It depends on how many years you have borrowed it. The monthly repayment amount of 2600-3200 salary should not exceed 1600, and it is better to be below 1300. In this way, you estimate that you need to borrow 15 years, and the lower your repayment amount accounts for the income, the higher the possibility of approval. Are you single? ; Are you alone? If you are married, you should also add your partner's income. Anyway, the monthly repayment amount should not be higher than 50% of your income. If your bank has a fixed amount of salary paid by the same account on a fixed day every month, it is best to write words in the salary paid. It doesn't matter much if the balance at the end of the month is small. Each bank has different requirements for the lender's bank flow. Generally, China banks are the most stringent, followed by Agricultural Bank, China Construction Bank and Industrial and Commercial Bank, and other banks will be more relaxed. If it really doesn't work, there can be a co-payer. If you are single, you can find your parents as co-payers.