However, the loan must meet the bank's lending conditions. Now banks generally have three kinds of loans, you can refer to them:

First, mortgage loans, you must have real estate, cars and other valuable things to mortgage.

The second is pledged loans, such as stocks, bonds and other securities.

Third, secured loans. If there are problems with the first two items, you can find someone with good credit to guarantee them. It is more feasible for ordinary civil servants to guarantee bank loans.

For small loans, the conditions are slightly wider. You can find loans from Agricultural Bank of China, Postal Savings Bank or local banks. Big banks are usually bureaucratic.