1, marital status
Married customers will be more stable and more favored by banks than single customers.
2, technical titles and working status
The technical title is the proof of the customer's working ability. Employees with high stability can get extra rewards.
3. Economic ability
People with detailed personal income certificates, stable income and long-term income growth prospects will get higher ratings.
4. Personal housing
Owning a personal house can also prove that an individual has a certain economic foundation and can get extra points.
5. Credit history
If the borrower has an account in the bank before and often has funds coming in and out, the bank will also consider adding points. Education level: higher scores than graduate students will be higher.