M***0
发帖数: 1180 | 1 看介绍，车贷approval的条件是debt-to-income ratio 36%以下，否则就是要提高利息
看到网上一些贷款1年或2年利率0.99%的广告，想申请，但是加上home mortgage（包括
property tax， home insurance对吧？）后debt-to-income ratio远超过36%，是不是
0.99%肯定没戏？ 只能是申5年1.99%的？
车子是GLK 2015 | M***0
发帖数: 1180 | | I******s
发帖数: 223 | 3 车贷对信用好的人一般不查收入，你把收入说的高一点就行了。 | c*********2
发帖数: 2752 | 4 car loan is much better than mortgage.
FHA mortgage max is 55%, if you get a great loan broker, 60%.
conventional , 2nd mortgage are maxed at 50%.
auto loan you can max at 70%, no one will care.
company like credit union approves you at 70% debt to income ratio, but
charge you a higher rate.
as long as you have ~ 700 score, you should shop around, debt to income
ratio means nothing when applying for an auto loan.
stop talking to reps from big banks, those high school grads don't know shit. | c*********2
发帖数: 2752 | 5 car loan is much better than mortgage.
FHA mortgage max is 55%, if you get a great loan broker, 60%.
conventional , 2nd mortgage are maxed at 50%.
auto loan you can max at 70%, no one will care.
company like credit union approves you at 70% debt to income ratio, but
charge you a higher rate.
as long as you have ~ 700 score, you should shop around, debt to income
ratio means nothing when applying for an auto loan.
stop talking to reps from big banks, those high school grads don't know shit. |
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