Banks will not only refer to your income, but also refer to the nature of your work (private, state-owned enterprises, high-risk industries, such as KTV, etc.) when approving. ), social security, provident fund, individual tax, personal assets (real estate, automobile products, CCB time deposit certificates, etc. ), credit (whether overdue, whether holding multiple bank credit cards at the same time, debt ratio, etc. ), education and other aspects to verify the quota.