Personal credit loan is 654.38+0 million.

How do ordinary people borrow 6,543,800 yuan?

There are the following methods for the loan of 654.38+0 million:

Method 1: mortgage loan. A house with a value exceeding 1 0.5 million can get a bank loan of110,000. Required information: ID card, household registration book, marriage certificate, income certificate (nutrition certificate provided by legal person), bank account, property right certificate and land certificate.

Method 2: enterprise credit loans needs to be a legal person with a business license and an operating entity, with a business license of more than one year, annual running water covering the loan amount, and assets such as houses and cars, which may reach the loan amount.

Required information: ID card, household registration book, marriage certificate, nutrition certificate and bank account number. Real estate license and driving license as proof of assets.

Loan requirements of RMB 654.38+00,000 Yuan:

1. Personal credit payment. The borrower has a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use; And personal credit status is good; Usually, the average monthly income of the lender is not less than 4000 yuan.

2. Housing mortgage payment. The income and credit of the lender are similar to the requirements of credit payment, and the house is more than 50 square meters within 20 years.

3. Self-employed loans. The local account of the lender with full capacity for civil conduct; Having a fixed business place and stable income in the local area; Provide legal guarantee; Open a deposit account with a loan bank.

4. Housing mortgage loan. The lender has a valid identity card and proof of marital status; Good credit record and repayment ability; A steady income; Commercial housing sales contract for housing; Have the ability to pay the down payment of the house; Open a personal settlement account in a bank with effective guarantee.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

How to get a personal loan of 1 10,000?

The best way for ordinary people to borrow 6,543.8+0,000 yuan is to apply for a mortgage loan. Personal credit loans generally cannot obtain a loan amount of 6,543.8+0,000 yuan. For mortgage loans, you can mortgage items with high value, such as real estate, cars, insurance policies, etc. The most reliable collateral is the house, which can be lent at the upper limit of 70% of the collateral value.

The amount of credit loan is difficult to reach 654.38+0 million, so if you want to borrow 654.38+0 million, you can only apply for mortgage loan or secured loan. Mortgage loans usually require collateral recognized by banks, such as real estate, and secured loans require third parties to provide guarantees for borrowers. If these two kinds of loans overdue, banks can also recover the arrears, so the loan amount is relatively high. However, if the value of collateral is low or the guarantor's credit is average, it may be necessary to provide some financial proof before the loan can reach 654.38+0 million.

The best way is to apply for a mortgage loan, because the personal credit loan can't get the amount of 654.38+0 million.

The most reliable mortgage is the house. Although the car can also be mortgaged, the car depreciates quickly and the loan amount is low, which is far less than that of the real estate. For example, if you apply for a mortgage loan from a bank, the bank basically only recognizes the house, which is less than 20 years old and is not in a mortgage state. Of course, sometimes, you can apply for a mortgage house with two mortgages, but this situation is still relatively rare, so it is not considered.

If you think the conditions of banks are harsh, then guarantee companies, companies and pawn shops are also good choices. These institutions have more relaxed restrictions on real estate, that is, it is still possible to obtain loans for more than 20 years.

How to borrow a loan of 654.38+0 million;

First, there must be collateral. It is understood that the upper limit of the quota is only 500,000 yuan, which cannot meet the requirement of 6,543,800 yuan. Mortgage with a house, which can be a house, a shop, a villa, etc. The premise is that it has complete property rights, is not mortgaged and has strong liquidity. The maximum amount of mortgage loan is usually 70% of the appraised value of the house, so if you want to borrow 6,543,800 yuan, the appraised value of the house should be above 6,543,800 yuan.

Secondly, personal credit is good. If the borrower has a credit stain, even if the value of the collateral is high, it may affect the loan amount, thus failing to reach the loan amount of 6.5438+0 million yuan. If an enterprise applies for a loan, the lending institution will also check the credit status of the enterprise. Therefore, personal credit is also very important for obtaining high loans.

Furthermore, providing bank running water proves that you have strong repayment ability. The borrower has applied for a loan of 6,543,800 yuan, and the monthly repayment amount will be relatively large. If the borrower does not have strong repayment ability, how can the lending institution dare to lend money?

Finally, shop around and choose a lending institution that is more suitable for you. The choice of bank is very important. After all, different lending institutions have different means of risk control and different provisions on loan quotas. Under normal circumstances, the requirements of loan companies are lower than those of banks, and the chances of obtaining large loans will be much higher.

What are the conditions for a loan of one million yuan?

1. Personal credit loan: the lender has a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use; And the personal credit status is good, and there can be no bad credit record; Lenders should have a stable income, usually requiring the average monthly income of the lender to be no less than 4,000 yuan.

2. Housing mortgage loan: The income, credit and credit loan requirements of the lender are similar, the service life of the house is less than 20 years, and the house area is more than 50 square meters; The house is highly mobile; The amount of mortgage loan usually exceeds 70% of the appraised value of the house.

Third, self-employed loans: the lender must have full capacity for civil conduct and have a local account; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank.

Fourth, housing mortgage loan: the lender needs to have a valid ID card and proof of marital status; Good credit record and repayment ability; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Must be able to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank.

I. The loan process of 6,543,800 yuan+0,000 yuan is as follows:

1. The lender shall apply to the bank for a loan, and then provide the above required materials.

2. Then the bank will evaluate the credit of the lender.

3. Next, the bank will investigate the legality, safety and profitability of the borrower in combination with the materials provided by the lender.

4. Then there is the loan approval. Banks should examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval.

After approval, the bank will contact the lender to sign the contract.

6. After the above procedures are completed, the bank will issue loans.

2. What is the loan interest of 1 ten thousand yuan after one thousand years?

Loan interest = loan amount, loan time and loan interest rate. The loan interest rate of each bank is different. Taking the benchmark loan interest rate of China People's Bank as an example, the loan interest rates corresponding to different loan years are different. Details are as follows:

202 1 China people's bank loan benchmark interest rate is as follows: the loan interest rate within one year (including one year) is 4.35%; The loan interest rate for one year to five years (including five years) is 4.75%; The loan interest rate for more than five years is 4.90%. For example, Mr. Li's bank loan is 6,543,800 yuan, and the loan term is one year, so the loan interest generated in one year is 654.38+00000004.35% 654.38+0 = 43,500 yuan.

What are the requirements for a loan of 6,543,800 yuan from a bank?

For different loan types, the conditions and materials for applying for loans are different:

1, personal credit loan;

Require the borrower to have a second-generation ID card, proof of stable work, proof of income and proof of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan.

After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank.

2. Housing mortgage loan;

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. In addition to strong requirements on the income and credit of the lender, the housing period should be less than 20 years and the housing area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house.

In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

3. Self-operated loans;

Must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

4. Housing mortgage loan;

Have a valid identity card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.

Extended data:

According to the regulations of the central bank, each person has the opportunity to inquire about personal credit information for free twice a year, and the 25 yuan service fee is charged for inquiring for three times or more. Personal bad credit records are kept for five years, and will be automatically eliminated after five years.

The number of credit inquiries is indeed one of the criteria for banks to evaluate mortgage applications. The number of credit inquiries of the lender in the past six months should not exceed 12.

Most banks have similar "controls" on the number of credit inquiries. Some banks stipulate that the number of inquiries can't exceed five times a month, while others are more strict.

However, most banks said that the number of inquiries is only a reference standard, and banks will make comprehensive judgments according to the specific circumstances of individuals. Generally, they will not refuse to lend because this indicator is "out of standard".