Conditions for large bank credit loans: China residents with legal household registration books and identity cards and full capacity for civil conduct; Personal credit record is good; Have a stable income, work and residence; Able to issue good financial certificates; The lender's debt ratio cannot exceed 30%, and it is better to have no debt.
Requirements for large credit loans of banks: All materials provided by lenders to banks must be complete, true and effective; Willing to perform all the terms in the loan contract; Opening a deposit account in a bank requires a certain amount of deposit in the account; The actual age of the borrower and the loan application period cannot exceed 70 years old; Other requirements of the Bank.
Materials to be provided for large credit loans of banks: original and photocopy of ID card, original and photocopy of household registration book, marriage certificate or single certificate, personal credit report, bank card flow in the last six months, mortgage certificate, business license or work certificate, family income certificate or property certificate, education certificate, etc.
Bank loans value the borrower's personal credit record and repayment ability. If the borrower's personal credit record is good, the bank will handle the loan business for the borrower.
If the borrower has excellent repayment ability and can provide strong proof of property, the bank will quickly handle the loan business for the borrower and add a certain loan amount for the borrower.
If you get a credit report, you will have trouble repaying on time.
How to handle a large personal loan?
Because there are many kinds of loans related to China Bank, you can't fully understand your personal information. You can inquire about the types of loans and the specific information of the corresponding loans through the "Personal Finance"-"Personal Loans" function of our portal website; You can also go to the nearest business outlet for details.
The above contents are for your reference. Please refer to the actual business regulations.
What are the requirements for applying for a large credit loan? What problems should we pay attention to?
Individuals who want to apply for a large credit loan need to meet the following conditions:
1, stable income from work
Lending institutions will also have certain discrimination when applying for loans. If the applicant's job is unstable, his income is unstable, and there is no collateral, he can't apply for a loan in a lending institution. If the applicant has a stable job and income, the lending institution will think that the applicant has a certain repayment ability and is more willing to apply for a loan.
2. Good credit record
When lending institutions apply for credit loans, lending institutions will attach great importance to the applicant's credit record. Individual applicants have a good credit record and no bad credit record, which is not a credit blank. It would be better for lending institutions to apply for loans.
3. Be able to provide personal economic proof.
When lending institutions apply for loans, lending institutions will also "love the poor and love the rich". If there is no real estate or car in an individual's name, it is very likely that he will not be able to successfully apply for a loan in a lending institution. Therefore, even if an individual's house is mortgaged, or the car is bought by loan, they can also provide these real estate licenses to apply for credit loans.
1. The more loans, the lower the profit.
Business pays attention to small profits but quick turnover, and capital business is no exception. Some lending institutions specially offer preferential expected annualized interest rates to "big customers" to show their sincerity. For example, the Standard Chartered lending institution divides the expected annualized interest rate of two loans by 30,000 yuan: the loan below 30,000 yuan is 265,438+0.6%, and the price above 30,000 yuan is reduced to 65,438+02%-65,438+09.8%.
You can't borrow a lot of money if you want to.
Everyone is waving and smiling at the big bill, but the big bill may not turn around and smile at everyone. Sometimes it needs fate, and it may also need the efforts of the day after tomorrow. Specifically, the loan amount is mainly based on income assessment, which is usually 10 times of monthly income. If we want to increase the quota on the basis, we need to use financial documents such as real estate license and provident fund deposit certificate as catalysts to increase the quota.
3. A lot of money is paid by commission.
As the saying goes, you can enjoy as much happiness as you can suffer. Although you can enjoy preferential loans when applying for large amounts of funds, the supervision of the flow of funds is stricter. Faced with a large sum of money of several hundred thousand yuan, in order to prevent problems before they happen, vigilant lending institutions usually put on an extra shackle, that is, the funds are directly entrusted to the corporate accounts of cooperative merchants and will not be changed by customers. However, various lending institutions usually have their own ideas on the definition of large amount of funds. For example, Citigroup lending institutions think it is 270,000, and Standard Chartered lending institutions think it is 300,000.
What are the methods of large credit loans?
Although there is no need to provide collateral for credit loans, many people think that the amount is too small to meet the use. So how can we get a large credit loan? What are the ways to obtain large credit loans?
Usually, there are three ways to obtain large credit loans:
1, shop around
From the beginning, banks not only have different requirements for borrowers, but also have different restrictions on the amount of loans. Therefore, when choosing a lending institution, we should not only understand the loan requirements, but also pay attention to the provisions of the maximum amount.
2. Provide valid financial proof.
Although the credit loan does not require the borrower to provide collateral as a guarantee, if you can provide effective financial proof for the lending institution to check, I believe the credit loan amount you get will double. But some borrowers are worried that the collateral will be mortgaged, not at all! The reason why you are required to provide proof of funds is because the lending institution only wants to minimize the risk.
3. Apply for loans from two lending institutions at the same time.
Stagger the time when applying for a loan. Although the loan record in the bank will be included in the central bank's credit report, it will not be displayed immediately after the borrower applies, but at certain intervals, so as long as the rhythm is mastered, it is no problem to apply for a large credit loan. Moreover, when non-bank financial institutions apply for loans, the loan records will not be included in the credit report, so borrowers can also apply for credit loans in two non-bank financial institutions, so as to achieve the purpose of large loans.
The above three methods can be used for your reference, and borrowers can choose to apply according to their actual situation.