2. Housing mortgage loan If a self-employed person applying for a loan has a house that can be used as collateral, he can apply for a mortgage loan. When applying for a mortgage loan, the mortgaged property needs to go through all the formalities, which meets the requirements of the bank to apply for a mortgage loan. 3. Self-employment/entrepreneurship/online store operation of small loans. For self-employed individuals who have just started their own businesses, those who have already started their own businesses have business licenses, tax registration certificates and related business licenses issued by the administrative department for industry and commerce. If you are still in preparation, you need to provide relevant business certificates (such as the basis for the planning or preparation process of some entrepreneurial projects). If you are an online shop owner, you can also set the loan amount according to the operation of the online shop. Specific steps of microfinance: 1. Borrowers apply to bank outlets that provide small loans. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license. 2. After receiving the lender's application, the bank will review the lender. The bank mainly examines the personal credit status and personal income status of the lender to decide whether to lend money. 3 through the examination and approval of the bank, signed a loan contract with the bank. 4. The bank lent money, and the lender successfully got the loan. The above four steps are the general process of bank microfinance. Different banks may have slightly different provisions on microfinance, and the materials to be submitted are also different. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.