不動産担保型住宅ローンについてお聞きします。

質問と回答
  • 不動産担保型住宅ローンについてお聞きします。 今購入しようと思っている家があって、その家が1270万円なのですが、税込、保険、仲介手数料など諸々込の金額で1400万円くらいだと言われました。 ですが、わたしの収入は200万円しかなく、母も過払い金請求等があり連帯債務者などにはなれません。 そこで、祖父の許可をもらって祖父の家を担保に不動産担保ローンを組もうと思っています。(祖父の家はH20年くらいに建てたばかりで、大体2500万円くらいで建てたそうです) 銀行などでローンの話を聞いてきたところ、住宅ローンでは引越しの諸費用やリフォーム代金までは住宅ローンとして借り入れできないので、別のローンを組む形になると言われました。 それは不動産担保ローンでも同じなのでしょうか? 持ち合わせの貯金も少ないので、できれば一緒に借りたいと思っているので、1500万円ほど借りたいのですが、難しいでしょうか?ちなみに返済は35年で行っていく予定です。 ご存知の方がいらっしゃれば、回答よろしくお願いします。
  • 住宅ローの審査は属性です。 属性とは、年収、勤続年数、勤務先、家族構成、他のローン等 で、総合的に判断されるのです。担保の有無は関係ない。 さらに、住宅ローンには返済比率というものがあり、年収200万 ですと、年間の返済上限が30%以下。つまり、月で5万が返済の 上限です。他のローンがるとさらに引かれる。 借入額は、公務員等の最強の属性でもこの掲示板で年収の6.5倍 程度。 あなたの年収200万ではよくて上限が800万から1000万くらい。 とても1500万は無理で、第一返済できる余裕資金があるかどうか 疑わしい。 ダブルワークやアルバイト等、まずもっと収入を上げる努力をし ようよ。それからだ。

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