1. See which bank you usually have more business. Banks with many general businesses and large assets have high customer ratings. You can go to that bank to check your customer rating. If the rating is high, it is more convenient to get this number. This is the easiest way.

I will give you a reference standard. Personal owned assets are 2 million yuan or the average annual balance of the account is more than 200,000 yuan. General bank credit is based on this.

2. Mortgage loan. To be precise, the bank can't give you a loan without collateral. This is common sense. Many people don't know this article and think they can make an exception. As a result, they were cheated. Mortgage or car loan is ok, depending on your specific situation.