Does the subject want to ask, "Is it necessary to take all the income of the borrower as the main repayment source of the loan?" No, according to the enquiry of China Travel Service. Com, when classifying loans, it is necessary to take the assessment of the borrower's repayment ability as the core, the borrower's normal operating income as the main source of repayment, and the loan guarantee as the secondary source of repayment, so it is not necessary to take the borrower's total income as the main source of repayment.