What I know is that unsecured loans, that is, credit loans, are limited to the annual income of the loan guarantor MINUS last year's expenses. At the same time, as your source of repayment, your family income must also meet the debt service. If the loan is for one year, the annual income is only 60,000 yuan, and even less than 60,000 yuan except the daily expenses, the loan for one year will not work.