Generally speaking, the amount of personal credit loans applied by banks is generally about ten times the monthly income of individuals. To obtain a larger quantity, it is related to the following factors:

1, personal credit record. Generally speaking, borrowers with good credit records get a higher loan amount than borrowers with blank or "stained" credit records.

2. Professional nature. Civil servants, teachers, state-owned enterprises, institutions and other employees have stable incomes, and lending institutions bear less risks for their lending. Of course they are willing to give high loans.

3. income. The amount of loans has a lot to do with personal monthly income. The higher the general income, the more stable it is, and the higher the loan amount, and vice versa.

4. Proof of effective financial resources. If the borrower's income is not very high, but he can provide valid financial certificates such as real estate license and vehicle driving license, it will also help to obtain a high amount (note: financial resources such as real estate and vehicle production will not be mortgaged, but only used as loan auxiliary materials).

Second, how to apply for a large loan from the bank?

If you want to apply for a large loan from a bank, you must first see whether you have met the requirements set by the bank. Note that the requirements for large bank loans are generally strict.

Secondly, it is necessary to prepare relevant materials according to the regulations of the bank, such as ID card, household registration book, utilities, work permit, bank payroll, tax payment certificate, social security payment certificate, and assets and financial certificates such as deposit slip, real estate license and automobile driving license. All these materials should be prepared as well as possible.

Also, because the amount of the loan applied for is large, it is best to apply for a mortgage loan or a secured loan. If you choose to apply for a credit loan, you may not get much money. Therefore, if the customer has something of certain value, it can be used as collateral; Or directly find a person with good credit to guarantee his loan, or find a professional guarantee company.

Of course, the most important thing is to ensure good personal credit. If personal credit is bad and there is a bad credit record in the credit investigation, it will be very difficult to apply for a loan, and the possibility of loan rejection is very high.

3. How do enterprises apply for high credit loans from banks?

Now the bank will have a corporate loan project. As long as the enterprise meets all the requirements of the bank, what are the conditions for the loan procedure? How should I apply for a loan? Here, this website will tell all friends who want to borrow money one by one. How do enterprises apply for high credit loans from banks? How do enterprises apply for high credit loans from banks? Related comments: Now banks have relaxed their loans to enterprises; Relax the types of loans and encourage banks to issue credit loans under the premise of controllable risks; In addition to all kinds of loans, it also introduces various credit businesses such as letters of credit and bill acceptance; Relax the scope of collateral, banks can pledge property rights in intellectual property rights such as commerce and copyright, and mortgage and pledge personal property of small business owners or major shareholders; Relax the guarantee conditions, such as the counter party's property and guarantee, the joint guarantee of the business owner, the guarantee of the economic consortium, and the new loan guarantee forms such as replacing the guarantee with export credit insurance. At present, enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stock certificates of deposit, gold, discount of bank acceptance bills, discount of commercial acceptance bills, interest paid by the buyer or agreement, and trust loans of export tax refund accounts. Guarantee institutions mainly engaged in credit guarantee business of small business loans can be established according to law. The government can provide credit guarantee for small businesses with special funds or jointly with other investors, and entrust guarantee institutions to operate businesses with government development potential, assist them to obtain bank loans, and support and promote the rapid and healthy development of small businesses. Enterprise credit loans credit loan refers to the loan issued by the bank with the credit of the borrower, and the borrower does not need to provide guarantee. According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans. 1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive). Long-term loans with a term of 65,438+0 years (excluding) to 5 years: refers to fixed assets loans during the loan period. Fixed assets loans refer to medium and long-term loans issued by banks to borrowers for investment in fixed assets projects. Decoration loan by loan purpose: 1. Capital construction loan: refers to the medium and long-term loan approved by the competent department for capital construction projects. A capital construction project refers to the sum of one or several single projects according to the overall design, including new projects, expansion projects, factory relocation projects, restoration and reconstruction projects, etc. 2. Technical transformation loans: medium and long-term loans for approved technical transformation projects. Technical transformation project refers to the renewal and transformation project that adopts new technologies, new equipment, new processes and new materials to popularize and apply scientific and technological achievements on the basis of the original production and operation of enterprises. Enterprise mortgage loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration. Excuse me, can you say that credit loans are provided to private enterprises? Question: I am working in a private enterprise now, but my monthly salary can meet the loan standard. How do enterprises apply for high credit loans from banks? Related comments: depending on which region you are in, the loan starting conditions in each region are different. Generally speaking, it is enough for the bank to have a stable flow of water for several months. How do enterprises apply for high credit loans from banks? How do enterprises apply for high credit loans from banks? Loan target: China citizens with full capacity for civil conduct aged 18 to 60. 2. Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating. 3. Loan term: the mortgage line is valid for up to 5 years; The expiration date of the validity of the pledged amount shall not exceed the expiration date of the pledged right, and the longest period shall not exceed 5 years; Credit line and guarantee line are valid for 2 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit. 4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank; 5. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB. 6. Application materials to be provided: (1) Original and photocopy of the borrower's valid identity certificate; (2) proof of local permanent residence or valid residence identity (3) proof of borrower's loan repayment ability. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc. (4) The list of pledge, collateral and ownership certificate required by the borrower to obtain the amount of pledge and mortgage, and the written document of the owner and property * * * agreeing to pledge and mortgage. (5) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount. (6) Credit certification materials of the guarantor. (7) Collateral appraisal report issued by the appraisal department recognized by the society; (8) Handling channels and procedures for other documents and materials specified by CCB 1. Handling channel: handling personal car loan business through CCB branches. In some large and medium-sized cities, the auto finance service center set up by CCB specializes in personal auto loan business, and the personal loan center is also a professional accepting institution for auto loans. 2. Handling process: ① Acceptance. The handling personnel introduce the application conditions, term, interest rate, guarantee, repayment method, handling procedures, default treatment and various expenses that the borrower needs to bear to the customer, and conduct a preliminary examination of the loan conditions, qualifications and application materials of the borrower. ② Investigation. According to the relevant regulations, investigators take reasonable measures to investigate the authenticity of the materials submitted by customers and evaluate the applicant's repayment ability and willingness. 3 recognition. Authorize the approver to finally approve and determine the comprehensive credit line and the validity period of the line according to the customer's credit rating, mortgage, pledge and guarantee. 4 distribution. After the loan conditions are implemented. According to the demand for funds, customers can apply to the bank for withdrawal quota at any time. ⑤ Post-loan management. The loan bank shall, in accordance with the relevant provisions of loan management, supervise and inspect the income status, loan purposes, changes in collateral value and performance status of borrowers and guarantors, and the inspection results shall be recorded in writing and filed. Supervise the guarantee or credit of the guarantor or borrower, and ask the borrower and guarantor to provide help. ⑥ Loan recovery. According to the repayment plan and repayment date agreed by the borrower and the borrower in the contract, the loan bank deducts it from the agreed repayment account. The borrower can also repay the loan at the business outlets of the loan bank. Internet hot search words: enterprise credit loans, China Merchants Bank credit card loan, credit loan, China Construction Bank credit loan, bank letter.