First of all, excluding underground banks and other non-bank institutions is neither economical nor safe.

Credit cards generally don’t give you such a high limit.

It depends on the bank.

Any bank loan requires you to meet three conditions: loan purpose, personal credit, and repayment ability.

The purpose of your loan complies with the bank’s requirements, no more!

In terms of personal credit, the bank will check your credit record. As long as there are not too many overdue or bad records, it is generally not a big problem.

Repayment ability is the most important issue. You need to use materials to prove to the bank that you have the ability to repay. The bank will ask you to provide proof of company income, etc. If you have not had a job before, you can only apply in the name of your parents or spouse.

The amount of 40,000 is too small to get a mortgage loan.

Standard Chartered Bank’s vitality loan does not require collateral and is relatively fast and convenient. His loan limit is 4-10 times the applicant's monthly income. In other words, you can apply if your immediate family members’ monthly income reaches 5,000 yuan to 10,000 yuan. Based on a three-year period, the monthly repayment is about 1,300 yuan. For details, you can call 800-820-8088