Short answer：Use consistent criteria relevant to performing the tenancy rather than stereotypes or rumours. Personal information needs a clear purpose and appropriate protection.
Collect what is needed
Confirm identity, payment capacity and occupation arrangements proportionately, explaining use and retention. Do not collect unrelated personal history or distribute applicants’ documents to other owners.
Document expectations
Set out payment dates, repair reporting, use, occupants and handover. Guarantees, prepayment or agent screening do not eliminate default risk. Maintain records and use appropriate procedures if disputes arise.
Before deciding
- Apply consistent assessment criteria
- Limit access and retention
- Use evidence rather than stereotypes
Sources and method
Sources support the specific rules described. Checklists and hypothetical calculations are editorial explanations, not measured market results or individual approvals.
Revision：Removed unsupported experience, case outcomes and statistics; corrected the topic-specific rules and limitations described above.
Scope：General information only, not personalised legal, tax, immigration, admissions or investment advice.