Can I borrow 600 thousand if I buy a house with a monthly salary of 4500?
It is necessary to analyze it in detail. Take the commercial loan as an example, assuming that the loan interest rate is 30 years, the principal and interest repayment method is equal, and the loan is 600,000 yuan, then the monthly repayment amount is RMB.
According to the saying that the monthly running water is twice as much as the monthly supply, it just can't pass. Suppose it is a provident fund loan. Under the same conditions, the interest rate of provident fund loans is RMB per month, and some cities have the upper limit of provident fund loans. It seems impossible to apply successfully.
However, if the user has the same repayment person, or the user is a high-quality unit with stable working conditions, excellent credit conditions and other assets, then the bank is likely to pass the audit. In other words, when applying for a mortgage, although the running water is required to be twice the monthly supply, it will still be judged by comprehensive factors.
Of course, if your own credit conditions are average, it is still recommended to make preparations in advance, such as raising the down payment and improving credit information.
The above is about "Can a house with a monthly salary of 4,500 yuan borrow 600,000 yuan?" . Generally speaking, the answer is not fixed, mainly depending on the results of comprehensive examination and approval by banks. However, if users are worried about the difficulty of approval, they can improve the pass rate by increasing the number of borrowers, increasing the down payment and reducing the debt.