[請益] 新竹買第二戶方式請益
各位先進好,小弟在2020年有幸參照版上建議已入手一間預售屋
去年已交屋入住,終於擁有人生第一間房
第一次發文先來感謝房屋版各位大佬
最近覺得其他投資獲利增長太慢,因此有在看新竹縣地區的低總價預售屋當作投資
近期有預約了幾間總價900~1200萬左右的預售屋要去看
但因為新竹地區目前第二戶限貸7成且無寬限期,
想請問想買第二戶又想貸款8成該如何合法操作?
目前個人名下有房貸+車貸月繳46000,要去看的預售屋都在2027~2029交屋
到時候車貸已經還清剩下房貸33000+第二間房貸總和大概會佔月收入50~60%
個人目前想到的就是房子買我老婆的名字,然後我當保人貸款(因為我老婆收入較低)
但這個方法我也都只是網路上聽說,沒有實際聽人解說過
請問有人有實際操作過的經驗或是有其他心得方法可以分享嗎?
謝謝!
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