Loans generally require collateral or people, and the logo of collateral is generally assets or securities or commodities with certain value and liquidity.

Teacher's qualification certificate is a kind of qualification certificate, which has no realization value, so it cannot be mortgaged.

However, if you are a teacher and have a stable income (the teacher qualification certificate is not necessarily a teacher), it is more convenient to apply for a credit card with a quota of about1-50,000 yuan, because the teacher's occupation is relatively stable and the success rate of handling the card is very high.

On the other hand, the success rate of teachers' handling consumer loans is also high, but the amount is relatively small, because teachers' work is stable, but their income is relatively low. At the same time, handling large consumer loans also requires asset mortgage or pledge.