Basic conditions: good credit and sufficient repayment ability.
When a bank approves a customer's loan application, it must first examine the customer's credit status and repayment ability. Only when these two points meet the requirements can we enter the next approval stage.
Key conditions: personal financial assets
If credit records are the basis of high-quality customers, then financial assets are the core. In fact, the higher the customer's contribution to the bank's profits, the more "high quality" the customer will be.
Many banks will decide the interest rate according to customers' assets in the bank when approving mortgage applications. Shanghai Minsheng Bank stipulates that customers can enjoy a 15% discount on interest rate if their daily average assets reach 3 million.
In fact, if you want to see how a bank defines a quality customer, you can refer to the application conditions of its gold card or diamond card. For example, China Merchants Bank sends golden sunflower card to customers with daily average assets of more than 500,000.
Auxiliary conditions: work unit, social status
High-quality customers should not only have a certain economic strength, but also have a certain social status in their careers. If you are a national civil servant, official staff of bank securities and insurance institutions (except insurance agents), doctor, teacher, senior technical title, certified public accountant, practicing lawyer, etc. , will become a plus item for quality customers.
(The above answers were published on 20 15-06- 16. Please refer to the actual situation for the current purchase policy. )
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