【房屋】[求助]房子白痴来问问题啦~高人们请进呀~

老鼠爱小米

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>蕾蕾抱抱</i>在2008-3-25 4:43:00的发言：</b><br/>水庫馬甲。。。</div><p>是哦，把这个给忘了。</p>[em02]

dasasa

<p>&nbsp;save some money first, buying a house with bank loan , the interest u paid actually can afford another house , the longer term (20 , 30 years ), the more u have to pay , not worth it. </p><p>the&nbsp; bank interest rate seems attrative like 3.75%or 4%p.a.</p><p>however the way they calculate the principal and interest u have to pay is another story.</p><p>eg.asking price 550k,you pay 50k and 500k loan from bank , 20or 30 years loan </p><p>Int : 3.75%*500000*20 years or 3.75%*500000*30years </p><p>&nbsp;&nbsp;&nbsp;&nbsp; <font style="BACKGROUND-COLOR: #d52b6f;">=375000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=562500&nbsp;&nbsp; <font color="#f7f709"><strong>Interest only</strong> </font></font></p><p>above is only the interest paid over 20 or 30 years </p><p>plus the principal 500k the monthly installment will be </p><p>(375000+500000)/20/12=3645</p><p>(562500+500000)/30/12=2951</p><p>The longer term loan the "less" installment u pany , but actually u pay more in overall.</p><p>That is how the bank make money from us ........</p><p>Buy a property without borrowing from bank is investing , but buy with bank loan is ......."Fang Nu "</p>

martin1983

<p>ls的，你怎么不算算，你攒够钱的那几年，房租交了多少了呢？</p><p>lz说两个例子给你参考下：</p><p>1 认识一个越南人，买了个90w的公寓，自己薪水不够贷款。于是拉上自己老爸（据说在非洲工作），银行给批了。提示，你可以从你爸爸妈妈收入上做点文章。</p><p>2 从uob贷款，用老爸的名字买。结果uob说户主全是外国人的话，首付得要30%。加一个pr进去，就到20%了。要想10%的话，必须是夫妻联名，并且，贷款人只能是夫妻中一个或者一起。</p><p>uob贷款上限的算法是月薪的40%不能低于月供。</p><p>建议，指直接找个银行assitant问。免费，简单，准确。</p><p></p>