Credit loan refers to a loan that users can obtain only through credit without providing collateral or third-party guarantee, with the borrower's credit degree as the repayment guarantee. Bank credit loan is a kind of loan issued by the bank on the basis of the applicant's credit. The loan applicant does not need to submit collateral or collateral.
Because it is a pure credit loan, the general bank will adopt the invitation system, and users with more banking business and certain deposits and wealth management are more likely to get loans.
The loan conditions of the credit loan are as follows:
First of all, if the credit rating of corporate customers needs to be above AA- (inclusive), credit loans can only be issued after the approval of provincial branches of state-owned commercial banks.
Two. In the last three years, the total profit of operating income accounting has increased continuously, the asset-liability ratio has been controlled within a good range of 60%, and the cash flow has been sufficient and stable.
3. The enterprise promises not to set mortgage (pledge) or provide guarantee to others with effective operating assets, or to obtain the consent of the loan bank before handling mortgage (pledge).
4. The business management is standardized, and there are no bad credit records such as debt evasion and default on interest.
What is a credit loan?
Credit loan can be simply understood as a loan issued by a bank according to the borrower's credit without submitting any guarantee. This kind of loan requires the borrower to have a good credit record, and the bank will examine the borrower's economic level and work nature, and then apply for a loan after meeting the bank loan conditions.
The amount of credit loan is generally 5 times to 10 times of the borrower's income, but the group with relatively stable income may be higher than 10 times. Such as civil servants, teachers, doctors, lawyers, etc. However, the bank will consider other aspects when lending and make a comprehensive determination based on the submitted materials. If you want to apply for a higher quota, you can submit some financial certificates at this time, such as real estate license and driver's license, which can increase the application amount.
The interest rate of credit loans will fluctuate on the basis of the benchmark interest rate. If you want to get a discount on the bank loan interest rate, you'd better become a high-quality customer of the bank. Such customers generally need to buy a large number of wealth management products from banks.
After the bank has applied for a credit loan, it must repay it on time. If there is overdue repayment, it is necessary to explain the situation to the bank in time. After overdue for many times, the bank has the right to ask the borrower to repay in advance. At this time, the borrower's repayment burden will be more serious, and the overdue records will be uploaded to the credit information center by the bank.
Credit is really important in today's society, and everyone should take good care of their credit!
What is a mortgage loan?
Mortgage housing credit loan is a kind of private loan, similar to that, you can lend only by copying the real estate license and work certificate, which generally does not exceed the down payment of the house.
Personal housing mortgage loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied new housing, which is commonly referred to as "personal housing mortgage loan". The amount of personal housing mortgage loan issued by the bank shall not be higher than 80% of the value of the house purchased or the actual total cost of the house purchased assessed by the real estate appraisal agency (whichever is lower).
Which bank has a high credit line? Let's take a look at the consumer loan products of these four major banks!
With the continuous development of the credit industry, people can apply for more and more microfinance products. In order to meet the borrowing needs of different users, banks have also launched personal consumption credit loans that can be applied online. A friend asked, which bank has a high credit line? Let's take a look at the consumer loan products of these four major banks!
Which bank has a high credit line?
1, Agricultural Bank of China Network Dai Jie
The loan amount of Agricultural Bank of China Netjet is 20,000 yuan to 200,000 yuan. The borrower needs to use the loan within the validity period of the loan, which can be recycled, and the validity period is 1 year. The longest application period for general customers is 1 year, and the longest application period for special customers with scenes is 5 years. Please refer to the system display when applying. Online loan is a kind of revolving loan. Loans can be made by installments at any time, and the minimum amount of a single loan is 1 000 yuan each.
2. CCB Express Loan
Fast loan is divided into four products, namely fast e-loan, car e-loan, financing e-loan and pledge loan. The loan amount that users can apply for is between 1000 yuan and 300,000 yuan. The borrower logs into the mobile banking APP of CCB, then finds the product he wants to apply for in "Loan-I want a loan" and then applies for a loan.
3. Bank of China Easy Loan
The maximum loan amount of BOC e-loan can reach about 300,000 yuan. However, the loan amount of each applicant is subject to the comprehensive evaluation results of the bank. Bank of China will comprehensively evaluate the applicant's credit, income, work and fixed property, and will obtain a credit line after passing the evaluation. In addition, the validity period of BOC e-credit line is 12 months.
4. Personal consumption credit loan of Postal Savings Bank
The personal consumption credit loan products of Postal Savings Bank are unsecured and unsecured credit products, and the maximum loan amount that users can apply for is 6,543.8+0,000 yuan. The longest service life is 3 years. As long as the borrower has stable income, good credit information and a certain source of income, he can try to apply for a loan. Support recycling.
The above is the related content sharing of "which bank has a high credit loan amount", I hope it will help everyone!