1. You should have a stable job and income, and have good working conditions, such as state-owned enterprises, institutions and top 500 enterprises. After all, the better the work unit, the more assured the bank is of the applicant's repayment ability.

2. When filling in your income online, try to write it as high as possible, but according to the real situation, the applicant can add bonus, year-end bonus or extra income to let the bank know that he has enough repayment ability.

3. At least bachelor degree or above; Working time is more than one year, the longer the better; Family status, preferably married with children, let the bank know that you have a stable family environment; It's best to write the company's address at the mailing address to let the bank know that your job is stable.