It means that the bank will grant a certain credit line based on the preliminary estimate given by the customer's qualifications. This means that the bank loan limit is estimated for you, and you cannot go to the bank for a loan exceeding this limit.

For example, the Agricultural Bank of China pre-approved a credit of 300,000 yuan. The pre-credit limit of RMB 300,000 is an estimated amount given to customers by the Agricultural Bank of China. It is generally the maximum loan amount that customers can refer to. Of course, this limit is only an estimate. It is a preliminary estimate given by the bank based on the customer's qualifications, and is not the final credit limit.

If you want to lend out a credit line, the lender must go through strict review by the bank. After the bank's evaluation, the final credit line may be higher than expected. Whether the customer can be approved and how much quota can be finally approved must be determined after the system receives the customer's application and conducts a detailed assessment of the customer's work income, asset and financial level, liabilities, credit status and other aspects.