If the debt ratio does not reach or exceed 50%, you can borrow 654.38+ million.

The user has a debt of 6,543,800 yuan+0.2 million yuan. As long as the personal debt ratio does not reach or exceed 50% and meets the loan conditions, users can continue to apply for a loan of 6,543,800 yuan+0.2 million yuan. In fact, if the previous debt has affected this loan, the lending institution will inform the user to pay off the previous debt in advance. Lending institutions do not require users to pay off their previous debts in advance, and users can apply for loans normally.

Agricultural Bank of China has a loan of 65438+100000. Can it be loaned if the debt exceeds100000?

I can't.

1. If the user's debt ratio is higher than 50% of the running water, the user's application will be rejected. When the user applies, the system will automatically verify whether the user meets the application conditions. If the user can't meet the application conditions, the system will automatically prompt the ABC housing loan customer to have a good credit record within 5 years.

Can credit card arrears100000 be mortgaged?

No way! Require settlement of credit card arrears before applying for mortgage loan. So you owe the bank100,000, and it is very likely that the mortgage approval will not pass. If your credit card is not overdue, you can apply. I suggest you pay off the loan as soon as possible.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, and the English name of Credit Card was stipulated.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.