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Personal consumption loan quota, this is the most effective!

Time: 2018-05-16         Source: 99 loan         Author: 99 loans

Always like "buy buy buy"? So how does the personal consumption loan amount increase?

1. Reputation assessment

The issue of credibility is one of the most direct reasons for increasing the amount of consumer loans. People with good personal credit records are more likely to get loans and have a higher chance of getting large loans. On the contrary, if the credit record is poor, not only will the loan amount be low, but the loan interest rate will also rise and even not be loaned.

Xiaobian suggestion: In the usual life expenses, we must maintain our own credibility, credit cards should be repaid in full and on time, timely payment of living expenses, utilities, property fees and so on.

2, stable work

The lender must have a stable job and let the lender know that you have the ability to pay off the debt. A mortgage can be provided in the case of collateral.

If you want to increase the amount of consumer loans, you must not only have a good reputation, but also have stable income and stable work. At the same time, you cannot afford to carry too much debt and have the ability to repay. If you have collateral of the corresponding value, you can also get a high loan.

3. Stable income

The lending institution will review the borrower's income to determine whether it has the ability to repay the loan on time. The loan amount of the borrower's work income is not too high. However, if the borrower can provide the collateral for the funds of the corresponding value, it can also get a higher loan, and the amount of the loan depends on the value of the collateral.

4. Debt assessment

Most banks stipulate that the monthly total monthly supply of the borrower cannot exceed 50% of the total household income. If the lender has a high debt, the probability of obtaining the loan will be reduced, and the borrower's repayment ability will be questioned. .

Xiao Bian suggested: When borrowing, the borrower should make a correct assessment of his assets to ensure that the total debt does not exceed 50%. Blind loans will not only affect your credibility but also affect your future life.

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