Personal credit loan conditions personal credit loan

Is the integrity financial loan reliable?

The new version of Credit Information Center of China People's Bank stipulates: "Credit Finance". Borrowers do not need to provide any guarantee, and they can get credit loans only by personal credit. This kind of loan is illegal and protected by national laws. Bian Xiao introduces some related contents to you. Lenders can make credit loans through the Internet and big data platforms. Compared with traditional banks and private lending, credit financial loan products are more flexible and convenient.

What is a credit loan, and how is the personal credit rating divided?

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee.

Personal credit rating is based on natural conditions (basic personal conditions such as marital status and education level), occupational and business conditions, and family conditions (household income and expenditure, household debt ratio, etc.). ), educational conditions, assets and so on.

Characteristics of credit loans

The debtor does not need to provide collateral or third-party guarantee, but can obtain the loan only by relying on its own credit, with the borrower's credit degree as the repayment guarantee.

Credit loan requirements

Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. It is mainly applicable to enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and meet the requirements of the General Principles of Loans and banking regulations.

Classification of personal credit rating of banks

Integrity: AAA, AA, A.

Reliability: BBB, BB, B.

Credit warning: CCC, CC, C.

How much can a personal credit loan be borrowed?

In recent years, good faith credit has been enthusiastically sought after by the majority of borrowers, which has triggered a trend of leading consumption, but how much can good faith loans generally lend?

Personal credit loan is a loan service based on personal credit and repayment ability, which does not need mortgage and guarantee, but needs certain identity, address and income proof. Loan approval is based on their personal credit history and income repayment ability.

The first category: civil servants, employees of large state-owned enterprises, top 500 foreign enterprises, listed companies or institutions.

Such people are the favorite of banks and small loan companies. Banks and small loan companies will tailor special loan products for such people. Not only will the loan interest rate be very low, but the loanable amount is generally above 10 times the salary. Generally speaking, as long as the credit is good, the income is stable, and there is a real estate or a car, the amount can be increased to 15-20 times. If you are a department manager at the cadre level or above, have a real estate and a car, you can get a loan up to 40 times your salary, or even higher.

The second category: office workers in ordinary enterprises.

Such people are the main force of credit loans, because diaosi is among them. Like civil servants, most employees in large state-owned enterprises are rich, but after all, those who are short of money are a minority. Ok, forget about them, let's talk about the loan amount that ordinary office workers can get. Without accident, for office workers in ordinary enterprises, the loan amount is generally 2- 10 times the salary. If the conditions are similar and you are heavily in debt, it is estimated that you may not be able to apply. Even if the application is passed, the amount will not be very high, which is only 2-3 times. Generally, most people's loan amount is about five times their salary. If you have a good credit record and a real estate, the loan amount will be 10 times of your salary, or even more than 10 times to 15 times.

The third category: some special occupations (such as sales staff and service personnel) and migrant workers.

There are many credit loans that specifically state that applications from salespeople and service personnel are not accepted, because, like salespeople, their income is unstable. However, some credit loans are accepted by sales staff, service personnel and high-risk professionals, and the loan amount is no different from that of ordinary office workers in private enterprises. The loan amount is generally 2- 10 times the salary.

The main factors affecting the personal credit loan amount are:

1. Professional nature; Whether you are an office worker or a businessman directly affects your repayment ability, thus affecting how many personal credit loans you can borrow. The greater the business volume, the higher the quota, which is also related to the industry.

2. Personal loan qualification is good, and the amount of personal credit loan will be higher than that of borrowers with poor personal loan qualification.

3. Personal credit record is the main factor of personal credit loan.

4. Whether personal income is stable or not will also affect the amount of personal credit loans.

These factors are the most obvious. The starting point of personal credit loan is 6,543,800 yuan, and the maximum is not more than 500,000 yuan (inclusive). The actual maximum amount depends on your credit status.

As far as I know, how much personal credit loans can be loaned depends on the personal situation of the lender. Generally speaking, it is no problem to easily apply for personal credit loans within100000. /kloc-The threshold for personal credit loans above RMB 0/00000 is very high.

Is credit loan easy to approve?

Credit loans are very common, because there is no need for collateral, so many people think of credit loans for the first time.

Credit loan is a way to rely on personal integrity and credit. Nowadays, many young people use credit loans to solve their personal financial pressure. The threshold for credit loans is relatively low, so everyone will find it easier to handle.

Myth 1: the threshold of credit loan is low ≠ no threshold.

Compared with mortgage loan, the threshold of credit loan is relatively low. Under normal circumstances, when we apply for a credit loan, the lending institution will review our credit records, such as credit investigation and sesame credit. Secondly, the work industry, occupation and income level will have a great impact on the evaluation of credit loans. In addition, the state also stipulates that in principle, no credit loans will be granted to minors (18 years old or younger). For some elderly people (over 55 years old), many lending institutions also tend not to issue credit loans. If these conditions are met, the borrower can get a loan.

Myth 2: Credit loan interest rate equals bank loan interest rate.

Credit loans are loans issued by lending institutions without collateral, and the risks borne by institutions are relatively high. The mortgage is different, because there is collateral as collateral. If the borrower fails to repay the principal and interest on time, the bank also has the right to dispose of the collateral according to law. Therefore, under normal circumstances, the interest on credit loans will be higher than that on mortgage loans. If the borrower's credit status is good, the interest rate of some loans will be lower.

Myth 3: White families with credit information are more likely to get successful loans.

As the name implies, there is no financial behavior in the credit report, but this does not mean that your credit is good. Banks cannot evaluate your repayment ability and credit situation through the credit report, so the credit report is a deduction for credit loans.

Myth 4: Credit loan ≠ ID card loan.

Credit loans usually only need to upload an ID card, and there is no need to provide any complicated qualification information, but it does not mean that loans can be made with an ID card. After all, lending institutions should not only look at their ID cards, but also examine the lender's credit information, marriage, income and other aspects. If there is any deficiency in any aspect, the comprehensive score will be reduced and the loan may be refused.

Myth 4: Only bad credit will affect loan approval.

If you want to get a bank loan, you must pass the credit barrier, which is a well-known secret. However, what you may not know is that when the bank inquires about the credit report, it pays attention not only to your repayment record, but also to the number of times your credit report has been inquired in a short time.

Specifically, if your credit report has been inquire many times recently, that bank will suspect that you have apply for credit business from many banks, and considering that the borrower's debt burden is too heavy and the repayment ability is insufficient, the bank is likely to turn you away. For example, many banks have made regulations on this. If the borrower's credit report has been inquired four times or more recently, it will be difficult to obtain a loan successfully.

To sum up, the "pit" of credit loans is everywhere, so we must choose the right platform, the right bank and the right institution!

The introduction of personal credit loan and the conditions of personal credit loan are over. I wonder if you found the information you need from it?