First, the loan amount.

For the sake of capital risk and reducing the bad debt rate, banks pay special attention to controlling the loan amount when approving loans. The bigger the loan amount, the greater the risk. Therefore, when two people with similar conditions apply at the same time, most banks will give priority to those who apply for small loans.

Second, the length of the loan period.

For banks, banks don't like long-term loan applications. This kind of loan takes up a lot of bank credit funds, which reduces the utilization efficiency of bank funds and increases the risk of funds. Therefore, when issuing long-term loans, banks will require loan applicants to provide mortgages or guarantees.

Third, the lender's repayment ability.

For banks, the lender's repayment ability is also an important reference for their decision-making when examining loan applications, and the repayment ability is related to the nature of the lender's work and income. For two people with similar incomes, banks prefer people with stable jobs.