The first is the purpose of the loan. Although consumer loans can be used for many purposes, the loan amount for different purposes is also different. If the borrower applies for a consumer loan to buy a car, the maximum amount cannot exceed 70% of the car payment. If the borrower applies for a consumer loan for shopping, the maximum amount can be 100% of the purchase price. If the borrower applies for a consumer loan to buy a house, the amount is 70% of the market value of the house.

Secondly, it is the personal credit conditions of the loan applicant. Personal credit can not only determine whether you can apply for a quota, but also reflect the level of the quota. Of course, people with good credit can get a higher quota, which is especially reflected in credit loans.

Furthermore, if you apply for an unsecured consumer loan, the borrower's monthly income is very important. When applying for unsecured personal consumption loans, the maximum amount that borrowers can get is generally about 10 times of their monthly income.

In addition, applying for personal consumption loans will also determine the loan amount because of the different lending institutions. If it is a mortgage consumer loan, then of course, the evaluation value of the collateral is the most critical. The higher the evaluation value, the higher the quota.