It means how much you can borrow.
How much will the bank lend you
The bank decides it.
It is based on your situation, loan history, current loans, yealy income, employment status, age, family status, helth, others.
The advantages and disadvantages are as follows.
Advantage
・High yearly income, part-time job, subsidy from city hall, regular employed, 28-33 years old, few dependents.
Disdvantage
・Current various loans, salary advance, self-employed, over 40 years old, beloe 22 years old, many dependents, single
Available loan amount
Generally, if you have a high yealy income, you have advatage. And if you have many loans, you have disadvantage.
So if you have a high yealy income but, you have many loans, you have disadvantage.
Ex.
Available loan amount 2,000 man
If you have car loan of monthly payment 2 man
→amount down 1,100 man
Amount return
In cace of down for available loan amount, if you will pay off loan balance, amount will return.
Ex.
Available loan amount 2,000 man
→Amount down 1,100 man
If you pay off loan balance
→Amount will reurn 2,000 man
However, if you don't pay loan balance
→Amount is still down 1,100 man
If so, you will have to choose to pay off loan balance or not.
Because your budget will change depending on it and naturally, the house you are looking for will change too.
Condtional return
If you have many loans, there are times when available loan amount is zero.
In that case, you must pay your current loan.
Ex.
Available loan amount 2,000 man
→Amount down 0 man
If you pay off loan balance
→Amount will reurn 2,000 man
However, if you don't pay loan balance
→Amount is still down 0 man
Available loan amount depemds on your situation.
Among them, the current loans especially has an impact on the examination.
How to inquiry
If you want to ask in detail,
facebook messenger m.me/guiadesignoffice
Emai address consult@guiadesign.com
This site www.guiadesign.com/dream
Please feel free to contact us.
🇯🇵 A national qualified expert try to give you
advice that suits your current situation.
GUIA DESIDN OFFICE
Ibaraki Association of Architectural Firms
B5464 0309
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