การกู้ซื้อบ้าน – หลักการขอสินเชื่อเพื่อกู้ที่อยู่อาศัยนั้น นอกจากธนาคารจะดูที่รายได้ของผู้ขอสินเชื่อแล้ว ยังมีการประเมินพิจารณา จากภาระค่าใช้จ่ายในแต่ละเดือนอีกด้วย ซึ่งเจ้าตัวค่าผ่อนต่าง ๆ นี่เอง ที่บางตัว ถือเป็นอุปสรรคใหญ่ในการอนุมัติวงเงิน หรือไม่ก็เป็นปัญหาที่จะทำให้วงเงินกู้ได้ต่ำลง วันนี้มาดู 5 ค่าผ่อน ที่ต้องวางแผนจัดการ ก่อนจะทำการกู้ เพื่อให้การกู้นั้นอนุมัติได้ง่าย และได้วงเงินที่สูงขึ้น จะมีอะไรบ้าง มาติดตามกัน

1. Home loan payment

Home loan payments are considered the highest burden of installment obstacles Because if someone who has already paid for the house before Want to buy a new house or buy a condo for investment Closing this burden would be difficult. The solution may be to simply "reduce" the installment payment. If someone who has been in installment for a period of about 3 years, requesting a refinance may help reduce the installment payment to some extent. or alternatively, if the conditions are not met In applying for a new home loan, it may be necessary to Find a co-borrower to add to the income itself.

2. Car payment

The car payment itself is considered the second most popular burden, which, for some people, accidentally, the car payment may be higher than the house payment. in the criteria for reducing car payment burden May be done in a variety of ways, such as bringing the car to the leasing of a non bank (hire-purchase loan provider not logged into the bank's system), it may help reduce these burdens. But there are respite criteria. Usually, if the car payment is less than 3 installments, the bank will not consider it as a burden. which at this point is also considered It's also a good time to plan for a borrower to apply for a loan.

3. Credit card installments

Credit cards are a great weapon to use to build credit bureaus. But if not used, it could be a weapon that can destroy our bureaus as well. Using a credit card if paying Spending each month, just a minimum, will cause, in addition to our burden, to increase. It also destroys our bureau scores to lower the loan amount as well. Therefore, the most efficient use of credit cards. If the spending amount is expected to be unable to be paid in one go Try to find a way to divide the payment period, for example, finding a promotion for installments 0% 6 - 10 months is better. And try to pay the amount charged in full If doing this, the bank, in addition to not charging the burden of using the card, also adds bureau points for us as well.

4. Personal loan installments

Usually, personal loans are approved for a loan amount of around one hundred thousand. but thousands of installments In general, it is not much of a burden on the borrower's credit limit. But if there are too many personal loans, it will result in a very low bureau score because it is counted as a very high total debt.

5. Cash card installments

Cash card is another one that must be used correctly. For those who have never had a bureau history before A cash card is very necessary to open a bureau. and create a good bureau in a short time But because the cash card is easy to do, can be done quickly and can do many cards Therefore, if not managed well will become a penalty That will cause bureau scores to be bruised and wasted in vain because of the cash card It will be a ready-to-use limit type. In the consideration of the bank, it will be seen that High risk of incurring debt Therefore, there is a monthly load of about 5%- 10% automatically immediately. until sometimes people who hold multiple cards Even without much payment Can't get a home loan

All 5 installments are inevitable nowadays. There will be very few people who have no burden and want to buy a house. But on the other hand, it's not a bad effect at all. Because if you manage the installment well, plan together with creating wealth, such as savings and savings together. It is still enough to propose an issue for the bank to consider on a case-by-case basis as well.