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年收入和房子的费用对比率
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What is the ratio for annual income vs. cost of house? Details...?Is there some kind of ratio for how much your house should cost vs what you make in a year? Like 100,000 your house should be no more than 200,000...I know you are supposed to have 6 monthes pay in your savings account and no more than 15% debt. What is the housing rule?
Best Answer - Chosen by AskerThe rule of thumb is between 2x and 3x the annual salary, so on 100k you would look between 200k and 300k for the house. I know that is a huge range, but the rules of thumb have to account for very different downpayments, interest rates, taxes (which can vary greatly) and insurance (which can vary greatly).
The better rule is the 28/36 rule which says that housing (PITI - principal, interest, taxes and insurance) should be no more than 28% of your monthly gross and that all of your monthly debt payments should be below 36% of your monthly gross. Some people are more limited by the 28% and some by the 36%. These were the ratios used historically by lenders and then they went away from them in the last few years. We see what happened then!
Hope that helps.
什么是年收​​入对比的房子的费用比例是多少？ 详情...？是有一些的比例为多少你的房子比你的成本，应在一年内使呢？ 喜欢你的房子10万应不超过20万...我知道你应该有6 monthes活期储蓄账户支付不超过15％的债务。 什么是住房规则？
最好的答案 -提问者选为经验法则是2倍和3倍之间的年薪，所以你会看在10万至20万和30万的房子。 我知道这是一个巨大的范围内，但经验的规则已经占非常不同的首付，利率，税收（可相差很大）和保险（可相差很大）。
更好的规则是三十六分之二十八规则，说房屋（PITI指数 - 本金，利息，税金和保险）应不超过您每月的28％，而总您每月支付的所有债务应低于36％的每月总。 有些人更由28％和一些有限的36％。 这些都是历史上使用的贷款的比例，然后他们就离开他们在过去数年。 我们看到发生了什么呢！
希望有所帮助。
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楼主 |
发表于 30-4-2011 06:57 PM
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- I have heard the numbers 29% to as high as 41% if the person has no debt at all. Hope this helps!!
I've always heard that a general rule is that a family can afford a house that is 3 times their gross annual income.
So if you take in $100,000 a year, you should be able to afford a $300,000 house.
This link looks very helpful. Enter in your info and it will tell you a lot.
Source(s):http://www.bankrate.com/brm/calc/newhous…
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楼主 |
发表于 30-4-2011 06:59 PM
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- The debt to income ratio varies by the mortgage company it is usually between 30 and 35%
- 1 person rated this as good
vtjames3...
Your house shouldnt take up more than roughly 30% of your monthly income but for most of us it is probably well over half. Mine takes up about 60% but most banks wont give a loan for more than 40% with 30% being preferred.
stephen t
Yes, it is called a debt-to-income ratio. Depending on what type of mortgae you get it can range from 28% to 50% depending on loan underwriting requirements. They will also look at your other debts in calculating what you can afford. The lower the debt to income ratio, the better chance you have of getting a lower interest rate. For example let's say you put 20% down a house, you have decent credit, and you borrow $300,000 for a traditional 30 yr fixed. Your payments would be around $1,750 at 7% interest rate. If you made $100,000 a year you would have a debt-to-income ratio of 21% if you made $50,000.00 you would have debt-to-income of 41%. You can go as high as 50% but you will pay a higher interest rate. I do not think there any loan programs that go above 50%.
- 债务对收入比率变化，按揭证券公司通常是30至35％
vtjames3 ...
你的房子不应该采取以上大约每月收入的30％，但对我们来说，最重要的是可能超过一半。 矿井约占60％，但大多数银行不会给超过40％，30％是首选的贷款。
斯蒂芬吨
是的，它被称为债务对收入比率。 根据什么样的mortgae类型得到它的范围可以从28％至50％的贷款承保要求而定。 他们还将看你的其他债务，在计算你能负担得起的。 较低的债务与收入比率，更好的机会，你得到一个较低的利率有。 例如，让我们说你放下房子20％，你有体面的信用，你借一个传统的30年固定30万美元。 您的款项将约为7％的利息1,750。 如果你一年赚了100000美元，你将有21％的债务对收入比率如果您做了$ 50,000.00你将不得不债务与收入的41％。 你可以去高达50％高，但你会付出更高的利率。 我不认为有任何贷款方案，50％以上去。
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发表于 30-4-2011 06:56 PM
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