In 2018, the benchmark interest rate for loans over 5 years is 4.9; if calculated according to this calculation, a 400,000 loan with equal principal and interest repayment for 20 years would require a monthly repayment of 2,617.78 yuan; if equal principal is used, Repayment method: the first month's repayment amount is 3,300 yuan, the second month's repayment is 3,293.19 yuan, and the last month's repayment is 1,673.47 yuan.

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1. Bank personal credit loans

1. Which banks can apply for bank credit loans?

Nowadays, bank credit loans are very common, and there are many banks that can apply for them. Applications, such as

China Construction Bank, Industrial and Commercial Bank of China, China Communications, China Everbright, Ping An, Pudong Development Bank, etc. all have their own credit products!

2. Interest, limit and period of bank credit loan

Interest: annualized 4-7, which varies from bank to bank

Amount: 20,000-300,000

Term: 36 months

3. Basic personal requirements for bank credit loans

①Married or single

Unmarried people are generally The overall score will be lower than that of married people, because marriage is an important factor in maintaining community stability. Being married can prove that the borrower's family is stable and the risk of overdue is relatively low (this is what Lao Zhang has said for many years. Unmarried people should not be angry and hurry up. Breaking through single)

②Do you have real estate in your name?

Whether it is a mortgaged house or a fully paid house, real estate is the best proof of personal qualifications. If you apply for both those who own a house and those who don't, the amount will be very different!

③Personal credit record

Credit loans must have stricter requirements for personal credit reports. A good credit report will undoubtedly add points to the borrower! Does that person's credit record mainly look at three aspects?

Mainly: Whether credit cards and loans are seriously overdue, whether the debt exceeds the borrower's own income, and whether there have been too many credit inquiries in the past two months!

4. Personal income requirements

①Personal work

For high-quality jobs in Fortune 500 companies, public institutions, civil servants, etc., these people are very suitable for banks. Favored. The reason is that their jobs are stable and unlike private companies, they will not suddenly lose their business and have no source of income if they do not perform well. And these people generally won’t lose their iron rice bowl just because of tens of thousands of yuan!

② Provident fund payment

Provident fund payment is based on the proportion of income, so the income of the payer can be inferred. The longer you pay, the greater the help will be to your credit limit!

If the monthly provident fund payment is less than 1,000 yuan, it means that the income is not high, and if the help is provided, it will not be particularly large.

③Punch-in salary

The income from punch-in salary can intuitively show personal income. High income is very helpful for quota and interest. Generally, 6 over months.