1. Mortgage loan: Individual industrial and commercial households can choose mortgage loan in case of insufficient funds. When the borrower has a house and a car, he can choose mortgage loan, real estate mortgage loan and automobile mortgage loan which are more suitable. Treasury bonds, insurance policies, certificates of deposit and other assets can also be used as collateral to apply for pledged loans.

2. Unsecured loans: In addition to banks, many formal lending platforms have also launched some unsecured loan products that are conducive to the development of small and micro enterprises.

3. Obtaining loans from private lending platforms: Borrowers can also apply for online loans from local regular lenders on the online lending website (choose qualified lenders first).

What conditions do individual industrial and commercial households need for loans?

1. Business license for self-operated projects that need more than 12 months and need to be reviewed by the industrial and commercial department;

2. The applicant has full capacity for civil conduct and is a citizen of China who has reached the age of 18 and has a fixed residence;

3. The borrower has a certain repayment ability and can provide bank flow for nearly six months;

4. The applicant needs to have a fixed business place and a stable income;

5. Have a good personal credit record;

6. Need to guarantee, pledge or mortgage.