???? FREE TRAINING: http://bloginfluent.fr/formation-immo... ???? ???? REAL ESTATE INVESTOR: http://formation.bloginfluent.fr/immo... ???? ▬▬▬▬▬▬▬▬▬ OUR TRAINING ▬▬▬▬▬▬▬▬▬▬ Live off your blog in 1 hour per day: http://bloginfluent.fr/vdsb 1000 euros per month with YouTube: http://bloginfluent.fr/vdy High-conversion sales page: http://bloginfluent.fr/pdv Creation and sale of expensive products: http://bloginfluent.fr/vpc Sell by email in pure automation: http://bloginfluent.fr/em From 0 to 500 visitors per day on your site: http://bloginfluent.fr/0a500 Declare yourself without getting fleeced: http://bloginfluent.fr/dssfp Mega pack of our training courses above: http://bloginfluent.fr/pack Investing in cryptocurrencies: http://bloginfluent.fr/cm MINDSTEP (ultra premium program): http://bloginfluent.fr/mind ▬▬▬▬▬▬▬▬▬▬▬▬▬ LINKS ▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Accelerated programs: http://bloginfluent.fr/catalogue-prog... The best Business books: https://amzn.to/2GZyz2K ▬▬▬▬▬▬▬▬▬▬▬▬▬ TOOLS ▬▬▬▬▬▬▬▬▬▬▬▬ ???? The software I use for my online business ???? Create an e-commerce site with Shopify: https://goo.gl/863pvK Create sales funnels with Clickfunnels: http://goo.gl/LzyLF1 Capture emails with Getresponse: http://goo.gl/eLjEDT ▬▬▬▬▬▬▬▬▬▬▬▬▬ INFO ▬▬▬▬▬▬▬▬▬▬▬▬▬ #Real Estate #Loan #Capacity How to calculate your borrowing capacity? Why this video: In this video, we will explain the basics of the borrowing process and how to accurately determine your borrowing capacity. Advantages: Know what banks will lend you Know the property you can buy Mistakes that everyone makes: Not calculating your borrowing capacity before looking for a good deal Step 1: The financing plan Your loan will be established by taking into account: The purchase value of the property The amount of your personal contribution The amount to borrow The duration of the loan you plan to take out. A home loan lasts between 5 and 30 years most of the time When calculating your borrowing capacity, keep in mind that your debt ratio, including repayment, must not exceed 33% of your income. Debt ratio equals amount to be repaid per month / income Play on three variables to determine the plan that suits you: Your personal contribution The interest rate offered to you At the moment, the rates are very low The duration and amount of the monthly payment The ideal is to repay as quickly as possible So pay high monthly payments However, if your income does not follow Or if it is an investment strategy on several properties It may be more interesting to pay less and repay longer Step 2: The personal contribution. This is the available amount, from your own funds, it can be made up of: Your savings Livret A PEL/CEL Sustainable development booklet (LDD) Your life insurance A loan from another bank A loan from an individual The sale of any other property 1% housing if your company is subject to it Zero-rate loan (PTZ), which can be considered as a contribution if it applies to you By having a personal contribution of between 10 and 20% of the price of the property you wish to acquire, the banks will consider that your financial situation is suitable for a loan. Step 3: The amount to borrow The amount you are going to borrow is not only conditioned by the amount of the property you wish to buy. It is therefore necessary to define this amount beforehand. First of all the price of the property Additional costs dependent on the loan Death and disability insurance (on average 0.40% of the capital borrowed) The loan guarantee (mortgage or surety) The application fees. The renovation work that you plan to do in the new property The modification work, if applicable Any commissions if you have had help from professionals Moving costs It may be interesting to find out about subsidized loans: Conventional loans Social accession loans (PAS) Accessible as part of personalized housing assistance Some websites offer to simulate your credit, following all the information that we have just seen. Always try to speak by referring to the Global Effective Rate, which includes additional costs. Choice 2: Improve your borrowing capacity Your borrowing capacity depends on the amount of the monthly payments. You can therefore choose to: Increase the amount of the monthly payments that you agree to pay Extend the duration of your loan Add a contribution Indicative calculation: (your salary / 3) X number of years over which you would like to repay your credit