[閒聊] 每月還款佔薪資的比例
這篇只討論個人的信用問題
今天與房仲聊貸款問題
他說銀行通常會評估,給於月薪的60%為還款能力
如果薪水一個月5W,沒有其他貸款,只有房貸
等於銀行認證你可以每個月還3W的房貸?
相對你就可以找1200萬左右的物件?(貸30年,自備2成)
這怎麼跟我聽到的佔每月薪資1/3有落差?
房版的大家貸款也是每月薪資的5~6成這樣還嗎?
還是大家的每月還款佔每月薪資的幾成?
討論一下吧?
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