The threshold has also become lower. But after careful understanding, we will find that credit loans are still the mainstream in the loan market.
In real life, credit loans are simple and convenient for borrowers, but for banks and lending institutions, credit loans with personal credit as a passport are much more risky than mortgage loans. Therefore, in order to avoid the risks in the loan process, the maximum loan amount of credit loans is naturally much lower than that of mortgage loans. What should borrowers do if they want to increase the credit line?
First, good credit habits.
In order to obtain a large credit loan, in addition to salary certificate, credit record is also an essential reference. But for people with good credit, what credit habits will add points to the borrower's loan amount?
1. I have a large loan record, but I always repay it on time, and I have never defaulted.
This will leave a very good impression on the bank. Originally, the borrower could only get a loan of 10 times the monthly salary. Because of this good indicator, the bank is expected to increase the loan amount to 15 times the monthly salary.
2. There is a large credit card swipe record, and it can be repaid on time every month.
If you can apply for a large credit card, the bank that applied for it has already made an evaluation. If you can spend regularly and repay on time, it is also a powerful plus item.
Second, a stable career will add points.
Occupation is also an important consideration for credit loans. In terms of screening criteria for high-quality customers of banks, if the borrowers are civil servants, employees of Fortune 500 companies, employees of state-owned enterprises, staff of public institutions, etc. The credit line is naturally higher than that of ordinary employees; If the borrower is an executive or leader of the company, he can give proof of his position and impress the credit manager of the bank.
Third, strong financial proof.
Show proof of income, occupation and credit history. What else can improve the borrower's credit limit? Financial resources must be provided to prove this factor. When applying for a loan, the borrower can show his financial proof to the credit manager, such as how many suites are in his name and how much is it worth? Is there a car in the name? How much is it worth? Even the borrower's stock account, insurance policy, etc. These may be passes on the way to apply for a large loan.
Four, the bank issuing the salary card is the same as the bank applying for the loan.
In fact, if the borrower's loan application bank is the same as the bank that pays wages, this can also give the borrower extra points. Why do you say that? For the bank, the borrower's past salary flows out from here and is a very stable customer. Banks will give relatively high evaluation scores for repayment ability and willingness. Therefore, if netizens have loan needs, they may wish to apply for loans directly to the nearby payroll card issuing bank.