The debt ratio of loans is a very important indicator, after all, debt will affect the repayment ability. Once you have too much debt and your repayment ability is seriously insufficient, you can't borrow money. So, how to solve the problem of too much debt and not being able to borrow money? Here are a few loan tips for your reference. how to solve the problem of too much debt and not being able to borrow money? Credit loans and outstanding credit card debts are all personal liabilities. When the borrower's debt ratio exceeds 5%, it will be considered as high debt. If the debt is too high, the more money you have to pay back. In the case of limited income, it is easy to be overdue. If you borrow money again, you will refuse. You can try the following methods to solve the problem of excessive debt: 1. Repayment in advance Many people often apply for installment after credit card consumption in order to alleviate the repayment pressure. Although the monthly repayment amount of a single installment is small, they can't hold back the number of pens, and the money to be repaid in each installment adds up to a lot. You can terminate the credit card installment by prepayment, and the debt will naturally drop. There are also loans that are repaid on a monthly basis, and debts can also be reduced by prepayment. 2. Increasing income This is the most direct and effective method. After all, debt and income are directly proportional, and the debt space will increase with the increase of income. Compared with the current income, the corresponding debt ratio is definitely lower than before, and the borrower's borrowing risk is not as high as before. Increasing income is not only making money, but also buying wealth management and deposits. 3, increase * * * There are many loans to support the repayment * * * with loans, common car loans, mortgages. * * * The same loan refers to the same income of two people. If one person's debt was higher before, the income of two people was equivalent to the total income, and the debt would not be so much. * * * Both parties to the loan should have good credit and meet the loan conditions. The above is the related introduction of "How to solve the problem of borrowing too much money", and I hope it will help everyone.