銀行ローンにあって消費者金融には無いメリット

金融

今までにカードローンでお金を借りたことがある人は多く、銀行や信販会社など、数々の金融会社が融資をしています。

銀行のカードローンには、総量規制という年収による借り入れ制限が適用されることはありません。

ローンの申し込み時の審査にさえ合格できれば、年収に関係なく、高額の借り入れを行うことも可能です。

総量規制の範囲外になるという銀行ローンの特性を利用して、他社から借りていたローンを、一本化するという借り方もできます。

もしも、銀行以外のノンバンクの金融機関でおまとめローンを組みたい場合は、不可能なことではありませんが、別途そのための手続きをすることなって、煩雑です。

スポンサーリンク

収入によって借入額が制限されることがないのが、銀行のカードローンの特徴だと言えます。

カードローンの審査の通りやすさを単純比較することは困難ですが、銀行の審査OKの割合は、消費者金融会社の審査OKの割合の半分程度でしかないという指摘もあります。

それだけ銀行の場合は審査が厳しく、比較的時間が掛かることも多いので、ともかくすぐにお金を借りたいという人には向いていません。

ただ、金利の面でも銀行のカードローンは消費者金融などの金融業者より低くなっていることがほとんどです。

消費者金融会社の最高金利は18%程度ですが、銀行は最高でも15%程度で借り入れをすることが可能です。

銀行のカードローンは審査にどうしても時間がかかるので、すぐにお金がいる時は間に合いません。

長く利用することを考えている場合や高額の借り入れが必要な時には、銀行のカードローンを選んだ方が賢明と言えます。

スポンサーリンク

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