According to your situation, you can consider three kinds of loans.

First, venture loans often have preferential policies, such as interest subsidies or government subsidies. At present, many local governments and banks have introduced preferential policies for entrepreneurial loans for college graduates and laid-off workers.

The second is mortgage loan, which often requires real estate as collateral, such as a house or a car. The amount of mortgage loan generally does not exceed 70% of the assessed value of collateral.

Compared with venture loans, mortgage loans have the advantages of relatively loose application conditions and relatively simple approval. Most importantly, if the value of collateral is high, the amount of mortgage loan will increase accordingly. However, if there is no qualified collateral, it is often impossible to apply for such loans through bank approval.

Third, national debt or mortgage loans. This kind of loan often needs voucher-type national debt or bank deposit certificate as pledge, and each loan does not exceed 80% of the denomination of pledged national debt. It is worth noting that in addition to these two forms, pledged loans can also be obtained through credit resources such as insurance company policies and personal credit.

Your situation is more in line with commercial loans. If the loan amount you need is not high, in addition to the above, you can also consider personal credit loan, which is often called unsecured loan.

You can log on to the Rong 360 loan search platform to view the detailed loan strategy, compare different loan types and different bank loan conditions, and choose the loan that suits your situation best.