向大家请教一个买房子初级问题:
我们想买一个稍大一点的房子, but we don't have enough cash for 20% down payment. We have some equity in our current house. We plan to rent out our current house after we move to the new house. I also checked with a mortgage broker and was told that we are qualified to apply for mortgage loan for the full amount of the new house.
Which of the following options makes more sense:
1. Apply for Home Equity Loan from the current house and use the money to make up for 20% down payment.
2. Apply for a large mortgage loan with only 5 to 10% down pay and pay Mortgage Insurance on the new loan.
3. Any other options?
Thank you so much for your input!
买新房子 downpayment 问题
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4. Increase home price and ask the owner cash back the differenc
-tianfangye-
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10/30/2012 postreply
15:38:17
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80% 1st mortgage + 10% 2nd mortgage
-sneezy888-
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10/30/2012 postreply
16:16:51
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回复:80% 1st mortgage + 10% 2nd mortgage
-ggjj77-
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10/30/2012 postreply
18:17:16
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自住的(或第2房)很多银行只要求少于20%就行了。记得TD bank 是这样的。怎么搞下也不必须买贷款保险的。你可以去问问。。。
-MrsKwok-
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10/30/2012 postreply
16:16:52
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回复:买新房子 downpayment 问题
-ggjj77-
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10/30/2012 postreply
18:33:37
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谢谢大家帮我出主意!
-raymom-
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10/30/2012 postreply
19:26:04