投资房贷款请教--求高人？

M_AU

投资房投资有两个贷款方案可以选择， 哪个比较优？
⒈100%贷款（用自住房equity）
⒉两套分开贷款，投资房付20%，贷款80%。

1的好处税务利润最大化，
那2的好处是什么？为什么有人建议自住房和投资房的贷款分开？

Windmill

同问，为什么投资房要做interest only？interest only意味着“亏损”的少，那么tax benefit也少，不是吗？

linkspeed

亏损的只是利息，还本金的钱不能算亏损的。
interest only是为了平时能多点钱用。
投资房付20%而不是全贷是因为省房贷保险的钱

wTam

do 1 & 2 at the same time

potterhrz

楼主，我最近正好在刚做完refinance。
其实可以这样，你可以先把第一套refinance，一般来说会有多出来的钱。
然后把这个钱做为投资房的首付， 放在投资房的帐户里。
这样相当于所有钱都可以做tax return benefits。

放在不同帐户，主要是比较方便计算tax。

关键是找个好的broker问问。 如果你兴趣， 我把我的broker介绍给你，可以让他跟你讲讲。

枯藤

把你的broker也给我一下吧， 谢谢

newaussie

原帖由 M_AU 于 2012-5-14 20:27 发表
投资房投资有两个贷款方案可以选择， 哪个比较优？
⒈100%贷款（用自住房equity）
⒉两套分开贷款，投资房付20%，贷款80%。

1的好处税务利润最大化，
那2的好处是什么？为什么有人建议自住房和投资房的贷款分开？

2.  Advantage, more flexible of your property and potentially don't pay valuation fee because when you combine two properties to secure a 100% loan, bank might have to do valuation on both properties and bank will only waive one properties valuation fee.

Also, you don't have to stay with one bank for your two properties loan.

However, if you don't want to combine them to secure 100% investment property loan. You can create a seperate line of credit and then use this line of credit as deposit towards the investment property loan purchase. eg. your home value is  $500k, existing home loan balance is $300k, maximum lending is $500k*80%=$400k-$300k (exisiting home loan)=$100k (this is your line of credit can be used as deposit towards the investment loan. assume your investment property price is $400k*80%=$320k (the maximum lending), 20% deposit comes from your Line of credit+your stamp duty.  Thus, your total loan to purchase $400k investment property will be $100k+$320k=$420k  (100% borrowing +stamp duty) to maximize the negative gearing.