持分请教，什么是bridging loan？

RY001 · 发表于 2014-5-31 13:06:59

今天刚从银行听说有这种loan，怎么操作呢？对贷款者有什么要求呢？值得做吗？

九家湾 · 发表于 2014-5-31 13:44:42

碰到你实在无法割舍的房子，就值得做。
ANZ 的运作方式
ANZ offers you financial assistance that is customised to meet your individual needs. The following scenarios illustrate how ANZ Bridging Finance can work for you.
Scenario 1 - You may have an existing home loan with ANZ and require finance to meet the short term gap in the timing between receiving the funds from the sale of your home and buying a new property i.e. your sales and purchase settlements are on different days. To meet this short-term need, ANZ can increase your existing home loan to include the amount required for the new purchase. If you also require ongoing finance for the new property, ANZ can offer you a new home loan to meet your longer-term requirements.
Scenario 2 - You may require funds for a short period of time to purchase a new property, and then plan to repay the loan in full from the proceeds of the sale of your present property. To facilitate this, ANZ could provide a home loan with a term of six months (12 months if your new property is being constructed).
Scenario 3 - You may have an existing home loan with another financial institution and want ANZ to manage your bridging finance needs. To assist with this, your existing loan will be transferred to ANZ and depending on your requirements, ANZ can offer you one of the solutions outlined above.

RY001 · 发表于 2014-5-31 14:52:32

请各位专业人士发言

tony_wang99 · 发表于 2014-5-31 15:29:53

其实就是你先买了新房子没有首付，用旧的抵押，中间的gap银行高一点利息借给你。其实找华人贷款的refinace，把loan做下来就行了。

freewalker · 发表于 2014-5-31 16:42:05

没必要搞这么麻烦，找个broker按正常的贷款做就好了。Bridging loan申请麻烦，利率又高。

carla.zhang · 发表于 2014-5-31 16:51:52

Bridging Loans
You’ve just bought a new home, but you need the money from the sale of your old home to complete the purchase. Unfortunately, your old home is taking longer than expected to sell. In simple terms, a bridging loan works by advancing you enough money to buy the new home before you’ve sold the old one. You pay the bridging loan back once the sale of the old property is complete.
A bridging loan can also be useful if you are building a new property. It allows you to stay in your existing home until the new one is finished! Always make sure you have a realistic time frame in mind for bridging, and that you are aware of all the costs. Some bridging loans will require you to make regular payments, which you’ll need to provision for in addition to your existing home loan payments.