First of all, it is clear that personal salary cards cannot be mortgaged. Personal salary card, just a debit card issued by the bank, is not eligible for mortgage loan. Because the collateral used for loans must be property with certain value, such as houses and cars.

Personal salary card can't be mortgaged, but it doesn't mean that personal salary card loans can't be widely promoted. In fact, it is what the industry calls a "personal credit loan". The loan is unsecured and guaranteed to be free. As long as the personal credit is good and the salary is paid in the personal salary card, you can apply for a loan from the lending institution. When applying, you only need to bring your ID card, work certificate, half-year salary card and nearly two bills for water, electricity and electricity payment.

Personal salary card can not apply for mortgage loan, if there is no collateral, it is recommended to apply for personal credit loan. However, credit loans require higher personal credit. If the credit is tainted, it is more difficult to apply for a credit loan.