Proof of salary is only one of the conditions for applying for a loan, and other certificates are needed. Take Ping An Bank's Xinyi loan (the threshold for bank loans is low) as an example.

Application materials:

Second generation ID card

Proof of income, proof of assets, etc.

Proof of loan use, etc.

Business information, etc. (for self-employed persons)

Application conditions:

China citizens with full capacity for civil conduct and holding second-generation identity cards.

Age 25 years (inclusive) ~ 55 years (inclusive)

Continuous working time in the current work unit is not less than 6 months.

The average monthly income is more than 4,000 yuan (not less than 5,000 yuan in first-tier cities)

Other conditions required by Ping An Bank.