Credit loan:

1.

General credit loans require the applicant to have a legitimate occupation and a stable income (generally, it is required to provide bank running water to prove salary income).

2.

If you have real estate and vehicles, it can help you increase the amount and possibility of loans.

3.

You need to have a good credit record, and you can't maliciously default or delay repayment many times.

Mortgage loan:

1.

You need to provide collateral, such as property.

2.

Generally speaking, the age of the room should not be too high (rarely accepted for more than 20 years)

3.

Generally speaking, the property is unsecured (or even if the mortgage loan has not been paid off), unless you can pay off the last loan before lending.

Special loan:

Some loans have special requirements.

For example, providing local real estate can provide loans below 50,000 yuan, fast car mortgage loans, stock mortgage loans, loans only for international students, and so on. There is even a request to provide the contact information of six relatives and friends.

The specific situation needs to be determined according to your own situation.