[請益] 雙薪家庭貸款條件(台北/已有房貸)
背景說明
小弟雙薪家庭,我自己140w+太太約90w+股票股利70=家庭所得300w
目前我名下有600萬的原屋融資(名下無房子),20年已還4年,還剩500萬未還
夫妻股票部位約2500萬(其中500原屋融資、500股票質借),淨值1500萬
夫妻年紀在40歲上下,想在未來3年內(不超過45歲)買台北北投區週總價4000萬的房子自住(5年內新房),三房+1車位
預計貸款30年,自付頭期1000萬,貸3000萬,不用寬限期換算月付11.7萬
預計會用我的名字貸款,太太做連帶保證人
請問大家,這樣的〔收支比〕貸的過嗎?
頭期款預計會用股票質借出來付,質借是跟證券商辦的,聯徵看不到(自己有查過)
先感謝大家指點
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