When handling loan procedures, there are still many places where buyers need to make choices, such as the choice of loan method, repayment method and loan term, which will have an impact on the monthly repayment amount in the future. There are generally two criteria for determining the monthly payment amount. In order to ensure their own risks, the lending bank will require the borrower to pay no more than 50% of the monthly income. If the buyer has a stable job and is unmarried or married but has not given birth, then the monthly mortgage repayment can account for a relatively high proportion of family income, reaching 40%-45%.

From the point of view of buyers, we can consider reducing the pressure of repayment for ourselves when calculating the monthly payment, especially for those who are married and have children, so it is most appropriate to set the monthly payment at about 30% of the family's monthly income. Because the proportion of monthly payment to family income is appropriately reduced, the daily expenses of the family and the education expenses of children can be well guaranteed.