[請益] 房貸取消ㄧ般保人可能性
小弟年收約130萬,太太年收約55萬,去年3月跟太太買了ㄧ間中古屋1200萬,只貸款700
萬房子掛太太名下,但當初為了拿公教利率加了我當保人,原本是想自住,但之後因對房
市有興趣
陸續有再看房,那時後房市很冷很多預售都有釋放利多,經評估後,7月下訂了ㄧ間1600
萬的預
售於年底要交屋,房子掛小弟名下,原本那間中古屋也順利租出去,但最近要辦房貸,發
現銀行對ㄧ般保人其實蠻嚴格,額度佔用算法是以房貸20年,利率2.6以上算,等於我原
本的收支比會佔用38000元的額度…實際房貸只有每月26000元,因想拿更好成數裝潢用,
個人收支比要在6成內沒辦法..也會影響之後想要增貸的可能性,當初為了好的利率,現
在覺有點拿石頭砸自己腳,不知道各位大神有沒遇過相同情況,還是只能轉貸解決?
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