[請益] 家庭年收入120,買第二間房?
背景是這樣的,兩年前購入一間透天,我的名下,貸款1260萬
目前月付47000多,無子女,無孝親費支出,年紀41、40,
物慾不太高,偶爾外食。
現在想再購買一間預售3房大樓1640萬,用老婆名下購買與貸款,
預計2026年底~2027年初交屋,手頭上銀彈為股票+現金約800萬,
想請各位大大分析或是打醒我,在老婆月收29000左右,名下有車貸,
月付約2萬,還有五年,請問這樣情況下,我當保人,有機會過貸款嗎?
目前想法是我已有不小的房貸,適合當保人嗎?
如果過不了貸,打算現金+股票全下,貸少一點,可行嗎?
後續如果有資金需求會以現有房屋來增貸,
交屋前後應該還有一筆約60萬的保費到期可以領出來,
或是我的房貸有個方案是目前我繳的房貸金額可以從銀行借出來,
(是叫理財房貸還是什麼的嗎?)
有需要現在開始幫我老婆弄金流嗎?
我知道這樣實在太緊,斗請大大們指導看看是否有機會,
或是直接打臉我,叫我洗洗睡,別作白日夢,謝謝。
--
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