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How to recover a house with a burden (a lot, a lot, a lot!)

Hello, today we would like to share our experience and hope that our review will be helpful to people who want to have a home like ours. 😅

We started the decision to file a home loan with the debt we and our girlfriend owed!! And yes, a hundred thousand major debts, really serious * and for personal reasons and necessities *

We had the idea that since we were in debt, we were going to be again, and we had our own house, what's wrong?

We thought, but it's gonna escalate if the same debt is there and create a new one...

Finally, we decided to combine the debt into one debt, the house debt, to end it.

📌 We will collect money to close some debt (in our case, it has been determined that we will ask the loan to help us solve the case, we need to know how much salary base we can borrow in case we have no other burden or debt), for example, let's say we have a salary base of 10,000, we may recover 1 million, but we have a debt of 8,000, which is that if we file a loan, it will not pass because the burden is too high, but ours is to have a sum of money first, so that we can talk to the person that we are ready to close the burden. In the criteria that banks need.

📌, when we have the money ready to clear the debt to the bank, we have to continue to calculate. If we have to repay the house, this limit per month, we will be really ok, right? (Personally, we try to live a life that has to repay the house, we see that we can go on)

📌, when the calculations, everything comes to the loan limit.

We asked for an excess loan of about 10% to close all the debts, but others may have overborrowed to decorate the house 😂 (which we want to do here, but we have debts, and we want to have a house, it's really necessary).

In the last 📌, we try to file a loan, and the result is approval > giving us more debt, but less debt per month than we had to pay the same debt we had, only for another 30 years.

* And in our case, we have almost ten credit card debts with our girlfriend, one car debt. How can we recover? Hahahahaha

* * But in the past, we asked the bank why, and the answer was that it came from both of our scores that, although owed, never paid, never paid late, never had a bad debt, always paid directly + had the strength to raise money to close or clear the burden to the bank.

* * * With another thing is a steady job (like ours is a joint loan, girlfriend has been working for over 3 years, and we have recently changed jobs and are on probation but are close to probation and we have been working the same job for almost 3 years / and the company that has both looked stable, reliable and paid direct taxes all the time), which gives us a reason to recover the house through the debt we owe 😅

= Finally, if we are going to borrow a house, we have to know the strength that we can really do, know how much revenue we can borrow, it will make us choose a house that we can borrow and pass, but the credit must also be good without a bad debt history, not a debt, but accrued, not paid directly, paid slowly, it may not go on (or not, haha).

🧡 try to find a house with the right price for us. I think if the credit isn't really broken, try to do it like we might be able to recover.

# House loan, human version, salary # First Home Recovery # Home loan with girlfriend # Home Recovery # House chooses us

2025/9/20 Edited to

... Read moreก่อนยื่นกู้ เราติดคำถามเดียวเหมือนกันคือ “ผ่อนบ้าน 1 ล้าน เดือนละเท่าไหร่” เพราะถ้าตอบไม่ได้ ก็จะเลือกบ้าน/วงเงินแบบเดาสุ่ม แล้วพอมีภาระเดิมอยู่มันพังง่ายมาก เราเลยทำชีทคำนวณแบบง่ายๆ ไว้เช็กกำลังตัวเองก่อนเดินดูโครงการ (เราไปวนดูทั้งบ้านใหม่-มือสองเกือบปีเหมือนกัน) วิธีคำนวณแบบเร็ว (ประมาณการ) - ใช้สูตรค่างวดสินเชื่อบ้านแบบคร่าวๆ: ค่างวดต่อเดือน ≈ (เงินกู้ x อัตราค่างวดต่อ 1 ล้าน) - “อัตราค่างวดต่อ 1 ล้าน” จะเปลี่ยนตามดอกเบี้ยและจำนวนปีผ่อน ตัวเลขประมาณการที่คนถามกันบ่อย (ต่อเงินกู้ 1,000,000 บาท) - ผ่อน 30 ปี - ดอกเบี้ย 3%: ~4,200 บาท/เดือน - ดอกเบี้ย 4%: ~4,770 บาท/เดือน - ดอกเบี้ย 5%: ~5,370 บาท/เดือน - ดอกเบี้ย 6%: ~6,000 บาท/เดือน - ผ่อน 25 ปี - ดอกเบี้ย 4%: ~5,280 บาท/เดือน - ดอกเบี้ย 6%: ~6,440 บาท/เดือน - ผ่อน 20 ปี - ดอกเบี้ย 4%: ~6,060 บาท/เดือน - ดอกเบี้ย 6%: ~7,160 บาท/เดือน สรุปให้จำง่ายๆ แบบมนุษย์เงินเดือน - ถ้าผ่อน 30 ปี ค่างวดจะอยู่ราวๆ 4,200–6,000 บาทต่อ “1 ล้าน” (ขึ้นกับดอกเบี้ย) - ดังนั้น บ้าน 2 ล้าน ก็เอาตัวเลขนี้คูณ 2 (เช่น 4%/30 ปี ≈ 4,770 x 2 = 9,540 บาท/เดือน) สิ่งที่หลายคนลืมตอนคำนวณ “ผ่อนไหว” 1) ดอกเบี้ยโปรปีแรกไม่ได้อยู่กับเราตลอด: โปร 1–3 ปีแรกมักถูกกว่าปีถัดไป แนะนำลองคำนวณ 2 ช่วง คือ “ช่วงโปร” และ “หลังโปร” เผื่อไว้ก่อน 2) ค่าใช้จ่ายบ้านที่ไม่ใช่ค่างวด: ค่าส่วนกลาง, ค่าซ่อม, ประกันอัคคีภัย/ประกัน MRTA (แล้วแต่ธนาคาร), ค่าน้ำไฟที่เพิ่มขึ้น 3) ทำเล/ระยะทางจากที่ทำงาน: เราเคยจดชื่อโครงการกับระยะทางไว้เลย เพราะค่าน้ำมัน/ค่าเดินทางคือค่าใช้จ่ายแฝงที่ทำให้การผ่อนตึงได้ ทริคสำหรับคน “มีภาระ” แต่อยากกู้ให้ผ่าน (จากที่เราลองมา) - เช็กภาระต่อเดือนทั้งหมดก่อน (บัตรเครดิต/รถ/สินเชื่ออื่น) แล้วตั้งเป้าว่าจะเคลียร์อะไรให้ยอดผ่อนรวมลดลง - ถ้าจะ “กู้เผื่อ” เพื่อปิดหนี้ ต้องคุยให้ชัดกับเจ้าหน้าที่ว่าทำได้ในรูปแบบไหน และเรามีเงินก้อน/แผนปิดหนี้จริง - เครดิตสำคัญมาก: ถ้ามีหนี้แต่จ่ายตรง ไม่เคยค้าง ไม่เคยเป็นหนี้เสีย โอกาสยังมี - ความมั่นคงงาน/เอกสารรายได้: เตรียมสลิปเงินเดือน/หนังสือรับรอง/Statement ให้เรียบร้อย และเลี่ยงสร้างหนี้ใหม่ช่วงยื่นกู้ ถ้าอยากเริ่มแบบไม่ปวดหัว ให้ตอบ 2 ข้อนี้ก่อน: “ผ่อนต่อ 1 ล้านไหวที่เท่าไหร่” และ “ถ้าดอกเบี้ยขึ้นหลังโปร เรายังไหวไหม” พอได้คำตอบแล้วค่อยเลือกบ้าน/เลือกโครงการ จะลดโอกาสยื่นแล้วไม่ผ่าน (หรือผ่านแต่ผ่อนแล้วเครียด) ได้เยอะเลยค่ะ

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