1. Positive answer

Banks have many types of loans with different amounts.

2. Specific analysis

Common ones include credit loans, mortgage loans, guaranteed loans, etc., and office workers can apply for them.

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

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

For example, if you mortgage a house worth 800,000 yuan, you can borrow up to 640,000 yuan.

3. Secured loan: The loan amount generally does not exceed 300,000 yuan, and the maximum does not exceed 5 million yuan.

No matter what kind of loan it is, the key to the specific amount depends on the borrower’s comprehensive credit conditions.

First of all, you have to look at the income, which is generally about 10 times the monthly income.

Secondly, the applicant must be evaluated based on the applicant’s working hours, nature of the unit, marital status, personal credit status, financial ability, etc.

Generally, office workers have worked in the company for more than 3 years, are married and have children, which shows that they are relatively stable and have sufficient repayment ability; and if there is a credit record on the office worker’s credit report, However, if there are no bad records and the debt ratio is low, the overall score will be relatively high.

If the risk the bank has to bear is low, the loan amount will be as high as possible.

If you are unclear about your debts and online loan data, you can get an online loan big data report from Beijian Quick Check, regarding online loan application records, overdue details and blacklists Detailed information is provided.

3. What financial management methods do office workers have?

There are many financial management methods suitable for office workers. Investors should choose based on their professional level, ability to resist risks, idle time of funds, and time to watch the market.

Generally common financial management methods include: buying bank financial products, buying funds, buying stocks, and making fixed investments in funds.

1. Buy bank financial products: The advantage is that the risk is relatively small, there is no need to monitor the market, and no management is required. The principal and interest will be credited together after maturity.

However, some products start from 50,000 yuan, which is suitable for office workers with a certain amount of savings.

2. Buy funds: For most office workers, funds are very popular products. If you can withstand certain risks, you can choose stock funds or index funds. Office workers with low risk tolerance Just choose currency funds or bond funds.

On the contrary, if you have time to watch the market and have certain analytical skills, you can buy stocks.

3. Fixed investment in funds: For office workers, if they make fixed investment in funds, they can accumulate a small amount into a large sum. Over time, their assets will grow bigger and bigger.

When choosing a fund, you should choose a fund with good past returns, a fund manager with a high rate of return, and an investment target with high prosperity.