1. Good credit: Personal credit is an economic identity card, which plays a very important role in today's society. People with good credit are more likely to be favored by lending institutions than those with poor credit, with high loan approval rate and low interest. Take ordinary mortgage as an example. People with good credit can enjoy preferential interest rates, and loan interest rates for people with bad credit will rise above the benchmark interest rate. 2. Strong repayment ability: including many aspects, such as strong occupational stability, such as institutions, top 500 enterprises, civil servants and so on. Their jobs are stable, their income is considerable, their welfare benefits are good, and their repayment ability is stronger than that of ordinary employees in private enterprises. In addition, many banks have low-interest loans specifically for these units. 3. Owning personal assets: it can be used as a guarantee of repayment ability and can also reflect the economic strength of the borrower. This kind of people have low loan risk, and lending institutions are definitely willing to grant loans, and the interest rate given is relatively low. Generally recognized personal assets include real estate and automobile products with complete property rights, as well as wealth management products and life insurance policies with liquidity value.