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: For example, if the coefficient is 0.4, the monthly income is 8,000 yuan, and the monthly repayment can be 3,200 yuan. If the coefficient is 0.5, the monthly income is 8,000 yuan, and the monthly repayment can be 4,000 yuan. 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.