The maximum loanable amount of a bank's credit loan will generally not exceed 6.5438+0 million yuan, and in a few cases it will exceed 6.5438+0 million yuan. The longest service life of bank credit loans is 5 years, generally 654.38+0-3 years. The maximum loan amount and use cycle of online loans are subject to the actual situation of each online lending platform.

If users want to apply for personal credit loans from banks, they should pay attention to the following two points:

First, maintain personal credit. Personal credit loans, personal credit can not have problems, can not have overdue records, but the most basic small debts can not have overdue records, the number of overdue times in the past two years has not reached three times; /kloc-No more than 8 hard queries in 0/year, and no more than 3 times in the last 3 months. In addition, the borrower must have a stable income and be able to independently undertake the obligation to repay the loan.

Second, the loan amount should be appropriate. The longest term of personal credit loan is 5 years, which is relatively rare, generally 1-3 years. Borrowers need to choose the appropriate loan amount and term according to their own credit status, and don't borrow blindly. For example, if you earn more than 4,000 yuan a month and want to apply for a credit loan of 50,000 yuan, even if the loan lasts for 3 years, there will be certain risks, and then you may be rejected by the bank.

What is the maximum credit loan?

Credit loans can reach up to 500 thousand.

Credit loan refers to the loan issued by the borrower's reputation, which is characterized by the fact that the debtor can obtain the loan only by virtue of his own reputation without providing collateral or third-party guarantee.

Due to the different qualifications of lenders, the amount of loans available is also different, and the bank will review and evaluate according to the personal data provided by the applicant.

The process of credit loan is usually as follows: loan application → loan investigation → loan approval → loan contract signing → loan issuance → post-loan management → loan return, etc.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

What is the maximum credit loan?

China Bank's personal consumption loan is a consumer-oriented loan product based on the credit status of individual customers, secured by collateral provided by customers recognized by the bank. According to whether there is mortgage or not, personal consumption loans are divided into personal mortgage consumption loans and personal pledge consumption loans; According to whether the loan amount is recoverable or not, personal consumption loans are further subdivided into personal mortgage recoverable consumer loans, personal mortgage non-recoverable consumer loans, personal unsecured pledge recoverable consumer loans and personal unsecured pledge non-recoverable consumer loans. Personal loan limit is divided into limit and single use amount: 1. Limit: Unsecured personal consumption loans should be calculated from the following two dimensions, and the limit should be determined according to the lower of 1, income level or assets. For employees with relatively stable wages or labor income, the limit should be based on the income certificate (tax payment certificate) provided by them. In principle, it shall not exceed twice the annual income of the borrower, and the maximum shall not exceed three times the annual income. For self-employed/individual high-end customers with continuous and stable business income sources, the approved loan amount shall not exceed 70% of the average daily balance of the bank's risk-weighted financial assets [1] in the last six months (excluding pledged and frozen assets). 2. For private banking customers with customer wealth level, the upper limit of the quota shall not exceed 3 million; For wealth management customers, the upper limit of the quota shall not exceed 2 million; For wealth management customers, the upper limit of the quota shall not exceed 6,543.8+0,000; For ordinary customers, the upper limit of the quota does not exceed 500,000.

Second, the amount of single use: the single use of personal consumption loans shall not exceed 80% of the required funds shown in the proof materials of consumption purposes. 3. As there are some differences in different regions, please consult the local institutions in detail when applying for loans.

The above contents are for your reference. Please refer to the actual business regulations.

How much can I borrow from a credit card loan?

The credit card loan amount is related to the cardholder's credit limit, personal credit status, repayment ability, credit card type and other factors, and cannot be generalized.

General credit card loans have a minimum amount of 2,000 yuan and a maximum amount of 50,000 yuan. The specific loan amount is subject to the amount issued by the bank. Generally, as long as the applicant has a good credit status and no bad repayment record, he can apply for a certain amount of loan.

How much can a bank's credit loan lend? What are the loan requirements?

Because different loan products have different requirements, the maximum loan limit is also different.

If it is an enterprise, the maximum credit loan can only be 6.5438+0 million, and the maximum personal credit can only be about 300,000. If you are doing a small personal credit loan, you can apply if you meet the relevant conditions. Personal credit loan conditions: female: 22-55 years old, male: 22-60 years old. The loan amount is 80-300,000 yuan.

(1), working in this unit for more than 3 months (after probation)

(2) The monthly income before tax is more than 5,000 yuan (if you have applied for a credit card in the bank and have a bank credit record, you can relax it to more than 3,000 yuan). Generally speaking, if you meet the above conditions, the amount you can borrow is 6-65,438+00 times your monthly salary.

(3) Wages are paid by punching in the bank, not in cash.

(4) A printed payroll list and the work certificate of the employer shall be issued by the payroll bank. The above information is that I successfully applied for personal credit in a loan company, called digital banking online consultation, and finally the bank gave me a loan, which gave me a series of work in selecting banking products in the early stage. Cooperate with many financial institutions, including banks, guarantees, pawns, etc. Major financial institutions display various loan products on this platform, and also see a lot of government-supported related content on the website, which seems more formal to me.