This is definitely not fixed, it should be judged according to your economic income. You can calculate the debt ratio by dividing the amount of debt by the monthly salary. If your monthly income is 6,543,800 yuan and your debt is 5,000 yuan, then your debt ratio is 50%.
As long as your debt ratio does not exceed 50%, it should have no effect on you. You can still apply for a mortgage in the bank. As long as there is no problem with your credit, then I believe you can apply successfully, and remember to repay on time every month in the future.
Second, the credit card debt is 654.38+0.5 million. Does it affect the first home mortgage?
It is better to repay the loan on time. What will happen? If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments; If the lender fails to perform the judgment within the performance period after winning the case, it will apply for enforcement; When accepting compulsory execution, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law; If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. Basically, it won't affect, and you can repay on time in the future.
Third, how much debt can't be used as collateral?
When handling a mortgage, many banks stipulate that the borrower's credit card debt cannot exceed 70%. If the borrower's credit card debt exceeds 70%, the bank will doubt the user's repayment ability and refuse the user's mortgage application. However, different banks will have different regulations on the borrower's debt ratio. For specific suggestions, consult the staff of the loan bank. If you know that your debt is too high, you can repay part of your debt before applying for a mortgage, which can effectively reduce your debt ratio and improve the probability of success in applying for a mortgage. Users can also submit more financial certificates, and the debt ratio can be appropriately relaxed. Banks will only lend to users if they judge that they have repayment ability. Therefore, when applying for a mortgage, if the debt ratio is too high, you must reduce your debt ratio. Mortgage loan, also known as mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. Housing loan Personal housing loan refers to a loan issued by a bank to a borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. Entrusted loan Personal housing entrusted loan refers to the loan granted by banks to individuals who purchase ordinary housing with housing provident fund deposits as the source of funds according to requirements. Also known as provident fund loans. Self-operated loans Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan. Portfolio loan Personal housing portfolio loan refers to a loan issued to the same borrower from the housing provident fund deposit and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loan and self-operated loan. In addition, there are housing savings loans and mortgage loans. Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc. Loan amount: 80% of the value of the loanable property after being audited by the bank. Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan. Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old. Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.
Fourth, how big is the impact of debt on mortgage?
This is definitely not fixed, it should be judged according to your economic income. You can calculate the debt ratio by dividing the amount of debt by the monthly salary. If your quota is 5000 yuan each, then your debt ratio is 50%.
As long as you should, it won't do you any harm. As long as there is no problem with your credit, then I believe you can apply successfully, and remember to repay on time every month in the future.