1, financial assets
If you have certain assets in the bank, it means that you have enough repayment ability. The more financial assets you have in the bank, the higher the grade and the higher the quality. It should be noted that the financial assets mentioned here not only refer to deposits, but also include wealth management products, funds, gold, trust products, insurance and so on. Buy at the bank.
2. Credit card use
There are too many people who have credit cards now, but not many people use them regularly. Maybe they can't brush it a few times a year after they apply. Lack of activity will affect their reputation. In addition, the credit card must be repaid on time after use, otherwise the consequences of overdue will be very serious.
3. Mortgage customers
No matter which bank applies for a mortgage, it is basically a quality customer. For customers with good mortgage repayment records, banks are more willing to lend to them.
4. Work unit
Civil servants and employees of public institutions, large state-owned enterprises and employees of Fortune 500 enterprises are deeply loved by banks because of their high income, stable occupation and high social status. In addition, if their occupation is a high-income and stable customer group with social status. For example, lawyers, doctors, accountants and teachers are also very popular with banks.
5. High income
A high and stable income ensures sufficient repayment ability, even if you don't have a stable job, as long as you can provide verifiable income proof. For example, if you run a tea shop and you apply for a loan from the bank, the bank will ask you to provide a running account of the tea shop. If the income is high, it will also be a quality customer.