First, the monthly salary is not necessarily high, but the household income of consumer loans must be able to repay the monthly payment, and the monthly payment/income of housing loans should be less than 50%;

Second, unsecured loans are generally only targeted at specific groups, such as civil servants, tertiary hospital doctors, university teachers and so on. Or have policy support, such as farmers' loans and national student loans;

Third, the credit of big banks is relatively good (five, the establishment of diplomatic relations between workers and peasants).

Fourth, the repayment method still depends on income and use. If it is used for short-term operation, it is best to expire once. What you spend mainly depends on your solvency.