投稿者：I_Love_Citibank 最近買了個房子，本來以為好不容易在火熱的市場中搶到了房，這事兒基本就算搞定了，就耐心等closing就完了。萬萬沒想到，我這房貸被 Citi 搞出了無數幺蛾子，於是寫此文記錄一下這次抓狂的經歷，希望也能給後人一些參考。 2月23日 2月十幾號開始我就在搞 pre-approval 了。因為是 F1 OPT 的身份，能辦房貸的選擇非常少。我找了 Citi 和 … Read more
買房買車辦理貸款時，大家肯定想知道自己究竟能貸到多少錢。比如經常聽到的傳聞：買房可以買自己年收入5倍的房子，這是一種很粗略的估計。在實際評估貸款能力時，銀行會通過計算你的債務收入比 (Debt to Income Ratio) 來評估你的貸款能力。這篇文章就對此做個簡單的介紹。 1. Debt to Income Ratio 債務收入比 Debt to Income Ratio (DTI) 是常用… Read more
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