1. Provide the credit information of your legal spouse: If your spouse has a stable income and a good credit record, you may consider providing his/her relevant information to increase the loan approval.
2. Find other guarantors: If your spouse is unwilling or unfit to be a lender, you can consider finding other guarantors, such as family members, friends or qualified guarantee companies. They can provide you with additional guarantees and increase loan approval.
3. Explore other loan schemes: If you can't meet the bank's credit requirements, you can consult other financial institutions or loan channels to find out whether there is a loan scheme suitable for your own situation.