How much is the personal loan? How was the amount determined?

How much is the personal loan? How was the amount determined? personal loan The determination of the amount of personal loans is not only a matter of concern to the borrower, but also a puzzle to many friends in the credit business. Today we're going to look at how to set a personal loan limit, if it's a personal loan for a business or a personal loan for a business owner, which is a large amount, individual loan limits need to be calculated and determined by improving the data analysis methods of the enterprise

Internal financial accounting statements, this is not the topic discussed today. Today, we only talk about small personal loans, credit personal loans, guaranteed personal loans and mortgage personal loans. We mainly look at

On three important indicators:

First, repayment ability. Indicate the amount of personal loan that the borrower can repay with its own funds in the future repayment period. This is done by calculating the borrower's income during the personal loan period (this is not an arbitrary amount, which requires evidence of previous income records), deducting the expenses during the personal loan period and deducting other liabilities during the loan period.

personal loan, the rest of the money, discounted, such as 65%, This is the maximum borrowed amount.

The calculation can also be simplified. A person earns a lot of money in a year, and after deducting expenses, he can get a discount of 65%, which is the highest discount for personal loans.

This is the maximum amount that can be borrowed, not the amount that can be borrowed, because the final amount borrowed will be affected by the last two factors, debt versus debt? Asset Ratio and collateral.

The second is the asset-liability ratio.

The asset-liability ratio refers to the proportion of liabilities in the borrower‘s total assets. The higher the ratio, the less solvent the borrower is and the less willing banks are to lend to him. Depending on the size and industry of the borrower, the bank‘s acceptance of the debt-to-asset ratio varies from 50 percent to 90 percent, but generally, the borrower cannot exceed 80 percent, or 60 percent if it is a secured personal loan.

However, different people have different opinions, and the asset-liability ratio is only the main indicator of long?term debt repayment risk ability. The term of personal loan is not long, so this important indicator is not very accurate, and we need to use the personnel current liability ratio, quick ratio and so on. If the amount of personal loan is not large, there is no need to be so troublesome, and you can ignore it.

Third, mortgage guarantee.

If someone tells you that you can get what you want from a mortgage personal loan of the same size, they are probably fake loan officers, at least not people who understand the core meaning of credit risk, and of course they can't make credit decisions.

A mortgage guarantee is the borrower‘s second source of repayment and is a condition for personal loan approval as set out in the credit policy. In theory, the investigation of the second repayment source is required to be regarded as the first repayment source, but it is often misunderstood in practice, and most credit officers pay

Little attention is paid to the investigation of mortgages or guarantors. This is an internal matter of each organization and we will not discuss it.

A mortgage or guarantee is essentially a backstop for personal loans. If the borrower fails to pay, the bank will apply for enforcement of the mortgage or enforcement of the guarantor.

However, banks are very reluctant to go this far, and they still want borrowers to repay the settlement.

Therefore, any amount to determine the amount of a mortgaging personal loan, is going rogue!