Refers to the amount that the lender can borrow from the borrower without providing property guarantee. It usually means that a natural person borrows money from a bank, and the bank is willing to provide the highest amount of loans according to the credit status of the individual.

This amount will be determined unilaterally by the bank because of income, income, debt ratio, work content, company, company position, property and so on.

This kind of lending relationship is usually that banks lend money to natural persons. On the other hand, it is usually necessary for commercial organizations and transnational exchanges to lend money to organizations.