1. The bank's credit evaluation result to customers may not be ideal, so it only gave a credit limit of 200,000 yuan.

When the customer applied for a loan, he chose a shorter repayment period. Due to factors such as interest and handling fees, the actual loan amount is only 200,000.

3. Customers choose a higher repayment interest rate when applying for loans, and the final actual loan amount may also be affected to some extent.