Hello, you can get a loan with a salary card. The amount of the loan is two to three times your annual income, with a maximum of 500,000 yuan. Credit card arrears of 300,000 yuan will generate huge interest. The longer the overdue period, the more interest will be generated. The overdue behavior is recorded in the personal credit report, which has a serious adverse impact on personal credit and is unfavorable for applying for bank loans. Once the bank meets the cardholder, it is judged as a criminal case, and the cardholder is likely to be imprisoned for this crime and has the right to freeze the fixed assets under the cardholder's name.
Wage mortgage loan amount
I. Loan amount The loan amount shall not exceed the borrower's salary ×90%× term month. The maximum amount of each loan shall not exceed RMB 200,000. Second, the application conditions 1, national civil servants, institutions and employees of enterprises with good economic benefits, standardized management and stable workforce; 2. Have a fixed occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule; 3. The borrower abides by laws and regulations and has no illegal acts, bad credit records and debts; 4. Other conditions stipulated by the bank. Three. The loan term shall not exceed the term of the borrower's labor contract, which is generally 65,438+0-2 years.
How much loan can you apply for on your salary?
The price level is rising, and so is the consumption level. Many people complain that it seems that only wages have not risen, so do you want to know how much loan amount you can apply for?
(1)1below 500 yuan.
In order to control risks, it is generally difficult for banks and companies to successfully apply for loans if the borrower's salary is below 1500 yuan. If the borrower has a house and a car, he can apply for a mortgage loan.
(2) 1500 yuan -3000 yuan.
Different regions have different requirements for salary levels. If the borrower is in a first-tier city, it is difficult to apply for a loan, but some companies can apply for a monthly punch card salary of not less than 1500 yuan. It should be noted that the annualized interest rate of the loan is expected to be higher.
(3) 3,000-4,000 yuan
Borrowers need stable jobs such as bank quality customers, that is, civil servants or employees of large state-owned enterprises. The most important thing is to have local real estate. Taking all the conditions into consideration, the borrower can apply if his salary is around 3,500, and the loan amount he can apply for is 5- 10 times, but it is generally around 7 times.
(4)4000-6000 yuan
The products of banks and small loan companies are mostly suitable for people of this wage class, and the loan amount is 5- 10 times the borrower's salary. If you have a good credit record and are an employee of a large company, you can reach 10 times or even 15 times.
(5)6000 yuan to 10000 yuan.
If your personal credit is good and your debt ratio is low, the borrower's loanable amount is about 8- 10 times, and if the borrower has other good conditions, it can reach more than 15 times.
(6) More than ten thousand yuan
If the borrower's salary is above 1 10,000 yuan, the personal credit information is good and the debt ratio is low, then the loan amount will be greatly increased.
As a reminder, there will be some differences in wage levels in different regions. Of course, the amount of loan application can not be generalized only by the borrower's salary, but should be considered comprehensively by combining the borrower's personal credit information and his own debt ratio.
My monthly salary is more than 6000 yuan. How much can I borrow from my mortgage?
With a monthly salary of 6,000, you can only borrow a mortgage of no more than 3,000 per month.
From the bank's risk control point of view, generally speaking, the final monthly payment of bank loans can not exceed 50% of the monthly after-tax income. The monthly salary is 6,000, which is also a mortgage that cannot exceed 3,000 per month. Because you have to live, you will have other expenses, such as applying for a loan from the bank.
According to the commercial mortgage interest rate of 5.5%, the price of a house with 100 square meter is1000000. 30% down payment and 700,000 mortgage loan. If the principal and interest are equal for 30 years, it will cost about 3975 yuan per month. Obviously, this is higher than the expectation of bank risk control, and it is not easy to approve loans.
Extended data:
The introduction of applying for a mortgage is as follows:
Choose a small apartment and say seventy or eighty square meters. The down payment is about 30% and 500,000 yuan, and the principal and interest are equal for 30 years, which is almost 3,000 yuan per month. It meets the requirements of bank loans and can be borne by itself. With a monthly income of 6,000, you can only afford about 500,000 bank loans.
If you use provident fund loans, the interest rate will be much lower than that of banks. Generally speaking, the loan amount of housing provident fund has a great relationship with the balance of provident fund account and the number of years that can be paid. The more provident fund you have in your account, the more money you can borrow.