If you want a higher quota, I suggest you communicate with the personnel department of your company first. The bank calls the personnel department of your company and asks him to answer that you are a civil servant, so that you can get a business card. The amount of this card is generally more than 10,000 yuan, but the official seal of the company is required to apply for this card.

2. What is the credit loan amount that employees of public institutions can apply for?

How did the bank handle it?

How to deal with it specifically? Let's take a look at the specific application process:

1. Provide personal identification information, including ID card, household registration book, marriage certificate of married person, etc.

2. Own property: 16%-20% of the total property value can be lent.

3. Mortgage, mortgage loan and bank mortgage loan: you can apply for housing mortgage repayment in this city for more than half a year.

4. Car loan: You can apply for car loan repayment in this city for more than one year.

5. Have social security and provident fund: you can apply for continuous deposit for more than one year.

6. There is a commercial insurance policy: you can apply for it in four periods every three years.

7. Loan amount: up to 654.38+0 million.

(You can apply for any of the above)

Then go to the bank to find the corresponding department, fill in certain forms and application forms according to the specific requirements of each bank, and sign certain loan agreements with the bank after obtaining the consent of the bank.

Third, how much salary can a wage loan borrow? Wages have such uses.

We often hear people talk about wage loans. What does a wage loan mean? Wage loan can also be a wage credit loan, which is a kind of credit loan. The loan amount is directly linked to the borrower's wage income, so how much can the wage loan be loaned? What are the terms of the salary loan? Next, please look at the detailed introduction brought to you.

How much can I borrow for a salary loan? Generally speaking, the amount of wage credit loans for employees in ordinary enterprises is 4- 10 times of the monthly wage income, and that for employees in listed companies and institutions is 6- 15 times of the monthly wage income. The maximum credit line stipulated by bank wage credit loans is 500,000 yuan, such as the "comprehensive credit loan" of Postal Savings Bank and the "comprehensive credit loan" of China Construction Bank. A credit line of 500,000 does not mean a loan line of 500,000. However, in terms of monthly wage income, employees in general enterprises need to borrow 500,000 yuan, with a monthly salary of at least 50,000 yuan and employees in public institutions of at least 34,000 yuan. Of course, the amount of wage loan is not only determined by monthly wage income, but also depends on the borrower's comprehensive situation, which is related to repayment ability, liabilities and assets. In addition to this subjective factor, it is also related to the bank applying for a loan. Some banks are conservative, and the approval of wage credit loans is strict, so the loan amount will be smaller. How much wage credit loans can be borrowed cannot be generalized, and everyone and a bank are different. The question of how much a salary loan can be borrowed is introduced here first. As for wage loans, many banks have introduced wage card loans, such as China Bank, Postal Savings Bank, Industrial Bank and Guizhou Bank. Generally, the following requirements are required: 1. Products with different salary requirements have different income requirements, but the minimum amount is 20. In other words, you can apply as long as your monthly income reaches 2000 yuan. However, it should be noted that it must be a punch card salary, and basically does not accept cash salary customers; 2. Entry time Generally, the bank requires to work continuously in the current unit for more than 6 months. Therefore, those newly hired lenders can only wait for a period of time to meet this requirement before they can successfully borrow money; 3. Personal credit is good. Every bank has different requirements. Generally speaking, however, the minimum requirement is no more than four overdue times in the past two years, and there is no record of overdue for one month in a row. After reading the above introduction, I believe you have no doubt about how much salary loan you can borrow and what the salary loan requirements are. If you meet these conditions, you can go to the bank for specific consultation and choose the right product for loan.

I am an employee of a public institution and want to borrow 300,000 yuan from China Merchants Bank for more than five years. May I approve it?

Banks handle almost all credit loans, mainly based on personal qualifications. The better the qualification, the easier it is to approve.

Conditions for applying for a credit loan:

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.