The bank’s high threshold for large-scale consumer loans is aimed at targeted people： millions of quotas and 3% interest rates. Can you get loans？

　　Just after the Spring Festival in 2024, bank consumer loans were in full swing and "involution" was upgraded. The reporter visited the investigation and found that many banks launched consumer loan products with a quota as high as one million, an interest rate as low as 3% and a term as long as 10 years. Compared with the previous limit of 200,000-300,000 yuan for bank consumer loans, is the era of "one million per capita" consumer loans coming?

　　The publicity is wonderful.

　　But can you get a loan?

　　In 2020, financial consumer Ba Le bought a house. Due to the high mortgage interest rate at that time, last year he emptied his pocket and paid back part of the mortgage in advance. However, this year, faced with life events such as marriage, the consumer demand is large, and Ba Le feels that money is tight. As a result, he turned his attention to the large-scale consumer loans launched by many banks, intending to use this product to tide over the difficulties temporarily.

　　After comparison, he first aimed at a pure credit consumer loan product of a joint-stock bank. According to the introduction, the product can be loaned up to 1 million yuan, with a maximum term of 10 years and an annualized interest rate as low as 3.3%. Ba Le filled in personal information on the mobile banking APP, and soon passed the examination, and saw his loan amount-150,000 yuan. He was somewhat disappointed. It turned out that the amount of this product was comprehensively evaluated according to the customer’s credit score, income level, repayment ability and other factors, and not everyone could get a loan of 1 million yuan.

　　Ba Le tried another unsecured and unsecured consumer loan product advertised by another bank, with a maximum loan of 500,000 yuan, a maximum term of 5 years and an annualized interest rate as low as 3%. However, operating in mobile banking step by step, he found that to enjoy the preferential interest rate of this product, it is necessary to conduct a comprehensive evaluation in the banking system and receive the corresponding interest rate coupons according to the evaluation scores.

　　He checked, his evaluation score is 10000 points, and he can only get a 4% interest rate coupon, while to get a 3% interest rate coupon, his evaluation score must reach at least 17000 points. He was a little depressed. It turned out that the interest rate of this product was comprehensively evaluated according to the customer’s activity, assets and income, financial management and trading habits, provident fund social security and other factors, and not everyone could enjoy the interest rate of 3%.

　　Bank manager:

　　It is unrealistic for ordinary customers to want to borrow millions.

　　Is a large consumer loan a publicity stunt or a live ammunition?

　　As a financial consumer, the reporter visited and investigated, and found that the millions of large-scale consumer loan products that were hotly marketed by many banks, although advertised with the slogan of high quota and low interest rate, in fact, these products all have their own thresholds and restrictions, which are not easy for everyone to obtain. Its main customer groups are "white list" customers of invited units such as civil servants, institutions and large state-owned enterprises, as well as specific customer groups such as customers who apply for mortgage loans in the bank, high-quality and high-asset customers, new citizens and senior talents, and most products have certain requirements for provident fund and social security payment base and years.

　　Generally speaking, the amount of consumer loans available to ordinary customers is still around 200,000 yuan to 300,000 yuan, and interest rates may also rise.

　　For example, a joint-stock bank has launched a "golden loan" product. According to the publicity, the maximum credit line of this product can reach 2 million, the lowest annualized interest rate is 3.45%, and the longest credit period is 36 months. Pure credit is unsecured, and you can enjoy interest first and then principal for two years. The reporter inquired about the detailed description of this product and learned that the audience of this product is the high-quality customers of the invited units of the bank, and set access conditions for customers’ age, credit history and financial strength. The reporter called the bank and learned that if this product wants to obtain a large amount of credit, it must first have requirements for the customer’s unit, and in addition, it must be comprehensively considered according to the customer’s income and debt level.

　　For another example, in order to meet the consumption demand of high-level talents and promote the financial empowerment talent chain, Bank of China Qingdao Branch innovatively launched the "Talent Consumption Loan", which is the first unsecured and unsecured pure credit loan for high-level talents in Shandong Province. Among them, the highest credit amount for Class A talents, Class B talents, Class C talents and Class D talents in the high-level talent classification catalogue is 2 million yuan, 1.5 million yuan, 1 million yuan and 800,000 yuan respectively.

　　In addition to big banks and joint-stock banks, small and medium-sized banks have also laid out large-scale consumer loan products. For example, Shenzhen Rural Commercial Bank launched a "consumer e-loan" for domestic individuals working and living in Shenzhen, with a maximum amount of 1 million yuan and a minimum annual interest rate of 3.6%. There is also a "job-sharing loan" with a maximum amount of 1 million yuan, which is based on the customer’s work unit. Only public officials, state-owned enterprises, bankers, listed companies, private hospitals or school personnel can apply.

　　In addition, compared with the eastern coastal areas, banks in the western region are relatively more cautious in approving consumer loan lines. The reporter visited many banks in the western region and found that the amount of consumer loans was mostly between 200,000 yuan and 300,000 yuan. Almost every bank takes the customer’s unit, the deposit of "five insurances and one fund" and other factors as the preconditions for calculating the amount of consumer loans and interest rates. Even at a branch of the Postal Savings Bank, the credit manager directly calculated the approximate credit line based on the deposit base of the provident fund without asking for other information.

　　Large sum and low interest:

　　To meet the corresponding evaluation conditions

　　As mentioned above, if you, like Ba Le, are interested in large-scale consumer loans and want to apply for these products, you need to pay attention to the following points:

　　A large amount of money is not available to everyone. Different banks have different application conditions and approval criteria. Generally, they will examine the customer’s credit score, income level, repayment ability, work unit, mortgage situation and other factors, and comprehensively evaluate the customer’s loan amount according to these factors. It doesn’t mean that the maximum amount of publicity is the amount you can borrow. It is very likely that you can only borrow a small part, or even not. Therefore, we should reasonably evaluate the loan demand according to our actual situation.

　　In addition, it should be noted that the application conditions and interest rate concessions of various banks are not the same, so we should pay attention to careful screening. For example, it must be a new customer, a quality customer, a "white list" customer, etc. If these conditions are not met, you will not be able to enjoy the corresponding "increase" and "cut interest rates". Therefore, financial consumers should not only look at the advertisements of banks, but also pay attention to reading detailed product descriptions and compare their own conditions with those of which bank, so as to save capital costs and meet consumer demand.

　　Banks should do a good job

　　Balance between risk control and attracting customers

　　Why do banks intensively launch "large-value, low-interest" consumer loan products? What are the advantages and disadvantages of such products for banks, consumers and regulatory authorities? What is the interest rate trend and development space of large-scale consumer loan products of banks in the future? In this regard, the reporter interviewed a financial expert from the regulatory department.

　　He believes that for banks, the introduction of large-scale consumer loan products is not only to cope with market competition, improve their business growth and profitability, but also to meet customers’ greater capital needs, especially in the peak consumption season such as the Spring Festival, which can stimulate consumption, stimulate domestic demand and promote economic growth.

　　"But large consumer loans are also a" double-edged sword ",and the amount has increased, which means that once there is a breach of contract or illegal capital flow, it will have a greater impact on the bank’s asset quality and reputation. In particular, do consumer loans really flow to consumption? For consumer loan funds that illegally flow into the stock market and the housing market, corresponding measures should be taken in time. " He reminded that banks should strike a balance between risk control and attracting customers, strictly control the qualifications and uses of customers, strengthen post-loan management, closely monitor the flow of funds, and find and deal with risks in time.

　　For consumers, large-value consumer loan products can better meet consumer demand and improve the quality of life. At the same time, we should also pay attention to whether they really need it, although the quota has increased. Can the repayment pressure caused by blind excessive borrowing be tolerated? In addition, we should also pay attention to comparing the product conditions and interest rates of different banks and choose the appropriate repayment methods and plans. "Generally speaking, the repayment method of equal principal and interest is suitable for people with stable cash flow, and the repayment pressure is shared equally every month, while interest before interest is suitable for people with one-time income at periodic points, such as large bonus income."

　　It is worth noting that during the reporter’s visit, a bank lobby manager specially suggested that customers should come to outlets or apply for large-scale consumer loans in mobile banking. Do not trust credit intermediaries to avoid capital damage or pay higher costs.

　　For the follow-up development space of this kind of products, the expert said that on the one hand, the customer’s demand preference is the main driving force of the bank’s large-value consumer loan products, and the product iteration depends on whether the customer has greater consumer demand, higher consumption quality and more consumption scenarios. On the other hand, the bank’s risk control and innovation ability are the main constraints of the bank’s large-scale consumer loan products. "The risk is controllable, the product is optimized, and the demand is strong. If these conditions are met, the large-scale consumer loan products will have the possibility of sustainable development."

　　According to national business daily