It's ok to have no deposit. As long as you have a principal of 1W RMB, you can go to the local China Bank to handle related business. At present, this business of China Bank is linked to the proof of studying abroad assets, which means that you can borrow 1W of your principal, which is frozen. The bank deducts interest from your principal every month, and the freezing period is at least half a year. This move is mainly aimed at those who are personally engaged but have no funds at hand at the moment. The name seems to be called studying abroad loan business, so you may wish to consult.