The bank will look at your income and assets, and of course your previous payment history. If you qualify read this:
Tips regarding personal loans:
Even if you qualify for a large amount of cash, you may consider other options that can be cheaper. Check if you can get a home equity loan. The interest rates are hopefully much lower.
What do you buy for the money? ( personal loan)
If you spend all on shopping and travel you normaly don't have any assets after you spend. Buying a car, motorcycle, consumer electronics like flatscreen, playstation, or even real estate are prefered. At least you have something to sell if you should have trouble paying off the loan.
This are just suggestions - Personal loans are personal, so you are free to do whatever you please.
