The first loan for newcomers can be divided into two situations, one is limited to the first loan application, and the other is the so-called white household, which has never handled any financial business. The corresponding quota and loan success rate in these two situations are different. So what is the maximum amount of the first loan? How much can I borrow for the first time?

1, the first loan

I haven't made loans before, but only handled banking, credit cards, internet finance small loans and other businesses, so the general quota of such users will not be too low. I suggest looking for a credit platform and a formal and reliable lending institution to handle the loan. The first loan amount will be higher.

The reason is that they can see your credit card application and transaction records through personal credit records. With reference, they can give you a credit rating, depending on the upper limit of the loan platform. It is also very good to approve tens of thousands of credits.

If the initial credit limit of such users is too low, it may be that your personal credit record is not good-looking, too many credit cards are processed, credit cards are rejected, credit cards are overdue, and other banking services are in breach of contract. And it is possible that the credit limit will be very low or even your loan application will be rejected directly.

2. The first loan of a white family

White households are divided into pure white households and white households. A white household refers to a person who has an application record but ultimately has no credit card or loan record for various reasons. A pure white household refers to a person who has not applied for a credit card or loan, has not applied for banking business, and has little information for banks to refer to.

Banks can't see the situation of loans and repayments through your transactions and credit records, and they can't know your credit status, so for the sake of caution, generally speaking, the first batch of quotas will be relatively low.

Unless you have very good personal qualifications, such as high income, a house and a car, the first loan amount will be very high. Users under this condition generally need a lot of money, and business needs capital turnover.

Generally speaking, the above analysis is mainly based on the fact that newcomers have no personal credit record. If it is the first time to apply for a small loan, there is no need to check the credit information of the small loan, then all users who apply for this small mobile phone loan are the first time to borrow, depending on their personal work income. Introduce several small loan platforms with acceptable quotas for your reference.