Compared with other people, office workers can be said to have the most stable income. Therefore, when lending institutions face this group, the handling of loan business will become smoother. Especially in state organs, institutions and large state-owned enterprises, office workers are high-quality customers of bank loans. So, what are the types of loans suitable for office workers?

1, personal comprehensive consumption loan

2. Personal housing mortgage loan

If the borrower has the ability to pay the down payment, and the income reaches twice the monthly repayment amount (generally required), and the credit is good, office workers are more suitable to apply for personal mortgage housing loans. The expected annualized interest rate of mortgage loans generally fluctuates on the basis of the benchmark expected annualized interest rate or is directly implemented according to the expected annualized interest rate.

3. Personal credit loan

The requirements for credit loans are simple. Office workers can apply for loans as long as their monthly income reaches more than 3,000 yuan and their online work time is more than half a year. If the borrower goes directly to the bank, there are still certain requirements for personal credit, and it is difficult to apply for a loan after the deadline.

4. Private lending

If the borrower's credit record is not very good, the bank can't handle the loan, and office workers can also find private loans. However, such loans generally have high interest rates.

Minimum application conditions-credit loan

The most widely used-personal comprehensive consumption loan

For office workers, personal comprehensive consumer loans are the most widely used loans, and the amount is also considerable. Lenders can use this loan to decorate, buy a car, get married and so on. Personal comprehensive consumption loan is the most practical type, but the interest is a bit high, and the bank will ask the lender to provide proof of the use of the money.

The biggest cost-private lending

Generally speaking, office workers will choose bank loans, but due to some special circumstances, when they cannot meet the strict conditions of bank loans and need money urgently, office workers can choose private loans. Private lending has a low threshold, fast lending, and is relatively flexible and fast, but the biggest drawback of private lending is that the cost is too high. Unless absolutely necessary, it is best not to choose private lending.