銀行如何評估您的貸款資格與最高借貸額度？
金融機構審核貸款申請時，核心指標為債務收入比率 (Debt-to-Income Ratio, DTI)。一般而言，銀行會將每月總供款上限控制在月收入的 40% 至 50% 以內。此外，穩定的工作年資與良好信用紀錄能提高審批機率並爭取更佳利率。
How Banks Calculate Your Borrowing Capacity. Lenders evaluate your loan eligibility primarily based on your Debt-to-Income (DTI) ratio, monthly obligations, and employment stability. Use this calculator to estimate how much you can borrow safely for home or personal loans.