In the process of buying a house, 80% buyers will choose to buy a house with a loan. Once you choose a loan to buy a house, you must face the problems of down payment ratio, loan period and monthly payment. Therefore, for Xiaobai, who bought a house for the first time, how to choose the repayment period that suits him according to his own economic situation?

In the process of buying a house, 80% buyers will choose to buy a house with a loan. Once you choose a loan to buy a house, you must face the problems of down payment ratio, loan period and monthly payment. Therefore, for Xiaobai, who buys a house for the second time, how to choose the repayment period that suits him according to his own economic situation?

I. It is suggested that the loan term is 30 years.

In fact, monthly payment is usually related to down payment and loan life, because the more down payment, the longer the loan life, so the less monthly payment, the less pressure. However, it does not mean that the more down payment, the better. Especially in big cities, 30% down payment has reached hundreds of thousands, and these hundreds of thousands are almost patchwork.

So my suggestion is: you can choose the longest loan term, that is, the loan term of 30 years, which can make the monthly pressure less.

Second, what is the ratio of monthly payment to income?

1, considering the bank.

Generally speaking, in order to guard against risks, banks will require borrowers to mortgage no more than 50% of their income every month. So when you buy a house, you usually have to show the bank running water and salary certificate, and this 50% is the warning line of the borrower.

Then, the answer to the question is obvious: if you consider from the bank, it is most appropriate that the monthly payment accounts for less than 50% of your income.

2. From the point of view of the lender.

For property buyers, the monthly payment is of course as little as possible, and only in this way will it not affect the quality of life. Therefore, for buyers of different ages, the monthly supply ratio will be different.

If you are between the ages of 25 and 30, your career is on the rise and your job is stable, your monthly payment can account for 40-45% of your family income. Because this stage is generally unmarried or married and childless, the family pressure is small, and the career in the later period is on the rise. At this time, it is reliable that the monthly payment ratio accounts for 40-45% at this stage.

If the buyer is over 35 years old, the monthly payment will not exceed 30% of the family income under the condition of stable work. Because you are married and have children at this age, your family living expenses are relatively large, and your career is relatively stagnant. In order to reduce the risk, the monthly payment ratio should not be too high.

To sum up, it can be concluded that if you want to borrow money to buy a house, but don't want to affect the quality of life, then 30% of your monthly income is actually a more comfortable proportion. Because the follow-up may face factors such as rising interest rates and decreasing income. In addition, it is recommended to reserve a mortgage for one year. In case of uncontrollable factors, the monthly payment is not late.

Third, don't forget to calculate the ability to support a house.

Besides, you should also calculate the cost of your house. In addition to the monthly payment, there are also property fees, heating fees, 24-hour hot water fees, parking fees, transportation fees and so on. All these should be taken into account in order to evaluate your monthly payment ratio well. If these expenses are included, it is best to control the monthly payment ratio at 30-35%.

To sum up, it is the content of the full text. In short, everyone must make a good capital plan before buying a house with a loan. In addition to the down payment and monthly payment, there are also house decoration funds and decoration expenses. Therefore, when buying a house, don't use all your savings to pay the down payment, but leave yourself some breathing space.

How much is the monthly loan for house purchase better than the income?

1. What is the appropriate ratio of mortgage to income?

1, 30% is the comfort line.

If the buyers have a stable income and are married and have children, it is most appropriate to set the monthly payment at about 30% of the family's monthly income. Because the proportion of monthly payment to family income is appropriately reduced, the daily expenses of the family and the education expenses of children can be well guaranteed.

If the monthly repayment amount of various loans of house buyers exceeds 1/3 of the monthly income, the repayment person will be under great pressure and even unable to pay the normal family expenses and children's education expenses, thus affecting the quality of life.

2,50% is the warning line.

Under normal circumstances, in order to ensure their own risks, the lending bank will limit the loan amount according to the borrower's income, requiring the borrower's monthly payment not to exceed 50% of the monthly income. This 50% is a high warning line for borrowers.

If the buyer has a stable job and is unmarried or married but has not given birth, then the monthly mortgage repayment can account for a relatively high proportion of family income, reaching 40%-45%. Because at this time, in fact, the repayment person needs less capital expenditure, the family burden is also small, the expenditure in other aspects of life is also relatively small, and the individual is young.

Second, what factors should be paid 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 better 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.

3. What are the hazards of mortgage default?

1, credit impact

The so-called breach of contract refers to the borrower's failure to repay within the prescribed time limit, that is, overdue repayment. The same is true of loans. Once the lender fails to repay the loan in time, it is overdue. If you don't repay for many months, it will affect your credit history, and it will be difficult to apply for a credit card or loan in the future.

2. Penalty interest

If the borrower fails to repay the loan on time, he will face penalty interest in addition to making up the money. If the borrower signs a loan contract when handling the loan, if the property owner fails to repay the monthly loan on time, according to the provisions in the loan contract, penalty interest will be incurred.

Step 3 affect reputation

If the property buyers still fail to repay their debts for many times in a row, the bank staff may come to their homes or go directly to their units to make dunning, so as to let neighbors and colleagues know that you fail to repay your debts, which will indirectly affect your personal reputation.

4. Real estate auction

In case of default, the general bank will give the property owner a grace period of six months, but if the mortgage is not repaid for more than six months in a row, the bank will apply for auction of the house, and the proceeds from the auction will be used to repay the bank's loan and the penalty interest.

Buying a house by group purchase is more favorable.

on sale

Reference price: the price is to be determined.

Property address: 1. Shuttle to 1 free.

Property Tel: 400-8 19-6590 to 0627.

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 is the monthly payment for buying a house suitable for income?

In the case of stable work, if you are a buyer aged 25-30, 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 the age of 35, 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.

In fact, an individual's ability to repay the loan has a certain relationship with his monthly income, nature of work, family situation and credit information. Generally speaking, the higher the borrower's income, the more stable the job, the better the credit information, and the greater the repayment ability coefficient, and vice versa.