1. Credit evaluation: The bank will evaluate the applicant's credit, including personal credit record, income status and employment stability. If the applicant has a good credit record and a stable source of income, there is a certain chance to get a loan.
2. Repayment ability: The bank will also consider the applicant's repayment ability, including current debts and expenses. If the applicant's monthly income is enough to repay the loan and other debts are not too heavy, the bank may approve the loan.
3. Other factors: In addition to credit evaluation and repayment ability, banks will also consider other factors, such as job stability and work unit background. These factors will also affect whether the applicant can successfully get a loan.
Summarize all debts, and query and summarize all your debts on the third-party big data platform, such as green dog quick check and network dome data. , and clearly understand their debts and overdue information. , which will help to better specify the repayment plan.
To sum up, ordinary office workers can get a bank loan of 6.5438+0.2 million while meeting the requirements of bank credit evaluation and repayment ability. Summarizing debts and knowing your own debts will help you plan your repayment plan better.