Generally speaking, the bank's micro-loan amount is 1 1,000-200,000 yuan, but different banks have different regulations on the maximum loan amount. For example, the micro-loan amount of Ping An Bank is 500,000 yuan; The minimum amount of CCB's small loan is 5,000 yuan, subject to the regulations of the handling bank selected by the borrower.

The scope of private microfinance is larger, ranging from several hundred yuan to several hundred thousand yuan. The borrower's limit is determined according to repayment ability, credit situation and other factors.

The factors that affect the borrower's small loan amount are as follows:

1, unit nature: employees of state-owned enterprises and institutions are not only easier to apply for high quotas than employees of private enterprises, but also the rates will be much lower. The more stable the unit, the higher the quota;

2. Job nature: Sales jobs will have great mobility and relatively poor income stability, so their requirements are stricter than ordinary jobs; And management is simpler than the requirements of employees;

3. Stability of income: it is easier for those with stable running water to be approved than those with floating running water (some institutions with intermittent running water refuse to apply), and those with increasing running water (increasing month by month) are easier to apply for higher loans than those with stable running water;

4. Credit history: slight overdue and a small amount of short-term overdue may not affect the pass rate of small loans, but it will affect the amount of small loans, because banks often do not give too much credit to users with tainted credit in order to avoid risks.

5. Debt ratio: When applying for a small loan, don't have too many outstanding debts, which will make the bank feel that you are overburdened and won't give too high a quota, lest you use it to cash out debts.