When prices are rising and wages are difficult to rise, many people will choose loans to deal with emergencies if there is a large demand for funds in the short term. Although there are many online loan products now, many people still choose to go to the bank for loans. How much can I borrow from a bank personal loan? Let's have a look.

How much can I borrow from a personal bank loan?

When a bank applies for a loan, the amount it can borrow depends on the type of loan, and the loan amount given by different types of loan products is different.

1. Apply for personal credit loan

To apply for unsecured credit loan, the loan amount depends on the qualifications of the borrower. If the borrower has good credit information, stable income source and low debt ratio, the application success rate is relatively high.

Different banks can give different amounts of personal credit loans. The general bank will give a credit line of 300,000-500,000, which can meet the daily consumption needs of borrowers.

2. Application

If the loan applicant has certificates of deposit, bonds or insurance policies, he can also choose to determine the loan amount by the value of the collateral. If the certificate of deposit is used as pledge, he can borrow 80% of the deposit amount, 90% of the bond, and 80% of the cash value at that time.

Step 3 Apply for a secured loan

If there is no collateral and personal credit is not very good, you can also try to apply for a secured loan. The loan amount needs to be determined according to the borrower's repayment ability and the guarantor's qualification. Under normal circumstances, it is not difficult to borrow tens of thousands of dollars.

How much money a bank can lend for personal loans depends on the types of loan products and the qualifications of the loan applicants themselves. All bank loans need to check credit information. If the borrower is a credit black account, it is basically hopeless. After the loan is successful, it should be repaid on time, so as not to affect the subsequent application for other loans.

I need money badly. How can I get a loan?

Bank loans have the following ways:

1, consumer loan. The so-called consumer loan is actually a personal credit loan. Borrowers don't need to provide any mortgage or guarantee, and they don't need to increase the number of borrowers. They just apply for loans by virtue of personal credit.

2. Mortgage loan. Mortgage, in fact, means that the borrower needs to provide an item as collateral, as a loan guarantee, in exchange for a certain loan amount. If it is not returned in time, the mortgaged items can only be seen at the judicial auction.

3. Guaranteed loan. Everything useful is mortgaged, and it must be mortgaged by the employer. A secured loan is actually a third party willing to guarantee the borrower. If the borrower fails to repay the loan, the guarantor will bear the repayment responsibility.

4. Many people are familiar with the word mortgage, but many people are unfamiliar with the word pledge. It means that the borrower gives his movable property and property rights to the bank for mortgage.

5. Special loans. The so-called special loans refer to some special loans issued by banks in cooperation with the state. It is still difficult for ordinary people to get special loans, because it is not up to banks to decide and needs corresponding policy support and rules and regulations. If they want to apply, they must go to the corresponding department.

6. Policy loans. In fact, the insurance we usually buy can also be used for loans. As long as you have cash value, you can apply for a loan from the bank. The maximum loanable cash value is 80%, and the longest loan period is 180 days.

How do individuals apply for bank loans?

The process for individuals to apply for bank loans is: 1. Choose a bank for the loan: the preferential interest rates of different banks are different. 2. Confirm the loan method: to borrow from the bank, use the provident fund first, and then use the commercial loan if the provident fund is not enough; This can save a lot of interest. The repayment methods of commercial loans are different, some are the same every month, some are gradually decreasing, and we should choose according to our actual situation. 3. Prepare all kinds of materials: to apply for a loan from a bank, you need to submit many materials, mainly including: loan application, ID card, unit income certificate, household registration book, marriage certificate, single certificate, provident fund memory card, personal credit report, real estate license, down payment invoice, etc. The income certificate shall be issued and sealed by the unit. 4. Internal audit of the bank: when an individual applies for a loan from the bank, the bank will review the materials applied by the individual and check the credit report. If your credit is not good, you may not be able to apply for a loan, so you must pay attention to your credit and don't have credit card arrears and other records. 5. Sign a loan contract: After the above procedures are complete, you can negotiate with the bank to sign a loan contract.

Legal basis: Interim Measures for Personal Loans

Article 11

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

How do individuals borrow money from banks?

Can handle taxpayer loans, white-collar loans, public loans and other loans.

Taxpayers can apply through the QR code on the local tax service website, or through the bank's mobile banking, direct banking, online banking and other channels, and can borrow money anytime and anywhere.

1. What are the conditions for a bank loan?

1. The applicant must be a natural person with full civil capacity.

2. Having urban permanent residence or valid residence status requires the borrower to have legal status.

3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records.

5. Some also require providing assets recognized by the bank as collateral or pledge, or taking units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the loan principal and interest and bear joint and several liabilities.

Two. Requirements of the Borrower:

1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed);

2. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

3. The borrower's actual age and loan application period shall not exceed 70 years old.

Three. Information to be provided by the borrower:

1, husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

2. Two copies of marriage certificate/divorce certificate or judgment/single certificate;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

7. If mortgage loan is needed, proof of the rights of the mortgaged property must be provided, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the appraised value of the mortgaged property.

Extended data:

Loan skills

1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what the lender wants, and it is absolutely not expected that his loan funds will not see the movement of lending within half a month.

If the loan amount applied by the lender is large, it is suggested to reduce the loan amount appropriately, so that the hope of passing the bank audit is great.