可否同时向两家银行贷款？

aihusin

我计划买房子，可否同时向两家银行贷款买同一个房子？这样我就可以少贷点款了。 <br/>

逍遥居士

<p>没有听说过... ...</p>
<p>即便可以，也不划算----支付两家银行的律师费</p>
<p>如何少贷？只是每家贷的数目少些而已</p>

望月犀牛

您可以试试。

ubuntu

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>aihusin</i>在2008-6-22 12:02:00的发言：</b><br/>我计划买房子，可否同时向两家银行贷款买同一个房子？这样我就可以少贷点款了。 <br/></div>
<p>竟然有如此想法，佩服！</p>

雨茜

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>aihusin</i>在2008-6-22 12:02:00的发言：</b><br/>我计划买房子，可否同时向两家银行贷款买同一个房子？这样我就可以少贷点款了。 <br/></div>
<p>&nbsp;</p>
<p>在你向银行递交了贷款申请以后，银行会通过系统查询你已经有多少Card Credit, Overdraft, Personal Loan, Income, 等等资料，同时，也能看到你是否在和其他银行贷款。</p>
<p>&nbsp;</p>
<p>申请两家银行不意味着你能够申请到的贷款额就增加了，因为这个还是取决于你的收入等等个人财政情况。</p>
<p>&nbsp;</p>

aihusin

不是说要贷款的量加,只是不想从一家贷90%.贷90%的利息太高了.<br/>我买房现金不够,但是又不想贷90%.有其他方法么?<br/>

aihusin

回居士,多一家的律师费,要比贷90%的利息少多了.<br/>

雨茜

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>aihusin</i>在2008-6-24 22:05:00的发言：</b><br/>不是说要贷款的量加,只是不想从一家贷90%.贷90%的利息太高了.<br/>我买房现金不够,但是又不想贷90%.有其他方法么?<br/></div>
<p>&nbsp;</p>
<p>呵呵，刚刚和贷款部门的同事确定过了。</p>
<p>&nbsp;</p>
<p>从原则上来说，一套房子只能有一个房屋抵押贷款。所以，楼主就放弃这条路吧~</p>
<p>&nbsp;</p>
<p>不过，实在没有办法，就只有personal loan,不过利息要比房屋贷款高非常多。</p>
<p>&nbsp;</p>
<p>从长远来看，还是建议楼主现在开始多多存现金，再买房子吧~</p>

[此贴子已经被作者于2008-6-25 17:12:32编辑过]

老鼠爱小米

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>aihusin</i>在2008-6-22 12:02:00的发言：</b><br/>我计划买房子，可否同时向两家银行贷款买同一个房子？这样我就可以少贷点款了。 <br/></div>
<p>&nbsp;</p>
<p>你到底是要少贷点款还是想贷多点？？晕了。</p>

雨茜

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>雨茜</i>在2008-6-25 17:02:00的发言：</b><br/>
<p>&nbsp;</p>
<p>呵呵，刚刚和贷款部门的同事确定过了。</p>
<p>&nbsp;</p>
<p>从原则上来说，一套房子只能有一个房屋抵押贷款。所以，楼主就放弃这条路吧~</p>
<p>&nbsp;</p>
<p>不过，实在没有办法，就只有personal loan,不过利息要比房屋贷款高非常多。</p>
<p>&nbsp;</p>
<p>从长远来看，还是建议楼主现在开始多多存现金，再买房子吧~</p>
<div align="right"><font color="#000066">[此贴子已经被作者于2008-6-25 17:12:32编辑过]</font></div></div>
<p>&nbsp;</p>
<p>There are potentially 5 different types of loans that FIs can grant for property purchases. Namely </p>
<ol>
<li>Housing loan,
<li>Bridging loan
<li>Construction loan,
<li>Overdraft, and
<li>5th charge term loan.</li></ol>
<p>The one you can use is Housing Loan and Term Loan, however, you can only have one housing loan.</p>
<p>&nbsp;</p>
<h4>Q: What is a 5th charge term loan?</h4>
<p>A: A 5th Charge Term Loan is an extra loan that is normally taken for general purposes. This type of loan has to be secured against a mortgaged property. The property being mortgaged may or may not have existing loans secured against it. What ever the circumstances may be, the borrower should always speak to the respective FI to inquire further as to his eligibility.</p>