- Collateral that is one of the "last secured measures" when the borrower is unable to repay the loan. At that time, the bank can negotiate with the borrower to sell the collateral to pay the debt and related costs.

- Financial capacity: This can be considered as the "first" condition for banks to consider lending. Because during the loan term, if the borrower has financial capacity and stable income to repay the loan, the new bank will give priority to this borrower.

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One of the bank's requirements for borrowers before considering a loan decision is that the borrower must demonstrate a stable income. As follows:

- Income from salary: Labor contract, payslip, bank statements (if the company pays salary via account)...

- Income from valuable assets: Savings books, houses, residential land, cars...

-Income from rental properties: Borrowers need to have documents such as rental contracts, documents on rental properties, rental receipts, etc.

- Income from business activities: Borrowers can provide documents such as household business license, license tax, electricity bill, goods purchase and sale invoice...

In order to increase the rate that banks accept the loan, the borrower needs to provide sufficient documents to prove their stable income and the ability of loan repayment. In addition to applying the above methods individually, borrowers can use the above methods at the same time.