In banks, loans are generally divided into two types. The first is a credit loan, and the other is a mortgage loan. Generally, the amount of a credit loan is much lower than a mortgage loan. The main reason is that After all, mortgage loans have collateral and can be used as the bank's final guarantee, while credit loans take into account your usual personal credit, so they will grant you a certain amount. So today we will discuss how much money an ordinary person can get through a credit loan in a bank?

First, the gap is still very large.

Why do I say this? The main reason is that when I personally go to a bank, I can only get a credit loan of about 300,000 at most. But I know a person who has been doing business all year round. Because the bank's flow rate is relatively good, his credit loan is very high. , and the interest rates are lower. I remember that at that time, his credit loan directly cost more than 1.7 million, and the interest rate was only more than 7%, while my interest rate was as high as 9%.

Second, why is there such a big gap?

Since it is a credit loan, regardless of the collateral, naturally the better the performance and flow, the more money they will get. After all, their repayment ability is stronger, and In addition to these, the bank will also consider his guarantor. After all, credit loans generally require a guarantor. If the guarantor's turnover is also good, then the money received will be relatively good.

Third, how do you view credit loans?

If there is no other way, it is recommended not to take a credit loan. After all, the money you can get from a credit loan is very small, and the interest rate is relatively high. In fact, if you have the opportunity, you can still use the collateral to get a loan. Not only can you get more money, but the loan will also take longer to realize, and you can allocate funds more freely. Of course, all loans need to take into account your repayment ability and act according to your ability. If you have no way to repay, it is recommended not to take out a loan.