如何 Save for a House

In today’s highly competitive real estate market, 第一印象很重要，包括从街道上看你家的样子. 你知道一个潜在的购房者会在最初的30秒内对你的房子做出判断吗? When a potential buyer initially drives up to a property, the first thing they notice is the home’s ”curb appeal.“

根据全国房地产经纪人协会(NAR) 2018年的一份报告，, curb appeal is very important to attract buyers. To ensure your home makes a great first impression, you’ll want to hone in on a few key areas, 注重细节，吸引潜在买家想要进入房子.

创建一个 预算

1. Keep your goal in mind and cut out unnecessary expenses

很有可能，你每周都有一些不必要的开支. 决定你可以削减什么，把这笔钱用于你的首付款. For more tips on ways to save, check out our article on saving up for an emergency fund -上面提到的许多方法在为首付存钱时也会起作用.

2. 汽车mate your saving

There’s two common ways to automate saving. 一种是每月或每两个月从你的支票账户自动转账到你的银行账户 savings account. Patelco Online™ makes it incredibly easy to do this 在线 or via the Mobile App.

第二种存钱的方法是让你的雇主把你的工资分成两笔直接存款——一笔存入你的账户 checking account 支付你每月的开销，还有一笔存款存入储蓄账户，用来支付首付款.

3. Skip vacations for a year or two

如果你把平时用来度假的钱存起来, you can make significant contributions to your down payment.

4. Reduce your high-interest debt

如果你在信用卡上支付高额利息，这会严重限制你的储蓄能力. Check out our tips for paying off debt. 你越早还清债务，你就能越早为首付存钱.

5. Get a temporary second job or seasonal employment

If buying a home is really important to you, 做第二份工作的牺牲可能会帮助你为你的首付款基金做出实质性的贡献. 仔细考虑这个选择，因为它会占用你的时间，可能会给你的生活增加压力——但如果你设定了一个特定的时间框架(比如只在一个假期)，并把你的目标记在心里, you may end up very satisfied with the result.

使用 investments and gifts

6. Invest the cash you have sitting around

如果你的账户里有几百或几千美元，赚不到多少钱，那就投资吧. Every dividend or bit of interest earned will help. 如果你想马上买房，可以考虑像我们这样的高收益储蓄账户 Money Market account. If you’re looking at an intermediate term, consider a share certificate. 如果你想在较长一段时间后购买，可以考虑一下股市.

7. Consider using a gift

大多数抵押贷款机构允许将礼物用作房屋首付款的一部分. 然而, 贷款人通常要求借款人除了赠送礼物外，还要拿出一部分自己的钱来支付首付款. 你还需要向你的贷款人提交一封信，证明这笔钱是礼物而不是贷款, and that you are not expected to repay the funds. You may also have to submit documentation, such as bank statements, 显示资金从你的恩人账户中取出并存入你的账户.

8. Withdraw from a traditional 爱尔兰共和军

你可以从传统的个人退休账户中提取资金，用于支付首付款. 然而, 来自传统爱尔兰共和军的全部或部分分配必须包括在收到的年度应税收入中. 而在59岁半之前分配的资金通常会受到过早分配的处罚, 如果在120天内使用该发行来支付收购成本，则例外, constructing, 或者重建首次购房者的主要住所. There is a $10,首次购房者例外情况所涵盖的分配的终身限制, 然而.

Borrow from your life insurance or retirement plan

9. Borrow from the cash value of a life insurance policy

如果你在你的人寿保险单中积累了大量的现金价值, 你可以从它那里借钱来筹集首付款. 你最多可以借到保单现金价值的90%, 而且利率通常比银行贷款和信用卡的利率低得多. 然而, 任何未偿还的贷款余额将在你死后从你的死亡抚恤金中扣除, 减少你死后受益人可获得的金额.

10. Borrow from an employer-sponsored retirement plan

If you participate in an employer-sponsored retirement plan, 有一种方法可以筹到首付款，那就是从你的计划中借钱. Many employer-sponsored retirement plans (e.g. 401(k)计划允许你以账户中的资金为抵押进行借贷. Depending on the rules established by your employer, 你可以用你自己的捐款和这笔钱的收益来借款. 如果你拥有这些美元，你也可以从雇主的供款中借款.

There are some caveats here. 这类贷款的利率一般只比优惠利率高一到两个百分点. 尽管退休计划中的贷款通常必须在五年内偿还, 如果资金用于购买主要住宅，还款期限可以更长. 许多计划都有限制，因此请咨询您的计划管理员以了解更多详细信息. 如果你在偿还雇主资助的退休计划的贷款之前离开了你的雇主, the balance of your plan loan will typically be due immediately. If it’s not repaid on time, the loan balance will be deemed a distribution for tax purposes, and you may be subject to the 10 percent penalty tax.

We’re always here to talk – including about buying a home. 联系 one of our 首页 Loan Consultants if you want to talk more about down payments. As a Patelco member, you also have complimentary access to 平衡, which offers free consultations 在线 or on the phone. 他们可以帮助你回答关于最好的储蓄方式的问题.

资料来源:Broadridge Financial Solutions，于2019年10月22日发布.