管理資金的人管理退伍軍人福利。

    更多資料見 (英文)

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    +
    + + 略過至主要內容 + +
    +
    +
    +
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    + +
    + An official website of the + United States government +
    +
    +
    + + + (855) 411-2372 + +
    +
    +
    +
    +
    + +
    + + + Submit a Complaint + +
    +
    +
    + + 搜索 + +
    + + +
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    + +
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    Credit card key terms (in Chinese)
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    信用卡重要術語

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    年利率（英文簡稱爲 APR）(Annual percentage rate (APR))

    APR 或年利率是比較貸款成本的標準方法。它允許您在「同類」的基礎上比較貸款產品的成本。在您同意使用信用卡之前，您的信用卡公司必須披露 APR。

    如需計算 APR，將利率和費用與您借入的金額進行比較，並按照一年期計算。這允許您將信用卡的成本與六個月分期付款貸款進行比較。這也是 APR 通常不同於簡單利率的原因。

    餘額結轉 (Balance transfer)

    餘額結轉可允許您將未結餘額從一張信用卡轉到另一張信用卡，有時需要付費。費用通常是您結轉金額的一定百分比或固定金額，以較高者為準。很多信用卡公司提供零利率或低息餘額結轉，吸引您將債務合併到一張信用卡上。大多數餘額結轉的促銷利率持續時間有限。此後，您的新信用卡的利率可能會上升，從而增加您的還款金額。

    如果您延遲付款超過 60 天，信用卡公司可以提高您的所有餘額的利率，包括結轉餘額。

    信用餘額 (Credit balance)

    帳單上的信用餘額是發卡機構欠您的金額。

    每次付款時，信用積分都會添加到您的帳戶中。當您退回使用信用卡購買的商品時，或者由於您獲得的獎勵或先前帳單中的錯誤，也可能會添加信用積分。如果信用總額超過您欠的金額，您的對帳單將顯示信用餘額。

    更多資料見 (英文)


    每日週期率 (Daily periodic rate)

    一些發卡機構使用每日週期利率計算帳戶利息，該利率用於透過將利率乘以一天結束時的欠款額來計算利息。然後將此利息金額添加到前一天的餘額中，這意味著利息每天都會按照復利計算。

    寬限期 (Grace period)

    寬限期是計費週期結束與您的付款到期日之間的時間段。在此期間，只要您在到期日之前全額支付餘額，就不會向您收取利息。信用卡公司不需要給予寬限期。但是，大多數信用卡都提供購物寬限期。

    更多資料見 (英文)

    利率 (Interest rate)

    信用卡的利率是您為借錢支付的費用。信用卡的利率通常以年率表示，稱為年利率（英文簡稱爲 APR）。對於大多數信用卡，如果您每個月在到期日之前全額支付餘額，就可以避免支付利息。

    預篩選信用卡承諾 (Prescreened credit card offer)

    預篩選信用卡優惠是指信用卡公司使用信用報告公司的資訊，如果您的信用記錄符合信用卡公司選擇的標準，就向您提供確定的信用承諾。

    更多資料見 (英文)


    未經授權使用 (Unauthorized use)

    通常，未經授權使用指無權使用信用卡的人使用信用卡。例如，如果您丟失了您的信用卡，有人發現並使用了您的信用卡，這將是未經授權使用。

    更多資料見 (英文)

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    +
    + + 略過至主要內容 + +
    +
    +
    +
    +
    + +
    + An official website of the + United States government +
    +
    +
    + + + (855) 411-2372 + +
    +
    +
    +
    +
    + +
    + + + Submit a Complaint + +
    +
    +
    + + 搜索 + +
    + + +
    + +
    +
    +
    +
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    + +
    + +
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    Credit reports and scores key terms (in Chinese)
    +

    信用報告和評分重要術語

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    信用查詢 (Credit inquiry)

    查詢是指查看您的信用檔案的請求，通常為兩種查詢類型之一。

    更多資料見 (英文)

    信用隱形 (Credit invisible)

    2015 年，我們發佈了一份報告，發現 2,600 萬美國人「信用隱形」。這個數字表明，十分之一的成年人在全國三大信用報告公司之一沒有任何信用記錄。另有 1,900 萬名消費者擁有「無法評分的」信用檔案，這意味著他們的檔案不足和信用記錄不足（990 萬人），或者他們的檔案陳舊且缺乏任何近期信用記錄（960 萬人）。總之，有 4,500 萬名消費者可能因為沒有可評分的信用記錄而無法獲得信貸。信用隱形或無法評分的人通常無法獲得優質信貸，可能會面臨從嘗試獲得信貸到租賃公寓等一系列問題。

    信用監控服務 (Credit monitoring service)

    信用監控服務是一項商業服務，向您收取費用，以便觀察您的信用報告，並提醒您信用報告中所列帳戶的變化。

    更多資料見 (英文)


    信用報告 (Credit report)

    信用報告是一份陳述，其中包括有關您的信用活動和當前信用狀況的資訊，例如貸款支付記錄和您的信用帳戶狀態。

    信用報告公司 (Credit reporting company)

    信用報告公司（亦稱為信用局或消費者報告機構）是編制和銷售信用報告的公司。

    信用等級分數 (Credit score)

    信用等級分數可以預測您按時償還貸款的可能性。公司使用一種稱為評分模型的數學公式，根據您的信用報告中的資訊創建您的信用等級分數。重要的是要了解您不只有「一個」信用等級分數，您和貸方可以使用多個信用等級分數。任何信用等級分數都取決於用於計算評分的資料，並且可能因評分模型、信用記錄來源、貸款產品類型、甚至計算日期不同而異。

    《公正信用報告法》(Fair Credit Reporting Act)

    聯邦《公正信用報告法》（英文簡稱爲 FCRA）促進消費者報告機構檔案中的資訊準確性、公平性和隱私性。有多種類型的消費者報告機構，其中包括信用局和專業機構（例如，出售有關支票開具記錄、醫療記錄和租賃記錄的機構）。了解有關 FCRA 規定的您的主要權利 的更多資訊。


    FICO 信用得分 (FICO score)

    FICO® 信用得分是一種特別的信用等級分數品牌。

    更多資料見 (英文)


    欺詐警報 (Fraud alert)

    欺詐警報要求查看您的信用報告的債權人在開設新帳戶、發放附加卡或根據消費者的要求增加現有帳戶的信用額度之前採取措施驗證您的身份。當您在全國信用報告公司之一的信用報告中放置欺詐警報時，該信用報告公司必須通知其他公司。有兩種主要類型的欺詐警報：首次欺詐警報和延長警報。



    身份監控或身份盜用保護 (Identity monitoring or identity theft proection)

    身份盜用服務監控信用申請、公共記錄、網站和其他地點的可識別個人身份的資訊，以便發現任何可能是身份盜用跡象的異常活動。

    更多資料見 (英文)



    身份盜用 (Identity theft)

    當有人竊取您的身份以進行欺詐時，就發生身份盜用。竊取您的身份可能意味著未經您的許可使用個人資訊，例如：

    • 您的姓名
    • 社會安全號碼
    • 信用卡號碼


    現役軍人警報 (Identity theft)

    軍人（例如海軍陸戰隊、陸軍、海軍、空軍和海岸警衛隊成員）可以請求設置現役軍人警報。當您在您的信用報告中設置現役軍人警報後，債權人必須採取合理措施確保提出請求的人確實是您，然後才能開設帳戶、在現有帳戶中發放附加信用卡或提高您的現有帳戶的信用額度。現役軍人警報持續 12 個月。您的姓名也將從全國信用報告公司的信用承諾和保險預篩選行銷名單中刪除兩年時間。


    已付費債務追收 (Paid collection)

    已付費債務追收是因為逾期未付債務而被追收、後來付款的帳戶。

    更多資料見 (英文)


    安全凍結 (Security freeze)

    您的信用報告中的「安全凍結」會阻止新債權人查看您的信用檔案，並阻止其他人以您的名義開設帳戶，直到您解除凍結。因為大多數企業不會在不查看您的信用報告的情況下開設信用帳戶，凍結可阻止身份竊賊以您的名義開設新帳戶。


    專門消費者報告公司 (Specialty consumer reporting company)

    專門消費者報告公司收集和分享有關您的受聘記錄、與企業的交易記錄或特定產品或服務還款記錄的資訊。


    租戶篩選報告 (Tenant screening report)

    房東用來幫助對可能的租戶做出決定的報告。租戶篩選報告可能包括來自多種來源的資訊，包括您的租賃記錄和信用報告。

    更多資料見 (英文)


    信用檔案不足/無信用檔案 (Thin credit file / No credit file)

    信用檔案不足或無信用檔案意味著個人沒有信用記錄或當前信用記錄不足，無法產生信用等級分數。請參閲：信用隱形

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    Debt collection key terms (in Chinese)
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    債務追收重要術語

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    信用顧問 (Credit counselor)

    信用顧問可在以下方面提供幫助：

    • 在管理您的金錢和債務方面提供建議
    • 幫助您制定預算
    • 通常提供免費教育資料和舉辦研討會

    通常， 信用顧問 在消費者信貸、金錢和債務管理以及編制預算方面經過認證和培訓。顧問會與您討論您的整體財務狀況，並幫助您制定個人化計劃，解決您的財務問題。

    債務追收規則 (Debt Collection Rule)

    消費者金融保護局（英文簡稱爲 CFPB）發佈了於 2021 年 11 月 30 日生效的「規則」，闡明和解釋了聯邦《公平債務追收慣例法》（英文簡稱為 FDCPA）。

    更多資料見 (英文)

    債務追收人/債務追收公司 (Debt collector)

    根據聯邦《公平債務追收慣例法》，債務追收人/債務追收公司通常是定期追收欠他人債務（通常是逾期債務）的個人或公司。

    債務追收人/債務追收公司包括債務追收機構或律師，他們將追收債務作為其業務的一部分。還有一些公司從債權人或其他企業那裡購買逾期債務，然後嘗試收回這些債務。這些債務追收人也稱為債務追收機構、債務追收公司或債務購買人。




    債務清償（減免）服務 (Debt settlement (relief) services)

    債務清償公司是指自稱可以重新談判、清償或以某種方式改變某人對債權人或債務追收人/債務追收公司的債務期限的公司。與債務清償公司打交道可能存在風險。

    更多資料見 (英文)

    《公平債務追收慣例法》（英文簡稱為 FDCPA）(Fair Debt Collection Practices Act (FDCPA))

    《公平債務追收慣例法》（英文簡稱為 FDCPA）是管理債務追收慣例的主要聯邦法律。FDCPA 禁止債務追收公司使用濫用、不公平或欺騙性的方法向您追收債務。 閲讀更多 有關您根據 FDCPA 享有的權利。

    扣押 (Garnishment)

    工資或銀行帳戶扣押 發生在債權人從您的銀行帳戶中提取您的部分薪水或金錢，以追收您的欠款。扣押通常需要有根據 裁決.扣押通常需要有根據裁決產生的法院命令。然而，即使沒有裁決，欠政府的某些債務也可能導致扣押。

    州和聯邦法律對銀行帳戶和工資扣押有限制或「豁免」，通常是為了確保您有維持生計的剩餘資金。如果不能合法扣押您的工資，但債務追收人威脅說將扣押您的工資，這也違反了《公平債務追收慣例法》（英文簡稱為 FDCPA）。



    債務追收人騷擾 (Harassment by a debt collector)

    《公平債務追收慣例法》（英文簡稱為 FDCPA）規定，債務追收人不得騷擾、壓迫或虐待您或他們聯繫的任何其他人。

    債務追收人的騷擾可能有不同的形式。其中包括反复打電話，旨在侵犯、辱罵或騷擾您或任何接聽電話的人；使用淫穢或褻瀆的語言；暴力或傷害威脅；公佈拒絕償還債務的人名單（不包括向信用報告公司報告資訊）；並在打電話時不告訴您他們是誰。




    裁決 (Judgment)

    裁決是法庭訴訟的正式結果。在債務追收訴訟中，法官可能會向債權人或 債務追收人/債務追收公司 下達對您不利的裁決。如果您不回應法律投訴，您將失去為自己辯護的機會，並且您可能會發現下達對您不利的裁決。

    如果有人起訴您，或者有人獲得了對您不利的裁決，您不確定該怎麼做，請諮詢律師。一些律師可能會提供免費服務或收取較低的費用。如果您符合某些條件，您所在地區可能還有 法律援助事務所 或法律事務所，他們將免費提供服務。現役軍人應當諮詢 當地軍法署署長（英文簡稱為 JAG）辦公室。


    內容有限制的留言 (Limited-Content Message)

    根據债务追收規則，這是發給消費者的語音留言，必須包含某些要求提供的資訊，並且可能包含其他供选用內容。

    更多資料見 (英文)

    原始債權人 (Limited-Content Message)

    通常，原始債權人是向您發放貸款或信貸的公司。原始債權人可能會嘗試自己追收逾期未付的信用帳戶債務，也可能會聘請債務追收人/債務追收公司。原始債權人也可能將您的信用帳戶出售給債務追收人/債務追收公司。債務追收人/債務追收公司通常是專門追收您的帳戶債務的第三方，或者是從原始債權人或其他債務追收人/債務追收公司或債務購買者處購買債務的人。

    訴訟時效 (Statute of limitations)

    訴訟時效是債權人或債務追收人/債務追收公司必須 提起訴訟 以追回債務的有限時段。大多數訴訟時效在三到六年的範圍內，儘管在某些司法管轄區該時效可能會延長更長時間。訴訟時效可能因州法、您的債務類型或您的信貸協議中指定的州法不同而異。

    驗證通知 (Validation Notice)

    債務追收人/債務追收公司在首次與消費者溝通時或之後不久需要提供某些資訊。當債務追收人/債務追收公司以電子或書面形式提供此類要求提供的資訊時，稱為驗證通知。

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    + + 略過至主要內容 + +
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    + An official website of the + United States government +
    +
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    + + + (855) 411-2372 + +
    +
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    + +
    + + + Submit a Complaint + +
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    + + 搜索 + +
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    Fraud and scams key terms (in Chinese)
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    欺詐和詐騙重要術語

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    老年人財務剝削 (Elder financial exploitation)

    老年人財務剝削是指非法或不當使用老年人的資金、財產或資產。這是最常見的虐待老人的方式，但只報告了一小部分此類事件。

    犯罪者可能是獲得老年人信任的陌生人，也可能是家人或朋友。了解警告跡象很重要。 閲讀更多内容

    止贖救濟騙局 (Foreclosure relief scam)

    止贖救濟和抵押貸款修改詐騙是騙取您的錢款或房屋的陰謀 — 通常是透過做出使您免於喪失抵押品贖回權的虛假承諾。這些騙子可能會預先索要錢款，並聲稱保證您可以更改抵押貸款條款。如果您在支付抵押貸款時遇到困難，住宅與城市發展部（英文簡稱為 HUD）批准的住房諮詢機構可以免費為您提供各種選擇。

    預防欺詐警報 (Fraud alert for prevention)

    欺詐警報可用於降低您成為新帳戶身份盜用受害者的可能性。欺詐警報要求查看您的信用報告的債權人在開設新帳戶、發放附加卡或增加現有帳戶的信用額度之前採取措施驗證您的身份。當您在全國信用報告公司之一的信用報告中放置欺詐警報後，該信用報告公司必須通知其他信用報告公司。

    有兩種主要類型的欺詐警報：首次欺詐警報和延長警報。軍人還有一種額外的選擇 — 現役軍人警報，可在服役期間為現役軍人提供保護。

    閲更多資料見 (英文)


    受託人欺詐 (Fraud by fiduciaries)

    受託人是管理他人金錢或財產的人。例如，透過委託書任命的代理人和法院指定的監護人都是受託人。

    當您被指定為受託人時，法律要求您為了該人士的利益而不是您的利益管理該人士的金錢和財產。當受託人為了自身的利益而花錢時，就可能是欺詐。

    身份盜用 (Identity theft)

    當有人竊取您的身份進行欺詐時，就發生了身份盜用。

    竊取您的身份可能意味著未經您的許可使用個人資訊，例如您的姓名、社會安全號碼、銀行帳戶資訊或信用卡號碼。聯邦貿易委員會提供資訊 防止和應對身份盜用。

    冒名頂替者詐騙 (Imposter scams)

    冒名頂替詐騙者試圖透過偽裝成您認識的或信任的人（例如，治安官、地方、州或聯邦政府雇員或慈善組織）來說服您匯款。請記住，來電顯示是可以偽造的。您可以隨時致電該組織或政府機構，查詢該人士是否為他們工作，然後再匯款。

    郵件欺詐 (Mail fraud)

    郵件欺詐信件看起來像是真的，但承諾是假的。一個常見的警告跡象是來信要求您立即匯款或提供個人資訊，以便在匯款或提供資訊後獲得有價值的東西。


    網路釣魚 (Phishing)

    在網路釣魚中，詐騙者冒充企業或個人誘騙您提供您的個人資訊，例如密碼、信用卡號或銀行帳戶資訊。詐騙者可能會使用欺詐性電子郵件、短信或網站來竊取您的這些資訊。這些電子郵件看起來像真實的郵件。


    安全凍結預防 (Security freeze for prevention)

    安全凍結會阻止新的債權人查閲您的信用檔案，並阻止其他債權人以您的名義開設需要信用檢查的帳戶，直到您解除凍結。

    因為大多數企業不會在不查看您的信用報告的情況下開設信用帳戶，凍結可以阻止身份竊賊以您的名義開設新帳戶。請注意，凍結不能阻止身份竊賊接管現有帳戶。

    更多資料見 (英文)



    僞裝哄騙 (Spoofing)

    當撥號者偽裝您的來電顯示上的資訊時，就會發生僞裝哄騙。這使撥號者能夠偽裝姓名和/或號碼，使其看起來好像是從特定位置撥號的某個人。



    電匯或轉帳欺詐 (Wire or money transfer fraud)

    一些騙子會誘騙您透過電匯或轉帳的方式來竊取您的錢財。電匯欺詐的一個常見例子是「祖父母詐騙」。這是當騙子冒充孫子/孫女或孫子/孫女的朋友打電話說他們在國外或遇到某種麻煩，需要立即給他/她電匯或匯款。

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    + + + (855) 411-2372 + +
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    How to avoid foreclosure (in Chinese)
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    如何避免止贖

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    當您在支付抵押貸款方面發生困難時，您能做的最重要的事情就是掌握主導權。在多數情況下，無所作為往往是最糟糕的選擇。掌握主導權意味著採取四個步驟：

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    1. 撥打或是接聽電話以尋求幫助

    透過接聽抵押貸款服務商的電話來掌握主導權。更好的做法是，一旦您知道自己無法支付每月貸款，請盡快打電話給您的抵押貸款服務商。電話號碼列於您的每月帳單上。向抵押貸款服務商說明您無法支付每月貸款的原因，並請求其協助以避免止贖。

    2. 尋求免費專家協助

    如果您在償還貸款方面遇到麻煩，您的抵押貸款服務商可能會提供幫助。如果您無法從您的抵押貸款服務商那裡得到您所需的幫助，請向您附近的住房諮詢機構尋求專家協助。諮詢顧問可以制定定制行動計劃，幫助您與您的抵押貸款公司合作。請查閲網站 consumerfinance.gov/mortgagehelp，或撥打 (800) 569-4287 並輸入您的郵遞區號，尋找住房與城市發展部（HUD）批准的住房顧問。

    3. 打擊詐騙行為

    騙子們試圖誘騙那些陷入困境的房主，向他們收取高額費用（有的甚至高達數千美元），以虛假的幫助承諾牟利。您無需向任何人支付費用來幫助您避免止贖。您所需要的幫助可以從抵押貸款服務商那裡，或者透過住房與城市發展部（HUD）批准的住房諮詢機構免費獲得。

    4. 申請援助

    您的抵押貸款服務商必須與您聯絡，向您提供準確的資訊，並告訴您可能符合資格的減損方案。減損是指抵押貸款服務商可以與您合作以避免止贖的方式。如果您及早向您的抵押貸款服務商提交一份完整的申請，您的抵押貸款服務商必須告訴您，您若必須保留住房有哪些選擇，或者告知您搬離房子可能更合理。

    住房諮詢顧問在幫助人們尋求避免止贖的解決方案方面具有豐富的經驗。他們可以幫助您瞭解您的選擇和申請援助的複雜步驟。只有在您付款逾期超過 120 天之後，您的抵押貸款服務商才能發出首次通知或提交止贖申請。此外，當您及時提交一份完整的抵押貸款援助申請時，抵押貸款服務商不能在您在接受評估或您正在執行貸款修正要求時開始止贖。所以，請立即行動，不要拖延。越早完成申請，得到的保護就越多。

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    如何辨識止贖詐騙

    止贖騙子可能會告訴您他們會挽救您的房屋免遭止贖，但實際上他們只是在騙取您的錢財。

    注意這些詐騙的警告訊號：

    • 您被要求預先付款以取得幫助。
    • 該公司保證能修正您的抵押貸款條款。
    • 該公司保證您不會失去您的房屋。
    • 您被要求簽署轉讓房屋所有權或簽署其他您不懂的文件。
    • 您被指示把您的付款寄给别人，而不是您的抵押贷款公司或抵押貸款服務商。
    • 該公司表示願意進行「法證審計」。
    • 您被告知停止支付抵押貸款。
    • 該公司表示，他們隸屬於政府，或者使用看起來像政府印章但略有不同的標誌。
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    提交涉及金融產品或服務的投訴

    每週我們都會向多家公司發送超過 10,000 份關於金融產品和服務的投訴，以便讓其作出回應。如果其他機構能提供更好地幫助，我們會將投訴發送給它們，並告知您。 大多數公司會在 15 天內作出回應。

    • 網路 （用英語講）
    • 或致電 (855) 411-2372 ，以中國人和 180 種其他語言提供幫助。致電通常在 1 分鐘內有人接聽。您的投訴將被翻譯成英文，並發送給公司進行回應。當公司作出回應時，他們通常用英文，但您可以給我們致電，以聽取翻譯後的回應。
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    + + + \ No newline at end of file diff --git a/www.consumerfinance.gov/language/zh/mortgages-key-terms/index.html b/www.consumerfinance.gov/language/zh/mortgages-key-terms/index.html new file mode 100644 index 000000000000..a7e325d6e57f --- /dev/null +++ b/www.consumerfinance.gov/language/zh/mortgages-key-terms/index.html @@ -0,0 +1,1491 @@ + + + + + + + 抵押貸款重要術語 | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + An official website of the + United States government +
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    Mortgage key terms (in Chinese)
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    抵押貸款重要術語

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    5/1 可調利率抵押貸款 (5/1 Adjustable Rate Mortgage)

    5/1 可調利率抵押貸款（英文簡稱為 ARM）或五年期 ARM 是一種抵押貸款，其中「5」是您的初始利率將保持固定不變的年數。「1」代表您的利率在最初五年期結束後調整的頻率。最常見的固定期限是 3、5、7 和 10 年，「1」是最常見的調整期限。如果您正在考慮 ARM，請務必仔細閱讀合約並提出問題。

    了解有關可調利率如何變化的更多詳情。



    償還能力規則 (Ability-to-repay rule)

    償還能力規則是大多數抵押貸款公司必須做出的合理和真誠的決定，以確保您有能力償還貸款。

    更多資料見 (英文)



    可調利率抵押貸款（英文簡稱為 ARM） (Adjustable Rate Mortgage - ARM)

    可調整利率抵押貸款（英文簡稱為 ARM）是一種利率可變化的貸款類型，通常與指數利率相關。您的每月還款額將根據貸款的初始期、利率上限和指數利率上下浮動。使用 ARM 時，利率和每月付款額可能開始時低於固定利率抵押貸款，但利率和每月付款額可能會大幅增加。

    了解有關 ARM 工作原理和注意事項的更多詳情。



    分期償還 (Amortization)

    分期償還意味著隨著時間的推移利用定期還款來償還貸款，這樣您欠的金額就會隨著每次還款而減少。大多數房屋貸款都是分期償還，但有些抵押貸款不會完全分期償還，這意味著您在還清所有款項後仍會欠款。

    一些房屋貸款只允許支付應付利息金額，或少於應付利息的金額。如果還款額少於每月到期的利息金額，則抵押貸款餘額將增加而不是減少。這稱為負攤還。在貸款期間未完全分期償還的其他貸款計劃可能要求在貸款期限結束時一次性支付大筆「大額尾付」。確保您知道您獲得的貸款類型。

    了解有關購房程序的更多詳情。



    融資額 (Amount financed)

    這表示您從貸方借入的金額減去貸方向您收取的大部分前期費用。

    更多資料見 (英文)

    年收入 (Annual income)

    年收入是抵押貸款申請中的一個因素，通常是指您一年的稅前總收入。年收入可包括來自全職或兼職工作、自營業務收入、小費、佣金、加班費、獎金或其他來源的收入。貸方將使用有關您的年收入和您現有的每月債務資訊來確定您是否有能力償還貸款。

    貸方在考慮向您提供貸款時是否會依賴特定的收入來源或金額通常取決於您是否可以合理地預期收入會持續。

    了解有關為什麼您的還款能力對貸方很重要的更多詳情。



    年利率（英文簡稱為 APR）(Annual Percentage Rate - APR)

    年利率（英文簡稱為 APR）是比利率更廣泛的借貸成本衡量標準。APR 反映了利率、任何點數、抵押貸款經紀人費用以及您為獲得貸款而支付的其他費用。因此，您的 APR 通常高於您的利率。

    了解如何比較 APR



    價值評估費 (Appraisal fee)

    價值評估費是對您計劃購買或已經擁有的房屋進行房屋價值評估的費用。房屋價值評估提供對財產價值的獨立評估。在大多數情況下，評估人的選擇和任何相關費用取決於您的貸方。

    了解有關購房程序的更多詳情。



    自動付款 (Automatic payment)

    自動付款允許您透過銀行設置定期抵押貸款付款。自動付款是確保您按時付款的一種便捷方式。



    大額尾付貸款 (Balloon loan)

    對於抵押貸款，大額尾付貸款意味著貸款有額度高於平常的一次性還款，通常在貸款期限結束時。這種一次性付款稱為「大額尾付」付款，它比您的其他付款額要高，有時甚至高得多。如果您無法支付大額尾付金額，您可能不得不再融資、賣掉您的房屋或面臨止贖。

    了解爲什麽大額尾付貸款可能有風險。



    雙週付款 (Bi-weekly payment)

    在雙週付款計劃中，抵押貸款機構每兩週收取您每月還款的一半金額，導致一年中有 26 次付款（總共每年額外付一次款）。透過支付額外款項並將您的付款用於支付本金，您可以提前還清貸款。在選擇雙週付款之前，請務必查看您的貸款期限，了解如果您這樣做是否會受到提前還款罰款。查看您的貸款機構是否對雙週付款計劃收取任何費用。您或許可以透過每年支付額外一個月抵押貸款來實現相同的目標，而無需支付費用。



    最終過戶條款文件 (Closing Disclosure)

    最終過戶條款文件是一份要求提供的五頁表格，提供有關您選擇的抵押貸款的最終詳細資訊。該表包括貸款期限、您預計的每月還款額，以及您將為獲得抵押貸款支付的費用和其他收費。

    了解如何在您的最終過戶條款文件中仔細查看有關您的貸款的所有詳細資訊是否正確。



    聯署人或共同貸款人 (Co-signer or co-borrower)

    聯署人或共同貸款人是同意承擔全部責任與您一起償還抵押貸款的人。如果您不付款，該人士有義務支付任何未付的款項，甚至是全額貸款。一些抵押貸款計劃將聯署人區分為未列入產權並且對抵押房屋沒有任何所有權權益的人。在您的抵押貸款上有聯署人或共同貸款人可為您的貸方提供額外的保證，確保貸款將得到償還。但是，如果您不償還貸款，您的聯署人或共同貸款人的信用記錄和財務將面臨風險。

    了解有關購房程序的更多詳情。



    建築貸款 (Construction loan)

    建築貸款通常是一種短期貸款，提供資金來支付建造或修復房屋的費用。

    更多資料見 (英文)



    常規貸款 (Conventional loan)

    常規貸款是指不受政府保險或擔保的任何抵押貸款（例如，聯邦住房管理局、退伍軍人事務部或農業部貸款計劃）。

    了解有關 常規貸款及其他貸款類型 的更多詳情。


    信用記錄 (Credit history)

    信用記錄是您的信用報告中顯示的信用帳戶和按時付款記錄。消費者報告公司（亦稱為信用報告公司）收集和更新有關您的信用記錄的資訊，並將其提供給其他企業，這些企業使用這些資訊做出有關您的決定。信用報告包括有關您的信用活動和當前信用狀況的資訊，例如您的貸款支付記錄和信用帳戶狀況。

    了解有關在購買住房之前查看您的信用記錄的更多詳情。



    信用報告 (Credit report)

    信用報告是一份陳述，其中包括有關您的信用活動和當前信用狀況的資訊，例如貸款支付記錄和您的信用帳戶狀況。貸方使用您的信用等級分數和信用報告中的資訊來確定您是否有資格獲得貸款以及向您提供的利率。

    了解如何索取您的信用報告。



    信用等級分數 (Credit score)

    信用等級分數可預測您按時償還貸款的可能性。公司使用一種稱為評分模型的數學公式，根據您的信用報告中的資訊創建您的信用等級分數。有不同的評分模型，因此您不會只有一個信用等級分數。您的 等級分數取決於您的信用記錄、貸款產品類型，甚至計算等級分數的日期。

    了解您可以從哪裡獲得您的信用等級分數。



    資產負債率 (Debt ratio)

    您的債務收入比是您每月支付的所有債務除以您的每月總收入。這個數字是貸方衡量您管理每月付款以償還您計劃借入的錢款能力的一種方式。

    了解如何計算您的債務收入比。



    轉讓房產以替代止贖契約 (Debt ratio)

    轉讓房產以替代止贖契約是一種安排，您自願將房屋的所有權移交給貸方，以避免止贖程序。轉讓房產以替代止贖契約可幫助您避免對抵押貸款剩餘的任何金額承擔個人責任。如果您住在需要對任何清償抵押債務餘額（即您的房產價值與您仍欠抵押貸款金額之間的差額）負責的州，您應當請求您的貸方豁免清償抵押債務餘額。如果貸方豁免清償抵押債務餘額，索取書面豁免證明，並將其保存在您的記錄中。轉讓房產以替代止贖契約是一種減損類型。



    拖欠債務 (Delinquent)

    拖欠債務是逾期未付款的另一個術語。當您錯過付款或未在到期日全額付款時，您的貸款可能會成爲拖欠債務。在您拖欠債務一段時間後，貸方或貸款機構可能會開始止贖程序。時間長短因州不同而異。

    聯邦規則也可能適用於止贖何時開始。如果您無法支付抵押貸款，了解有關您的選擇的更多資訊。

    如果您受到冠狀病毒的影響

    獲得有關抵押貸款減免選擇的更多資訊。



    要求立即清偿债务條款 (Demand feature)

    最終過戶條款文件的一项聲明為「您的貸款有要求立即清偿债务條款」，可對該條款勾选「是」或「否」。要求立即清偿债务条款允許貸方要求提前償還貸款。

    更多資料見 (英文)



    首付款 (Down payment)

    首付款是您前期支付的房屋金額。您將房屋價值的一定百分比作為首付款支付，並透過抵押貸款借入其餘部分。通常，您支付的首付款越多，您獲得的利率就越低，您的貸款獲得批准的可能性就越大。

    了解有關確定您的首付款的更多資訊。



    首付款計劃或贈款 (Down payment programs or grants)

    首付款贈款或計劃通常是指政府或非營利機構等組織向購房者提供的幫助，以幫助他們支付購房首付款。資金可以作為直接贈款提供，也可能需要償還，例如在出售房屋時償還。

    了解從哪裡可以獲得有關首付款計劃和贈款的資訊。



    定金 (Earnest money)

    定金是買方支付的押金，以表示對簽署的購房合約協議的真誠意願。該押金由賣方或第三方持有，例如房地產經紀人或產權擔保公司。如果房屋銷售最終確定或「過戶」，則可以將定金用作過戶費或首付款。如果合約是出於允許的原因終止，則將定金退還給買方。如果買方沒有真誠的表現，定金可能會被沒收，並付給賣方。

    了解有關購房程序的更多資訊。



    資產净值 (Equity)

    資產净值是您的房產目前價值金額減去您的房產任何現有抵押貸款金額。

    了解什麼是住房淨值貸款。



    代管 (Escrow)

    您的抵押貸款機構建立了代管帳戶，以支付某些與房產相關的費用，例如財產稅和房主保險。您每月付款的一部分進入該帳戶。 如果您的抵押貸款沒有代管帳戶，則直接支付與房產相關的費用。

    了解有關代管如何影響您的每月抵押貸款付款的更多資訊。



    房利美（Fannie Mae）

    聯邦國家抵押貸款協會（英文簡稱爲 FNMA）（房利美）購買並為貸款機構的抵押貸款擔保，以增加容易負擔的貸款。房利美不是聯邦機構。它是獲得聯邦住宅金融管理署（英文簡稱為 FHFA）保護的政府贊助企業。

    了解有關常規貸款的更多資訊。



    FHA 融資費 (FHA funding fee)

    聯邦住宅管理局（英文簡稱為 FHA）要求大多數獨戶計劃支付 FHA 融資費和每月保費（英文簡稱為 MIP）。這項前期抵押貸款保費有時稱為前期抵押貸款保費（英文簡稱為 UFMIP）。

    了解 FHA 抵押貸款是否適合您。



    FHA 貸款 (FHA loan)

    FHA 貸款是由聯邦住宅管理局（英文簡稱爲 FHA）監管和保險的私人貸方的貸款。FHA 貸款與常規貸款不同，因為它們允許較低的信用等級分數和低至貸款總額 3.5％ 的首付款。最高貸款金額因縣不同而異。

    了解有關該貸款和其他抵押貸款選擇。



    FHA 抵押貸款限額 (FHA mortgage limits)

    FHA 抵押貸款限額是聯邦住宅管理局（英文簡稱爲 FHA）對作為其獨戶住房抵押貸款計劃一部分擔保的合格抵押貸款的美元金額限額。這些限額因地點不同而異，每年可能會修改。

    使用 FHA 的工具查找您所在縣級貸款限額 。



    融資費用 (Finance charge)

    融資費用是您在抵押貸款的整個期限內支付的利息和貸款費用總額。

    更多資料見 (英文)



    首次購房者（英文簡稱爲 FTHB）貸款計劃 (First-time home buyers (FTHB) loan programs)

    首次購房者（英文簡稱爲 FTHB）可以使用多種不同類型的貸款計劃購買他們的第一套房屋。受歡迎的 FTHB 貸款包括聯邦住宅管理局（英文簡稱為 FHA）、美國退伍軍人事務部（英文簡稱為 VA）、美國農業部（英文簡稱爲 USDA）、房利美（Fannie Mae）和房地美（Freddie Mac）提供的低首付款計劃。一些計劃將 FTHB 定義為三年或更長時間未購房的人。

    理解您的貸款選擇。



    固定利率抵押貸款 (Fixed-rate mortgage)

    固定利率抵押貸款是一種利率在您貸款時設定的房屋貸款，在貸款期限內不會改變。

    了解有關固定利率抵押貸款如何運作以及需要考慮事項的更多資訊。



    債務償還期延展 (Forbearance)

    債務償還期延展是指您的貸款機構允許您暫時以較低的利率支付抵押貸款或暫時停止支付抵押貸款。例如，如果您最近失業、遭受災難或因疾病或受傷醫療保健費用增加，您的貸款機構可能會給予您債務償還期延展。債務償還期延展是一種減損類型。

    了解有關抵押貸款債務償還期延展的更多資訊。

    根據您擁有的貸款類型，可能會有不同的債務償還期延展選擇。您必須與您的貸款機構聯繫，請求債務償還期延展。請記住，當您的債務償還期延展結束時，您必須補足這些漏過或減少的付款。

    如果您受到冠狀病毒的影響

    獲得有關抵押貸款減免選擇的更多資訊。



    強制保險 (Force-placed insurance)

    當您沒有自己的保單或您自己的保單不符合貸款機構的要求時，您的貸款機構可能會要求強制保險。強制保險通常只保護貸方，而不保護您。貸款機構將向您收取保費。強制保險通常比自己尋找保單更昂貴。



    止贖 (Foreclosure)

    止贖是指房主未能支付抵押貸款後，貸方或貸款機構收回房產。在某些州，貸方必須上法庭才能取消您的房產贖回權（法院裁定的取消抵押品贖回權），但其他州不需要法院程序（非法院裁定的取消抵押品贖回權）。通常，如果貸方或貸款機構開始止贖程序，必須通知借款人。聯邦規則可能適用於止贖何時開始。
    如果您擔心止贖，請了解如何獲得幫助。

    如果您受到冠狀病毒的影響

    獲得有關抵押貸款減免選擇的更多資訊。



    房地美（Freddie Mac）

    聯邦住房貸款抵押公司（英文簡稱爲 FHLMC）（房地美）是一家由國會創立的私人公司。其使命是透過從銀行和其他貸款機構購買抵押貸款促進住房市場的穩定性和可負擔性。該公司目前在聯邦住宅金融管理署（英文簡稱爲 FHFA）的指導下處於監管之中。

    了解有關常規貸款的更多資訊。



    真誠費用估算 (Good Faith Estimate)

    真誠費用估算（英文簡稱爲 GFE）是貸方在您申請反向抵押貸款時必須提供給您的表格。GFE 列出了有關反向抵押貸款條款的基本資訊。

    了解您何時會收到真誠費用估算。



    政府記錄收費 (Government recording charges)

    政府記錄收費是州和地方政府機構為合法記錄您的契約、抵押貸款和與您的住房貸款相關的文件收取的費用。

    更多資料見 (英文)


    高價抵押貸款 (Higher-priced mortgage loan)

    通常，高價抵押貸款的年利率或 APR 高於稱為平均優惠利率的基準利率。

    更多資料見 (英文)


    業主協會（英文簡稱為 HOA）會費 (HOA dues)

    如果您想要購買共管公寓、住房合作社管理公寓或計劃分區或其他提供共享服務的有組織社區的房屋，您通常需要支付共管公寓費或業主協會（英文簡稱爲 HOA）會費。這些費用差別很大。共管公寓或 HOA 會費通常與您的每月抵押貸款分開支付。如果您不支付這些費用，您可能會面臨業主協會的債務追收，甚至被取消抵押品贖回權。

    了解有關購房程序的更多資訊。


    房屋價值評估 (HOA dues)

    房屋價值評估是一份書面文件，顯示對房產價值的看法。價值評估為您提供有關房產的有用資訊。價值評估描述了房產的價值所在，並可能顯示該房產與鄰里其他房產的比較狀況。價值評估是對房產價值的獨立評估。

    了解有關爲什麽價值評估很重要的更多資訊。



    住房淨值抵押擔保信用額度（英文簡稱爲 HELOC）(Home equity line of credit - HELOC)

    住房淨值抵押擔保信用額度（英文簡稱爲 HELOC）是一種允許您以住房淨值為抵押借款的信用額度。住房淨值是您的房產當前價值金額減去您的房產的任何抵押貸款金額。與住房淨值貸款不同，HELOC 通常具有可調利率。對於大多數 HELOC，您會收到特別支票或信用卡，您可以在開設帳戶後的指定時間內借款。這段時間稱為「借款期」。在「借款期」内，您可以借款，但必須支付最低還款額。當「借款期」結束時，您將無法再從您的信用額度中借款。「借款期」結束後，您可能需要一次性還清所有餘額，或者可能允許您在一段時間內還款。如果您無法償還 HELOC，貸方可能會取消您的房屋抵押贖回權。



    住房淨值貸款 (Home equity line of credit - HELOC)

    住房淨值貸款（有時稱為 HEL）允許您使用住房淨值作為抵押品來借款。住房淨值是您的房產當前價值金額減去您的房產的任何現有抵押貸款金額。您從住房淨值貸款中一次性收到資金。住房淨值貸款通常有固定利率 — 不會改變的利率。如果您無法償還 HEL，貸方可能會取消您的房屋抵押贖回權。



    房屋檢查 (Home inspection)

    房屋檢查通常是購房程序的一部分。您通常有權聘請房屋檢查員檢查房產並指出其優點和缺點。這通常特別有助於檢測房屋的結構和機械系統，包括供暖、通風、空調和電氣系統。

    了解如何安排房屋檢查。


    購房價格 (Home purchase price)

    購房價格是買賣雙方同意支付給賣方的購買房屋的金額。

    了解有關如何找到合適的住房的更多資訊。


    房主保險 (Homeowner's insurance)

    如果發生火災或入室盜竊等意外情況，房主保險會賠償您的財產損失和損壞。當您有抵押貸款時，您的貸方希望確保您的財產受到保險的保護。這是為什麼貸方通常需要證明您擁有房主保險的原因。房主保險不同於抵押貸款保險。

    了解有關購房程序的更多資訊。



    業主協會（英文簡稱為 HOA）(Homeowners’ Association - HOA)

    業主協會（英文簡稱為 HOA）的成立通常是為了管理分攤費用，例如計劃分區或其他有組織社區的景觀美化和其他維護費用。共管公寓 HOA 承擔更多責任，例如維護車道、共用結構和屋頂。

    獲取有關 HOA 可能如何在您的抵押貸款對帳單中顯示的更多資訊。



    HUD

    住宅與城市發展部（英文簡稱爲 HUD）是一家政府機構，旨在幫助人們獲得和維護優質和可負擔的住房。他們培訓和贊助全美各地的住房顧問。HUD 批准的住房諮詢機構可向您提供購房者諮詢，幫助您了解和評估您的選擇。

    查找 HUD 批准的住房諮詢機構。



    HUD-1 過戶明細表 (HUD-1 settlement statement)

    住房與城市發展部第 1 號（英文簡稱為 HUD-1）過戶明細表列出了房地產過戶中買方和賣方的所有費用和信貸，或抵押貸款再融資中的所有費用。如果您申請反向抵押貸款或您在 2015 年 10 月 3 日或之前申請抵押貸款，您將收到 HUD-1。

    了解您何時會收到 HUD-1。



    指數 (Index)

    指數是反映一般市場狀況的基準利率。指數根據市場變化。指數變化以及您的貸款利率浮動百分比決定可調利率抵押貸款的利率變化。

    了解指數如何影響可調利率抵押貸款的利率。



    初始調整上限 (Initial adjustment cap)

    初始調整上限通常與可調利率抵押貸款（英文簡稱爲 ARM）相關聯。這個上限決定利率在固定利率期滿後第一次調整時可以增加多少。這個上限通常是百分之二或百分之五 — 這意味著在第一次利率變化時，新利率不能比固定利率期間的初始利率高出兩個（或五個）百分點以上。

    了解指數如何影響可調利率抵押貸款。



    初始代管存款 (Initial escrow deposit)

    如果您的貸方要求，初始代管存款是您在過戶時為啟動您的代管帳戶而支付的金額。

    更多資料見 (英文)


    利率 (Interest rate)

    抵押貸款的利率是您每年為借款而支付的費用，以百分比表示。它不反映您可能需要為貸款支付的費用或任何其他費用。例如，如果抵押貸款為 100,000 美元，利率為 4%，則該消費者同意在其借款的每年或欠付全部金額時支付 4,000 美元。

    查看您所在地區的利率。


    利率上限 (Interest rate cap)

    利率上限（有時也稱為年度上限）是可調利率抵押貸款（英文簡稱爲 ARM）每年可能發生的最高利率增長，即使利率在市場利率下會增長更多。例如，如果此上限為百分之二，則新利率不能比以前的利率高出兩個百分點以上。

    了解貸方如何使用指數和利率浮動百分比調整您的利率。



    只付息貸款 (Interest-only loan)

    只付息抵押貸款是一種定期還款的貸款，要求您在指定的時間內只支付利息。

    更多資料見 (英文)





    超過（房利美/房地美）上限的大額貸款 (Jumbo loan)

    每年房利美（Fannie Mae）、房地美（Freddie Mac）及其監管機構聯邦住宅金融管理署（英文簡稱為 FHFA）都會設定他們將從貸方購買的貸款的最高金額。

    更多資料見 (英文)



    貸方產權保險 (Lenders title insurance)

    貸方產權保險保護您的貸方免受您的房產產權問題的影響，例如有人對房屋提出法律索賠。貸方產權保險僅保護貸方免受產權問題的影響。為了保護自己，您可能需要購買業主產權保險。

    更多資料見 (英文)



    終身調整上限 (Lifetime adjustment cap)

    終身調整上限通常與可調利率抵押貸款（英文簡稱爲 ARM）一起使用。這個上限決定了在貸款期限內利率總共可以增加多少。例如，如果此上限為 5%，則意味著利率永遠不會比初始利率高出 5 個百分點。一些貸方可能有不同或更高的上限。

    了解指數如何影響可調利率抵押貸款。



    承擔 (Loan assumption)

    貸款承擔發生在買方購買賣方房屋時，買方接手賣方的抵押貸款。買方承擔賣方尚未償還的抵押貸款餘額，並按照最初的貸款條款付款，例如利率和剩餘的抵押貸款期限。當新的抵押貸款提供的利率高於賣方最初取得抵押貸款時的利率時，貸款承擔可能在財務上具有意義。

    房屋售價與承擔貸款餘額之間的差額等於買方需要支付的金額，可以用現金支付或者透過自己取得抵押貸款來支付。

    要接手抵押貸款，購屋者需要符合貸款承擔的資格要求。符合資格通常是根據對買方的信用和收入的審查，類似於對新抵押貸款的資格要求。

    貸款承擔也可以適用於獲得有抵押貸款的房產的所有權的情況，例如在去世或離婚後。



    延期還款 (Loan deferment)

    面臨難以償還抵押貸款困境的借款人通常有權向抵押貸款服務公司尋求幫助。抵押貸款服務公司可以同意延期還款，使借款人能夠藉由延遲償還逾期抵押貸款來避免止贖。當借款人重新貸款或出售房屋，或抵押貸款以其他方式終止時，延期還款金額即到期。


    貸款估算 (Loan estimate)

    貸款估算是您在申請抵押貸款後收到的一份三頁表格。

    更多資料見 (英文)


    貸款修改 (Loan modification)

    抵押貸款修改是對您的貸款條款的更改。修改是一種減損方法。修改可以將您的每月付款減少到您可以負擔的金額。修改可能涉及延長您必須償還貸款的年限、降低您的利率和/或債務償還期延展或減少您的本金餘額。如果向您提供貸款修改，請確保您知道它將如何改變您的每月付款以及您在短期和長期內的欠款總額。

    了解有關抵押貸款修改的更多資訊。

    如果您受到冠狀病毒的影響

    獲得有關抵押貸款減免選擇的更多資訊。



    貸款價值比 (Loan-to-value ratio)

    貸款價值比（英文簡稱爲 LTV）是一種將您的抵押貸款金額與房產評估價值進行比較的衡量標準。首付款越高，LTV 就越低。抵押貸款機構可以根據 LTV 來決定是否貸款給您，並確定他們是否要求私人抵押貸款保險。

    了解您的貸款價值比如何與您的費用相關。



    減損 (Loss mitigation)

    減損是指抵押貸款機構與抵押貸款借款人合作為避免止贖而採取的措施。減損是指貸款機構有責任減少或「減輕」投資者可能因止贖而遭受的損失。某些減損選擇可能幫助您繼續住在自己的住宅中。另一些選擇可能幫助您在不止贖的情況下離開自己的住房。減損選擇可能包括轉讓房產以替代止贖契約、債務償還期延展、還款計劃、短售或貸款修改。

    如果您在支付抵押貸款時遇到困難，或者您已經獲得提議並正在考慮各種減損選擇，請與住宅與城市發展部（英文簡稱爲 HUD）批准的住房諮詢機構聯繫。

    您可以使用消費者金融保護局（英文簡稱爲 CFPB）的 「查找顧問」 （Find a Counselor）工具，獲取您所在地區經 HUD 批准的住房諮詢機構名單。您也可以撥打每週七天、每天二十四小時開放的 HOPE™ 熱線電話 (888) 995-HOPE (4673)。

    如果您受到冠狀病毒的影響

    獲得有關抵押貸款減免選擇的更多資訊。



    利率浮動百分比 (Margin)

    利率浮動百分比是抵押貸款機構在初始利率期結束後為您的可調利率抵押貸款（英文簡稱爲 ARM）設定利率而添加到指數中的百分點數。利率浮動百分比在您的貸款協議中設定，在過戶後不會改變。利率浮動百分比金額取決於特定的貸方和貸款。

    了解利率浮動百分比如何影響可調利率抵押貸款。



    每月開支 (Monthly expenses)

    這是您每個月花費的錢款。它可能包括但不限於經常性债务，例如租金或抵押貸款付款、公用事业費、汽車付款、子女撫養費和保險費，以及食物等必需品开支。這些债务中的大多數都有固定的到期日。

    使用本支出跟踪工具評估您的每月支出。



    抵押貸款 (Mortgage)

    抵押貸款是您與貸方之間的協議，允許您借錢購房或為房屋再融資，並賦予貸方在您未能償還所借款項時收回您的房产的權利。

    如果您準備好申请抵押貸款，請了解有關購房的更多資訊。



    抵押貸款过户核查单 (Mortgage closing checklist)

    抵押貸款过户核查单是您可以用來準備和了解預期情況的步驟列表。該核查單可幫助您確定要提前提出的重要問題，以便您可以自信地過戶。

    利用本工作單準備過戶。



    抵押貸款過戶費 (Mortgage closing costs)

    抵押貸款過戶費是您在過戶時支付的所有費用。這包括貸款初辦手續費、價值評估費、信用報告費、產權保險費以及您的貸方要求的或作為房地產抵押貸款交易一部分支付的任何其他費用。貸方需要在貸款估算中向您提供這些費用摘要。

    了解有關過戶時發生的情況的更多資訊。



    抵押貸款保險 (Mortgage insurance)

    如果您拖欠付款，抵押貸款保險可以保護貸方。如果您的首付款低於房產價值的 20%，通常要求購買抵押貸款保險。聯邦住宅管理局（英文簡稱為 FHA）和美國農業部（英文簡稱爲 USDA）貸款通常也要求購買抵押貸款保險。但是，如果您有常規貸款並且您的首付款低於 20%，您很可能有私人抵押貸款保險（英文簡稱爲 PMI）。

    了解抵押貸款保險如何運作



    抵押貸款修改 (Mortgage loan modification)

    抵押貸款修改是對您的貸款條款的更改。修改是一種減損類型。

    更多資料見 (英文)



    抵押貸款再融資 (Mortgage refinance)

    抵押貸款再融資是指您申請新貸款以還清並取代舊貸款。再融資的常見原因是降低月利率、降低抵押貸款還款額或借入額外資金。當您再融資時，您通常需要支付過戶費和收費。如果您再融資並獲得較低的每月付款，請確保您了解減少的金額有多少來自較低的利率，有多少是因為您的貸款期限延長。

    我應當再融資嗎？

    抵押貸款再融資消費者指南

    您的房屋貸款工具包

    可調利率抵押貸款消費者手冊



    抵押貸款期限 (Mortgage term)

    您的抵押貸款期限是您必須償還貸款的期限。對於大多數類型的房屋，抵押貸款期限通常為 15 年、20 年或 30 年。

    查看貸款期限選擇。



    貸款初辦費 (Origination Fee)

    貸款初辦費是貸方向借款人收取的發放抵押貸款的費用。貸款初辦費可能包括處理申請、承銷和資助貸款以及其他行政服務費。貸款初辦費通常只能在某些情況下增加。

    了解有關抵押貸款初辦費的更多資訊。



    業主產權保險 (Owner's title insurance)

    如果有人在房主購房之前起訴並聲稱他們對房屋提出索賠，則業主產權保險可為房主提供保護。

    更多資料見 (英文)



    PACE 融資 (Pace financing)

    PACE 融資提供一種為節能住宅改善提供資金的方式。

    更多資料見 (英文)


    部分索賠 (Partial claim)

    部分索賠是一種利用抵押貸款保險來幫助陷入困境的屋主避免止贖的方法。抵押貸款服務公司向抵押貸款保險公司提出索賠，索賠金額等於未支付的抵押貸款金額，保險公司會將這筆錢存入一個獨立的帳戶中。接著，當借款人為抵押貸款重新貸款、出售房屋或以其他方式終止抵押貸款時，部分索賠的金額將支付給抵押貸款服務公司。有時，部分索賠金額可能不足以涵蓋未付款的全部金額，此時借款人必須支付差額。



    付清金額 (Payoff amount)

    您的付清金額是您實際需要支付多少金額才能滿足您的抵押貸款條款並完全還清您的債務。您的付清金額與當前餘額不同。您的當前餘額可能無法反映您實際需要支付多少金額才能完全償還貸款。您的付清金額還包括在您打算還清貸款之日之前欠付的任何利息付款。付清金額還可能包括您已產生但尚未支付的其他費用。



    PCS 命令 (PCS orders)

    現役軍人可能會收到永久性遷基地（英文簡稱為 PCS）命令。PCS 命令是將軍人（以及與他們同住的任何家庭成員）正式搬遷到不同的工作地點。如果軍人擁有房屋，他們可能會選擇出售。如果軍人欠付的房屋費用超過房屋的價值，他們可能很難賣掉房屋。一些貸款機構提供的計劃允許軍人出售他們的房屋，而不必償還剩餘的貸款餘額。請查閲軍人資源，了解更多資訊。



    PITI

    本金、利息、稅金和保險（亦稱爲 PITI）是每月抵押貸款還款的四個基本要素。

    更多資料見 (英文)



    PMI

    私人抵押貸款保險（英文簡稱爲 PMI）是一種使您的貸方受益的抵押貸款。如果您的首付款低於物業價值的 20% 並且您有常規貸款，您可能需要支付 PMI。一旦您在住宅中積累了一定金額的資產淨值，您就可以取消 PMI。

    了解何時需要 PMI 的更多資訊。



    預付利息收費 (Prepaid interest charges)

    預付利息收費是在您的抵押貸款過戶之日到您的第一個月抵押貸款付款涵蓋階段之間您的貸款產生的任何每日利息在過戶時應付的費用。

    更多資料見 (英文)



    提前償付貸款罰金 (Prepayment penalty)

    提前償付貸款罰金是一些貸方在您提前償還全部或部分抵押貸款時收取的費用。如果您有提前償付貸款罰金，您在房屋過戶時應當已經同意支付該罰金。並非所有抵押貸款都有提前償付貸款罰金。



    本金 (Principal)

    本金是您必須償還的抵押貸款金額。您的每月付款包括該本金的一部分。當償還本金時，借款人欠款金額會減少，並且根據較低的貸款金額將支付 較少的利息。

    了解利率與本金之間的區別。



    財產稅 (Property taxes)

    財產稅是地方司法管轄部門（通常在縣級）根據徵稅財產的價值徵收的稅款。通常，財產稅是在房主的每月抵押貸款付款中徵收的，然後每年一次或多次支付給相關司法管轄部門。這稱為代管帳戶。如果貸款沒有代管帳戶，房主將直接支付財產稅。

    了解有關購房程序的更多資訊。



    合格抵押貸款 (Qualified mortgage)

    合格抵押貸款是一種類型的貸款，具有某些更穩定的特徵，有助於使您更有可能負擔得起貸款。

    更多資料見 (英文)



    合格書面請求（英文簡稱爲 QWR）(Qualified Written Request - QWR)

    合格書面請求（英文簡稱爲 QWR）是您或代表您的人可以發送給您的抵押貸款機構的書面信件。您還可以向您的貸款機構發送「錯誤通知」或「資訊請求」，用於取代 QWR。

    更多資料見 (英文)


    償還計劃 (Repayment plan)

    償還計劃是一種結構化的方式，用於彌補您在一段時間內未付的抵押貸款付款。這是一種減損方法。如果您在支付抵押貸款時遇到困難，您的貸方或貸款機構可能會允許您簽訂償還計劃。在制定償還計劃之前，請確保您了解該計劃的要求以及您是否能夠支付新款項。



    反向抵押貸款 (Reverse mortgage)

    反向抵押貸款允許 62 歲或以上的房主從其房屋淨值中借款。這稱為「反向」抵押貸款，因為您不是向貸方付款，而是從貸方那裡收到錢款。您收到的錢款和貸款收取的利息每月都會增加您的貸款餘額。目前大多數反向抵押貸款都稱為 HECM，這是住房淨值可變現抵押貸款的縮寫。

    了解申請反向抵押貸款前應考慮的事項。



    撤銷權 (Right of rescission)

    撤銷權是指消費者有權取消某些類型的貸款。如果您透過抵押貸款購買房屋，您無權在過戶文件簽署後取消貸款。但是，如果您為抵押貸款再融資，您可以在交易後第三個工作日午夜之前撤銷（取消）抵押貸款合約。該三天時間從您簽署信貸合約（通常稱為本票），您收到誠信借貸披露表，並且收到兩份解釋您撤銷權利的通知副本後才開始計時。



    第二抵押貸款 (Second mortgage)

    第二抵押貸款或初級留置權是您使用您的房屋作為抵押品而獲得的貸款，而您仍有另一筆貸款以您的房屋為抵押。

    了解有關第二抵押貸款的更多資訊。



    擔保物權 (Security interest)

    如果您不償還所借的錢款，擔保物權可允許貸方取消抵押品贖回權。

    更多資料見 (英文)


    賣方融資 (Seller financing)

    賣方融資是您的房屋的賣方向您提供的貸款。

    更多資料見 (英文)



    貸款機構 (Servicer)

    您的抵押貸款機構是向您發送抵押貸款報表的公司。您的貸款機構還負責管理您的貸款的日常任務。

    您的貸款機構通常會處理您的貸款付款、回复借款人的詢問、跟踪支付的本金和利息，並管理您的代管帳戶（如有）。在某些情況下，貸款機構可能會發起止贖。您的貸款機構可能是也可能不是最初向您提供貸款的公司。



    增值共享抵押貸款 (Shared appreciation mortgage)

    根據增值共享抵押貸款，您同意與您的貸方分享您的房屋價值的任何增值部分。

    更多資料見 (英文)



    短售 (Short sale)

    短售是指以低於您所欠抵押貸款的價格出售您的房屋。短售是止贖的另一種替代方法，但由於是出售，您將必須離開您的住宅。如果您的貸方或貸款機構同意短售，您可以出售房屋以還清抵押貸款，即使售價或收益低於抵押貸款餘額。短售是一種減損類型。如果您住在需要對任何清償抵押債務餘額（即您的房產價值與您仍欠抵押貸款金額之間的差額）負責任的州，您應當要求您的貸方豁免清償抵押債務餘額。如果貸方豁免清償抵押債務餘額，請獲得書面豁免證書，並將其保存在您的記錄中。



    次級抵押貸款 (Subprime mortgage)

    當貸方使用該術語時，它們通常是指為不符合優質貸款條件的借款人提供的貸款計劃，通常利率較高。

    了解有關購房程序的更多資訊。



    勘測圖 (Survey)

    勘測圖是您的房產的圖紙，顯示地塊、房屋和任何其他結構的位置，以及對房產的任何改進。

    更多資料見 (英文)



    產權轉移手續費 (Title service fees)

    產權轉移手續費是您在獲得抵押貸款時支付的過戶費的一部分。當您購買房屋時，您會收到一份通常稱為契約的文件，該文件表明賣方將其對房屋的合法所有權或「產權」轉讓給您。產權轉移手續費是與為貸方簽發產權保單相關的費用。

    更多資料見 (英文)



    總利息百分比（英文簡稱為 TIP）(Total interest percentage - TIP)

    總利息百分比（英文簡稱為 TIP）是一種資訊披露，告訴您在抵押貸款的整個期限內您將支付多少利息。

    更多資料見 (英文)



    付款總額 (Total of payments)

    這個數字告訴您在抵押貸款期限內您將支付的總金額。

    更多資料見 (英文)



    TRID

    TRID 是一些人用來指代《誠信借貸法》與《不動產過戶程序法案》（英文簡稱為 TILA-RESPA）綜合資訊披露（TILA RESPA Integrated Disclosure）規定的首字母縮略語。

    更多資料見 (英文)



    USDA 貸款 (USDA Loan)

    農村住房服務署是美國農業部（英文簡稱為 USDA）的一部分，它向達到 USDA 收入資格要求的農村購房者提供無首付款和普遍優惠利率的抵押貸款計劃。

    了解有關此項計劃和其他特殊貸款計劃的更多資訊。



    VA 貸款 (VA loan)

    VA 貸款是退伍軍人事務部（英文簡稱爲 VA）提供的一項貸款計劃，旨在幫助現役軍人、退伍軍人和合格的未亡配偶購房。 退伍軍人事務部不提供貸款，但會制定有關哪些人符合資格和抵押貸款條款的規則。退伍軍人事務部為部分貸款提供擔保，以降低貸款人遭受損失的風險。貸款通常僅適用於主要居所。

    如果您是退伍軍人，請了解VA 貸款是否適合您。

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    Shopping for a mortgage (in Traditional Chinese)
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    查找抵押貸款

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    查找抵押貸款需要花費時間和精力。但這可以為您節省成千上萬美元。將您的目標定為比較不同貸款公司提供的至少三份貸款報價。

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    本頁內容：

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    至少獲得三份預先批准

    網際網路和報紙是您開始尋找抵押貸款公司的好地方。聯繫銀行、信用社和可能專門針對您的情況的組織，例如：首次購房者、退伍軍人、公共部門工作人員或其他人。

    至少從三家不同貸款公司獲取「預先批准」。這意味著貸款公司會查看您的財務狀況，包括您的信用報告，並估計您能借多少錢以及您可能會支付的利息。

    「預先批准」讓您嘗試接觸每家貸款公司，看看他們提供怎樣的貸款和價格。當您在短時間內獲得所有三份「預先批准」時，這對您的信用評分應該沒有大的影響。

    當您做了一些決定後，您可以再來找這些貸款公司，向他們索取貸款報價。

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    選擇貸款期限、利率結構和方案

    貸款期限：更長或更短

    一般來說，較長的貸款期限在整個貸款期間花費較多。但您的月付款額通常較低。您可以與貸款公司協商不同的貸款期限，例如 20 年，7 年，甚至超過 30 年。

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    大多數購房者選擇 30 年的貸款，因為付款可以很低。

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    付款額通常比 30 年貸款高，但您的貸款會在 15 年內還清，貸款的總成本較低。

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    貸款利率結構：固定利率或可調利率

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    固定利率貸款很常見。使用可調利率貸款，您的初始付款可能較低，但如果利率上升，您可能面臨急劇增加的付款額。

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    您的利率和月付款額在您的貸款期限內保持不變。

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    您的利率通常在貸款的前幾年是固定的。一旦固定期滿，利率將根據「指數」進行定期調整。指數是對利率進行的總體衡量，它反映了整體經濟的趨勢。這意味著您的付款金額可能增加或減少。您從貸款公司那裡收到的貸款評估中囊括了詳情。

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    貸款方案：常規、FHA 貸款、VA 貸款或特殊方案

    目前提供許多貸款方案，有些是為了幫助某些情況或群體的人員獲得抵押貸款而設置的。

    首付款為 5% 或以上？

    諮詢有關房利美 (Fannie Mae) 或房地美 (Freddie Mac) 的合格貸款，通常稱為「常規」貸款。

    只付少量首付款？

    諮詢有關 FHA 擔保的貸款。

    您是軍人或退伍軍人嗎？

    諮詢有關 VA 擔保的貸款。

    在農村地區購房嗎？

    諮詢美國農業部 (USDA) 提供贊助的貸款。

    首次購房的低收入或中等收入者？

    諮詢您所在州的住房融資機構提供的貸款。

    比較貸款報價

    現在是時候啟動正式申請程序了。請求您的貸款公司提供反映您對貸款類型、方案和期限選擇的貸款報價。然後您就可以對同類產品進行比較了。

    首先，請比較貸款的基本部分：

    • 貸款的期限是什麼？
    • 利率是多少？
    • 貸款的首付款是多少？
    • 月付款額是多少？
    • 對於可調利率抵押貸款，付款調整和利率是否有上限？如果市場利率下降，利率是否會下降？

    接著，比較其他可能影響您的成本的詳情：

    • 我的付款何時才能還清我的本金？
    • 在整個貸款期間，付款方式是否會改變？我的付款可以達到多高？
    • 我的付款是否包括房產稅和保險？如果不包括，我是否有能力單獨支付這些費用？
    • 哪些成本和費用將添加到我的首筆付款中？添加到我的持續付款中？
    • 我是否需要支付點數（可降低利率的前期費用）？
    • 我的借款金額中包括哪些費用和成本（通常用於「無過戶費」貸款）？
    • 書面報價與我被告知的貸款內容是否一致？
    • 我能否從不同的服務提供者那裡得到更好的結算服務交易？
    • 我是否可以提前償還貸款，或支付比預定金額更多的款項，而不會受到懲罰？

    爭取更好的交易

    一旦您看到幾份貸款公司的報價，詢問他們是否可以給予更好的條款。談判是很常見的，問一下也無妨。貸款公司可能會免除或減少一項或多項費用，或降低利率或點數。

    確保貸款公司不會在降低一項費用的同時提高另一項費用，或者降低您的利率但提高您的點數。

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    + + 略過至主要內容 + +
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    選擇汽車貸款

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    儘管選擇貸款及嘗試獲得最佳利率及其他條款很複雜，但其流程與其他類型的購買比較相同。提前選擇將幫助您為汽車貸款協商做好準備，並減輕在此過程中的壓力。

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    在申請汽車貸款前做好準備

    如果在申請貸款前遵照以下步驟，您將在選擇及協商汽車貸款時處於更有利的地位。

    檢查您的信用報告

    您的信用報告中的資訊確定您的信用評分。您的信用評分在確定您能夠獲得哪種汽車貸款及您將支付多少利息中發揮重大作用。以下是一些有用的資源：

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    您是否需要合簽人？

    合簽人是一名和您一樣具有償還貸款合約義務的個人，例如父母、家庭成員或朋友。如果您的信用記錄有限或需要改進，且您的信用評分較低（或者沒有信用評分），如果您有一位擁有較好或很好信用的合簽人，則您的利率可能將大大降低。這是因為貸款機構將依據合簽人的信用記錄及評分確定是否發放貸款。

    如果考慮使用合簽人，您和潛在合簽人應仔細考慮這一決定。如果您未能償還貸款，您和您的合簽人將負責還款。合簽人對貸款負責，即使合簽人無權擁有車輛亦如此。此外，逾期償還貸款將影響您和您的合簽人的信用記錄及信用評分。如果您單獨申請貸款且按貸款機構的標準符合貸款的信譽要求，聯邦法律通常禁止貸款機構要求您有合簽人。更多有關合簽的資訊，請瀏覽網站 consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811。

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    核實現有汽車貸款利率

    您可透過聯繫數家銀行、信用社或其他貸款機構研究利率。您也可以在線上查閱眾多商業網站，上面可能提供全國範圍內及您所在郵遞區號的利率估計。有些商業網站將把您連結至特定的貸款機構及經銷商處，作利率估計，因此您在輸入您的個人資訊時需要小心。

    考慮頭期款

    頭期款將減少您的融資總額，因為您需要借較少的錢。頭期款越高，貸款總費用就越低。

    確定您是否想要將您的現有車輛以舊換新

    如果您已經擁有一輛汽車，查明其價值，以確定您可從置換或私人出售中獲得多少錢。您可使用線上商業網站，查看您現有汽車的大約價值，例如《消費者報告》（Consumer Reports）、埃德蒙茲網站（Edmunds）、《凱利藍皮書》（Kelley Blue Book）、全美汽車經銷商協會指南網站（NADA Guides）以及線上分類廣告。這些資源或許也可在您當地圖書館中找到。找出您所在地區最近出售的類似車輛的例子有助於您獲得公平價格。

    一旦瞭解到您現有車輛的大約價格，就可確定是以舊換新還是自己出售。如果您在經銷商處以舊換新，您和經銷商將確定沖抵您下一輛車購買價格的價值。如果您自己出售，您可以將所獲款項用作頭期款。

    如果您的以舊換新車輛還有貸款，則應仔細考慮這一情況

    仔細考慮是否在您的現有債務之上增添新的債務。以下是一些考量及步驟：

    • 獲得償還金額，該金額是在前往經銷商之前從您的現有貸款機構獲得償清現有貸款的金額。
    • 確定您是準備現在償清現有貸款、待您償清原有汽車貸款後再申請另一輛車的貸款還是將您現有汽車的欠款額納入您的新汽車貸款中。
    • 如果您現有車輛的欠款超出該車輛的價值——稱為倒置——則您擁有負資產淨值。如果您將現有汽車的欠款餘額併入您的新汽車貸款，這可能會使新汽車貸款更加昂貴。您的貸款總費用將更高，因為您的借款超出新車價格。
    • 在您研究以舊換新車輛的價值後，如果您的以舊換新車輛欠款低於其價值，確保在任何協商中考慮您能否獲得以舊換新車輛的公平價值以及您是否能夠全額償清舊汽車貸款。
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    您仍然欠以舊換新車輛的貸款嗎？

    如果您正在考慮將原有的貸款餘額轉入新貸款，請確保您瞭解這將如何影響新貸款的總費用。在您同意任何條款之前，請仔細查看新貸款的總費用，包括借款金額、年利率（APR）、利率、貸款期限（以月為單位）和每月還款額。如果您不將舊車欠款轉入新貸款，並在購買新車的同時保留目前的車輛，您將有兩筆貸款和兩個月付款。無論採用哪一種方式，如果您仍然欠以舊換新車輛的貸款額，您都應當考慮是否有必要完成交易並再購買一輛車。如需瞭解更多資訊，consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779。

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    提前考慮可選附加項

    當您前往汽車經銷商時，可能會向您提供車輛或貸款的附加產品及服務。提前考慮這些附加項是一個好方法，這樣會減少您在經銷商處需要考慮的事項，並且為是否購買這些附加產品準備好答案。常見的附加項包括：

    這些產品和服務（您可以融資）是可選項。如果您要購買，價格可協商。如果您想購買這些產品或服務，請多方選購。例如，您自己的汽車保險公司可能提供擔保汽車保護（GAP）保險、信用保險或其他替代選擇。如果您作為您的貸款的一部分為可選附加項融資，您借款及償還的金額將增加。

    完成準備工作後，您可準備採取下一個步驟：選擇汽車貸款。使用本指南末尾的汽車貸款作業單，記下貸款條款，並比較您的選擇。 攜帶作業單到銀行、信用社、其他貸款機構及經銷商處，以便比較您的貸款選擇，並獲得最佳交易。

    選擇汽車貸款

    現在您可以開始選擇貸款。在前往經銷商處前，收集您的個人資訊，並考慮獲得貸款預先批准。提前選擇將幫助您為汽車貸款協商做好準備，並減輕在此過程中的壓力。

    收集您的個人資訊

    當您前往銀行、信用社或經銷商處時，確保收集您將需要的所有資訊。貸款機構通常會在貸款申請時要求提供以下資訊：

    • 姓名
    • 社會安全號碼或個人報稅號碼（ITIN）
    • 出生日期
    • 目前住址、先前住址及居住時間
    • 目前及先前僱主以及就業時間
    • 職業
    • 收入來源
    • 月毛收入總額
    • 目前信用帳戶的財務資訊，包括其他債務

    獲得貸款預先批准

    從銀行、信用社或其他貸款機構獲得預先批准的貸款出價或報價（包括最高貸款金額及利率）是一個很好的開端。如果您攜帶從貸款機構獲得的貸款報價到經銷商處，無論您是採用您攜帶的報價還是決定接受經銷商的融資提議，您可能在獲得更好的交易方面居於更有利的協商地位。

    預先批准還能幫助您不超出預算，並幫助您在經銷商處時在毫無時間壓力的情況下比較利率。您可以在經銷商處更多地專注於車輛的實際價格以及您的以舊換新車輛的折價，因為您已經瞭解您能夠獲得的貸款期限。您仍然可以選擇在經銷商處協商更好的貸款，而不使用您的預先批准。

    如果您的申請獲得預先批准，貸款機構將向您提供攜帶至經銷商處的文件。一旦您準備好購買，經銷商將與您的貸款機構作出最終安排。

    瞭解選擇貸款如何影響您的信用評分

    選擇汽車貸款最佳交易一般對您的信用評分影響不大。選擇汽車貸款的好處將遠遠超過對您的信用的任何影響。在某些情況下，在長時間內申請多項貸款可能降低您的信用評分。取決於所使用的信用評分模型，通常這些貸款機構在 14 天至 45 天的時間內針對您的信用評分提出的任何要求或詢問將僅算作一次詢問。這意味著在該時間跨度內選擇汽車貸款將按申請一次貸款計算。您可最大程度地降低在短時間內進行您的所有利率選擇對您的信用評分造成的任何不利影響。

    瞭解您的權利

    貸款機構不得基於您的種族、膚色、信仰、原國籍、性別、婚姻狀況、年齡、接受公共援助收入或誠信善意地行使《消費者信用保護法案》規定的任何權利阻止或拒絕您的信貸申請，或提供不同的價格或其他貸款期限與條件。

    您可在聯邦貿易委員會（FTC）網站 reportfraud.ftc.gov 或消費者金融保護署（CFPB）網站 consumerfinance.gov/complaint，或撥打免費電話 1-855-411-CFPB (2372) 提交投訴.。

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    Office of Civil Rights

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    The Office of Civil Rights works to ensure that the CFPB continues to meet its ongoing commitment to equal opportunity for its employees, applicants for employment at CFPB, and the members of the public with disabilities seeking equal access to CFPB programs and activities.

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    The mission of the Office of Civil Rights is to:

    • Ensure the CFPB complies with federal laws related to equal opportunity and access;
    • Provide a neutral forum for the discussion, investigation and resolution of certain EEO matters; and
    • Integrate EEO into the CFPB’s everyday business.

    Our vision is to ensure that the CFPB reflects the rich diversity of the nation and that CFPB employees have a working environment that will support them in their efforts to protect consumers.

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    Our work

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    EEO policy and reports

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    The CFPB’s employees are its most important resource. Employees come from diverse backgrounds and work together to carry out the mission of protecting consumers.

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    No FEAR Act

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    The No FEAR Act is intended to increase the accountability of federal agencies for acts of discrimination or retaliation against employees, former employees, and applicants. It requires the CFPB to post a notice of rights and certain equal employment opportunity data.

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    Affirmative opportunity

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    We oversee an affirmative program for equal opportunity to ensure everyone can participate equally in the Bureau's programs and services in compliance with the law and in line with best practices.

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    Whistleblowers

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    Federal employees and applicants are protected against retaliation for making whistleblower disclosures.

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    Raise an EEO Issue

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    If you are a CFPB employee, former CFPB employee, or applicant for employment at CFPB and believe you have been illegally discriminated against, you can contact the Office of Civil Rights for help.

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    Reasonable accommodation for persons with disabilities

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    We encourage persons with disabilities to work at the CFPB and we provide reasonable accommodation to applicants and employees with disabilities consistent with the Rehabilitation Act and the Americans with Disabilities Act.

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    The No FEAR Act is intended to increase the accountability of federal agencies for acts of discrimination or retaliation against employees, former employees, and applicants.

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    In 2002, Congress enacted the “Notification and Federal Employee Antidiscrimination and Retaliation Act of 2002,” which is known as the No FEAR Act .

    It requires the CFPB to post a notice of rights and protections available under Federal antidiscrimination and whistleblower protection laws and to post certain No FEAR Act data (this data was most recently updated on October 27, 2023). The CFPB also releases an annual No FEAR Act report .

    The data includes:

    • Summary of complaints filed in each fiscal year
    • Summary of complaints pending in each fiscal year
    • Summary of investigations completed
    • Summary of complaints dismissed
    • Final actions issued by the CFPB involving a finding of discrimination
      • Final actions issued without an Equal Employment Opportunity Commission (EEOC) hearing
      • Final actions issued after an EEOC hearing
    • Average time taken to complete investigations and final action

    The Elijah E. Cummings Federal Employee Antidiscrimination Act of 2020 (Cummings Act) became law on January 1, 2021. The law amends the No FEAR Act to require federal agencies to publicly provide notice, in an accessible format linked from its public-facing website, of any final decision in which there has been a finding of discrimination (including retaliation) against the agency. Required notices under the Cummings Act will be posted directly below.

    Public Notice of Violation

    To learn more about equal employment opportunity at the Bureau please visit our equal employment opportunity page or contact us.

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    Open government

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    Our mission is to keep direct and constant engagement with the American public. We read the stories you submit online or by calling us. We listen to you at our field hearings. And we engage with community leaders through our community advisory boards.

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    Our work

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    Open government activities

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    A key mission for us is to make the financial products and services that you use more transparent. You deserve to know what we’re doing for the American public and how we are doing it.

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    Information quality guidelines

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    These guidelines provide policy and procedural guidance to Bureau staff and inform the public about Bureau policies and procedures for making corrections to published information.

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    Information quality guidelines

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    The Consumer Financial Protection Bureau (Bureau) Information Quality Guidelines are issued in accordance with the provisions of the Treasury and General Government Appropriations Act for Fiscal Year 2001, Pub. L. No. 106-554 (the “Act”), and OMB government-wide guidance.

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    The administrative correction mechanisms outlined in the guidelines apply to information disseminated by the Bureau on or after the date of publication, regardless of when the information was first disseminated. These guidelines provide policy and procedural guidance to Bureau staff and inform the public about Bureau policies and procedures for making corrections to published information.

    Information Quality and Peer Review Disclaimer: After review of the information disseminated by Bureau, the Bureau does not believe that it currently produces or sponsors the distribution of influential scientific, financial, or statistical information within the definitions promulgated by OMB, and does not at this time have material to post in accordance with OMB’s Information Quality Bulletin for Peer Review.

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    The Bureau disseminates a variety of information to the public, including press releases, publications, and special technical reports. Section 515 of the Act requires federal agencies to issue guidelines ensuring and maximizing the quality, utility, objectivity, and integrity of disseminated information and to provide the public with an administrative means for correction of information disseminated by the Bureau.

    Information quality correspondence

    At this time, we’ve received two information quality correction requests:

    • The first request was submitted by the Community Financial Services Association of America on June 20, 2013, and we responded  on August 19, 2013. CFSA filed an appeal of the Bureau’s response on Sep. 18, 2013, which the Bureau denied on Nov. 18, 2013.
    • The second request was submitted by Advance America Cash Advance Centers Inc. on July 19, 2016, and we responded  on Sep. 13, 2016.

    Information quality guidelines

    The Bureau strives to ensure and maximize the quality, objectivity, utility, and integrity of the information that it disseminates to the public. The Bureau strives to incorporate information quality criteria into its information dissemination practices, and ensures the quality of information the agency disseminates in accordance with the standards set forth in these Guidelines. The Bureau is committed to integrating the principle of information quality into its development of information, including the creation, collection, maintenance, and dissemination of such information. The Bureau will comply with all legal and policy rules, regulations, directives, and guidance governing any phase of the process. High quality information represents a performance goal for organizational components of the Bureau who are charged with disseminating information.

    To ensure and maximize quality information, the standards should focus on the three underlying requirements for quality: utility, objectivity, and integrity of information.

    • Utility: In assessing the usefulness of information disseminated to the public, the Bureau will consider how the public will use the information. When transparency of information is relevant to an assessment of the public’s perception of its usefulness, the Bureau will address transparency – the clear, obvious, and precise nature of the data or analysis – when developing and reviewing information.
    • Objectivity: The Bureau will consider whether disseminated information is accurate, clear, complete, and unbiased both in presentation and substance. Information will be presented within its proper context. Where appropriate, data will be accompanied by full, accurate, and transparent documentation, and will disclose error sources affecting its quality. Analytic results will be generated using sound statistical and research methods.
    • Integrity: The Bureau will protect information from unauthorized access or revision, to prevent corruption or falsification of information. The Bureau will comply with government-wide security requirements when disseminating information.

    The Bureau will strive to ensure that statistical and financial data disseminated by the Bureau is capable of being substantially reproduced by an independent evaluator, subject to some degree of imprecision. The Bureau will also provide the sources, methods, procedures, references, and assumptions employed to create information disseminated by the Bureau.

    When used regarding financial or statistical information, a characterization of “influential” generally means the Bureau determines that dissemination of the information will have or does have a clear and substantial impact on important public policies or important private sector decisions. Organizational components of the Bureau shall develop appropriate definitions of what constitutes “influential” information as they develop processes for dissemination. When information is determined by an organization component to be “influential,” an added level of scrutiny will be applied, including an assurance that the information is reproducible.

    Purpose

    The Bureau has drafted the following guidelines to promulgate its quality standards and formalize its correction mechanism. The policies and procedures strive to ensure that the quality of information and data released to the public is accurate and appropriate and meets the Bureau’s internal definitions of utility, objectivity, and integrity.

    This guidance should be used to ensure and maximize the quality of information disseminated by the Bureau. The Bureau’s guidelines are based on the OMB guidelines. The guidelines are not intended to be legally binding regulations or mandates. They are not legally enforceable and do not create any legal rights or impose any legally binding requirements or obligations on the Bureau or the public. Nothing in these guidelines affects any otherwise available judicial review of agency action.

    Scope

    The Bureau guidelines are effective upon publication. The guidelines cover information disseminated on or after publication of the guidelines, regardless of when the information was first disseminated.

    Organizational components should use these guidelines to develop processes for disseminating quality information. The guidelines apply to information disseminated to the public in any medium, including textual, graphic, narrative, numerical, or audiovisual forms. The guidelines apply to information that the Bureau posts on the internet. The guidelines also apply to Bureau-sponsored distribution of information – that is, any information distributed by a third party at the direction of the Bureau or information the Bureau has the authority to review and approve prior to release. The guidelines do not extend to Bureau interpretations of data and information.

    The guidelines do not override other compelling interests such as privacy, trade secrets, intellectual property, and other confidentiality protections. The guidelines do not apply to hyperlinks to information disseminated by others. The guidelines do not apply to opinions where the Bureau’s presentation makes it clear that the material is an opinion or the Bureau’s views rather than fact. In addition, the guidelines do not apply to information disseminated in the following contexts:

    • Dissemination of information limited to government employees or agency contractors or grantees;
    • Dissemination of information intended to be limited to intra-or inter-agency use or sharing of government information;
    • Correspondence with individual persons, archival records, public filings, subpoenas or adjudicative processes;
    • Response to requests for agency records under the Freedom of Information Act, or other similar laws.

    Process

    Information review

    Information quality is integral to every step of the development of information, from its creation through its collection, maintenance, and dissemination. Organizational components of Bureau are expected to develop processes for reviewing the quality, including the objectivity, utility, and integrity, of information before it is disseminated. The processes should substantiate the quality of the information disseminated through documentation or other means appropriate to the information.

    The Bureau will disseminate information that meets high standards as confirmed by stringent internal review and approval processes. The Bureau will produce information products that are presented in an unbiased, clear, complete, and well-documented manner. It will utilize highly reliable review sources for corroboration of information, and will seek public comment as appropriate. Specialized surveys and peer reviews will utilize methodologies that are consistent with generally accepted industry standards for all aspects of survey design and implementation. The Bureau will make both original and supporting data and the source of the data available to the public when appropriate. The Bureau will utilize transparent methods consistent with its obligation to protect proprietary or confidential information. The Bureau will subject all information to editing and review.

    The Bureau will regularly review information output products to ensure their current utility to the public.

    Information collection

    Bureau adheres to OMB’s Paperwork Reduction Act (PRA) clearance process to improve the quality of information that the Bureau collects and disseminates to the public. The PRA requires the Bureau to demonstrate the “practical utility” of a proposed collection of information that Bureau plans to disseminate. Bureau will also demonstrate in PRA clearance submissions to OMB that the proposed collection of information will result in information that will be collected, maintained, and used in a way consistent with the OMB and Bureau information quality guidelines.

    Administrative complaint mechanism

    Any individual who believes that information disseminated by the Bureau does not comply with OMB or Bureau guidelines may seek correction of the information by filing a “Section 515 Complaint” with the Bureau. The process for filing a complaint is intended to be flexible, appropriate to the nature and timeliness of the disseminated information, and incorporated into the Bureaus’ information resources management and administrative practices.

    • Complaint process. A complaint may be submitted by mail, personal delivery, electronic mail, or fax using the following contact information:

    Mail: Chief Information Office
    Consumer Financial Protection Bureau
    Information Quality Program
    1700 G Street, N.W.
    Washington, DC 20552

    Email: CFPB_IQ_Submissions@cfpb.gov

    • The request for correction must include:
      • A statement that the individual is submitting a complaint pursuant to section 515 of Public Law 106-554;
      • Contact information, including name, mailing address, telephone and email address, and the name of any organization with which the individual is affiliated;
      • Identification and description of the information or data the individual is seeking to have corrected, including, for example, the number or title of the document(s) in which the information appears, the date of release, or the URL of the web page on which the information was disseminated by the Bureau;
      • A statement of the reasons for believing that the information or data is in error, including a statement of what the individual believes the correct information or data to be and how the information should be corrected;
      • A statement of how the disseminated information affects the individual.
    • Privacy policy: The Bureau is authorized to collect the information provided under Section 515, 44 U.S.C. § 3516. The information is necessary to process any request for correction of information disseminated by Bureau. An individual is not required to furnish the information, but failure to do so may prevent the request for correction from being processed. The information provided will rarely be used for any purpose other than to process and respond to a request; however, the Bureau may disclose information to other federal entities such as Congress or the Department of Justice if required to do so by federal law.
    • The individual filing the complaint has the responsibility to clearly present the basis for the section 515 complaint. The Bureau may determine that the complaint does not meet the threshold requirements for processing, either because required elements are not addressed or because the allegations are too vague for the Bureau to take action. The burden of proof falls on the individual filing the complaint to show both that he or she is an affected party and that the information needs to be changed. An individual whose complaint is rejected may file an appeal in accordance with the procedures set forth below.

    The Bureau will respond to a complaint and/or request for correction in writing within 60 days of receipt. If additional time beyond 60 days is required, the Bureau will notify the petitioner. The complaints manager will review the complaint for formal sufficiency and identify the appropriate organization for evaluating and responding to each complaint. The organizational component responsible for disseminating the information will determine whether an adequate case has been presented to require correction of the information and or data identified in the complaint.

    Administrative appeal process

    If a petitioner is not satisfied with the Bureau response to a Section 515 complaint, the petitioner may administratively appeal the initial decision. Any such appeal must be submitted to the organization component that disseminated the information within 30 calendar days of receipt of the initial decision. The appeal must identify the original request for correction and describe how the Bureau response failed to resolve the request. The appeal will be evaluated by a Bureau official other than the initial reviewer who has organizational knowledge of the information sought to be corrected. Bureau will respond to the appeal in writing within 60 calendar days of receipt. If the response will require an extended period for review, the Bureau will notify the petitioner.

    Requests concerning information on which the Bureau sought public comments

    The correction and appeal process set forth in these guidelines does not apply upon first publication to information disseminated by the Bureau through a comprehensive public comment process – e.g., Federal Register notices of proposed rulemakings, regulatory analyses, and requests for comments on information collections subject to the Paperwork Reduction Act. In most cases, comments concerning the quality of the disseminated information can be addressed through these procedures, such as by responding to a request for correction of the information in the preamble to a final rule. In unusual circumstances, the Bureau may determine that earlier consideration of such comments in accordance with these guidelines would be appropriate. For example, the procedures set forth in these guidelines should be used if the commenter has shown a reasonable likelihood of suffering actual harm if the comment is not resolved before issuance of the final action and the Bureau determines that resolving the matter pursuant to these guidelines will not unduly delay the final action.

    The Bureau will regularly review information products that have been disseminated to the public to ensure that they continue to meet high standards of quality, including objectivity, utility, and integrity.

    Responsibilities

    The Chief Information Officer will:

    • Provide management and oversight to the Bureau-wide implementation of the guidelines
    • Develop and issue final Bureau information quality guidelines and post them on the Bureau website
    • Coordinate appropriate component guidance development with affected organizational units
    • Report to the Director of OMB on the number of and nature of complaints regarding compliance with the guidelines for the quality of disseminated information and how such complaints were resolved

    Organizational components will:

    • Designate a point of contact for compliance with the information quality processes within their organization
    • Develop, if necessary, information quality standards for ensuring and maximizing quality, objectivity, utility, and integrity of information, including statistical information, consistent with these guidelines
    • Designate individual(s) responsible for reviewing and deciding the initial review of complaints and individual(s) responsible for reviewing and deciding appeals

    Reporting requirements

    Bureau will consider public comments received in response to publication of these draft guidelines, and submit revised guidelines to OMB for review. Bureau will post notice of the availability of final guidelines in the Federal Register and post the final guidelines approved by OMB on its website. Bureau will provide annual reports to OMB indicating the number and nature of complaints received concerning agency compliance and how such complaints were resolved.

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    Buying a house:
    Tools and resources for homebuyers

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    Whether you’re just thinking about buying a home or about to close, we help you take control of the process.

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    Beware of Mortgage Closing Scams

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    Scammers are targeting homebuyers, days before closing on their new home. A few simple steps can protect you and your life savings.

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    We're on your side

    Choosing the right home loan is just as important as choosing the right home. Use our tools and resources to know what to expect—and what questions to ask—every step of the way.

    Get started with our roadmap or explore all our tools and resources below.

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    Before you make an offer on a home

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    1. Prepare to shop

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    Not sure how to get started, how much you can afford, or what to expect when buying and financing a home? Set yourself up for success with a little bit of preparation.

    Get started

    Key tools

    Credit report checklist

    Spending tracker


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    2. Explore loan choices

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    Once you have a pretty good idea of your priorities and budget, you're ready to start home shopping in earnest. Now is also the time to start exploring loan choices and meeting with lenders.

    Get started

    Key tools

    Understand loan options

    Explore interest rates 

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    After you make an offer on a home

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    3. Compare loan offers

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    Once you’ve found the right home, it’s time to find the right mortgage. Get official loan offers from lenders, compare your options, and choose the loan offer that's right for you.

    Get started

    Key tools

    Explore interest rates

    Loan Estimate explainer

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    4. Get ready to close

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    Once you've chosen a mortgage loan, it’s time to focus on the closing process. There will be lots of paperwork to submit and things to keep track of. We lay it out for you step by step.

    Get started

    Key tools

    Closing checklist

    Closing Disclosure explainer

    Guide to closing forms

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    Paying for College

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    We explain the ins and outs of student financial aid and repaying loans to help you make smarter decisions about how to pay for school.

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    Understand your financial aid offer

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    Not sure what your offer means for your future? This tool helps you make a plan to pay for costs that your offer doesn't cover. If you're looking at student loans, it helps you decide how much you can afford to borrow. We also break down confusing jargon, give money saving tips, and point out pitfalls to be aware of.

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    Repay your student loans

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    Get to know your rights and responsibilities as a student loan holder. Investigate options for your specific situation, including income-based repayment and consolidation loans.

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    Explore federal student loan cancellation and forgiveness

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    Get information and answers to frequently asked questions about student loan forgiveness programs and one-time federal student loan cancellation.

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    Student financial guides

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    For many people, how to pay for a college education is one of the first major financial decisions they'll make. These guides cover some of the big decisions you’ll face and will help you understand your options for financing your college education.

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    Student loans

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    If you’re considering student loans to help you pay for school, you’re not alone – many students need loans to cover their full cost of attendance. If you have to take out student loans, comparing your options can help you find the student loan best suited for your needs.

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    Student banking

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    Unlike that first school ID photo, your first banking relationship could last long after you graduate. Making a smart decision now will mean fewer surprise fees that can add up later.

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    Financial inTuition podcast

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    Learn tips and strategies on how to make more informed financial decisions around managing money, saving, and paying for higher education, and repaying student loan debt.

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    Student loan FAQs

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    The student loan portal will help those prepping for college, already in college or repaying student loan debt. We have tools and resources available to help students make the best decision for them.

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    Student loan forgiveness

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    This page will help you navigate federal student loan forgiveness options and one-time federal cancellation, and help you answer questions about whether you qualify or how to apply. These benefits are only available on federal student loans.

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    Keep an eye out for scammers. You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. This is a scam. You never have to pay for help with your federal student aid. Make sure you work only with ED and your loan servicers, and never reveal your personal information or account password to anyone. Verified emails to borrowers come from noreply@studentaid.gov, noreply@debtrelief.studentaid.gov, or ed.gov@public.govdelivery.com.

    Here are some other warning signs that you may be dealing with a student loan cancellation scam and what to do if you are contacted by a scammer.

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    Public Service Loan Forgiveness (PSLF)

    PSLF allows qualifying federal student loans to be forgiven after 120 qualifying payments (10 years), while working for a qualifying public service employer.

    If you work or have worked in public service such as government (federal, U.S. Military, state, local, or tribal) or certain non-profit organizations, you might be eligible for the PSLF Program.

    Visit the Department of Education’s website for the latest PSLF guidance.

    How to qualify for Public Service Loan Forgiveness

    Getting PSLF will require careful attention to detail. Here are some tips to achieve forgiveness as painlessly as possible.

    Make sure you qualify

    Use the PSLF Help Tool to figure out your next steps. This tool is provided by the U.S. Department of Education (ED) and is free to use. Submit the forms suggested by the PSLF Help Tool to document your qualifying employment and receive credit for your monthly payments.

    Make sure you have the right type of loans

    Only federal Direct Loans can be forgiven through PSLF. If you have other federal student loans such as Federal Family Education Loans (FFEL) or Perkins Loans you may be able to qualify for PSLF by consolidating into a new federal Direct Consolidation Loan. To learn more about consolidation visit the Department of Education’s website .

    Keep proof of your payments

    Save your digital receipts or monthly statements—for every payment!

    Check your payment tally

    The PSLF Help Tool tracks your progress to 120 qualifying payments. Check it regularly to make sure it matches your records. You do not have to make the 120 qualifying payments consecutively.

    Keep in mind: Some borrowers have reported that their servicers’ payment tallies do not match their personal records. Contact the servicer to try to resolve this issue. Submit a complaint with the CFPB or Federal Student Aid (FSA) if you run into this problem.

    Understand the CARES Act Payment Pause

    Paused payments count toward PSLF as long as you meet all other qualifications. You will get credit as though you made monthly payments. Visit ED for more information on the payment pause and PSLF .

    Request credit for deferments and forbearances

    Deferments prior to 2013 and extended periods of forbearance will be automatically counted as qualifying payments. To request credit for shorter forbearances—less than 12 months in a row, or under 36 months altogether—file a complaint with the FSA Ombudsman .

    Note: New changes to IDR plans can affect your PSLF loan payment count. Visit Department of Education website to learn more .

    Set a yearly reminder to do your paperwork

    You will need to recertify your income-driven repayment plan each year. We also recommend that you recertify your employer each year —the PSLF Help Tool will guide you to the form you’ll need to complete and submit.

    You can appeal if you’re denied

    ED offers an online form to request your PSLF/TEPSLF denial be reconsidered . To prepare to fill out the form, gather information about the payments you believe should be counted. This includes the dates of these payments; tax information for your public service employer at that time; and digital proof of your employment and payments, such as W2 forms and letters or statements from the loan servicer.

    Stay out of default

    If your federal loans go into default, you will need to rehabilitate or consolidate them to get back on track to qualify for PSLF. Compare which option may be best for you .

    Stay on track for loan forgiveness

    Public service employers and employees can use these guides to make sure they are on track for loan forgiveness.

    Income-driven repayment forgiveness

    Most federal student loans are eligible for at least one income-driven repayment plan . Income-driven repayment (IDR) plans cap your monthly payments based on your income and family size. If your income is low enough, your payment could be as low as $0 per month.

    Depending on the IDR plan, the remaining balance on your loans may be forgiven after 20 or 25 years of repayment.

    One-time adjustment to fix IDR loan forgiveness

    On April 19, 2022, Department of Education (ED) announced several changes and updates that will bring borrowers closer to forgiveness under IDR plans. ED will do a one-time adjustment to count any month spent in repayment, some deferment periods (prior to 2013), and some forbearance periods toward loan forgiveness. For some borrowers, these changes mean that they will receive additional years of credit toward loan forgiveness. If you have loans that have been in repayment for more than 20 or 25 years, those loans may immediately qualify for forgiveness.

    Borrowers who have reached 20 or 25 years (240 or 300 months) worth of payments for IDR forgiveness may see their loans forgiven in Spring 2023. ED will continue to discharge loans as borrowers reach the required number of months for forgiveness. All other borrowers will see their loan accounts updated in 2024.

    TIP: No student loan borrower will have to pay any fees to receive their credit toward forgiveness. If someone asks you to pay them to get you loan forgiveness, it’s a scam. What counts towards the 20 or 25 years required for IDR forgiveness?

    • Any months with time in repayment status (regardless of the payments made, loan type, or repayment plan).
    • 12+ months of consecutive forbearance or 36+ months of cumulative forbearance.
    • Months spent in economic hardship or military deferments after 2013.
    • Months in deferment prior to 2013 (except in-school deferment).
    • Any time in repayment prior to consolidation on consolidated loans.

    What loans qualify for the IDR one-time adjustment?

    Only federal student loans managed by Department of Education (ED) qualify for the one-time IDR adjustment. Borrowers with Direct Loans or federally-managed FFELP loans will not have to take any action in order to benefit under the one-time account adjustment. Any borrower with ED-held loans that have accumulated time in repayment of at least 20 or 25 years will see automatic forgiveness, even if the loans are not currently on an IDR plan.

    Borrowers with FFELP loans held by commercial lenders or Perkins loans not held by ED can benefit if they consolidate into Direct Loans. Borrowers must consolidate by the end of 2023, in order to benefit from the one-time IDR account adjustment. Borrowers can apply for a Direct Consolidation Loan online or with a paper form .

    TIP: Not sure what type of loan you have? Log into StudentAid.gov using your FSA ID and select “My Aid” under your name. That page will display information about your federal loan amounts, including whether your loans are Direct or commercial FFELP. For more information, contact your student loan servicer.

    Learn more information about the IDR fixes on the Department of Education’s website .

    How to enroll in an income-driven repayment plan

    If you have a federal student loan, you may be able to enroll in an IDR plan online. The Department of Education’s (ED) online IDR plan enrollment website will tell you what types of loans you have. It is the best place to start if you need to enroll in income-driven repayment plan.

    Repayment periods for IDR plans

    IDR plans have different repayment periods.

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    PlanRepayment term and forgiveness

    Revised Pay As You Earn (REPAYE)

    20 years if all loans you're repaying under the plan were received for undergraduate study. The remaining balance will be forgiven after 20 years.

    25 years if any loans you're repaying under the plan were received for graduate or professional study. The remaining balance will be forgiven after 25 years.

    Pay As You Earn (PAYE) 

    20 years. The remaining balance after 20 years will be forgiven.

    Income-Based Repayment (IBR)

    20 years if you're a new borrower on or after July 1, 2014. The remaining balance will be forgiven after 20 years.

    25 years if you're not a new borrower on or after July 1, 2014. The remaining balance will be forgiven after 25 years.

    Income-Contingent Repayment (ICR) 

    25 years. The remaining balance will be forgiven after 25 years.

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    The CFPB has adopted plain language as a core principle for all consumer-facing content. That means we apply plain language principles in all of our consumer materials.

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    We follow plain language guidelines when creating materials that:

    • Provide information to help consumers make financial choices to meet their own life goals
    • Provide information to consumers about their rights under the federal consumer laws
    • Inform consumers about the CFPB activities

    See our reports to Congress

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    Our work

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    As outlined in the Plain Writing Act , the CFPB is committed to using plain language to ensure that our publications are accessible to the public.

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    Plain writing feedback

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    See something on our website or in our materials that is not written in plain language? Let us know. 

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    Privacy Act Statement for Email Campaign Subscribers

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    5 U.S.C. 552a(e)(3)

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    The information you provide will permit the Consumer Financial Protection Bureau (CFPB) to process your request and send you information about the CFPB, its work, and other information related to financial education, regulation, and enforcement.

    The Bureau may collect personally identifiable information (PII) such as email address, name, and mobile telephone numbers, along with other basic contact information.

    Information collected by the CFPB is treated in accordance with the System of Records Notice (SORN) CFPB.011 CFPB Correspondence Tracking Database. Although the Bureau does not anticipate further disclosing the information provided, it may be disclosed as indicated in the Routine Uses described in the SORN.

    This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013, codified at 12 U.S.C. §§ 5491, 5492, 5493.

    You are voluntarily providing this information to the CFPB and may withdraw your subscription at any time. However, if you do not provide the information, we may not be able to process your request.

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    Privacy Act Statement for Email Subscribers

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    5 U.S.C. 552a(e)(3)

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    The information you provide will permit the Consumer Financial Protection Bureau (CFPB) to process your request and send you information about the CFPB, its work, and other information related to financial education, regulation, and enforcement.

    The CFPB may collect personally identifiable information (PII) such as email address, name, and mobile telephone numbers, along with other basic contact information.

    Information collected by the CFPB is treated in accordance with the System of Records Notice (SORN) CFPB.011 CFPB Correspondence Tracking Database. Although the CFPB does not anticipate further disclosing the information provided, it may be disclosed as indicated in the Routine Uses described in the SORN.

    This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013, codified at 12 U.S.C. §§ 5491, 5492, 5493.

    You are voluntarily providing this information to the CFPB and may withdraw your subscription at any time. However, if you do not provide the information, we may not be able to process your request.

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    Privacy

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    We collect only the minimum amount of personally identifiable information (PII) we need, whether it is to assist with your issue or to work on consumer issues broadly.

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    Personally identifiable information is defined as "information that can be used to distinguish or trace an individual's identity, either alone or when combined with other information that is linked or linkable to a specific individual."

    Before we collect PII we tell you what we are collecting, why we are collecting it, and how we are going to use it. We work to ensure that the PII we have about you is accurate, relevant, timely, and complete.

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    Our work

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    Privacy Impact Assessments (PIAs)

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    Privacy Impact Assessments (PIAs) identify and mitigate privacy risks. We conduct our PIAs using a standard template based on a series of questions about how we ensure consistency with each principle.

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    System of Records Notices (SORNs)

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    System of Records Notices (SORNs) describe personal information that we receive, why we receive it, how we use it, and why and how we may share it.

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    Privacy policy

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    The Bureau can be more effective in its mission where trust exists between consumers and the agency that works to protect them. At the CFPB, the Chief Privacy Officer leads the Privacy Team in building and maintaining that trust, and is responsible for all of the CFPB’s privacy compliance and operational activities. The privacy policy highlights our commitment to privacy.

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    We take protecting your personal digital privacy extremely seriously. We have outlined consumerfinance.gov policies and procedures on the collection, use, and disclosure of your information.

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    Privacy policy for non-U.S. citizens

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    As a matter of discretion, the CFPB will treat any PII that it maintains in its mixed systems of records as being subject to the provisions of the Privacy Act, regardless of whether or not the information relates to U.S. persons covered by the Privacy Act.

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    Amend information on record

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    If you know or suspect that the CFPB has information about you that is inaccurate, irrelevant, untimely, or incomplete, the Privacy Act allows you to request that the information be corrected or amended.

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    File a privacy complaint

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    We take your privacy seriously, and have created a process by which you can formally file a complaint with our Chief Privacy Officer.

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    Disclosures of records and information

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    Read the final rule that established procedures for the public to obtain information from the CFPB, and learn how to submit your request and consent forms.

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    Website privacy policy and legal notices

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    We take protecting your personal digital privacy seriously. This page describes consumerfinance.gov policies and procedures on the collection, use, and disclosure of your information.

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    What information is collected?

    Traffic statistics

    Like many websites, we use “persistent cookie” technology. Persistent cookies are small text files that this website places within your browser so that it can remember you when you show up again later—like cookie crumbs. These cookies may collect non-identifying information, such as the type of browser and browser version you are using to access our website, the day and time you access our website, the referring website that linked you directly to our website (if you arrived here by clicking a link on another website), and limited geographic information. None of these cookies store any of your personal information.

    We also use a tool called Google Analytics to see how visitors are using consumerfinance.gov. Google Analytics uses persistent cookies for the collection of web metrics, and to track visitor interactions; however, traffic statistics for this website are only reported to us anonymously and in the aggregate. We may in turn share these traffic statistics with other government agencies.  

    Most Internet browsers automatically accept persistent cookies. Although persistent cookies help us create a better experience for you, most of this website will also work without them. If you don’t want to accept cookies, you can change your browser’s options to not accept them or to prompt you before accepting them. Here’s how to disable cookies.

    Personal information

    Some parts of our website let you voluntarily provide personal information, such as your name or e-mail address. For example, you can provide us with your contact information to sign up for e-mail alerts or to post comments to our blog. We do not collect this information when you visit our website unless you choose to provide it to us. When you provide it to us, we only use it for the purposes of communicating with you, furthering our consumer protection activities, and providing information you request.

    The CFPB does not send emails that ask you directly to respond to a complaint against your company, or to submit your own personal information. Unless otherwise noted, contact information collected through this website is governed under the Privacy Act Statement.

    The CFPB is committed to the protection of children’s online privacy under the Children’s’ Online Privacy Protection Act (COPPA). If a visitor to our website tells us that he or she is under the age of 13, we do not collect any personal information from that person.

    For more information about how we manage our blog, please see Our commenting and moderation policy.

    Storing and protecting your information

    If you choose to provide your personal information, it will be stored and protected appropriately.  We will only use the information for the purpose provided, and it will be destroyed after the purpose is fulfilled.  You can learn more about how we retain and protect your information in our System of Records Notice and accompanying Privacy Impact Assessment.

    CFPB information systems may be protected by EINSTEIN cybersecurity capabilities, under the operational control of the U.S. Department of Homeland Security’s United States Computer Emergency Readiness Team (US-CERT).  Electronic communications with CFPB may be scanned by government-owned or contractor equipment to look for network traffic indicating known or suspected malicious cyber activity, including malicious content or communications.  Electronic communications within CFPB will be collected or retained by US-CERT only if they are associated with known or suspected cyber threats.  US-CERT will use the information collected through EINSTEIN to analyze the known or suspected cyber threat and help CFPB and other agencies respond and better protect their computers and networks.

    For additional information about EINSTEIN capabilities, please see the EINSTEIN program-related Privacy Impact Assessments available on the DHS cybersecurity privacy website  along with other information about the federal government’s cybersecurity activities.

    What information is shared?

    Sometimes, we share personal information that you provide to our website, both within the CFPB and outside of it. We have posted a System of Records Notice  that provides details about how we may do this. In particular, this Notice describes what information we share, with whom, and for what purposes.

    Within the CFPB

    We may use your information to contact you if you identify yourself in an e-mail, comment, or other communication and provide us with your contact information. Bureau employees and contractors may use your information to complete your request, such as signing up for e-mail updates, and maintaining distribution lists. Our contractors may view and use your information when operating consumerfinance.gov, or systems that collect data through the website, on our behalf.

    With other government agencies

    We work with other government agencies to investigate complaints, coordinate law enforcement investigations, cooperate with oversight investigations, or further consumer protection activities. In some cases, we are required or authorized by law to share personal information with other agencies. When we do so, we ensure appropriate protections are in place.

    Outside the federal government

    If you provide comments in response to a request – by commenting on our blog, for example – we may make your comments available to the public either in a publication or by posting that information on our website. We may also make public the username or alias associated with your comments.

    In addition, we may disclose information in response to court orders, subpoenas, Freedom of Information Act requests, Congressional requests, and as otherwise required by law.

    Please note that separate privacy policies apply when you submit comments to the CFPB’s blog and file complaints with the CFPB. You should refer to these policies as they may differ from those described above.

    External links and social media

    This website includes links to other websites. When you click a link to an outside website, the privacy and security policies of that website apply. Non-federal websites do not necessarily operate under the same laws, regulations, and policies as federal websites.

    Regardless of content that we link to from consumerfinance.gov or our social media accounts, we do not endorse any commercial product, service, process, or enterprise. We link to other websites and refer to commercial products or enterprises solely for your convenience and education. We cannot assume any responsibility for the content or operation of other websites.

    More information about the Bureau’s use of social media can be found in our Social Media PIA .

    Monitoring and protecting consumerfinance.gov

    We monitor use of consumerfinance.gov to keep the website secure and available to all users. We employ software that monitors network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage to the website. Part of this process involves collecting non-identifying information about you, such as your internet protocol address, the day and time you access our website, and the address that linked you directly to our website (if you arrived here by clicking a link on another website). By using consumerfinance.gov you expressly consent to such monitoring. If our monitoring reveals evidence of possible abuse or criminal activity, we may provide such evidence to appropriate law enforcement officials. Unauthorized attempts to upload information and/or change information on this website are strictly prohibited and may be punishable by law, including the Computer Fraud and Abuse Act of 1986 and 18 U.S.C §§ 1001, 1030 .

    Legal notices

    Copyright and trademark

    Website content: Information created by the Consumer Financial Protection Bureau is in the public domain and you may reproduce, publish, or otherwise use it without the Bureau’s permission. Please consider appropriate citation to the Bureau as the source. Copyrighted materials created by entities outside of the Bureau also may appear on this website, or may be reached through a link on this website. Copyright and other intellectual property laws may apply to your use of those materials.

    Bureau trademarks: The Bureau’s logo, as well as the name Consumer Financial Protection Bureau are registered trademarks. Your use of them must comply with intellectual property laws.

    Liability

    The government assumes no legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process described or depicted on this website. Finally, the government does not represent that the use of any such information, apparatus, product, or process would not infringe privately owned rights.


    Revised December 2016

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    Junk fees

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    The CFPB launched an initiative to save households billions of dollars a year by reducing exploitative junk fees charged by banks and financial companies.

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    There’s a growing concern that banks and other financial companies seem to be making these junk fees, like overdraft fees, part of their core business model.

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    Surprise depositor fees

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    Surprise depositor fees include the practice of indiscriminately charging fees to every person who deposits a check that bounces.

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    Surprise overdraft fees

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    Surprise overdraft fees, includes fees charged when consumers reasonably expected they had enough money in their account to cover a charge at the time the bank authorizes it.

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    Research and Reports

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    Types of rules listed on this page

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    Types of rules listed on this page

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  • - Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, on the Final Rule Implementing the Community Reinvestment Act + href="/about-us/newsroom/cfpb-proposes-new-federal-oversight-of-big-tech-companies-and-other-providers-of-digital-wallets-and-payment-apps/"> + CFPB Proposes New Federal Oversight of Big Tech Companies and Other Providers of Digital Wallets and Payment Apps

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  • - Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, on the Proposed Rule Regarding Lifetime Banking Bans for Certain Criminal Offenses + href="/about-us/newsroom/statement-of-cfpb-director-rohit-chopra-member-fdic-board-of-directors-on-the-final-rule-implementing-the-community-reinvestment-act/"> + Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, on the Final Rule Implementing the Community Reinvestment Act

    diff --git a/www.consumerfinance.gov/tribal/index.html b/www.consumerfinance.gov/tribal/index.html new file mode 100644 index 000000000000..4538a319a51c --- /dev/null +++ b/www.consumerfinance.gov/tribal/index.html @@ -0,0 +1,1407 @@ + + + + + + + Working with tribal governments | Consumer Financial Protection Bureau + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +

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    Working with tribal governments

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    It’s crucial that our work meets the needs of consumers in Indian Country and respects the unique relationship between the federal government and tribal nations.

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    Part of our commitment to protecting consumers across the country means paying particular attention to the needs and concerns of Indian Country.

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    Information for Tribal Regulatory Authorities

    Below are resources which Tribal Regulatory Authorities should find useful as they supervise companies that provide consumer financial products or services.

    Exam manual 

    The CFPB’s guide for examiners to use in overseeing companies that provide consumer financial products or services. The manual describes how the CFPB supervises and examines these companies and gives examiners direction on how to assess compliance with federal consumer financial laws.

    Supervisory Highlights

    The CFPB periodically publishes Supervisory Highlights to share key examination findings. These reports also communicate operational changes to CFPB’s supervision program and provide a convenient and easily accessible resource for information on recent guidance documents.

    List of institutions subject to supervisory authority

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