The monthly payment can be a small personal consumption loan or a large loan to buy a house. Different loan amounts will have different monthly payments. For office workers with a fixed monthly salary, monthly payment may be a relatively large monthly expenditure plan. If the monthly supply is too high and the monthly supply pressure is high, other expenses in life will be tight, so how much is the monthly supply for wages?
How much is the monthly salary?
Generally speaking, the bank will stipulate that the monthly payment of the borrower shall not exceed 50% of the monthly income, which is also to ensure that the monthly payment will not affect the normal life of the borrower. Considering that everyone's endurance and pressure resistance are different, we can draw three "suitable" lines, and everyone will be seated accordingly.
1, the monthly payment is 40%-50% of the salary.
For example, a salary of 5,000 yuan and a monthly payment of 2,000-2,500 yuan are the critical lines for bank lending. At this time, I only have 2,500-3,000 yuan for living expenses, 300 yuan for property utilities, 200 yuan for internet calls, 1.200 yuan for eating and buying vegetables, 300 yuan for fruit snacks, 200 yuan for daily consumables, and 1 yuan for transportation.
2. Monthly payment is 30%-40% of salary.
That is, the salary is 5000, and the monthly payment 1500-2000 is the stable line to maintain life. Excluding the above basic living expenses, you can have a monthly balance in 500 yuan, which can be used to improve the quality of life, invest in education, or save money for financial management. In case of unstable work in the future, don't pinch it. This interval is more suitable.
3. Monthly payment is 20%-30% of salary.
That is, the salary is 5000, and the monthly contribution is only 1 000- 1 500, which can be said to be a relatively comfortable line. Excluding the basic living expenses, the balance is relatively abundant, which can be more than 1 000. It can be said that the monthly supply in this interval will not be stressful, and it will not have much impact on life. It is very comfortable and suitable.
The above is about how much the monthly payment is appropriate, and I hope it can help you.
What is the appropriate ratio of mortgage to salary?
Generally, the monthly income is required to be at least twice the monthly payment. For example, if your income is 8,000 yuan per month, then your monthly repayment will be up to 4,000 yuan. Banks consider the borrower's repayment ability and control the risk by limiting this ratio. It can be said that 50% of monthly income is the maximum amount of loan application. In practice, buyers need to adjust according to their own needs and economic conditions.
Taking household income as the measurement unit, there should be three golden lines for the ratio of monthly supply to income:
1, comfort line, mortgage accounts for about 20% of income.
For families, if the monthly income is 1000 yuan, the mortgage accounts for 2,000 yuan, and the remaining 8,000 yuan can be used for other expenses, which is still relatively affluent and will not have much impact on life. It should be said that the proportion of mortgage accounts for 20% of income is still relatively comfortable.
2, the stable line, mortgage accounts for 20%-35% of income.
Under this ratio, although it may affect the family's higher quality of life, considering the factors such as house appreciation and income growth potential, it is still possible to maintain a normal life. At this time, the family's material property is still stable.
3. Warning line, mortgage accounts for over 40% of income.
According to the national commodity housing personal loan regulations, if the mortgage accounts for more than 50% of the monthly income, it does not have the loan conditions; When it reaches 40%, it will enter the warning line. At this time, the monthly payment ratio is too high, which brings great challenges to the maintenance of family life and may cause non-performing loans of banks.
1. If you are a stable unmarried property buyer and have no children,
It is suggested that the monthly payment should account for 40% of the income, because for single buyers with jobs, the family pressure is small when they are young, and the appreciation potential is great. Consider setting the monthly payment at 40% or even higher. This is to add some pressure to yourself, and the pressure has become a driving force. The income is getting higher and higher, and the proportion of monthly mortgage payment will become smaller and smaller.
2. If you are a buyer who has a stable job, is married and has children,
It is suggested that the monthly payment should account for 20%-35% of the income, because for buyers with families and children, the family pressure is greater, and the family daily living expenses and children's education are healthier.
The following questions need to be considered when buying a house with a loan:
1. Understand the housing credit policy of this city.
This year's housing credit policy is in a state of differentiation. Hot cities restrict purchases and loans, and third-and fourth-tier cities and some second-tier cities still maintain destocking policies. Therefore, before buying a house, you need to know the credit policy of the city where the loan is used, such as the qualification of buying a house and the down payment ratio.
2. Make financial planning before buying a house.
After understanding the policies and housing prices, we should make financial planning according to our own economic situation. For example, the proportion of monthly mortgage income is acceptable. If the house needs to be renovated, the renovation fee should be reserved.
3. Choose the repayment method that suits you.
After determining the loan, you should choose the repayment method that suits you. Common repayment methods include equal principal and interest and average capital. The monthly repayment amount of equal principal and interest is the same, so it is more suitable for families with normal spending plans, especially young people, and economic conditions do not allow excessive investment in the early stage. You can 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. Buyers should choose according to their own needs.
As for the ratio of monthly payment to income, it cannot be said that it is good to borrow more, and it is not good to borrow less. Instead, it is necessary to let buyers reach the "best state" and reduce the cost of buying a house. On the one hand, we should also consider what kind of life we want to live after buying a house within our debt capacity. After all, everyone's family situation and economic situation are different, and what suits them is the best.
Legal basis: People's Republic of China (PRC) Commercial Bank Law.
Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.
Article 39 A commercial bank shall abide by the following provisions on the management of asset-liability ratio when granting loans:
(1) The capital adequacy ratio shall not be less than 8%.
(2) The ratio of loan balance to deposit balance shall not exceed 75%;
(3) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%.
(4) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed 10%.
(5) Other provisions of the State Council Banking Regulatory Authority on asset-liability ratio management.
If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.
How much monthly income can I borrow? These factors should also be considered.
Many people have good credit information and are refused loans. A big reason may be that their income is not up to standard. After all, for wage earners, monthly income can directly reflect the repayment ability of lenders. If the repayment ability is not strong, it is easy to be refused a loan. So, what's the monthly income? Is it easier to apply for a loan? Let's have a look.
How much monthly income can I borrow?
Generally speaking, this is not a rigid rule, because it also takes into account the amount of loans you need. But one thing is certain: the higher the income, the easier it is to get a loan, and the higher the loan amount.
If the monthly income is too low, the loan will definitely not succeed, and the lending institution will determine that you have no repayment ability. Generally speaking, the income next month should be at least 3,000 yuan, which is a good loan. At the same time, it should be based on the local average consumption level. If the consumption level in your city is high, your income will have to increase accordingly before you can apply for a loan.
It depends on the type of loan applied for. For example, applying for a mortgage usually requires that the monthly income must be more than twice the monthly payment, for example, the monthly payment is 3,000, and the monthly income must be at least 6,000. If the standard is not met, there is a great possibility of being refused a loan. However, if the married person's personal income is not enough, the husband and wife can borrow money together, as long as their total monthly income reaches the standard, it will be easier.
However, monthly income is not the only reference factor for loans. If the lender's monthly income is not enough, but he can provide asset certificates such as automobile production, real estate, and large deposit certificates as collateral, he can also apply for a loan, and the loan amount will be much higher than that based solely on monthly income.
This concludes the introduction of how much a loan is a salary and how much a loan is a salary. I wonder if you have found the information you need?