If you paid alimony to more children, then subtract 30% in accordance with the laws of accrued alimony. If you tell the bank that officially, you do not pay anything and will not pay, as there is an agreement with the former half, I think it will not help. Unofficially, you can pay as much as necessary, but the bank will take into account the possible maintenance in accordance with the law. Credit long relationship between ex-spouses often go bad, especially when it comes to money and children, so the bank adheres to the law. Business costs. According to the Bank classifies the expenditure taxes, rent, property maintenance, utilities, staff salaries, travel expenses and some others, depending on the specifics of the business. Bank interest your net income after all necessary deductions. Costs rental property.

This type of spending does not always apply. Let’s say you rent an apartment and want to take a loan to buy their homes. The Bank does not take into account the current rent, as After buying an apartment, you are likely all, will move into it. But this is the case, if you purchase housing on the secondary market. If you buy an apartment in the building, then putting the house up and taking it into operation will be quite a long time, and you all time will rent an apartment.

In this case, the bank will deduct from your income the amount of lease payments. Training costs. If you or your family members are trained in the paid schools (this may be schools, colleges, secondary or universities), the training costs will be deducted from your family budget. Taxes. With all of your official bank will deduct the amount of income taxes paid, and will operate on the sum of income after taxes. And all of the previously mentioned costs will be deducted from the income received after tax. Thus, putting all your income and subtract all liabilities, we obtain the sum of net income, based on the which the bank will calculate the value of a possible loan. Loan calculators offered by banks and posted on websites can not always correctly calculate the actual size of the loan because of the fact that It does not take into account the mandatory expenses. It occasionally leads to discontent customers who take offense at the bank when they see that they have approved the amount is much smaller than they are currently calculated on a calculator. The reason it is in this. Calculators believe correctly, they only need to make the correct information.