What does it mean to prepay 300,000 yuan?

Pre-credit of 300,000 refers to the available credit line given by the bank to users with a pre-credit line of 300,000, of which 300,000 is the highest loanable credit line for customers' reference. Pre-credit refers to the pre-loan amount granted by commercial banks or financial machines according to the comprehensive qualifications of users. It should be noted that the advance credit of 300,000 yuan will not be reminded after application. Under normal circumstances, the pre-credited amount is higher than the actual amount. In other words, the pre-credit line does not represent the actual payment line, and the actual payment line is subject to the system audit result after the user applies.

Pre-loan reserve refers to the additional loan amount provided by the bank according to the user's credit qualification conditions, which does not occupy the credit card amount, so it is called pre-loan reserve. However, with the reserved amount of pre-credit, it does not mean that users can definitely apply successfully. Even if the application is successful, the actual down payment amount will change to some extent.

Therefore, the pre-loan reserve fund is actually the pre-loan amount given by the bank to users. After receiving this SMS prompt, users can try to apply for a loan. The advance credit of ABC is 300,000 yuan, which means that the estimated loanable amount given by ABC after comprehensive evaluation of customers' credit status and repayment ability is 300,000 yuan, but this amount is only a preliminary estimated amount, not a real credit amount. If you want to cancel the credit line in the future, you usually need to conduct a more rigorous review again. Credit line is a reusable loan fund provided by banks or other lending institutions. You can only mention the credit limit, and you should make it clear when borrowing.

Pre-credit line means that commercial banks or financial institutions generally have a pre-credit line higher than the actual credit line according to the credit status of customers. The pre-credit line does not represent the actual down payment line, and the actual down payment line is subject to the system audit result after the customer applies. It is generally the maximum loan amount that customers can refer to. Of course, this line is only an estimated data, which is the preliminary estimated result given by the bank according to the customer's qualification, not the final credit line. If you want to take out the credit line, the lender must go through the strict examination of the bank. After the bank's evaluation, the final credit line may be higher than estimated.