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你能支付更高的利率吗? 当你试图衡量自己的借款能力时，忘记基于当前利率进行计算。 当银行和贷方处理这些数字时，他们会大幅提高利率，以确保你在利率上升时仍能支付得起还款。 利率前景如何? uno房屋贷款公司的创始人兼首席执行官文森特·特纳说，许多贷款机构将使用的假设利率是实际利率的两倍。 他说:“他们没有根据目前大约4%的利率来计算。根据银行的不同，他们的实际利率在7%或8%左右。 “这是一个很多人都会掉进的陷阱，因为他们会在脑子里算算，然后说，‘好吧，如果我需要借70万美元，那么每年4%的利息是多少?’”并且觉得他们很容易负担得起。但贷款人计算出的利息几乎是这个数字的两倍，所以如果利率真的上升，他们相信你仍能偿还贷款。” 您的存款金额 如果你想增加银行允许你借贷的金额，那么有足够的资金支持是至关重要的。 特纳说，大额存款和高薪一样具有决定性。 他说:“即使你的收入非常非常高，信用评分也无可挑剔，但如果你没有太多存款，这也会限制你。” 并非所有的收入都是平等的 也就是说，当你决定你能借多少钱时，较高的收入会对你有利。但值得注意的是，不同的标准适用于不同类型的收入。 特纳举例说，与收入与雇员相当的人相比，个体经营者的收入将更难得到确认。 他表示:“另一件要记住的事情是，合同收入或不规律的收入往往会受到惩罚。” “所以即使你是一名合同工，年收入8万澳元，大多数贷款机构也会认为，这不如一名长期全职员工年收入8万澳元那么强劲。” 
信用卡 仅仅因为你的信用卡上没有累积任何债务，并不意味着它们不会显著影响你的借贷能力。 特纳建议出借人要谨慎，并假设你可能在任何时候透支到信用卡的限额。 他说:“如果你有2万澳元的信用卡限额，贷款机构就会像你有2万澳元的信用卡债务一样看待这个问题，因为这基本上是你已经拥有的债务，你可以花那么多钱。” 了解更多关于信用卡和借款能力: 费用是一个主要因素 特纳说，银行和贷款机构比以往任何时候都更加严格地审查借款人的开支。 他表示:“当你听到狡猾的经纪人代表客户在房屋贷款申请中欺诈的可怕故事时，往往是因为他们低估了自己的支出。” “我们总是对人们说，真正花时间真正地看看你的实际支出是多少，因为你想申请一笔住房贷款，最终帮助你获得更好的财务状况——而不是一个有压力的财务状况。” 下一步该做什么 要算出你可以借多少钱买房子，用房子贷款借款计算器。 This is how banks and lenders decide how much you can borrow Can you service a higher interest rate? Forget about running calculations based on current interest rates when trying to gauge your own borrowing power.
此文章出于 <uno, 10 Oct 2017> When banks and lenders crunch the numbers, they do so on a significantly higher interest rate to ensure you can still afford the repayments if interest rates climb. What’s the outlook for interest rates? uno Home Loans founder and CEO Vincent Turner says many lenders will use a hypothetical interest rate that is as much as double the actual rate. “They don’t do the calculations based on current interest rates, which are about 4%. Depending on the bank, they actually do it on about 7% or 8%,” Turner says. “That’s a trap a lot of people fall into, because they do the maths in their head and say, ‘OK, if I need to borrow $700,000, what’s 4% a year on that?’ And feel they can easily afford that. But lenders compute it on almost double that amount, so if interest rates did go up, they feel confident you could still service the loan.” The size of your deposit Having money behind you is critical if you wish to increase the amount that banks will let you borrow. Turner says a bigger deposit can be just as determinative as a huge salary. “Even if you have a really, really high income and an impeccable credit score, if you don’t have much of a deposit, that’s going to limit you,” he says. All income is not created equal That said, a higher income will weigh in your favour when it comes to determining the maximum amount you can borrow. But it’s important to note that varying standards are applied to different types of income. For example, Turner says, people who are self-employed will have a more difficult time having income recognised compared to someone who earns the same amount as an employee. “The other thing to keep in mind is that contracting or casual basis income is often penalised,” he says. “So even if you’re a contract worker and you’re making $80,000 a year, most lenders will see that as not as strong as a permanently employed full-time worker making $80,000 a year.” Credit cards Just because you haven’t racked up any debt on your credit cards, it doesn’t mean they won’t significantly impact your borrowing power. Turner advises that lenders will be cautious and assume that you may spend up to your cards’ limits at any moment. “If you’ve got a $20,000 credit card limit, lenders will view that the same way as if you had a $20,000 credit card debt, because it’s basically a liability that you already have, and you could spend up to that amount of money,” he says. Learn more about credit cards and borrowing power: Expenses a major factor Turner says banks and lenders are looking harder than ever at borrowers’ expenses. “When you hear the horror stories of dodgy brokers being fraudulent in home loan applications on behalf of their client, it’s often because they’re understating their expenses,” he says. “We always say to people, really take the time to genuinely look at what your real expenses are, because you want to enter into a home loan that ultimately helps to put you in a better financial position – not a stressful one.” What to do next To work out how much you could borrow for a home loan, use a home loan borrowing power calculator.
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