HELOC对贷款有什么影响?

来源: 2021-09-13 12:30:00 [] [旧帖] [给我悄悄话] 本文已被阅读: 次 (1024 bytes)
考虑用HELOC 的钱去买投资房,买好了租出去以后再给出租房办一个贷款把钱取回来。但是担心这样做比不申请HELOC直接贷款的难度要大一些?

例如我自住房HELOC $1M with 每月利息 $1K。投资房dai?k?w$800K with monthly mortgage and property tax of $2000; 出租收入 rental income of $1600; 假如我的自住房mortgage and tax are $3000, and my monthly W2 income is $10k.

Case1: with heloc, debt is $1000+$2000+$3000, income is $10k plus 0.75*$1600=$1200, which totals $11200. My debt to income ratio is $6000/$11200=54%.

Case2: without heloc, I buy the rental property with loan on day 1. Debt is $2000+$3000, income is $10k because on day 1 I don’t have rental income from the rental property yet. So my debt to income ratio is 50%.

Is the above calculation correct? So the heloc makes my debt to income ratio worse? 那这样看起来是不是就不应该申请HELOC,还不如投资房直接贷款能够更容易贷到款?

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我曾经写过两篇文章可能对你会有所帮助 -jenning- 给 jenning 发送悄悄话 jenning 的博客首页 jenning 的个人群组 (811 bytes) () 09/13/2021 postreply 13:07:15

多谢了! -绿园紫竹- 给 绿园紫竹 发送悄悄话 绿园紫竹 的个人群组 (0 bytes) () 09/13/2021 postreply 13:30:00

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