It is best to have valuable documents such as passbook, national debt and time deposit certificate, and you can apply for a small pledge loan. For banks, this kind of business is less risky and the procedures are relatively simple. When handling, it is recommended that the lender and the pledgor handle it together, and bring their certificates and valid personal identification documents.

Mortgage loans for fixed assets such as shops, real estate and land. There are certain risks to the bank and the procedures are complicated. Is the stall of the shopping mall mentioned by the landlord a 40-year-old shop? If so, you can get a loan. As for the choice of banks, the procedures for establishing diplomatic relations between workers and peasants are relatively cumbersome, and the interest rates are not much different. Generally, the benchmark interest rate will fluctuate slightly, and other joint-stock commercial banks can also handle it. It's just that some branches are not authorized to start this kind of business. Finally, let's talk about city commercial banks. City commercial banks are the most efficient and should lend the fastest, and the interest rate will be somewhat different from that of national commercial banks.

At present, the benchmark interest rate for one-year loans is 7.29%, and 50,000 yuan 10 month is 3,037.5 yuan, calculated according to the benchmark interest rate.