Banks Quietly Set The Target Of Individual Credit Loans As Wage Earners.

The personal credit loan of a bank is originally a loan amount of 10 times the monthly salary of a person, and it will grow to a new height in the presence of financial proof. Relatively good financial proof includes property certificate, vehicle driving permit and deposit certificate.

Recently, a number of banks have launched credit loans for white-collar workers and workmen of the working class, such as public loan of Huaxing bank, wage earners of Huaxia Bank, white-collar cards of Minsheng Bank's Tong Bao, and personal consumption loans of office workers of Guangzhou bank.

The reporter saw from the introduction that the related products are aimed at public service workers, enterprises and institutions white-collar workers, and loans can be used for decoration, tourism, learning and consumption. Some banks explicitly stated in the product description that they will not accept applications from ordinary employees, individual businesses or private owners.

"Our banks have a database, so long as they are listed in the units, they can directly pass the loan, but the amount depends on the payment of the provident fund and personal liabilities." A state-owned big business Guangzhou area personal business official told reporters.

Recently, as the property market has warmed up, the stock market is also booming. Many people have increased their loan demand, but this part of the high quality customers has become the object of competition by banks. A joint stock bank official said. And a white-collar Miss Liu told reporters that friends from several banks in recent years recommended personal credit loans to her.

Reporters learned that the current interest rate gap of personal credit loans is relatively large, with annual interest rates ranging from 7%~20% to double the gap.

The personal credit loans of large state-owned banks take up 30%~50% of the benchmark interest rate, which is about 7%, while the share interest rate of some shareholding banks is around 10%, some up to 15%, while some foreign banks' interest rates plus fees are as high as 18% or even more. For example, the monthly fee rate of a personal credit loan of Guangzhou bank is 0.65%, the annual interest rate is 7.8%, while a similar product of Guangzhou agricultural commercial bank has a monthly interest rate of 1.69%, with an annual interest rate of over 20%. The interest rate on credit loans for private entrepreneurs is generally doubled, and the monthly interest rate is as high as 2%.

"Credit loan is not available. mortgage Therefore, the risk is relatively high and the cost of capital will be relatively higher. " The relevant people said, but the interest rates of credit interest rates of banks are relatively large, and some banks will also collect fees by way of handling fees. In terms of repayment, the reporter found that some loans were returned on a monthly basis in accordance with the deadline. Interest However, there are also some loans that will be returned at once until the expiration date.

Behind the sudden increase in bank credit pressure is strong. Bad assets Pressure, the recent annual reports released by banks showed that in the year 2014, the total number of five major businesses established by workers and peasants in the establishment of diplomatic relations totaled 130 billion 613 million yuan in write offs and transferred out of non-performing loans, while the total amount of verification in 2013 was 59 billion 58 million yuan.

"In the view of banks, the pressure of rising non-performing loan ratio in 2015 is still very large, and this situation will also directly lead to tighter checks on banking in terms of wind control, and more prudent in terms of loan approval, especially credit loans." A related person from a big state-owned company told reporters yesterday.