Since it is a city hukou, you can choose to apply for a credit card. If it is best to have a house in your name, you can apply at all banks. It is estimated that any one of your needs can be solved ~ ~

If you don't have a room under your name, you can ask a friend to help you (a large unit) open an income certificate.

Or apply for a credit card in the name of the owner (it should be your home). The credit card is valid for 3 years and can be reused every month. After finding the trick, even the interest is free.

It's best to ask a friend for help to open a certificate of work income (if you don't bear the responsibility of economic guarantee, it is specially indicated on the application form). Credit card is the only way for ordinary citizens in China to get small loans from banks!