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דיברתי היום עם בנק שמוכן לתת הלוואה לזרים (כלומר למי שלא חי בארה”ב ואין לו מספר …

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Nadlan Group August 13
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דיברתי היום עם בנק שמוכן לתת הלוואה לזרים (כלומר למי שלא חי בארה”ב ואין לו מספר סושייל סקיוריטי).
אמר שהתנאים של הבנק הם:
30% הון עצמי
כ- 7.5% אחוז ריבית
מה אתם אומרים? הייתם לוקחים משכנתא כזו?

קישור לפוסט המקורי בפייסבוק – עובד במחשב שולחני (לצפייה בפוסט יש להיות חברים שאושרו לפורום)

Categories: Global real estate
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#יזמתהשבוע אליה חורש #פוסט6 “אַתָה מוֹצֵא שְׁלוֹשָׁה שֵׁמוֹת שֶׁנִקְרְאוּ לוֹ לָאָדָם: אֶחָד – מָה שֶׁקוֹרְאִים לוֹ אָבִיו וְאִמוֹ, אֶחָד – מָה שֶׁקוֹרְאִים לוֹ בְּנֵי אָדָם,…

eliya_horesh
Eliya Horesh November 25
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Responses

  4. Danny Shaket July 9

    אני בינתיים לא מקבל לא כתשובה. הגעתי לבנק נוסף – Fairway.
    כרגע העסקה שלהם היא מינימום 25% הון עצמי, עבור מינימום 75K$ אבל הריבית ההתחלתית היא בערך 9.2%.
    גם הסוכן שם אמר לי שככל שעושים יותר עסקאות ולומדים אחד את השני הריבית יורדת. הבעיה היא שבסכומים כאלו זה באמת שם את כדאיות העסקה בספק.
    https://www.fairwayindependentmc.com

    אבל לכל האחרים שמכירים וחקרו – אל תהיו בונקר. זו לא תחרות. תשתפו.

  9. Dani Beit-Or June 25

    הלוואה ל 30 שנה
    מטרת ההלוואה לנכס להשכרה.
    גובה ההלואאה היא כ- $150,000
    עלויות לקיחת הללואה כ- $2500 כולל שמאות
    אין נקודות
    ריבית קבועה
    אין קנס פרעון מוקדם
    לא ירדנו לעומק איזה מסמכים – אבל בגדול רוצים לראות נתוניפ פיננסים כגון חשבון בנק, תלושי משכורות, תשלומי שונים, הפקדת משכורת.

  11. Eyal Paz June 25

    הייתי בוחן את זה עם יועץ פיננסי או כל איש מספרים אחר שאתה עובד איתו.
    יש הרבה פרמטרים לבחון כדי לשמור על שולי רווח מספקים ובטוחים

  12. Yuval Klein June 25

    היתרון להבנתי שמעצם לקילת ההלוואה אתה מתחיל לצבור קרדיט. אז בהמשך זה ישפיע על היכולת לקחת הלוואות נוספות בתנאים טובים יותר. אני עכשיו לוקח הלוואה בתנאים פחות מוצלחים אפילו רק בשהיל זה.
    אשמח לדעת איזה בנק

  14. Shalom Afraimian June 25

    הרבה מלווים יתנו לך פה שהבנק הזה נותן. זה אחלה ובמיוחד אם לא תלוי הכנסה בישראל.
    תוודא לכמה זמן הריבית נעולה ומה טווחי המינימום מקסימום ומתי היא מתחילה לטפס.

  16. Chanan Landau June 25

    הלוואה 30-70 LTV ? רק לאכידה או גם לשיפוץ ?
    ריבית 7.5% וכמה point וכמה recording ?
    הלוואה קצרה לפליפים או גם הלוואה ארוכה לרייפיננס ?
    מה הסכום ? ללא הגבלה ?

  17. Asaf Gishron June 25

    יש הרבה שאלות פתוחות:
    כמה עלות ההקמה, עלות שמאי, עלויות סגירה.
    צריך לראות בכמה השמאי מעריך את הבית. אם את חושב שהבית שווה מאה והשמאי חושב שמונים אתה תקבל שיבעים אחוז עם השמונים!
    צריך להבדיל בין מורטזציה לשלושים שנה לבין תקופת הריבית. תראה לכמה זמן הריבית נעולה.
    תראה כמה כסף נזיל הן רוצים בסגירה… הם רוצים לראות יכולת החזר.
    הכי חשוב זה כמה השמאי יעריך את הבית.

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