z***s
发帖数: 636 | |
r******d
发帖数: 1879 | 2 DTI ( Debt-to-income ratio) must be less than 45%. Debts will include all
your dets ( credit loan, car loans, PTIT, credit mininum payment, HOA...etc)
. Income will be your income before tax.
【在 z***s 的大作中提到】
: 即超过多少，银行基本就不批了。谢谢
|
p***e
发帖数: 1257 | 3 同意楼上的。我很不喜欢是年收入多少倍这种说法。光有没有车贷款这项，就会让可贷
款总额增加不少。
另外，那个是不是笔误？应该是piti |
d*********8
发帖数: 638 | 4 wow, are you sure? this sounds pretty low.
etc)
【在 r******d 的大作中提到】
: DTI ( Debt-to-income ratio) must be less than 45%. Debts will include all
: your dets ( credit loan, car loans, PTIT, credit mininum payment, HOA...etc)
: . Income will be your income before tax.
|
r******d
发帖数: 1879 | 5 Good catch :) Yes, it is PITI.
【在 p***e 的大作中提到】
: 同意楼上的。我很不喜欢是年收入多少倍这种说法。光有没有车贷款这项，就会让可贷
: 款总额增加不少。
: 另外，那个是不是笔误？应该是piti
|
r******d
发帖数: 1879 | 6 Yes, lender use this rule to qualify the loan. Some lenders even allow DTI
to 50%, but rate will be worse.
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
|
D*****I
发帖数: 8268 | 7 ? 45% 还low?
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
|
D*****I
发帖数: 8268 | 8 对，车贷款很伤，哈哈
【在 p***e 的大作中提到】
: 同意楼上的。我很不喜欢是年收入多少倍这种说法。光有没有车贷款这项，就会让可贷
: 款总额增加不少。
: 另外，那个是不是笔误？应该是piti
|
g*q
发帖数: 26623 | 9 45%已经是极限了,一般lender也就给40%.
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
|
r***u
发帖数: 38 | 10 银行还是根据debt\income的比例。部分银行可以做到50%.
如果income比较低的，可以考虑3-7年的浮动利息。
有的银行比较送，可以把奖金算进去。
我们一般运用计算软件可以算出比较精确的贷款额。
如果您可以email我一些精确的数字
即超过多少，银行基本就不批了。谢谢
【在 z***s 的大作中提到】
: 即超过多少，银行基本就不批了。谢谢
|
|
|
d*********8
发帖数: 638 | 11 i don't quite understand this, but does "debt" include "mortgage"? |
p***e
发帖数: 1257 | 12 不一定，确实有program到50%的
【在 g*q 的大作中提到】
: 45%已经是极限了,一般lender也就给40%.
|
r******d
发帖数: 1879 | 13 Yes, it will include your mortgage.
【在 d*********8 的大作中提到】
: i don't quite understand this, but does "debt" include "mortgage"?
|
p***e
发帖数: 1257 | 14 包括的，就是你即将付的房子贷款
【在 d*********8 的大作中提到】
: i don't quite understand this, but does "debt" include "mortgage"?
|
d*********8
发帖数: 638 | 15 really? if a person makes less than 100K a year, she can only take out a
loan of less than 50k to buy a house?
【在 p***e 的大作中提到】
: 包括的，就是你即将付的房子贷款
|
r******d
发帖数: 1879 | 16 it will depend on your loan amount. For jumbo, usually the DTI is 40% or
less. But conforming will be 45% to 50% depend on lenders.
【在 g*q 的大作中提到】
: 45%已经是极限了,一般lender也就给40%.
|
p********r
发帖数: 1980 | 17 这版上都什么标准。 前两天有人税后六千的贷四十万（月供两千都不到一点），都有
人说撑。DTI可是跟税前收入比，这还不撑？
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
|
p***e
发帖数: 1257 | 18 不是这样算的。是按照每个月的debt to income来算的，就是你每个月的房贷，车贷，
信用卡min和income before tax的比率
【在 d*********8 的大作中提到】
: really? if a person makes less than 100K a year, she can only take out a
: loan of less than 50k to buy a house?
|
d*********8
发帖数: 638 | 19 i see. this makes more sense
【在 p***e 的大作中提到】
: 不是这样算的。是按照每个月的debt to income来算的，就是你每个月的房贷，车贷，
: 信用卡min和income before tax的比率
|
p********r
发帖数: 1980 | 20 She can only have a mortgage payment of 50K per year. In 30 years, your
total payment is $1.5M. At today's interest rate, that means you can buy
property almost worth $1M assuming there is no other debt (although there
certainly is because of property tax, etc).
Even assume 30K per year, that almost means that you can buy property with $
550K loan with $100K salary.
【在 d*********8 的大作中提到】
: really? if a person makes less than 100K a year, she can only take out a
: loan of less than 50k to buy a house?
|
|
|
p***e
发帖数: 1257 | 21 还是要把tax,insurance,hoa, car loan, and credit card min算进去，你会很惊讶地
发现，可以得到的贷款上限很不一样。
$
【在 p********r 的大作中提到】
: She can only have a mortgage payment of 50K per year. In 30 years, your
: total payment is $1.5M. At today's interest rate, that means you can buy
: property almost worth $1M assuming there is no other debt (although there
: certainly is because of property tax, etc).
: Even assume 30K per year, that almost means that you can buy property with $
: 550K loan with $100K salary.
|
d*********8
发帖数: 638 | 22 thanks!
$
【在 p********r 的大作中提到】
: She can only have a mortgage payment of 50K per year. In 30 years, your
: total payment is $1.5M. At today's interest rate, that means you can buy
: property almost worth $1M assuming there is no other debt (although there
: certainly is because of property tax, etc).
: Even assume 30K per year, that almost means that you can buy property with $
: 550K loan with $100K salary.
|
b*d
发帖数: 9308 | 23 可以贷到50% DTI,但是要求有12个月的PITI作为reserve。
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
|
o*********l
发帖数: 1807 | 24 I was able to take out 8 times of my income, it really depends on how much
downpayment you put down. No other debts. |
s*******l
发帖数: 3691 | 25 信用卡月月账单500，minimum pay 15，那贷款时银行算15还是算500?
奖金加班费算收入么? 还是只算基本薪水？ |
V********1
发帖数: 177 | 26 算15
debt就是你每个月不吃不喝都必须付的钱。
★ 发自iPhone App: ChineseWeb 7.3
【在 s*******l 的大作中提到】
: 信用卡月月账单500，minimum pay 15，那贷款时银行算15还是算500?
: 奖金加班费算收入么? 还是只算基本薪水？
|
