For some ordinary people who don't have much property, if they want to misappropriate hundreds of thousands of yuan, they can only apply for a loan from the bank. However, the threshold for banks to apply for loans is relatively high, and the repayment ability of borrowers is also very important. Can ordinary people borrow 200 thousand? Yes, yes, but the method is very limited!

Can ordinary people borrow 200 thousand?

Ordinary people want to borrow 200,000 yuan, either to improve their customer level in the bank or to apply for a mortgage loan from the bank.

1, improve personal level

The bank will divide each user into different grades. The higher the level of users, the higher the bank's trust in users, and the more loan funds it can issue.

Users can find ways to buy some funds, wealth management products or insurance in the bank regularly. For banks, users who can regularly withdraw some funds for investment or financial management generally have stable monthly income and more spare money on hand, so the loan amount they can apply for will be relatively large.

Users can also choose to save periodically. When the savings amount reaches a certain level, you can also apply for a loan amount of 200,000 yuan.

2. Mortgage loan

If there are assets that can be mortgaged under the user name, it is easier to apply for a loan amount of 200,000. It should be noted that the amount of mortgage loan mainly depends on the assessed value of collateral.

For example, real estate, housing mobility is strong, as long as it is not the old and the young and the second mortgage, the quota of 200,000 is still relatively easy. If you take your own car as a mortgage, the loan amount is generally 70%-80% of the valuation of the car itself, and the professional mortgage car loan company can get up to 90%. I want to borrow 200 thousand, and the car is estimated to be around 300 thousand. The higher the price, the better.

The above is "Can ordinary people borrow 200,000?" I hope I can help you!