base incomebonuscommissionnon-base income佣金提成借贷能力奖金分红干货
除基本工资外,还有哪些收入是可以帮助我们增加贷款能力的?
平时在与客户沟通的过程中,经常会有客户问到,除了常规收入之外我还有别的收入,比如每周我工作时间都超过正常时间,所以有很多的加班,除此之外我还有提成、奖金、年底分红等等等等。那这些对我的贷款申请是否有帮助呢?具体银行又是如何识别和计算的呢?今天我们就来聊一聊收入中的额外收入是如何计算的。
2 Base income & Non-base income
首先我们要明确的是,银行通常会把咱们收入的部分分为两类:base income以及non-base income。Base income就是咱们通常说的基本工资,而刚才我们提到的那些诸如加班费、提成奖金等这些额外收入,就都包括在non-base income里。
Non-base income一般主要分以下几类:bonus(奖金红利),commission(佣金提成),overtime(加班工资),investment income(投资收入)等。
对于上述这些收入,每家银行的审核标准和要求都不同,具体如何计算还是取决于咱们要去的那家银行以及具体是选择什么贷款产品和种类。
General的来讲,相比于baseincome,non-base income有很多不确定性,所以绝大多数银行要求的证明材料在时间上会比较久,比如需要一到两个财年的证明材料来确认你可以连续获得相应的提成、奖金等等。同时,这部分的额度也不会像base income一样可以全额纳入收入计算,在大多数情况下,银行会take non-baseincome的80%的比例作为总收入的一部分来进行评估。
以bonus为例,大部分银行需要看两个财年的bonus,也就是需要我们连续两年都有bonus收入,满足这个条件后,bonus的金额才可以纳入总收入来计算。需要出示的材料可以是雇主信用来证明这部分收入,或者在payslip中对这部分bonus有所体现即可。
同时如果bonus每年数额不同的话,根据不同银行的政策,有的银行还会取较低值来进行计算。在确认好具体可纳入收入计算的bonus数额后,像之前提到的,很多银行还会按采纳的bonus额度的80%计入总收入。
为了帮助大家理解,这里举个例子:比如你本财年的收入是$70,000,除了基础工资之外,其中只包括了$5,000的bonus的话,那么按照今天所讲的,你的收入就是由$65,000的base income,加上$5,000的non-base income构成的。
同时根据bonus的情况不同,你最终的总收入又会分为以下几种情况(以下情况假设bonus均按80%计入总收入):
- 连续两年收到同等额度的bonus:如果你去年也收到了这笔等额的bonus,那你的总收入按照要求就是$65,000+$5,000×80%,即$69,000,这将是银行接纳的你的最终年收入;
- 连续两年收到不等额度的bonus:如果只有今年收到了$5,000的bonus,去年收到的是$3,000的bonus,同时所申请的银行有policy要求bonus取较低值计算。那么你的年收入就是按$65,000+$3,000×80%,即$67,400,这将是银行采纳的你的最终年收入;
- 没有连续的收到bonus:如果你只有今年收到了bonus,去年没有收到的话,那么很遗憾,在没有满足连续两年出现bonus的情况下,银行就只会按照$65,000作为你的年收入去审核。
通过上述的例子大家可以看到,同样是$70,000的年收入,在不同的情况下,银行最终接纳的数额还是有很大差异的,而收入又是影响咱们借贷能力的最主要因素之一,所以在申请贷款前我们一定要准确的评估好自己的收入水平。
当然,上述情况只是很简单的一个例子,实际现实中的情况可能会更复杂,同时因为选择的银行和产品的不同,最终的计算也会有所差异。想要了解更多关于收入的计算方法以及想要准确的评估自己的收入水平和借贷能力的小伙伴们,欢迎随时前来咨询~
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