银行信用贷款额度不高?可能被这几点因素影响了!

作者: 发布时间:2017-12-07 17:19:02  来源: [手机访问]
导读: 银行信用贷款是以借款人信誉发放的贷款,不需要提供任何担保,相比其它类型的贷款,信用贷款的风险要高得多,因此在审批阶段也会相对严格。很多人表示,为什么银
银行信用贷款额度不高?可能被这几点因素影响了!

银行信用贷款是以借款人信誉发放的贷款,不需要提供任何担保,相比其它类型的贷款,信用贷款的风险要高得多,因此在审批阶段也会相对严格。很多人表示,为什么银行获批的授信额度不是很高,这是为什么呢?今天小编来跟大家讲讲,造成你额度不高的几点因素如下:

银行信用贷款额度不高?可能被这几点因素影响了!

1、个人收入

个人的收入情况是银行审批贷款额度的重要依据,一般为月收入的10倍左右。因此,个人收入越高,获得的贷款额度也就越高了。而收入低的,不仅申请的贷款额度低,更有可能无法申请信用贷款。

2、信用状况

信用贷款既然是以信用作为抵押的贷款,信用状况也就异常重要了。其它条件相同的情况下,信用记录良好,无逾期贷款的现象,即可获得高额度的信用贷款。

3、负债情况

个人的负债情况也会影响到信用贷款的额度,就算你有着高收入,但是你的负债超过了一定的比率,银行考虑到风险因素,也是无法给到你高额度的信用贷款的。

4、个人资产

虽然是无需抵押,仅凭个人信用就能获得贷款,但是银行在审核个人资质的时候,是否有资产对额度的提高却大有帮助。如果你名下有房有车,那么你就是银行的优质客户,也就更容易申请到高额度信用贷款了。

小编在这里为大家介绍了银行信用贷款额度的四点影响因素,希望能帮助到大家。

想了解更多信用贷款相关内容,就来关注99贷贷款平台,详细了解。

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