请问大家有关于银行贷款的事..

[williamou22]

请问大家一下,如果一个家庭一个月的收入有$4000.想买一个TOWNHOUSE,能向银行借多少钱来供房子呢??都需要些什么文件的呢.

 

[kukululu]

好像说粗略计算的话，贷款是工资的5倍

 

[shgcn]

税前收入的4倍

你说的4000元是税后收入吧。贷款还取决于你其他的贷款，比如有汽车贷款，学生贷款，信用卡的欠款。网上有很多工具，可以用来算一下以你的收入和支出，到底可以得到多少贷款。

 

[会飞的鸟]

http://www.fcac-acfc.gc.ca/iTools-iOutils/Mortgagequalifier-eng.aspx

 

[williamou22]

你说的4000元是税后收入吧。贷款还取决于你其他的贷款，比如有汽车贷款，学生贷款，信用卡的欠款。网上有很多工具，可以用来算一下以你的收入和支出，到底可以得到多少贷款。

现在只是租房子住，除了吃饭，电话，电视，网费就没有其它要用的费用了，4000蚊是家庭的税后收入。不知道$20W能不能贷到呢。

 

[苦逼热狗]

看你downpayment有多少了，税后4000，如果没有lease车的话，没sears card/信用卡/电话费欠账，没学生贷款，信用积分过800的话，15-20%down payment的话，25万应该没问题

 

[jmm]

lender will see your income before the tax, so $4000 after tax, means you could make 70k a yeare, you could get $400k moprtgage. don't forget you have to caculate the property tax too.

 

[jmm]

go to see them to do the pre-approval to see how much you can get , maybe can hold the better rate for you, i listen to the radio, today, the prime rate will go up by the end of july base on unemployee rate goes down

 

[PanasonicVCR]

ask bank

why not ask bank directly, anyway you will deal with bank later. ask them to do a pre-approval, then you will have basic ideas.

请问大家一下,如果一个家庭一个月的收入有$4000.想买一个TOWNHOUSE,能向银行借多少钱来供房子呢??都需要些什么文件的呢.

 

[jmm]

but if i go to different bank, everytime they will requir my credit bureau, even i don,t do anything, my scroe of the credit already deducted, any for me i perfer go to broker, let him shopping for me, then i have more options, and only cost me one time for the credit check. if something wrong, let broker deal for me. Actually that i did in the past couple time. more easy!