持分请教：假设有3套投资房，贷款总额超过200万，是不是尽量从一家银行贷，利率能好点儿？

magictime

hongningliu

围观涨知识

Hetbert

Clojure 发表于 2020-6-22 15:20
在一家银行，但没有cross collateralisation （就是分成三个完全独立的loan），银行也会有权利任选拍卖吗 ...

对的。

所有的房贷合同，都有All Monies Clause, 只要欠银行的任何一种债务违约，你的所有抵押房产，不论有没有cross，银行都可以拿出来强拍，所有账户里的存款，都可以扣走，来弥补银行的损失。

其实这个条款还包括你在其它银行的存款和抵押品，但是即使违约，一个银行一般没办法强拍在另一家银行的抵押房产，也不能强扣在另一家银行的存款。除非这两家银行是一个集团的。你在westpac违约,把st George的房一起强拍了，也是没问题的。

WHAT IS AN “ALL MONEYS” CLAUSE IN SECURITY DOCUMENTS?

An “all moneys” clause is most commonly referred to in the context of a mortgage or charge. In that context, this type of clause means that all moneys owed to a lender are secured by the mortgage. Effectually, this means that the subject property under the mortgage or charge is security not only for the loans made under the mortgage or charge but also for any other secured and unsecured loans, such as a personal loan or credit card, made by the lender to the borrower.

The relevant clause in the original mortgage defined the total amount owing as:

“at any time, all money which one or more of you owe us, or will or may owe us in the future, including under this mortgage or any agreement covered by this mortgage”

What happens with multiple mortgages or guarantees?

In a situation where a borrower has multiple mortgages, if all are with the same lender, a default on any one of the mortgages can put the others at risk of falling within an “all moneys” clause.

However mortgages with other lenders will not fall within an “all moneys” clause.

Guarantors under loans can also be at risk – a guarantor could become liable for “all moneys” owed by the debtor, rather than only in relation to a specific guarantee.

这就是为什么房贷银行都愿意送信用卡，有了房贷后，信用卡债务从高风险的无抵押贷款变成了低风险的有抵押贷款,信用卡不仅利息高，还不怕你不还坏账。

Clojure

Hetbert 发表于 2020-6-22 20:26
对的。

所有的房贷合同，都有All Monies Clause, 只要有一个房贷违约，你的所有抵押房产，不论有没有cro ...

感谢分享，学到了！

想了想，我还真有这种情况，我有个贷款是NAB的，还有个Ubank的，以前从没想过这俩也会有联系 看来得赶紧转走了...

信用卡也从来没这么想过，开眼界了

Selena_X

假设你收入够的情况，且充分了解了cross security的利弊，有些tier 3 的lender可以offer 自住投资房绑在一起 全部拿自住利息，当然条件和限制蛮多的。
现在大行自住固定能做到2.19-2.29，投资2.49-2.59，其实没差很多且已经很低的利息了，个人建议不要太纠结。

glc88

贷得这么狠，难怪足迹口号是涨涨涨

Even_889

Hetbert 发表于 2020-6-22 11:02
都解啦。

感谢新冠疫情，央行降息印钞和银行4000返现，break重固定低利率还有挣。

都是固定两年吗？在纠结要不要等晚点固定。。