Personal business loans refer to the recyclable secured loans issued by the Postal Savings Bank to borrowers for their legitimate production and business activities.
What is the loan amount? Understanding clearly can be higher.
When applying for a loan, whether it is used for buying a house, a car or other consumption, apart from the interest rate, I am afraid the most concerned is the loan amount, which is directly related to whether the money can solve the current problem. So what is the loan amount? What factors directly affect it? Please listen to the breakdown.
The credit loan amount means that the bank can determine how much money it can lend you according to your credit in the bank or society. At this time, we will hear a word called "credit limit"
The so-called credit limit is actually how much money the bank can give you at most in a certain period of time.
The loan amount means that you can borrow as much as you want within this credit amount.
For example, after approval, Mr. Li's credit line in a bank is 654.38+10,000 yuan, and he only needs to borrow 40,000 yuan, so his loan line is 40,000 yuan. The remaining 60,000 yuan can be withdrawn within the validity period as long as he does not violate the loan contract.
Of course, the amount that everyone can borrow from the bank is different, so what factors affect it?
1. Personal credit
Personal credit can be said to be one of the important criteria for banks or lending institutions to decide your loan amount. Before reviewing the loan application, you will check your credit status. If you find that there are three overdue loans in a row, it is basically difficult to get a loan after six overdue loans, not to mention the amount.
2. Occupation and income
When applying for a loan, the occupation attribute and income you fill in will actually affect your loan amount. Such as civil servants, teachers, doctors, business managers, etc. You can apply for a higher quota, and salespeople and service personnel can apply for a lower quota. Because the stability of your job directly affects your repayment ability, and it is self-evident that the higher your income, the more you can repay your money.
3. Debt
Debt situation is also an important criterion to measure repayment ability. If the debt is too high, it is difficult to get new loans. We can look at the debt ratio through a formula: debt ratio = total liabilities ÷ total assets. Some banks will refuse to lend money in the face of 30% debt. Relatively speaking, people with low debt ratio will have higher loan quotas.
What is credit line?
Credit line refers to the loan line given to you by a bank or institution after a comprehensive evaluation of your credit qualification. Credit line, also known as "credit line", is the maximum amount allowed by the borrower in the agreement signed between the borrower and the bank. However, this provision is not legally binding. If the bank lacks credit funds or the customer's financial situation is poor, the bank can change the credit limit or refuse to provide loans according to the situation. The credit line is the maximum loan limit stipulated in the agreement signed between the borrower and the bank, and the validity period of the credit line is usually 1 year.
Under normal circumstances, within the credit line, you can use the loan as needed at any time. However, banks are not obliged to issue loans. If your reputation deteriorates, you may not get a loan even within the credit limit. At this time, the bank will not bear legal responsibility.
Credit limit management table:
The credit line management mode is different in different periods.
Since 1985, the annual loan limit management is mainly controlled by the People's Bank of China according to the demand for credit for national economic growth, and the total amount of credit is formulated and then distributed to the specialized banks. According to the comprehensive credit plan approved by the state and the principle of "unified planning, fund division and actual deposit and loan", the head office of each bank puts forward the branch loan allocation plan and reports it. Accordingly, the head office of the People's Bank of China issued a loan notice, and branches of the People's Bank of China issued loans to branches of specialized banks according to the capital needs and payment schedule.
Specialized bank branches must use credit funds within the loan amount approved by the superior bank, and shall not break through without authorization. If the branches of specialized banks have short-term difficulties, they can adjust funds horizontally within the specialized banking system to adjust the surplus and deficiency. If there are still difficulties, you can apply for temporary loans to the branches of the local people's bank. However, if the super loan plan is needed at the end of the year, an application must be made to the headquarters in advance, and the loan amount can be increased after approval.
For departments and industries that are related to the national economy and people's livelihood and need to support development, when formulating credit plans, we should implement a credit-leaning policy and increase the scale of loans to these departments in a planned way. For some special departments and industries that need support, preferential treatment will be given in terms of loan quantity and interest rate. Since 1986, this method has been gradually improved. Loans are subject to "quota management" and quarterly monitoring. The maximum loan limit is approved once every quarter.
What do you mean by credit line?
Credit line, also called credit line, refers to the loan line given to you by a bank or institution after a comprehensive evaluation of your credit qualification. Credit line, also known as "credit line", is the maximum amount allowed by the borrower in the agreement signed between the borrower and the bank. However, this provision is not legally binding. If the bank lacks credit funds or the customer's financial situation is poor, the bank can change the credit limit or refuse to provide loans according to the situation. The credit line is the maximum loan limit stipulated in the agreement signed between the borrower and the bank, and the validity period of the credit line is usually 1 year.
Under normal circumstances, within the credit line, you can use the loan as needed at any time. However, banks are not obliged to issue loans. If your reputation deteriorates, you may not get a loan even within the credit limit. At this time, the bank will not bear legal responsibility. Credit limit management table:
The credit line management mode is different in different periods.
Since 1985, the annual loan limit management is mainly controlled by the People's Bank of China according to the demand for credit for national economic growth, and the total amount of credit is formulated and then distributed to the specialized banks.
According to the comprehensive credit plan approved by the state and the principle of "unified planning, fund division and actual deposit and loan", the head office of each bank puts forward the branch loan allocation plan and reports it. Accordingly, the head office of the People's Bank of China issued a loan notice, and branches of the People's Bank of China issued loans to branches of specialized banks according to the capital needs and payment schedule.
Specialized bank branches must use credit funds within the loan amount approved by the superior bank, and shall not break through without authorization. If the branches of specialized banks have short-term difficulties, they can adjust funds horizontally within the specialized banking system to adjust the surplus and deficiency. If there are still difficulties, you can apply for temporary loans to the branches of the local people's bank. However, if the super loan plan is needed at the end of the year, an application must be made to the headquarters in advance, and the loan amount can be increased after approval.
For departments and industries that are related to the national economy and people's livelihood and need to support development, when formulating credit plans, we should implement a credit-leaning policy and increase the scale of loans to these departments in a planned way. For some special departments and industries that need support, preferential treatment will be given in terms of loan quantity and interest rate.
Since 1986, this method has been gradually improved. Loans are subject to "quota management" and quarterly monitoring. The maximum loan limit is approved once every quarter.
What are the determinants of credit line?
1, liabilities
A person's credit limit has an upper limit in every bank or financial institution;
If you apply for a loan from a bank, you can check the debt situation. If it has exceeded the maximum amount approved by the bank, you can either not approve it or give it a small amount!
2. Credit investigation
The amount of white households (who have never used credit cards) is not high, because there is no trace of borrowing from banks or formal financial institutions; What is the reference significance of credit investigation?
It can not reflect the stable repayment record for a period of time, and it is difficult to judge whether it has a good credit record. Therefore, although the white household has no debt, the loan amount applied for will not be very high!
The quality of personal credit repayment records and the number of inquiries also determine the level of some credit lines;
People with good credit records will naturally have higher credit limits than those who are often overdue or seriously overdue;
Credit records show that people who have a series of "inquiry records", for whatever reason, will give the approver a low impression when approving loans, and the amount will naturally be greatly reduced!
What is the credit limit? I believe everyone knows that I hope to gain something.
What is the loan amount?
The loan amount refers to the loan amount provided by the bank to the borrower in the form of money. Unless otherwise specified by the People's Bank of China, China Banking Regulatory Commission or other relevant departments of the state, the personal loan amount can be determined according to the amount of mortgage guarantee, pledge guarantee and guarantee guarantee provided by the value of the property purchased by the applicant, as well as the credit standing. According to the document of Guofa [20 10] 10, the first self-occupied house with a construction area of 90 square meters was purchased.
For the above-mentioned families (including borrowers, spouses and minor children), the down payment ratio of loans shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. The People's Bank of China and the China Banking Regulatory Commission should guide and supervise commercial banks to strictly manage housing consumption loans.
Lenders should establish a personal loan risk limit management system according to the dimensions of region, variety and customer base. Risk limit refers to the upper limit of total risk control set by banking financial institutions according to the external business environment, overall development strategy and risk management level, aiming at specific regions, industries, loan varieties and customers, so as to reflect the risks at the whole institutional portfolio level, and it is the highest limit of risks that banking financial institutions are willing to bear in specific fields.
Global Ivy Friendship Tip: The above is [What is the loan amount? ] the answer to the question, I hope it will help everyone!
This is the end of the introduction of what is bank loan and what is bank loan. I wonder if you found the information you need from it?