The loan conditions of self-employed, which bank can give loans to self-employed;

Many self-employed people start their own businesses as bosses, and when they encounter some jams more or less in the process of operation, they need to go to the bank for loans. The income of self-employed individuals is not very stable, so it will be more difficult to apply for general loans. Fortunately, many banks have self-employed loans. Let's see what they have.

I. Agricultural Bank-Personal Employment Loan

A secured loan product issued by the Agricultural Bank of China can be applied by individual industrial and commercial operators, sole proprietorship investors, partnership partners, small and micro enterprise owners, etc. , a single family can get a loan amount of 6,543,800 yuan, with a maximum term of 5 years.

Two. Industrial and Commercial Bank of China-Personal Commercial Loan

ICBC provides customers with RMB secured loans for business activities, with a maximum amount of 3 million yuan, which can be applied once and recycled for up to 3 years.

Three. Bank of Communications-Personal Commercial Loan

The RMB loan granted by Bank of Communications to individual industrial and commercial households or actual controllers of enterprises for the flow of production and business activities has a maximum credit line of 6,543,800,000 yuan, a short-term working capital loan term of no more than 654.38+0 years, and an individual medium-and long-term working capital loan term of no less than 654.38+0 years and no more than 5 years.

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How much can an individual borrow from a bank?

The specific loan amount should be determined according to the actual situation of the borrower. Good and stable credit income is conducive to the increase of credit line.

1. Use your ID card to borrow money from the bank. Generally, the maximum loan amount is 300,000 yuan.

2. For ordinary wage earners, the actual loanable amount is basically around 654.38+10,000 yuan.

The personal loan amount is usually about 10 times of personal monthly income. The high allocation quota is 654.38 million, but the specific situation needs to be closely related to the local urban economic development level and personal qualifications.

What is the maximum amount of personal credit loan?

Credit loans can reach up to 500 thousand.

Credit loan refers to the loan issued by the borrower's reputation, which is characterized by the fact that the debtor can obtain the loan only by virtue of his own reputation without providing collateral or third-party guarantee.

Due to the different qualifications of lenders, the amount of loans available is also different, and the bank will review and evaluate according to the personal data provided by the applicant.

The process of credit loan is usually as follows: loan application → loan investigation → loan approval → loan contract signing → loan issuance → post-loan management → loan return, etc.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the basic principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

How much can ordinary people borrow? The available loan amount varies with different loan methods.

Before submitting the loan application materials to the bank, the borrower is worried that the loan amount he has applied for is too high, fearing that the bank will not agree. Many borrowers have consulted, how much can ordinary people borrow? Different loan methods are selected, and the loan amount you can apply for is also different. Let's have a look!

How much can ordinary people borrow?

1, credit loan

Borrowers go to the bank to apply for personal credit loans without providing any mortgage or guarantee. Generally, they can only apply for a maximum of 200,000 yuan. If the personal qualifications are average, most people can only apply for a quota of1-50,000 yuan. If you want to apply for a quota of more than 654.38 million yuan, you may need to become a VIP customer of the bank.

2. Mortgage loan

If the borrower applies for a mortgage loan, then the maximum amount of the loan should be determined according to the value of the collateral. Generally speaking, banks will have special cooperative evaluation institutions to identify the value of collateral. The evaluation agency will evaluate the goods and then give a reasonable price. The maximum amount that a borrower can borrow is usually 80% of the assessed value of the collateral.

3. Guaranteed loan

How much money a personal secured loan can get depends on the collateral provided by the borrower or the guarantor of the borrower. The lower the debt ratio, the higher the loan amount that the guarantor can apply for for the borrower, but the maximum is not more than 3 million. If the borrower takes the enterprise as the guarantee, it depends on the running water and business direction of the enterprise.

Generally speaking, due to different loan methods, borrowers can apply for different loan amounts. How much can you borrow? It is recommended that the borrower call the bank customer service phone to ask.

The above is the sharing of "how much can ordinary people borrow". I hope I can help you!

How much can I borrow from my personal ID card?

It has become the mainstream of the loan industry. Simple and convenient, there will be no great repayment pressure. Students, white-collar workers and wage earners will regard it as an indispensable artifact. So, how much can I borrow for my personal ID card? At present, many products on the market have different quotas, and the quotas also change according to the qualifications of the applicants. Let's look at the specific amount.

Quota: ranging from several hundred to tens of thousands.

Amount: 500-5000 yuan.

Borrowers can borrow money here as long as they have an ID card and a Taobao account number. The term is divided into three types: 30 days, 60 days and 90 days.

Amount: up to 5000 yuan.

Accompanying loan is a product jointly launched by Shanghai 2345 Hailong Finance and BOC Consumer Finance, and cash can be processed with ID card. You can apply for a loan by downloading the random loan app, and you can get the cash in 2 minutes and lend it directly to the bound bank card.

Quota: as low as 1000, as high as tens of thousands.

You can apply for a loan as long as you verify it with your ID card. With ID card and bank debit card, the borrower can fill in relevant information, apply for ID card loan in 3 minutes at the earliest, and withdraw cash from the account on the same day. Monthly handling fee rate 1.5%-2%.

Amount: the minimum is 3,000 yuan and the maximum is 60,000 yuan.

/kloc-More than 0/8 of China citizens can apply for a light rain loan through their ID cards, bank records in the last three months and residence certificates.

Amount: 1000-50000 yuan.

Xiaohua is a special platform, which only supports WeChat official account application. Submit real ID information when applying, it will be automatically approved within 10,000 quota, and the payment will be made within 3 minutes at the earliest, without mortgage or sesame seeds.

Line: 500 yuan, 1000 yuan or 1500 yuan.

And the loan is a very famous ID card APP. APP provides emergency loans and installment loan products. The term is 30 days and the daily interest rate is 0.03%. And provide the borrower with a loan of up to 20,000 yuan by stages, with the longest term of 12 months.

Related introduction:

What are the trustworthy personal ID cards?

What ID cards are you interested in here?

There are too many products on the market to list all the personal ID cards, so I sorted out the above ones today, hoping to help everyone. If the quota of the above platforms can't meet you, the same low threshold will be paid quickly.

Can provide you with more high-end choices, click

You can apply.

What's the maximum personal loan?

How many personal loans can be classified:

1. Personal housing loan: The single loan of personal housing commercial loan does not exceed 80% of the total house price, and the longest loan period is 30 years. The specific amount is determined according to the borrower's monthly repayment ability. According to different banks, the loan amount is different, and the requirements of the lending bank shall prevail.

2. Personal housing provident fund loans: Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of personal housing provident fund loans in Guangzhou is 500,000 yuan. Secondly, the maximum amount of housing provident fund loans does not exceed 70% of the total purchase price.

3. Personal housing portfolio loan: the sum of provident fund personal housing loan and bank-owned housing loan shall not exceed 80% of the sales price or evaluation value of the purchased house (whichever is lower), and the maximum amount of provident fund personal housing loan shall be implemented according to the relevant regulations of the local housing fund management department.

4. Personal automobile consumption loan: The maximum loan amount generally does not exceed 80% of the purchased automobile price.

5. Personal durable consumer goods loan: the starting point of the loan is not less than RMB 3,000 (including RMB 3,000), and the maximum loan amount is not more than RMB 50,000 (including RMB 50,000). Among them, if there is mortgage guarantee, the loan amount shall not exceed 70% of the assessed value of the collateral. At the time of pledge, the loan amount shall not exceed 90% of the face value of the pledged right. If credit or third-party guarantee is adopted, it shall be determined according to the credit rating of the borrower or guarantor.

Due to the different levels of economic development in different parts of the country, the provisions on credit lines are also different. In general, the actual loan amount of personal credit loan depends on the qualification of the applicant, and the applicant's occupation, income, credit information, etc. will affect the loan amount. When you apply for a credit loan in a bank, the personal loan amount is usually about 10 times of your monthly income.

Legal basis: Article 9 of the Interim Measures for the Administration of Personal Loans, the lender shall establish a reasonable control mechanism for the borrower's income and debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each installment not to exceed his repayment ability.