Most people choose to go to the bank for personal loans without meeting each other, but the loan amount and interest rate given by different banks are different. Many people want their loan amount to be higher and their interest rate to be lower. They will ask which bank to find for the personal loan of 654.38+0.5 million. In fact, the key still depends on the lender's current comprehensive credit conditions and the loan method chosen.

Personal loan 1.5 million to which bank for preferential loans?

Going to the bank to apply for a personal loan of 6.5438+0.5 million yuan can generally be achieved through credit loans or mortgage loans.

Most banks have a maximum credit loan of 300,000 yuan, and the amount of mortgage loan depends on the valuation of collateral. Compared with mortgage loan, credit loan does not need any collateral, and it is still difficult to obtain a risk loan of 6.5438+0.5 million only by the lender's credit application. It is suggested that if the lender has assets, it is best to apply for a mortgage loan.

As for which bank provides preferential loans, there is no clear standard. After all, most banks generally only provide preferential loans during certain activities or promotions, and the usual interest rate will be calculated and distinguished by the system background model according to the credit status of the lender and the contribution to the bank.

Therefore, in the choice of loan banks, it is suggested that banks with more business dealings at ordinary times should be regarded as the first banks, such as salary card banks, mortgage banks, car loan banks, wealth management deposit banks, banks with bank cards, etc., and loans from the four major state-owned banks should be given priority. Compared with joint-stock commercial banks, the loan interest rates of the four major state-owned banks are still relatively low, and the annual interest rate is basically around 5%.

Also, before the loan, the lender should maintain a good credit and have a stable solvency.

The above is the related introduction of "which bank does the 654.38+0.5 million personal loan go to", and I hope it will help everyone.

How to apply for a personal credit loan of10.5 million? What materials are needed?

Personal credit loan150,000 yuan belongs to. At present, there are many platforms for applying for loans. You can apply for loans through bank outlets or online credit companies. So what materials do you need to prepare to apply for a loan?

Banks that want to lend mainly depend on the borrower's credit, mortgage and guarantee. The borrower needs to have a stable credit record and sufficient repayment ability. This kind of borrower is the favorite of banks. The loan products are mainly aimed at wage earners with stable jobs, but the fixed income of most wage earners is not very high, and the bank loan amount is 15 times of the borrower's highest income. Therefore, if you want to borrow150,000 yuan, you need to have enough income, which means a stable income of at least 8,000 yuan a month.

If your income is relatively low, then you need to mortgage loans to banks, such as real estate and cars. The amount of mortgage loan is calculated according to 70% of the collateral. Through bank loans, mortgages or stable income are all part of it, and the most important thing is to look at the borrower's credit information. If there is a bad credit record, even hundreds of thousands of banks will not mortgage for a month. As long as the above conditions are met, you can apply for a loan from the bank. You need to prepare materials, personal identification, stable residence address, income certificate, bank running for half a year, labor contract, housing provident fund and other materials that can prove your stable income. The more, the better.

Prepare these materials and submit them to the bank. The bank will review them within five working days, and the loan can be released within three working days after the approval. It should be noted that there are many types of bank loans and different applications and conditions need to be submitted. Some loans also require applicants to submit proof of the purpose of the loan. Banks need to know what the purpose of the loan is, whether it is consumption or buying a house or a car. Moreover, the information required by different banks is different. It is recommended to call customer service arc for consultation before applying for a loan, or log on to the bank's website for online inquiry, so as to avoid incomplete information and unsuccessful approval when applying for a loan.

How to apply for a personal credit loan of10.5 million?

I feel that I still have a say in this, because I just applied for a personal credit loan not long ago, and the amount is just 6.5438+0.5 million. I feel that the whole process is relatively smooth. In fact, if you want to apply for a personal loan, you must pay attention to one thing, that is, there is no problem with your personal credit information, and you must have a real estate in your name. So I will discuss this issue with you today.

1. Where should I apply for my personal credit loan?

In fact, when it comes to ordinary banks, many people may think of some relatively large banks, such as the four major banks of Gongli, such as agriculture, construction and industry and commerce. However, it is very difficult to apply for personal credit loans in these banks because their auditing procedures are very strict, so if you want to make credit loans, you'd better find some small local banks or some regional banks. Their audit procedures are not very strict. To put it bluntly, the requirements are relatively low and it is easier to apply.

Second, what supporting materials need to be prepared?

If you don't have any personal property, it is very difficult to apply for a personal credit loan. The main reason is that the bank will consider your repayment ability comprehensively when handling the loan procedures. How to prove your repayment ability? On the one hand, you need to provide your own running water certificate, on the other hand, you need to provide some assets you currently have to prove your repayment ability.

Third, are their interest rates high?

Because I just applied for a credit loan, I am very familiar with the whole business. In my opinion, the interest rate of happy loan is much higher than that of mortgage loan, so if it is not stressful, I suggest you take mortgage loan. Of course, if there are other ways, you can also take secured loans. Because under normal circumstances, the loan interest rate of credit loans is around 7~8%, and even some banks will give one point.

So much for the introduction of personal credit loan 1.5 million.