1, considering the bank.
According to the regulations, banks should control the ratio of monthly housing expenditure to income of borrowers' housing loans below 50% (including 50%), and the ratio of monthly debt expenditure to income below 55% (including 55%). Generally speaking, in order to ensure their own risks, banks will limit the maximum loan amount according to the borrower's income, requiring the borrower's monthly mortgage repayment not to exceed 50% of his monthly income. This 50% is the highest warning line for borrowers.
2. From the point of view of the lender.
From the lender's point of view, of course, the less loans, the less pressure on monthly payments. Some people think that the average mortgage can't exceed 30% of their family income and expenditure, which means that before buying a house with a loan, the lender must consider the future repayment ability.
If the buyer has a stable job, is single or married but has no children, then the monthly payment can account for a relatively high proportion of the family's monthly income, reaching 40%-45%. Because the borrower's funds are relatively free at this time, there is no pressure in life. Therefore, buyers who buy a house at this time can consider setting a higher monthly payment.
If the buyer is married with children or over 35 years old, the monthly payment shall not exceed 30% of the family income under the condition of stable work. Buyers of this age need to ensure the daily family expenses and children's academic expenses, so the proportion of monthly payment to family monthly income should be appropriately reduced.
3. Judge your repayment ability objectively.
If the monthly payment accounts for a large part of your monthly income, it will affect your quality of life. Imagine that if the monthly repayment amount of various loans exceeds 1/3 of the monthly income, the repayment person will be under great pressure and even unable to pay for the education of normal families and children, thus affecting the quality of life.
Therefore, borrowers should have a detailed understanding of their own income and should not blindly overestimate their personal financial situation. Don't think too much about future income, and try to control the budget within your acceptable range. Don't end up insolvent.
4. consider the down payment.
Personal or family's current assets are more than the down payment 10% before considering the loan. If the down payment needs 600,000 yuan, then you should make sure that you have at least 650,000 yuan to choose the loan, because you have to pay all kinds of taxes and certificates.
One more thing, the total loan amount must be less than 100 times of the monthly income, in order to secure the loan. If you borrow 6,543,800 yuan from the bank, it is safe only if your monthly salary is higher than 6,543,800 yuan, because this is the highest warning line. If not, your monthly payment pressure will be very great.
I believe that after reading this article, everyone has a clear understanding of the ratio of monthly housing supply to income. In this case, it is necessary to analyze the specific problems according to your own situation to determine the proportion of your monthly payment to your income, so that you can buy a house you are satisfied with with with a loan without affecting your quality of life.
(The above answers were published on 20 18-08-29. Please refer to the actual situation for the current purchase policy. )
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