As we all know, borrowing money requires proof of work and income. The loan amount often has a great relationship with wages. The higher the salary, the larger the loan amount. So will the loan amount really increase with the increase of wages? Today, let's talk about the relationship between loan amount and salary. Generally speaking, the loan amount is positively related to the salary. Under the same circumstances, the higher the applicant's salary, the higher the loan amount. However, lending institutions are not only concerned about the salary and income of applicants. When the applicant has excellent other conditions, he can get a higher amount even if his salary is low. In addition, when the loan amount reaches a certain level, banks or lending institutions may consider the lender's loan purpose, whether the loan is risky, and whether the lender's credit is good. The relationship between the loan amount and the salary will be weaker, and the salary income will not affect the loan amount. So what kind of relationship should be maintained between the loan amount and the salary for the general personal loan? First of all, banks and many lending institutions stipulate that the monthly repayment amount should be less than 50% of the income, because more than 50% of the monthly repayment amount will have a heavy burden of life and a great risk of default. Generally speaking, the loan amount is best determined by multiplying 30% of the monthly salary income by the number of loan cycles, because 30% of the salary income can not only allow the lender to apply for a good loan amount, but also has little repayment pressure, and the lending institution will often approve it. In addition, the more stable the salary is, the higher the loan amount will be, because in the eyes of lending institutions, the applicant has stable income, good repayment ability and low risk of default.