When buying a house, everyone should first make a self-comprehensive evaluation of their purchasing power, and then make a decision. How to evaluate?
First of all, it depends on whether you have a down payment of not less than 30% of the purchase price, because most real estate developers have this rigid requirement; Secondly, we should fully evaluate our ability to repay the principal and interest of housing loans every month, that is, whether the difference between monthly household income and monthly necessary expenses (referring to daily necessary expenses and reserve funds) is greater than the monthly repayment of the principal and interest of housing loans. The "zero down payment" mortgage of some banks is good news for those who haven't saved enough 30%, but at the same time, the monthly repayment amount of borrowers will increase accordingly.
Generally speaking, the monthly repayment of a family cannot exceed 50% of the family's monthly income, otherwise it will affect the normal life.
How do banks evaluate their lending capacity?
Different banks evaluate loan applicants in slightly different ways, but they mainly review the repayment ability and willingness of lenders. General banks will focus on the work certificate, bank flow, salary income, credit report, fixed assets, liabilities, data authenticity, education and so on. Banks generally have an evaluation system, and finally decide whether to pass the loan application according to the evaluation results.
Qualitative analysis and quantitative analysis. Analysts should obtain information from qualitative factors and quantitative statistics according to the characteristics of the assessed object to ensure a correct judgment on its credit level.
This is because each enterprise as the evaluation object has different characteristics. If we only use specific financial indicators or mathematical models for mechanical quantitative rating analysis, it will be biased. Only by combining qualitative analysis can the evaluation result be more scientific, comprehensive and accurate.
Generally speaking, the higher the credit rating of the assessed object, the better the numerical value of its quantitative statistics, but as far as a single enterprise is concerned, the level may not be fully explained by indicators alone.
Comprehensive analysis and individual analysis. Although credit evaluation is a comprehensive evaluation behavior, a single index is not enough to explain the credit status of the evaluation object, but this does not mean that a single evaluation is not important in credit evaluation, on the contrary, the correctness of each single evaluation is the basis of the final rating.
Comprehensive analysis is only based on the correct individual evaluation, weighing the weight, analyzing the trend, and making the final judgment through qualitative and quantitative analysis.
Extended data
The bank will comprehensively consider the borrower's monthly repayment amount and annual income daily account, and then evaluate your loan amount, requiring the borrower's monthly debt expenditure and income debt repayment ratio not to exceed 50%. However, if this ratio is at a critical point, it should be treated specifically and cannot be generalized.
Where loans, bill acceptance, letters of credit, guarantees, etc. are obtained. Whoever swindles the funds of a bank or other financial institution and causes heavy losses to the bank or other financial institution or has other serious circumstances shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined.
Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.