보너스 수입과 융자
오늘은 홈론 신청을 할 때 보너스 수입이 어떻게 적용되는 지 알아보겠습니다.
케이스 스터디
존은 투자은행에서 일하고 있으며 연수입은 $500,000입니다.
그는 2년 전에 집을 구매하였고, 이집에 설정되어 있는 융자를 Refinance를 받으면서 Cash out을 하길 원합니다. 또한 Negative gearing을 위해 또 다른 투자용 부동산을 구매하길 원합니다. 그렇지 않으면 그는 세금으로 총 수입의 45%인 $180,000에 2% 메디케어를 지불해야 하며, 이는 소득의 거의 절반을 ATO 지불해야 한다는 것을 의미합니다. 하지만 문제는 그의 총 보너스 수입이 최고 $ 300,000인데 반해 기본급은 $ 100,000 정도 밖에 되지 않는다는 것입니다
이 경우 홈론을 받을 때 보너스 수입에 관한 은행의 정책이 매우 중요하게 됩니다.
아마도 보너스 수입의 80 %가 차용 능력으로 간주될 수 있다는 것을 이미 알고 있을 것 입니다. 대부분의 경우 기본급은 보너스 수입보다 큽니다. 그러나 일부 은행은 기본 연봉보다 높으면 보너스 수입을 인정하지 않습니다. Westpac 과 St George가 규정한 특정 요구 사항이 있습니다. 수입으로 인정해주는 bonus 수입은 기본급의 20%까지 입니다. 더 자세히 말하자면 기본급이 연간 10 만 달러라면 2 만 달러에 대한 보너스 만 인정해 줍니다. 이는 Bonus가 수입원 중 많은 부분을 차지하는 사람들이 있다는 것을 생각할 때 부당하다고 생각됩니다.
ANZ의 경우 가장 최근 회계년도의 YTD 보너스 수입에 대해서만 증명하면 되며, 이전 보너스 수입에 대한 내역은 필요 없습니다. 이 경우 회계년도의 마지막때 융자를 받는 것이 회계년도의 시작 때 융자를 받는 것보다 더 좋을 수 있습니다.
은행 요구 사항
보너스 수입을 지정하는 방법에 대한 다수 은행의 요구 사항은 무엇일까요?
첫째, 2 년 보너스 수입 명세서이며, 2년 중 낮은 수치를 고려하여 선택합니다. 이는 보너스 수입이 안정적이고 지속적인지 확인하기위한 것이며, 그렇지 않는 경우 은행은 Bonus 수입에 대해 인정하지 않습니다.
게다가, 보너스 수입을 증명하기 위해서는 최근 2 년 PAYG summary와 각 회계 연도의 마지막에 발행된 YTD가 표기된 Payslip을 준비해야 합니다.
John 씨의 사례에서 보듯이, 그는 3 년간 보너스 수입을 얻었지만 2016 년에 일을 시작할 때 차용 능력 평가를 통과하지 못했습니다. 이것은 보너스 수입이 약 150,000 달러 였기 때문이며, 2017 년에는 30 만 달러로 증가했습니다 2018 PAYG는 아직 사용할 수 없지만 John은 계약금을 지불해야합니다. 은행과 논의한 후, 그들은 John이 재정적으로 건전하다는 것을 고려하여 차용 능력을 계산하기 위해 연간 보너스 수입 YTD를 사용하는 것을 승인했습니다.
요약
때로는 이처럼 특별한 상황에서 홈론 승인을 받을 수 있도록 특별 승인을 받는 것이 필요합니다.
우리가 당신의 보너스 수입을 근거로 올바른 제품을 찾도록 도와 드리겠습니다.
질문이 있으시면 언제든지 전화주십시오.
VIP 핫라인 : 1300 880 123
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