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高嘉瑜貸款8成 網驚：銀行不是小套房限貸？
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記者蔡佩蓉／台北報導
民進黨立委高嘉瑜的閨房曝光，如資源回收場的「衣服山」嚇壞網友，不過，仍有許多人緊追擁有2千多萬元房產議題。就有網友好奇，她貸款8成，每個月約要繳8萬多元房貸，但銀行不是小套房只能貸到6成？專家對此有解。
全球居不動產情報室總監陳炳辰指出，套房型產品因為身價增幅有限，銀行對該類物件貸款優惠不多，甚至因為購置者不乏投資傾向，或是資產不算太多，銀行也在風險考量上的核貸分數也不高，都讓購置方難以取得好的貸款方案。
不過他表示，仍有不少套房產品，因地點不錯，如黃金門牌或是距離捷運站近，加上申貸人的薪資水準與工作都穩定，信用分數佳，貸到8成並不少見。因此不論是兩門牌被認為仍是套房，或是兩戶打通因為坪數走高，某些銀行會放寬套房貸款限制，若是職業身份不錯，房產位置也佳，物件賣相不錯，貸到8成並非難事。
陳炳辰補充，有的銀行會認為坪數變大，可以不用被視作套房，但如果還是兩個門牌有的銀行也會視作仍是套房，就看銀行自己的認定。而由於今年房市熱，其實不少銀行都願意針對小套房放貸逾8成，跟外界認知，小套房難貸「限制與現實有很大落差」。
存錢10年、今年10月順利買下人生第一間房子的陳泰源就說，銀行知道許多行業看的是「年收入」而非「固定月薪」，自己購置的小套房原本A銀行不承作套房，即便是VIP級客戶，最高也只能貸到6成，但B銀行能給到8成5房貸。結論是，還是要看個人財力狀況與條件，小套房也能貸到8成。
【推薦閱讀】沒固定收入！銀行「看到這點」秒給8成5貸款！
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