1. Good credit record: The borrower should have a stable, sustainable, legal and stable income source, such as salary, operating income and rental income. , and have a good credit record without overdue, arrears and other bad credit records.
2. There are no major bad records in the personal credit report, such as tax arrears and court enforcement. To ensure the borrower's good credit record, better evaluate the borrower's repayment ability and risk degree, and control the loan risk.
3. The central bank's personal credit report score is within a certain range: the specific range will be different according to different loan products and the specific situation of borrowers.
4. Do not borrow from multiple sources: Borrowers should avoid applying for loans or credit cards from multiple financial institutions, which will have a negative impact on the borrower's credit report.
5. Historical compliance of loan application: The borrower should apply for a loan according to the prescribed methods and procedures to avoid providing false information or concealing important facts.
6. Reasonable debt level: The borrower should have a reasonable debt level to ensure that his debt will not be too high and affect his repayment ability.
7. No guarantor or collateral: CCB Dave is a personal consumption loan product, and usually does not need a guarantor or collateral.
8. Moderate credit inquiry times: The borrower's credit inquiry times should not be too frequent, which will affect his credit score.
9. No judicial disputes or execution records: The borrower should avoid involving judicial disputes or execution records, which will have a negative impact on the borrower's credit record.
10. Meet other relevant requirements: there are other requirements related to the specific situation of the borrower, such as stable occupation and income.