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Bankruptcy Recovery Guide : Free tips & resources about how to recover from bankruptcy. ÆÄ»ê º¹±¸ ¾È³» : ¹«·á ÆÁ & ¸®¼Ò½º¸¦ ÆÄ»ê¿¡¼­ º¹±¸ÇÏ´Â ¹æ¹ý¿¡ ´ëÇØ.
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A Few Tips to Refinancing Your Mortgage ¸î °¡Áö µµ¿ò¸»À» ±ÍÇÏÀÇ ÁÖÅà ´ãº¸ Á¤ÀåÀ»


When you feel like you can make use of mortgage refinancing as a means to get to the credit happy zone again following a bankruptcy, it can be difficult for you to know that it¡¯s the right thing for you. ¾ðÁ¦·Î¼­ ½Å¿ëÀ» ´Ù½Ã ÆÄ»ê ¿µ¿ªÀ» ¾òÀ¸·Á¸é ´ÙÀ½°ú ÇູÀÇ Àǹ̸¦ ´ãº¸ Á¤ÀåÀÇ »ç¿ëÀ» ¸¸µé ¼öÀÖÀ» °Í °°°í ±×°Í ´ç½ÅÀ» À§ÇØ ´ç½ÅÀÌ ¿ÇÀº °ÇÁö, ±×°Íµµ ¾î·Á¿ï ¼öÀÖ½À´Ï´Ù. It can also be quite frightening. ±×°Íµµ ²Ï ¹«¼·³× ¼öÀÖ½À´Ï´Ù. For a few people, doing this can offer a great deal of financial advantages, and for others, it might never be worthwhile. ¸î »ç¶÷À» À§ÇØÇÏ´ÂÀÌ, ±×¸®°í ´Ù¸¥ »ç¶÷À» À§ÇØ, ±×°ÍÀÌ º¸¶÷ÀÌÀÖÀ» ¸øÇÒÁöµµ ¸ð¸¥´Ù´Â ÀåÁ¡ ´ë´ÜÇÑ ±ÝÀ¶ °Å·¡¸¦ Á¦°øÇÒ ¼öÀÖ½À´Ï´Ù. You should think about using a refinancing mortgage offer after you ask yourself these following questions: ÀÌÈÄ ´ç½ÅÀÌ ´ÙÀ½°ú °°Àº Áú¹®À» ¹°¾î ´ç½ÅÀº Á¤ÀåÀ» »ç¿ëÇÏ¿© ´ãº¸ Á¦°ø¿¡ ´ëÇØ »ý°¢ÇؾßÇÑ´Ù :

• For how long do you plan to be in the house? • À§ÇØ ¾ó¸¶³ª ¿À·§µ¿¾È Áý¾È¿¡ÀÖÀ» ¿¹Á¤ÀԴϱî? Is it long enough to make refinancing worthwhile? Á¤Àå ÀÖµµ·Ï ÃæºÐÈ÷ °¡Ä¡°¡ ÀÖ³ª¿ä?

• How much higher will the interest rate be on your new loan thanks to your new found bad credit? • ¾î¶»°Ô ÈξÀ ´õ ³ôÀº ÀÌÀÚÀ²ÀÌ ±ÍÇÏÀÇ »õ ´ëÃâ ½Å¿ë ºÒ·® ´öºÐ¿¡ »õ·Î¿î ¹ß°ß¿¡ÀÖÀ» °ÍÀΰ¡?

• Are you already paying for private mortgage insurance or not? • ÀÌ¹Ì ¹Î°£ ¸ð±âÁö º¸ÇèÀ̳ª ¾È ¾²´Â °Ç°¡¿ä?

• How much will the closing costs be on the new loan? • ¾ó¸¶³ª ¸¹Àº ºñ¿ëÀ» ´Ý´Â »õ·Î¿î ´ëÃâ¿¡ÀÖÀ» °ÍÀΰ¡?

• Are there any additional charges and fees that will make the loan less affordable to pay back? • °Å±â¿¡ ¾î¶°ÇÑ Ãß°¡ ºñ¿ëÀÌ Àú·ÅÇÏ°í ´ëÃâÀ» Àû°Ô ÁöºÒÇÏ°Ô µÉ ¼ö¼ö·á¸¦ ´Ù½Ã ÀÖ½À´Ï±î?

• Does the amount of equity that you have built up make an equity refinance loan more approachable? • ÀÚº»ÀÇ ±¸ÃàÀ» ±× ÁÖ½ÄÀ» ´õ °¡±îÀÌ ÀçÀ¶ÀÚÇÏ°Ô ´ëÃ⠱ݾ×ÀÌ ÀÖ½À´Ï±î?

• Do you plan to do cash-out refinancing later on or not? • Çö±ÝÀ¸·Î ÇÒ °èȹÀε¥ - ³ªÁß¿¡ Á¤ÀåÀ̳ª ¾È ³ª°¡?

• Can you really afford it? • ´ç½ÅÀº Á¤¸» °¨´çÇÒ ¼ö ÀÖ½À´Ï±î?

If you¡¯ve been asking yourself whether or not mortgage refinancing is a good idea after you¡¯ve declared bankruptcy, I already stated that it¡¯sa great method for you to bring your credit back up more fast. Á¤Àå °æ¿ì ÁÖÅà ´ãº¸ ¿©ºÎ¸¦ ½º½º·Î¿¡°Ô ¹°¾î ¿Ô´ø ÁÁÀº »ý°¢ÀÌ ÈÄ ÆÄ»êÀ» ¼±¾ðÇß°í, ³­ ÀÌ¹Ì ´ç½ÅÀ»À§ÇÑ ´õ ºü¸¥ ¹é¾÷ ½Å¿ë °¡Á®´Ù°¡ °æÁ¦ ÀûÀ̸鼭µµ ÈǸ¢ÇÑ ¹æ¹ýÀ» ¹àÇû´Ù. Here are a few more general mortgage refinancing tips that may help to make the process a little more easy for you in the long run: ¿©±â¿¡ Á¶±Ý ´õ ½±°Ô Àå±â ´ç½Å¿¡ ´ëÇÑ ÇÁ·Î¼¼½º¸¦ ¸¸µå´Â µ¥ µµ¿òÀ̵˴ϴ٠¸î °¡Áö ´õ ÀϹÝÀûÀÎ ´ãº¸ Á¤Àå ÆÁ :

• If you don¡¯t plan on staying in the house for a long time, refinancing might not be the right thing for you to do. •Çϸé Áý¾È¿¡ ¿À·¡ ¸Ó¹° °èȹÀÌ ¾Æ´Ñ, Á¤Àå ¿ÇÀº ÀÏÀ» À§ÇØ ´ç½ÅÀÌ ÇÒ ¼ö ¾ø°Ô µÉÁöµµ ¸ð¸¥´Ù.


• Unless you¡¯ve got an interest rate which is easy to handle, refinancing your home might cost you more money in the long run than you can ever completely and comfortably deal with. • ´ç½Å°ú ÇÔ²²ÇÏÁö ¾Ê´Â »ç¶÷º¸´Ù ´õ ¿Ïº®ÇÏ°í Æí¾ÈÇÏ°Ô ÇÒ ¼ö °Å·¡°¡ Àå±âÀûÀ¸·Î ´õ ¸¹Àº µ·À» ºñ¿ëÀ¸·Î ½±°Ô ó¸®ÇÒ ¼öÀÖ´Â ±Ý¸®, ³× ÁýÀº Á¤ÀåÀÖ¾î.

• If you do take out a mortgage, you should keep your eye on the rates; especially if they¡¯re offering variable ones as they will tend to change on you. •¸é, ´ç½ÅÀº ¼Óµµ¿¡ ÁÖ½ÃÇØ¾ß ÇÒ ´ãº¸ ²¨³»;À¸·Î ±×µéÀÌ ´ç½ÅÀ» º¯°æÇÏ´Â °æÇâÀÌ µÉ »ç¶÷µé, ƯÈ÷ ±×µéÀÌ º¯¼ö¸¦ Á¦°ø. Bad credit refinancing won¡¯t offer you fixed rates. ½Å¿ë ºÒ·® Á¤Àå ´ç½ÅÀÌ °íÁ¤ ±Ý¸®¸¦ Á¦°øÇÏÁö ¾Ê½À´Ï´Ù.

• Choose a refinancing mortgage loan only if it can help you. • ´ç½ÅÀ» µµ¿ï ¼öÀÖ´Â °æ¿ì¿¡¸¸ Á¤Àå ÁÖÅà ´ãº¸ ´ëÃâÀ» ¼±ÅÃÇϽʽÿÀ. If you can¡¯t handle it any longer, you might find yourself back in bankruptcy or even worse. ´õ ÀÌ»ó °¨´çÇÒ ¼ö ¾ø´Ù¸é, ´ç½ÅÀº ÆÄ»êÇϰųª ´õ ¾ÇÈ­ ÀÚ½ÅÀ» ´Ù½Ã ãÀ» ¼öÀÖ½À´Ï´Ù.

• If you are paying a private insurance on your current mortgage, refinancing might help you to get rid of this additional cost. • ¸¸¾à ´ç½ÅÀÌ ÇöÀçÀÇ ¸ð±âÁö¿¡ ´ëÇØ ¹Î°£ º¸ÇèÀ» ÁöºÒÇÏ´Â µ¥ µµ¿òÀÌ µÉ ´ç½Å¿¡°Ô Á¤ÀåÀÌ Ãß°¡ ºñ¿ëÀ» »©½Ã¿À.

• Closing costs when you have bankruptcy to deal with can be very bad. • ÈÞÀÏ ºñ¿ë 󸮸¦ ÇÒ ¶§ ¾ÆÁÖ ³ª»Û ¼ö ÆÄ»êÇß´Ù. If you would like to refinance your home to help you get out of your bankruptcy nightmare, make sure you don¡¯t forget how much the closing costs on the new loan will cost you, and make sure you can handle it. ¸¸¾à ´ç½ÅÀÌ ´ç½ÅÀÇ ÆÄ»ê ¾Ç¸ù ³ª°¥ ¼ö ÀÖµµ·Ï ´ç½ÅÀÇ Áý¿¡ ÀçÀ¶ÀÚÇÏ·Á´Â ½Å±Ô ´ëÃâ¿¡ ´ëÇÑ º¯·Ð ºñ¿ëÀº ¾î¶»°Ô ÁöºÒÇϸé, ÈξÀ ÀØÁö ¸»¶ó ±×¸®ÇÏ¸é ³ÊÈñ°¡ ±×°ÍÀ» ó¸®ÇÒ ¼ö ÀÖ´ÂÁö È®ÀÎÇϽʽÿÀ.

When you are trying to make the most of bankruptcy mortgage refinancing, the most important decisions you make will involve interest rates and the lender that you choose to go through with. ¾ðÁ¦ ¸¸µé·Á°í ³ë·ÂÇÏ´Â ¸ð±âÁö ÆÄ»ê Á¤Àå, ´ç½ÅÀº ´ç½Å°ú ÇÔ²² ±Ý¸® Àλó°ú ´ëÃâÀ» ÅëÇØ À̵¿Çϵµ·Ï ¼±ÅÃÇÒ ¼ö ÀÖµµ·Ï °ü·Ã °¡Àå Áß¿äÇÑ °áÁ¤ÀÇ ´ëºÎºÐ.

More information on the next page of our guide on bankruptcy recovery: Mortgage Options 3 ÆÄ»ê ȸº¹¿¡ ´ëÇÑ ¿ì¸®ÀÇ °¡À̵åÀÇ ´ÙÀ½ ÆäÀÌÁö¿¡ ´ëÇÑ ÀÚ¼¼ÇÑ Á¤º¸´Â : ¸ð±âÁö ¿É¼Ç 3

Bankruptcy Recovery Guide ÆÄ»êÀ» ȸº¹ ¾È³»
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Bankruptcy Procedure ÆÄ»ê ÀýÂ÷
Bankruptcy Procedure 2 ÆÄ»ê ÀýÂ÷ 2
Bankruptcy Procedure 3 ÆÄ»ê ÀýÂ÷ 3
Getting Out Of Debt 乫¸¦ ¹þ¾î³ª·Á´Â
Getting Out Of Debt 2 ºÎä 2 ³ª°¡¶ó
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Starting Credit Rebuilding ½Å¿ë Àç°ÇÇϱ⠽ÃÀÛ
Bankruptcy Advantages ÆÄ»êÀÇ ÀåÁ¡
Bankruptcy Advantages 2 ÆÄ»êÀÇ ÀåÁ¡ÀÌ
Bankruptcy Advantages 3 ÆÄ»êÀÇ ÀåÁ¡ ¼¼
Bankruptcy Advantages 4 ÆÄ»êÀÇ ÀåÁ¡ 4
Bankruptcy Advantages 5 ÆÄ»êÀÇ ÀåÁ¡ ´Ù¼¸
Secured Credit Cards ½Å¿ë Ä«µå È®º¸
Secured Credit Cards 2 ½Å¿ë Ä«µå¸¦ È®º¸ÇÑ 2
Mortgage Options ¸ð±âÁö ¿É¼Ç
Mortgage Options 2 ¸ð±âÁö ¼±Åà »çÇ× Áß 2,
Mortgage Options 3 ¸ð±âÁö ¿É¼Ç 3
Erasing Credit Damage ½Å¿ë ¼Õ»óÀ» Áö¿ì±â
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Credit Monitoring Services 2 ½Å¿ë ¸ð´ÏÅ͸µ ¼­ºñ½º¸¦ÀÌ
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Identity Theft Prevention ½Å¿ø µµ¿ë ¹æÁö
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Home Equity Options Ȩ ÁÖ½Ä ¿É¼Ç
Home Equity Options 2 ÁÖÅà ´ãº¸ ¼±Åà »çÇ× Áß 2,
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Home Equity Options 4 Ȩ ÁÖ½Ä ¿É¼Ç 4
Home Equity Options 5 Ȩ ÁÖ½Ä ¿É¼Ç 5
Common Credit Repair Tricks ÀϹÝÀûÀÎ ½Å¿ë º¹±¸ Æ®¸¯
Common Credit Repair Tricks 2 ÀϹÝÀûÀÎ ½Å¿ë º¹±¸ Æ®¸¯ÀÌ
Common Credit Repair Tricks 3 ÀϹÝÀûÀÎ ½Å¿ë º¹±¸ Æ®¸¯ ¼¼
Credit Repair Companies Lies ½Å¿ë ¼ö¸® ¾÷üÀÇ °ÅÁþ¸»
Bankruptcy Recovery: Conclusion ÆÄ»êÀ» º¹±¸ : °á·Ð