It is worth noting that at present, banks generally only carry out special consumer mortgage loans (such as automobile and housing mortgage loans) and small mortgage loans (personal time deposit certificate small mortgage loans).
Small mortgage loan means that the borrower applies for a loan from the savings office where the account is opened or the savings office introduced by it with the unexpired lump-sum deposit, lump-sum deposit with interest, large negotiable certificate of deposit (registered) and foreign currency time deposit certificate as collateral.
The starting point of small mortgage loan is RMB 100 yuan, and the amount of each loan does not exceed 80% of the denomination of the certificate of deposit (foreign currency deposits are converted into RMB according to the foreign exchange purchase price announced on the same day), and RMB 100000 yuan is a very high loan limit.
If you don't have the above-mentioned real estate as collateral, the loan is also possible. Banks should demonstrate the technical and economic feasibility of loan projects. To this end, beauty salons must collect a lot of information that is beneficial to them, fully consider various possibilities, choose high-quality and good wisdom options, and strive to obtain bank loans.