Simply put, it is mainly the following three elements:
Good credit report;
Long-term rich income;
Quality assets.
Whether it is credit loans or mortgage loans, they mainly start from these aspects, but the emphasis is different. Generally, only high-quality customers will have a higher loan amount. If your initial amount is low, you can optimize it by some methods and gradually increase it later.
1. Maintain good credit.
Banks are also afraid of risks. Once the loan is made, if the borrower refuses to repay it, the bank will also lose a lot, so the initial amount is relatively low. As long as you repay the loan on time, you will gradually increase the quota after the inspection period. After all, banks can charge more interest.
2. Long-term stable and effective tap water
On the one hand, the work unit is more important. If you are a civil servant, a teacher, an executive of a large enterprise, etc. You will be favored by the bank. In addition, the income should be stable and you can't change jobs frequently. You actually work a few months a year and have changed four or five jobs, which shows that your income is unstable and you have no ability to repay continuously. In short, a good income stream can be measured by interest settlement. The more interest settlement, the more effective your flow, the better.
3. Quality assets
Generally, it includes houses, cars, certificates of deposit, securities, company equity, etc. It is advantageous to put these assets in your name. You should try to apply for a loan from which bank you usually deal with, so that the pass rate will be higher and the amount will be higher.