Q***N
发帖数: 2972 | 1 当你选择好房地产的代理人后,第一件事不是立刻看房,而是办理房屋贷款的预申(Pre-
Qualification Loan).如果你是第一次买房, Pre-Qualification Loan能帮助你大致估
算你的贷款能力,从而确定的买房的价格范围.其次当你递交买房合约 ( Offer )时已经
有了Pre-Qualification Loan, 卖方也比较容易接受你的出价(Offer).原因很简单,很
多合同被取消的原因 (房子从Pending的状态转化成 Back to Market)是因为买主贷款
失败,不得不退出合同.退出合同一般对卖家很不利,一方面增加了房子上市的时间(买家
会疑问为什么房子在市场这么久,会不会有问题?),另一方面买方也疑问为什么前一位买
家要退出合同,是不是房子有问题?等等.而且Pre-Qualification Loan一般在你的开户
银行是免费的.
大多数银行都遵从同样的原则来计算你的轻松还贷能力 ("affordable" home
price).债务/收入比要小于36%. 保守的每月房贷/收入比是28%,激进的每月房贷/收入
比是36%.因为没有考虑退休或孩子上大学费用等其他的存款需要,这个估算并不准确.下
面的连接都可以帮助你计算你的还贷能力.
http://realestate.yahoo.com/calculators/afford.html
http://cgi.money.cnn.com/tools/houseafford/houseafford.html
| B*M
发帖数: 1340 | 2 36%税前，还是税后啊？
【在 Q***N 的大作中提到】
: 当你选择好房地产的代理人后,第一件事不是立刻看房,而是办理房屋贷款的预申(Pre-
: Qualification Loan).如果你是第一次买房, Pre-Qualification Loan能帮助你大致估
: 算你的贷款能力,从而确定的买房的价格范围.其次当你递交买房合约 ( Offer )时已经
: 有了Pre-Qualification Loan, 卖方也比较容易接受你的出价(Offer).原因很简单,很
: 多合同被取消的原因 (房子从Pending的状态转化成 Back to Market)是因为买主贷款
: 失败,不得不退出合同.退出合同一般对卖家很不利,一方面增加了房子上市的时间(买家
: 会疑问为什么房子在市场这么久,会不会有问题?),另一方面买方也疑问为什么前一位买
: 家要退出合同,是不是房子有问题?等等.而且Pre-Qualification Loan一般在你的开户
: 银行是免费的.
: 大多数银行都遵从同样的原则来计算你的轻松还贷能力 ("affordable" home
| S***E
发帖数: 1977 | 3 这个计算里有两个不熟悉
一个是monthly child support，是说上day care的钱么？
还有一个是monthly credit card payment，是说每月买grocery花的钱么？ | Q***N
发帖数: 2972 | 4 "Here's the super-quick rule of thumb: Most people can afford a home that
costs up to three times their annual household income. If you have little
to no debt and can put 20% down you can probably buy a house worth close to
four times your annual income.
Example: If you and your spouse together make $60,000 a year (which was the
median household income for first-time homebuyers in 2009), you can probably
buy a $180,000 home if you have moderate debt (debt payments of <12% of
your income), and a $240,000 home if you have little or no debt and can make
a 20% down payment."
I think:
income is gross income = before tax.
debt payments = student loan, car loan etc
The best way is " go to your bank", and it is free. | k******o
发帖数: 3328 | 5 DTI (Debt to Income) ratio could be as high as 50% if you have one year PITI
(Principle, Interest, Property Tax, Insurance) reserve for all of the
lender I am dealing with, assuming 20% down payment and decent FICO score.
to
the
probably
make
【在 Q***N 的大作中提到】
: "Here's the super-quick rule of thumb: Most people can afford a home that
: costs up to three times their annual household income. If you have little
: to no debt and can put 20% down you can probably buy a house worth close to
: four times your annual income.
: Example: If you and your spouse together make $60,000 a year (which was the
: median household income for first-time homebuyers in 2009), you can probably
: buy a $180,000 home if you have moderate debt (debt payments of <12% of
: your income), and a $240,000 home if you have little or no debt and can make
: a 20% down payment."
: I think:
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