Credit loans can reach up to 500 thousand.
Credit loan refers to the loan issued by the borrower's reputation, which is characterized by the fact that the debtor can obtain the loan only by virtue of his own reputation without providing collateral or third-party guarantee.
Due to the different qualifications of lenders, the amount of loans available is also different, and the bank will review and evaluate according to the personal data provided by the applicant.
The process of credit loan is usually as follows: loan application → loan investigation → loan approval → loan contract signing → loan issuance → post-loan management → loan return, etc.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
How much can Shenzhen provident fund credit loan borrow?
Shenzhen provident fund credit loan can handle 4-5 loans at the same time, with a maximum loan of more than 2 million. As long as you have enough repayment ability, it is no problem to borrow 10 loan.
A customer borrowed 1 1 from the bank and 220 from consumer finance within three years, with a total debt of 2.89 million. When the investment failed, he couldn't afford it, so he started online lending.
The credit investigation is very clean. At the same time, four loans of 6.5438+0.4 million, one of 500,000 and the other three of 300,000 were granted. After waiting for half a year, I stayed for half a year, and then I gave the bank two loans of * * * 600,000 yuan. Then for eight months, the bank could not lend consumer finance, 22 loans.
Clean credit information, high punch card salary and high provident fund base. The down payment is 6,543.8+0,000 yuan, which will be repaid in five years, not to mention the full amount, and 800,000 yuan will be approved.
The credit loan amount of Shenzhen Provident Fund varies from person to person. The better the work unit, the higher the base of the provident fund, the cleaner the credit information, the lower the debt and the higher the quota!
How much can a credit loan generally lend?
Bank of China provides "personal consumption loans". Personal consumption loans without collateral should be calculated from the following two dimensions, and the amount should be determined by taking the lower one:
1, income level or assets;
2. Customer wealth level;
Personal mortgage consumer loans should be calculated from the following two dimensions, whichever is lower, and the amount shall not exceed 6,543,800,000 yuan:
1, income level;
2. Mortgage rate;
Single use amount: the single use amount of personal consumption loan shall not exceed 80% of the required funds in the proof materials of consumption use.
Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
How long is the personal credit revolving loan period of China Bank?
The maximum validity period of Shenzhen personal credit revolving loan line is one year, and the term of a single loan within the loan line generally does not exceed one year. For buying a house or a car, the term shall not exceed three years at the longest (proof materials such as house purchase contract or agreement shall be provided). For details, please consult the loan handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.
How to borrow a credit loan in Shenzhen
China Merchants Bank has lightning loan business. At present, you can apply through mobile banking or check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)t 1 day loan. Within T 1 day, there will be a phone call from the nuclear power plant to verify and arrange the loan after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.
If you can't apply, it is suggested that you can apply according to the purpose of the loan, such as mortgage, car loan and consumer loan. These loans are earmarked for special purposes. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Each loan project requires different conditions and application materials. Please call the customer service hotline of China Merchants Bank at 8:30- 18:00, select "3-3-9" to enter the manual service, and provide the loan purpose and city details. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.