如果不懂这个,就算银行给你贷款,你也用不了

作者: 发布时间:2017-12-07 17:19:00  来源: [手机访问]
导读: 昨天,赵丽影想从手机银行里支取一笔贷款来应急一下,但登录后惊奇地发现:她手机银行上的贷款额度不见了,而前两周还有5万元的。赵丽影在一家央企上班,是C银行

昨天,赵丽影想从手机银行里支取一笔贷款来应急一下,但登录后惊奇地发现:她手机银行上的贷款额度不见了,而前两周还有5万元的。

如果不懂这个,就算银行给你贷款,你也用不了

赵丽影在一家央企上班,是C银行的代发工资客户,平常的资金往来都往C银行走。因此,C银行给了她一笔信用贷款额度。这种贷款可在手机上操作,是随借随还的,使用十分方便。小星为拥有如此好用的贷款而高兴。但如今,这个额度不见了,真是急死了。

于是,她咨询了C银行的客户经理。客户经理详细询问情况后,发现了贷款额度消失的真正原因

原来,上周赵丽影支用了C银行的一笔9万元的信用卡专项分期。而银行对于一个客户的信用贷款额度是有一个总量控制的。信用卡分期因不提供抵押物,实质上是信用贷款。她支取用了9万元的信用卡专项分期,就等于将她在C银行的信用贷款额度都使用关了。而C银行的手机银行里提供的贷款额度是活动的,当小星使用完了C银行给出的信用额度,手机银行里的信用贷款额度自然是没有了。

如果不懂这个,就算银行给你贷款,你也用不了

为什么会出现这种银行给了贷款额度,却使用不了的情况?

原因就是赵丽影不知道正确地遵循银行贷款的顺序。

什么?使用银行贷款还有顺序?

是的!如果你遵循了银行贷款顺序,那么将能最大限度地使用银行贷款额度。一般来说,使用银行贷款要遵循如下两个顺序规则:

1.活动额度先用,固定额度后用。

上例中,赵丽影手机银行里的信用贷款额度是活动的,所以要先用。信用卡专项分期的额度是固定的,只要不过于期限,随时可支用,所以要后用。

如果不懂这个,就算银行给你贷款,你也用不了

2.信用贷款先用,抵押贷款后用。

信用贷款因无抵押,风险更大,所以银行对此类贷款的风控更严,放贷也更谨慎。例如,你若有较大的资金需求,想向某家银行申请两笔贷款。如果你先申请了信用贷款,而后再申请抵押贷款,你应该会成功获取两笔贷款。相反的,如果你先办理了抵押贷款,而后再申请信用贷款,那这笔信用贷款可能会被银行拒绝。

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