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的50%。若消费贷额度较高，导致总负债超过个人月收入的50%，银行可能会因担心借款人还款能力不足而拒贷，或者要求降低贷款额度、提高首付比例。2.逾期记录：消费贷逾期会在征信报告中留下不良记录，银行通过征信报告核查还款记录时...

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