What is the ratio of loans to household income?

Do you know how much the monthly payment for buying a house accounts for?

When many friends apply for loans to buy a house, they just calculate how much down payment they have prepared and how much money they need to borrow from the bank. They just want to buy a house with enough loans. As we all know, buying a house by loan also involves a key question: what is the ratio of monthly mortgage payment to income? In other words, it is more appropriate for monthly supply to account for monthly income. Come and have a look with me!

First, what factors should I pay 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 right 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.

Second, what is the ratio of mortgage to 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.

In short, the loan to buy a house requires everyone to consider the amount of down payment, the amount of bank loans, and the ratio of monthly supply to income. I believe that through my introduction, everyone should have their own views on the issue of buying a house and earning a monthly income. Finally, I wish everyone can buy a satisfactory house.

Jeff Shang Yue Building, Central China City

New features:

Parents may not know that their children wasted an average of 365,438+068 hours in primary and secondary schools. !

Highlights of the project:

1. The downtown area of Jeff is composed of Park Building, Hilton Garden Restaurant and Style Commercial Street. Jeff Shang Yue Building belongs to the fifth phase of Jeff Central China City, and it is the current residential product of Jeff Central China City. It inherits the basics of the first and second phases, and re-examines the relationship between people, architecture and nature with the attitude of 365,438 438+ 10/00000 square meters on the map of Changde First Ring Road. By grafting the lifestyle of parks and great lakes, buildings will grow naturally, and daily life will be naturally intimate with mountains and rivers, thus building a happy living place!

2. Changde Jeff Shang Yue Building is a high-end product of the fifth phase of Huazhong City. The project is located at the intersection of Yangshan Avenue and Jinxia Road in Jiangnan, Dingcheng District, Changde. The project covers an area of 97,207 _, with a building area of 3 120 18 _, a greening rate of 35%, a plot ratio of 2.5, and planned households 1960.

3. Jeff Central City was jointly developed by An Teng Group and Jinxing International Investment Co., Ltd. Its representative projects, such as Henan Manhattan Plaza, Zhengzhou Phoenix Hua Ting, Fuzhou Hualong International Trade City, Quanzhou Bai Jie Central Park, Quanzhou Huiying Jiangshan, Jinjiang Hong Jie Feast, Quanzhou Jiangnan Yayuan and Quanzhou Mocha Town, have become architectural symbols in the industry.

Jeff Huazhong City 5 Shang Qi Yuefu

on sale

Reference price: the reference average price is 5280 yuan/_

Property Address: Intersection of Yangshan Avenue and Jinxia Road in Jiangnan, Dingcheng District, Changde City

Property Tel: 400-8 19-6590 to 0678.

Pay 20 thousand to 30 thousand

What is the most cost-effective ratio of monthly payment to income?

Reasonable monthly supply ratio:

1, considering the bank.

Generally speaking, for banks, in order to ensure their own risks, banks will limit the maximum loan amount according to the income of borrowers, and require borrowers to pay no more than 50% of their monthly income in mortgage repayment. This 50% is the highest warning line for borrowers.

2. From the point of view of the lender.

Many people will want to tamper with the income certificate to increase their loan amount and monthly payment, but your actual income will not change. The consequence of this is to bring great pressure to your life, reduce your quality of life, and even risk default.

Therefore, in order to ensure the borrower's comfort, of course, the lower the ratio of monthly payment to income, the better.

It should be noted that the monthly payment, which accounts for 50% of income, is not suitable for everyone, and everyone should judge according to their actual ability to pay.

3.30% is the comfort line of monthly mortgage payment.

If you are a 25-30-year-old property buyer, the monthly payment can account for 40%-45% of the family income under the condition of stable work.

Young people of this age are thriving in their careers. Generally, they are unmarried or married without children, and the family burden is relatively small. Moreover, with the development of the career, the personal potential is relatively large, and the proportion of monthly contributions to income can be appropriately increased.

I hope I can help you.

What is the appropriate ratio of mortgage to salary?

The ratio of mortgage to salary can be considered from two aspects:

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. Therefore, when buying a house, you usually need to show the bank running water and salary certificate, and this 50% is the highest warning line for borrowers. Therefore, from the bank's point of view, it is most appropriate that the monthly payment accounts for less than 50% of the 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 you have a stable job, your monthly payment can account for 40-45% of your family income. If you are over 35 years old, the monthly payment should generally not exceed 30% of the family income under the condition of stable work.

What is the ratio of monthly payment to income? 30%!

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.