1. Credit record: Citizen e-loan subprime lenders need to review the borrower's credit record, including credit card repayment records, loan records, overdue records, etc., to evaluate the borrower's repayment ability and credit status .

2. Personal income and liabilities: Subprime mortgage lenders need to review the borrower’s income sources and liabilities, including salary income, investment income, assets such as real estate and vehicles, as well as debts such as loans and credit cards. To assess the borrower's repayment ability and debt affordability.

3. Identity authentication and document review: Subprime mortgage lenders need to review the borrower’s identity certificate, work certificate, bank statement and other relevant documents to verify the borrower’s identity information and asset status and ensure the borrower’s information true effectiveness.

4. Other review matters: Subprime lenders also need to review other matters of the borrower, such as the borrower's social background, personal credit and other information, to comprehensively assess the borrower's credit status and repayment Will.