If the personal debt ratio does not exceed 50%, then users can apply for provident fund loans. The debt ratio has reached or even exceeded 50%, so the economic pressure on users will be very great. If you apply for provident fund loans, the risk of overdue will be higher. Therefore, when the user's debt ratio reaches or exceeds 50%, there is a certain probability that the application for provident fund loans will not pass the examination.

Of course, the asset structure, income and asset stability of different users are different, and the debt ratio is affected by these factors. The debt warning line of different families depends on the actual situation.