Under normal circumstances, the amount of loans granted by credit cooperatives is not determined by the head of the household or other status. But whether the borrower has civil capacity, credit degree and family income, as well as the purpose and type of the loan to determine the loan amount. As far as credit loans are concerned, that is, unsecured loans with mortgages are generally not very high. It is considered that the maximum amount in economically developed areas will not exceed 50,000 yuan, and even in backward areas will not exceed 1.5 million yuan. In addition, loan officers must rate borrowers when granting such loans. If they are not the highest level, they can't borrow the highest amount. If they are not even rated at the lowest level, they cannot issue such loans to borrowers. Secured loans are different. Mainly depends on the quality and value of the collateral and loan guarantee provided by the loan to determine the loan amount. For example, the value of collateral provided by the borrower is 6,543,800 yuan, and the borrower wants to borrow 600,000 yuan, but the bank's loan requirement for such collateral must be 50% of the value, which means that the credit cooperative can only lend you 500,000 yuan at most. Other secured loans are also compared with this category.