准备和政府买bto，现在遇到了问题。打个比方，房屋80w。银行能够贷40w。现在自己住的组屋值60w。全都还完了。手上cash10w。这不够的首付能推迟么？
5 条回复
-
#1
应该可以以现在的房屋抵押贷款的吧， 再加上你本身的贷款， 应该够80%， 其他的以现金和CPF付， 应该够够了
-
#2
hdb不可以抵押贷款只有买hdb的时候可以贷款。一旦还了不可以再cash out。楼主手上现金那么少就不该早早还清贷款，没有做好规划。
-
nie 楼主#3
抵押贷款怎么操作是怎么估算
-
#4
可申请过桥贷款 （bridging loan）
A bridging loan is a short-term loan offered by a bank, which will serve the purpose bridging the monetary gap between the sale of your old house and the purchase of your new home.
These loans are designed to tide you over until you receive the proceeds from the sale of your old house. In some cases, it also includes until you find a suitable buyer for your property. These loans are a short-term financing solution that is meant to be fully repaid within 6 to 12 months.
A bridging loan can be used for more than just purchasing a new home. A bridging loan can also be used to renovate your home while waiting for approval on your mortgage application.
-
#5
BTO首付10%而已另外10%拿钥匙时才给