An annual bonus that has not arrived is not the same as cash ready for a down payment. In Zi Wei Dou Shu, the Wealth Palace frames income and cash flow while the Property Palace frames housing and assets. A favorable sign in either does not approve a mortgage.
Compare two buyers
An engineer waiting on a performance bonus and a teacher with a maturing deposit face different timing risks. Add tax, repairs, monthly payments and an emergency fund to the calculation. Keep variable income separate from confirmed cash.
Reading order
Review Wealth and Property, then the Career Palace that supports income, and finally the current cycle. Check bank and contract terms before making a housing decision.