个人消费贷尚未还清对房贷申请有影响吗? - 小众知识

个人消费贷尚未还清对房贷申请有影响吗?

2013年01月27日 14:18:05 苏内容
  标签: 消费贷/房贷/现金分期
阅读:7328

  随着超前消费观念的兴起,人们有个大事小情,又面临资金缺口之时,都不忘申请贷款。一来二去,房贷和个人消费贷同时成为了时下很多人眼中的救世主。那么,不少人就问了,个人消费贷尚未还清,能继续申请房贷吗?
  其实,能否完成心愿还得看还款能力的“脸色”。受理贷款申请时,银行在注重个人信用、收入以及资产的同时,还会考量你的还款能力。本着收入负债比的原则,一个家庭的总收入至少达到负债的两倍,银行才能同意放款。所以你当下背负的负债压力过重,则很难通过房贷申请。
  看到这儿,或许有人因担心个人消费贷成为房贷的绊脚石,而按捺住了申请个人消费贷的小火苗。其实,申请房贷不是一拍脑门就能决定的事情,毕竟需要经过选房、签订购房合同等流程。在你尚未做出房贷决策之前,可以适当申请金额较小,期间较短的个人消费贷,以缓解当下的燃煤之急。等到贷款还清后,在提出房贷申请也不迟。
  反过来讲,如果你当前的房贷需求迫在眉睫,那么在房贷成功申请一段时间后,可以考虑申请平安银行专为房贷用户推出的个人信用贷产品——新一贷。该产品无需考量申请人的收入负债比情况,贷款额度取决于你房贷月供的金额,通常是为月供金额的45倍。

消费贷款的存在会影响你房贷的审批

如你所说,如过你首先取得消费贷款,可能是通过其他产权抵押或者担保行为取得贷款后
你再次申请住房贷款的,会对你的贷款情况、还贷能力进行确认
通常小额度的消费贷款不会影响住房按揭抵押贷款,不会提高你首付的数量
但是如果额度过大,比如你的消费贷款月供为5000,而你住房按揭贷款月供是3200,那你的实际月供数量为8200,按照税前计算,还贷月供占了收入的68.33%
按照银行放贷原则,月供不得超过收入的50%,超过这个数值限值,会认为还贷能力不足,贷款风险过大,不予通过贷款审批的
所以,实际限值你的还是你的收入问题,或者你的首付款问题
最好你能通过非银行贷款解决你的首付,那样就没有问题了
希望对你有帮助

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