[請益] 第二戶貸款問題
有查過版上文章,但是狀況好像都不太一樣,所以再來問一下,抱歉!
兩間在廣義六都,第2間只有6成,而且現在銀行都不太貸給第二屋,擔心明年交屋會違約
本人無薪資收入,但有被動收入及補助,加起來大概100萬,目前只有第一銀行願意認列
,
二屋現金還款資金缺口300萬,這是我問到目前銀行的回覆:
方案0.用我目前非本業收入貸款6成(約600萬),風險是明年銀行還是不貸第二屋,
或者非薪資收入過不了
方案1.第一屋可增貸120萬+跟家人借200,但綁約三年不能塗銷,會限制我不能賣第一屋
方案2.用爸媽的房子貸款,借款人為我或妹妹,就不會有不能塗銷問題,只是銀行規定是
不能拿去買房,行員還放話說,如果我這樣打算這樣不要來找她貸。
方案3.預售屋增列妹妹的名字,由妹妹貸款8成
方案4. 賣第一屋,現金買第二屋,因為還在兩年內,稅很重,但可以部分重購退稅(大
概稅金至少30-50萬)..
方案5. 平價賣第二屋,房子在父母家附近,其實也需要
因為就是很不確定的情形~可能還是兩間都掛賣看看 只是因為人不在國內 要賣麻煩
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1有相同限制 只是只有一百萬 當作生活費 再用我的收入付房貸?
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※ 編輯: iiimk (101.12.149.78 臺灣), 09/13/2024 12:43:36
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有人這樣說嗎 政府央行壞在沒早點管制 等房價吵上天再來限制 一開始就應該禁止轉貸
寬限期行為 反正死的也不會是我 最好房價跌一跌 二屋就被說是投資客
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我現在只需要貸三成 不然就跟家人借
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因為工作地點不確定性高 不想賣了買不回來
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人就是這樣 只看得到眼前的事 本來不知道自己會出國
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還的人是我 如果怎樣了免費送我妹ㄧ個不動產 為什麼我妹婿會煩
※ 編輯: iiimk (101.12.149.78 臺灣), 09/13/2024 14:35:43
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無所謂 因為我可憐現在還沒買房的人 漲這麼高
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※ 編輯: iiimk (101.12.149.78 臺灣), 09/13/2024 16:23:49
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