Note: In all formulas, n is the number being tested for primality. In all formulas, n is the number being tested for primality. In all formulas, n is the number being tested for primality. In all formulas, n is the number being tested for primality. 1. Trial division test. Divide n by each prime from 2 to ceiling(n{\displaystyle {\sqrt {n}}}). 2. Fermat's Little Theorem. Warning: false positives are possible, even for all values of a. Choose an integer value for a such that 2 â¤ a â¤ n - 1. If an (mod n) = a (mod n), then n is likely prime. If this is not true, n is not prime.
Wait at least two years. Hereâs where you will need patience: You should wait at least 24 months to apply for a mortgage after bankruptcy. You may be able to get a mortgage after bankruptcy sooner, but the terms, like interest rates, won't be as attractive as they would be if you waited two years. Since you might be paying that mortgage interest for up to 30 years, you will save money if you wait long enough after the discharge to get a good interest rate. Tips for when you're ready to apply for a mortgage. After the two-year period, make sure you are fully prepared to apply for a loan. Your lender will want you to meet certain criteria before agreeing to lend you money: A good debt-to-income ratio, stability and time on the job.
How Long Before I Can File Chapter 7 Bankruptcy Again? How long before i can file Chapter 7 bankruptcy again? This has been a very common question this week. If you have filed a Chapter 7 bankruptcy and got your discharge, you must wait 8 years before filing for another Chapter 7 bankruptcy. On the other hand, if you have filed for Chapter 7 bankruptcy and have obtained a discharge and need to file a Chapter 13 bankruptcy you must wait 4 years from the date you filed Chapter 7 bankruptcy. Many times, I counsel clients and give them financial strategies to implement to prevent another bankruptcy filing.