The first thing that is certain is that individuals can use personal assets as collateral to obtain loans. There are many personal assets, and the most popular one now is real estate. Others include financial products such as stocks, bonds, funds, etc. As for the car you mentioned, this is more difficult. Nowadays, car mortgage loans made by banks require repayment within three years, so there is a time factor in it.

As for the mortgage evaluation, you don’t have to think about it yourself. When you get to the bank, these procedures are just procedures, and there are specialized departments to do these things.

It should be noted that the loan methods, loan interest rates and other conveniences are very different in different banks. This requires you to shop around to find the best solution. .