Bank's criteria for judging customers
Class a customers:
1. government agencies (civil servants, career establishment) 2. Institutions. 3. Public schools. 4. Public hospitals. 5. State-owned enterprises and central enterprises. 6. Fortune 500 companies. 7. Top 500 Chinese enterprises. 8. Domestic and foreign financial institutions.
Class b customers:
1. has a mortgage, and there is no overdue phenomenon. 2. Master degree or above. 3. Monthly income before tax 10000 yuan on behalf of tax evaders. 4. Accounting lawyer. 5. Class A important state-owned enterprises that have been submitted for approval.
Class c customers:
1. The current unit has continuously paid the housing provident fund for more than 6 months.
2. Class A personnel, informally compiled or not signed a formal contract.
3. Class B personnel who have not signed a formal contract.
Advantageous customers (bank loans, annualized interest rate of 4.35%-6%)
1. Payroll after personal income tax deduction
2. Social security of provident fund
There are full houses in the country.
There are mortgage houses all over the country.
Ordinary customers (monthly interest rate of institutional purchase 1.25%-2.28%)
1. There are national vehicles.
2. Have a national insurance policy (insurance)
3. Have a Beijing business license
4. Have a Beijing hukou
5. Credit card use for more than one year, micro loans, loans, sesame score of more than 700.