How much can a bank's personal loan be loaned without mortgage?
If you go to the bank to apply for a personal loan, if you don't have any assets in your name to mortgage, the borrower's loan risk will be relatively high, and the loan amount granted by the bank will not be too high, usually only 300,000, because it is a differentiated credit, and the specific amount depends on the borrower's credit status and repayment ability.
There are several factors that usually affect the borrower's loan amount:
1. Personal credit record: The credit report of the borrower will be checked when the unsecured loan of the bank is audited. The better the borrower's credit record, the better the borrower's willingness to repay, the stronger the corresponding repayment ability, the lower the loan risk and the higher the loan amount granted by the bank.
2. Personal repayment ability: on the one hand, it depends on the borrower's unit and the nature of work, which can reflect the borrower's income; On the one hand, it depends on the borrower's debt situation. After all, repayment ability should be judged by combining income and debt. If the work nature of the unit is good, the income is high and the debt is low, the repayment ability will be strong and the amount will be higher.
3. Personal financial strength: If you apply for an unsecured bank loan, you can also provide financial proof in your name to prove your financial strength. The stronger the economic strength, the more stable the income, and the easier it is for borrowers to obtain bank approval, so the chances of applying for large loans will be higher.
4. Bank contributions: doing business with banks, such as salaries paid by banks, bank deposits, purchasing wealth management, funds, etc. , or bank credit card, bank mortgage and car loan customers. The contribution to the bank is relatively high and the amount will not be very low.
The above is the introduction of "How much can a personal loan from an unsecured bank be borrowed?" I hope it will help you.