I am in Yiyang City, Hunan Province, and I have real estate, which can be mortgaged. I want to borrow money to do some small business. Did not work in a large enterprise or national unit. How can I get a loan? Go to a bigger bank, and don't look for state-owned banks such as ICBC and China Construction Bank, because they are not easy to lend because of the policy. You can find Everbright, Pufa, Postal Service, etc. The account manager in charge of personal loan will explain the detailed process to you. Bank loans to individuals must go through guarantee companies, and different banks will designate different guarantee companies, and the loans will be collected after they are approved.