Loans mainly depend on personal credit information and personal qualifications. If you have a good personal credit, a stable job and a good repayment ability, you can borrow money. However, if you are rated as the minimum living allowance, the general economic conditions are not very good, and you can borrow money, but the probability of passing the loan will be very low. But if you still don't improve the economic environment after the loan, it will generally not affect your subsistence allowance and will not be cancelled.

People who will be disqualified from subsistence allowances.

1. All family members who have real estate or shops in this city will be cancelled.

2. Any family member who owns a private car, luxury goods or registered company will be cancelled.

3. Those who have the ability to work but deliberately open up wasteland will be cancelled (children who have the ability to work at home will also be cancelled).

4. If the deposit of all family assets exceeds the local minimum living standard 12 times, it shall be cancelled.

5. Family members who take drugs, gamble or have high consumption behavior will be cancelled.

6. If the "related households" in the village are reported, the confirmed ones will be cancelled.

China's restrictions on loans.

Loan stock trading does not meet the bank loan management regulations. Loans issued by banks need to be earmarked, but none of them are used for stock trading, so users are not allowed to use any loans for stock trading, otherwise it will violate the bank's regulations. The bank's restrictions on the use of mortgage loans are: personal loans cannot be used for funds, stocks, usury and investment in real estate; It shall not be used for illegal purposes such as gambling, which violates national laws and regulations and is prohibited by state regulatory authorities. When we apply for a loan, we usually ask for the purpose of the loan. We should know that in fact, if the loan purpose is properly filled in, it will improve our loan pass rate, while the loan purpose is unreasonable, which is likely to lead to your mortgage loan being rejected. Loans are allowed for personal consumption and business operation. Personal loans can be used for large-scale consumer goods, home improvement, marriage, travel or study abroad, as well as medical care and other special and reasonable consumption purposes. When applying for a loan, borrowers need to pay attention to the purpose of the loan. If the use is not in compliance, the loan cannot be issued. After the loan is issued, if it is verified that the funds are not used for the specified purpose, the lending institution will consider the borrower to be in breach of contract and may require the borrower to repay in advance.