1, borrower's age

25-40 years old is the most popular group, followed by 18-25 years old and 40-50 years old, and the loan amount will be different at different ages.

2. Occupation of the borrower

Different users' work units will also affect the loan amount, such as civil servants, teachers, doctors, lawyers, certified public accountants, and industries with strong competitive advantages, such as finance and power supply, with strong repayment ability, the loan amount will also rise.

3. Solvency

Monthly income can intuitively reflect the borrower's repayment ability. The relationship between loan amount and monthly income can refer to the following formula: the monthly income is more than twice the monthly payment, and a stable income can ensure sufficient repayment ability.

4. Age of the house

In the process of mortgage, the bank will inspect the age of the house, which generally takes 20-25 years. Older second-hand housing loans may be reduced, and banks may refuse loans when they encounter strict conditions. Simply put, the shorter the house age, the easier it is to get a loan, and the amount is higher than that of an older house.

5. Personal credit information

Personal credit information can be said to be one of the important criteria for banks to consider borrowers. Banks generally review the credit card credit records of borrowers within two years and the loan credit records within five years. The better the credit information, the higher the loan amount.

6. The borrower purchases bank products.

Some banks will regard borrowers who buy wealth management or other financial products in the bank as quality customers, and it is easier to obtain interest rate concessions and loan quotas.

7. Do you have a criminal record?

Some factors, such as being sued for debt disputes, having a crime or a bad record, etc. , will make such people's personal credit zero, and banks have the right to refuse loans to them.

You can get such a high quota at once, which proves that you are a customer with good repayment ability and credit in the eyes of the bank. Giving you a higher quota is to encourage you to use their wealth management products more. This is a means used by banks to attract customers. Just like the promotion and discount activities in supermarkets, you don't need to worry too much.

I hope my answer is helpful to you. For more credit knowledge, please search.