一线亲测！消费贷额度可达千万？高额度下还需警惕这些风险

Core Viewpoint - The competition in the consumer loan market is shifting from a "rate war" to a "limit war," with banks focusing on offering higher loan limits to attract quality customers [2][9]. Group 1: Market Trends - Consumer loan products with limits of 1 million yuan are becoming common, with some banks offering loans up to 10 million yuan [2][3]. - A state-owned bank's "house mortgage loan" offers a maximum limit of 10 million yuan, with potential increases to 15 million yuan for qualified applicants [3][4]. - The trend of high loan limits is also seen in joint-stock banks and city commercial banks, with products tailored for specific consumer needs, such as auto loans and home decoration loans [4][5]. Group 2: Application Process and Requirements - Despite the high advertised limits, the actual approval process is stringent, with many applicants facing rejections or receiving much lower approved amounts [5][7]. - Banks assess multiple factors, including personal credit history and income stability, to determine loan eligibility, favoring high-quality clients [7][8]. - Some banks have specific restrictions, such as requiring collateral or limiting applications to certain customer segments [7][8]. Group 3: Regulatory Environment - The increase in consumer loan limits is closely tied to government policies aimed at boosting consumption, encouraging banks to expand their lending under controlled risks [9][10]. - Recent policies have allowed banks to raise loan limits and extend repayment terms, reflecting a proactive approach to stimulate consumer spending [9][10]. - The implementation of fiscal subsidy policies aims to reduce financing costs for consumers, further promoting economic activity [10][11].