Common bank mortgage loans are divided into the following categories:

1, car loan.

2. Mortgage.

3. Credit loan.

4. Operating loans.

Then the loan amount and the purpose of the loan are inseparable.

For example, the applicant's loan is to buy a car, and the loan amount of the lending institution is determined according to the value of the car. Under normal circumstances, it cannot exceed 70% of the value of the car. If the purpose of the applicant's loan is to buy a house, then the loan amount will definitely be higher.

Secondly, the loan amount is also related to the loan method. The amount of credit loans is generally lower than that of mortgage loans, which is also because lending institutions bear different risks. In order to reduce their own risks, lending institutions may not only raise the loan interest rate, but also reduce the loan amount.

Finally, the personal qualification of the lender also affects the level of the loan amount. If the lender has a high educational background, stable job, high income and good credit, it is easy to obtain a higher credit line.

Therefore, in order to increase the loan amount, the borrower must have a good credit record in addition to a stable job and income, otherwise it will be difficult to obtain a loan successfully.