After understanding these points, it is still easy to pass.

I. Types of Loans There are many types of loans from banks, including credit loans, mortgage loans and secured loans. Different loan products have different requirements for borrowers, so everyone should try to choose products suitable for their qualifications.

2. Banks with different credit requirements have different credit requirements for borrowers. State-owned banks have the most stringent requirements and will regard them as the key criteria for loan review.

3. Repayment ability Repayment ability is the most important in bank loan review. In addition to reviewing the borrower's repayment ability and other general qualifications, it will also review the outstanding loan amount under its name. Once the debt ratio exceeds 50%, it is easy to cause the audit to be rejected.

4. The information is true. Many unqualified borrowers will make false packaging, especially wages, in order to gain bank recognition.