如何做好买房能力评估 重点做好三大计算

_blank class=infotextkey>g>一、“_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房能力”_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定义_blank class=infotextkey>g>

_blank class=infotextkey>get=_blank class=infotextkey>就是看_blank class=infotextkey>get=_blank class=infotextkey>你是否_blank class=infotextkey>get=_blank class=infotextkey>有能力_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房，或_blank class=infotextkey>get=_blank class=infotextkey>一次性付款_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房，或_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房。_blank class=infotextkey>如果是_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳.fan_blank class=infotextkey>g558.com/fuyon_blank class=infotextkey>g/ tar_blank class=infotextkey>get=_blank class=infotextkey>福永_blank class=infotextkey>村委统建_blank class=infotextkey>get=_blank class=infotextkey>楼，那就_blank class=infotextkey>应该_blank class=infotextkey>get=_blank class=infotextkey>评估_blank class=infotextkey>get=_blank class=infotextkey>你的还款能力，即以_blank class=infotextkey>get=_blank class=infotextkey>你的月供与_blank class=infotextkey>get=_blank class=infotextkey>家庭月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入比来衡量，_blank class=infotextkey>get=_blank class=infotextkey>一般月供_blank class=infotextkey>get=_blank class=infotextkey>高_blank class=infotextkey>不宜_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>get=_blank class=infotextkey>家庭_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入的_blank class=infotextkey>get=_blank class=infotextkey>50%。

_blank class=infotextkey>g>二、_blank class=infotextkey>get=_blank class=infotextkey>如何_blank class=infotextkey>get=_blank class=infotextkey>评估自_blank class=infotextkey>get=_blank class=infotextkey>身_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房能力：_blank class=infotextkey>g>

1、计算_blank class=infotextkey>get=_blank class=infotextkey>首付能力

计算_blank class=infotextkey>get=_blank class=infotextkey>自己的_blank class=infotextkey>get=_blank class=infotextkey>首付能力_blank class=infotextkey>时，一_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定要加_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>装_blank class=infotextkey>get=_blank class=infotextkey>修_blank class=infotextkey>get=_blank class=infotextkey>费用，因为_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>不可_blank class=infotextkey>get=_blank class=infotextkey>能_blank class=infotextkey>get=_blank class=infotextkey>住在毛坯_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子里。

_blank class=infotextkey>get=_blank class=infotextkey>2、计算月供能力

_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>你是_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>每月的月_blank class=infotextkey>get=_blank class=infotextkey>供应该_blank class=infotextkey>get=_blank class=infotextkey>控制在_blank class=infotextkey>get=_blank class=infotextkey>你月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入的_blank class=infotextkey>30%左右，因为_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>不但要_blank class=infotextkey>get=_blank class=infotextkey>考虑到_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>上升的因素，_blank class=infotextkey>get=_blank class=infotextkey>还要_blank class=infotextkey>get=_blank class=infotextkey>考虑到_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入减_blank class=infotextkey>get=_blank class=infotextkey>少的因素。此外，_blank class=infotextkey>get=_blank class=infotextkey>你在_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>时，好预留出一_blank class=infotextkey>年的_blank class=infotextkey>get=_blank class=infotextkey>按揭款。

_blank class=infotextkey>3、计算养_blank class=infotextkey>get=_blank class=infotextkey>房能力

养_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>成本包括_blank class=infotextkey>get=_blank class=infotextkey>物业费、供暖费、_blank class=infotextkey>get=_blank class=infotextkey>24_blank class=infotextkey>get=_blank class=infotextkey>小_blank class=infotextkey>时热_blank class=infotextkey>get=_blank class=infotextkey>水费，_blank class=infotextkey>如果_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>购买的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子_blank class=infotextkey>get=_blank class=infotextkey>距离_blank class=infotextkey>get=_blank class=infotextkey>上班_blank class=infotextkey>get=_blank class=infotextkey>地点很远，_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>还要_blank class=infotextkey>get=_blank class=infotextkey>考虑到_blank class=infotextkey>get=_blank class=infotextkey>交通_blank class=infotextkey>get=_blank class=infotextkey>费用。

据一项_blank class=infotextkey>get=_blank class=infotextkey>调查_blank class=infotextkey>get=_blank class=infotextkey>显示，_blank class=infotextkey>get=_blank class=infotextkey>我国_blank class=infotextkey>get=_blank class=infotextkey>有91.1%的_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>按揭_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房，其_blank class=infotextkey>get=_blank class=infotextkey>中，_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>31.75%的_blank class=infotextkey>get=_blank class=infotextkey>人，月供占其_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>收入的_blank class=infotextkey>get=_blank class=infotextkey>50%以_blank class=infotextkey>get=_blank class=infotextkey>上，_blank class=infotextkey>get=_blank class=infotextkey>如何_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>压力山_blank class=infotextkey>get=_blank class=infotextkey>大？所以_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房前一_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定要先做_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房能力_blank class=infotextkey>get=_blank class=infotextkey>评估，_blank class=infotextkey>get=_blank class=infotextkey>才能避免日后因_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>压力过_blank class=infotextkey>get=_blank class=infotextkey>大而_blank class=infotextkey>get=_blank class=infotextkey>影响_blank class=infotextkey>get=_blank class=infotextkey>生活_blank class=infotextkey>get=_blank class=infotextkey>质量。