The consumption level has been rising, and life may be in urgent need of funds. Many borrowers prefer to apply. Compared with other loan methods, it is more convenient and faster without the borrower providing collateral. So, who is more likely to get a lot of money?
(1) The borrower has a good professional quality.
Generally speaking, when a bank has high-quality customers, the professional nature of the borrower plays a certain role in the application. Compared with ordinary wage earners, civil servants, teachers, lawyers and other people are more likely to get large sums of money. Although these people can't be included in the high-income list, they have a stable job and a stable income, so they become the first choice for lending institutions to issue large amounts of money.
(2) Higher income
The borrower's higher income, on the other hand, reflects that the borrower has a certain repayment ability, and then, people with high income naturally get a lot of money more easily.
(3) Married persons
Compared with unmarried people, married people are more likely to get a large sum of money, and with the support of their spouses, married people have stronger repayment ability.
(4) can provide proof of assets.
If the borrower has a house and a car under his name, he should take the initiative to show proof before applying for a large sum.
Reminder: Applicants must compare several loan institutions they have chosen, and at the same time choose loan products and loan institutions that suit them according to their actual situation. After the loan application is successful, you must remember to repay the loan on time to avoid putting your credit record in a bad state due to overdue, and at the same time affecting your future loan application.
Who needs it?
Although it looks small, the amount is not necessarily small. Often when money is badly needed, formal existence solves many problems. Usually, possible demanders include these people:
Small and micro business owners and individual industrial and commercial households. Such people are easily refused loans by banks. Banks sometimes dislike not only small scale, but also instability, so it is often difficult to succeed in lending, and the bank loan threshold is high, which is difficult for many self-employed enterprises to achieve. This is also a very important reason.
Personal consumption. This situation is becoming more and more obvious now, because many people's consumption concept has changed to buy first and then pay back, and the money bought first needs to be borrowed from somewhere. It won't be too embarrassing to borrow from friends, and it won't be too troublesome to borrow from banks because there are too many rules and regulations. Therefore, applying for a company has become the best choice.
Early entrepreneurs. Don't think that these people will be taken care of by the bank. In fact, they are the most needy group. After all, not every entrepreneur meets the qualification requirements of venture loan, so venture loan is their lifeline.
Who is the easiest to get?
It is popular now, because credit is the basis and guarantee of loan amount, and the application conditions and materials are much less troublesome than mortgage loans. Many people will give priority to credit loans in times of economic difficulties, so who is the easiest to get? Are you one of these people?
A person with a stable income
This is of course easy to understand. With a stable income, paying back money is naturally more secure. Loan products that evaluate applicants' qualifications by income occupy the mainstream of the market. According to different product design concepts, besides exceeding the income threshold of 1.500- 1 10,000 yuan, the borrower needs to work in the current unit for 3-6 months, which is in line with the financial institution's positioning of "stable work". Fortunately, borrowers who pass the application threshold can get a loan amount of up to 500,000 yuan, but the final amount depends on the borrower's comprehensive score.
Provident fund payer
Those who have a provident fund can basically be regarded as quality customers. Provident fund loan is one of the main products promoted by most banks. In the past, provident fund loans were mainly for civil servants, employees of Fortune 500 companies, lawyers, teachers and other high-end professional customers. Now, with the relaxation of policies and the popularization of provident funds, people from all walks of life are basically eligible to apply.
Simply calculate, according to the ratio of the amount of provident fund deposit to monthly income 12%, as long as the borrower's income reaches 3333 yuan and enjoys the provident fund benefits paid by the unit, he can realize the "triple jump", leave the private lending team, join the bank loan ranks and enjoy the "loan encounter" with low interest.
House slave or car slave
As house slaves or car slaves, that is, people who borrow money to buy a house or a car, institutions are also more willing to provide them with credit loan products.
In the past, Ping An Bank gave priority to the housing slave market and the car slave market, stipulating that users can obtain loan qualification as long as the repayment time exceeds half a year, and obtain loan funds of 30 or 45 times the current monthly payment, with a maximum of 500,000.
Now CreditEase's newly-built Easy Building Loan has also gone to the house slave market. Its business layout is complementary to Ping An Bank. House slaves can apply for loans as long as the repayment time exceeds 3 months, but it is aimed at the market, and the maximum loan funds will not exceed 80 thousand yuan.
policy holder
In the absence of collateral, the insurance policy can also replace a package of trump cards such as work and provident fund, and become a force to promote borrowers to the world. Specifically, as long as the borrower has any policy of Ping An, China Life Insurance and Xinhua Life Insurance, and has paid for three consecutive years, and the annual payment base is not less than 1.500 yuan, he can get a generous sum of money from Ping An Bank.
It turns out that these people are the easiest to get. The average working class has a stable income, and a better unit will have a provident fund, so credit loans are basically not difficult to get. If you apply for a credit loan to buy a car or a house, or have a large insurance policy, you can also apply for a credit loan more easily.
Who is suitable for buying a car with a loan?
Nowadays, it is not difficult to buy a car. Some college students have their own cars for a long time, but buying a car is basically based on needs. Of course, some people just like buying cars. In the way of buying a car, there are also many people who buy a car in full and borrow money.
Nowadays, loan to buy a car has become a way strongly encouraged by many car dealers, and many new car loan businesses have emerged. However, not everyone is suitable for buying a car with a loan. To sum up, there are four types of people who are more suitable for buying a car with a loan.
The first category: people in the early stage of starting a business.
Why is such a person suitable for loan to buy a car? Because entrepreneurs need to improve their appearance at the beginning of their business, it is definitely necessary to buy a car. If they had a car from the beginning, it would be easier to run a business and easier to be recognized. Because of the shortage of funds, borrowing money to buy a car will be the best choice, which can free up capital turnover.
The second category: people with high expected annualized expected return investment channels.
You have to pay interest on the loan. If you have enough ability to pay interest, for example, if you have an investment channel with high expected annualized expected return, and the expected annualized expected return can cover the loan interest, you can consider buying a car with a loan, so that you can use your flexible funds to invest and get more expected annualized expected return.
The third category: people who get married and have children.
It is also necessary for married people with children to buy a car. After all, it is not very convenient to take the children out to get married and take other means of transportation. It is very convenient for a family to travel or go to work with a car. However, such people usually spend a lot of money on daily expenses and don't have much money to pay for the whole car, so it is most appropriate to borrow money to buy a car, which can also spread the pressure of repayment and will not affect their normal life.
The fourth category: people with strong repayment ability.
Whether it is suitable to buy a car with a loan depends on the borrower's own economic income. If he has a stable job and income and strong repayment ability, he can consider realizing his dream of owning a car through a loan if he can't pay the full amount for a while.
In fact, who is suitable for buying a car with a loan? There is no standard answer to this. No matter who wants to get their favorite car through a loan, they can try, but whether they can get a car loan smoothly depends on their personal situation.
Who are the most popular people to apply for loans?
According to the current situation, people favored by financial institutions demand not only high wages, but also stable income. Therefore, civil servants, employees of large state-owned enterprises, top 500 foreign enterprises, listed companies or institutions are the favorite of companies and banks, and their loan amount is generally more than 10 times of salary. Generally speaking, as long as the credit is good, the income is stable, and there is a real estate and a car, the amount can reach 15-20 times. If you are above the cadre level and have a car, you can borrow about 40 times your salary!
The second is the employees of ordinary enterprises, which is also the main force. Its loan amount is generally about 2- 10 times of salary, and most people's loan amount is about 5 times of salary. Have a good credit record and real estate, and the loan amount can reach 10- 15 times the salary.
Therefore, if you are a hot customer of the above-mentioned banks, you will enjoy many preferential conditions when applying for loans. However, you should not be negligent. Borrowers should pay attention to their personal credit records, so that it will be easier to get loans when applying for loans.