买第二间房子银行最多能借多少?

kc2011

我和家人合买了一间小型工厂。因为我还没买屋子，我想知道当我买屋子住时银行能借到９０％吗？拥有工厂再买屋子算是拥有两间房产吗？我不知道如果买第二间政府有规定银行能借最高多少％？

我之前有买过屋子不过卖了。。这不会影响我贷款的高低吧？

希望各位给点意见。。。还是有最新regulation的link？

twcheong0307

可借90%的loan

kc2011

回复 2# twcheong0307

谢谢～ 政府有规定第几间起不能借多吗？商用的房产不算在内对吗？

twcheong0307

回复  twcheong0307

谢谢～ 政府有规定第几间起不能借多吗？商用的房产不算在内对吗？
kc2011 发表于 20-7-2012 11:53 AM

    算在内。。
第三间就只能借70%而已。。
但还是有办法的。就是放两个名咯

kc2011

回复 4# twcheong0307


    那我就放心了。。希望能拥有第二，三，四，五间。。。

nycvang

算在内。。
第三间就只能借70%而已。。
但还是有办法的。就是放两个名咯
twcheong0307 发表于 20-7-2012 12:07 PM

Mr A 拥有三间房产，Mr B没有房产。就算放两个人的名也只能借70%而已。

nycvang

回复  twcheong0307

谢谢～ 政府有规定第几间起不能借多吗？商用的房产不算在内对吗？
kc2011 发表于 20-7-2012 11:53 AM

第一和二间借90%。第三间起只能借70%。商业性房产好像Soho，工厂，office suites等都不算在内。

nycvang

回复  twcheong0307


    那我就放心了。。希望能拥有第二，三，四，五间。。。
kc2011 发表于 20-7-2012 12:11 PM

第二，三，四，五间什么样的房产？商业性或非商业性房产？

kc2011

回复 8# nycvang


    第一间是小型工厂了，打算第二间是自住的屋子，接下来的就看到时候能力到哪。。我觉得投资还是商用的比较好。。。不过价钱都比较高。。。

kc2011

回复 7# nycvang


谢谢！去年政府刚改regulation，所以我也不确定。。google又找不到最新的info。。不知道如果商业的产业有受这条规限制吗？比如买第三间商用产业借更少吗？

kc2011

Mr A 拥有三间房产，Mr B没有房产。就算放两个人的名也只能借70%而已。
nycvang 发表于 20-7-2012 12:51 PM

只要是其中一个买超过两间就算在内了啊。。。请问哪个网站有detailed info吗？

vincentsieng

直接pay完钱买下来先，然后再去alliance bank re-finance可以借到90%，不理你拥有了多少间房产了。只是不知道这个配套还有没有罢了。

kc2011

直接pay完钱买下来先，然后再去alliance bank re-finance可以借到90%，不理你拥有了多少间房产了。只是不知 ...
vincentsieng 发表于 20-7-2012 02:14 PM

"直接pay完钱买下来先"

呵呵。。。就是没酱多钱才会希望可以借多。。。如果够多本钱的话应该不会介意给多十几二十％了。。还是谢谢你，这个方法不错，还是可以用在别的情况！

missing

如果是用来投资的我这边倒是可以第三间 都可借到 90% =） 不过要算 DSR 。

fixed rate b-1

nycvang

kc2011 发表于 20-7-2012 01:43 PM
只要是其中一个买超过两间就算在内了啊。。。请问哪个网站有detailed info吗？

是啊~ 只要是两人其中一位买超过两间就算了。我只找到这个，但是英文的，希望可以帮到你。

BNM ruling on 70% third housing loan cap limit

(8 November 2010) Further to Bank Negara Malaysia’s (BNM) announcement on the implementation of a maximum loan-to-value (LTV) ratio of 70%, which will be applicable to the third house financing facility taken out by a borrower, effective from 3 November 2010, it is understand that the banks have already received the BNM’s detailed policies and guidelines on the 70 percent housing loan limit.

It is learnt that the 70% third housing loan margin is only affecting the nature individuals (not company) who are currently having two outstanding mortgage loans and intend to take on the third loan. The BNM ruling is also applicable to any loan applications by joint purchasers/borrowers, if anyone of the purchasers/borrowers has two outstanding mortgage loans. For example, Mr A & Ms B have jointly purchased a new house and applied for a bank loan together. If Mr A has two existing outstanding mortgage loans, the new loan is only entitled to a maximum of 70% margin.

However, the BNM ruling is not applicable to a loan to be taken out by a company (Sdn Bhd or Bhd). This may open up a loophole for escaping from the 70% loan cap.

For loans which was fully settled or repaid, those loans will not be taken into the count. Say, if a person has two bank loans and one of which was fully settled, he is not subject to the 70% loan limit if he intends to take on a new housing loan.

BNM ruling is only governing the banks lending policies. Even if a person is having a total of five properties but without any outstanding bank loans, he is not subject to the 70 percent margin of financing limit if he were to purchase the 6th property and financed by a bank loan. This loan is considered as the first mortgage loan.

As long as the loan is for residential house or apartment, including serviced apartments, it is subject to the BNM ruling of 70% loan cap.

kc2011

nycvang 发表于 22-7-2012 09:19 PM
是啊~ 只要是两人其中一位买超过两间就算了。我只找到这个，但是英文的，希望可以帮到你。

BNM ru ...

看来还是有loophole哦,只要注册sdn bhd 就不算在内... 谢谢你的资料!

wudiwang

如果你有两间屋子在供着，其中一间outstanding少及市价已提高，你可以re-finance来还清另一间的loan（如果够的话）, 那第三间就可以借90%了

任你借

kc2011 发表于 23-7-2012 10:10 PM
看来还是有loophole哦,只要注册sdn bhd 就不算在内... 谢谢你的资料!

要注意哟。。。那个是旧资料来的。。。。