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Vivinavi Los Angelesローン
- #1
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- トマト1011
- 2010/09/30 13:56
家のローン組み替えでは なく 単に銀行から 別のローンが組む事ができますか ?
聞いたところによると 自営ではかなり難しいとのこと。
要するに 現金が要るのです。
何か いい方法をご存知のかた 是非教えてください。
- #3
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- ルーシールーシー
- 2010/09/30 (Thu) 22:16
- Report
トマト1011さん、質問の意味が良く分かりません。
他の銀行からリファイナンスするのではなくて、同じ銀行で利子の安いローンにリファイナンスする事ですか?
それとも、今あるローンの利子を安くしてもらうようにモディファイする事で須加
- #4
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- ルーシールーシー
- 2010/09/30 (Thu) 22:18
- Report
トマト1011さん、質問の意味が良く分かりません。
他の銀行からリファイナンスするのではなくて、同じ銀行で利子の安いローンにリファイナンスする事ですか?
それとも、今あるローンの利子を安くしてもらうようにモディファイする事でしょうか?
- #5
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- PuffyPurin
- 2010/10/01 (Fri) 08:26
- Report
要するに現金が必要なんでしょ?
リファイナンスの場合、今なら利子は安くなりますが手数料もかかりますから、すぐに現金が必要でしたらバツ。
モディフィケーションは現在のLenderのみ プラス Qualifiy するかどうか。。。でもTRYしてみる価値はあると思いますけど。Modificationなら手数料は取られないし、
今より月々のMortgage がお安くなる分、現金が浮くことになりますね。ただ、Modification は期限があるので、数年後に大変になる可能性は大。それまでの間に、なんとか収入を増えてれば問題はないでしょうが?
現金が必要なら 他に収入源を確保するのが一番いいと思うんですが。。。
- #6
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- okada123
- 2010/10/01 (Fri) 08:36
- Report
Home Equity Loan のことですね。今借りている金額より家の価値が高い場合、その差額を借りる事ができます。銀行へ行って、聞いてみてください。今すぐに使わなくても、前もって申し込んでおけば、車を買ったり、家のリモデルの時にすぐ借りられて、とても便利です。
- #7
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別のローンを組むって...Home Equity Loanの事でしょうか?
現在の家の価格と現在残っている住宅ローンの額の差額に対して70%~80%位がHome Equity額(ローンが組める)の目安のようです。
不動産価格が上がっていた数年前は、銀行の方からHome Equityを借りませんか?と融資のお誘いがあり、20万ドル~30万ドルの枠をくれてましたが...最近はどうなんでしょうか?
取引のある銀行でHome Equity Loan のご相談をされたらいかがでしょうか? Good luck!!
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