贷款额超过实际需要数额可以吗?

spcd990

打个比方``要买60w的房子 `我首付20%既12w
应该还需要借48w`
有办法可以借到55w么? (收入本身可以达到借55w要求)
然后把多借的7w放到offset账户里`或者用在其他个人用途上``而且全部的55w都是以home loan名义去借`不是personal loan``
可以做到么`或者broker有什么办法么?

in2theshine

Don't think so, but you can refinance later to loan more.

蛇蝎

当然可以了, 一点问题都没有

in2theshine

原帖由 蛇蝎 于 2011-10-18 11:20 发表
当然可以了, 一点问题都没有
How? I applied but bank only approved the amount remained.

patricb

原帖由 spcd990 于 2011-10-18 11:09 发表
打个比方``要买60w的房子 `我首付20%既12w
应该还需要借48w`
有办法可以借到55w么? (收入本身可以达到借55w要求)
然后把多借的7w放到offset账户里`或者用在其他个人用途上``而且全部的55w都是以home loan名义去借`不是personal loan``
可以做到么`或者broker有什么办法么?
You can borrow more than 80%, if either:
1) You pay the mortgage insurance
2) or you have equity in another proeprty can be used

Vicroads

超过80％不清楚。
不超过当然可以。
比如我买60万的房子，我手头有30万，我只要贷30万，但是银行可以带给我48万，我就贷48万，剩下的扔在offset里。没事拿出来数数～

in2theshine

原帖由 Vicroads 于 2011-10-18 15:02 发表
超过80％不清楚。
不超过当然可以。
比如我买60万的房子，我手头有30万，我只要贷30万，但是银行可以带给我48万，我就贷48万，剩下的扔在offset里。没事拿出来数数～
Diff thing, your senario is you have $30w in hand, loan $48w, so you put $18w of YOUR OWN MONEY to offset. What LZ asked is he doesn't have $30w, he only has $12w, but he wants bank loan more money so he can put BANK's MONEY to offset.

笨猫

对

天行健

5楼正解！

Vicroads

原帖由 in2theshine 于 18/10/2011 15:15 发表
Diff thing, your senario is you have $30w in hand, loan $48w, so you put $18w of YOUR OWN MONEY to offset. What LZ asked is he doesn't have $30w, he only has $12w, but he wants bank loan more money  ...
那他问的问题太罗嗦了。他就问，我可以贷90％嘛？我可以贷95％嘛？我可以贷100％嘛？我能贷110％嘛？。。。何必绕着问。
银行贷款给你其实就看2件事：1你有没有还贷能力；2你假如有一天还不出了，把你的房子拿去抵押，够不够还你借它的钱。满足这两点，多少银行都能借。
要贷超过80％，除了还贷能力，就是强制买贷款保险了。