The amount of the applicant's consumer loan has a great relationship with the applicant's personal work income and property status. If the borrower earns an average monthly income, but owns assets in his own name, then the amount obtained by applying for a mortgage loan at this time is relatively high. The loan amount of mortgage loan is mainly determined by the assessed value of collateral.

If the borrower has less assets in his personal name, but his income is relatively high and stable, then the loan amount obtained by directly applying for credit loans will be relatively high. Qualified borrowers can get up to ten times their monthly income.

If the applicant has neither high income nor sufficient property as proof, then in order to obtain a higher application amount, it is best for the applicant to apply for a secured loan, and if there is a very qualified individual as a guarantor, applying for a secured loan is also a way to obtain a consumer loan.