The maximum loanable amount of a bank's credit loan will generally not exceed 6.5438+0 million yuan, and in a few cases it will exceed 6.5438+0 million yuan. The longest service life of bank credit loans is 5 years, generally 654.38+0-3 years. The maximum loan amount and use cycle of online loans are subject to the actual situation of each online lending platform.

If users want to apply for personal credit loans from banks, they should pay attention to the following two points:

First, maintain personal credit. Personal credit loans, personal credit can not have problems, can not have overdue records, but the most basic small debts can not have overdue records, the number of overdue times in the past two years has not reached three times; /kloc-No more than 8 hard queries in 0/year, and no more than 3 times in the last 3 months. In addition, the borrower must have a stable income and be able to independently undertake the obligation to repay the loan.

Second, the loan amount should be appropriate. The longest term of personal credit loan is 5 years, which is relatively rare, generally 1-3 years. Borrowers need to choose the appropriate loan amount and term according to their own credit status, and don't borrow blindly. For example, if you earn more than 4,000 yuan a month and want to apply for a credit loan of 50,000 yuan, even if the loan lasts for 3 years, there will be certain risks, and then you may be rejected by the bank.

How much is the maximum credit loan?

The loan amount of credit loans should be determined according to the income of users, which cannot be generalized, specifically:

1. Employees of listed companies, civil servants and other large companies: If employees have good credit status and a certain property, the loan amount can be up to 20 times their salary. If there is no real estate, the maximum loan amount is 10 times his salary.

2. Employees in ordinary enterprises: If employees have good credit status and a certain real estate, the maximum loan amount can reach 10 times of their salary. If there is no real estate, the maximum loan amount is five times his salary.

3. Sales personnel, service personnel, migrant workers and other special occupations: the maximum loan amount is the same as that of ordinary enterprise staff, but some credit loans will not be granted to such professional groups.

It should be noted that the salary here refers to the applicant's monthly income.