This is uncertain. Generally speaking, banks generally require applicants' personal debt ratio not to exceed 50%, while conservative banks control this ratio within 30%. One manifestation of high debt ratio is that the debt exceeds 50% of your income, and then new credit products are added, which will approach the critical point. Then if you encounter some unexpected situations, your repayment pressure will be very great, and there will be a high risk of overdue.

Interest rates of different loan channels

1, credit card cash installment or tx: Small partners who hold credit cards often think of borrowing money or tx with their own credit cards. First of all, tx swipes the card in some ways, which requires a handling fee. Ten thousand yuan is about 60 yuan to 80 yuan. If the interest rate is calculated by stages, it will be at least above 10%.

2. Mortgage loan: At present, the interest rate of bank mortgage loan is basically between 6% and 8% according to local policies and bank policies. However, we still need collateral that meets the requirements, and we need to go through various procedures, which is more troublesome.

3. Bank credit loans: At present, many banks also provide various mobile phone credit loans, with annual interest rates ranging from 8% to 14%, which will be slightly different according to product attributes. In addition, with some repayment methods, the interest is about 15%.

4. Small loan companies: There are already many loan companies with extremely low thresholds in the market. They only need to provide basic personal information, and they can provide loans ranging from thousands to hundreds of thousands. Low threshold will inevitably lead to high interest, and interest plus various handling fees is basically around 24%.

5. Small loan platforms: JD.COM Gold Bar, Bai Jie, Microfinance, Wanda Loan and other formal and reliable platforms all bear interest on a daily basis. The daily interest rate is about 0.05%, and the calculated annual interest rate is about 18%. There are also some mobile phone loan platforms with even higher interest rates, mostly around 36%, and the annual interest rate of some illegal online loans can even be as high as 200%.