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Yes that is wrong - but and it is a big but given how dumb so many people are in life these days but if you can't do even basic sums to work out what you think you comfortably can afford then you shouldn't be getting a loan anyway. Simple matter of fact is you should know what your interest rate is when you are going to get your loan and what your repayment will be so you have to ask yourself I earn $X, my payment is $Y that will leave me with $Z dollars to pay everything else - am I comfortable with that? Yes or No, will I be able to afford things if interest rates go up? Really is simple but so many incompetents out there willing to blame the system/others - the ultimate blame regardless is on the borrower in this case.