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1%ローン
- #1
-
- houba
- 2007/06/16 01:59
日系の雑誌によくでている、”ローンの裏技”と称してとても安いローンでモルゲージが組めるようなことが書いてあるのですが、実際、本当にくめるのでしょうか?電話をかけたところ、”とにかく来てくれ”の一点張りで、少々怖くなった次第です。アドバイス
御願いいたします。
- #2
-
- jimmychan
- 2007/06/16 (Sat) 07:49
- 報告
そんな良い話は絶対に無いので辞めたほうがいいですよ。100%と言っていいくらい得は無いです。
- #5
-
今、普通にかりたら、家のローンは6%ぐらいするのにそれを1%で貸すというのにはうらがあるということです。多分1年とか2−3年だけこのレートであと何十年も残り高いレートで払わされる。今アメリカで大問題になっているのご存知ないですか。アメリカのニュースでいまよくやっていますよ。
急に毎月の支払いが高くなって払えなくなって、家をてばなさなければならなくり、おまけに家が値下がりし、借金だけ残ることになり、大変なことになりますよ。
- #4
-
知り合いは、キャッシュアウトを勧められ、更にそのお金を生命保険で運用するように強く説得されたようです。
もちろん、そんなことはするべきではありません。
多分、ローンは組めるでしょうが、数年後にきっと後悔することになると思います。
- #3
-
ローンオフィサーをしています。 その人のクレジット歴にもよりますが普通のローンと同じで可能です。 houba さんが気をつけないといけないのは1%ローンだと1年後、又はある一定の額が principle を超えてしまうと(1%ローンなので毎月元金は増えて行きます。)変動性ローンに代るので又 refinance をするか又高い金利を払うようになります。このローンはまず equity が家の value から20%以上ある方、今ある理由があってとりあえず毎月の支払いを抑え、(例えばビジネス、建康の理由)来年又 refinance する、又は売る方。数名の方に1%ローンを組みましたが、ビジネス経営者が殆どで「とりあえずこの1年間は支払いを最低限にしたいから、、、」という方が多かったです。 (Cash out をしたい場合は 1.5% ローンになります。)
”とにかく来てくれ”と言う会社も理解できませんが、普通電話で大体のクレジット歴、収入を伺ってから Good faith estimate をメール、又はファックスで送信して御客様がそれでも「これだったらやりたい。」という事でしたらお会いした方が両者にとってもベストだと思いますよね。 色々と広告が出ていますので何社かに 「1%ローンを考えているので Good faith estimate を下さい。」と言えば3分ぐらい質問されて1時間以内でだしてくれる筈です。
Mortgage loan は人生で1番大きな投資なので慎重に决めて下さいね。
“ 1%ローン ” に対する書き込みの有効期限は終了しました。
引き続き同じトピックを続けられる場合は、新規トピックを作成してください。
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