Now many property buyers will definitely use financial leveraged loans to buy a house before buying a house, because the bank's loan interest rate is very low. In fact, bank credit is heavily inclined to mortgage, so that buyers can not only obtain funds from banks quickly, but also greatly reduce the cost of mortgage with several rounds of interest rate cuts. However, although some people have applied for large loans to buy a house, it is difficult to pay the high monthly mortgage, which has caused great economic pressure on families and stretched them everywhere. At this time, the question is coming. Is it better to borrow more from the bank? How much is the appropriate monthly repayment? Applying for a mortgage has become a difficult problem for many buyers, but they are discouraged.

Pre-calculated mortgage repayment ability coefficient

The repayment ability coefficient is used to calculate the repayment ability of the lender. It is the ratio of the loan principal to the lender's income in the current month. For example, the coefficient is 0.4, the monthly income is 8,000 yuan, and the monthly repayment can be 3,200 yuan. The coefficient is 0.5, the monthly income is 8,000 yuan, and the monthly repayment can be 4,000 yuan. The repayment ability coefficient can prevent the risk that the mortgage cannot be repaid because the monthly repayment amount accounts for a high proportion of family income. If you want to know your repayment ability, you must know the repayment ability coefficient.

Personal repayment ability coefficient is related to personal monthly income, job nature, family property and credit information. The higher the personal income, the more stable the job, the more family property and the better the credit information, then his repayment ability coefficient will be greater. On the contrary, it will become smaller. At present, the repayment ability coefficient of commercial loans is generally 0.5. If the monthly income of the buyer is 1 10,000 yuan, then the monthly repayment ability is 5,000 yuan, that is, a loan of 5,000 yuan can be obtained every month.

The repayment ability coefficient of provident fund is determined according to different loan years, and different cities have different regulations. The repayment ability coefficient of Tianjin is 35% within ten years (including ten years), 40% within ten to twenty years (including twenty years) and 45% within twenty to thirty years.

The repayment ability is considered from three aspects.

Repayment ability means that buyers have such repayment ability and can apply to the bank for the maximum loan amount at most. However, in addition to understanding the monthly repayment amount, buyers also need to understand the repayment ability in the following three aspects, and finally determine the appropriate monthly repayment amount through comprehensive evaluation.

1, calculate the down payment ability

When calculating your down payment ability, you must add the decoration cost of the house, because no one can live in a rough house.

2. Calculate the monthly supply capacity

If you buy a house with a loan, the monthly supply should be controlled at about 30% of your monthly income, because you should not only consider the rise of the loan interest rate, but also consider the decline of your income. In addition, when buying a house with a loan, it is best to set aside a mortgage for one year.

3. Calculate the ability to raise a house

The cost of raising a house includes property fee, heating fee and 24-hour hot water fee. If the house you buy is far from your work place, you should also consider the transportation fee. Therefore, the monthly supply should be controlled at about 30% of the monthly income. If the monthly repayment fails to reach the required total loan amount, the loan period can be appropriately extended to avoid excessive economic burden caused by mortgage.

(The above answers were published on 2016-11-28. Please refer to the actual purchase policy. )

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