The specific loan amount should be determined according to the actual situation of the borrower. Good and stable credit income is conducive to the increase of credit line.

1. Use your ID card to borrow money from the bank. Generally, the maximum loan amount is 300,000 yuan.

2. For ordinary wage earners, the actual loanable amount is basically around 654.38+10,000 yuan.

The personal loan amount is usually about 10 times of personal monthly income. The high allocation quota is 654.38 million, but the specific situation needs to be closely related to the local urban economic development level and personal qualifications.

How much can I borrow from a personal loan?

In recent years, prices have been rising, but wages have not, resulting in many young people wanting to buy big items are short of money. At this time, they will apply for loans from banks to deal with emergencies. People who have no loan experience don't know how much they can borrow when they apply for personal loans from banks. Next, Bian Xiao will show you how many personal loans you can borrow!

How much can I borrow from a personal loan?

1. business start-up loan: business start-up loan refers to a special loan issued by an individual who has certain production and business operation ability or has been engaged in production and business operation activities, and has applied for capital requirements for starting or re-starting, and is recognized as an effective guarantee by the bank. Eligible borrowers can get a single loan of up to 500,000 yuan.

2. In addition to the pledge of certificates of deposit, personal loans can also be easily obtained with certificates such as treasury bills and insurance company policies. 80% of the deposit amount can be used for loans; 90% loanable national debt of national debt denomination; The amount of the policy issued by an insurance company shall not exceed 80% of the cash value of the policy at that time.

3. Guaranteed loan: At present, banks have a soft spot for high-income groups, and lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them.

4. Apply for unemployment loans with a re-employment concession card. Everyone can borrow up to 20,000 yuan, and the interest rate is the lowest among local bank loans. Enterprises that absorb laid-off workers 10 can enjoy a low-interest loan of up to 200,000 yuan.

Bian Xiao's conclusion: The above is about how many loans can individuals borrow? I hope I can help you. I believe that after the introduction, how much can you borrow from your personal loan? Have more understanding, if you are interested, you can refer to it later.

How much can an individual borrow from a bank?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).

Basic conditions for lightning loan application:

1, with China Merchants Bank card;

2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;

3, have the ability to repay the loan on time, no illegal behavior, good credit.

Tips:

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.

3. There are two ways to apply for a loan within the lightning loan limit:

(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.

(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.