Each reporter: Liu Jiakui Edit: Zhang Yiming
Just after the Spring Festival in 2024, the bank consumption loan is on fire, and "inner roll" upgrade.The reporters visit to investigates found that many banks launched consumer loan products with a quota of as high as one million, as low as 3%, and a term of 10 years.Compared with the previous bank consumption loan of 23 million yuan, such a "increase in interest rate reduction", is the era of "millions of million per capita" consumer loan?
"Raising interest rate cuts" and "interest rate cabbage prices" are very good, but do you get a loan?
In 2020, financial consumer Bale bought a house.Due to the high mortgage interest rate at that time, last year he hollowed out a part of the housing loan in advance.However, this year, facing a big event such as marriage, the consumer demand is large, and Baleon feels tight.Therefore, he turned his attention to a large consumer loan launched by many banks, intending to use this product to temporarily cross the difficulty.
Compared with, he first aimed at a pure credit consumer loan product from a joint -stock bank. According to the introduction, the product has a maximum loan of 1 million yuan, with a term of up to 10 years.The annualized interest rate can be as low as 3.3%.Balle filled out personal information on the mobile banking APP, and soon passed the audit and saw his loan limit -15,000 yuan.He was a little disappointed. The quota of this product was comprehensively evaluated according to the customers credit score, income level, repayment ability and other factors, and not everyone could loan 1 million yuan.
Balle thinks, since the banks credit line is not high, then try another banks unparalleled and guaranteed consumer loan product, and the highest loan can be loan -available.500,000 yuan, a term of 5 years, and an annualized interest rate as low as 3%."Although the upper limit of the quota is not high, the interest rate is lower."
However, according to the steps on the mobile banking, he found that to enjoy the preferential interest rate of this product, you need to be onThe banking system conducts a comprehensive assessment, and the corresponding interest rate coupons are received according to the evaluation score.
He checked it. His evaluation score is 10,000, and he can only receive 4%interest rate coupons. If you want to get a 3%interest rate coupon, the evaluation score valueAt least 17,000 points.He is a bit frustrated. The interest rate of this product is based on the customers activity, assets and income, wealth management and trading habits, provident fund social security, etc., combined with factors such as loans and performance.3%interest rate.
Later, Balle saw a consumer loan product for high -quality enterprise employees, with a maximum loan of 1 million yuan, the longest period of 3 years, an annualized interest rateAs low as 2.98%.He thinks this product is very powerful, but after consulting the bank customer service, he learned that if he wants to apply, it must be the "white list" employee of the bank, or a specific identity such as civil servants and institutions.Payment period.He was a little embarrassed, and he did not meet the front conditions of this product application.
Aiming at the "specific" "" high -quality "customer group bank manager: Ordinary customers want to borrow millions of it is not realistic
Large consumer loan isPromoting "gimmick" or "real gun"?
The reporter visited the investigation as a financial consumers and found that many banks hot -market million -dollar large consumer loan products, although they made high quota, low in publicity in publicityThe slogan of interest rates, but in fact, these products have their own thresholds and restrictions, not everyone can easily get it. The main target -oriented customer groups include civil servants, public institutions, large state -owned enterprises and other invited units, as wellGroups, and most products have certain requirements for provident fund and social security payment bases and years.
Generally speaking, the consumer loan amount that ordinary customers can get are still about 200,000 yuan to 300,000 yuan, and interest rates may also rise.
For example, a joint -stock bank launched a "gold collar loan" product. According to publicity, the product credit limit can reach up to 2 million, with the lowest annualized interest rate of 3.45%, and the credit term is the highest.For 36 months, pure credit is unsecured, and you can enjoy two years of advance.
Picture Source: A stock bank official Weili
Reporter query this productIt is learned in detail that the audience of the product is the high -quality customer of the invited unit of the bank, and has set up access conditions for customer age, credit records, and capital strength.
The reporter called the bank to learn that if this product wants to get a large amount of credit, first requires the customers unit, in addition to the customers income and liabilities levelWait for comprehensive consideration. "If the annual income is only hundreds of thousands, then it is not realistic to loan to 2 million. The maximum amount of the annual income is given."Specific customers such as invited enterprises may be able to loan, but even the "whitelist" customers, the amount of ordinary employees is only about 300,000.
In addition, the 3.45%interest rate is the lower limit. Like the credit limit, the specific approval situation varies from person to person.
For example, in order to meet the consumption needs of high -level talents and promote the financial empowerment of talent chain, the Bank of China Qingdao Branch innovatively launched "talent consumption loan". This product is Shandong.The provinces first high -level talent unsecured unsecured pure credit loan.Among them, the maximum credit amount of Class A talent in the classification catalog of high -level talents is 2 million yuan, the maximum credit amount of Type B talents is 1.5 million yuan, the maximum credit amount of Class C talents is 1 million yuan, and the maximum credit amount of Type D talents is 800,000 yuan.
In addition to Da Bank and joint -stock banks, small and medium -sized banks have also deployed large consumer loan products.For example, Shenzhen Rural Commercial Bank has launched a "consumer E loan" in the face of the domestic and lived in Shenzhen, with a maximum amount of 1 million yuan and a minimum annual interest rate of 3.6%.Another "vocational loan" with the highest amount of 1 million yuan, with customer work units as admission conditions, public officials, state -owned enterprises and central enterprises, bank personnel, listed company personnel, private hospitals or school personnel, etc.Apply.
Picture Source: Shenzhen Rural Commercial Bank APP
Banks in the western region are relatively cautious about the approval of the consumer loan quota.
"Daily Economic News" reporters visited a number of banks in the western region on the spot and found that the amount of consumer loans was between 200,000 yuan and 300,000 yuan.Almost every bank uses factors such as the customers unit and the "five insurances and one fund" deposit.Calculated the general credit line and did not ask other information.
Why is the "quota high as high as 1 million" consumer loan products promoted by mobile banking and public account channels, but it is difficult to get such a quota during offline visits?In addition to linked to the individuals career and credit situation, the customer manager of a state -owned bank bluntly stated that Compared with the eastern coastal areas, the western regions control of consumer loan quotas is relatively "conservative".
大额与低息：要满足相应评估条件
如前所述，如果你和巴乐一样，If you are interested in large consumer loans, you want to apply for these products, then you need to pay attention to the following points:
Large amounts are not available for everyone.Different banks have different application conditions and approval standards. They generally examine the customers credit scores, income levels, repayment capabilities, work units, and mortgage conditions. Based on these factors, the customers loan amount is comprehensively evaluated.It is not that the highest amount of publicity is the amount you can loan. It is likely that you can only loan a small part or even be unable to loan.Therefore, it is necessary to reasonably evaluate the demand for loan according to your actual situation.
Different banks have different interest rate floating mechanisms. It is not the minimum interest rate of publicity or interest rates you can enjoy. To obtain interest rate discounts, you must also meet the corresponding evaluation conditions.
Different repayment methods will also affect the total interest. The repayment method of bank consumption loan generally includes equivalent principal and interest, equivalent principal, first interest rate and so on.The total interest corresponding to different repayment methods is also different. Generally speaking, in the common repayment methods, the total interest of equivalent principal is the lowest, and the total interest in the first interest is the highest.
Take a joint -stock bank consumer loan as an example. If you meet the banks evaluation requirements during the Lantern Festival, you will get a 3.1%interest rate coupon, borrow 100,000 yuan, and the term termIn 12 months, the total interest was 3151.62 yuan under the repayment method of the first interest rate; and under the principal and interest repayment method, the total interest was 1899.95 yuan.The two types of repayment are 1251.67 yuan. Of course, the latter also has greater pressure than the former.Therefore, financial consumers should pay attention to arranging the repayment plan reasonably according to their own repayment capabilities.
The repayment method will affect the total interest of the interest.It should also be noted that the consumer loan application conditions and interest rate preferential conditions of consumer loans are not the same. Pay attention to carefully screening.For example, it must be a new customer, a high -quality customer, and a "white list" customer.If these conditions do not meet these conditions, you cannot enjoy the corresponding "withdrawal" and "interest rate cuts".Therefore, financial consumers cannot just look at the banks publicity advertisements. Pay attention to reading detailed product descriptions. Compared with the requirements of which banks are more in accordance with the requirements of which banks, they can save capital costs and meet consumer needs.
Large consumer loans are "double -edged swords" banks to do a good job of risk control and customer balance
Why the bank will launch "Large, low -interest "consumer loan products?What are the advantages and disadvantages of such products for banks, consumers and regulators?What is the interest rate trend and development space for banks in the future?In response, the reporter interviewed a financial expert in regulatory authorities.
He believes that for banks, the launch of large consumer loan products is to cope with market competition and improve their business growth and profitability.Demand, especially in the peak consumption season such as the Spring Festival, can stimulate consumption, pull domestic demand, and promote economic growth.
"But a large consumer loan is also a double -edged sword, which increases, which means that once there is a breach of contract or the flow of funds, the assets of the bank will beQuality and reputation have a greater impact. Special attention, do consumer loans really flow to consumption? For consumer loan funds that flow into the stock market and housing market in violation of regulations, we must take corresponding measures in time. " He remindsAccording to the way, the bank should do a good job of risk control and the balance of customers, strictly puts the qualifications and uses of customers, strengthen postparts management, closely monitor the flow of funds, and discover and dispose of risks in time.
For consumers, large consumer loan products can better meet consumer demand and improve the quality of life. At the same timeneed?Can the repayment pressure caused by blind excess borrowing?In addition, pay attention to comparing the product conditions and interest rates of different banks, and choose the appropriate repayment method and plan."Generally speaking, the equivalent principal and interest repayment method is suitable for people with stable cash flow. The average monthly repayment pressure is repaid.. "
It is worth noting that during the reporters visit, Some bank lobby managers specially reminded, please come to the outlet or apply for a large consumer loan on a mobile banking to apply for a large consumer loanDo not believe in credit intermediaries to avoid damage to funds or pay higher costs.
For the regulatory authorities, while encouraging banks to provide customers with more diversified financial services and more financial support for economic development, we must also strengthenAnd improve the supervision and risk control of large consumer loan products, prevent banks from deteriorating the quality of assets, exposure of credit risk, and illegal funding to maintain the stability of the financial market.
Regarding the subsequent interest rate trend of bank large consumer loan products, the expert believes that it mainly depends on the changes in market supply and demand relationships and policy interest rates. "It will not keep keeping at a low level, but will fluctuate with the changes in the market and policies."
The subsequent development space for this typeThe expert said that on the one hand, customer demand preferences are the main driving force of bank large consumer loan products. The iteration of products depends on whether customers have greater consumption demand, higher consumption quality, and more consumer scenarios.On the other hand, banks risk control and innovation capabilities are the main constraints of bank large consumer loan products. "Controlled risks, product optimization, strong demand, meet these conditions, and large consumer loan products are likely to continue to develop."
