How much is the monthly salary suitable for buying a house, and how much is the monthly salary in Be

Generally, the monthly salary is more than twice the monthly payment.

Personal Housing Mortgage Loan Conditions:

1. Have a permanent urban residence or valid residence status;

2. Have a stable occupation and income, good credit, and have the ability to repay the principal and interest of the loan on time;

3. Have self-raised funds of more than 20% of the total price of the purchased housing, and guarantee to pay the down payment of the purchased housing;

4. Units or individuals with assets recognized by the bank as collateral or pledge, or units or individuals with sufficient solvency as guarantors to repay the principal and interest of the loan and bear joint and several liabilities;

5. Have a house purchase contract or agreement, and the purchased housing ** basically meets the appraisal value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.

The house price outside the 5th Ring Road in Beijing is about 40,000 yuan per square meter, and further out, the cheapest house may be 30,000 yuan, according to the house area of 80 square meters (such a small area is not easy to find), a set of cheapest Beijing house including procedures requires at least 2.6 million yuan.

With a 30% down payment, you need a down payment of about $800,000 and a loan of $1.8 million. If you can find a bank that has a loan for 30 years (Beijing should have it, and some have 20 years), if you use the equal principal and interest method, that is, the same amount of repayment every year, Damingji needs to repay the principal of about 60,000 yuan + interest of 50,000 yuan every year, about 110,000 yuan. Monthly repayment of 9,000 yuan to 10,000 yuan.

In this case, after you pay a down payment of 800,000 yuan, you will need to pay a mortgage of nearly 10,000 yuan per month. If you are single, your salary is at least 18,000 yuan, and you may get 14,000 yuan after tax deduction, but the housing provident fund can be made up to the mortgage every month (the provident fund is different from company to company, and the general deduction of 800 yuan is 1,600 yuan, and this part of the friend's money is used to pay the mortgage), so as to barely enough for you to live in Beijing.

The reason why banks have requirements for borrowers' monthly income is because monthly income is linked to the ability to repay, and banks need to ensure the smooth flow of loans**. From the current point of view, the rule of most banks is that the monthly payment of the old and new ones cannot exceed 50% of the monthly income of the family.

In other words, if the monthly income is too low, it will be difficult to get a loan. Therefore, before applying for a mortgage, you can calculate your income according to such regulations to see if it is suitable for a loan to buy a house.

In fact, if the borrower's monthly income is too low, it is indeed not suitable for a loan to buy a house, because after obtaining a mortgage, you will have to face the problem of repayment, if the income is too low, the repayment pressure will be greater, not to mention that this will have an impact on your own life, just say the consequences of the loan overdue, I believe it is enough for you to "languish" for a while.

Although you can take out a loan to buy a house on the premise of having a stable job and income, these factors such as area, area, location, and ** also have certain limitations on borrowing to buy a house.

1. To buy a house, you need to make a down payment, change the slag to the current real estate policy, the first house is lower and only need 3 percent, and before taking out a loan to buy a house, you must plan Liang Hunger and manage your finances according to your own income, and making up a down payment is the key.

2. The selection of the house is limited by income, according to their monthly income to choose the right house for themselves, under the premise of low income, do not put too high vision, buy the house first, and then consider changing the house when there are conditions.

3. The area of the house should not be too large, when choosing the house type, do not choose the house type too large, and choose the appropriate house area and house type according to your own conditions.

4. Second-hand housing can be considered, second-hand housing has become a very popular **, first of all, it will be much cheaper than a new house, and secondly, it is more labor-saving in decoration, so sometimes second-hand housing is more suitable for buyers than new houses.

Suppose you plan to save money in 5 years and buy a 120-square-meter house with 2 bedrooms, 2 living rooms and 2 bathrooms in Beijing, which is only for two people to live in for the first ten years of marriage to a family of three, let's calculate how much money do you have to earn every day to pay a down payment of 30 yuan in 5 years, and continue to pay a mortgage loan of 3,000 yuan per month for 20 years.

The house price is calculated according to 36,000 yuan per square meter, the house price of 120 square meters is 4.32 million, and the down payment of 30 is 1.3 million yuan, plus the lawyer's fees, insurance, loan handling fees and miscellaneous expenses such as maintenance and other miscellaneous expenses at the time of delivery are about 150,000 yuan, and the cash in your hand when buying a house cannot be less than 1.4 million.

5 years, calculated according to 220 working days a year (most units are now paid according to the work diary), a total of 1100 working days. 1.4 million divided by 1,100 working days, equals 1,272 yuan per day. In other words, in order to buy a house, you must save a net of 1,272 yuan per day for these 5 years.

The specific proportion of down payment for buying a house is mainly divided into two situations: (1) commercial loan. Generally, the first house is 3 into a down payment, the second house is 4-6 into a down payment, and the third house is not given a loan; (2) Provident Fund Loan.

Generally, the first set is 3 into the first set, the second set is 4 into the second set, and the third set is forbidden to lend. Regardless of the type of loan, the down payment ratio for the first home is the same across the country. However, the down payment ratio for a second home is different in different cities.

The down payment for the first house is 30%, and the loan is multiplied by the benchmark interest rate to make the monthly payment. No real estate: 1. Have a provident fund and can borrow more than 600,000 yuan, use pure provident fund, and the total price of the property does not exceed about 750,000 yuan.

A down payment of 20% is possible. 2. Commercial loan 3 percent. If you have less than 2 sets of properties in your name, the loan has been paid off, and the down payment for the first set is still 30%.

There is 1 set of outstanding down payment under the name.

Calculation of mortgage repayment ability coefficient:

For example, if the coefficient is yes, and the monthly income is 8,000 yuan, you can repay 3,200 yuan per month.

If the coefficient is yes, the monthly income is 8,000 yuan, and you can repay 4,000 yuan per month.

There is a certain relationship between an individual's loan repayment ability coefficient and an individual's monthly income, the nature of work, family property and credit information. The higher the personal income, the more stable the job, the more overall family wealth, and the better the credit situation. Then the coefficient of his ability to repay the loan will be greater.

Otherwise, it will be smaller.

There are certain differences in the home purchase policy of each city. First of all, you need to understand what the policies of your city are, so that you can know how much the down payment is for a house. Under normal circumstances, the down payment for the first house is about 3 percent, and the down payment for the second home is 3 to 7 percent.

620,000 words 20 years monthly repayment 3248 25 years 2943 500,000 2619 25 years 2374