2. Kouzi House: The maximum loan amount provided by Kouzi House to users is 200,000 yuan, and the longest service period is 36 months. Applicants must be aged between 22 and 49, have more than 6 bills on their credit cards, and be able to submit personal information such as ID card, work information, mobile phone operator, face recognition, etc.
3. Second-letter loan: Second-letter loan is only provided to users who have applied for housing loans or mortgage loans in China CITIC Bank. Applicants need to be between 20 and 55 years old and pay personal income tax or provident fund for two consecutive years. The maximum amount of the next paragraph is 300,000 yuan, and the longest service period is 12.
4. Arbitrary consumption: At present, arbitrary consumption is systematically reviewed, so as long as it can pass smoothly, the loan will be released as soon as possible. The limit is basically within 1 0,000 yuan, and the service period is 3- 12. Applicants must be between 23 and 45 years old, have used real-name registration system mobile phone number for more than 6 months, and can submit personal information such as ID card, mobile phone operator and bank card.
1. The technical term is called credit scale or plan gap. Both of them can be commonly called "Kouzi", but they have different meanings. The credit scale refers to "how many loans can be released", and the planned gap refers to "how much needs to be released and how much has not been released". Generally speaking, the former is a hard indicator. Workers, farmers, construction companies and other large banks often encounter this problem. Customer banks that are short of money cannot lend because of scale restrictions, and the latter is an operating indicator. Small banks and private lending organizations often involve this issue.
2. Lending: A certain proportion should be maintained between the deposits accepted by banks and the loans issued. If an enterprise wants to borrow money from a bank, but it can't issue any more loans due to the limitation of the deposit size of the bank, the enterprise will find some rich people or enterprises (so-called bank bosses) and deposit the money in the bank, so that the bank can issue loans to the enterprise. The enterprise will give the bank boss some cash compensation to increase the income of the bank boss's deposit. Among them, the enterprise seeking loans is called Kouzi.