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How does the state stipulate unsecured and unsecured loans?
Unsecured loans are credit loans. Now the country has liberalized the credit loan market, and many banks have credit loan products, but some banks like high-quality customers, so they also entrust this kind of micro-credit loan to some professional financial institutions. The specific steps and conditions of the loan are different for everyone. I suggest you don't go to the website to learn about the various loan products of major domestic banks at present, and then choose the product that suits you: /activity/loan2009/index.html? Com mender = fudan061029008. This summary introduces various personal loan products of various banks in detail, including application conditions, interest rates and application amount. Then you can choose to go to the bank or apply directly online. Generally speaking, the specific loan interest rate is determined by many factors, such as the qualifications of the applicant, collateral and other guarantees, the nature of financial institutions and so on. Different applicants and loan types need to provide different application materials. Common personal data such as: identity certificate, work certificate, residence certificate, etc. Enterprise application materials, such as business license, financial statements, loan cards, etc. Financial proof of mortgage loans such as real estate and automobiles; Credit loans such as income certificate and bank card statement. I don't know what kind of loan you want to apply for First, credit loans (that is, unsecured loans) are recommended. You can try-(1) online fast application channel-to solve the financial problems of SMEs and individuals quickly. Amount: 0.5-50,000 yuan. Online application address: /QuickLoan/index.jsp? Dashi=fudan06 1029008 (2) civil servant credit loan-loan application amount: 8,000-300,000 yuan Online application address:/event/product/folk credit -fudan06 1029008.html (3) Elite Easy Loan-to enterprises or company executives. Amount: 500,000-500,000 online application address:/activity/product/elite-fudan061029008.html (4) Personal salary loan-personal consumption demand guarantee loan, granted to the borrower according to a certain proportion of the borrower's monthly salary income, with his personal salary income as repayment guarantee without guarantee. Amount: 50-200,000 yuan. Online application address:/activity/product/salary -fudan06 1029008.html (5) Credit loan for college students-fast loan without mortgage and guarantor, providing convenient personal loan scheme for college students. Quota: 5000 yuan-65438+100000 yuan online application address:/activity/product/college-fudan061029008.html (6) petty bourgeoisie easy loan-a professional personal loan scheme that provides unsecured, guarantor-free and fast loans for working men and women who are pursuing a quality life and a charming life. Helping the petty bourgeoisie I. Quota: 80-200,000 yuan Online application address: /activity/product/ol-Fudan 00 Quota: Online application address:/activity/product/marriage -fudan06 1029008.html (8) Easy car loan-a credit car loan for car buyers who lack funds. Amount: 5,000-200,000 yuan Online application address:/activity/product/carroan-fudan061029008.html (9) Decoration Easy Loan-a personal credit loan with a single loan not exceeding 500,000 yuan for the purpose of family housing decoration. Amount: 8,000-500,000 yuan Online application address:/activity/product/decoration-fudan061029008.html (10) Home Easy Loan-a personal credit loan issued to meet the consumer demand of the borrower for furniture, household appliances and home decoration. Amount: 50-200,000 yuan. Online application address:/activities/products/furniture-fudan061029008.html (11) Travel Easy Loan-issued to borrowers who need funds for travel, and used for individuals or family members to pay for special travel units. Travel expenses refer to the total amount of travel expenses such as transportation expenses, accommodation expenses, tickets, services and related expenses involved in tourism projects handled by specialized tourism units and designated by lenders. Amount: 50-200,000 yuan. Online application address:/activity/product/trip-fudan061029008.html (12) Beauty Easy Loan-a personal credit loan to create a beautiful life for beauty lovers. Specific uses can include beauty, plastic surgery, fitness, artistic photography and other expenses. Amount: 50-200,000 yuan Online application address:/activity/product/beauty-fudan061029008.html (13) Easy Loan White-collar refers to a special loan channel for high-quality customers opened by Easy Loan China for white-collar workers in large and medium-sized cities across the country. Applicants who meet the loan conditions will enjoy priority VIP services. Quota: 80-300,000 yuan Online application address:/activity/product/whiteloan-fudan061029008.html (14) Personal Credit Easy Loan-Personal Credit Easy Loan, that is, personal unsecured and unsecured credit loan, is a popular loan product customized by Easy Loan China for individuals with loan needs all over the country. This product is deeply loved by customers because of its limited application scope and flexible combination of loan term, interest rate and repayment method. Customers who apply for "personal credit easy loan" will also enjoy "zero handling fee" service and free professional loan feasibility evaluation service. Amount: 80-500,000 yuan. Online application address:/activities/products/creditloan-fudan061029008.html.