Where is the guarantor? Some people need guarantees.

And the company's income certificate, last year's financial certificate.

Of course, the amount of provident fund loans should also refer to the amount of provident fund deposits last year.

On the premise of these, we can work out whether the mortgage can be repaid.

There is also the so-called monthly salary of 20,000, not every month, but the average crew is 6 to 8 months, and 20,000 is rare all year round, unless it is a tugboat or a passenger ship in the river.