First of all, answer directly.
There are many kinds of banks.
Second, the specific analysis
Common are credit loans, mortgage loans and secured loans. Office workers can apply for the exam.
The maximum amount of credit loan is 300,000.
2. Mortgage loan: up to 80% of the assessed value of the collateral provided by the borrower.
For example, a 800,000 house can be mortgaged, and the maximum loan can be 640,000.
The amount generally does not exceed 300,000 yuan, and the maximum amount does not exceed 5 million yuan.
No matter what kind of loan, the specific amount depends on the borrower's comprehensive credit conditions.
First of all, it depends on income, generally
Secondly, according to the applicant's working hours, personal credit status, economy
The average office worker has worked in the unit for more than 3 years and has been married and educated, which shows that he is relatively stable and has sufficient repayment ability; If there is a credit record on the credit report of office workers, but there is no bad record, and the debt ratio is low, the comprehensive score will be higher.
The loan amount given by the bank is as high as possible.
If you quickly check your debt and the number of online loans, you will get a big data report on online loans, including online loan application records, overdue details and blacklists.
3. What financial management methods do office workers have?
There are many financial management methods suitable for office workers, mainly because investors should choose according to their professional level, anti-risk ability, idle time of funds and wait-and-see time.
Common financial management methods are: buying a bank fund and making a fixed investment.
1. Buying bank wealth management products: The advantage is that the risk is relatively small and it is not managed. After maturity, the principal and interest will arrive together.
However, the starting point of some products is 50,000 yuan, which is suitable for office workers with certain savings.
2. Buy funds: For very popular products, you can bear certain risks or index funds, and office workers with low risk tolerance choose money funds or bond funds.
On the other hand, if you have time to watch the market, you can buy stocks.
3. Fixed investment: For office workers, if they make a fixed investment, many a mickle makes a mickle, and after a long time, their assets will get bigger and bigger.
When choosing a fund, the gold manager has a high rate of return and the investment target has a high degree of prosperity.
2. What are the products of bank loans?
List the loan products of five major banks: ICBC: Happiness Express-personal car consumption loan, Happiness Career-personal business loan, direct customer-personal housing loan, personal credit loan, personal mortgage loan, personal self-built housing loan and so on. Agricultural Bank of China: personal car loans, personal production and operation loans, personal comprehensive consumption loans, general student loans, individuals, etc. Bank of China: personal entrusted loan business, personal investment and business loans, personal consumption car loans, personal first-hand and second-hand housing loans, personal commercial housing loans and so on. China Construction Bank: fast loans for small businesses, personal homepage loans, small secured loans for laid-off workers, personal business loans, personal car loans, personal commercial housing loans, personal provident fund loans and so on. Bank of Communications: personal car loan, personal housing mortgage loan, personal revolving loan, personal comprehensive credit, personal short-term business loan, personal housing decoration loan and so on.
3. What are the bank loan products?
Generally divided into mortgage and unsecured. You need to provide personal income certificate and valid property certificate.
4. What loan products does the bank have? These are very common!
Bank is an authoritative financial institution in China, which is directly supervised by CBRC and influenced by policies. General bank loans have low interest rates, high quotas and relatively low borrowing costs. So what loan products do banks have? Now there are the following kinds of common loans, you can choose according to your own needs.
1. Renovation loan The renovation cost now ranges from tens of thousands to hundreds of thousands. It is difficult for ordinary people to take it out at one time after buying a house. Therefore, major banks have taken out renovation loans. Loan banks generally include China Bank, China Industrial and Commercial Bank, China Construction Bank and Jiangsu Bank. You can go to the nearby outlets for consultation. 2. Wage loans Basically, every bank has loans suitable for office workers. State-owned enterprises, Fortune 500 companies, listed companies, civil servants, teachers, doctors and other high-quality enterprises are easier to approve and make the next payment faster. 3. Make policy loans for existing policies. The amount of such loans depends on the effective year of the policy and the annual payment amount of the policy. 4. Owner's loan If you have real estate in your name, you can apply for this kind of loan. Whether buying a house in full or a mortgage loan, you can apply for a personal micro-credit loan through the owner's loan. 5. Commercial loan is a credit loan product specially designed for small and micro enterprises and individual industrial and commercial households to solve short-term operation, daily payment settlement and financial management. 6. Owner's loan Owner's loan includes the owner of a full car or a mortgage car, and can apply for a consumer loan through banks and consumer financial institutions. 7. Entrepreneurship loans Entrepreneurship loans refer to micro-credit loans that are different from current consumer loans and are used to meet the needs of individual entrepreneurs in urban and rural areas.