1. Value of collateral: The bank will evaluate the value of collateral, such as real estate and vehicles, to ensure that its value is sufficient to pay the loan amount.
2. Condition and legality of collateral: The bank will check the condition and ownership of collateral to ensure that there are no disputes or legal issues.
3. Lender's credit and repayment ability: The bank will evaluate the lender's credit record, income and repayment ability and decide whether to issue loans.