Many people will choose to handle personal credit loan business when borrowing money, because personal credit loans do not need collateral, so loans will arrive faster. So, how much can a personal credit loan borrow?

Second, the specific analysis

How much a personal credit loan can be borrowed mainly depends on the applicant's comprehensive qualifications. It does not have a fixed number, but depends on the applicant's personal credit situation, economic income and so on. In addition, different banks and lending institutions can lend different amounts.

However, the bank stipulates that the starting point of personal credit loan is 6.5438+0 million yuan, and the maximum amount shall not exceed 6.5438+0 million yuan. Under normal circumstances, applicants with stable income and good credit can get more loans. For example, an ordinary office worker may only get a loan of 34,000 yuan, but if he works in a state-owned enterprise or institution, or is a teacher or doctor, he may get more money.

Therefore, the amount of personal credit loans of banks may be between tens of thousands and hundreds of thousands, while the credit loans of loan companies are generally between 20,000 and 300,000.

Now is the era of credit, once the credit is defiled, many things will be difficult to move. Online lending is also a source of big data. Once big data is confused and classified as high credit risk, it will affect credit reporting and living restrictions. People who don't know about credit information and big data can check their credit information data in Xiaoqi Credit Information, understand their credit information data, loan records and risks, and help everyone pay attention to protecting their credit information records.

3. How much can I borrow from a personal loan without assets?

If the borrower cannot provide collateral to the bank and apply for mortgage loan, he can choose to apply for bank credit loan and secured loan.

How much a personal credit loan can be borrowed mainly depends on the applicant's comprehensive qualifications. It does not have a fixed number, but depends on the applicant's personal credit situation, economic income and so on. In addition, different banks and lending institutions can lend different amounts.

However, the bank stipulates that the starting point of personal credit loan is 6.5438+0 million yuan, and the maximum amount shall not exceed 6.5438+0 million yuan. Under normal circumstances, applicants with stable income and good credit can get more loans. For example, an ordinary office worker may only get a loan of 34,000 yuan, but if he works in a state-owned enterprise or institution, or is a teacher or doctor, he may get more money.

If it is a secured loan, under normal circumstances, the maximum amount of secured loan is calculated as follows: within the loan period, the borrower's income is deducted from the expenditure within the loan period, other liabilities to be returned within the loan period are deducted, and the remaining money is discounted, which is the maximum loan amount.

The borrower can find an acquaintance with good personal credit who meets the requirements of bank loan application as a guarantee. The specific amount you can apply for depends on the credit rating of the guarantor and the borrower.