The personal credit report shows that the debt is high. There is no specific standard for this, and it depends on the debtor's income. Generally speaking, the personal debt ratio is not high if it does not exceed 50%, while some banks have strict requirements on the debt ratio and will require borrowers to have a debt ratio of not more than 30%. Personal debt ratio is also easy to calculate, that is, the proportion of personal debt to monthly income or annual income. For example, A's monthly income 1000 yuan, and the credit card bill needs to be paid back 4,000 yuan every month, then A's debt ratio is 40%, which is not high; If A still needs to repay the mortgage of 3,000 yuan, then the actual debt ratio of A will become 70%, and the general bank is likely to reject A's loan application. Of course, if the borrower's debt ratio is too high, but the value of the property that can be used as collateral under his name is high, then when the borrower goes to the bank to apply for a loan, the pass rate will be much higher.

1. Credit loan refers to the loan granted on the basis of the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. This kind of credit loan has long been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.

2. Credit loan conditions. From the current reality, the basic conditions for banks to issue credit loans are:

First, if the credit rating of enterprise customers is above AA- (inclusive), credit loans can be issued after approval by provincial branches of state-owned commercial banks;

Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable;

Third, the enterprise promises not to mortgage (pledge) its effective operating assets or provide external guarantees, or obtain the consent of the lending bank before handling the mortgage (pledge) and providing external guarantees;

Fourth, the operation and management are standardized, and there are no bad credit records such as evading debts and defaulting on interest.