你能支付更高的利率嗎?
當(dāng)你試圖衡量自己的借款能力時(shí)，忘記基于當(dāng)前利率進(jìn)行計(jì)算。
當(dāng)銀行和貸方處理這些數(shù)字時(shí)，他們會(huì)大幅提高利率，以確保你在利率上升時(shí)仍能支付得起還款。
利率前景如何?
uno房屋貸款公司的創(chuàng)始人兼首席執(zhí)行官文森特·特納說，許多貸款機(jī)構(gòu)將使用的假設(shè)利率是實(shí)際利率的兩倍。
他說:“他們沒有根據(jù)目前大約4%的利率來計(jì)算。根據(jù)銀行的不同，他們的實(shí)際利率在7%或8%左右。
“這是一個(gè)很多人都會(huì)掉進(jìn)的陷阱，因?yàn)樗麄儠?huì)在腦子里算算，然后說，‘好吧，如果我需要借70萬美元，那么每年4%的利息是多少?’”并且覺得他們很容易負(fù)擔(dān)得起。但貸款人計(jì)算出的利息幾乎是這個(gè)數(shù)字的兩倍，所以如果利率真的上升，他們相信你仍能償還貸款?！?/span>
您的存款金額
如果你想增加銀行允許你借貸的金額，那么有足夠的資金支持是至關(guān)重要的。
特納說，大額存款和高薪一樣具有決定性。
他說:“即使你的收入非常非常高，信用評(píng)分也無可挑剔，但如果你沒有太多存款，這也會(huì)限制你。”
并非所有的收入都是平等的
也就是說，當(dāng)你決定你能借多少錢時(shí)，較高的收入會(huì)對(duì)你有利。但值得注意的是，不同的標(biāo)準(zhǔn)適用于不同類型的收入。
特納舉例說，與收入與雇員相當(dāng)?shù)娜讼啾?，個(gè)體經(jīng)營(yíng)者的收入將更難得到確認(rèn)。
他表示:“另一件要記住的事情是，合同收入或不規(guī)律的收入往往會(huì)受到懲罰?！?/span>
“所以即使你是一名合同工，年收入8萬澳元，大多數(shù)貸款機(jī)構(gòu)也會(huì)認(rèn)為，這不如一名長(zhǎng)期全職員工年收入8萬澳元那么強(qiáng)勁。”
信用卡
僅僅因?yàn)槟愕男庞每ㄉ蠜]有累積任何債務(wù)，并不意味著它們不會(huì)顯著影響你的借貸能力。
特納建議出借人要謹(jǐn)慎，并假設(shè)你可能在任何時(shí)候透支到信用卡的限額。
他說:“如果你有2萬澳元的信用卡限額，貸款機(jī)構(gòu)就會(huì)像你有2萬澳元的信用卡債務(wù)一樣看待這個(gè)問題，因?yàn)檫@基本上是你已經(jīng)擁有的債務(wù)，你可以花那么多錢?！?/span>
了解更多關(guān)于信用卡和借款能力:
費(fèi)用是一個(gè)主要因素
特納說，銀行和貸款機(jī)構(gòu)比以往任何時(shí)候都更加嚴(yán)格地審查借款人的開支。
他表示:“當(dāng)你聽到狡猾的經(jīng)紀(jì)人代表客戶在房屋貸款申請(qǐng)中欺詐的可怕故事時(shí)，往往是因?yàn)樗麄兊凸懒俗约旱闹С??！?/span>
“我們總是對(duì)人們說，真正花時(shí)間真正地看看你的實(shí)際支出是多少，因?yàn)槟阆肷暾?qǐng)一筆住房貸款，最終幫助你獲得更好的財(cái)務(wù)狀況——而不是一個(gè)有壓力的財(cái)務(wù)狀況?！?/span>
下一步該做什么
要算出你可以借多少錢買房子，用房子貸款借款計(jì)算器。
This is how banks and lenders decide how much you can borrow
Can you service a higher interest rate?
Forget about running calculations based on current interest rates when trying to gauge your own borrowing power.
此文章出于
<uno, 10 Oct 2017>
When banks and lenders crunch the numbers, they do so on a significantly higher interest rate to ensure you can still afford the repayments if interest rates climb.
What’s the outlook for interest rates?
uno Home Loans founder and CEO Vincent Turner says many lenders will use a hypothetical interest rate that is as much as double the actual rate.
“They don’t do the calculations based on current interest rates, which are about 4%. Depending on the bank, they actually do it on about 7% or 8%,” Turner says.
“That’s a trap a lot of people fall into, because they do the maths in their head and say, ‘OK, if I need to borrow $700,000, what’s 4% a year on that?’ And feel they can easily afford that. But lenders compute it on almost double that amount, so if interest rates did go up, they feel confident you could still service the loan.”
The size of your deposit
Having money behind you is critical if you wish to increase the amount that banks will let you borrow.
Turner says a bigger deposit can be just as determinative as a huge salary.
“Even if you have a really, really high income and an impeccable credit score, if you don’t have much of a deposit, that’s going to limit you,” he says.
All income is not created equal
That said, a higher income will weigh in your favour when it comes to determining the maximum amount you can borrow. But it’s important to note that varying standards are applied to different types of income.
For example, Turner says, people who are self-employed will have a more difficult time having income recognised compared to someone who earns the same amount as an employee.
“The other thing to keep in mind is that contracting or casual basis income is often penalised,” he says.
“So even if you’re a contract worker and you’re making $80,000 a year, most lenders will see that as not as strong as a permanently employed full-time worker making $80,000 a year.”
Credit cards
Just because you haven’t racked up any debt on your credit cards, it doesn’t mean they won’t significantly impact your borrowing power.
Turner advises that lenders will be cautious and assume that you may spend up to your cards’ limits at any moment.
“If you’ve got a $20,000 credit card limit, lenders will view that the same way as if you had a $20,000 credit card debt, because it’s basically a liability that you already have, and you could spend up to that amount of money,” he says.
Learn more about credit cards and borrowing power:
Expenses a major factor
Turner says banks and lenders are looking harder than ever at borrowers’ expenses.
“When you hear the horror stories of dodgy brokers being fraudulent in home loan applications on behalf of their client, it’s often because they’re understating their expenses,” he says.
“We always say to people, really take the time to genuinely look at what your real expenses are, because you want to enter into a home loan that ultimately helps to put you in a better financial position – not a stressful one.”
What to do next
To work out how much you could borrow for a home loan, use a home loan borrowing power calculator.
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