How much should earn the borrower?

Mortgage - this is certainly a way out of difficult 'housing situation, but very expensive. In this case, not all can expect to receive it, because bankers are very demanding on the borrower's income. What you need to have the same income to the borrower to the bank without any problems gave a large sum of money for housing? Consider several options. Let's try to settle the purchase a two-bedroom apartments of 60 sqm. m in Moscow and Yaroslavl, taken for 10 years at 14% per annum with an initial payment of 20%. In comparison, on the outskirts of the capital of Russia bedroom apartment actually buy for 6,2 million rubles. Calculate the cost of the monthly payment on the mortgage calculator. It turns out that the borrower must pay the bank every month to 84,465 rubles. One bedroom apartment in Jaroslaw cost almost two times cheaper than Moscow - only 3.2 million rubles. For a given amount of the loan the bank would expect from a borrower's 39,748 rubles. per month. Credit happiness When assessing the borrower's banks adhere to the following criteria - give credit only to those whose monthly payment did not exceed 30-50% of monthly income. It takes into account the number of borrowers (perhaps one or a few), as well as the number of dependents (children). Based on this parameter, in order to become the owner of the credit for a two-room apartment in Moscow on the borrower's income must not exceed 170 thousand rubles. And in Jaroslaw 80 thousand rubles. per month. These figures will fluctuate up or down with increasing the loan amount, cost and time benefits.