Basic conditions for a loan of 500,000 yuan: 1, borrower 18 years old and under 60 years old, with legal status; 2. The borrower has good credit information; 3. Work certificate; 4. Proof of bank flow in the last six months; 5, have the ability to repay the loan principal and interest; 6. Being able to provide effective guarantee recognized by the loan bank; 7. Other conditions stipulated by the bank.

Users can consult different banks when handling loans at banks, so that they can know which bank offers low interest rates and then choose the bank with low interest rates. It is worth mentioning that different loan types have different loan interest rates and different conditions.

Users must repay the loan on time after handling it, and there can be no overdue situation, because there will be penalty interest after overdue, and the longer the time, the more penalty interest. Moreover, overdue records will be uploaded to the credit information center, and personal credit information will affect the application for various loans, such as car loans or mortgages.

If the user fails to repay the loan for a long time, the bank will collect it, then the bank will borrow it again, and it must be returned after the judgment, otherwise the application will be enforced. In fact, when the loan can't be repaid on time, you can apply to the bank for an extension, and generally you will get the bank's consent after explaining the difficulties.

How can I get a loan of 500 thousand without a house and a car?

Banks can borrow up to 500,000 large credit loans. As long as the lender meets the requirements, has a stable job and income, and has good personal credit, it can apply. In addition, no house and no car means that the lender has no collateral and cannot apply for a mortgage loan. Then as long as there is a guarantor, you can apply for a secured loan, and the secured loan can reach 500,000.

Users can choose banks with frequent financial transactions to apply for loans as much as possible, because banks are more willing to provide loan services for active users.

How to borrow a personal loan of 500 thousand? Choose the right loan method

Many people are in urgent need of a large sum of money and always want to borrow money, so they should choose the appropriate loan methods and channels in combination with the loan amount and their own conditions. For example, someone will ask how to borrow a 500,000 personal loan. Let's briefly introduce it today.

How to borrow a personal loan of 500 thousand?

Although banks and many financial institutions can provide loan services, few financial institutions can provide loans of 500,000 yuan except banks. However, if you want to borrow 500,000 yuan from the bank, you must first have a clear understanding of your own conditions, and then choose the appropriate loan method, such as credit loan or mortgage/pledge loan.

There are two aspects to analyze here, that is, those with assets and those without assets.

1. If there are no assets in the name, credit loans are preferred, but ordinary credit loans cannot provide a high amount of 500,000 yuan. However, some banks can provide provident fund credit loans and social security loans.

For example, the maximum amount of provident fund credit loans, such as Minsheng Bank Gong Xi Credit Loan and Guangfa Bank Provident Fund Credit Loan, is 500,000. Based on the user's provident fund deposit information, combined with personal credit information, comprehensive evaluation and credit granting are carried out.

For example, social security loans, Minsheng Bank, Ping An Bank, etc. all have credit loan businesses tailored for social security customers, with a maximum amount of 500,000. Based on the user's social security deposit information, combined with personal credit information and repayment ability, the evaluation procedure is carried out.

2. If you have assets in your name, such as documents of houses, cars and wealth management products, you can apply for mortgage/pledge loans if you want to borrow 500,000 yuan.

However, it should be noted that the loan amount depends not only on the borrower's credit status, but also on the assessed value of the assets used for mortgage or pledge, which is generally about 70% of the assessed value, that is to say, at least a house or a car of about 800,000 is needed to do it.

The above is the introduction of "How to get a loan of 500,000 individuals". In short, a personal loan of 500,000 yuan is relatively difficult. Usually only people with strong economic strength and rich assets can borrow it. But borrowers have their own businesses, so it is relatively easy to apply for corporate loans.

How do ordinary people borrow 500 thousand

A loan of 500,000 yuan generally requires a mortgage loan. Loan conditions for applying for mortgage loan:

1, with legal status;

2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record;

3. There is a legal and effective purchase contract;

4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

5. If a mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;

6. Being able to provide effective guarantee recognized by the loan bank;

7. Meet other conditions stipulated by the lending bank.

8. Housing mortgage loans can be loaned to 69 years old according to age.

If you go to the bank for a loan of 500,000 yuan, you must first understand your own conditions, and then choose the appropriate loan methods, such as credit loans and mortgage loans. First of all, answer from two aspects:

1. If there are no assets in the name, credit loans are the first choice, but ordinary credit loans cannot provide a high amount of 500,000 yuan. But some banks can provide provident fund credit loans and social security loans. For example, the maximum amount of provident fund credit loans such as Minsheng Bank Provident Fund Credit Loan and Guangfa Bank Provident Fund Credit Loan is 500,000. According to the user's provident fund deposit information and personal credit information, comprehensive evaluation and credit expansion are carried out.

For example, social security loans such as Minsheng Bank and Ping An Bank all have credit loans tailored for social security customers, with a maximum amount of 500,000. Investigation and repayment ability.

2. If you have assets in your name, such as houses, cars and financial product documents, you can apply for a mortgage loan of 500,000 yuan.

However, it should be noted that the loan amount depends not only on the borrower's credit status, but also on the assessed value of the assets used for mortgage or pledge, which is generally about 70% of the assessed price, that is, at least 800,000 houses or cars are needed to realize it.