For those who have cars and houses, they can realize their houses and cars without capital turnover, but for those who have no houses and cars, can't they get loans? Now some banks have launched personal wage loans for this group of people. The so-called personal wage loan refers to the loan granted by banks and other financial institutions to borrowers according to their monthly wage income and a certain proportion of their wages, with their personal wage income as repayment guarantee. Loans are mainly used for personal consumption needs and do not need any mortgage guarantee. However, to apply for a personal wage loan, the borrower must meet the following two conditions: first, the borrower must have a fixed occupation, a stable economic income, and the ability to repay the loan principal and interest on time; Second, the borrower's personal credit record is good. Application conditions for relevant knowledge: 1. A natural person with full capacity for civil conduct; Two, a local permanent residence or valid residence status, a fixed detailed address; Three, a legitimate occupation and a stable and reliable source of income, with the ability to repay the loan principal and interest on schedule; 4. Holding the agreement or contract signed with the dealer designated by the lender for the purchase of designated brand cars; V. Providing mortgage, pledge or third-party guarantee with the property recognized by the lender, and the guarantor is an individual or unit recognized by the lender with compensatory ability and joint liability; 6. If the buyer is a husband and wife or a family member, he must be present to apply. If one party cannot be present for some reason, it shall fill in the power of attorney and sign and seal it; Seven, in the bank designated by the lender, there is a deposit of not less than the first payment amount; Eight, the implementation of other loan conditions stipulated by the loan bank. Term, interest rate and amount of car loan. If you apply for a loan by pledge or the bank or insurance company provides joint liability guarantee, the down payment shall not be less than 20% of the purchase price, and the maximum loan amount shall not exceed 80% of the purchase price. Two, the purchase of vehicles or other real estate mortgage loans, the down payment shall not be less than 30% of the purchase price, the maximum loan amount shall not exceed 70% of the purchase price. Three, to apply for loans by third-party guarantee (except banks and insurance companies), the down payment shall not be less than 40% of the purchase price, and the loan amount shall not exceed 60% of the purchase price. The loan term is generally 3 years, and the longest is not more than 5 years (including 5 years), depending on the nature of the borrower. For taxi companies or car rental companies, the longest loan period is no more than 3 years; The loan period for other enterprises and institutions shall not exceed 2 years in principle; The term of personal loans is generally 3 years. Credit advantages of unsecured loan banks: establishing bank credit, real credit lending, addition, comprehensive credit, revolving loan. The application process is simple: the procedures are simple, the approval is quick, and the loan is timely. Appropriate loan term and amount: the loan term is as long as 120 months, and the loan amount is as high as 70% of the assessed value of the collateral. Convenient repayment method: cooperate with the normal cash flow of enterprises, reduce the interest burden and the capital flow pressure of one-time repayment due.