Jan 12 2022, 10:55 AM
QUOTE(Sylph818 @ Jan 12 2022, 10:24 AM)
We are looking to buy a bigger house and found some subsale which is around 750k.
Prepared 130k for downpayment.
Husband, 42
Income 6k - 9k depends on sales target, commission bank in by monthly directly to bank
Commitment:
Housing Loan: Cleared
Car Loan： Cleared
PTPTN: NO
Credit Card Debt: NO
Wife, 36
Income: 6.7k
Commitment:
Housing loan: 1.2k monthly (277k loan amount)
Car loan: 690 (60k)
PTPTN: No
Credit Card Debt: No
Is that possible we could get the loan approve for at least 30 years by joint borrower?
Prepared 130k for downpayment.
Husband, 42
Income 6k - 9k depends on sales target, commission bank in by monthly directly to bank
Commitment:
Housing Loan: Cleared
Car Loan： Cleared
PTPTN: NO
Credit Card Debt: NO
Wife, 36
Income: 6.7k
Commitment:
Housing loan: 1.2k monthly (277k loan amount)
Car loan: 690 (60k)
PTPTN: No
Credit Card Debt: No
Is that possible we could get the loan approve for at least 30 years by joint borrower?
QUOTE(Sylph818 @ Jan 12 2022, 10:42 AM)
we have extra income like share market, rental....
You didnt mention monthly rental income.Assuming is 1k, then balance to top up is 1.9k ....assuming there is minimum void period.
Havent taken into consideration your current place rental after moving out.
You should be ok with 24 years loan. Worst case, if things go south, sell away the rental properties.
This post has been edited by mini orchard: Jan 12 2022, 11:35 AM
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