Mr. Liu works in a private enterprise in Changsha. Although the income is not very high, it is relatively stable. However, Mr. Chen is in urgent need of RMB 654.38+10,000 yuan, and he is too embarrassed to ask a friend to borrow it. He wants to apply for a loan to solve the problem. Then, how can an ordinary office worker like Mr. Chen successfully borrow 654.38+10,000 yuan? Under normal circumstances, the wages of office workers are not particularly high. If you get a loan of 654.38+million through unsecured loans, it is more realistic to basically need a monthly income of more than 654.38+million, because the maximum amount of unsecured loans is usually about 654.38+00 times the monthly income. In Changsha, office workers with a monthly income of more than 654.38 million yuan are not very common, so it is not so easy to borrow 654.38 million yuan in Changsha through unsecured loans. When handling mortgage loans, there are also certain requirements for the borrower's monthly income, because it is best not to exceed 50% of the monthly income to repay on a monthly basis. For office workers in Changsha, this aspect is relatively easy to control, as long as the loan term is set longer. Therefore, although in Changsha, it is not so easy for ordinary office workers with low wages to get a loan of 65,438+10,000 yuan, there are still ways to successfully get a loan. In addition, before applying for a loan, you should also arrange the repayment plan reasonably and don't add extra repayment pressure to yourself.