1 and1below 500 yuan.
If your salary is below 1500 yuan, you have no hope. Generally, no bank or small loan company will lend you money, because from the perspective of salary level, you simply have no repayment ability. If you have a car or a house, Bian Xiao suggested that it is more reliable to apply for a mortgage loan.
2. 1500-3000 yuan.
If your salary is between 1500-3000, then you have got the entrance ticket for the loan. Generally speaking, banks have higher requirements for borrowers' monthly income, and banks generally do not lend money to people with wages at this level. However, unlike banks, small loan companies do not have such high requirements for borrowers' monthly income. Some individual small loan companies can apply as long as your monthly punch card salary is greater than 1500. As a saying goes, there is no such thing as a free lunch. Higher loan interest rates bring lower easing conditions, and the amount you apply for will not be too high, usually about five times your salary, and sometimes even less than five times.
3, 3000-4000 yuan.
People with salaries in this range are eligible to apply for some banks. But there are some additional conditions, such as you are a staff member of a public institution, a civil servant, an employee of a large state-owned enterprise, an employee of a Fortune 500 company, etc. And you have real estate in Beijing. For this group of people, the bank will have a special elite loan product, you can apply for it, and the salary is around 3500. The loan amount is 5- 10 times, but generally it is about 7 times.
4, between 4000 and 6000
People with salaries in this range are the main customers of banks and small loan companies, because the average salary of Beijing working class is in this range. Most unsecured loan products of banks and small loan companies are suitable for people of this wage class. For example, Happiness Loan of Citibank, Cash Loan School of Standard Chartered Bank, Yi Dajin of Huaxia Bank and New Loan of Ping An Bank have all become popular products among unsecured loan products. The fundamental reason is that their application conditions cater to the vast majority of wage earners. The general loan amount is 5- 10 times of your salary. If you have a good credit record and are an employee of a large company, you can reach 10 times or even 15 times.
More than 5.6000 yuan 1 less than 10,000 yuan
If your salary is between 6000 yuan and 10000 yuan, then you are a good customer of banks and small loan companies. If your other conditions meet the requirements of banks and small loan companies, your loan amount is about 8- 10 times, and if your other conditions are good, it can reach more than 15 times. However, Bian Xiao reminds everyone here that if you have too much debt and your credit history is overdue and serious, you may be rejected or only get a loan with a salary of about 5 times or less.
6, more than ten thousand yuan
People familiar with unsecured loans should know that the maximum amount of unsecured loans can be as high as 500 thousand. If you want to apply for an unsecured loan of 500,000 yuan, you must first earn more than 1 10,000 yuan. Bian Xiao once investigated the authenticity of an unsecured loan of 500,000 yuan. I sorted out the situation of Standard Chartered Bank, Citibank, CreditEase, Ping An Bank and Huaxia Bank, and finally came to the conclusion that you can apply for 500,000 unsecured loans, but the possibility is very small and the conditions are very high. For example, Standard Chartered Bank requires that your monthly punch-in salary should be more than 50,000 yuan; Huaxia Bank requires a salary of over 30,000 yuan after tax, which has not been overdue within 2 years. Although it is difficult to apply for an unsecured loan of 500,000 yuan, it is super easy for you to apply for an unsecured loan of 654.38+10,000 to 200,000 yuan with a salary of 1 10,000 yuan. Of course, the premise is that you meet other loan conditions and have a good credit.