Banks have a variety of loans with different amounts.

Second, the specific analysis

Common are credit loans, mortgage loans and secured loans. Office workers can apply for the exam.

1. Credit loan: The maximum credit loan of most banks is 300,000 yuan.

2. Mortgage loan: up to 80% of the assessed value of the collateral provided by the borrower.

For example, a 800,000 house can be mortgaged, and the maximum loan can be 640,000.

3. Guaranteed loan: the general loan amount does not exceed 300,000 yuan, and the maximum loan amount does not exceed 5 million yuan.

No matter what kind of loan, the specific amount depends on the borrower's comprehensive credit conditions.

The first thing to look at is income, which is generally about 10 times of monthly income.

Secondly, it should be evaluated according to the applicant's working hours, unit nature, marital status, personal credit status and economic ability.

The average office worker has worked in the unit for more than 3 years and has been married and educated, which shows that he is relatively stable and has sufficient repayment ability; If there is a credit record on the credit report of office workers, but there is no bad record, and the debt ratio is low, the comprehensive score will be higher.

Banks have to bear low risks, and the higher the loan amount, the better.

If you are not clear about your debt and online loan data, you can get an online loan big data report from Beijian Express, which contains detailed online loan application records, overdue details, blacklists and other data.

3. What financial management methods do office workers have?

There are many financial management methods suitable for office workers, mainly because investors should choose according to their professional level, anti-risk ability, idle time of funds and wait-and-see time.

Common financial management methods include: buying bank financial products, buying funds, buying stocks, and investing in funds.

1. Buy bank wealth management products: The advantage is that the risk is relatively small, and you don't have to look at the market. After maturity, the principal and interest will arrive together.

However, the starting point of some products is 50,000 yuan, which is suitable for office workers with certain savings.

2. Buy a fund: For most office workers, a fund is a very popular product. If you can take certain risks, you can choose stock funds or index funds. Office workers with low risk tolerance choose monetary funds or bond funds.

On the other hand, if you have time to watch the market and have certain analytical ability, you can buy stocks.

3. Fixed investment: For office workers, if they make a fixed investment, many a mickle makes a mickle, and after a long time, their assets will get bigger and bigger.

When choosing a fund, we should choose a fund with good past income, high return rate of fund managers and high investment target.