High-end loan crowd: How to apply for a personal credit loan High-end loan crowd often choose to borrow from credit companies for some reasons, but in the face of a dazzling array of personal credit loan products, how to make the right decision? Choice, which can not only control loan costs but also enjoy more flexible terms and amounts as much as possible, has become a major difficulty for borrowers. According to our investigation into the more mainstream related loan products, we learned that credit loans are actually very customer-specific, and it is not difficult to successfully connect with loan products that suit you. Next, ****Financial Management Network teaches high-end loan people: how to apply for a personal credit loan. Of course, as for more credit loan products, the high thresholds they set are beyond the reach of ordinary people. For credit loan products owned by Bank of China, ICBC, Bank of Communications, China Everbright, China Merchants and other banks, the expected annual interest rate of the loan mostly revolves around the benchmark expected annual interest rate, and there are no account management fees. The cost of the loan can be effectively controlled, but not everyone can Get a loan. Take ICBC as an example. Its credit loans are based on expected annualized interest rates, and the loan term can even be as long as 5-6 years. However, its borrowers are limited to high-end groups such as deputy director-level and Fortune 500 executives, and treatment is significantly differentiated. Features: High standards and low cost are the common attributes of the credit loan products of these five banks. Since they are only open to high-end customers recognized by each of the five banks, these five products are not universal. The five banks are more cautious in their approach to credit loan business and pay more attention to loan quality and risk control. However, if you belong to a high-end group, it will undoubtedly be easier for you to find the best choice of unsecured financing. Key points to note when applying: Financing threshold, ready to apply for a credit loan, but don’t know how to find a breakthrough? This situation is actually not difficult to resolve. First, make sure your personal qualifications match the loan product. Relatively speaking, the application conditions for city commercial banks and foreign-funded banks are relatively loose, while the application conditions for state-owned commercial banks and joint-stock commercial banks are more stringent. Selecting the right loan product and then checking your qualification details one by one is the most appropriate preparation for credit loan application. Secondly, the loan amount should be appropriately determined. Generally speaking, borrowers with ordinary qualifications can obtain 4-6 times the monthly income of the loan amount, and better quality groups such as civil servants, state-owned enterprise employees, employees of Fortune 500 companies, and teachers can obtain 6-8 times the monthly income, while corporate executives, VIP customers, etc. It is expected to gain 10 times. In addition, repayment pressure must be reasonably controlled. After determining the loan amount, you have to look at your repayment pressure. You should remember that the monthly repayment amount should not exceed 1/2 of the monthly income of the cardholder. This is also the bank's assessment of the borrower's repayment pressure. One of the important standards.