[請益] 年收150、貸款1800
請各位大大給予指教
個人工作是在家自幹APP上架
收入主要為程式內購+廣告收益
目前育有2個小孩1y、2y
2020年至2023年4年平均年收300
今年因為懶惰打算整年躺平
估計今年年收只會有170(保守估計)
收入皆來自Google、FB、Unity匯入美金
已簽約預售屋總價2300初,預計Q4交屋
想要盡可能用最低的利率貸最久貸滿8成
估計付給建商2~3成後存款約剩400
另外持有股票目前市值800
老婆集保也有市值約50的高股息股票
帳面上看,有點勉強
不知道銀行是否會認可我的金流
雖然我每一份收入都有建檔保留資料
但畢竟沒在上班,不是薪轉
實在很怕沒辦法貸到8成或低利率
初次買房,所以各方面都非常擔心
不知道到時候貸款的流程究竟是怎麼樣
到底該找哪家銀行才能好貸款
還請各位大大給予指教
小弟感謝!
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※ 編輯: taco2548 (59.127.150.143 臺灣), 04/10/2024 06:06:36
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