Look at your debt ratio. If the debt ratio is not high, users can continue to apply for loans.

If the user has a strong repayment ability, although the debt is more than 300 thousand, but the debt ratio is not high, then the user can continue to apply for loans. However, the repayment ability of users is not strong, and the debt ratio of more than 300 thousand leads to a debt ratio greater than or equal to 50%. At this time, users who apply for loans will basically be rejected, because users' repayment ability is insufficient, and lending institutions are at greater risk of overdue loans to users.

Due to the different repayment abilities of different users, the debt of more than 300,000 yuan is not too big for some users.

Then, in most cases, after a person's debt of 300,000 yuan is approved, can he still go to the bank to apply for a loan?

First of all, the lender needs to provide relevant materials to prove the loan business, including working status, income level, credit record, debt ratio and so on. In most cases, it is less likely for a person to apply for a loan from a bank after being in debt of 300,000 yuan, because according to the comprehensive situation and the current domestic consumption level, if a person's monthly income belongs to the domestic average income level, then the debt ratio of 300,000 yuan is relatively high. However, most domestic banks will not lend to customers with high asset-liability ratio easily, unless the lender takes the form of mortgage loan, and then the bank decides the loan amount according to the value of the mortgage items of the lender.

Secondly, there may be many factors behind a person's debt of 300 thousand. If he comes into contact with P2P online loans, cash loans and private loans, he falls into a loan with usury and routine loans, and finally owes 300,000 yuan in the form of usury or loan support, it may have a certain impact on personal credit reporting. Under such special circumstances, the possibility that the bank can pass the loan approval is relatively small, because it is impossible to refuse the loan to the bank after the personal credit information is stained.

However, for those who run enterprises or have houses and cars, the debt of 300,000 yuan may be nothing, and the asset-liability ratio is relatively low. Therefore, such people are more likely to apply for a loan from a bank after the debt is 300,000 yuan, because when a person's total assets are large and the total liabilities are small, the natural asset-liability ratio is relatively low, and any domestic bank is willing to lend, because the group with low asset-liability ratio is more able to repay the loan.

Furthermore, as far as the Agricultural Bank is concerned, the requirements for lenders in all aspects are relatively high. For example, the borrower must have a permanent or effective residence status in the town; There must also be a stable occupation and income source, and the lender must also have good credit and repayment ability. According to the loan interest rate published by Agricultural Bank of China, the loan interest rate from 6 months to 1 year (including 1 year) is 4.35%; 1 to 5 years (including 5 years) is 4.75%, and the loan interest rate for more than 5 years is 4.90%. Of course, when banks handle loan business for customers with high debt ratio, they generally will not pass the examination and approval.

Generally speaking, whether a person can go to the bank to apply for a loan after a debt of 300 thousand is actually related to the debtor's income level and total assets. Usually, when the income level is high and the total assets are large, even if the debt is 300 thousand, you can apply for a loan from the bank and pass the examination and approval. Conversely, when a person's income level is low, total assets are low, and the debt ratio is high, there is no doubt that it is basically possible to apply for a loan in a bank after the debt is 300,000.

The monthly income is 8,000, showing a debt of 300,000.

A monthly income of 8,000 means that a mortgage with a debt of 300,000 can be approved. Whether to approve or not is linked to your repayment ability. Divide the debt of 300,000 yuan equally every month, and then calculate the overall income and expenditure. Not overdue, the monthly income is 4 times higher than the mortgage. You can consult the bank for details.

Can I get a loan to buy a car with a debt of 30w? Some cases can!

When you apply for a loan, the lending institution values the income and credit of the applicant most. Many people's income and credit are good, but it happened that the loan application was rejected by the lending institutions, largely because of excessive personal debt. So, can I borrow money to buy a car with a debt of 30w?

Can I get a loan to buy a car with a debt of 30w?

For the average person, the debt of 30w is not a small amount, which can be regarded as a high debt ratio. If you apply for a loan from a bank or other financial company with a debt of 30w, the possibility of the loan application being approved will be relatively small.

Because financial institutions will attach great importance to the lender's income and loan records when approving loans, the former represents the lender's repayment ability, and the latter can better represent the lender's debt ratio and repayment willingness. If the lender has no bad personal credit record, it is also possible to refuse the loan if the lender's debt ratio is too high.

If you want to successfully apply for a car loan with a debt of 30w, you can consider making a mortgage loan. If the lender has assets such as large wealth management products and self-occupied housing recognized by the bank, it can apply for mortgage loans in the bank, which is easier to pass.

You can also choose to find a person with good credit and no bad debts to guarantee yourself, and it is also possible to apply for a secured loan in a bank.

On the other hand, although the lender is in debt of 30w, but the total realizable assets in the lender's name are above 30w, then 30w is not excessive debt for the lender, which is a normal debt situation. If there is no high debt, it is possible to apply for a loan from the bank without overdue.

The above is the answer to "Can I borrow money to buy a car with a debt of 30w?" I hope I can help you!

Can a husband and wife get a mortgage with a debt of 300,000? Maybe you can!

In real life, the first valuable thing that many young couples buy after marriage is the house. For China people, buying a house means buying a house, and having a house makes them feel safe. A friend asked, can a husband and wife get a mortgage with a debt of 300 thousand? Maybe it's possible!

Can a husband and wife get a mortgage with a debt of 300,000?

As many people know, with the introduction of the new version of credit information, banks will check the credit information of both husband and wife when they meet married lenders when approving mortgage applications.

Even if the main lender has no high debt record on his personal credit report, the bank will refuse his mortgage application as long as his spouse has a certain debt record on his credit report. Because the debts of both husband and wife belong to the same family debt.

But this does not mean that if one of the spouses has a debt of about 300,000, the bank will definitely refuse the loan application. In fact, banks will consider the standard of debt ratio when approving the lender's mortgage application. If the lender's debt ratio is not high, even if it owes 30w, it will not affect the result of mortgage approval.

Suppose a couple goes to the bank to apply for a mortgage, the husband's annual income can reach about 100w, and the wife's annual income is about 20 W, so the debt of 30w is not too much for a small family. Even if you get a mortgage, the debt ratio of the family will not exceed 50%.

Generally speaking, whether the couple's debts will affect the mortgage approval mainly depends on whether the family income can support the monthly payment. If it is more than enough, it is possible to apply for a mortgage even if the debt is 30w.

The above is "Can a husband and wife get a mortgage with a debt of 300,000 yuan?" I hope I can help you!