s******e
发帖数: 696 | 1 【 以下文字转载自 Living 讨论区 】
发信人: scarface (人生犹如一场电影), 信区: Living
标 题: 现在银行的debt-to-income ratio 要求是多少？
发信站: BBS 未名空间站 (Thu Nov 8 23:47:33 2012, 美东)
td bank的
多谢。 | s******e
发帖数: 696 | | b*******n
发帖数: 209 | 3 one of indexes to assess your ability to repay your loan.
If the ratio is high, that means your income is relatively low to the loan (
or debt), you have high probability of default, which can be very well
translated into high interest rate for your mortgage.
36% or less: This is an ideal debt load to carry for most people. Showing
that you can control your spending in relation to your income is what
lenders are looking for when evaluating if you are credit-worthy.
37% to 42%: Your debts still may seem manageable, but start paying them down
before they begin to spiral out of control. At this level, credit cards
still may be easy to obtain, but acquiring loans may be more difficult.
43% to 49%: Your debt ratio is high and financial difficulties may be
looming unless you take immediate action.
50% or more: Seek professional help to make plans for drastically reducing
your debt before it becomes a real problem.
【在 s******e 的大作中提到】
: 有人知道吗？在康州买房。
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