1. Work unit: Generally speaking, for personal loans, banks attach great importance to users' work units, such as civil servants, state-owned enterprises, institutions, teachers and doctors. It is easy for these occupations to apply for loans in banks, and the loan amount obtained is relatively high and the loan interest rate is low. Many banks have bank loans for these jobs, and the application materials are very simple. All they need is an ID card, a bank card and nearly six months' salary.

2. Debt ratio: When approving bank loans, we attach great importance to the debt ratio, which refers to the ratio of the lender's total loans to total assets or annual income. There are often individuals or enterprises who have no problems elsewhere when handling loans at banks, but the loan approval fails because of excessive debts. If the debt is too high and exceeds the repayment ability of the lender, the risk of default will increase greatly, and even mortgage loans such as mortgage loans will not be approved by the bank.

Not all bank loans are low interest. Some bank loans have higher interest rates than some online loans, and banks adopt different interest rates for different users. If your personal qualifications and credit are poor, the bank will control the risk by raising interest rates.

2. Are there any loans with low bank threshold?

Micro-credit loan is a kind of loan with low threshold for banks at present.

Microfinance application materials:

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

Personal information of the bank:

1. China citizens with full civil capacity who have a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place;

2. Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;

3. There is no bad credit record, and the purpose of the loan cannot be used for house purchase, stock trading and gambling.

3. Can banks lend money? What is the threshold for bank loans?

Banks can lend money, and there are many ways for banks to lend money, such as credit loans and mortgage loans. However, bank loans need to meet certain conditions. The conditions for applying for a bank loan are as follows:

1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. The borrower has a fixed residence or a valid identity document in China;

3. The borrower has a stable occupation and income source and the ability to repay the principal and interest;

4. The borrower's personal credit status is good.