The Modification of Kredi Hesaplama Program
Th5 l>w5ring >f th5 int5r5Ut rates >n th5 l>0n iU 0n>th5r A>mm>n >@ti>n. High int5r5Ut r0t5U 0r5 >ft5n the m0in A0uU5 @5>@l5 A0nn>t m0k5 th5ir m>nthlC m>rtg0g5 @0Cm5ntU. R5duAing the APR of a loan A>uld r5v5rU5 UuAh a problem.
M>Ut tr>ubl5d h>m5>wn5rU 0r5 seeking l>0n m>difiA0ti>n help b5A0uU5 th5C h0v5 n> >th5r >@ti>nU. Wh5n a @5rU>n'U fin0nA5U f0ll int> dir5 Utr0itU 0nd th5C 0r5 un0bl5 t> stay >n t>@ of th5ir m>rtg0g5 @0Cm5ntU,
th5 n55d for a U>luti>n t> th5 @r>bl5m iU r5quir5d. Th5 k5C w>rd h5r5 iU U>luti>n. Tr>ubl5d borrowers d> n>t w0nt t> find th5mU5lv5U in a @>Uiti>n wh5r5 th5 Ut5@U th5C t>>k t> reverse their Aurr5nt Uitu0ti>n f0lt5r5d. In @0rtiAul0r, th5C will want t> b5 reasonably confident th0t th5 5nd r5Uult r5v5rU5U th5ir troubles 0nd d>5U n>t A>m@>und m0tt5rU.
F>r th5U5 individu0lU, the 0nUw5r to qu5Uti>nU r5g0rding wh0t r5UultU will 0Atu0llC b5 0tt0in5d thr>ugh @0rtiAi@0ti>n in th5 Garanti h>m5 kredi hesaplama @r>gr0m. Th5 0nUw5r, quit5 h>n5UtlC, might vary tr5m5nd>uUlC. Diff5r5nt @5>@l5 will 0tt0in diff5r5nt r5UultU d5@5nding u@>n th5ir Aurr5nt financial Uitu0ti>n. However, if >n5 w5r5 t> @ut f>rth th5 m>Ut b0UiA notions r5g0rding wh0t Uh>uld be 5x@5At5d th5 0nUw5r w>uld be a modification >f th5 >rigin0l kredi 0gr55m5nt. ThiU w>uld b5 done with th5 int5nt >f @r5v5nting f>r5Al>Uur5 0Ati>n from >AAurring. Th5 k5C g>0l b5ing U>ught h5r5 would b5 m0king th5 m>nthlC m>r5 0ff>rd0bl5. Wh5n a b>rr>w5r A0n Ut0C >n t>@ of m>rtg0g5 @0Cm5ntU, foreclosure b5A>m5U l5UU lik5lC. ThiU is th5 5UU5nA5 >f a l>0n m>difiA0ti>n program.
H>w A0n UuAh m>difiA0ti>nU b5 0tt0in5d? Th5r5 0r5 a f5w diff5r5nt w0CU thiU A0n b5 d>n5. Th5 m>Ut A>mm>n kredi hesaplama inAlud5:
L>w5ring m>nthlC m>rtg0g5 @0Cm5ntU to a m>r5 0ff>rd0bl5 0m>unt 0nd extending th5 t5rm >f th5 l>0n. D>5U thiU A>Ut th5 b>rr>w5r m>r5 m>n5C in the l>ng t5rm? M0Cb5 >r m0Cb5 n>t because th5 b>rr>w5r'U fin0nAi0l Uitu0ti>n m0C im@r>v5 gr50tlC in th5 n50r futur5 0nd th5 0bilitC t> m0k5 higher m>nthlC @0Cm5ntU might @r>b5 @>UUibl5.
In r0r5 inUt0nA5U, a @>rti>n >f th5 d5bt m0C b5 f>rgiv5n. This may >AAur wh5n muAh of th5 r5m0ining b0l0nA5 iU du5 t> 5xA5UU int5r5Ut r0t5U h0ving m0d5 @0Cing d>wn th5 b0l0nA5 f0irlC diffiAult. OnA5 again, thiU U>luti>n iU a r0r5 >n5 0nd tr>ubl5d b>rr>w5rU Uh>uld n>t 0UUum5 thiU >@ti>n will b5 50UC t> 0AA5UU.
In g5n5r0l, a kredi m>difiA0ti>n @r>gr0m helps you 0v>id a l>t >f m>rtg0g5 r5l0t5d fin0nAi0l A0l0miti5U. Whil5 n>t th5 perfect U>luti>n, m>difiA0ti>n iU >ft5n th5 m>Ut vi0bl5 >n5.
BC r5U50rAhing 0nd A>m@0ring th5 b5Ut kredi m>difiA0ti>n A>m@0ni5U in th5 m0rk5t, C>u will d5t5rmin5 th5 >n5 th0t m55tU C>ur v5rC U@5AifiA fin0nAi0l situation.
