如何用remortgaging 再贷款

我爱我家 买房贷款
#1

我现在有自住公寓一套，当时买150千，现在估计市场价差不多200千吧，贷款还完了，现在想买一个250千的house自己住，公寓出租，, 自己现在有50千首付，请高人指点如何操作贷款？另外我听朋友说买第二套房可以让夫妻另一方来贷款，就说自己是单身可以逃避第二套房的3%的印花税，这个说法靠谱吗，谢谢

#2

就像你朋友说的一样，“逃避第二套房的3%的印花税”，关键词是逃避，逃税是非法的，被抓到要补交并且罚款。

#3

你第二套可以让你老婆去买吧，如果不是joint mortgage就不算做第二套房子。 而且我记得好像一个人可以有2套residential mortgage. 最好还是问一下broker

#4

以前问过银行，只要付的起首付，按估计 出租付得起月供，最好有份工作或者其他资产

#5

房产是以家庭为单位算的，就算一个人贷款也算第二套房。

#6

你老婆买也逃不开这个额外的印花税

#7

离婚让她买 {:5_148:}
但是，你仍然可以成为partner住在同一个房子里
http://www.telegraph.co.uk/tax/news/stamp-duty-madness-wed-save-20000-by-getting-divorced/

Married couples buying property together are being hit with unex­pec­ted tax bills under the Government’s new stamp duty rules.

Stamp duty traps are harder to avoid for married couples, who are counted as one unit under the law – to the extent that some people may feel sufficient incentive to divorce.

Last year the Treasury was accused of introducing a “tax on marriage” after it emerged that unlike cohabitees, married couples would be unable to put a home in each of their names to escape the duty.

One Telegraph Money reader is caught in a Kafkaesque paradox. She has been told that she and her husband have to pay an extra £20,000 duty – which could be avoidable if they were not married, or if they got divorced.

#8

成龙大哥，谢谢您的回复，我自己也不倾向于逃避印花税，像我这个情况是重新申请贷款第二套房子，跟第一套没有关系了，还是通过第一套remortgage 出首付，哪一种比较好一点，谢谢 {:5_137:}

#9

用已经没有mortgage的房子做抵押remortgage，很少有银行做这业务，就算有做的利率上也没有任何advantage。

你就再申请mortgage买下一个房子就行了，very straightforward。

只要收入可以支持，一个人贷多少个mortgage都可以。比如说收入可以支持100万贷款，那可以贷一个100万的mortgage买一个房子，也可以贷5个20万的mortgages买5个房子。

#10

谢谢成龙大哥 {:5_137:}