1. Require the user to provide the bank flow for more than 3 to 6 months, so as to prove whether the user's income is stable and whether the repayment source is sustainable.

2. The bank's running water needs to be more than twice the monthly housing loan, so that the bank can agree that users have sufficient repayment ability.

3. It is best to choose the bank's running water to pay wages, because it can reflect the actual economic income level of users.