How to get a loan without a house or a car:

First, apply for personal credit loan.

In fact, banks also have personal credit loan business, which can be applied directly with the borrower's credit without providing collateral. Therefore, people who have no house or car can choose to apply for personal credit loans, but the amount of credit loans is generally lower than that of mortgage loans.

Second, choose a bank with business.

If you don't have a house or a car, you can choose a bank with business contacts to apply for a loan. For example, if you have a credit card in a bank, you can use it to borrow money from that bank. If you have wealth management and financial products in the bank, so much the better, because these business contacts with the bank will improve the success rate of loan application.

Third, provide a suitable guarantor.

People who have no house or car can also borrow money from the bank if they can provide suitable guarantors. Because of the effective guarantee, the success rate of bank loans will be greatly improved.