美国八屋会计事务所

买房需提前2个月备好资金


从业超过10年的佳信贷款公司副总裁徐光祖提醒民众,在贷款买房前,头款要及早到位,同时,买方的银行账户要避免有大笔资金进出,否则将给贷款造成困难。

徐光祖说:“很多人买房子,最后买不成,不是因为他信用不好,也不是因为他的收入不够,而是因为他的资金没有到位,或者到位时间很短。因为美国有防洗钱法,当你买房子的时候,就受防洗钱法的约束。如果你的钱到你的账户里面时间不够2个月,银行就觉得你这个钱的来源不是很干净的。那么这个钱没有办法拿来买房子,这是很多人遇到的问题。”

其次,徐光祖表示,消费者若保持较高的信用分数,会提升贷款的成功概率。“(贷款买房)查收入的信用分数至少在620分。但是请记得一点,不查收入,银行会说我都看不到你的报税收入了,如果你的信用再不好,就不肯借钱给你了。所以,不查收入,信用分一定要在680分以上,如果是大额贷款,信用分数要在700分以上。”

同时他还指出,贷款你若要求不查收入,利率会较高,但如果找到担保人,也可以拿到2.5%左右的贷款利率。另外,不查收入的贷款费用会比查收入的高出大概一倍。他说:“因为不查收入,很多专员或很多公司会跟你收点数,一个点数就是你贷款金额的1%,40万美元的贷款就要付4,000美元,50万美元的贷款就是5,000美元,而查收入贷款就没有这项费用。”


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