Calculation formula of personal debt ratio: personal debt ratio = total personal liabilities/total personal assets 100%. Suppose the monthly mortgage repayment is 3,000 yuan, the monthly credit card bill 1400 yuan, and the monthly salary income is 8,000 yuan, and the corresponding personal debt ratio is p = (3,0001400)/8,000100% = 55%.

Corporate liabilities refer to the current obligations formed by past transactions or events of the enterprise, which are expected to lead to the outflow of economic benefits from the enterprise. Current obligations refer to the obligations that the enterprise has undertaken under the current conditions. Obligations arising from future transactions or events are not current obligations and should not be recognized as liabilities.

The liabilities of an enterprise can be divided into current liabilities and non-current liabilities according to its liquidity.

Current liabilities: refer to the debts repaid within a business cycle of one year or more, mainly including short-term loans, accounts payable and advance receipts, taxes payable, salaries payable to employees, etc.

Non-current liabilities refer to liabilities other than current liabilities, mainly including long-term loans, bonds payable and long-term payables.

How to borrow money when the debt is too high?

First: apply for bill installment.

If there is a large amount of credit card consumption one month before the loan, if it is not handled, this credit card consumption will be reflected in the bill and also in the credit report. In order to reduce the debt, you can apply for bill installment at this time, and allocate the bill amount of this period to the due amount. For example, the bill amount is 654.38+ million, divided into 24 installments, so the amount of each installment is only about 465.438+067, which is undoubtedly much lower than 654.38+ million. In this way, you can hide your real debt, and the more stages you have, the deeper you hide it.

Second: cancel the credit card that is not commonly used.

Friends who like playing cards must have a lot of credit cards in their hands. Although Cardo is not overwhelmed, these will be reflected in the credit report. The credit limit and repayment of each card will be displayed in detail.

For credit cards that are not frequently used, it is recommended to cancel them, provided that there is no record of arrears, overpayment or overdue in the card. Otherwise, it is best to handle it first, and then cancel the card.

Third: apply for a mortgage loan.

Generally speaking, as long as you can provide collateral and meet the corresponding loan conditions, it will generally be easier to pass the examination and approval.

Fourth: provide a guarantor

If you can't provide collateral, you can find "reliable" people to provide guarantees for yourself, such as friends of civil servants, relatives with higher incomes and so on. In this way, because of the guarantor, the mortgage risk of lending institutions can be reduced, and correspondingly, they will be more willing to lend to you.

How to calculate the credit liabilities of mortgage loans

Question 1: I checked 10 times, but all the debts have been paid off. Will it affect the mortgage? As long as there are bad records or too many inquiries, the mortgage may be affected. It is recommended to consult the target bank.

Question 2: Is the monthly payment of general credit loan a liability? Isn't the mortgage a debt?

Question 3: If the bank handles the mortgage, how to calculate the credit card debt? Have you ever been overdue?

Question 4: Does personal inquiry about credit information have an impact on mortgage? What information does the personal credit information report contain? 1, personal basic information

It contains personal identification information such as the name, age, gender, work unit and contact address of the recorded person.

2. Bank credit

This item will record every credit card and loan business in detail and show the debt history of the parties in detail. The bank will analyze the consumer preference and behavior of the loan applicant according to this item, and analyze the repayment ability from his repayment willingness. It should be noted that when banks approve mortgages, they will generally check the loan business within five years and the credit card business within two years, and the strict bank review cycle may be longer.

3. Non-bank credit

Mainly refers to the applicant's communication, water and electricity, gas, tax payment, law enforcement and other public information.

4. Objection record

If the parties have any objection to the content of the credit report, they can reflect it in this part by adding a statement, which is also reflected in the credit report.

5. Number of queries

This section is a summary of all inquiry records in the past 6 months.

What behaviors will affect credit reporting? 1, credit card or loans overdue record.

If the applicant's credit card and loan are overdue for three consecutive times or six times, the bank will refuse the loan. Even if the overdue amount is small and the number of times is small, it may increase the down payment ratio and loan interest rate and reduce the loan amount. Especially in the period of tightening credit policy, the bank's credit review of lenders has become more stringent. You should cultivate the habit of repaying in full and on time. shzyshange44

2. There are too many credit cards.

If the buyer has multiple credit cards, the bank will suspect that he has a card maintenance card. At the same time, multi-card means that the risk of excessive debt ratio increases. The debt ratio mentioned here refers to the ratio of total household liabilities to total assets.

The calculation formula is: debt ratio = total liabilities/total assets.

For example, if your monthly income is 5K, but your credit card and other loans add up to 3K, then your debt ratio is =3000/5000=60%. Generally, it is safe to control the debt ratio at around 50%, and the highest debt ratio is no more than 60%. Different banks have different regulations on debt ratio, and looser banks have room for lending if the debt ratio does not exceed 50%. The strict bank regulations that the debt ratio exceeds 30% are all manifestations of insufficient repayment ability, and the possibility of lending is almost zero. Therefore, according to the different regulations of banks, loans can be obtained as long as they are within the scope of their security responsibilities.

Buyers are advised to contact bank customer service to cancel unused credit cards and reduce the number of credit cards.

3. There are arrears and taxes in the public information.

In some cities, the arrears of public utilities are recorded in credit reports. If the applicant owes water, electricity, gas and mobile phone communication fees and is recorded in the credit report, the loan will be refused in serious cases, and the down payment ratio and loan interest rate will be increased in light cases, and the loan amount will be reduced.

4. Too many credit inquiries.

If the parties make more inquiries (more than 6 times) within half a year, and there is no record of loan lending or credit card issuance, the bank will think that their qualifications are poor, which will affect the mortgage issuance.

Question 5: The monthly mortgage payment is 2000, the repayment period is 2 years, the credit card limit is 30,000, and the credit loan is 4,500. Calculate the debt, as long as there is no overdue record: the impact of credit card non-repayment: your bad repayment record will be recorded in the personal credit information system, which will affect your handling of other businesses in the bank, such as loans; Default will always generate interest and late fees. If the bank thinks you are dishonest, it belongs to the credit card fraud.

Question 6: With a credit debt of 300,000 yuan, can I still get a mortgage loan? Liabilities and assets correspond. If your assets and income are relatively high, it is ok to add a loan, and there will be no problem in repayment ... so the focus is on the asset-liability ratio.

Question 7: Does the credit responsibility affect the loan amount of housing provident fund? The loan amount of housing provident fund should be determined according to four conditions: repayment ability, proportion of housing price, balance of housing provident fund account and maximum loan amount, among which the minimum value calculated by four conditions is the maximum loanable amount of the lender.

Provident fund loan amount and its calculation method;

[(the total monthly salary of the borrower and the monthly contribution of the housing provident fund of the borrower) × repayment ability coefficient-the total monthly repayment amount of the borrower's existing loan ]× loan term (month);

Use of spouse's quota: [(total monthly salary of husband and wife, monthly contribution of housing accumulation fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan period (month);

The repayment ability coefficient is 40%, and the total monthly salary = the monthly contribution of the provident fund ÷ (the ratio of unit contribution to individual contribution);

The calculation formula of the loan amount calculated according to the house price is: loan amount = house price × loan ratio.

Question 8: How do banks calculate the debt ratio? How does the loan bank look at your debt through your personal credit report? If the debt is too high, you can try some financial companies or some loan products (such as some car loans, many of which have no credit information).

Question 9: Will the bank loan be repaid after checking the credit liabilities? Conditions for loan processing:

1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

Mortgage income-debt ratio requirements

If the debt ratio is below 50%, you can borrow money to buy a house. Most banks require borrowers' personal debt ratio not to exceed 50%, and some banks have strict requirements on borrowers' debt ratio, requiring personal debt ratio not to exceed 30%. The debt ratio is calculated according to the lender's deposit and arrears, and the debt ratio = debt/assets × 100%.

For example, you have a debt of 500,000 yuan and total assets of 6,543.8+0,000 yuan, so your debt ratio is 50%. If your assets are only 800,000, then your debt ratio is 62.5%. If the debt ratio is too high, the bank will think you are a person with insufficient repayment ability.

The influence of high debt ratio

High debt ratio will affect the pass rate of loans, but it does not mean that there is no hope if the debt ratio is higher than 50%. When a bank buys a house with a loan, it mainly depends on whether the user has the repayment ability, and then estimates the debt ratio according to the user's debt and economic income level, and evaluates whether there is a big risk in the later repayment. The evaluation result will directly affect the final audit.

If the loan to buy a house has a high debt ratio, you can increase the down payment, or find * * * to bear it with the borrower, so that the loan amount is small and the bank's requirements for debt ratio will be lower. You can also reduce your own debts first, such as paying off, paying off your credit card and so on.

How to calculate the debt ratio after the interest of credit loan is 200 thousand

If the loan has interest first and then principal. Pay only interest every month. Go back to the original due date. Generally, some banks calculate their liabilities by monthly repayment. What about the equal principal and interest? For example, a loan of 300,000 yuan has been paid back to 65,438+10,000 yuan. Then the remaining 200 thousand is debt. If you have to calculate your debt before you borrow money.

How to calculate the asset-liability ratio when the company borrows 6 million yuan to buy a house?

The company borrows 6 million yuan to buy a house, and the asset-liability ratio algorithm is as follows:

Asset-liability ratio, also known as debt operating ratio, is used to measure the ability of enterprises to use the funds provided by creditors to conduct business activities and reflect the security of creditors' loans. Asset-liability ratio = total liabilities/total assets 100%. For example, the total liabilities are 6.5438+million, the total assets are 50 million, and the asset-liability ratio =1000/5000100% = 20%.

The asset-liability ratio reflects how much of the total assets are financed by borrowing, and can also measure the extent to which enterprises protect the interests of creditors in the liquidation process. If the asset-liability ratio reaches 65,438+000% or exceeds 65,438+000%, the company has no net assets or is insolvent.