P*R
2 楼
清明快到了，某人去买祭品，看到居然有纸糊的苹果手机，有些不以为然：啊哈！苹果
手机？老祖宗会用吗？店老板白他一眼说：乔布斯都亲自下去教了，你还操什么心？他
便买了一个，刚要转身走。老板提醒：买个手机套吧，下面蛮潮湿的。他说好。老板接
着说：再买个蓝牙耳机吧，最近下面也出台了新交规，开车打电话抓得严。他又买了个
耳机，老板继续善意的提醒到：最重要的还要买一个充电器啊，回头祖宗找你要就不好
了，光找你要还是小事，叫你送去就麻烦了。
于是他问老板要了张名片，老板问要了干嘛，他说 一起烧给祖宗，有什么问题好直接
找你做售后服务
手机？老祖宗会用吗？店老板白他一眼说：乔布斯都亲自下去教了，你还操什么心？他
便买了一个，刚要转身走。老板提醒：买个手机套吧，下面蛮潮湿的。他说好。老板接
着说：再买个蓝牙耳机吧，最近下面也出台了新交规，开车打电话抓得严。他又买了个
耳机，老板继续善意的提醒到：最重要的还要买一个充电器啊，回头祖宗找你要就不好
了，光找你要还是小事，叫你送去就麻烦了。
于是他问老板要了张名片，老板问要了干嘛，他说 一起烧给祖宗，有什么问题好直接
找你做售后服务
r*d
3 楼
DTI ( Debt-to-income ratio) must be less than 45%. Debts will include all
your dets ( credit loan, car loans, PTIT, credit mininum payment, HOA...etc)
. Income will be your income before tax.
【在 z***s 的大作中提到】
: 即超过多少，银行基本就不批了。谢谢
your dets ( credit loan, car loans, PTIT, credit mininum payment, HOA...etc)
. Income will be your income before tax.
【在 z***s 的大作中提到】
: 即超过多少，银行基本就不批了。谢谢
M*9
4 楼
LOL。。。这老板太贪心了。。。。
【在 P********R 的大作中提到】
: 清明快到了，某人去买祭品，看到居然有纸糊的苹果手机，有些不以为然：啊哈！苹果
: 手机？老祖宗会用吗？店老板白他一眼说：乔布斯都亲自下去教了，你还操什么心？他
: 便买了一个，刚要转身走。老板提醒：买个手机套吧，下面蛮潮湿的。他说好。老板接
: 着说：再买个蓝牙耳机吧，最近下面也出台了新交规，开车打电话抓得严。他又买了个
: 耳机，老板继续善意的提醒到：最重要的还要买一个充电器啊，回头祖宗找你要就不好
: 了，光找你要还是小事，叫你送去就麻烦了。
: 于是他问老板要了张名片，老板问要了干嘛，他说 一起烧给祖宗，有什么问题好直接
: 找你做售后服务
【在 P********R 的大作中提到】
: 清明快到了，某人去买祭品，看到居然有纸糊的苹果手机，有些不以为然：啊哈！苹果
: 手机？老祖宗会用吗？店老板白他一眼说：乔布斯都亲自下去教了，你还操什么心？他
: 便买了一个，刚要转身走。老板提醒：买个手机套吧，下面蛮潮湿的。他说好。老板接
: 着说：再买个蓝牙耳机吧，最近下面也出台了新交规，开车打电话抓得严。他又买了个
: 耳机，老板继续善意的提醒到：最重要的还要买一个充电器啊，回头祖宗找你要就不好
: 了，光找你要还是小事，叫你送去就麻烦了。
: 于是他问老板要了张名片，老板问要了干嘛，他说 一起烧给祖宗，有什么问题好直接
: 找你做售后服务
p*e
5 楼
同意楼上的。我很不喜欢是年收入多少倍这种说法。光有没有车贷款这项，就会让可贷
款总额增加不少。
另外，那个是不是笔误？应该是piti
款总额增加不少。
另外，那个是不是笔误？应该是piti
d*8
6 楼
wow, are you sure? this sounds pretty low.
etc)
【在 r******d 的大作中提到】
: DTI ( Debt-to-income ratio) must be less than 45%. Debts will include all
: your dets ( credit loan, car loans, PTIT, credit mininum payment, HOA...etc)
: . Income will be your income before tax.
etc)
【在 r******d 的大作中提到】
: DTI ( Debt-to-income ratio) must be less than 45%. Debts will include all
: your dets ( credit loan, car loans, PTIT, credit mininum payment, HOA...etc)
: . Income will be your income before tax.
r*d
7 楼
Good catch :) Yes, it is PITI.
【在 p***e 的大作中提到】
: 同意楼上的。我很不喜欢是年收入多少倍这种说法。光有没有车贷款这项，就会让可贷
: 款总额增加不少。
: 另外，那个是不是笔误？应该是piti
【在 p***e 的大作中提到】
: 同意楼上的。我很不喜欢是年收入多少倍这种说法。光有没有车贷款这项，就会让可贷
: 款总额增加不少。
: 另外，那个是不是笔误？应该是piti
r*d
8 楼
Yes, lender use this rule to qualify the loan. Some lenders even allow DTI
to 50%, but rate will be worse.
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
to 50%, but rate will be worse.
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
D*I
9 楼
? 45% 还low?
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
D*I
10 楼
对，车贷款很伤，哈哈
【在 p***e 的大作中提到】
: 同意楼上的。我很不喜欢是年收入多少倍这种说法。光有没有车贷款这项，就会让可贷
: 款总额增加不少。
: 另外，那个是不是笔误？应该是piti
【在 p***e 的大作中提到】
: 同意楼上的。我很不喜欢是年收入多少倍这种说法。光有没有车贷款这项，就会让可贷
: 款总额增加不少。
: 另外，那个是不是笔误？应该是piti
g*q
11 楼
45%已经是极限了,一般lender也就给40%.
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
r*u
12 楼
银行还是根据debt\income的比例。部分银行可以做到50%.
如果income比较低的，可以考虑3-7年的浮动利息。
有的银行比较送，可以把奖金算进去。
我们一般运用计算软件可以算出比较精确的贷款额。
如果您可以email我一些精确的数字
即超过多少，银行基本就不批了。谢谢
【在 z***s 的大作中提到】
: 即超过多少，银行基本就不批了。谢谢
如果income比较低的，可以考虑3-7年的浮动利息。
有的银行比较送，可以把奖金算进去。
我们一般运用计算软件可以算出比较精确的贷款额。
如果您可以email我一些精确的数字
即超过多少，银行基本就不批了。谢谢
【在 z***s 的大作中提到】
: 即超过多少，银行基本就不批了。谢谢
d*8
13 楼
i don't quite understand this, but does "debt" include "mortgage"?
p*e
14 楼
不一定，确实有program到50%的
【在 g*q 的大作中提到】
: 45%已经是极限了,一般lender也就给40%.
【在 g*q 的大作中提到】
: 45%已经是极限了,一般lender也就给40%.
r*d
15 楼
Yes, it will include your mortgage.
【在 d*********8 的大作中提到】
: i don't quite understand this, but does "debt" include "mortgage"?
【在 d*********8 的大作中提到】
: i don't quite understand this, but does "debt" include "mortgage"?
p*e
16 楼
包括的，就是你即将付的房子贷款
【在 d*********8 的大作中提到】
: i don't quite understand this, but does "debt" include "mortgage"?
【在 d*********8 的大作中提到】
: i don't quite understand this, but does "debt" include "mortgage"?
d*8
17 楼
really? if a person makes less than 100K a year, she can only take out a
loan of less than 50k to buy a house?
【在 p***e 的大作中提到】
: 包括的，就是你即将付的房子贷款
loan of less than 50k to buy a house?
【在 p***e 的大作中提到】
: 包括的，就是你即将付的房子贷款
r*d
18 楼
it will depend on your loan amount. For jumbo, usually the DTI is 40% or
less. But conforming will be 45% to 50% depend on lenders.
【在 g*q 的大作中提到】
: 45%已经是极限了,一般lender也就给40%.
less. But conforming will be 45% to 50% depend on lenders.
【在 g*q 的大作中提到】
: 45%已经是极限了,一般lender也就给40%.
p*r
19 楼
这版上都什么标准。 前两天有人税后六千的贷四十万（月供两千都不到一点），都有
人说撑。DTI可是跟税前收入比，这还不撑？
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
人说撑。DTI可是跟税前收入比，这还不撑？
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
p*e
20 楼
不是这样算的。是按照每个月的debt to income来算的，就是你每个月的房贷，车贷，
信用卡min和income before tax的比率
【在 d*********8 的大作中提到】
: really? if a person makes less than 100K a year, she can only take out a
: loan of less than 50k to buy a house?
信用卡min和income before tax的比率
【在 d*********8 的大作中提到】
: really? if a person makes less than 100K a year, she can only take out a
: loan of less than 50k to buy a house?
d*8
21 楼
i see. this makes more sense
【在 p***e 的大作中提到】
: 不是这样算的。是按照每个月的debt to income来算的，就是你每个月的房贷，车贷，
: 信用卡min和income before tax的比率
【在 p***e 的大作中提到】
: 不是这样算的。是按照每个月的debt to income来算的，就是你每个月的房贷，车贷，
: 信用卡min和income before tax的比率
p*r
22 楼
She can only have a mortgage payment of 50K per year. In 30 years, your
total payment is $1.5M. At today's interest rate, that means you can buy
property almost worth $1M assuming there is no other debt (although there
certainly is because of property tax, etc).
Even assume 30K per year, that almost means that you can buy property with $
550K loan with $100K salary.
【在 d*********8 的大作中提到】
: really? if a person makes less than 100K a year, she can only take out a
: loan of less than 50k to buy a house?
total payment is $1.5M. At today's interest rate, that means you can buy
property almost worth $1M assuming there is no other debt (although there
certainly is because of property tax, etc).
Even assume 30K per year, that almost means that you can buy property with $
550K loan with $100K salary.
【在 d*********8 的大作中提到】
: really? if a person makes less than 100K a year, she can only take out a
: loan of less than 50k to buy a house?
p*e
23 楼
还是要把tax,insurance,hoa, car loan, and credit card min算进去，你会很惊讶地
发现，可以得到的贷款上限很不一样。
$
【在 p********r 的大作中提到】
: She can only have a mortgage payment of 50K per year. In 30 years, your
: total payment is $1.5M. At today's interest rate, that means you can buy
: property almost worth $1M assuming there is no other debt (although there
: certainly is because of property tax, etc).
: Even assume 30K per year, that almost means that you can buy property with $
: 550K loan with $100K salary.
发现，可以得到的贷款上限很不一样。
$
【在 p********r 的大作中提到】
: She can only have a mortgage payment of 50K per year. In 30 years, your
: total payment is $1.5M. At today's interest rate, that means you can buy
: property almost worth $1M assuming there is no other debt (although there
: certainly is because of property tax, etc).
: Even assume 30K per year, that almost means that you can buy property with $
: 550K loan with $100K salary.
d*8
24 楼
thanks!
$
【在 p********r 的大作中提到】
: She can only have a mortgage payment of 50K per year. In 30 years, your
: total payment is $1.5M. At today's interest rate, that means you can buy
: property almost worth $1M assuming there is no other debt (although there
: certainly is because of property tax, etc).
: Even assume 30K per year, that almost means that you can buy property with $
: 550K loan with $100K salary.
$
【在 p********r 的大作中提到】
: She can only have a mortgage payment of 50K per year. In 30 years, your
: total payment is $1.5M. At today's interest rate, that means you can buy
: property almost worth $1M assuming there is no other debt (although there
: certainly is because of property tax, etc).
: Even assume 30K per year, that almost means that you can buy property with $
: 550K loan with $100K salary.
b*d
25 楼
可以贷到50% DTI,但是要求有12个月的PITI作为reserve。
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
【在 d*********8 的大作中提到】
: wow, are you sure? this sounds pretty low.
:
: etc)
o*l
26 楼
I was able to take out 8 times of my income, it really depends on how much
downpayment you put down. No other debts.
downpayment you put down. No other debts.
s*l
27 楼
信用卡月月账单500，minimum pay 15，那贷款时银行算15还是算500?
奖金加班费算收入么? 还是只算基本薪水？
奖金加班费算收入么? 还是只算基本薪水？
V*1
28 楼
算15
debt就是你每个月不吃不喝都必须付的钱。
★ 发自iPhone App: ChineseWeb 7.3
【在 s*******l 的大作中提到】
: 信用卡月月账单500，minimum pay 15，那贷款时银行算15还是算500?
: 奖金加班费算收入么? 还是只算基本薪水？
debt就是你每个月不吃不喝都必须付的钱。
★ 发自iPhone App: ChineseWeb 7.3
【在 s*******l 的大作中提到】
: 信用卡月月账单500，minimum pay 15，那贷款时银行算15还是算500?
: 奖金加班费算收入么? 还是只算基本薪水？
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