銀行貸款

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銀行貸款

如何評估自己收入可貸額度

上班每月薪資為3萬,這樣可以貸多少?(完全無其他負債)

30,000*0.7=21,000
(每個月可以負擔月付金2.1萬) 2.1萬回推貸款金額

一般算法: 100萬貸款20年的月付金是5,000元

所以最高可以貸款:
21,000/5,000=4.2
4.2*100=420最高可以貸款420萬

負債比的部分:貸款銀行估算 負債比控制70%~80%

假設多了一筆信貸,每個月信貸月付金1萬,這樣貸款可以貸多少?

30,000*0.7=21,000
21,000-10,000=11,000

11,000/5000=2.2
2.2*100=220 小林最高可以貸220萬

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