Large loan.
Want to know what are the ways of large loans and how individuals apply for large loans, let's take a look.
What are the ways of large loans?
At present, there are many types of large loans, such as mortgage loans, automobile mortgage, credit loans and so on. The borrower can choose to handle it according to his actual situation.
1, housing mortgage loan
Mortgage loan is usually the killer of handling large loans, because if there is a house as a guarantee, the loan amount has been very high, as high as about 70% of the real estate appraisal;
To this end, if the borrower has a property under his name, he can use the mortgage to obtain a large sum of money.
2. Apply for loans from multiple lending institutions.
If the borrower's personal credit is good and has sufficient repayment ability, he can apply for a loan from a private microfinance company again after applying for a loan from the bank;
At present, private small loan companies have not yet connected with the personal credit information system;
Therefore, although the borrower has a loan burden or a bad credit record, it will not affect him to apply for a loan from a private lending institution again.
3. Portfolio loan of automobile mortgage and credit loan.
If the borrower has no real estate as a mortgage loan, it is good to have a car, although the loan amount is not so high compared with the real estate mortgage loan;
However, if borrowers can apply for credit loans together, the loan amount will be even larger;
However, the borrower must have a good reputation, a stable job and a strong repayment ability. Usually, the loan can be obtained as soon as the same day.
How do individuals apply for large loans?
1, considerable bank flow
Bank flow is the basis for lending institutions to judge our financial ability and invisible liabilities. From the bank's running water lending institution, we can see how much money we earn and spend every month, and finally decide whether to lend or not.
If you want to apply for a large loan, the running water must reach a high level. For example, if the loan is 6.5438+million, the average monthly bank flow must reach at least 6.5438+0.5 million.
2. Good credit record
The so-called good credit information, on the one hand, is not a credit blank. On the other hand, there is a history of borrowing or using credit cards, and it has not been overdue in the last two years.
3. Lower debt ratio
Lending institutions attach great importance to debt in the process of reviewing loans. If the debt is high, the repayment ability is weak. Under normal circumstances, personal liabilities cannot exceed 50%. If you want to make a large loan, the debt ratio should be controlled within 30%.
4. Strong proof of assets
Assets are the visible hard power of borrowers, which is an important embodiment of borrowers' income ability and repayment ability. If you want to get a large loan, you should have certain assets.
Such as real estate, cars, insurance policies, deposits, financial vouchers and so on.
After reading these contents, everyone should know something about this knowledge.
If you want to get involved in loans, you should meet the above conditions;
First of all, we should have good credit, no debt, stable income and high bank flow, so that the loan amount will be higher.