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2020年房屋贷款最高额度是多少?

问题:我手上有一笔现金,想提前还清房屋贷款,应该怎么样避免被收罚金呢?有没有更好的方法,让我的现金帮我省钱又赚钱?
贷款专家Monica 回答:

这种情况,我告诉你三种算法,哪种算账方式更划算,你再做选择。

​第一种:还清贷款。

在贷款合约里面,会有“提前一年,半年,或者几个月付完借款会支付罚金“这样的条款。

你需要做的是:查看你在借贷款的时候跟贷方(Lender)签的合约的内容是什么?了解在哪个时间点以后提前付清贷款是不需要付罚款的?

其次,如果真的非常想要把欠款付清的话,就就可以跟银行去商量,告诉银行你要提前付清罚款,请帮我算一下,按照合约里的罚款条约,我需要交付多少罚金?按照计算结果,对比剩下年份要付的利息和罚金,哪个更划算?再做选择。

第二种:报税时的对比。

如果提前换清贷款,你省下了每个月的月付款,但是年底报税的时候,你的贷款利息部分就不能帮你抵税了。对比你整体的收入,如果利息的抵税额度,比你要付的利息更加多的话,这也是值得你计算和考虑的。

第三种:另做投资。

不急于还清贷款,把现有的资金拿来投资另一个房子,这样你不仅增加了收入,还增添了资产。一举两得。

注:关于已经签好的提前付清会有罚款的合约,是不可更改的。

 

问题二:请问2020年的房屋贷款最高额度是多少啊?

贷款专家Monica 回答:

2020年1月1号开始,美国政府规定小额贷款,小Jumbo ,大Jumbo的上限都有调整。好消息就是,都有往高的调整。

例如,2019年的小额贷款,独立屋和PUD的贷款上限为48万4千,2020年1月1号以后close的贷款,就可以到51万零4百了。大概多出3万多块,而贷款者仍然享有小额贷款的利率。

如果你买两个单位,一个自住一个出租,或者两个都出租都可以。2020年的1月1号贷款上限就变成63万5千。买三个单位的话,上限达到78万9千9百5。买四个单位的话,上限高达98万1千7百。所以对于我们投资房屋是很好的消息。

(2019年和2020年贷款上限对比图)

 

注:不同的county,县市对于贷款上限有不同规定,具体请咨询贷款专家。

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