[請益] 夫妻第二戶 貸款問題
各位好,有個關於第二戶的貸款問題想請教
先提供基本資訊
目前有一房所有權人跟貸款人都是老婆,但因為老婆的收入不夠
所以我有當房貸的保人
今天剛簽了第二戶預售,預計是2027交屋
所有權人跟貸款人都會是我
頭期款都已經準備好了沒問題,但本來因為擔心第二戶家庭收入不夠、
銀行的貸款沒辦法下來,所以打算2026年下半年開始賣,以達到重購退稅、小換大的條件
但今天簽約時建商有提到保人不會上聯徵
所以只要申辦房貸的銀行跟現在的不一樣,到時也不一定要先賣掉目前的第一房
想請問版上的先進們,是否確實如此
想要先瞭解這部分實際上的狀況
方便後面各種債務的規劃
謝謝
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感謝各位回覆
簡化問題就是我自己的收入第二房的貸款沒問題
但因為我是第一房的保人,想確認第二房在聯徵時是否會有影響
謝謝
※ 編輯: MrG (136.226.241.10 臺灣), 08/29/2024 14:40:28
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