(1) There is no mortgage. You need a running account, fixed address (water and electricity receipt) or water and electricity card, work certificate and provident fund. However, there is no mortgage. The most important thing is to look at your running situation.

(2) Mortgage refers to taking a car and a house as collateral. According to the number of years, you will get a corresponding discount on the things you mortgaged.

Personal loan is also called retail loan business:

(1) has become an important loan business after decades of development.

(2) Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation.

(3) When the lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.