First of all, there is a simple method to calculate the debt ratio: monthly repayment amount ÷ monthly income = personal debt ratio, such as monthly income 1w, monthly repayment (including mortgage) of 5000, and personal debt ratio of 50%. What is different from individuals is the asset-liability ratio: total liabilities ÷ total assets = asset-liability ratio. Take the mortgage as an example. For a house with 100w, the down payment is 30w, and the total loan principal and interest of 70w is about 100w. Asset-liability ratio 100÷ 130=76.92% When the house is preserved, even if it needs to be decorated and married, the asset-liability ratio will not be higher than 100. The safe debt ratio given by the research institute is 50%, which is why the mortgage needs proof of income, and the monthly repayment amount is not higher than half of the monthly income, that is, the personal debt ratio is controlled below 50%. Due to the preservation of real estate in the domestic market, the asset-liability ratio is not very important. Only when other individuals consume too much and need the risk of asset balance will the asset-liability ratio be considered.

According to the above, it can be seen that the debt ratio of 1850% given by financial institutions is mostly the advanced consumption of people without mortgage, and the calculation is based on the asset-liability ratio, that is, the way of total loans-total assets (deposits), that is, monthly income or deposits 18w, and total loans 18W, where the loans are Then, the monthly income 1w can still afford the loan of 18w (the lower the income, the lower the total loan), so the debt ratio does not make much sense. What matters is repayment ability, that is, personal debt ratio. Take Bian Xiao as an example. The mortgage is 3,000 yuan, the loan is 6,000 yuan per month, the monthly income is 3,500 yuan, and the debt ratio is (1500+1500+6000) ÷ 3,500 = 257%. Obviously, the debt ratio of 100% is barely passable. If it exceeds 100%, you can only embark on the road of supporting loans with loans, otherwise it will not last, and you basically have no ability to resist pressure risks. Take the loan as an example. The annual interest of each 1w loan is 0. 12w, and the total interest of a 5w loan is 0.6w If you take the loan to support the loan, it will be a bottomless pit, so I advise you not to spend in advance, or the abyss will stare at you.