Case 1:
Xiao Li graduated more than two years ago and plans to borrow money to buy a house. His monthly salary is about 10000. He will buy a house with 10000. If the down payment is 20%, the loan interest rate is 4.9%, the loan period is 30 years, and the monthly payment is about 4,000 yuan. Considering that he is still single and his career is on the rise, if the monthly mortgage repayment accounts for about half of his salary, the burden will be smaller for him. With the promotion and salary increase in the future, the impact of monthly mortgage payment on his life will gradually decrease.
Case 2:
Xiao Liu and his wife have been married for three years and have been renting a house. After the baby was born, the two considered buying a house. The same is 1 ten thousand yuan to buy a house, with a down payment of 20% and an interest rate of 4.9%. The loan term is 30 years and the monthly payment is 4,000 yuan. The monthly income of husband and wife adds up to about 1 10,000, and the monthly payment accounts for about half of the income. Considering the pressure of raising children, they want to pay more down payment and reduce the monthly payment to about 3000 yuan, which is probably the case.
Rong 360(fangdai 123) analysis: the above two types of people represent two different buyers. In the case of 1, Xiao Li is a young man with a rising career, and controlling the mortgage at about 50% of his monthly income will not affect his life at all. In the second case, Xiao Liu needs to consider family expenses and other issues. Monthly payment accounts for 30% of income, which is a relatively comfortable line. The needs of the two types of people are different, so they made their own adjustments on the basis of the warning line (50%) of the ratio of monthly payment to income stipulated by the bank, and chose the loan amount that suits them.
What I want to tell you here is that for singles, the family pressure is small, and there is a lot of room for appreciation at a young age, so the monthly payment ratio can be controlled higher; For married families with children, we should consider the living expenses such as education expenditure, appropriately reduce the monthly payment ratio and ensure the quality of life.
Generally speaking, the following issues need to be considered when buying a house with a loan:
1. Understand the housing credit policy of this city.
This year's housing credit policy is in a state of differentiation. Hot cities restrict purchases and loans, and third-and fourth-tier cities and some second-tier cities still maintain destocking policies. Therefore, before buying a house, you need to know the credit policy of the city where the loan is used, such as the qualification of buying a house and the down payment ratio.
2. Make financial planning before buying a house.
After understanding the policies and housing prices, we should make financial planning according to our own economic situation. For example, the proportion of monthly mortgage income is acceptable. If the house needs to be renovated, the renovation fee should be reserved.
3. Choose the repayment method that suits you.
After determining the loan, you should choose the repayment method that suits you. Common repayment methods include equal principal and interest and average capital. The monthly repayment amount of equal principal and interest is the same, so it is more suitable for families with normal consumption plans, especially young people. Economic conditions do not allow excessive investment in the early stage. You can choose this way, such as civil servants, teachers and other groups with relatively stable income and job opportunities. 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. Buyers should choose according to their own needs.
As for the ratio of monthly payment to income, it cannot be said that it is good to borrow more, and it is not good to borrow less. Instead, it is necessary to let buyers reach the "best state" and reduce the cost of buying a house. On the one hand, we should also consider what kind of life we want to live after buying a house within our debt capacity. After all, everyone's family situation and economic situation are different, and what suits them is the best.
(The above answers were published on 20 17-02-08. Please refer to the actual situation for the current purchase policy. )
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