What is the purpose of your loan?

If you are buying a house, you probably won’t be able to get a loan unless your family helps you buy a house in your name, with proof of their income, and the collateral is the house you are about to buy.

If you are buying a car, you probably won’t be able to get a loan unless your family helps you, same as above.

If it is an ordinary consumer mortgage loan or an unsecured loan, different banks have different conditions. You can try some small banks. Of course, the premise is that you are about to graduate or have a time deposit in your name (or Current account, good credit certificate). Many foreign banks now offer unsecured loans, and you can ask friends with fixed assets to help provide guarantees.

Interests, car loans and even unsecured loans are all different. The interest rate of home loans can be 30% off. Car loans also depend on the discounts of car dealers. Consumer loans are basically equivalent to 1-year loans/ Loan interest rates for 3-year/5-year terms and above.