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中国人喜欢买房,认为房产保值。这个其实还是有一定道理的。房地产具有周期性。但从长远看房产还是升值的。即使2008年以前买了房,房价大跌,在水下好多年,如果能坚持到现在,房子也升值了好多。Covid-19这三年房价又迎来了一波增长,许多人的房产都有了不少的equity,因此想将这些钱拿出来搞装修,付孩子学费,或是用做其他大的花费。那么怎样将钱从房子里拿出来呢? 这个操作英文里专门有一个术语叫”borrow against your home’s available equity”。什么是equity?就是你现在房子评估的价值减去你欠的贷款。如下表所示: ![](data:image/png;base64,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)
第一年的Equity实际主要是你的首付(你投入房子的钱没有消失)。假设到第五年房产升值到40万,贷款因为还本金也在减少到16万,那么你房子的equity就有24万了。你如果需要钱应急或有大的花费就可以将这部分钱给借出来。 但是且慢,银行不会做增加其风险的买卖的。它们最多让你借到房产价值的80%或更低。像上面的例子银行如果只让你借到75%,那你最多可以借$400,000 x 75% = $300,000。记住银行不会做亏本买卖的。这30万首先要拿来还贷款16万,所以你能借的现金只有14万了。 那这14万怎么借出来呢?有下面三种方法: - Cash-out Refinance: Refinance顾名思义就是重新贷款。比如你想从14万里借出6万来。原来贷款还剩16万,那么你就可以重新做一个新的16 + 6 = 22万的贷款。这6万可以以现金的形式给你。新贷款可以选更低的利率,也可以30年变15年的贷款。这在利率低的时候是一种好的cash-out的方式。但在现在高利率的环境下这么做是比较亏的。因为你原来16万的贷款前几年有可能是很低的利率,但为了这6万现金重贷要变成高利率,实际是不太划算的。那么有其他更好的方法吗? 这就涉及到下面的两种方法。
- Home Equity Loan: 这个就是在原来16万贷款的基础上申请另外一个6万的贷款。原来16万贷款继续享受低利率,新贷款可以做新的利率和贷款年限。
- Home Equity Line of Credit (HELOC): 这个跟Home Equity Loan类似,也是在16万基础上申请一个6万的贷款。但顾名思义这个是line of credit,跟信用卡一样给你这个额度。你只有动用额度花钱才需要还款,不花就不需要。分为两个阶段:第一阶段叫“draw period”,就是花钱记账(一般10年)。至于还款可以只付利息。利率是浮动的。因此高利率环境下还的利息要多些。第二阶段叫”repayment”,就是还钱(一般10-20年)。利率固定,要在规定时间内将欠的钱还掉。
这三种是通常用的从房子里取钱的方法。上面的图里进行了对比。不过要注意的是无论用哪种方法都是以你的房子做抵押的。如果还不上贷款default的话就有失去房子的风险,到时房产保值就没有意义啦。所以做之前先跟专业人士沟通一下,看看适合哪种方式的贷款,用好自己的equity。 |