Generally speaking, lending institutions will consider the debt-to-income ratio (DTI) of borrowers to evaluate their repayment ability. DTI refers to the ratio of the borrower's total monthly debt payment divided by disposable income. Usually, the lender expects the DTI of the borrower to be below 30%, which means that the borrower's debt payment does not exceed 30% of his income. However, different lending institutions and specific loan products may have different requirements.
Therefore, specific to the couple's income is several times the monthly loan, we need to consider the following factors:
1. The income level and stability of both husband and wife.
2. Other debts and expenses of both husband and wife.
3. The credit status and debts of both husband and wife.
If the total income of husband and wife far exceeds the monthly loan amount and the debt repayment ratio is appropriate, the lending institution may be willing to provide a higher loan amount. However, if the repayment ability of both husband and wife is insufficient or the debt burden is too heavy, the lending institution may limit the loan amount or refuse the loan.
Most importantly, when considering housing loans, husband and wife should comprehensively evaluate their financial situation, communicate with lending institutions, and determine the most appropriate loan amount and repayment ability. Therefore, we can't give a specific answer to the question that "the income of both husband and wife is several times the monthly repayment amount", which needs to be decided according to the specific situation of both husband and wife and the requirements of lending institutions.