a****e
发帖数: 1297 | |
r*****a
发帖数: 27155 | 2 4倍税前收入？不过我们贷了4.5倍的
【在 a****e 的大作中提到】
: 大概什么比例？
: 谢谢
|
C*****t
发帖数: 28 | 3 一般贷款的要求 DTI (Debt to Income) <45%
Debt = PITI + credit card expense
Income = gross income
PITI 代表 principle, interest, tax, insurance， 其中PI占主要部分， 贷款额度
越大，PI相应越大，增加DTI, Income越多，会降低DTI.
【在 a****e 的大作中提到】
: 大概什么比例？
: 谢谢
|
C*S
发帖数: 1658 | 4 Are you sure?
My loan officer said that Debt due to credit card use is only the minimum
monthly due, not the total amount one spends each month.
【在 C*****t 的大作中提到】
: 一般贷款的要求 DTI (Debt to Income) <45%
: Debt = PITI + credit card expense
: Income = gross income
: PITI 代表 principle, interest, tax, insurance， 其中PI占主要部分， 贷款额度
: 越大，PI相应越大，增加DTI, Income越多，会降低DTI.
|
c*h
发帖数: 33018 | 5 直觉觉得应该是TOTAL credit card expense， 不回是最小credit card expense。 |
c*******7
发帖数: 2506 | 6 co-ask
【在 C*S 的大作中提到】
: Are you sure?
: My loan officer said that Debt due to credit card use is only the minimum
: monthly due, not the total amount one spends each month.
|
l******a
发帖数: 16364 | 7 是的.
【在 C*S 的大作中提到】
: Are you sure?
: My loan officer said that Debt due to credit card use is only the minimum
: monthly due, not the total amount one spends each month.
|
b*d
发帖数: 9308 | 8 是用minimum payment due.
【在 C*S 的大作中提到】
: Are you sure?
: My loan officer said that Debt due to credit card use is only the minimum
: monthly due, not the total amount one spends each month.
|
C*S
发帖数: 1658 | 9 think this way: debt is the money you MUST pay each month. If you do not
want to pay total expense amount, you are essentially borrowing money from
the credit card company.
It is absolutely fine that we borrowers (especially first time buyer) do not understand this. However, it is really a bad sign that some loan agents do not even know this difference.
【在 c*h 的大作中提到】
: 直觉觉得应该是TOTAL credit card expense， 不回是最小credit card expense。
|
k******o
发帖数: 3328 | 10 Only the minimum required payment each month for credit company, normally $
20-$50 per month regardless your credit card balance.
这年头，agent 素质参差不齐呵！
not understand this. However, it is really a bad sign that some loan agents
do not even know this difference.
【在 C*S 的大作中提到】
: think this way: debt is the money you MUST pay each month. If you do not
: want to pay total expense amount, you are essentially borrowing money from
: the credit card company.
: It is absolutely fine that we borrowers (especially first time buyer) do not understand this. However, it is really a bad sign that some loan agents do not even know this difference.
|
|
|
c*h
发帖数: 33018 | |
C*****t
发帖数: 28 | 12 对是minimum payment,谢谢纠正
【在 C*S 的大作中提到】
: Are you sure?
: My loan officer said that Debt due to credit card use is only the minimum
: monthly due, not the total amount one spends each month.
|
m********c
发帖数: 13337 | 13 利率越低，你能贷到的款就越多。
【在 a****e 的大作中提到】
: 大概什么比例？
: 谢谢
|
d******n
发帖数: 2712 | 14 Credit card的debt是minimum monthly payment的。
【在 c*h 的大作中提到】
: 直觉觉得应该是TOTAL credit card expense， 不回是最小credit card expense。
|
d******n
发帖数: 2712 | 15 银行是用收入来衡量还款能力的，因此收入跟贷款额是有直接关系的。 |
b*d
发帖数: 9308 | 16 老美很多人都不是还每个月的balance的，所以银行在衡量每个月的debt payment的时
候也就是用minimum payment就可以了。
not understand this. However, it is really a bad sign that some loan agents
do not even know this difference.
【在 C*S 的大作中提到】
: think this way: debt is the money you MUST pay each month. If you do not
: want to pay total expense amount, you are essentially borrowing money from
: the credit card company.
: It is absolutely fine that we borrowers (especially first time buyer) do not understand this. However, it is really a bad sign that some loan agents do not even know this difference.
|
