Personal loan of 200,000 yuan can be borrowed in the following ways:

1. If you have a house with a value of more than 300,000, you can apply for a mortgage loan of up to 200,000 in the bank. Required information: ID card, marriage certificate, household registration book, income certificate, bank account, property right certificate, land certificate, and married information of both parties.

2. enterprise credit loans needs a business license for one year, and the income is good. You need information: ID card, marriage certificate, household registration book, business license, tax registration form and bank account number.

3. Credit loan. A credit loan of 200,000 yuan is very demanding. Borrowers are cadres at or above the civil service level, executives of top 500 enterprises, doctors and teachers. Required information: ID card, marriage certificate, household registration book, income certificate and bank account.

Two. Requirements for personal loan of 200,000 yuan:

In addition to the basic conditions of the loan, the following prerequisites are required:

1. If you want to borrow 200,000 yuan, you can apply for a credit loan or a mortgage loan. Generally speaking, if you want to borrow a credit loan of 200,000 yuan, the personal qualification requirements of the applicant will be very high. Usually, the maximum amount of credit loan can reach 10 times the applicant's monthly income, so the higher the applicant's income, the higher the amount you can get.

2. If the income can't reach the standard of 200,000 yuan, you can apply for a mortgage loan. Common collateral includes: real estate, automobile production, etc. The maximum amount of a general mortgage loan is about 70% of the assessed value of the collateral.

3. When making loans, banks often consider borrowers from the aspects of personal credit information and salary flow, and then decide whether to provide loans and how much to provide. Bank flow is divided into: salary flow, transfer flow and self-storage flow.

4. Running wages are mainly paid through banks, which refers to the borrower's salary income after deducting taxes, five insurances and one gold, and can be used to reflect whether the nature of the borrower's work is stable.

5. Transfer flow refers to the money transferred in and out through the counter or online banking. If there is a fixed transfer flow every month, the borrower will also be recognized by the bank.

6. Self-saving running water refers to the money transferred from the borrower's cash or the running water transferred from the borrower's own bank card.

Extended data:

1. Personal credit loans refer to RMB credit loans issued by banks to borrowers with good credit without providing guarantee. The purpose is to provide unsecured RMB credit loans to solve the temporary consumption or business needs of borrowers. The loan amount is less than 500,000 yuan, and the loan period is generally 1 year, and the longest is not more than 3 years.

Two. Basic conditions for personal credit loans:

1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

2. For China citizens who have reached the age of 18 and have full capacity for civil conduct, the sum of the borrower's age and the loan term shall not exceed 60 years old;

3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

4. Abide by laws and regulations, and have no illegal acts and bad credit records;

5. There is no bad record on the national credit record;

6. Other personal credit loan conditions stipulated by the bank.

What is the best loan for a loan of 200,000 yuan?

People often need a lot of money in their daily life. For example, if you want to borrow 200,000 yuan, metropolises choose bank loans, and the interest and amount of bank loans are relatively high. However, the threshold for bank loans is already relatively high, and personal loans of 200,000 yuan are definitely more difficult. So, what can be done to make the loan more successful? Let's have a look.

When an individual borrows 200,000 yuan from a bank, he must choose the appropriate loan type, such as credit loan and mortgage loan. And the requirements for borrowers are different.

1, credit loan

It is the mainstream loan method, which depends entirely on personal economic strength and credit application. Because of the high risk and high requirements for borrowers, most bank VIPs have the opportunity to borrow 200,000 yuan, and they pay more attention to the nature of borrowers' work, such as civil servants, institutions and employees of top 500 enterprises.

Nine times out of ten, ordinary people will run into a wall when they directly ask for bank loans, and they can borrow money indirectly with credit cards. Many banks have exclusive cash installment quotas for high-quality cardholders, with a maximum of 200,000, such as China Merchants Bank e-loan, CITIC New Express, and Pudong Universal Fund. It will be easier for each bank to borrow tens of thousands and make up 200 thousand. Credit card in advance, no bad credit.

2. Mortgage loan

This is a common way to get the highest pass rate of large loans, which refers to the use of real estate and shops with property rights that can be circulated in the market and meet the conditions of bank mortgage loans as collateral for loans. Such loans are usually issued according to the assessed value of collateral, and in the case of real estate, the maximum loanable value is 80%.

After the loan of 200,000 yuan is approved, don't forget to repay it on time, otherwise the collateral will be auctioned to recover the loan.

What should I do if I urgently need a loan of 200,000?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to China Merchants Bank's mobile banking and click "My → All → Loan" to try to apply or see if you meet the application conditions (whether you can get the quota or whether the loan is successful depends on the system evaluation results).

Tips:

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.

3. There are two ways to apply for a loan within the lightning loan limit:

(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.

(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.

5. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old.