The conditions and amount of personal credit loan are as follows: Personal credit loan is a loan handled according to the credit information of the lender and the work unit. If you are an ordinary office worker with salary discovery, then the money you can borrow may be only 23 thousand. If you are an employee of a state-owned enterprise, an employee of a public institution, a teacher, a doctor and other good positions, then you can apply for a credit line of1-500,000. You can apply for personal credit loan information: ID card, work certificate, income certificate, bank account, residence certificate or residence water and electricity invoice. If there is a real estate license, the driving license can be provided, which will help to increase the loan amount.

Second, the company's operation 1 year or above, the highest in enterprise credit loans?

The company has been operating for more than 1 year, and the maximum amount in enterprise credit loans is 5 million yuan, depending on the main conditions and the income that can be loaned. The operating loan amount is very high, with a maximum amount of 6,543,800 yuan.

Some commercial banks and lending institutions can even provide such high loans for every enterprise. The amount of operating loans is generally the responsibility of the branches of commercial banks.

Generally speaking, the branches of commercial banks formulate the development strategy and risk control of personal loan business according to the local credit market.

Calculate the loan amount according to the production scale, profit level and loan amount.

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I. Application conditions

Eligible countries are not small enterprises with high pollution and high energy consumption;

The enterprise has a good reputation in various commercial banks and has no bad credit record;

Having a business license that meets the business management qualification;

It has the necessary management system, fixed foundation and business premises, operates legally, and the products have market and benefits;

It has the ability to perform contracts and repay debts, has a good willingness to repay, has no bad credit record, and the risk of credit assets is classified as normal or non-financial.

The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

In principle, the fixed number of years is more than 2 years (inclusive), and the growth and gross profit of at least one or more fiscal years are positive;

Abide by the industrial credit policies related to small businesses;

Abide by national financial regulations and policies and relevant bank regulations;

Open a basic settlement account or a general settlement account with the applicant bank.

Second, the application materials

Basic information of the company

1. Business license, organization code, articles of association, capital verification report and loan card.

2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.

3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.

4, nearly six months of tax bills, signed the purchase and sale contract (if any)

5. Proof of assets under the enterprise name

personal data

1, ID card of borrower and spouse

2. Property rights

3. Borrower and property right account

4. Marriage certificate between the borrower and the property owner

, cars, stocks, bonds

6. Personal bank flow in the past six months or a year.

Three, personal loans need to meet the basic conditions are as follows:

1, 18 years old or above, with full capacity for civil conduct;

2. Have a stable legal income and proof, and have the ability to repay interest;

3. When the loan business needs a down payment, it has the ability to pay the full down payment;

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;

5, such as credit loans, need to have a good reputation;

6. Other conditions meeting the requirements of the bank.

3. How much can a credit loan generally lend?

At present, the loan amount of credit loans of banks is generally between 654.38+10,000 yuan and 300,000 yuan. Generally speaking, the general credit line that borrowers can obtain is between 500,000-654,380+10,000 yuan. If the borrower's personal credit status is good, his income is stable, and the previous loan is not overdue, the bank can issue a higher loan amount to the borrower. 1. For borrowers with good monthly income, as long as they can provide proof of bank flow and salary income, they can generally get a loan amount of about 10 times their monthly income. If other conditions are better, the loan amount will be higher. 2. If you already have certain property, car and commercial insurance in your name, you can also apply for unsecured credit loan with these. Usually, a loan amount of1-500,000 yuan can be obtained without exceeding 70% of its own assets. To sum up, if you apply for a credit loan in a bank, you can get a loan amount of1-300,000 yuan. Factors affecting the credit loan amount 1 and personal economic status are important factors affecting credit loans. To put it bluntly, the better one's economic situation, the higher the loan amount that can be obtained, otherwise it is difficult to apply for a credit loan. 2. Personal credit credit loans definitely put personal credit first. When applying for credit loans, no matter which bank or lending institution requires borrowers to have good credit information, personal credit not only determines whether borrowers can successfully apply for credit loans, but also plays a certain role in the amount of credit loans. 3. The actual use of the loan Generally speaking, if the loan applied by the borrower is used for personal consumption, it is more in line with the bank's lending requirements, so it will be easier to give the difficulty and amount of the loan application. However, if the borrower's loan purpose involves investment and operation, it is generally difficult to obtain loan funds.

4. What is the loan amount that an individual credit loan can apply for?

Because the amount of personal credit loan is related to the income of the applicant. Lending institutions usually give a loan amount according to the applicant's income. If the applicant's monthly income is 4,000 yuan, the personal credit loan amount is mostly within 40,000 yuan.