[請益] 房貸與理財
小弟第一次貸房貸,對相關事情還不是很了解,想詢問各位大大的意見
房子: 士北科專案住宅新房,權狀56坪1000萬,加裝潢200萬,總共1200萬
貸款條件:貸款800萬,一段式利率1.6%,20年,寬限期5年,無綁約
背景: 29歲/年收110W/夫妻年收約180~190W,同時預計創業中
爸媽沒工作,所以我個人每個月基本負擔的開銷還不少
問題1: 因有創業打算,幾年後若是預計再多貸個200~300萬,是否利率較高?大概多少?
問題2: 這樣算是用二胎房貸? 還是純粹增貸?
問題3: 房貸條件其實是可以貸1000萬,還是會建議初期直接貸1000萬?
謝謝各位~
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08/12 21:56, , 1F
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對阿,所以要拚一點
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是還好,並行的
※ 編輯: turn329 (219.85.132.179), 08/12/2017 22:07:36
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感謝各位大大的回覆
1.的確是要自住,所以想說裝潢一次到位
2.好奇問一下,如果自有房子無貸款,想用房子去借錢這也算房貸的一種嗎?
是不是理財型房貸? 利率應該比較高吧?
謝謝~
※ 編輯: turn329 (27.105.54.49), 08/13/2017 11:19:56
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