Because normal bank business offices only provide real estate mortgage loans.

Normally speaking, business outlets do not accept credit business for individual customers. If you want to borrow money, it is recommended to contact a third-party company. They will give you a matching plan based on your personal qualifications. The loan policies of each bank are different and It may change from time to time, and it is impossible to determine the specific product without seeing the credit report.

Taking China Construction Bank as an example, credit loans need to meet the following points:

1. A natural person who is 20-55 years old and has full capacity for civil conduct; has a local permanent residence or Proof of long-term residence, with a fixed residence;

2. Have a stable and legal source of income, the ability to repay the principal and interest of the loan on time, and the borrower's family annual income is more than 20,000 yuan; have a rating or recognition by the China Construction Bank Credit rating of BBB (inclusive) or above;

3. Good credit standing, no bad credit record in the bank’s personal credit reporting system.