Why You Should Consider Financing Your Roof Investment

通过Wendy Helfenbaum10-19-2020
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If you've been putting off your roof repair or replacement because you're not ready for a big upfront expense, you may want to consider a payment plan. Many homeowners use the power of financing to pay in manageable installments over time rather than all at once.

Home improvement loans can extend your budget and offer peace of mind that you are making the best investment in the value and protection of your home. With more spending power, you can hire an experienced contractor, select more premium products, and choose a more expansive warranty.

该过程与任何其他大型购买方式相同,例如汽车,家具或HVAC系统,它使新屋顶变得更加可达到。如果您有保险索赔,融资可能会帮助您占用免赔额。如果保险只支付一部分维修或更换,您也可以使用付款计划涵盖屋顶项目的余额。

Talk to Your Contractor

当您购买屋顶承包商和申请估算时,请询问融资选项。即使您正在考虑支付现金,您可能希望考虑付款计划,以便能够缓解写作大检查的焦虑。

一旦你手里腾出屋顶,选择了你的屋顶承包商,你就有一个好主意您的屋顶项目将花费多少。大多数已建立的承包商可以与您交谈有关付款选项,然后您可以选择最适合您需求的人。

The process is easy and quick, and many applications can be done virtually by receiving a direct link via text to your smart device or clicking on an "apply for financing" button on your roofer's website. You will be required to provide the standard information typically needed for any loan, including your gross or net income, any assets or other forms of revenue you have, your credit history, and your credit score.

选择您的付款时间表

There are different payment schedules you can choose from, depending on what works best for you.

一些屋顶承包商将在工作开始前请求您存款。其他人可能会建议提前付款的混合,然后是指定时间的每月付款。

务必将贷款人提到贷款人的贷款披露,例如当您的第一次付款到期时。

As mentioned above, even if you have budgeted for a new roof and have the capital saved up, you may still want to use roof financing to spread out your payments instead of paying a lump sum. This option gives you the flexibility to use your cash for anything you want—such as another large purchase, a vacation, or other investments—rather than spending much of it all at once.

了解您的义务

Although every financing company has its own processes, it's important to contact your financing company with questions and read the loan documentation carefully.

Lenders typically have different options for the length of the loan, from short-term agreements that run for 6 to 12 months, to some that are longer such as 72 or 96 months, with a range of interest rates to accommodate different financial needs.

You'll want to read the agreement carefully to ensure you understand details such as when payments will be due, what the down payment will be, whether there are additional fees, and how long you have to repay.

Finally, be sure to carefully review the terms of breach or default on your agreement if you don't make payments on time. You can consult with your contractor if you have any questions about the details of your financing contract.

takefind a GAF-factory certified roofing contractor*in your area, and be sure to inquire about payment options that can help you invest in your home and get your roof project done smoothly, effectively, and with less financial stress.


仅供参考,而不是为了提供财务,法律,保险或税收建议。优德88网站GAF不提供融资,并由GAF推广的任何贷款或其他融资方案直接通过与GAF无粘贴的许可和监管的第三方金融组织直接向房主或消费者提供。融资需视供应情况,贷方批准,信用要求和条款和条件。

*Contractors enrolled in GAF certification programs are not employees or agents of GAF, and GAF does not control or otherwise supervise these independent businesses. Contractors may receive benefits, such as loyalty rewards points and discounts on marketing tools from GAF for participating in the program and offering GAF enhanced warranties, which require the use of a minimum amount of GAF products.

ABOUT THE AUTHOR
温迪Helfenbaum蒙特利尔记者content marketing writer and TV producer who covers design, architecture, real estate, gardening and travel for many publications and brands, including Country Gardens, Metropolis Magazine, Realtor.com, Marriott Traveler, Costco Connection, Toll Brothers, PBS NextAvenue.org and many more. Wendy loves keeping up with current design trends and is addicted to home improvement DIY reality shows. Follow her @WendyHelfenbaum.
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