Institutions are mainly divided into trust funds, insurance funds, pawn shops, microfinance companies and other non-banks with financial licenses.

Generally speaking, this kind of funds takes a little longer, three days at the earliest. If it takes a week, the requirements are also looser, mainly depending on the housing situation, and the requirements are much looser than those of dry banks. Of course, the interest rate is higher than that of the bank. Generally, the monthly interest rate is between 0.55% and 0.79%, with a maximum of five years, after which the principal and interest will be repaid.