The higher the score, the better the qualification.
After reading this table, you will find that quality customers have the following characteristics:
1. Age
Between the ages of 25 and 45, because people of this age have the ability to earn money by working.
Step 2 get married
People who are married and have children are undoubtedly the most stable.
Older men and women, if it is not a personality problem or other problems, there must be a reason, because excellent people have never been seen, at least not around me.
3. Hukou
The locals explained that they are relatively stable and their social relations are stable.
4. Education
The higher the educational background, the higher the probability of stable income.
5. Work unit
A good unit is definitely a plus item.
Freelancers, income instability is a high probability event, unless they are rich second generation.
Step 6: Location
Managers are sure that the income is still relatively high.
In any industry, promotion and getting rich are basically the same.
Therefore, if you have the opportunity to do management, don't always do technology.
7. Assets
Fourth, there are young people: cars, houses, insurance policies and deposits.
Any youth with four qualities is a high-quality youth.
8. Debt
Basically, it depends on the credit card usage limit in the last six months.
The red line for the use of credit cards is 80%. Remember this standard.
It is best not to exceed two online loans, and the total amount should not exceed 60,000.
9. Income
The higher the monthly income, the better.
But be reasonable when writing. The basic formula is: 8- 10 times the monthly mortgage; If there is a premium, the annual premium is 8- 10 times.
Be bold and thick-skinned when filling in. After all, this is a basic formula, which is unreasonable and dishonest (multiplied by 10).
10. Number of queries
It's not on the form, but it's important
Credit card approval and loan approval count the number of inquiries about credit information.
The more times you ask, the more money you need.
So be careful, the number of inquiries is not Pinduoduo, the more you do, the lower your score.
Finally, tell everyone a word, cherish credit information and stay away from online loans.