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原帖由 wxm611 于 2012-5-11 09:58 发表 
几年前买了个50万的自住房,首付10万,贷了40万,现在OFF SET里又攒了10万,但是从来没有往HOME LOAN里还过钱。现在想买个40万的投资房。
朋友给了两种贷款建议:
1。两套贷款做到一起,第二套房子100%贷款,最大化利息抵税。我不 ...
First of all, you need to find out if your current home value is increased or not?
If so, say your home value increased from $500k to $600k, then your extra equity access is $600k-$500k=$100k*80%=$80k
The best solution to colletral those existing home + new purchase property to maximize the investment property loan amount. However, as you mentioned that you do not prefer to stay with one bank.
If you want to borrow from two individual bank, then I would suggest you set up extra seperate line of equity from your current bank. say $80k loan amount.
Then you borrow 80% of your new purchase price say purchase price $500k*80%=$400k new investment loan.
Your total loan amount for this new investment property purchase is $400k (new bank)+$80k(current bank)=$480k. This is the ideal solution. |
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