1. In commercial banks, the loan amount of office workers is related to personal credit and personal monthly income. The approximate formula of loanable amount is: loanable amount = monthly income ×50%× repayment months (the longest repayment month is generally 36 months). Therefore, for office workers with a monthly salary of 4,000 yuan, the maximum loan amount is roughly: 4,000× 50 %× 36 = 72,000 yuan.
2. On the online lending platform, the loanable amount of an office worker with a monthly salary of 4,000 is related to personal credit and the loan ceiling of the online lending platform. Generally speaking, office workers with good credit can easily get loans of about 654.38+10,000 yuan from online lending platforms. Here are some small loan platforms with large amounts.
Zhilian long-term loan
Good term loan is a platform that can provide small loans for office workers. The maximum is 200,000 yuan, and the minimum daily interest rate is 0.029%. Interest is calculated on a daily basis, which can meet the capital needs of most people. Age 18~55 Office workers with stable jobs and incomes can apply for good loans.
360 IOUs
360 IOU is a star micro-loan platform, with a maximum loan amount of 200,000, the longest term of 12 months, and the monthly interest rate of 0.027%, which can be repaid as you borrow it. Generally speaking, an office worker with a monthly salary of 4,000 yuan can get an initial quota of tens of thousands of yuan with 360 IOUs.