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The ability to pay is the ability to continue the promised payment.
It’s not just whether you have money in your current bank account.
It’s a bit more現実 to sell financial institutions and card companies.
- Income is stable
- Is the monthly spend too heavy?
- Is there a lot of debt already?
- Is there any savings?
- Can I continue to pay even if my income decreases?
In other words, the ability to pay is "co ity" rather than "balance".
you are looking for a loan, a credit card, a rent, a installment payment, or an investment decision, we will do it in a very wide situation.
In this article, we will organize the meaning of the ability to pay, the points to be judged, how to use it with household and investment.
What is the ability to pay?
The ability to pay is the power to keep the final payment on time.
For example, you can see the following payment:
- Credit card
- Home
- Automotive Loans
- Rent
- Payment
- Mobile phone installment
- Repayment of business funds
That’s not just what you can pay now.
If you are a person who can pay only once, and you can pay it every month, you can see the credit.
It is important for financial institutions to recover the money you borrowed to the end. So, you can see not only the current savings but also the stability of your income and the monthly margin.
"I have money" and "I have the ability to pay" are different
It is easy to confuse here.
T who have a temporary 1 million yen are not always able to pay.
On the other hand, even if you don’t have a lot of money, there is a monthly stable income, low end res, and people with less borrowing are likely to see the ability to pay.
| Contact | How to pay |
|---|---|
| There is a large balance temporarily | It is difficult to see if the co ation income is weak |
| Monthly stable income | Strong for continuous payments |
| High annual income but high enditure | Small |
| Low borrowings and savings | Easy to withstand end res |
In other words, the ability to pay is not determined by the annual income.
You can see the contents of the household.
Key elements determined
1. Revenue
The most basic thing is income.
Salary, business income,, sub-business income, etc.
However, it is not only the amount.
Co ity is confirmed.
Even with the same annual income of 5 million yen, it depends on whether the monthly stable salary income or whether the single sales was large.
2.
Even if the income is high, if the enditure is large, the payment margin is small.
The following fixed costs are easy to review.
- Rent
- Home
- Car
- Insurance
- Contact Us
- サブスク
- Education
A household with a high fixed cost will be bitter if the income is slightly reduced.
If you want to increase your ability to pay, you may want to see a fixed fee earlier than increasing your income.
3. Loan status
If you already have a lot of debt, you can see a small amount of new loans and installments.
Repayment burden rate is especially easy to see.
Annual repayment ÷ Annual incomeFor example, if the annual repayment amount is 1 million yen, the repayment burden is 20%.
The higher the ratio, the more you can use for living expenses and生活。enditure.
In m gage, the examination criteria differ for each financial institution. Although it is not determined only by the repayment burden rate, it can be used quite as an indicator to check your own household scale.
4. Storage
Savings is the reserve tank of the ability to pay.
Unexpected expenses such as sickness, change of job, income reduction, household appliance failure, coronary feast, etc. occur normally.
If there is no savings, it will be easier to rely on card payments and borrowings with a little trouble.
As a guide, there is a way of thinking that you have three to six months of living expenses as a life defense fund.
This is a separate money from investment funds.
Relationship with Loan Examination
The ability to pay for m gage, card loans and credit card examinations is important.
Financial institutions mainly see the following:
- Annual income
- Year
- Employment Type
- Balance
- Repayment history
- Other companies
- Family
- Repayment burden
There is a common misunderstanding here.
"If the annual salary is high, the loan will go."
This is only half right.
Even if the annual income is high, if there is already a lot of borrowings, there is a leftover, there is a late payment, and there is a heavy fixed fee, you may see a lower payment capacity.
On the other hand, even if the annual income is not high, there is less borrowing, the enditure is stable, and people with savings are seen tightly.
The ability to pay for investment is important
The ability to pay is not just a loan.
It is also quite useful for investment.
For example, if you turn your investment into a living expenses, you will be troubled when the market falls.
You must sell investment trusts and shares that have been planned for a long period of time for living expenses. This is pretty bitter.
In investment, the following order is的:
- Get a monthly fee
- Ensuring Living Defense Funds
- 整理 high interest rates
- Invest in margin
The best thing to avoid is to sell at home instead of market.
If the ability to pay is weak, the power to bear the is weak.
How to Increase Payment Capabilities
Reduce fixed costs
The first thing to see is the fixed cost.
The fixed fee will be charged once a month.
- See rent
- Lower communication costs
- 保険 insurance
- ing un subsks
- See the maintenance cost of the car
Great savings often come out of reviewing fixed costs than to endure every day.
Reの high interest rates
High interest rate borrowings such as revo payments, card loans, and consumer finance are easy to compensate the household.
There are many cases where it is better to organize your investment.
It is quite a bit bad to invest in the yearly interest rate of 15% while borrowing about 15% of the yearly interest.
Increase revenue
After reviewing the enditure, increasing income will also improve your ability to pay.
- Business
- Recruit
- Contact Us
- 昇給交渉
- Business income
However, even if the income increases, the、enditure is not meaningful.
The ability to pay is not as strong as you want.
Common misunderstandings
| misunderstanding | In fact |
|---|---|
| Only annual income | View end res, loans, savings and credit history |
| It is okay if you have income even with zero savings | Income reduction and収入 |
| Reliable with investment assets | It is difficult to sell when it crashes |
| Safety through loan screening | It is not easy to go to the examination and the household |
| No problem with bonus payments | I'm suffering when a bonus decreases |
In particular, it is dangerous to go through the examination.
The examination of financial institutions and the availability of their own life are not the same.
It is safe to think with the amount that can be returned without it.
Checklist to check yourself
If you want to check your ability, write the following items:
| 項目 | Check |
|---|---|
| How much is it? | |
| Fixed cost | How much money you spend every month |
| Changes | Meals, daily necessities, social expenses, etc. |
| Repayment | Loans,ボs, and installments |
| Storage | Is there a monthly fee? |
| Investment | you’re not compromising your living expenses |
The first number to see is the monthly free money.
Revenue - Fixed cost - Variable cost - RepaymentIf you don’t leave it almost every month, you don’t have to pay.
Before thinking about investments and large loans, it is better to make a household margin.
The ability to pay is the ability to continue to pay.
The following points are:
- View coのal income andのendのres as well as current balances Even if the annual income is high, the margin is small if there is a fixed fee or borrowing
- Repayment burden rate is easy to use for household check Savings is a safety device for end res
- Ensuring life defense funds before investment
- I think with the amount that can be returned, not the amount that can be borrowed
First of all, you can write how much you can use every month.
If you understand it, the decision of loans, investments and savings will be quite現実.