Speaking of bank loans, many people first think of a lot of materials to prove their hard power, such as houses and cars, but for ordinary office workers, how many people can easily come up with a house and a car? Therefore, when they urgently need money, they know that the interest on online loans is high, but they still have no choice but to compromise.
In fact, bank loans are not as complicated as everyone thinks.
Individuals who want to go to the bank to apply for a loan need to show proof of bank running water. For ordinary office workers, the most stable running water certificate is the running water of wages. Therefore, there is no need for a house, a car or a social security fund, and individuals can also borrow money from banks by virtue of their wages.
Salary loan is actually a personal credit loan, and the bank determines the loan amount according to the salary flow you provide. Different banks have different income requirements for lenders. Usually the minimum amount starts at 2000 yuan. In other words, as long as your monthly salary reaches more than 2000 yuan, you can apply for a wage loan from the bank.
The premise is that you need to work continuously in your current unit for more than 6 months, with stable work, good credit and no bad records.
Some time ago, a friend of a wage earner consulted Brother Ka and wanted to make a salary loan. He has no house, no car and no social security fund. Fortunately, his job is relatively stable, and it also meets the requirements of the bank to work continuously for more than 6 months, with a monthly salary of 5,000 yuan. Judging from his basic situation, there is no problem in passing the bank loan review. The reason why he failed in the end was that he spent too much money on credit investigation.
He didn't know that he could borrow money from his salary. During that time, he was eager to use money and borrowed a lot of online loans. Although they were all paid off in the end, there were too many credit inquiries and thousands of small loans were borrowed, which left a bad impression on the bank.
Here, Kage also said a few more words, don't lend at will, even if it's just to check the quota. It's even more difficult to get a loan from the bank as soon as the credit information is spent. If your credit information is used up, don't apply for a loan blindly within 3-6 months, don't add inquiry records to our credit information, and don't inquire about your credit information again.
If we persist in doing this, the problem of collecting credit for half a year can be improved. We must maintain good repayment habits, repay on time and gradually accumulate good credit records. Most importantly, don't believe that everything that can be "washed white" in the short term is a flicker. Don't be cheated. Good credit investigation needs long-term maintenance.
Under normal circumstances, the amount of salary loan you can apply for is 5~ 10 times of your salary. If you want a higher amount, you need to provide proof of your real estate and car. If you are a civil servant, a career planner, a full-time employee of a large state-owned enterprise or a Fortune 500 enterprise, the credit line will be higher and it will be easier to make the next payment.
A netizen once asked privately, can I borrow 2 million from the bank to buy a house with a monthly salary of 5000?
The answer is no.
When banks examine loans, the lender's repayment ability is the most important. Generally, the income of the lender is required to be twice the monthly payment.
Assuming that the current mortgage interest rate of more than five years is 4.9%, the monthly loan of 2 million yuan for 30 years needs 106 14.53 yuan under the method of equal principal and interest repayment; Under the average capital repayment method, the first three monthly payments of a 30-year loan will exceed 65,438+03,000 yuan. It can be seen that no matter which way, it is impossible to get a loan of 5,000 yuan a month from the bank to 2 million yuan first, unless there are mortgages such as real estate and cars, or other additional proof materials.
Generally speaking, it is easy to apply for a salary loan from a bank as long as the salary flow is normal and the personal credit is good. It should be noted that personal wages cannot be used as mortgage loans, because salary cards are only debit cards issued by banks and are not eligible for mortgage.