First of all, the threshold for professional exclusive loans is relatively "rigid". This kind of loan is aimed at a specific group of people. It is clear who to lend the loan to and what its name is. This is like a "chef loan" that can only be lent to chefs, but not teachers.

Moreover, not every bank has professional loans, just like some banks have "chef loans" but no "teacher loans", and some banks have "teacher loans" but no "chef loans". In short, this kind of loan is not as popular as ordinary loans, and it is more common in small banks in some places.

And the people facing professional exclusive loans are also "special". It must be found that cooks, teachers, civil servants and other jobs not only have stable jobs, but also have higher incomes. Therefore, the stable income and strong repayment ability of these positions have become the main goals of professional exclusive loans.

Secondly, professional exclusive loans do not require houses and cars as collateral. Most of them have credit guarantee. This procedure is transparent and convenient. In the eyes of banks, civil servants and teachers are not afraid of having no money, with high credit quality and naturally low loan threshold.

Of course, although the professional exclusive loan threshold is relatively low, the loan amount has not shrunk. Generally speaking, the amount of professional loans and personal credit loans is basically between 654.38+10,000 yuan and 300,000 yuan, which can fully meet the loan needs of specific occupations.

Finally, compared with ordinary loans, professional special loans are more risky. Credit loan is a double-edged sword. On the one hand, lower the threshold and attract more lending institutions. On the other hand, the lending institution may relax the examination, which will lead to the phenomenon of borrowers' multi-credit, which will eventually lead to bad debts. Therefore, the risk of professional exclusive loans is not small.

(The above content was collected and sorted by top-notch me)