There are many factors that affect the loan, such as:

1, personal credit information, such as the number of inquiries, whether there are expectations, etc.

2, personal comprehensive strength, if you have a car and a house, it is relatively easy.

3. Current liabilities.

What is explained here is the credit card consumption limit, which is also considered as the debt limit.

When many banks handle loans for customers, they will inquire about how many credit cards customers have and the amount currently used in the credit report. For example, if you have three credit cards with a total amount of 65,438+10,000, you have already used 99,000 when you applied for a loan. Sorry, it will definitely affect the loan amount.

Remember: most banks are icing on the cake, don't be demanding, because banks and credit companies are commercial organizations, all of which want to make profits and have risks to control.

The suggestion is: during the loan processing, you can use a credit card, but don't go near the empty bank.