[閒聊] 我該當保人嗎...續集...
看板MenTalk作者dean760124 (行天下路 取天下財)時間11年前 (2013/03/19 10:42)推噓12(25推 13噓 70→)留言108則, 51人參與討論串1/5 (看更多)
昨天PO文完後下午跟我朋友吃飯談這事..
我先來說他們家吧...
他無兄弟姊妹...老爸老媽也無業
因為一家人都是收租過日子....
我認識這麼久 他父母我也很熟
所以他家財務我有一定的了解...
我問他怎麼不找他父母當保人
他說銀行承辦小姐說因為收租無法作為信評依據
小姐說好像是收租不代表穩定收入...
(我朋友兩間店面一個月收租近30萬...這樣還不穩定...)
於是乎昨天直接打電話跟承辦銀行小姐通話
我:小姐妳好 請問這間房子市值這麼高 怎麼還需要保人?
她:先生您好,因為申請者一家人的收入證明都是房租收入...銀行這邊無法視為穩定收入
所以才會需要一個保人
我:那請問我朋友還有其他設定嗎?!
她:除了目前的原貸銀行要全數轉移過來之外沒有其他的設定...
---------------------------------------------------------------其餘省略
想問各位 這承辦小姐這樣說是真的嗎??
如果是真的 那板上一堆人說房子價值夠高不需要保人...幹嘛還找我
我昨天大概算了一下 如果2500萬房貸以20年本利攤 一個月不超過18萬..
所以我朋友應該輕鬆還吧??!! 那我是不是不用緊張了??
可以還他人情 還讓他欠我人情一下= =+
另外....請問一下 昨天有一位板友回板文友說到設定問題
是要把我設定成銀行後面的第二債權人??是這個意思嗎?!
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◆ From: 123.194.213.158
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是有心動...因為欠人情...
就好像之前有板友回的
想做傻子還是想當無情無義的人
我也在抉擇
※ 編輯: dean760124 來自: 123.194.213.158 (03/19 11:23)
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