1. Check the personal credit inquiry record: if the borrower inquires too many times in a short period of time, and the cumulative number of inquiries exceeds 6 times in half a year, then the bank will generally refuse the loan;
2. Check overdue records: Generally, the borrower is required not to be overdue for three consecutive months, and the cumulative overdue times in the last two years cannot exceed six times. If the loan has been settled, proof of settlement is required;
3. Check the borrower's debt situation: Generally speaking, the lending institution stipulates that the borrower's debt ratio cannot exceed 50%.