谢龙哥回复，这样就太好了。
依您之见，现在把已经升值了的自住房转BTL，套钱出来买大的贵的，还值得这样做吗?
你好，又想出几点：
1.套现了，说不定以后房价会涨，物价涨的时候，房价也会涨。房子毕竟是最保值的。而且每年还能收租金。现在钱套现了，不找到好的保值方法，以后钱可能就不值钱了。
2。不套现的话，房租和工资一起付房贷应该比只有工资付房贷压力小吧
第二套你可以支付40%左右，为什么不做interests payment only 那种，一个月就付几百磅的样子。你那边有房租，完全是很轻松啊。
第二套的价格如果是800k,首付40%，还有480K需要贷款，应该很难吧，主要收入两人只有50k一年。按照工资5倍，只有250k,还差230k呢。哈哈哈哈
Interest only ,也要看收入的吧
哦，是哦，national wide, 要求个人100k 收入一年。对不起哦，不知道你要买800K的房。
They almost became extinct in the wake of the credit crunch, and were once branded a “ticking timebomb” by the City regulator. However, interest-only mortgages have begun moving back into the mainstream.
This week an Essex-based building society announced that teachers, doctors and lawyers are among the professions being offered the chance to sign up for a mortgage on an interest-only basis.
Saffron building society is the latest in a line of lenders to tentatively re-enter this market or relax their criteria. However, the hurdles a borrower must jump to qualify for one of these mortgages are often high. In many cases you have to earn a minimum amount and stump up a large deposit.
Interest-only mortgages arguably helped millions of people on to the housing ladder, some of whom wouldn’t otherwise have been able to afford to buy, and even now it’s not hard to see the appeal of these deals. Someone who takes out a £200,000 mortgage fixed at 3.27% for three years (one of the rates offered by the Saffron) with a 25-year term would initially have to pay £977 a month on a repayment basis, but only £545 a month on an interest-only basis.
However, they came to be seen as one of the worst examples of irresponsible lending in the years running up to the credit crunch, when their popularity soared. Many interest-only loans were taken out without any proof that borrowers could pay off their debt, and in 2009 the City regulator officially branded them as “high risk”.
Nevertheless, many experts maintained that these loans remained right for certain people, and rising house prices have helped to make banks and building societies more comfortable about this type of lending.
With an interest-only mortgage your monthly payments are lower because you don’t pay off any of the capital debt. Instead, you must produce evidence of a “repayment strategy” for paying back the capital at the end.
Advertisement
Saffron is offering interest-only mortgages via its Saffron for Intermediaries arm. This option applies to its occupational mortgage range, which includes loans for the self-employed, contractors and professionals. The full list of “acceptable professionals”, who must be fully qualified and practising, is: accountants, actuaries, architects, barristers, chartered surveyors, commercial pilots, dentists, medical doctors, optometrists, pharmacists, certain financial advisers, solicitors, teachers and vets. Bankers, mortgage brokers and certain other professions will also be considered.
Saffron’s interest-only mortgages are only available up to 70% loan-to-value (LTV) – ie, you must have a 30%-plus deposit or equity stake.
NatWest re-entered the interest-only market last year, but requires someone to earn £100,000 excluding bonuses, and will only lend up to 75% of the property’s value. By contrast, Santander’s minimum income is lower: £50,000 for single applications or a combined £70,000 for joint where any part of the mortgage is interest-only. It says this “may be a combination of primary and secondary incomes”. Santander’s maximum loan is 75%, though any lending over 50% up to 75% LTV must be on a capital and interest basis.
Meanwhile, Barclays says sole applicants must earn at least £75,000, but for joint applications a combined income of at least £100,000 is OK. Barclays’s maximum loan is 75%, and for new interest-only borrowers it insists on a minimum loan of £300,000.
哈哈哈，800K是梦想啦，万一哪天踩狗屎运实现了呢……
因为感觉如果一个月贷款2000的话，房租和工资一起还，压力不大…屌丝也有梦想啦
哈哈，屌丝都有无贷款的房子出租，那其他人怎么办？你家人很多吗？不然买个学期好的小三房不就行了吗？一般400k-600k 伦敦四五区的地方都买得到吧。
你第二套房是已经有现金了吗？还是要靠第一套房的re-mortgage 套出现金呢？
家人不多，就是想住在house,毕竟有小孩了嘛，假设第二套能自己提供350k的现金，不需套现。然后现在的房子目前租金能有1500的样子，两人工资50k哈哈哈（不要见笑）
想着如果能从第一套房子套现的话（比如70%的话，可以有280k的样子），这样第二套房首付就可以变成（350+280=630k）了，剩下的再用自己工资贷款哈哈哈哈哈
请不要见笑，虽然赚钱少，但还是有点梦想的 
哈哈，我现在好奇的是你们夫妻俩年薪共£50k,那么£350k 的现金是哪里来的， 我也要做屌丝 
歪楼了歪楼了 
歪个楼，interests payment only的优势在哪里呢？还是本利一起还踏实，不然总欠银行那么多钱啊。
想住大房子又没有其它钱，只能用这个办法啊，划算不划算那是另外的事情。
优势在于每个月少付钱，有钱先享受，或者存钱再买一个。
Correct, so we can focus on capital growth, the budget is more in controlled.
I mean interests only payment
大哥总是很厉害