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6月上GTA房市销量零增长 挂牌量猛升
本帖最后由 Dilbert 于 2012-6-19 09:04 编辑
抵押贷款的前提是,你要有实际净资产,银行再乘以60-80%的系数给你做LOC. 如果你只付20%的首付买房,这套房原则上是银行的,你想拿银行的房去抵押再套银行的钱? 那怎么可能? 老汉以为,有100万贷款的人,必定有远远超过100万的净资产。
你这个贷款循环说, 老汉是闻所未闻,能详细说一下吗? 谢谢。
无忧了 发表于 2012-6-18 23:33 ![]()
^ Only partially correct. It's your asset + your income potential x years you can work. If you own a house worth $500k, but you are 70 years old, you could probably only get a loan which is a portion of your asset. If you have no asset, but your annual income is $100k and you are only 30, then getting a half million mortgage won't be difficult. |
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