With a monthly salary of 5,000, do I have to pay personal income tax if I have a house and car loan?

I'm sorry, but the current personal income tax is still levied at 5,000 yuan, although you have a mortgage and car loan, but the tax still has to be paid.

Depending on the amount of the mortgage application, the bank will consider whether it has the ability to repay.

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.

Information required for mortgage application:

1.ID card and household registration book of both husband and wife, and temporary residence permit and household registration book are required for foreigners.

2.Marriage certificate, divorce certificate or court judgment, 2 copies of single certificate.

3.Proof of income (in the form specified by the bank).

4.A copy of the copy of the business license of the unit (with the official seal).

5.Credit certificates: including academic certificates, other real estate, bank statements, large certificates of deposit, etc.

6.If the borrower is an enterprise legal person, it must also provide the business license, tax registration certificate, organization certificate, articles of association and financial statements that have passed the annual inspection.

Thank you for your question, focus on sharing various workplace experiences with you, daily updates, kneel down to ask for your attention and likes, let's talk about my opinion.

A month's salary is 15,000 after tax, the mortgage is 2,300, and there is no car loan, can you live? Brother, you are a little joking, I think, first of all, your salary is 15,000, after deducting the mortgage, the disposable income is 12,700, you have a car, the cost of maintaining a car is about 3,000 a month (more common), there are 9,700, 9,700 a month, even if it is a family of three, not a single person, there must be no problem in survival, and you can also talk about a little quality of life, so there is nothing that you can't live, you think a little too much. Let's share my views:

1.Your salary.

First of all, your current salary is 15,000, and the pre-tax level is about 18,000 and 20,000, even if it is placed in the old first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen, it can be regarded as a slightly higher level (there is still a distance from high salary), which is very good;

And if it is placed in a small city, it is even more of a high salary level, which first needs to be affirmed, especially great, if you can't survive at this level, you are equivalent to a slap in the face to many people.

2.Your mortgage.

Let's put it at the level, only 2300 a month (the mortgage is 12000 per month, which is very enviable), which is a very enviable level no matter where it is placed, and the mortgage accounts for about 15% of the salary, which is the health state that people have been pursuing.

In addition, hello have a car without a loan, your current level, I dare not say that the dragon among people, but it is already very, very good, than many first-tier cities what monthly income of 30,000 or 40,000, monthly payment of 10,000 or 20,000 people is much stronger, so there is nothing that can't survive.