What borrowers want most is low interest rates and high prices. We all say that all roads lead to Rome, and there is more than one solution, so how can we get a high loan? Do you know any methods? Let's take a look at it next.
How to get a high loan, I have compiled the following five points:
1, provide valid financial proof.
When applying, if the borrower can provide real estate or car real estate, it will be of great help to increase the loan amount. Because for lending institutions, real estate and automobile production are important materials to prove the borrower's financial resources, which will also alleviate the lender's doubts about the borrower's repayment ability;
2. Maintain personal credit.
Don't be overdue. Good credit reporting must have advantages in the process of applying for loans. If the credit record is blank, it is difficult for the lending institution to evaluate it, so it is necessary to lend appropriately. If borrowers can maintain good consumption habits on third-party platforms such as Sesame Credit and Tencent Credit Information, they can also obtain convenient Internet loans;
3. Bank flow must be stable.
If we want to increase the loan amount, we must maintain a stable bank flow. Even if there is no job and no income, we should try to save a sum of money at a fixed time every month to keep the flow stable and let lending institutions see the repayment strength of users.
4. Make good use of social security and provident fund.
When submitting the income certificate, the borrower can bring his own social security and provident fund deposit records, which can strengthen the proof of the borrower's repayment ability. In addition, there is a record of provident fund deposit, and it is more cost-effective for provident fund loans to reach a certain period than credit loans;
5. Mortgage is also a way.
Compared with mortgage loan, its advantages are high loan amount and low loan interest rate. If the borrower is not in urgent need of money, has high requirements on the amount, and can accept the length of the mortgage loan processing cycle, he may wish to choose this cost-effective way.
The above is all about how to get a high loan. There are many ways to borrow money, and the loan supermarket provides a variety of loan products for everyone. Interested parties may wish to come in and have a look.
How to increase the loan amount? Try these methods!
With the rectification of cash loans by CBRC, many loan platforms in the market have tightened the amount of the next payment, which is generally only a few thousand yuan. So how to increase the loan amount? In fact, when applying for a loan, you should take the initiative to provide more detailed information. Today, let's take a brief look.
I. Personal information
1) The People's Bank of China's credit accumulation fund, social security bank cards, credit card bills, and Alipay. These materials are as perfect as possible, which can fully reflect your credit and financial resources and ensure to provide the most favorable information.
2) In principle, the more materials submitted by individuals, the better. The lower the interest rate and the higher the quota, the easier it is to pass.
Second, the work information
1) It is best to provide a relatively stable job for more than 1 year, so as to ensure continuous income.
2) Leave an enterprise mailbox, which can reflect the normal working state of users, with stable income and repayment ability. You can also get extra points by receiving credit card bills with your corporate mailbox.
3) Your company address and telephone number should be true. If there is no company, you can try to find a company with all your relatives and friends. Pay attention to the contact number and leave an extension that needs a lot of money transfer.
Third, the operator certification
1) The mobile phone number must be a real name, and the longer the service life of the mobile phone number, the better, with a minimum of 6 months. A new mobile phone number or a mobile phone number without a real name is generally difficult to pass.
2) The mobile phone must have a call record every month, which proves that you often use this mobile phone.
To sum up, many loan platforms will not give high quotas at first. As long as you continue to use it and maintain a good credit, you will gradually increase the quota. Let's wait patiently.
How to increase the loan amount, four tricks to teach you how to get it done.
The loan has been completed, but the amount is not enough. Many friends have encountered this problem. Their expected loan amount is often far from the actual loan amount. They can't increase the loan amount. Don't worry, here are ways to increase the loan amount.
1. Don't change the loan platform frequently.
Friends who apply for a loan for the first time must carefully consider the loan platform, compare multiple loan platforms on the market, and then choose a suitable one according to their own loan needs and conditions. When you need a loan in the future, try to choose the same loan platform, repay on time and maintain a good credit record. In this case, it is easy for you to apply for increasing the loan amount on this loan platform.
For example, if you borrow money from a stranger, that friend doesn't know you at first, and he doesn't know what your personality is like, so he may just lend you some money. As you two get closer and borrow more money, you get to know each other better and better. And you pay back the money on time every time, then that friend will lend you more money with confidence.
Similarly, if you accumulate more loans on a loan platform, the loan platform will give you more credit, and the application for increasing the loan amount will be easier to pass. Of course, the premise is that you pay back on time every time and maintain a good credit record.
2. You can choose to change the loan type.
Credit loans rely on personal credit records and do not require any mortgage or guarantee. Banks and lending institutions bear relatively large risks, and the loan amount will naturally be limited. Mortgage loan is different from secured loan. If the applicant provides proof of collateral or guarantor, banks and lending institutions will feel that it is less likely that the loan will not be recovered, because even if the lender does not repay the loan, banks and lending institutions can still obtain repayment by auctioning collateral or looking for a guarantor. Therefore, mortgage loans and secured loans are higher than credit loans.
Therefore, if you have certain assets in your name, you can use real estate or automobile products as collateral and mortgage loans instead of credit loans. If you don't have these assets, you can also find a guarantor to guarantee you and use a secured loan instead of a credit loan. In this case, the loan amount will naturally increase.
3. Reduce the debt ratio
If there are many personal debts, such as the monthly payment of credit cards and other loans, then banks and lending institutions have reason to think that your repayment pressure is high and the risk of lending to you is relatively high. Therefore, the loan amount will naturally not be very high.
If your low loan amount is due to high debt ratio, consider reducing the debt ratio. Therefore, if you are a person who spends too much on credit cards, then you should restrain your consumption desire and save credit card consumption. Once your debt ratio is reduced, it is not difficult to increase the loan amount.
4. Keep a good credit record.
Whether applying for a credit card or a loan, a good credit record is a threshold. For a person with a bad credit record, even if other conditions meet the requirements, banks and lending institutions will not lend him money. Therefore, if you have the habit of spending money by credit card every month, you must remember to repay on time and don't discredit your credit.
The above are four ways to increase the loan amount. I hope these methods can bring some help to those who want to increase the loan amount.
What if the loan amount is low? Teach you a few tricks to increase the quota!
When buying a house loan, many people will cause the actual mortgage amount to be lower than their expected amount for various reasons. If you apply for a provident fund loan, even if you get the maximum loan amount, it is almost not enough to pay the remaining house payment. What shall we do? Below, we have summarized several solutions for you.
When buying a house loan, many people will have the actual mortgage amount lower than their expected amount for various reasons. If you apply for a provident fund loan, even if you get the loan amount, it is almost not enough to pay the rest of the house. What shall we do? Below, we have summarized several solutions for you.
1. What should I do if the provident fund loan amount is not enough?
The low interest rate of provident fund loans has become a lot of property buyers. However, in a first-tier city like Beishangguangshen and Shenzhen, it takes millions to buy a house with similar points, and the amount of provident fund is far from enough. What should we do?
1. Apply for a portfolio loan.
Take a city (such as Beijing) as an example. If you buy a 2 million house, the amount you can apply for provident fund is 654.38+0.2 million. Excluding the down payment of 600 thousand, the difference is 200 thousand This 200,000 can apply for a portfolio loan from the bank.
It should be noted that not all banks accept portfolio loans, which involve provident fund centers, banks and other institutions, and the approval period is more than 3 months. Buyers who are anxious to pay the house price should consider the time problem.
2. Apply for a commercial loan, and use the balance of the provident fund to offset the mortgage.
Since the amount of provident fund loans is not enough, why not give up provident fund loans and apply for commercial loans directly? In the case of commercial loans, the borrower can usually lend money about 2 weeks after submitting the loan application. As long as it meets the relevant conditions of the bank, it is generally possible to borrow the expected amount.
Moreover, after successfully applying for a commercial loan, you can apply to withdraw the provident fund to repay the monthly payment, but in this case, the interest will be higher than that of a simple provident fund loan. If the loan period is longer, the economic pressure that buyers need to bear is greater, which needs attention.
2. What should I do if the loan amount is reduced due to credit information and other factors?
You can consult other banks and apply in banks with loose mortgage policies, and it is possible to obtain the expected quota. If you buy a new house, you can apply for a loan from a bank that cooperates with the property, and you can also get preferential interest rates.
3. What if the income doesn't meet the requirements of the bank and I can't get the full loan?
You can consider applying for a relay loan. If Betty Wong's income is low, but his father has not retired, and his income is high, Wang Can Jr. applies for a mortgage loan as his father. The bank will calculate the monthly repayment amount according to the sum of the income of the father and son, thus increasing the loan amount. The following is the proportional relationship between monthly income and monthly repayment amount:
Betty Wong Jr.' s Income Father's Monthly Income > = Monthly Payment X2.
4. I consulted a number of banks, but I couldn't reach the quota. What should I do?
In this case, you can apply for a consumer loan to pay the house price, which is mainly applicable to companies. General banks, especially state-owned banks, have strict supervision over the flow of consumer loan funds, so it is difficult to pay house prices through consumer loans. The loan application conditions of small loan companies are relatively relaxed, the approval process is simplified, and it is easier to "borrow" consumer loans to pay the house payment.
All the loan channels have been tried, but it is still not enough. What should I do?
If the approved mortgage amount is not much less than expected and you don't want to apply for other loans, you can consider borrowing money from relatives and friends to make up the difference. I suggest that when you buy a house, you must apply for a loan according to your own economic situation. Don't affect the quality of life because of mortgage repayment. After all, it is not easy to be a house slave.
How to increase the amount of bank loans?
First of all, there must be proof of assets.
If you want to increase the amount of bank loans, you'd better show proof of assets, such as real estate, cars and your own investment and wealth management products, which can be used as proof of our assets. For example, if there is a car worth 654.38 million yuan in our name, then we can also increase the loan amount. For some people, they have a house in their name. If there is no loan for the house, then showing the real estate license can also increase the loan amount of the person. Now apply to the bank for loan assets, the asset certificate is a good proof, because the asset certificate can prove that a person has enough repayment ability and is naturally willing to increase his loan amount.
Second, a good credit record.
If you have overdue debts, you should repay them in time, because a good credit record can increase the loan amount, and banks are willing to believe it. If a person's credit information is not good, then many banking institutions will feel uneasy when lending money, and naturally they will not lend money, let alone increase the amount of bank loans. Therefore, we should pay attention to our personal credit information and avoid being stuck when using loans.
Third, there is enough bank flow.
A person's running water in the bank is actually an important reference for his income and repayment ability. For example, if a person's monthly running water reaches 6.5438+0 million, he will borrow 6.5438+0 million from the bank. I think most banks will lend. Because now the bank loan is 2.5 times of the monthly payment, the loan is 654.38+10,000 yuan, and the running water 1 10,000 yuan has obviously exceeded the monthly payment by more than 2.5 times. For banks, it must be very reassuring.
Fourth, it is best not to have debts.
Banks with liabilities will also serve as an important reference. If there is no foreign debt, then a person's loan amount can be increased, and naturally it is not easy to be rejected. If a person has too much foreign debt, banks are reluctant to take risks in lending.