1. Have a stable source of income: the bank will check the source and amount of income of the lender and ask for relevant certificates, such as payroll, bank running water, etc.

2. Have a good credit record: the bank will evaluate the repayment ability of the lender and consider its previous credit record, so it is necessary to ensure a good credit record.

3. Provide house mortgage: the house to be loaned needs to be mortgaged, and the mortgage certificate should be clear and legal.

If you are only part-time and have no fixed income, you can increase the success rate of the loan by providing other assets or guarantees. At the same time, you can also choose * * to apply for a loan, so that people with fixed income can be used as * * * lenders. But it is best to consult with banks or other professional institutions to find out the possibility and specific situation of their own loans.