For example, your salary, housing situation, whether you have a car, and your credit history.
Second, how to calculate the total personal credit?
The total personal credit refers to the maximum amount that the bank can overdraw after reviewing the relevant materials provided by customers at the time of application according to the applicant's personal credit status. The amount of personal credit mainly depends on the purpose of credit. The company will test the short-term liquidity loan line according to three methods and one guideline, and other short-term credit lines will be determined according to the demand.
Fixed assets are mainly tested according to the total investment of the project. Not exceeding the owner's equity; Trading companies generally do not exceed 10- 15% of annual sales, and can also refer to the existing bank liabilities and contingent liabilities of enterprises; There are many restrictions, so there is no specific formula.
Three. Provisions of the central bank on the total amount of personal credit
The central bank does not stipulate the total amount of personal credit, but banks generally make a comprehensive evaluation based on age, work, education, credit status, social security payment, economic income, bank deposits, assets and financial level. , thus giving a credit line, which is usually called the total credit line. 1. Credit extension refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment liabilities that may occur to customers in related economic activities, including loans, trade financing, bill financing, financial leasing, overdraft, various advances, bill acceptance, letters of credit, letters of guarantee, standby letters of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, and sale of assets with recourse. Simply put, credit extension refers to the behavior that banks directly provide financial support to customers or guarantee customers' credit in related economic activities to third parties. Credit is divided into short-term credit and medium-and long-term credit according to the term. Short-term credit refers to credit within one year (including one year), and medium-and long-term credit refers to credit for more than one year. Second, commercial banks should follow the following principles in granting credit to the service areas under the jurisdiction of their business functional departments and branches and their customers: (1) Differentiate credit according to the economic development level, economic and financial management ability, occupation and use of credit funds, financial risk status and other factors in different regions. (2) Different credit lines should be determined according to the management level of different customers, asset-liability ratio, loan repayment ability and other factors. (3) Adjust the credit lines of various regions and customers in a timely manner according to the changes of financial risks and customer credit in various regions. (4) Within the determined credit line, the amount of each loan and the actual total loan amount are specifically determined according to the actual capital demand, repayment ability, credit policy and the ability of banks to provide loans of local and customers. The credit line is not the planned loan line or the allocated loan scale, but the internal control loan line implemented by commercial banks to control regional and customer risks.
4. What does it mean to spend money on personal credit?
Easy access is called completing personal credit, which means that you can get a loan or loan amount from Easy Access and you can withdraw money or spend money within this amount, and determine a loan or loan amount for you according to your economic conditions and personal credit.