If your monthly income is only 3,000 yuan, it is reasonable to say that your monthly loan repayment fund should not exceed 1500 yuan, so it depends on how long your loan term is. If you borrow for 30 years, it may be more than 200 thousand. If you borrow for 20 years, the loan amount may be less.
: 1. What is the maximum amount of housing loan?
The maximum loan amount depends on your personal basic situation. Housing loan is a form of support provided by banks and other financial institutions to buyers in any form, usually with the purchased house as material collateral. But in fact, the amount of housing commercial loans is generally closely related to the applicant's bank flow, income certificate, total housing price and other factors.
The formula for the bank to determine the loan amount according to the repayment ability is as follows: loanable amount = repayment ability after deducting living expenses and other expenses from family monthly income/monthly repayment amount per 10,000 yuan for the corresponding loan period. If the monthly income of the lender is 1, the monthly living expenses are 3,000 yuan, the loan lasts for 20 years, and the benchmark interest rate is 4.90%, then the monthly repayment amount of the loan 1 0,000 yuan is calculated as 53 yuan. Then the loanable amount = (10000-3000)/53.07 = 65430. However, this formula is for reference only, subject to the final amount approved by the bank. According to the current banking regulations, there is no limit on the maximum amount of a single bank loan, but banks need to calculate and determine the maximum loan amount according to the borrower's monthly repayment ability. The total loan amount should not exceed 70% of the total house price, and banks in non-restricted cities do not require it to exceed 80%.
2. Mortgage calculation formula
When buying a house with an equal principal and interest loan, the monthly repayment amount shall be: [loan principal × monthly interest rate ×( 1 interest rate) repayment months ]≤[( 1 interest rate) repayment months]; When buying a house with an average capital loan, the monthly repayment amount is: monthly repayment amount = monthly principal and monthly principal and interest. The calculation principle is: the bank first collects the interest on the remaining principal, and then collects the principal from the lender's monthly contribution; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.
The amount/down payment ratio of China Merchants Bank's housing loans (including first-hand buildings and second-hand buildings) is as follows:
The minimum down payment ratio of the first suite is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property; (cities that do not implement "purchase restriction" will be adjusted to not less than 25%)
The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation!
How much can I borrow for a credit loan with a monthly repayment record of 1700?
It depends on your actual credit status and available collateral. Generally speaking, the monthly repayment record is above 1.700 yuan, and the maximum loan amount can reach about 300,000 yuan, but if you have good collateral, the loan amount may be higher.
Bank personal credit loan line
Bank of China provides "personal consumption loans". Personal consumption loans without collateral should be calculated from the following two dimensions, and the amount should be determined by taking the lower one:
1, income level or assets;
2. Customer wealth level;
Personal mortgage consumer loans should be calculated from the following two dimensions, whichever is lower, and the amount shall not exceed 6,543,800,000 yuan:
1, income level;
2. Mortgage rate;
Single use amount: the single use amount of personal consumption loan shall not exceed 80% of the required funds in the proof materials of consumption use.
Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
What is the credit ratio of personal loans?
Most banks generally have a maximum credit of 200,000 ~ 300,000 for personal credit loans, and a few banks have a maximum credit of 500,000 ~ 654.38+00,000 for personal credit loan products.
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The common method for banks to determine the credit line of personal credit loans is the line formula method, which is calculated by formula. At present, one of the most common credit calculation formulas in the market is:
New loan credit = monthly income credit coefficient-old credit. (New credit shall not exceed the maximum credit line stipulated by the bank)
It can be seen from the formula that the applicant's monthly income, credit coefficient, old credit and loan ceiling will all affect the loan credit limit. The following small series ALIEN will give you a detailed introduction to these aspects:
1. Applicant's monthly income: Undoubtedly, the loan credit is related to the applicant's income. After all, bank loans depend on the solvency of the applicant. The stronger the solvency, the smaller the risk of bad debts. In credit loans, banks can not only determine the borrower's monthly income through salary income, but also through many other access schemes. Common items that can identify income are: annual income, monthly salary, monthly tax payment, monthly contribution of provident fund, monthly payment base of social security, monthly mortgage payment, monthly insurance amount of life insurance policy, and real estate value. Different income items can be calculated by a certain formula.
2. Credit coefficient: Credit coefficient is a credit adjustment coefficient set according to business conditions, which is enlarged or reduced on a certain basis for different customer groups. Common credit coefficients are mainly related to customer credit rating, risk rating, income stability, assets, industry nature, project type and family situation.
3. Old credit line: The old credit line refers to the current liabilities of the borrower, usually mainly deducting the existing credit loan line and the used credit card debt line.
4. Credit limit: According to the specific business conditions and bank regulations, there will be a maximum limit for personal credit loans of banks, which cannot be exceeded. Secondly, according to different customer groups, banks will also set ceilings.
This concludes the introduction of credit loan calculation and credit loan quota calculation. I wonder if you found the information you need from it?