I believe that not only customers, but also many unsecured loan practitioners in Changsha often have the following confusion: the loans approved are often far from their expectations. In fact, for formal credit lending institutions, any application has strict auditing standards and procedures, and these standards are accurately transformed into various risk assessment indicators, and the final allocation amount is the result of integrating various indicators. So it is not difficult to understand: until the end, no individual has the ability to accurately predict the final approval result. So, what is the reason for this gap? Hardware: Self-qualification determines the credit loan amount. Credit loans are only evaluated in terms of personal income, job stability and credit records. So these basic "hardware" conditions determine the maximum amount that an applicant can apply for. Specifically, there are the following differences: 1, unit nature: to some extent, the difference of unit nature determines the stability of the work. Therefore, relatively speaking, for wage earners, employees of state-owned enterprises and institutions are not only easier to apply than employees of private enterprises, but also have slightly lower rates; 2. Nature of the post: The sales job will be highly mobile and the income stability will be relatively poor, so its requirements are more stringent than those of the general post; And management is simpler than the requirements of employees; 3. Stability of income: the income is mainly reflected by the bank flow in the last 3/6 months, so whether the flow is intermittent (there is no account in a certain month); The span of monthly income will have different effects; 4. Embodiment of income: For wage earners, there is a world of difference between cash and bank payment; For an enterprise as a legal person, whether a company account is embodied through a company account or a private account has different effects. In a word, the advantages of paying wages through bank/enterprise account are obviously stronger than others; 5. Personal credit record in 5.PBC credit information system: whether there is a credit record is a key; The quality of credit records is another key; Although not every credit loan service platform requires credit records, applicants with good credit records are far superior to those with blank credit records; Similarly, credit records have bad records such as serious overdue/freezing/advance payment. , directly reject the application; Software: the degree of cooperation restricts the examination and approval results. Having hardware does not represent the final result, and the degree of cooperation in the later stage is also the key; 1, Married or not: Although the applicant is not required to be married, experience has proved that the application of married people whose spouses support the loan behavior is much smoother than that of unmarried/divorced people; 2. Does the spouse/parents support it: it is not necessary to let the family know about applying for a credit loan, but if the spouse/unmarried person has the support of parents, the approval result will be very different; 3. Smooth telephone communication with relevant contacts: Credit loans will require applicants to fill in relevant contacts, such as relatives/friends/colleagues. Although not all phone calls will be verified, at least some contacts will be selected. If the selected person can cooperate well, it will be of great benefit to the applicant's application result; Therefore, it is suggested that when filling in the applicant, try to write someone who knows you better and is willing to cooperate; 4. Whether there are bad habits: Bad habits will definitely affect the application results by understanding the relevant network profile, gambling, drug abuse, crime and other behaviors; 5. Is there any real estate in my name at the place of application: the applicant is not required to have real estate (except pure owner's loan), but if the proof of real estate in my name at the place of application can be submitted as auxiliary materials, it will be of great benefit to the application result; 6. Location of account: Many credit loan service platforms do not require the applicant's account, but it turns out that if the account is located at the application location, the application result is also very favorable; A few years ago, there was a TV series called "Don't treat the village head as an improper cadre", with a humorous but reasonable title. In fact, the same is true in the field of credit loans, that is: don't use credit to judge improper leadership. It is not enough to have excellent "hardware" and later "software". Because no matter what conditions, the results are summarized by human audit. You are human, and it is inevitable that you will have feelings. So there will be "emotional points". Cleverly playing the emotional card is very different for the loan audit results. As for how to do it, it depends on their own way. In short, in a word, it makes credit examiners feel comfortable, less risky and respected. And please remember: credit review is to control risks, they are not begging for money! The above is my experience of unsecured loan in Changsha, which I hastily wrote, hoping to get more support and exchanges from my peers.