According to the calculation formula of repayment ability:
Loan amount = [total monthly salary of the borrower × (repayment ability coefficient of the borrower's unit housing provident fund deposit ratio) total monthly salary of the borrower's spouse × (repayment ability coefficient of the borrower's spouse's unit housing provident fund deposit ratio) ]× 12 (month )× loan period. Among them, the borrower's total monthly salary = monthly repayment amount ÷ (unit deposit ratio and individual deposit ratio)
1. What is loan credit reporting?
(1) Good credit can save time for bank credit loans; Credit information includes personal identification information such as the name, age, gender, work unit and contact address of the recorded person, so that the bank can intuitively understand your credit situation, without spending more time investigating and verifying the authenticity of the application form, and help the lender to obtain loans quickly.
(2) As the saying goes, it is not difficult to borrow again. If the contents of the credit report reflect that you are a person who repays on time and fulfills the treaty, the bank will certainly be happy to lend you money, and the amount and interest rate will be increased to a certain extent. On the contrary, if there is a stain on your personal credit report, even if you have a house, a car and a career, the bank can't lend you money.
(3) The lender will receive a credit reminder. If there are bad records such as non-repayment and overdue repayment in personal credit information, banks will definitely treat such people differently, such as reducing the personal loan amount, providing guarantees or mortgages when lending, and providing loan interest rates; At the same time, if there are too many personal loans, it has exceeded the affordability. Banks will also be extra cautious when refusing loans.
(4) reflect fairness; Credit investigation is mainly to evaluate the personal credit situation. Regardless of your background or accumulated wealth, the higher the credit value, the more loan opportunities you can get. The credit center will also objectively record your consumption, payment and loan, and reduce the subjective factors that affect credit card processing, online lending and credit lending, which is very beneficial to individuals.
How to calculate the loan amount
Loans are difficult, and high loans are even more difficult. Some people can get a high quota, and some people have a "shrinking" loan quota. So, how to calculate the loan amount? Let's take you up and down.
How to calculate the loan amount? Take the housing loan amount and the automobile loan amount as examples, and the specific calculation method is as follows:
1. Calculation method of housing loan amount:
It mainly depends on two aspects: one is the amount of personal assets, and the other is the repayment ability. Can do these two things, borrow as much as you want. Under normal circumstances, bank loans can reach up to 70% of the appraised value of real estate.
If the house is worthless, you can borrow less, but if you have good repayment ability, you may borrow 1.6 times the value of real estate assessment, but the interest of private lending is at least three times higher than that of banks; The maximum is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower);
2. Calculation method of automobile loan amount:
If the purchased vehicle is a self-use vehicle, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle; If the purchased vehicle is a used car, the loan amount shall not exceed 50% of the price of the car purchased by the borrower, and the loan amount shall not exceed 200,000 yuan; Finally, the specific loan amount should be determined according to your own real situation. You can find the calculation method of the specific loan amount on this website.
Calculation formula of personal loan limit of bank
The calculation formula of bank personal loan amount: loan amount = repayment ability, personal credit record, property certificate and collateral value. Because everyone's loan situation is different, the bank's personal loan amount is not a computable value, and the amount provided by each bank to borrowers is also different.
The personal loan amount mainly consists of the borrower's repayment ability, personal credit record, property certificate and collateral value. Bank loans are divided into mortgage loans and mortgage loans. The larger loans and the smaller loans are subject to strict examination.
The amount of mortgage loan cannot exceed 70% of the value of real estate assessment. The mortgaged house must be legal. The house cannot be a dangerous building, an illegal building or a planned house. The property cannot be disputed. The bank will give the real estate appraisal value according to the specific situation of the house.
The amount is not high, generally only about 6,543,800 yuan. The borrower needs to provide the bank with the original and photocopy of ID card, residence certificate, household registration book, personal credit report, marriage certificate or unmarried certificate, bank card flow, labor contract and other materials.
No matter what kind of loan, personal credit record is the primary condition for bank lending. Give the bank a property certificate, and the bank will increase the borrower's loan amount.
This is the end of the introduction on how to calculate your own loan amount and the amount of loans. I wonder if you have found the information you need?