1, personal credit. As long as there are business contacts in the bank, such as a credit card under its name, the bank can carry out post-loan management, find that the credit is good, and will take the initiative to push some loan quotas, hoping to use them. This is the pre-approval amount, which is determined according to the credit information.

2. Personal assets. There may be some investment and wealth management, deposit, mortgage, car loan and other businesses in the bank. These are valuable assets that can be used for mortgage or credit loans. The bank will select some high-quality customers and give them a pre-approved quota.

3. Random selection. It is possible that the bank has launched a new loan product. During the promotion period, I hope more people will use it and choose some customers with good qualifications and good credit to push the loan amount.

4. advertising. The pre-approval amount is generally displayed on the home page or loan amount page, and other information needs to be supplemented in the actual application, so it is normal that there is a gap between the two.

5. Personal needs. Sometimes individuals don't need such a high quota, and the bank will give a maximum quota in advance according to the borrower's situation, and the borrower can apply according to his own needs within this range.