1. Good credit record: applicants need to have a good credit record, and there are no bad credit records such as overdue and breach of contract. It is recommended to check its credit report before applying to confirm its good credit record.

2. Stable income: Banks need to verify the income of applicants to evaluate their repayment ability, so they need a stable source of income, preferably a stable job or stable operating income.

3. Have certain repayment ability: The bank needs to assess the repayment ability of the applicant, so it needs to provide relevant income certificates to verify whether there are other debt burdens.

4. Provide certain mortgage guarantee: In order to reduce the loan risk, the bank may require certain mortgage guarantee, usually the applicant's fixed assets or other valuable property.

If you are facing the problem that online loans are overdue and being collected, I suggest you go to Kingfisher Data to get a detailed big data report, understand your overdue records, and classify your online loans, so as to distinguish between formal loans with credit information and informal loans without credit information. If you want to pay back the money, but the funds are insufficient at present, I suggest you negotiate with the online lending platform to give priority to repaying formal and reputable loans and minimize the impact on yourself. This will not only improve your credit, but also help you apply for other loans in the future.