Lending institutions attach great importance to debt in the process of reviewing loans. If the debt is high, the repayment ability will be weak. Under normal circumstances, personal liabilities cannot exceed 50%. If you want a large loan, the debt ratio should be controlled within 30%. Assets are the visible hard power of borrowers, which is an important embodiment of borrowers' income ability and repayment ability. If you want to get a large loan, you must have certain assets, such as real estate, cars, insurance policies, deposits, financial certificates and so on.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.