[請益] 第二戶貸款或理財型房貸?
年薪250萬
老婆100萬
美股市值1000萬
現金100萬
信貸300萬 還有6年 綁約剩半年
第一戶持有兩年 貸款700萬 市值1500萬 綁約剩一年
第二戶買800萬 即將交屋
剛好老婆育嬰留停 不能幫我背第二戶
A. 硬吃第二戶購屋貸款 7成 2.35%
B. 美股賣掉還掉第一戶700萬 再增貸出來
C. 美股賣掉第二戶繳清 再增貸出來
請問板上大神你們會怎麼操作?
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※ 編輯: CIIIO (36.230.178.129 臺灣), 09/04/2023 21:07:52
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感謝威力及皺眉大 想了一個晚上
目前第二戶由老婆掛1
然後幾年後如果要買第三戶會這樣操作
把我名下第一間清償,過戶給老婆,再掛4
我身上就沒有任何房貸 又回到第一間
畢竟政府就你講的..
至於保證人也有解法
綁約期後再找一家轉貸
到時老婆會有工作 理論上也不需要我當保人
※ 編輯: CIIIO (114.136.207.6 臺灣), 09/05/2023 09:22:56
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