You must also try to watch out for the predatory lenders who will try to get you with the bait and switch method. ´ç½ÅÀº ´©±¸¸¦ ¹Ì³¢·Î ÀüȯÇÏ´Â ¹æ¹ýÀ¸·Î µé¾î°¡·Á°í ÇÒ °ÍÀÌ´Ù À°½Ä ´ëÃâ¿¡ ´ëÇÑ Á¶½ÉÇÏ·Á°íÇÕ´Ï´Ù. This is when a lender will reel you in by promising you one set of terms and then change them on you following your agreement. ÀÌ ¶§ ÀºÇà¿¡ ´ç½ÅÀÌ ÇÑ ¾à¼Ó¿¡ ÀÇÇØ ¼³Á¤µÈ Á¶°ÇÀÇ ´ÙÀ½ ȸÀüºÎÇÏ¸é ´ÙÀ½¿¡ ±×µéÀ» º¯È Çù¾àÀÌ´Ù. The contract will state an interest rate which is variable. °è¾àÀº º¯¼ö°¡µÇ´Â ±Ý¸® »óÅÂÀÌ´Ù. This implies that they can change it whenever they would like to. À̰ÍÀº ±×µéÀÌ ¾ðÁ¦µçÁö º¯°æÇÒ ¼öÀÖ½À´Ï´ÙÇÏ·Á´Â °ÍÀ» ÀǹÌÇÕ´Ï´Ù. Try to be aware of this trick and look out for it. ³ë·ÂÀÌ Æ®¸¯À» ¾Ë°í ÀÖ¾î¾ßÇÏ°í ±×°Í¿¡ ´ëÇÑ º¸½Ê¼î. Another common trick is referred to as loan packing. ´Ù¸¥ ÀϹÝÀûÀÎ ¸¶¼ú·Î ´ëÃâÀ» Æ÷ÀåÀ̶ó°íµµÇÕ´Ï´Ù. This is when your lender tried to get you in by insisting or even asking that you add on a bunch of other services to your loan such as insurance. ÀÌ ¶§ ÀºÇà¿¡¼ ´ëÃâÀ̳ª ÁÖÀåµµ ´ç½ÅÀÌ ´Ù¸¥ ¼ºñ½ºÀÇ ¹«¸®¿¡ º¸Çè°ú °°Àº Ãß°¡ ¿äûÇÏ¿© ¾òÀ»·Á°í ³ë·ÂÀÌ´Ù. This is not a forcible add-on and if they try to tell you that it is, they are lying. ±×µéÀº °ÅÁþ¸»ÀÌ ¾Æ´Ñ Ãß°¡ -¿¡ °Á¦ÇÏ°í ¸¸¾à ±×µéÀÌ ´ç½ÅÀÌ ±×°ÍÀÌ´Ù ¸»ÇÏ·Á°í ³ë·ÂÇß´Ù. So you will have to try to take your business somewhere else. ±×·³ ´ç½ÅÀº µý µ¥ °¡¼ »ç¾÷À»ÇÏ·Á°í ÇÒ °ÍÀÔ´Ï´Ù. Equity stripping is another trick which is used by lenders. ÁÖ½ÄÀº ä±Ç´Ü¿¡ ÀÇÇØ »ç¿ëµÇ´Â ½ºÆ®¸³ ´Ù¸¥ ¼ÓÀÓ¼öÀÔ´Ï´Ù. How this functions is that they will try to convince you to add extra items or services and they will try to get you to borrow against the loan which will decrease your equity. ¾î¶»°Ô ÀÌ·± ±â´ÉµéÀÌ Ãß°¡ Ç׸ñÀ̳ª ¼ºñ½º¸¦ Ãß°¡Çϰí, ±×µéÀÌ ¾î¶² ÁÙ¾îµç´Ù ´ëÃâÀ» »ó´ë·Î ÁÖ½ÄÀ» ºô·Á ´ç½ÅÀ» ¼³µæÇÏ·Á°í ½ÃµµÇÑ´Ù. Loan flipping is yet another tactic lenders will make use of. ÀºÇàÀÇ ´ëÃâÀ» ³»¸®°í, ¶Ç ´Ù¸¥ Àü¼úÀ» »ç¿ëÇϰԵȴÙ. They will attempt to get you to repeatedly refinance your home equity which in turn will strip your home¡¯s equity. ±×µéÀÌ Â÷·Ê·Î ȨÀ» ¹Ýº¹ÇÏ´Â ÁÖ½Ä ½ºÆ®¸³ ±ÍÇÏÀÇ ÁÖÅà ´ãº¸ ÀçÀ¶ÀÚ ´ç½ÅÀ» ½ÃµµÇÕ´Ï´Ù. They can even charge you more fees for doing it, so be careful. ±×µéÀº ½ÉÁö¾î ´ç½ÅÀÌ ±×°ÍÀ»Çϰí ÀÖÀ¸¹Ç·Î Á¶½ÉÇØ¾ß ´õ ¸¹Àº ¿ä±ÝÀ» û±¸ÇÏ½Ç ¼öÀÖ½À´Ï´Ù. Try to only take out loans that you really want and nothing more. ¿ÀÁ÷ ´ç½ÅÀÌ Á¤¸» ¿øÇÏ ´Â°Å ¾Æ¹«°Íµµ ´õ ¸¹Àº ´ëÃâÀ» ¹Þ¾Æº¸½Ê½Ã¿À. Don¡¯t let them attempt to change your mind. ±×µé¿¡°Ô ´ç½ÅÀÇ ¸¶À½À» ¹Ù²Ù·Á°í ½ÃµµÇÏÁö ¸¶½Ê½Ã¿À. The fresh start you might¡¯ve gained in bankruptcy can be exactly what is needed in order to get your financial life back on track and establish strong credit. ´ç½ÅÀÌ ÆÄ»êÀ» À§ÇØ Àü¿À» ÀçÁ¤ÀÇ ÀλýÀ» µÇµ¹·Á ¹Þ´Â°Í°ú °·ÂÇÑ ½Å¿ë È®¸³ÀÌ ÇÊ¿äÇÏ´Ù Á¤È®È÷ µÉ ¼ö ÀÖ¾úÀ»Áöµµ ¸ð¸£Áö¸¸ ½Å¼±ÇÑ ½ÃÀÛÇß´Ù. Try not to let unscrupulous lenders or over-eagerness push you to do something that you might not be comfortable with. ´ç½ÅÀÌ ¹º°¡¸¦ ¿¸ÁÀº ´ç½Å°ú ÇÔ²² Æí¾ÈÇϰԵÇÁö ¾ÊÀ» ¼öµµ ÇÒ ¹Ð¾î ºñ¾ç½ÉÀûÀÎ ´ëÃâÀ̳ª ÀÌ»ó - ¾Ë¸®Áö ¸øÇϵµ·Ï ÇØºÁ. Remember to always read the fine print in all the written documentation. Ç×»ó ¸ðµç ¼¸é ¼³¸í¼ÀÇ ±ò²ûÇÑ Àμ⹰À» Àо °ÍÀ» ÀØÁö ¸¶¼¼¿ä. Click to the next page of your bankruptcy recovery guide: Home Equity Options 5 ÆÄ»êÀ» Ŭ¸¯ÇÏ¿© º¹±¸ °¡À̵åÀÇ ´ÙÀ½ ÆäÀÌÁö·Î : Ȩ ÁÖ½Ä ¿É¼Ç 5 |