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Credit loans refer to loans issued based on the creditworthiness of the borrower, and the borrower does not need to provide guarantees.

Its characteristic is that the debtor does not need to provide collateral or third-party guarantees. It can obtain a loan based only on its own reputation, and the borrower's creditworthiness is used as a guarantee for repayment. This type of credit loan has long been the main lending method of Chinese banks. Since this type of loan carries high risks, it is generally necessary to conduct a detailed investigation into the borrower's economic benefits, management level, and development prospects to reduce risks. It is mainly applicable to enterprise (institution) legal persons, other economic organizations and individual industrial and commercial households approved and registered by the industrial and commercial administration department, and complies with the requirements of the general loan rules and bank regulations.

1. The application conditions are as follows:

1. Aged between 25-55 years old;

2. Worked in the current unit for half a year, with an average monthly salary of The income must be no less than 3,000 yuan, and in some cities (Shenzhen, Guangzhou, Shanghai, Hangzhou) no less than 4,000 yuan;

3. Must have a credit record. Customers who have not applied for a credit card cannot apply;

4. For those with stable and continuous salary income, individual industrial and commercial households and business owners can also apply.

If you meet the above conditions, you can apply for a bank credit loan, with a minimum loan amount of 30,000 yuan and a maximum loan amount of 300,000 yuan.

2. Application materials: second-generation ID card, proof of work, proof of loan purpose, proof of income (proof of income in the past six months), and residence permit. If you meet the above conditions, as long as the materials are complete, you can receive the loan as soon as one day. There is a unique remote approval mode that allows you to borrow only once; the loan term can be chosen between 12 months, 24 months and 36 months. . The procedure for applying for a bank credit loan is simple. You only need to go to the bank to fill out the application form and contract, and the loan application is complete.

3. Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation of the borrower's economic benefits, management level and development prospects to reduce risks. Credit loan business is mainly handled through banks, loan companies and electronic financial institutions. Domestic banks with credit loan products include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank, Bank of Ningbo, etc. Credit loans (credit loans) are booming in China. Although it didn't last long, all parties are actively launching products and competing for the market. The loan company's credit loan is about 20,000-300,000, with an interest rate of 1.5-3. Some loan companies are often called loan sharks. These products are characterized by fast speed and flexible credit limit, but the cost is hidden in fees and other charges, and the actual loan cost is much higher than the advertised interest rate.

4. Guarantee company credit loans are credit loans provided to customers through bank loans guaranteed by the guarantee company. Generally, it can reach up to 300,000, and the cost model is bank loan interest plus guarantee company guarantee fee. Formal guarantee companies only charge a certain percentage of guarantee fees, excluding interest. This is also the criterion for distinguishing whether a guarantee company is formal or not. P2P lending and financing platform, the amount is not too high, the speed between the loan company and the bank is characterized by the fact that it can be completed through online loan procedures, and can be paid through online banking or Alipay.