Getting to know yourself in .NET framework

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Getting to know yourself
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Character and capacity for debt are the two criteria lenders take into account when deciding whether to grant you a mortgage The two factors are unique yet in many ways interdependent Your capacity for debt will indicate how much debt you can realistically handle, while your character will give the lender an idea of how you re likely to handle that debt under different circumstances
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Part II: Preparing to Buy: Financing Real Estate Investments
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So, you ve requested your credit report and found out why the lenders have been denying you that mortgage you desperately need What to do First off, review it to make sure the information is correct This is especially important if your credit rating has been ruined by identity theft If anything is inaccurate or not updated, you can write to the credit reporting agency and set out your side of the story This is added to your report history, so that potential lenders can see your version of events You should also contact your creditors to request that they immediately update their records and remove any inaccurate or incorrect information that may be hurting your credit rating The credit rating agency will only remove the offending information at your creditors request After you update your credit bureau history, review your credit history to see whether any black marks can be improved For example, pay your monthly credit charges on time to establish a reliable pattern If your credit history is poor, consider speaking to a credit counsellor about consolidating your loans or establishing a system for the orderly payment of your recurring debts whereby you make just one payment to the credit counsellor company, which then pays the other creditors Every province has this type of service available to assist people in improving their credit history Contact information for credit counsellors is readily available in the phone book
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Character and capacity for debt made headlines in Canada in early 2010 when the federal government announced changes to make the criteria for five-year fixed-term mortgages the baseline for all mortgages both those of less than five years and the traditionally more flexible variable-rate products Regulators in Ottawa wanted to make sure borrowers could handle real estate debt in the face of a potential rise in interest rates They also wanted to prevent eager bankers from inducing a US-style housing meltdown north of the border (see the sidebar Subprime low-down for more) The main verification of your character the lender seeks to ensure you can handle a mortgage is a credit check The lender also wants to know your employment history, and the stability of the sector in which you work A letter from your employer (if you have one) that confirms your position, length of time with the employer, and salary is important If you re selfemployed, be ready to provide copies of your financial statements and/or tax returns for the past three years Historically, self-employed individuals have been considered higher risks than those with conventional employment, but this attitude is steadily changing The greater stability you can demonstrate in both your credit and employment history, the better you appear to a potential lender Be ready to make a forceful case for yourself, and negotiate the best possible mortgage!
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7: Getting Help: Mortgages and Other Financing
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Some lenders will work with you to identify the various payments you would make on a mortgage at varying interest rates This not only is important in determining your ability to service a variable-rate mortgage, but also helps you plan and strategize for potential interest rate increases at the end of your term If your lender doesn t offer this service, talk with your accountant to get a better handle on how changes in interest rates might affect your ability to service your mortgage We discuss strategies for handling rising interest rates in the section Limiting Risk Calculating your total debt-service ratio will give you an idea of how much debt you can handle, and the size of mortgage a lender may be willing to grant To secure a mortgage that allows you to consider the broadest range of properties, back up your case with an accurate statement of your assets and liabilities and detail the exact financing (and sources) you intend to supply Identify strategies, such as renting a suite, that may convince the lender you can support a larger mortgage than usual for that particular property Presenting a sound financial plan developed with the help of your accountant or financial planner could help make your case stronger and sway the lender in your favour Don t forget to seek the help of these advisers! A relatively simple way to determine the amount of mortgage available to you is to consult the mortgage calculators available on the sites of the Canada Mortgage and Housing Corporation (wwwcmhcca) and Genworth Financial Canada (wwwgenworthca) The calculators will be able to provide customized calculations for your personal situation Still having trouble Contact the mortgage rep at your bank or credit union, or a mortgage broker, and request the information you re looking for You usually receive it at no cost or obligation
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