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1. Banks attach great importance to the occupation of borrowers. Because of some professional characteristics, income stability will be different. Generally speaking, the customers who can enter the bank's white list are employees of civil servants, teachers and other institutions. Although their income is not high, they have strong occupational stability and high safety factor. Under normal circumstances, it will not run away, and it will not be overdue easily.
2. If it is not a public institution, state-owned enterprises and fortune 500 enterprises are also favored by banks. Because they have strong strength and financial resources, the work and income of employees are relatively high, and the corresponding repayment ability will be higher. So for banks, loans will be easier to pass.
3. If you are the person in charge of the unit, middle and senior managers, the annual salary is basically hundreds of thousands, hundreds of thousands to millions. As long as you rely on the effective proof of the unit, you can easily enter the white list of bank customers, and the loan amount is much higher than that of ordinary grassroots employees.
4. If it is a bank's mortgage, provident fund loan, paying wages on behalf of customers or holding financial assets, it may also be included in the bank's white list. These customers are users with certain repayment ability, good assets and good personal credit, and the bank will give the green light accordingly.
The white list of bank customers is a mysterious list. Many bank credit products are required to be white-listed customers and invited customers in the application conditions column. In fact, if you want to enter this white list, you only need to meet certain conditions. To put it bluntly, the white list of banks is qualified customers and invited customers. If you meet the following conditions, you can also apply to join the list, which will make it easier to apply for loans and credit cards.