军人住房津贴，又称BAH，是军方那条漂亮的，免税的路线’LES使住房价格更便宜。这种收入形式对帮助军事购买者有资格获得VA贷款大有帮助。每个服务成员都知道，金额根据地区，职级和家属而异，但许多军事买家可能不了解的是如何使用BAH来获得VA贷款的资格。我们不仅会对此进行解释，而且还会向您展示使用更高版本的技巧“grossed up”收入用于购房。
我的VA贷款付款受我的军事住房津贴限制吗？
出于VA贷款资格目的，买方’的贷款付款不受住房补贴的限制。假设服务成员符合VA资格，则房屋付款可能会超出BAH。历史上，军人住房补贴覆盖当地市场的95％以上’的租金。虽然不要求保持适用于个人的住房津贴，但这是值得考虑的。政府已经对每个市场进行了深入研究，以确定平均住房成本，因此，购买者在寻求购买或租赁时应使用此研究。
军方考虑对住房补贴的年度生活费用进行调整，以跟上住房费用的增长，因此将这一收入设置在这里是有原因的。即使是军事买家’的VA贷款付款可能会超出其BAH，最终是买方’决定留在他/她的家里’s budget.
VA贷款资格因素
- 剩余收益
- 房屋比例
- 总债务与收入之比
- 信用分数
- 资产
住房补贴不限制VA贷款的批准，但这是上述几个因素的一部分。尽管许多人认为债务收入比是抵押资格的要求，但VA贷款强调剩余收益。剩余收入是通过减去买方来确定的’总收入中的支出。该差额被视为剩余收益。费用包括每月债务支付、,养费或子女抚养费，所得税，公用事业费用的计算（平方英尺x .14）和育儿费用。稍后，我们将讨论应税收入的总和。但是，这在计算剩余收入时是不允许的。
住房比率和总债务与收入比率仍然很重要。住房比例是家庭的主题’s total monthly payment including principal, interest, taxes, and insurance divided by the 毛 monthly income. Although there is not usually a maximum housing ratio, the percentage does play a role in an approval. Total debt to income ratio is all debts including the new mortgage divided by 毛 monthly income. It is possible for a military buyer to qualify with up to a 55% 要么 even higher debt to income ratio.
其他VA贷款因素
任何抵押贷款的基础都是信用记录。信用记录在购买者有资格获得多少以及预测购买者机会中发挥作用’准时付款的能力。例如，较高的信用评分可以允许具有较高的债务收入比或较低的剩余收入的VA贷款批准。因此，请注意您的信用评分，以提高批准的几率。
尽管VA贷款通常是不花钱购买的贷款，但资产在VA批准中可能起着重要作用。即使买家没有带来资金，预计仅两个月的银行抵押贷款付款也可以帮助买家获得更高金额的批准。
军人住房津贴is Nontaxable
在抵押贷款中，有一个术语称为“grossing up.” “Grossing up”当应税收入增加以帮助借款人更好地获得抵押资格时发生。那么，为什么允许这样做？简而言之，放贷人通常根据每月的债务偿还额与每月的总收入进行比较来确定借款人的资格。注意这个词“gross”这是指所得税之前的收入。好吧，住房补贴通常不需要缴纳所得税。因此，它被视为净数字。如果住房补贴是每月1200美元，那就是服务成员获得的金额-不扣税。
在这些情况下，允许VA抵押贷款人“gross up” this 免税收入. Use a higher income figure to come up with a more apples to apples comparison when it comes to calculating debt to income ratio. When using this option, the buyer is qualified on an estimated 毛 income. This method goes a long way in helping military buyers qualify for buying a home.
军人住房津贴Gross-Up Percentage
Each loan type has their own guideline for 毛ing up 免税收入 such as a housing allowance. VA loans allow a 25% 毛-up in this area. For easy math, every $1,000 would mean an extra income of $250 used toward debt to income ratio.
住房补贴毛额增加示例
对于下面的示例，让’s assume two separate buyers in the Navy living in zip code 23454 (Virginia Beach, VA). One buyer has dependents, and the other does not. In these cases, the 2019 军人住房津贴s are $1,878 per month with dependents and $1,458 without. Remember, these are net because there are no income taxes factored out of these figures. Now, lets 毛 them up by 25%. Notice how much difference there is in the “total income”每个方案的列。额外的$ 364或$ 469可以使您获得VA贷款资格！
弗吉尼亚州诺福克/朴次茅斯的基本住房补贴
| 邮政编码 | 家属 | 呸 | 毛增长％ | 总毛额 | 总收入 |
| 23454 | 用 | $1,878 | 25% | $ 469.50 | $ 2,347.50 |
| 23454 | 不带 | $1,458 | 25% | $ 364.50 | $ 1,822.50 |
Super Secret 军人住房津贴Qualification Tool!
Okay, this is not a secret, but it is a VA lending tool which escapes many lenders. As mentioned above, it is standard to 毛 up nontaxable housing allowance by 25%. 什么 if that is not enough? Sometimes, a little extra income is necessary for loan approval. That’s where this little-known tool comes into play. It is called a dollar for dollar 毛-up of 免税收入. In many cases, the allowed 毛-up exceeds 25%! In simple terms, it means using a higher income for VA loan qualification and a buyer may qualify for a higher price and payment.
让’s say a buyer is not pre-approved for a certain price because the debt to income ratio exceeds the limit by a little bit. This potential extra 毛ed up percentage could be the difference in denial and VA loan approval. Want to see how this helps? Contact one of our VA loan experts now.
我可以增加其他收入类型吗？
Absolutely! Besides a 军人住房津贴, VA loans will 毛 up other non-taxable forms of income. Thus, the same rules we have mentioned above apply to other 免税收入, which means 毛ing up by 25% 要么 even more when using the dollar for dollar 毛ing up tool.
免税收入类型
- 社会保障收入
- 免税养老金
- 残疾收入
- 子女抚养费
- 田园住房补贴
The income types above may be 毛ed-up as long 像他们 不征税。请记住，社会保障收入有时应课税。
附加的VA贷款工具
赚钱 income is not the only tool offered to help buyers qualify for a VA loan. VA loans have flexible guidelines when it comes to the following:
要了解有关它们的更多信息，请单击上面列出的链接。