現有貸款，怎麼從小condo換大house | 買房賣房

美人魚寫道:

找你貸款經理最好的方案是二貸要看你收入情況這裡問不出什麼名堂

二貸是指第一套房也不賣，拿來出租或者抵押麼？

現在是condo，想換house

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真真好奇寫道:

反正我目前，的確不敢想買房子的事情。

當然不敢想，現在誰想，都要被罵說是炒房的，要被罵錢來得不幹淨的

反正，在他們眼裡，工薪族只配買一套，想買第二套，你手裡的錢，必定是齷齪的

人家一個人買了三套房，他就是剛需，自住

其他人要想買第二套，那就炒房，就是錢來路不正，就是錢是齷齪的，分分鍾要被罵死的

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knight 寫道:

二貸是指第一套房也不賣，拿來出租或者抵押麼？

現在是condo，想換house

對一套自住一套出租具體咨詢專業人士吧如果收入不高難度會比較大

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Assuming your family income is about 150k/yr before Tax.

1) If you like to keep the condo for rent (as mortgage helper with 350k mortgage left). You use 200k cash as down payment, you can only get around 500-550k mortgage, from 5 major banks, if you choose fixed rate it might be a bit higher) for your new house. That means you can only afford 700-750k home.

So if you like a one million house, you have to either:

a) Sell the condo OR
b) -- keep the condo AND
i) got another 250k cash OR
ii) increase your family income to 200k/yr range

(2)
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yhuangf 寫道:

Assuming your family income is about 150k/yr before Tax.

1) If you like to keep the condo for rent (as mortgage helper with 350k mortgage left). You use 200k cash as down payment, you can only get around 500-550k mortgage, from 5 major banks, if you choose fixed rate it might be a bit higher) for your new house. That means you can only afford 700-750k home.

So if you like a one million house, you have to either:

a) Sell the condo OR
b) -- keep the condo AND
i) got another 250k cash OR
ii) increase your family income to 200k/yr range

挺專業樓主應該好好咨詢咨詢你

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yhuangf 寫道:

Assuming your family income is about 150k/yr before Tax.

1) If you like to keep the condo for rent (as mortgage helper with 350k mortgage left). You use 200k cash as down payment, you can only get around 500-550k mortgage, from 5 major banks, if you choose fixed rate it might be a bit higher) for your new house. That means you can only afford 700-750k home.

So if you like a one million house, you have to either:

a) Sell the condo OR
b) -- keep the condo AND
i) got another 250k cash OR
ii) increase your family income to 200k/yr range

謝謝

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樓主，貸款經理會給你出主意，能想到的各種可能方案他們都會幫你想。

我的貸款就是貸款經理幫我出的主意，甚至選房子她都替我出主意。我是比較糊塗算不清楚帳的，很多又不懂，比如refinance我都不知道是啥，有的貸款經理可以當朋友幫忙很多的。

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簡單快樂寫道:

樓主，貸款經理會給你出主意，能想到的各種可能方案他們都會幫你想。
我的貸款就是貸款經理幫我出的主意，甚至選房子她都替我出主意。我是比較糊塗算不清楚帳的，很多又不懂，比如refinance我都不知道是啥，有的貸款經理可以當朋友幫忙很多的。

很多人沒意識到好的專業人士的重要性
基本都是臨時抱佛腳
發家致富是需要好幫手的

(1)
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(1)
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yhuangf 寫道:

Assuming your family income is about 150k/yr before Tax.

1) If you like to keep the condo for rent (as mortgage helper with 350k mortgage left). You use 200k cash as down payment, you can only get around 500-550k mortgage, from 5 major banks, if you choose fixed rate it might be a bit higher) for your new house. That means you can only afford 700-750k home.

So if you like a one million house, you have to either:

a) Sell the condo OR
b) -- keep the condo AND
i) got another 250k cash OR
ii) increase your family income to 200k/yr range

發現銀行對在本地賺錢的人貸款條件過於苛刻。對新移民或訪客買房隨便貸多少都行，只要首付35%。這也是溫哥華房價上漲的一個因素。

(1)
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knight 寫道:

謝謝

lz別被那位同學的發言嚇到了

如果你真是年收入15萬，你肯定能夠手裡留著這個TH，並且再買一套100萬的house的

找貸款經紀吧，他們有很多辦法的

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