- The Regions are considering buying a house and getting a loan. Their adjusted annual gross income is $200,000. They want to get a $685,000 house with a 2.5% interest rate and 15 year loan and will pay 25% of the house for their down payment. Annual property tax $8700, and annual homeowner's insurance $1207. They have two car payments of $510 and $400 per month and have an average credit card bill of $710 per month. Will the bank lend them money to purchase their home?​