UPDATE: 接着昨天的有趣话题：能贷几个loan的问题

刚刚回家路上接到朋友打来的电话（我昨晚email给他们本坛某人提供的银行，让他们试试，据说如何如何），他简单说了下他打电话的情况。银行的loan officor的确说他们可能贷10个以下的loan. 但在朋友深入的问了些问题后，他感觉一般，不跟进。他说银行说可以10个以下，但所有的东西（包括利率的锁定）都要取决于final approvals. 他和我说这种事情他们见多了。没什么difference.

俺知道的这个朋友的情况是这样的，两人工作，收入在国人算很高 （男的开consulting firm,女的biotech公司部门主管），还买了不少银行房，全部是很正的现金流。 他们有4个conventional loans (就是我昨天老说的real bank loan）还有一个其他的loan，共5个。两人的信用过800。但是就是这样好的条件，挺长时间以来就不停地折腾，白白耗费了几千刀银子（appraisals)，别说再多贷款了，最后连自己的四个Loan的refi都没折腾下来。全让银行给拒了。他们说他们什么都试过，找过几个本地银行，他们还找过至少2，3个不同的贷款公司（老美老中），他们还找过自己的lenders。都不行。他们说所有的答案就一个，他们的条件super qualify但是就是有5个loan.不能满足银行的要求。听他们上次找老美公司时说那个非常有把握，结果最后还是不行。这就是为什么我非常肯定的说银行根本不贷4个以上的conventional loan.而且要是有5个loan会非常难。 因为我非常清楚他们所经历的情况。如果只是loan officer说行，他们说听的这种promise多了，到最后还是不行。所以，结论就是，在你没有真正拿到贷款前，什么都是BS.

所有跟帖： 

• haha, that is also very true..... -jy101- ♂ (851 bytes) () 12/20/2010 postreply 17:56:09

• That is crazy. I think the banks are still extremely nervous -youandmychina- ♂ (399 bytes) () 12/20/2010 postreply 18:08:16

• banks are not stupid like before... -jy101- ♂ (348 bytes) () 12/20/2010 postreply 18:34:23

• I know they have been working with one which is where -youandmychina- ♂ (114 bytes) () 12/20/2010 postreply 18:45:13

• what I am try to said here is... -jy101- ♂ (358 bytes) () 12/20/2010 postreply 18:17:45

• That is very true. Thanks for the info. I think sometimes -youandmychina- ♂ (121 bytes) () 12/20/2010 postreply 18:40:56

• banks want good customer, not someone just drive by overnight. -jy101- ♂ (69 bytes) () 12/20/2010 postreply 18:46:03

• absolutely. JY 老大，你的见解往往是 -youandmychina- ♂ (93 bytes) () 12/20/2010 postreply 18:49:56

• 坛子里的LOAN BROKER回答最好了。我们拿到了多于4个的贷款，没问题。 -SunshineInCA- ♀ (198 bytes) () 12/20/2010 postreply 19:25:21

• Someone is gonna say you are lying :-) -Conehead- ♂ (0 bytes) () 12/20/2010 postreply 19:40:08

• 每个人经历不一样，所以见解不一样。所以别生气。 -SunshineInCA- ♀ (141 bytes) () 12/20/2010 postreply 21:13:58

• It is a bit complicated -Conehead- ♂ (83 bytes) () 12/20/2010 postreply 21:52:41

• 明白了，你可能会成大地主。 -SunshineInCA- ♀ (0 bytes) () 12/20/2010 postreply 22:46:04

• en....depending on what kind of things you are consulting, -youandmychina- ♂ (0 bytes) () 12/21/2010 postreply 05:06:22

• by the way, my friend is in hi-tech field, -youandmychina- ♂ (121 bytes) () 12/21/2010 postreply 05:10:27

• No, she is not lying. But someone else may be boasting. -youandmychina- ♂ (0 bytes) () 12/21/2010 postreply 05:03:49

• lucky you! -黎明新生- ♀ (521 bytes) () 12/20/2010 postreply 19:58:00

• We didn't do cash refi. -SunshineInCA- ♀ (317 bytes) () 12/20/2010 postreply 21:07:56

• Yeh, I put 25% down too -Conehead- ♂ (249 bytes) () 12/20/2010 postreply 21:49:03

• here is another weird thing: -黎明新生- ♀ (269 bytes) () 12/20/2010 postreply 22:50:58

• You need take time to find right bank. I am in RE less than 2 ye -SunshineInCA- ♀ (25 bytes) () 12/20/2010 postreply 23:11:25

• 我觉得老中都是25%down. -youandmychina- ♂ (0 bytes) () 12/21/2010 postreply 05:12:15

• yes, credit unions are good place to start too.. -jy101- ♂ (0 bytes) () 12/20/2010 postreply 19:59:40

• we tried credit union, we meet all the criteria, and -黎明新生- ♀ (173 bytes) () 12/20/2010 postreply 20:21:21

• I didn't get you. My membership is only $20 -SunshineInCA- ♀ (166 bytes) () 12/20/2010 postreply 21:10:43

• Sorry, I meant the loan pay back period was 10 years max, not 30 -黎明新生- ♀ (93 bytes) () 12/20/2010 postreply 22:22:07

• No way, my case is 30 year fixed loan. -SunshineInCA- ♀ (0 bytes) () 12/20/2010 postreply 22:37:38

• yes, i got 5/1 15yrs pay back 50% LTV -leappad- ♀ (19 bytes) () 12/21/2010 postreply 06:37:54

• 这个妹妹说的倒是很重要的信息。我会转达给那个朋友。 -youandmychina- ♂ (114 bytes) () 12/21/2010 postreply 05:16:24

• 我的loan agent说可以贷到10个。。。。 -天下攘攘- ♀ (0 bytes) () 12/20/2010 postreply 19:40:01

• 他们说他们的loan officers开始都说可以，可是最后都不行了。 -youandmychina- ♂ (76 bytes) () 12/21/2010 postreply 05:19:41

• 为什么总是怀疑别人呢？地点，贷款人，和银行都很重要。有人能贷到，有人不能。 -天下攘攘- ♀ (60 bytes) () 12/21/2010 postreply 10:44:07

• 我的这个朋友很有代表性。第一，他们的收入非常高（ -youandmychina- ♂ (296 bytes) () 12/21/2010 postreply 05:25:31

• investment loan with more than 4 -autumnmoon- ♀ (551 bytes) () 12/22/2010 postreply 12:46:28

• I have 20 loans -zhao123- ♀ (2073 bytes) () 12/22/2010 postreply 17:51:54