请看看我还可以贷款吗

乐天

我现在有一个6万的工作，刚买了套自住房，贷款26万，现在想再买套30-35万的投资房，请问我还可以贷款吗？

luoyi727

你是家庭唯一收入来源？如果是的话，比较有难度，可以尝试一下low doc

li_diana

原帖由 ansonge 于 19-3-2008 14:55 发表

                               
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我现在有一个6万的工作，刚买了套自住房，贷款26万，现在想再买套30-35万的投资房，请问我还可以贷款吗？

好像难度不是一般的大

jokewolf

你也太猛了，已经负债26万了，还要贷？

luoyi727

26不多，估计还有空间，楼主应该可以贷到30-40万

乐天

我反复算过，换款没有问题。现在我一个人工作，以前我老婆有工作由于生孩子就不去了，如果需要她可以随时回去。楼上说的low doc怎么操作。

RJK

low doc-- u have to pay 40% as deposit and get the left 60% loan from bank. But the interest rate will not be as good if it's low doc

U can find a broker to calculate it. U might be able to get loan from bank if the rental return of the new house is high enough. Of course u have to prove that. U can have a try anyway if you think it's a good investment property.

However, given ur wife is not working pls. don't overestimate the return of the property and your inflows and underestimate the maintenance fee of the properties.

Good luck

kiddfei

请问一般六万年薪（税前），单身，能贷多少？

乐天

30万吧

luoyi727

30-40吧，另外单收入比双收入家庭难贷

资深贷款经理

可以贷款得，简单！