Core Insights - Some banks offer more lenient loan products despite credit checks and high debt levels, providing opportunities for borrowers who may be rejected elsewhere [1][12] Group 1: Loan Products - Bank of China offers "Flexible Smart Loan" with a maximum limit of 300,000 and an annual interest rate starting at 3.1%, accommodating borrowers with multiple credit inquiries and higher debt [3] - Agricultural Bank of China's "Agricultural E-Loan" focuses on the borrower's business condition rather than strict debt requirements, as long as there are no serious delinquencies [4] - China Everbright Bank's "People's Loan" is less stringent on credit inquiries and debt ratios, primarily considering serious overdue payments [5] Group 2: Loan Application Guidelines - Banks generally require that monthly income should cover twice the monthly loan payment, indicating a basic principle for loan eligibility [7] - It is essential to select the right loan product that fits the borrower's specific situation, similar to how one would seek appropriate medical treatment [8] - Preparing necessary documentation such as salary statements, social security records, and housing fund proof can demonstrate repayment capability [9] Group 3: Timing and Strategy - Loan approvals may be more lenient at the end of the month or quarter due to performance pressures on bank staff [10] - Borrowers should be cautious of intermediaries promising loans without credit checks, as these claims are often misleading [12] - Improving personal financial conditions, such as debt restructuring and enhancing income proof, can facilitate loan approval [13][15]