[心得] A7小房蟲 被拒貸啦
小弟 aka 蒙R波小房蟲
名下第三戶25Q1交屋
本月建商提早找銀行進行對保作業
配合共五家銀行 (每間額度不一樣,做分散)
我的狀況是購置一戶、理財一戶
名義上第三戶為購置二屋
選三家丟資料
某小綠公股:婉拒
某小藍外商:婉拒
某小三民營:還沒婉拒, 但可能機會不大
我是無腦置產收租流
買一間出租 ->租金收入疊加->續買下一間
目前確認此combo技 被強制封印了
現在銀行端看到租金收入=投資行為
非首購 要辦購置
名下不動產全部要想辦法解釋為自用
PS: 看到租金收入比蒙R波還要怕
目前銀行端認定我財力ok
但三屋+頭期款來源為投資收益=該死小房蟲
某小綠主管:購置要做可以 但條件你會怕
不如全款交屋再辦理財貸款吧
資金提早週轉完成
目前現金部位>第三屋總價
滿手現金 仍借不到錢… 比悲傷更悲傷的故事
https://i.imgur.com/ZpO08Nc.jpeg
以上多屋族鬼故事
但首購的路線就完全不一樣惹
我看群組其他首購紛紛拿到
貸款80%-85%/ 年限30-40年/ 2.3%左右
某小綠新青安只給35年
要40年 請儲值房貸壽成為vip
全款vs首購1.5-2成
成本三字頭vs首購追五字尾
誰風險比較高?
雖然與事實不符
政府的答案:非首購=風險高
總結:
不要質疑政府做多的決心
首購貸款= 輕輕鬆鬆
更優惠條件 請儲值房貸壽成為vip
非首購=勸退去旁邊玩沙(理財貸款)
階級爬升越來越困難了lol
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