m***i
发帖数: 84 | 1 因为lp刚工作，opt。我有h１b，现在只能我一人贷款。我看到网上说最多只能贷
salary的４倍, 可是我的broker算了一下，说我可以贷差不多我一人salary的５.８倍
了。银行能批准么？但是broker很肯定。 broker
说的靠谱么？ | k******o
发帖数: 3328 | 2 If you want to get the best rate, DTI (Debt to Income) <= 45% per Fannie Mae
guideline. Some lender might require 12 month PITI (mortgage Principle,
mortgage Interest, property Tax, and home owner Insurance) reserve for DTI
<= 50%
Please refer my previous posting: http://www.mitbbs.com/clubarticle_t2/CA_RealtyMortgage/31338741.html
【在 m***i 的大作中提到】
: 因为lp刚工作，opt。我有h１b，现在只能我一人贷款。我看到网上说最多只能贷
: salary的４倍, 可是我的broker算了一下，说我可以贷差不多我一人salary的５.８倍
: 了。银行能批准么？但是broker很肯定。 broker
: 说的靠谱么？
| m***i
发帖数: 84 | 3 我也不知道tax什么的需要交多少，如果按照５０％算，我的salary的５０％ 减去
mortgage 每月还款可能还剩下１０００，但是我每月还有３５０的车贷款要还。那剩
下７００够什么信用卡，tax什么么？我信用卡都是全款还清的。车贷能转移给我lp么
？还有您说的bonus，我每季度都有，可是怎么证明呢？谢谢
Mae
DTI
【在 k******o 的大作中提到】
: If you want to get the best rate, DTI (Debt to Income) <= 45% per Fannie Mae
: guideline. Some lender might require 12 month PITI (mortgage Principle,
: mortgage Interest, property Tax, and home owner Insurance) reserve for DTI
: <= 50%
: Please refer my previous posting: http://www.mitbbs.com/clubarticle_t2/CA_RealtyMortgage/31338741.html
| k******o
发帖数: 3328 | 4 If you just have W2, look for the largest number (i.e. total gross) before
being deducted by FICA/payroll tax, medical/flexible spending account/401k
contribution, and income tax withholding, etc. This is your income.
Regarding bonus, 雇主所付的奖金(可预见并具有季度效应的). Need to show consistent, predictable and in written form. This is your additional income.
If "我信用卡都是全款还清的", just use monthly minimum (i.e $20) as your credit card debt.
Your 车贷款 is $350 each month. You might call car loan lender to discuss to transfer your debt to another person.
Plus PITI of your house.
【在 m***i 的大作中提到】
: 我也不知道tax什么的需要交多少，如果按照５０％算，我的salary的５０％ 减去
: mortgage 每月还款可能还剩下１０００，但是我每月还有３５０的车贷款要还。那剩
: 下７００够什么信用卡，tax什么么？我信用卡都是全款还清的。车贷能转移给我lp么
: ？还有您说的bonus，我每季度都有，可是怎么证明呢？谢谢
:
: Mae
: DTI
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