{"id":91,"date":"2024-03-15T10:15:33","date_gmt":"2024-03-15T02:15:33","guid":{"rendered":"http:\/\/13.250.106.137\/blog\/2017\/06\/16\/pros-and-cons-of-joint-ownership-property\/"},"modified":"2025-07-24T14:09:00","modified_gmt":"2025-07-24T06:09:00","slug":"pros-and-cons-of-joint-ownership-property","status":"publish","type":"post","link":"https:\/\/iqiglobal.com\/blog\/cn\/pros-and-cons-of-joint-ownership-property\/","title":{"rendered":"\u8054\u540d\u4e70\u623fYes Or No\uff1f\u4e70\u4e86\u623f\u624d\u95f9\u63b0\u600e\u4e48\u529e\uff1f"},"content":{"rendered":"\n

本文内容是由IQI旗下房地产中介Joyce Yeoh<\/mark><\/strong><\/a>提供。<\/em><\/p>\n\n\n\n

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如今房价高涨，自己买房真的十分困难！因此，在马来西亚很多人都会选择与亲友联名购房。 <\/p>\n\n\n\n
考虑到目前高昂的房价，联名贷款成为许多年轻首次购房者的首选。这不仅能减轻负担，还能解决贷款问题。 <\/p>\n\n\n\n
然而，联名购房真的是最佳选择吗？你曾想过，若日后出现问题，联名购房可能带来无尽麻烦？ <\/p>\n\n\n\n
因此，在决定是否联名购房之前，了解其利弊，再决定是否要联名买房也不迟。<\/p>\n\n\n\n
阅读内容<\/mark><\/h2>
联名买房的好处<\/a><\/li>
联名买房的坏处<\/a><\/li>
联名买房闹掰了怎么办？<\/a><\/li><\/ul><\/div>\n\n\n\n
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联名买房的好处<\/strong><\/h2>\n\n\n\n
1. <\/strong><\/span>人多力量大，买房选择也多<\/strong><\/h3>\n\n\n\n
当你和其他人一起购买房产，购房资金相比独自购房时更为充足，也提升了你们的购房能力<\/strong>。<\/p>\n\n\n\n
这意味着你们在选择房产时拥有更多的选择<\/strong>。简而言之，你们有足够的资金购买地点更佳、环境更美、更宽敞且价格更高的房产。<\/p>\n\n\n
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$\"联名买房的好处\"$ <\/figure>\n<\/div>\n\n\n
通过联名购房，其他人与你一同分担了房屋成本和房贷，即使选择了价格较高的房产，你的负担也不会太过沉重。<\/p>\n\n\n\n
此外，在房子装修方面，你也有更多的资金可以将房屋装修得更加精美。若用作投资，这将提高房产的价值，从而获得更高的租金回报率<\/strong>和资本增值<\/strong>。<\/p>\n\n\n\n
<\/a>2. 银行贷款申请批准率高<\/strong><\/strong><\/span><\/h3>\n\n\n\n
近年来，银行在审批房屋贷款时的标准变得越来越严格，会根据申请人的每月净收入、固定债务等因素来评估其偿还房贷的能力。<\/p>\n\n\n\n
一般来说，一个人申请银行贷款购房往往会面临较大的审批难度<\/strong>。<\/p>\n\n\n\n
然而，联名购房的情况则有所不同，银行会考虑到多个申请人共同偿还房贷的情况，因此拖欠贷款的风险相对降低<\/strong>，申请获批的可能性也会提高<\/strong>。<\/p>\n\n\n\n
但值得注意的是，不同银行对于审批房贷的门槛和偿还比率（DSR）的上限有所不同，因此最终是否获批取决于具体的情况。<\/p>\n\n\n\n
因此，你们可以考虑同时向多家银行申请房贷，以增加获批的机会。<\/p>\n\n\n
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$\"联名买房的好处\"$ <\/figure>\n<\/div>\n\n\n
3. 降低贷款利率<\/strong><\/h3>\n\n\n\n
一个人购房时，通常需要花费数年的辛劳储蓄，才能筹集到约为房价10%的购房首付款。<\/p>\n\n\n\n
然而，如果是两个或多个人联合购房，他们就能够集合更多的资金，支付更多的头期，比如15%、20%甚至更多。 <\/p>\n\n\n\n
头期给的多不仅能减少了向银行申请贷款的金额<\/strong>，还可能降低了贷款利率<\/strong>。<\/p>\n\n\n\n
此外，如果购房者能够通过提取公积金账户的存款来增加购房首付的数额，那么他们申请的贷款金额将进一步减少，从而使贷款利率有可能再次下降。 <\/p>\n\n\n\n
这种情况下，购房者将能够享受到更有利的贷款条件，减轻了未来还款的压力。<\/p>\n\n\n\n
联名买房的坏处<\/strong><\/h2>\n\n\n\n<\/a>1. 90%<\/strong>的房贷固打浪费了<\/strong><\/span><\/h3>\n\n\n\n
$\"\"$ <\/figure>\n\n\n\n
虽然联名申请房贷会比较容易获得贷款；但是，根据国家银行（BNM）的规定，一个人贷款所买的房子（包括联名购买的房子）：<\/p>\n\n\n\n
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首2间<\/strong>住宅房产：可以申请最高90%的贷款<\/strong><\/li>\n\n\n\n
第3间<\/strong>住宅房产：可以申请最高70%的贷款<\/strong><\/li>\n<\/ul>\n\n\n\n
简单来说，如果你购买的第一间房子是联名购买的，并已经获得了90%的贷款，那么你已经错失了一次获得90%贷款的机会。<\/p>\n\n\n\n
这也意味着与你联名购买的人也同样失去了这样的机会。<\/p>\n\n\n\n
换句话说，原本两个人有着4次获得90%贷款的机会，但现在只剩下2次了。<\/p>\n\n\n\n
如果你想购买第二间、第三间或更多的房产，你只有在购买第二间房子时有机会再次申请90%的最高房贷。<\/p>\n\n\n\n
2.<\/strong> 首购优惠减半<\/strong><\/h3>\n\n\n\n马来西亚政府为了减轻首次购房者的负担，推出了各种 购房计划和优惠政策<\/strong><\/a>，其中包括建造价格较为廉宜的可负担房屋、在2025年前免除印花税的政策，以及提供高达110%的房贷等。<\/p>\n\n\n\n
然而，如果你和联名购房的另一方都是首次购房者，那么你们会将自己享有的首次购房者优惠机会都用在了这次购房上<\/strong>。<\/p>\n\n\n
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$\"联名买房的坏处\"$ <\/figure>\n<\/div>\n\n\n
举个例子，假设你和另一位购房者都是首次购房者，都是有机会购买一间价格较为廉宜的可负担房屋。<\/p>\n\n\n\n
如果你们选择分开购买，每人可以购买一间房屋，这样共计可以购买两间房屋。然而，如果你们决定联名购房，最终只能购买一间可负担房屋。<\/p>\n\n\n\n
简而言之，这意味着无论你们日后想要共同或分开购买第二间房产，都无法再享受到这些优惠<\/strong>。<\/p>\n\n\n\n
3. 一生一次的RPGT豁免浪费了<\/strong><\/h3>\n\n\n\n在马来西亚，每位大马公民在出售自己的住宅房屋时，享有一次豁免产业盈利税<\/a><\/strong>（Real Property Gains Tax，简称RPGT）的优惠。<\/p>\n\n\n\n
RPGT是由马来西亚内陆税收局征收的资本盈利税，适用于当业主出售土地或房地产获得盈利时。<\/p>\n\n\n\n
与首次购房者的优惠类似，如果你选择联名购房，那么在出售房产时，你们将同时使用了这唯一的一次豁免产业盈利税的机会<\/strong>。<\/p>\n\n\n\n
但是，如果你们是分开购买房产，那么每个人都将有一次机会享受豁免产业盈利税的优惠。<\/p>\n\n\n\n
4. 双方信用评级息息相关<\/strong><\/h3>\n\n\n\n
尽管联名贷款可以提高申请贷款的批准率，但前提是所有贷款者的信贷记录必须良好<\/strong>。<\/p>\n\n\n
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$\"联名买房的坏处\"$ <\/figure>\n<\/div>\n\n\n
如果你的信贷记录良好，但你的联名伙伴长期拖欠债务，导致信用评级恶劣，这可能成为房贷被拒的原因。<\/p>\n\n\n\n
为了顺利获得银行的房贷，建议在决定联名贷款购房前，先了解双方的信用评级<\/strong>，包括对方的债务情况、是否按时偿还所有贷款，以及其他个人债务等。<\/p>\n\n\n\n
只要了解清楚，除了能顺利获得银行贷款，也不用担心对方未来会拖欠房贷。<\/p>\n\n\n\n
想要查询你的信贷记录？可以通过CCRIS和CTOS<\/a>查看！<\/p>\n\n\n\n
5. 闹掰后，真的很麻烦<\/strong><\/h3>\n\n\n\n
联名买房最害怕的一件事，就是以后大家的关系破裂，如离婚、分手、翻脸、拆伙等，都会造成懊恼的问题发生。<\/p>\n\n\n\n
举个例子，小情侣买房后却分手需要协调房子的贷款、房子以后该如何处理等。<\/p>\n\n\n\n
要不然就是脱售产业意见不合，一方想卖房，另一方却不要卖，处理起来也是怪麻烦的。<\/p>\n\n\n\n
若发生以下其中一个情况，更是头疼！<\/p>\n\n\n\n
a. 其中一方宣告破产<\/strong><\/h4>\n\n\n\n
如果联名购房的一方陷入经济困境，马来西亚报穷局<\/strong>会介入处理其财产，包括其在房地产中的产权份额。此时，报穷局可能会采取以下几种处理方法之一：<\/p>\n\n\n\n
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将该方的产权份额拍卖出售<\/strong>；<\/li>\n\n\n\n
冻结并接管<\/strong>该方的产权份额和其他资产，直至其清偿债务；<\/li>\n\n\n\n
与其他联名购房者协商，共同购买该方的产权份额<\/strong>，或者共同出售房产<\/strong>。<\/li>\n<\/ul>\n\n\n\n
无论采取哪种处理方法，都会对其他联名购房者带来很大的困扰和不便。 <\/strong><\/p>\n\n\n
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$\"联名买房的坏处\"$ <\/figure>\n<\/div>\n\n\n
b. 其中一方发生意外失去工作能力或死亡<\/strong><\/h4>\n\n\n\n
此外，如果其中一位联名购房者失去工作能力或者不幸去世，导致无法偿还贷款的问题，也是会带来很大的困扰。<\/p>\n\n\n\n
现在向银行申请贷款购买房屋时，贷款者通常需要购买两种保险——递减式房贷保险（MRTA）<\/strong>或抵押定额式房贷保险（MLTA）<\/strong><\/a>。 <\/p>\n\n\n\n
MRTA：<\/strong>保障房贷（受益人为银行），如果贷款人发生永久残废或死亡事件，无法工作赚钱，保险公司将会偿还房贷。一旦房贷还清，家属就可以赎回该房产，无需再支付房贷。<\/p>\n\n\n\n
MLTA：<\/strong>在贷款人不幸身亡或永久残废时提供赔偿金，用以偿还房贷。<\/p>\n\n\n\n
虽然这两种保险提供的保障不同，但只要有这些保险的保障，即使你的联名伙伴发生意外，导致无法偿还贷款，你也只需要支付一半的贷款。<\/p>\n\n\n\n
IQI旗下房地产中介<\/strong>Joyce Yeoh在其视频中对这一议题进行了分享：<\/mark><\/strong><\/p>\n\n\n\n<\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-联名买房闹掰了怎么办\"><strong>联名买房闹掰了怎么办？<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-把房子卖出去-再平分收益\"><strong>1. 把房子卖出去，再平分收益<\/strong><\/h3>\n\n\n\n<p>如果确实出现了不可调和的矛盾，也许最直接的解决方法就是让联名所有者出售房产。<\/p>\n\n\n\n<p>再按照各自的产权比例<strong>公平分享房屋出售所得<\/strong>，并且结束所有涉及产权和贷款方面的法律责任。<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/03\/Rectangle-Content-Image-640x320-2-1.webp\" alt=\"\" class=\"wp-image-80933\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/03\/Rectangle-Content-Image-640x320-2-1.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/03\/Rectangle-Content-Image-640x320-2-1-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/03\/Rectangle-Content-Image-640x320-2-1-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>这种做法可以确保公平和正义，并且解决了由于产权纠纷而可能产生的不愉快局面。<\/p>\n\n\n\n<p>同时，通过终止所有相关法律义务，各方将不再承担任何房产和贷款方面的责任，从而解脱双方的负担，重新开始自己的生活。<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-其中一方向另一方买下房子\"><strong>2. 其中一方向另一方买下房子<\/strong><\/h3>\n\n\n\n<p>如果你希望出售房产，但联名的另一方不同意，你可以建议将你所持有的50%份额出售给对方，以达到双方都满意的结果。<\/p>\n\n\n\n<p>要实现这一点，你需要遵循类似于买卖<a href=\"https:\/\/iqiglobal.com\/blog\/cn\/what-kind-of-house-should-i-buy\" target=\"_blank\" rel=\"noreferrer noopener\">二手房屋<\/a>的程序。你和对方需要签署这些协议：<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/8-steps-to-buy-a-house-in-malaysia#spa-signing\" target=\"_blank\" rel=\"noreferrer noopener\">买卖合约（Sales and Purchase Agreement）<\/a>：<\/strong>此合约会明确规定你愿意出售你的一半产权给对方，以及相关的出售条件和价格。<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/6-things-you-should-consider-when-getting-bank-loan\" target=\"_blank\" rel=\"noreferrer noopener\">贷款协议（Loan Agreement）<\/a>：<\/strong>如果购买方需要通过贷款来支付购房款项的话，这些文件将确保交易的合法性和透明性，并为双方提供法律保护。<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"320\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2024\/03\/7.webp\" alt=\"联名买房闹掰了怎么办\" class=\"wp-image-80905\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/03\/7.webp 640w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/03\/7-300x150.webp 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2024\/03\/7-370x185.webp 370w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n<\/div>\n\n\n<p>在签署合约之前，建议你咨询专业的房地产律师，以确保你的权益得到充分保护，并且了解交易可能涉及的法律和财务责任。<\/p>\n\n\n\n<p><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-text-link-color\">文章内容部分摘自IQI旗下房地产中介——Joyce Yeoh于视频解说：<\/mark><\/strong><\/p>\n\n\n\n<iframe src=\"https:\/\/www.facebook.com\/plugins\/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fwatch%2F%3Fv%3D6832515646874699&width=500&show_text=true&height=1022&appId\" width=\"500\" height=\"1022\" style=\"border:none;overflow:hidden\" scrolling=\"no\" frameborder=\"0\" allowfullscreen=\"true\" allow=\"autoplay; clipboard-write; encrypted-media; picture-in-picture; web-share\"><\/iframe>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<p>在购房的兴奋氛围中，人们往往会忽略负面因素。<\/p>\n\n\n\n<p>然而，在这个过程中，还是必须提醒你，购房是人生中的重大事件。在做出任何决定之前，务必慎重考虑，以免将来后悔不已。<\/p>\n\n\n\n<p>或者是，你可以寻求专业人士帮助，让他们提供你专业和全面的咨询与建议，你也不用担心做出后悔的决定。<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<p><em>本文内容是由IQI旗下房地产中介<a href=\"https:\/\/www.iqiglobal.com\/agent\/yeoh-hui-ru\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Joyce Yeoh<\/strong><\/a>提供。<\/em><\/p>\n\n\n\n<p><em>Joyce 是 IQI Realty Elite Team 的负责人，拥有 5 年房地产从业经验。她凭借出色的表现，荣获多项殊荣，包括 2022 年 StarProperty All Stars Negotiator Award 及三次 IQI Rolex Achiever Award。<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_small\">\n\n\n\n<p><span style=\"color: #ff6600;\"><strong>就好像房地产科技公司IQI，旗下超过30,000人的专业房地产团队，在经过专业培训后，能够为买家提供专业的买房建议，帮助许多人圆梦买房！<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"color: #ff6600;\"><strong>留下你的信息，IQI的咨询团队将会联系你！<\/strong><\/span><\/p>\n\n\n\n<div class=\"wp-block-leadin-hubspot-form-block\">\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 5699703,\n\t\t\t\t\t\t\t\t\tformId: \"9ddf57bd-0495-4513-8a43-367d8f3ead46\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1776663100000-6467754302\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1776663100000-6467754302\"><\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide sc_height_tiny\">\n\n\n\n<p class=\"has-text-align-center\"><strong>延伸阅读<\/strong>：<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/what-is-ctos\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>CTOS影响买房？CTOS是什么？5招让你的CTOS分数UP UP！<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/5-incentives-that-first-home-buyers-must-know-in-malaysia\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>首购族有什么好处？你不可错过的马来西亚5个买房政策 【2024】<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/iqiglobal.com\/blog\/cn\/types-of-house-loan-in-malaysia\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>马来西亚房屋贷款到底有几种，利息到底怎么算，怎样贷款可以让你有最低的利息？<\/strong><\/a><\/li>\n<\/ol>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>\u8054\u540d\u8d2d\u623f\u5374\u662f\u597d\u4e0e\u574f\u53c2\u534a\uff1f<\/p>\n","protected":false},"author":92,"featured_media":80936,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[10298],"tags":[10670,5146,5448,10023],"class_list":["post-91","post","type-post","status-publish","format-video","has-post-thumbnail","hentry","category-agent-narrative","tag-ask-agent","tag--cn","tag--zh","tag-10023","post_format-post-format-video"],"yoast_head":"\n<title>\u8054\u540d\u4e70\u623fYes Or No\uff1f\u4e70\u4e86\u623f\u624d\u95f9\u63b0\u600e\u4e48\u529e\uff1f<\/title>\n<meta name=\"description\" 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