The income level determines the loan amount. Take the monthly income of 20,000 as an example, which is generally 12-24 times, that is, 240,000-480,000. Having a car and a house can provide proof of financial resources, which can generally increase by 500-65438+10,000. But the upper limit of general credit products is 300,000, so you can borrow 300,000.

The proportion of monthly mortgage payment determines the loan amount. For example, the monthly payment of 5,000 yuan is generally 18-36 times, and the highest is 180,000. The monthly amount of car loan will be lower because of the low auto insurance rate.

The loan amount is determined according to the annual premium of the policy. Take the annual premium of 5,000 as an example, depending on the cash value of the policy. The maximum loan amount provided by general insurance companies is 70%-80% of the cash value of customers' policies, and the amount given by different lending institutions is also different.

Small and medium-sized enterprises generally decide the loan amount according to the annual tax payment, annual bill or annual running water. Generally speaking, the annual tax payment of an enterprise is 6,543.8+0,000 to 50,000, the loanable amount is 800,000 to 6,543.8+0,000, the loanable amount is 6,543.8+0,000 to 2 million, and the annual tax payment of an enterprise is 6,543.8+0,000 to 200,000. Loan requirements: (/kloc- Loan proportion of enterprise bill amount: if the bill issued by the enterprise exceeds 1 10,000, the amount will be given according to the proportion of 8- 10% of the bill amount, and the enterprise should accumulate at least 13 months of bill records; Different banks have different loan quotas. If the enterprise has no debt, the net income of the enterprise is calculated according to the annual flow of the enterprise, and then the credit line is approved according to the proportion of 20%-25%.

Coordinates, Beijing Financial Street-Tianyi Rong Zhi Letter.