[苦惱] 有必要幫忙付房貸嗎?
看板marriage作者twoapple (我會一直都記得...)時間12年前 (2011/09/06 17:21)推噓41(41推 0噓 102→)留言143則, 54人參與討論串1/3 (看更多)
哈囉,大家好,目前遇到了一些房貸的問題 想上來請教大家,請大家幫忙給意見.
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目前從事科技業,月薪約50k,先生在念博士每月約20k,育有一女(1y6m)
去年買下了預售屋,最近要準備交屋了,所以遇到了房貸的問題
問題1.房屋登記在先生名下,那太太需要幫忙負擔房貸嗎?
買房前,婆婆跟我說之後買了房子會登記共同擁有,不會像有些婆婆把媳婦當外人,
當時我很感激,但是去年決定買房時,婆婆卻跟我說:希望我能體諒一個當媽媽的心情,
想要送給兒子一間房子當禮物,登記者為先生,希望我能諒解.
我別無選擇,笑笑的點頭說好.
婆婆並陳諾會負責頭起款在另外給我們200萬的資金,但是在某一次的繳款時,婆婆手邊沒
有現金(被外幣套牢了),所以由我們先付並說之後會捕給我們,但是到了下一次需要繳款時
,再次告知婆婆,婆婆卻又改口說:現在手邊沒錢,之前我們先付的部份無法償還了.
我們也只能笑笑的說好
問題2.目前我和先生的年收入並不高,無法談到較好的利率,且貸款的話需要有擔保人,
我應該要當那個擔保人嗎?
問題3.銀行說如果借款人是我的話,會有較低的利率,這樣我應該要當借款人嗎?
(但是房屋的登記人還是先生)
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原先,我的想法是房貸的部份我會先負擔50萬,剩下的每個月的費用(約2萬5)也先由我來支
付,直到先生畢業為止
但是又想想 房屋的登記人不是我,想請問若是大家的話,會幫忙付房貸嗎?
加上最近婆婆又一直要我懷孕生男生,讓我覺得很煩,都沒錢了還要生小孩 ><
謝謝大家看完我的問題,也聽我吐口水,請大家幫忙給意見.
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