Factors That Influence Your Borrowing Capacity as an Employee

YouTube video

It’s hard to know how much you can borrow to buy a property.

Without knowing your borrowing capacity, it’s easy to make an expensive mistake and purchase a property that doesn’t fit within your budget.

The burning question on every new investor’s mind is, “how much will the bank lend me?” Well, the short answer is: it depends.

Each bank has a different calculation method to work out your borrowing capacity.

And it’s super important to be aware of this fact because it can mean the difference between buying a mediocre property and a high performing property.

In this video, I break down the different factors that affect your borrowing capacity as a salaried employee with an example scenario to make it easy for your to understand.

If that’s something you’re interested in, make sure to watch the video until the end!

00:00 – Overview
01:25 – 3 Reasons Why Banks Offer Different Borrowing Capacity
03:25 – How Do Banks Consider Property Investors
04:33 – Final Thoughts

If you have more questions about your borrowing capacity, reach out to us or check out our FAQs page:

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DISCLAIMER: Although we have made every effort to ensure information is accurate, it is still general in nature, and should not be taken as financial advice. Best strategies always depend on one’s unique circumstances. We recommend you engage with a professional.


Disclaimer: This content including advice provides generic information only. It is in no way a substitute for a qualified medical opinion. Always consult a specialist or your own doctor for more information.

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One Comment

  1. Hi Aaron,
    How can you improve your borrowing capacity? Or would this also depend on the lender as well due to their different criteria of assessing?

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