x****m
发帖数: 1084 | 1 看到版上地主都是买很多房子,想请教一下如何贷款买多套房子.
比如我年工资只有10万, 手里有20万现金, 想买25万的房子4套 共100万美元,
手里的现金付首付20%没有问题, 但好像我的工资贷不到80万, 请问这种情况如何操作呀 | d******u
发帖数: 2196 | | c*******e
发帖数: 814 | 3 同时做四个
作呀
【在 x****m 的大作中提到】
: 看到版上地主都是买很多房子,想请教一下如何贷款买多套房子.
: 比如我年工资只有10万, 手里有20万现金, 想买25万的房子4套 共100万美元,
: 手里的现金付首付20%没有问题, 但好像我的工资贷不到80万, 请问这种情况如何操作呀
| s********u
发帖数: 1054 | 4 The current rules say that one can not have more than 4 mortgage loans.
In addition, the underwriter would look at your debt to income ratio
seriously. (Different banks or mortgage firms might be slightly different
rules though.Generally speaking, if you want to get very good loans with
implicit government guarantee, the rules are tight. )
As a result, it might be difficult to get 4 loans at the same time. ( Do not
lie to bank.
It would be stupid to apply 4 loans at the same time and lie on your loan
applications.) But you can get more and more loans gradually.
When you purchase a property and rent it out, most banks would count your
rental income after a 2 years' period. Some might be willing to count it as
income in 1 year. In this process, you can get more and more loans.
Another approach you might want to try is to use HELOC. You first purchase
a
property by cash. After you close on it for 6 months, you can get a HELOC on
the property. ( Usually it is 70%-75% of purchase price. )
After 4 mortgage loans, you may need to try portfolio loans or commercial
loans. You need to build good relationships with local banker specialized in
these loans.
作呀
【在 x****m 的大作中提到】
: 看到版上地主都是买很多房子,想请教一下如何贷款买多套房子.
: 比如我年工资只有10万, 手里有20万现金, 想买25万的房子4套 共100万美元,
: 手里的现金付首付20%没有问题, 但好像我的工资贷不到80万, 请问这种情况如何操作呀
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