1. Credit rating: Rural commercial banks will evaluate personal credit, including repayment records and credit information. If the credit rating is good, the loan amount may be higher.
2. Repayment ability: The rural commercial bank will consider the repayment ability of the applicant and evaluate it according to the burden of income and expenditure. The annual income is1200,000, and the repayment ability is strong, so there may be a higher loan amount.
3. Loan interest rate and term: The loan amount is also affected by the loan interest rate and repayment term. Different banks, different products, different interest rates and different maturities may have an impact on the loan amount.
4. Other factors: In addition to income flow, rural commercial banks may also consider other factors such as collateral value and debt ratio.
Summary: According to the annual income1200,000, the loan amount may be higher, but the specific amount needs to be determined according to the credit loan policy of rural commercial banks, personal credit rating, repayment ability and other factors. The loan amount may be affected by interest rate, term and other factors. For more details, please consult the specific rural commercial bank.
Extended data:
The credit loan policies of different banks and regions may be different. It is suggested to consult local rural commercial banks or banking institutions according to the actual situation to obtain accurate loan amount information.