Before a bank loan, it is mainly to examine the "character" and "asset status" of the borrower (here refers to the natural person). First of all, I have a good personality, no bad credit record, no gambling, drug-related or pornography-related behavior, and a strong willingness to repay after borrowing. Secondly, assets should be abundant, that is, "a solid family foundation" and a stable source of income. In line with the above two basic conditions, it is very likely that banks will approve loans.