With the development of Internet finance, one of the forms of personal loan products - – NetLoan has been gaining public attention and use. Net access is an online credit product characterized by ease and flexibility, but many are puzzled by how its loan lines are determined. In fact, the amount of net access is based on a combination of factors。

What's the size of a net loan

First, individual credit records are one of the important factors in the determination of the fast-track lending line. Personal credit records are a comprehensive assessment of a person ' s credit position, which includes personal lending records, repayments, overdue records, etc. Through an assessment of an individual ' s credit record, a web-based loan allows an understanding of a person ' s past lending behaviour, thus judging his credit position. If a person has a good credit record and does not have a bad record such as lateness, then he or she usually has a relatively high amount of Internet access。

Second, personal income status is also one of the important factors in the consideration of net lending. Personal income is the source of repayment of loans and an important indicator of a person ' s ability to repay. Net lending usually requires the borrower to provide relevant proof of income to assess his income stability and disposable capacity. A borrower with a stable income and greater disposable capacity is generally able to obtain a higher level of net lending。

In addition, web-based lending companies will take into account market demand and risk control factors to determine loan lines. Depending on different market demand and risk tolerance, IGFs may set a certain ceiling on the loan line. Such an approach would both satisfy a reasonable need for borrowing and control the risk of the loan and ensure its security。

Finally, the use of an individual when applying for a loan may also affect the determination of the fast-track loan line. Some specific borrowing purposes, such as the purchase of property, the operation of a business, etc., may require higher loan lines. Other uses, such as the purchase of consumer goods, tourism, etc., may require lower loan lines. Depending on the purpose for which the individual applies for the loan, the Internet-based loan company determines the amount of the loan according to market demand and risk control。

In summary, the amount of net lending is determined by a combination of factors such as personal credit records, income status, market demand and risk control. For borrowers, the maintenance of a good credit record, the provision of a stable income certificate, and a clear description of the purpose of the loan have all contributed to a higher level of net lending。