From the bank's risk control point of view, generally speaking, the final monthly payment of bank loans can not exceed 50% of the monthly after-tax income. The monthly salary is 6,000, which is also a mortgage that cannot exceed 3,000 per month. Because you have to live, you will have other expenses, such as applying for a loan from the bank.
According to the commercial mortgage interest rate of 5.5%, the price of a house with 100 square meter is1000000. 30% down payment and 700,000 mortgage loan. If the principal and interest are equal for 30 years, it will cost about 3975 yuan per month. Obviously, this is higher than the expectation of bank risk control, and it is not easy to approve loans.
Extended data:
First, if it is a regular unit, then according to this salary level, there must be a provident fund of 1000 yuan/month. If you use provident fund loans, the interest rate will be much lower than that of banks. According to the interest rate of the provident fund loan of 3.25%, you can afford a loan of 700,000 yuan for the same 30-year loan, that is, you can buy a house of 100 square meter and repay about 3,046 yuan per month. Of course, some areas have restrictions on the upper limit of provident fund loans. Even if you have a lot of money in your provident fund account, you can only borrow so many kinds. The specific situation can be based on the local provident fund center.
Second, the size of the loan amount depends on the personal financial needs. Under this premise, I need to consider my economic repayment ability to avoid excessive repayment amount and pressure.
As for the loan term, generally speaking, the longer the loan term, the higher the interest rate and the greater the interest burden of the borrower. Generally, the car loan is 3-5 years, and the housing loan 10-30 years. The current short-term loan interest rate is divided into two grades: half a year and one year, and it is stipulated that the half-year grade interest rate shall be implemented within half a year of the loan term, and the one-year grade interest rate shall be implemented for more than half a year and less than one year. If the loan term of the fund demander is 8 months, although it is only 2 months beyond the half-year time point, according to the current loan interest-bearing regulations, only one-year loan interest rate can be implemented, which invisibly increases the interest burden of the borrower. Second, rational prepayment.
At the end of each year, many mortgage borrowers repay their loans in advance without better investment channels, ending their "house slave" career. In fact, this is not the best choice:
First, borrowers can simply invest and manage funds to offset loan interest expenses with investment income;
Second, if there is a demand for funds, you can make an emergency if you don't repay the loan in advance.
Today, with the increasing penetration of finance into people's lives, a good credit record will benefit people for life. At present, many banks have launched personal credit loans, relying only on credit without mortgage. This kind of timely and high-amount loan is very popular, but it requires high credit. Some banks will grant hundreds of thousands of credit lines to individual customers with good credit. When money is needed within this range, it can be handled with simple procedures. When personal economic difficulties occur, the borrower should take the initiative to negotiate with the bank and apply for extending the repayment period, that is, extending the repayment period or changing the repayment method.