Of course, the loan must be mortgaged, or if you are a college student and have a business loan, you can borrow100000, but you must have the guarantee of a civil servant or teacher. But the reality is that even if you have a guarantee and are not familiar with people in banks and governments, you can't get a market economy at all. It is not good for a win-win bank to give you money, so the most practical thing is that there is a loan when there is a mortgage.