If there is a house and a car under the name of an individual, the bank will appropriately increase the loan amount;
For civil servants, public institutions, large state-owned enterprises, and official personnel of Fortune 500 enterprises, banks may provide salary limits higher than pre-tax salary 10 times.
Because this kind of loan is often based on the flow of wages to determine the loan amount, it is also called salary card loan.
General commercial banks or small loan companies have such unsecured loans, and their application conditions include:
(1) wage flow requirements. Different products have different income requirements, but the minimum amount is from 2000 yuan. In other words, you can apply as long as your monthly income reaches 2000 yuan. However, it should be noted that it must be a punch card salary, and basically does not accept cash salary customers;
(2) Entry time. General banks are required to work continuously in their current units for more than 6 months. Therefore, those newly hired lenders can only wait for a period of time to meet this requirement before they can successfully borrow money;
(3) Personal credit is good, and the requirements of each bank are different. Generally speaking, however, the minimum requirement is no more than four overdue times in the past two years, and there is no record of overdue for one month in a row.