The household registration book is your household registration certificate and cannot be used as a guarantee for the loan. You can apply for a loan from a bank with a monthly income of 4,500 yuan, but bank loans are about compliance with regulations and repayment ability. In other words, if the bank gives you a loan, it will determine the amount according to your income.

For example, if you work in a formal private enterprise, the purpose of the loan is consumption. The current consumption category is usually buying a house, a car and a large amount of durable consumer goods, and some banks can issue marriage loans. Of course, they don't usually do much.

Generally speaking, the conditions of a loan are fixed residence, full capacity for civil conduct, good credit, repayment ability and loan guarantee.

As for how much you can borrow, it is hard to say exactly, but the estimated amount will not be very high, because consumer loans clearly stipulate that the monthly repayment amount accounts for 50% of the family's monthly income.

What bank is good? This question is not easy to answer, but I suggest you apply to banks that focus on the microfinance market, such as postal savings and rural credit cooperatives.