What you need to buy an apartment?
Yes money, of course!
Money adds Bank, in the form of credit.
And what do I get a loan borrower?
Money to repay the loan.
Bank afraid. Afraid that the money (data + you interest for the use of credit), it has not come back.
Bank of danger.
Ready, therefore, that before you will give at least some money, if you ask the question many times:
"And what is your income?"
What are asked so indiscreet question?
Because the loan depends on the borrower's ability to recover bank debt.
Banks believe that the person accepting the loan (the borrower) could spend on servicing of the loan (reducing debt to the bank and payment of monthly per cent), about half of revenue.
Of course, everything depends on the income, and from one bank (there are banks who believe that the borrower and 80% of their income can spend in the form of payments on the loan). The higher incomes, the more they can spend part of the borrower to repay the loan. And vice versa. For example, if a borrower's monthly income of more than 2 thousand dollars, it is such a salary borrower may 60-80% pay at providing credit. If the same salary (again, in terms of dollars) less than 700, the bank believes that more than a third of wages per month for the repayment of loan (with interest), the borrower will not be able to spend.
Maybe raised another question: At what cost you are looking for an apartment and how much money you have (in the initial payment) already? "
In fact, this is the same question in another form.
A specialist to whom you were referred about the credit, before the eyes of the table. Before you a little piece of tabular one of the banks. This table is easy to draw up on any mortgage program, any bank taking advantage of information publicly available, but you are unlikely to need.
The table shows that no matter what there was, everything boils down to your income. And the higher your income, so at great credit can count.
The last time banks prefer not to be such a table in hard copy, make a "loan calculators."
But vse-ravno, in whatever form, these data may be a bank employee, a potential borrower's loan depends on the borrower's income, and how much money for the initial payment from the borrower is.
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Mortgage and apartment
