Does the wife's debt of 200,000 have an impact on her husband's buying a house?
Under normal circumstances, a wife's debt of 200,000 yuan will definitely affect her husband's loan approval. If the bank finds that the borrower's spouse has too much debt, it will think that the borrower is a high-risk customer and refuse the loan directly. If it is found that the debt ratio is not very high, it will have no impact.
The calculation formula of personal debt ratio is: personal debt ratio = (total personal debt/total assets under personal name) * 100%. Borrowers can substitute the income of themselves and their wives to see if the debt ratio exceeds 50%. If it exceeds, it will be difficult to apply for a loan. If it does not exceed, there is still great hope for loan approval.
Of course, for people with different economic conditions, the proportion of debts they can bear is different. For ordinary office workers, the debt ratio of 30%-40% is normal. If the debt ratio of commercial giants Ma Likun and Ma Hua Teng is as high as 70%-90%, the impact is not great.
Generally speaking, assuming that company leaders, corporate executives and people with an annual income of more than 500,000 apply for bank loans and their wives owe 200,000, it is not a big debt for banks. But for ordinary people, high debt ratio will affect the application for credit cards and loans. And it will affect personal credit behavior. After the husband and wife get married, the property is shared and the debts are the same.
The above is "Does the wife's debt of 200,000 have an impact on her husband's buying a house?" I hope it will help everyone!