Legal analysis: Loans for low-income households are the same as loans for ordinary people. Generally, the maximum personal unsecured loan is 500,000. Because of the high risk, there are restrictions. The specific amount depends on your income, debt situation, whether you have real estate in your name, and the stability of the bank statements provided will all affect the amount of your loan.

Legal basis: Article 17 of the "General Principles of Loans" The borrower shall be an enterprise (public institution) legal person, other economic organization, individual industrial and commercial household or individual industrial and commercial household that has been approved and registered by the industrial and commercial administration authority (or competent authority). A natural person with the nationality of the People's Republic of China and full capacity for civil conduct. To apply for a loan, a borrower must meet basic conditions such as a marketable product, profitable production and operation, no misappropriation of credit funds, and abide by credit, and must meet the following requirements: 1. Have the ability to repay principal and interest on schedule, and the original loan interest payable and The due loans have been repaid; if they have not been repaid, a repayment plan approved by the lender has been made. 2. Except for natural persons and institutional legal persons that do not need to be approved and registered by the industrial and commercial department, annual inspection procedures must be completed by the industrial and commercial department. 3. A basic account or general deposit account has been opened. 4. Except as stipulated by the State Council, the cumulative amount of external equity investments of limited liability companies and joint stock companies shall not exceed 50% of their total net assets. 5. The borrower’s asset-liability ratio meets the lender’s requirements. 6. When applying for a mid-term or long-term loan, the ratio of the corporate owner's equity of the new project to the total investment required by the project shall not be lower than the capital ratio of the investment project stipulated by the state.