22/11/2023
Is it a lot or a little? How do you estimate? Evaluate subjectively. There is no doubt that giving a third of your income to the bank is at least uncomfortable. You probably noticed in our example that the amount of payments to the bank in the total amount of income is quite high (55 000 / 80 000). Practically, the bank takes 70% of your income, so there is almost no "live" money left. Here we come to the idea that both the structure of the loan (interest - principal) and the size of the monthly bank payments are equally important. There must always be a safety margin. A margin of safety is necessary for growth and development.