What qualifications do you need to apply for a credit loan? Personal credit loan requires the following qualifications: 1. Citizens aged 20-65 with normal credit? Working full-time for three months with a fixed income. 2. Self-employed individuals and business leaders who have started business for half a year. 3. The maximum amount of credit loan is 2 million, depending on the personal credit situation audited by the bank. 4. The annual interest rate of credit loans starts from 65,438+0.88%. 5. The term of credit loan can be divided into 65,438+0 ~ 7 years. The conditions for handling credit loans basically depend on personal conditions, like those of your company. Whether banks review credit loans depends on: 1. Labor insurance qualification II. Whether the salary has been transferred. Whether the passbook has a balance of 3. Company capital, whether it is listed or not. 4. The age, sex and unmarried of the lender. 5. Whether the unsecured debt is on the high side. 6. Credit status. Whether the payment is delayed. The interest rate of credit loans is roughly as follows: 1. Credit loan interest rate for employees of large companies: 5% ~ 8% (depending on whether the capital exceeds 65.438+0 billion) 2. The interest rate of credit loans for employees in general companies is 8% ~ 654.38+02% (the interest rate depends on the liabilities in the name). For example, the amount of credit loans is 300,000/the interest rate is 8%/ the monthly payment is 6082, and the success of credit loans depends on it. Banks have several main points and directions when reviewing credit loan cases: job stability: is there labor insurance? How long have you been in office? Banks can determine whether your job is stable → First of all, most banks need to work for more than 6 months or 3 months plus 1 year before they can work. The longer the seniority, the more credit loans banks can choose. Work certificates are mainly labor insurance, and not many banks can accept employment certificates. So if you want to find a job with labor insurance and medical insurance and want to apply for credit loan business in the future, it will have a great impact. Solvency: What is the profit? Is there a salary increase? Is there a situation where the moonlight family can't make ends meet? → Wage transfer or withholding voucher is the basis for most banks to review the borrower's debt repayment. Similarly, it is not easy to get a loan without salary adjustment. It's better to have a salary adjustment for work. Credit rating: Do you have a credit card? Is it normal to pay ~? Is there excessive consumption? → Normal, low-cycle credit card transaction records can add points for handling loans, while high-cycle credit cards or cash cards can be deducted a lot. Normal payment credit is a necessary condition. What documents and double certificates do I need to prepare for a credit loan? Soldiers need military identity cards and work permits: employees need labor insurance cards (you can apply for details of changes at the Labor Insurance Bureau). If there is no labor insurance, you can use the work certificate instead, but you need to affix the company seal. Civil servants need to have a personnel dispatch order; For professionals, please attach the professional license income certificate issued by relevant institutions: salary transfer or withholding voucher, income list, salary table of public officials or employees of listed companies. If people who accept cash and have no tax return certificate suggest at least three months' salary, there are not many banks that can accept cash group loans now, and the probability of approval is not high. If there is no salary increase, it is better to wait until it gets better before applying for a credit loan. Cash loan: the amount of credit loan approved by the bank is about 8 ~ 14 times of the monthly salary, although the financial management Committee stipulates that the liabilities of unsecured credit loans cannot exceed 22 times of the monthly salary. However, it does not mean that the bank's credit loan will be approved to 22 times. Even if the qualifications of credit lenders are good, people who need credit loans can't try to calculate it themselves. If you say that your needs+liabilities exceed your annual income, you must be prepared to apply for credit loans from more than two banks at the same time. "But applying for two banks at the same time does not mean knowledge+answers or banking business. It is impossible to make multiple allocations if you are not familiar with bank standards and auditors' mentality. These are the accumulation of experience, which is by no means something that some postal services can handle. Comprehensive liabilities: after the double-card crisis, bank lending is conservative, and even some banks have stopped making consumer credit loans. They are more cautious about using dual-card ethnic loans, especially credit loans. The principle of integrating liabilities is that as long as it does not exceed 22 times the monthly salary, it meets the application criteria, and it is not afraid of high debts, but it is afraid of insufficient financial resources. If the bank lacks the financial resources that can be recognized by the bank to prove that credit lenders must improve before applying for credit loans, otherwise it will only waste some bad internal information of the bank and make your future credit loans more difficult. Also pay attention to the credit situation. As long as the financial resources of revenue and expenditure ratio and debt ratio are clear, some minor flaws can be overcome, but this needs to refer to the borrower's overall credit loan conditions and need to be dealt with in detail. There are no standards. After the double-card turmoil and financial tsunami in recent years, the credit loan market is really different, but it does not mean that credit loans cannot be approved. Customers with acceptable conditions handled by predecessors in the industry cannot be successfully approved because the credit loan signer is wrong. The key lies in the lack of professional quality of some banks, and the borrowers of credit loans only care about interest rates and fees and ignore the fundamental problem of whether the case can be approved. I only choose what I want to hear, but I don't believe in professional advice, so I often find that there is no problem with the person I choose. The way Mr. Wang answers the page often misleads the questioner. In fact, it turns out that there are more than a dozen banks that can choose from a pile of credit loans, and the choice of credit loans cannot be intuitive. The general public will only look for trusted banks or banks with low interest rates, often ignoring whether credit loans can be passed or not. Banks like different customers. When your family has tried too many intangible joint expropriation, no matter how good the conditions are, it is futile. It is better to do more homework in advance than to regret it afterwards. Therefore, it is suggested that people with funds or integration needs spend some time on the phone, which is an extra guarantee for you. Credit loans must not be afraid of trouble.

References: 1 Zhao Huangqi's 2007 mortgage default and prepayment model research; 2. Zhang Yajun's Discussion on Default Factors of Mortgage Customers of Commercial Banks in 2007; 3 part of the early settlement of housing mortgage loans on the impact of default Jiang Jingyi, 2005.