Does the applicant have a permanent residence: it is best to have a copy of the real estate license; Sometimes a copy of the real estate license is not provided. If you have a mortgage in the bank, the credit card credit center will also look for it.

Whether the applicant's income continues to be stable: for income, the higher the salary, the better! Sustained and stable middle income is better than unstable high income, and bank card salary is better than cash salary.

Is the credit record of the application good? This is very clear. It mainly depends on your personal credit card use/repayment information and loan information, as well as personal payment information such as telecommunications, water, electricity and gas.