1. In the case of stable work, if the buyer is 25-30 years old, the monthly payment can account for 40%-45% of the family income. Because people in this age group are young, their careers are on the rise, and most of them are unmarried or married and childless, the family burden in this period is relatively small, and with the development of their careers, there is more room for personal development, so the proportion of monthly payment to income can be appropriately increased.

If you are a property buyer over 35 years old, I suggest that you try to control your monthly payment below 30% of your family income. Because most of the buyers in this age group already have families and children, their daily expenses will naturally be relatively large, and their work is relatively stable during this period, so the proportion of monthly payment to family monthly income can be appropriately reduced.

What factors should I pay attention to when buying a house with a loan?

1, understand the housing and credit policies of this city.

Before buying a house with a loan, you must first understand the purchase policy and credit policy of the city where you live, such as the qualification for buying a house and the down payment ratio. These are all buyers need to know.

2. Make financial planning before buying a house.

After understanding the policies and housing prices, buyers will make detailed financial planning according to their own economic conditions. For example, the proportion of monthly mortgage income is reasonable for your own income. If the house still needs to be renovated, you need to set aside renovation expenses.

3. Choose the repayment method that suits you.

After determining the loan to buy a house, buyers must choose the repayment method that suits them in advance. Now there are generally two repayment methods for buying a house by loan: equal principal and interest repayment and equal principal repayment.

The repayment amount of equal principal and interest is fixed every month, so it is more suitable for families with normal consumption plans, especially young people. Because of the limitation of economic conditions, it is generally not allowed to invest too much in the early stage, so it is best to choose this method.

The average capital is more suitable for lenders with strong repayment ability some time ago, such as those with long working hours. Average capital can save more interest than equal principal and interest. But buyers still need to choose according to their own needs.