Re: [新聞] 銀行搶客 5年寬限、40年房貸都出來了
: 市調發現,央行解除房市管制後,銀行競相推出超優惠房貸, 包括5年寬限期
: 、40年房貸、8成5貸款成數、非首購利率1.87%等,搶食房市增溫房貸大餅。
靠背這根本為投資客設計的~~
1.40年貸款 利率1.87
貸一千萬 含本息月繳三萬而已
假設貸八成就好 所以是買1250萬的房子
月出租三萬就能讓房客幫你繳房貸
所以投報率只要 3*12/1250 = 2.88%
也就是你只要找到3%投報的物件
貸款四十年買下去 房客就開始幫你繳房貸了
中間根本無腦持有 等到下一波炒房多頭再賣掉就好
不想賣也沒差 就一直放著一直收租最後變遺產給下一代而已
此種操作適合中長期買賣或只買不賣置產族
2.五年寬限期 要撐過這次空頭綽綽有餘
寬限期只要繳利息 放著不出租又沒差
貸款一千萬 寬限期期間才繳一萬五而已 直接撐到下次多頭再賣掉賺價差
此種操作適合賭徒
3.所以房地產為什麼很好玩
想賭的人可以玩
不想賭想買來放著留給兒子孫子的 也可以玩
板上空空老是搞不清楚方向的一點就是
以為投資客都是同一種人
都是買來放著當空房等著賣掉
靠杯也是有像我這種買來出租 叫房客幫我繳房貸的好咩
我根本沒有急著賣的壓力 因為房客在幫我繳房貸阿=.=
我等到長夠高在賣就好了
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