There are three conditions, any of which can be loaned.

1. You are a local and have a stable monthly income certificate (salary slip) of more than 2,000 yuan.

2. You have real estate in your name.

There are locals over 20 and under 50 who are willing to vouch for you.

Any bank can lend, but it must pay back the money in full after 1 year, and can borrow again if necessary.