1. People with stable income: Banks will be more inclined to lend to people with stable income, such as those who have formal jobs and continue to work for a period of time, because they have higher repayment ability.
2. Good credit record: People who have no overdue repayment record, normal credit card repayment and no other bad credit behaviors will be more competitive in the approval of bank loans.
3. Adequate down payment: it can provide a higher down payment, which can reduce the risk of banks and improve the loan pass rate. Usually the down payment will require 20%-30% of the house price.
4. Young people: Due to low income, parents can be considered as guarantors, and the possibility of increasing mortgage through banks can be considered.
5. Urban hukou population: People with stable hukou in cities are usually relatively easy to apply for bank loans.
Regarding overdue online loans, you can get a big data report through Zhiyi Big Data, learn more about your overdue records, classify online loans, and distinguish between formal and informal, credit reporting and non-credit reporting. If you want to pay back the money, but the funds are insufficient, you can negotiate with the online lending platform to give priority to repaying the formally granted loans and reduce the credit impact on you.