Banks require income twice as much as the monthly payment, personal loans for up to 30 years, and monthly income of 3,500 yuan. Then the monthly payment can only be within 65,438+0, 750 yuan. According to the current loan interest rate of 5. 1.5, the loan with the longest term of 30 years will be reversed, and the maximum loan will be 275,000 yuan by using the equal principal and interest repayment method. Choose the average capital repayment method, and the maximum loan amount is 265,438+200,000.

Precautions for mortgage:

Down payment ability

When calculating your down payment ability, you must add the decoration cost of the house, because you can't live in a rough house.

Monthly supply capacity

If you borrow money to buy a house, your monthly supply should be controlled at about 30% of your monthly income, because you should consider not only the increase in loan interest rate, but also the decrease in income. Besides, when you take out a loan to buy a house, you'd better set aside a mortgage for one year.

Solvency 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. The repayment ability coefficient can prevent the risk that the monthly repayment amount accounts for too high a proportion of family income and cannot repay the mortgage. If you want to know your repayment ability, you must know the repayment ability coefficient.

Calculation of repayment ability coefficient of mortgage loan;

For example, if the coefficient is 0.4 and the monthly income is 8,000 yuan, the monthly repayment can be 3,200 yuan.

If the coefficient is 0.5 and the monthly income is 8,000 yuan, you can repay 4,000 yuan every month.

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 even greater. On the contrary, it will become smaller.

What is the repayment ability coefficient of commercial loans?

The average commercial loan is 0.5. If you marry your wife and your monthly income is 65,438+0,000 yuan/month, then your monthly repayment ability is 5,000 yuan, and you can get a loan with a monthly repayment of 5,000 yuan.

What is the repayment ability coefficient of provident fund loans?

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

Different cities have different regulations on the repayment ability coefficient of provident fund. The repayment ability coefficient of Tianjin is 35% within ten years (including ten years), 40% in ten to twenty years (including twenty years) and 45% in twenty to thirty years. The solvency coefficient of Dalian is 0.35, and that of Kunming and Shanghai is 0.4.