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The eight factors that affect the amount of unsecured loans

Time: 2015-05-06         Source: melt 360 original         Author: Chen Li

InUnsecured loansThe world, the amount of credit has always been a matter of great concern. "I want to loan XX million, how much money can I borrow? Can be approved?" This kind of gun-style questions often to the credit officer to the corner. "We need a comprehensive assessment based on your personal qualifications" The loan officer usually gives a rational answer.

In fact, for the amount of loans, no one can make a decision to make a forehead, but according to the borrower's personal qualification control of the various indicators, comprehensive evaluation of the results. So it is not difficult to understand: less than the end, accurate prediction of the final approval of the results that no one can and can not. So the question came, what factors did it affectMortgageApproved? This article from the hardware and software to tell you two aspects:

Hardware conditions include personal income, unit nature, liabilities and other factors, which will directly determine your loan amount hovering in which layer height.

1. Personal income: For the ability to repay, the amount of credit will be closely linked with the income, often about 10 times the monthly income. In this iron law, high-income earners are often able to write the end of large loans.

2. Debt situation: liabilities are mainly reflected in the credit report, including credit cards, bank loans and other formal debt between the financial institutions. Similarly, from the point of view of repayment capacity as a starting point, financial institutions generally stipulated that the new and old months of the sum of not more than 50% of monthly income, based on this, to some extent, "negative second generation" of the amount of credit.

3. nature of work: to some extent, the nature of the unit so that the stability of the work of the staff had a different day. In terms of wage earners, state-owned enterprises and institutions will be relatively popular staff, due to stable work, repayment ability, the amount of credit will be higher, often more than ten times the monthly income. The same reason, the management than the average staff of the "credit" more generous, to obtain a higher monthly income multiple. On the other hand, because sales are a relatively large job, income stability is poor, so the amount of loans can not be expected from the nature of the job to seize the advantage, can only rely on income this absolute "main force" to win large loans.

4. Income to show the form: Although both the bank water or self-flowing water,Private lendingInstitutions are basically a single income, but in their hearts will have a bar scale, income show different forms, weighing out the amount of the loan will be the number of different. It is conceivable that through the banks on behalf of the wages of the bank water, the advantages should be significantly stronger than the other.

With the hardware does not represent the end result, the software occupies an important position, to a certain extent affect the amount of credit:

5. Marital status: Although the applicant is not required to be married, but experience has proved that married people and spouses to support loans, the amount will be more popular, after all, this stimulates the imagination of financial institutions, the debtor once unable to repay, Difficulties, spousal support is a matter of course. So, under the same conditions, married people than unmarried people more than a straw, loan funds to be more natural.

6. Family support: apply for unsecured loans may not need the consent of the family, but if the family's support, the results are quite different.

7. Account location: If the borrower's account and work are in the local application, in the risk awareness of financial institutions, will not consciously give it a "helmet", taking into account the large cost of default, run Road probability is small, so the financial institutions to its approval of the loan amount is relatively high.

8. Education: highly educated because of the high level of culture, well aware of the value of personal credit, will take practical action for personal credit escort, as far as possible on time and full repayment, to create intangible wealth, and high school education Most people will be personal credit as dispensable, naturally not so seriously the consequences of default, default probability will be relatively larger.

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