; ? For people who don't have a house or a car with few assets, it is more appropriate to choose unsecured credit loans if they want to apply for loans. However, some people worry that if there is nothing, the loan amount will be very small. This paper will analyze how much unsecured credit loans can be borrowed without anything.

Unsecured credit loans have nothing. How much can I borrow?

Unsecured credit loans, because there is no collateral and guarantor, the maximum will not exceed 200 thousand. Loans are generally used for daily consumption, such as buying durable goods, getting married or traveling, but not for buying a house.

Under normal circumstances, when you apply for a credit loan for the first time, the amount will not be too high, and the initial amount will be different for different loan products. For example, Doudou Money, with an initial amount of 3,000 yuan, is for your use, and the initial loan amount is 500 yuan.

According to the feedback from borrowers of credit loans, it is nothing to apply for unsecured credit loans. The initial loan amount will generally not exceed 65,438+00,000. However, if the borrower continues to borrow from the same platform and has a good repayment record, the loan amount will gradually increase.

Factors determining the amount of unsecured credit loans

Because there is no need for mortgage and guarantee, the risk of credit loan is relatively high, and the loan amount generally depends on the borrower's personal credit and repayment ability.

1, credit status

Credit loans will not require borrowers to provide all kinds of asset certificates, but the requirements for applicants' credit information will be stricter. Most of them need good credit information and have no bad credit records. Some credit loans can be applied as long as there is no serious overdue record.

If the applicant has accumulated a lot of good credit records, the bank can easily judge that the applicant has strong repayment ability and willingness and gives a higher credit line.

2. Solvency

The bank will review the applicant's debt ratio and income status. Applicants with low debt ratio and stable jobs and income sources can get a higher loan amount.

In short, how many unsecured credit loans can be obtained depends on the comprehensive qualification of the borrower and the scope of loan products. The higher the comprehensive score, the higher the loan amount.

Application conditions for unsecured loans

To apply for an unsecured loan, the basic requirements are that the applicant has a stable income and a good personal credit record. For employees who don't go to the bank for monthly income discovery, they can put a certain amount into their bank cards every month before applying for loans. After the money is deposited in the card for a certain period of time (usually about half a year) according to the bank regulations, there will be running water in the personal bank account. As long as the personal credit is good, you can use the running water of the personal bank to go to the bank for unsecured loans. When applying for a loan, the applicant needs to prepare the required materials, including personal identity card, work certificate, income certificate (which can be proved by bank running water) and address certificate. If you can provide social security card, driver's license, education certificate, etc. In the application process, it will help you apply for a loan and increase the loan amount. It should be noted that different banks have different requirements for unsecured loans, especially for personal credit reporting. In the application process, some banks are required to apply for unsecured loans, and they also need to have high-quality personal credit records. For example, large banks such as Industrial and Commercial Bank of China and Bank of Communications require personal credit rating above A before they can apply. Requirements of personal loan for people with relevant knowledge: The borrower is a citizen of China, aged 20-60, with a fixed income and no bad credit record. Loan scope: All parts of the country (1-2-day loan) need no mortgage or guarantee. Loan information: household registration ID card, proof of work income (company seal or financial university is required). Loan amount: 200,000-500,000. Loan time: 65,438+0-6 years. Loan interest: 2% per month. Loan requirements: The borrower is a China citizen and must be a student in order to ensure the safe destination and legal operation of funds. Loan scope: All parts of the country (1-2-day loan) need no mortgage or guarantee. Loan information: ID card, student ID card or student ID card at school, household registration book. Personal loan loan amount: generally not higher than 1 10,000 loan time: 1-3 years loan interest: monthly interest 1.5% (1.5%) to 2.5% (2.5%) loan scope: all over the country (1. Loan requirements: it has a fixed business place, has signed a lease contract, and all business places are in good operating condition with no bad credit record. Loan information: individual business license, tax registration certificate and copy of legal representative's ID card. Loan process: telephone consultation-fax information-approval-signing-successful loan (the day of signing).

Can banks borrow unsecured loans? How much can they borrow?

Banks can not mortgage loans. The loan amount of personal unsecured loans is usually about 10 times of personal monthly income. The maximum amount of unsecured loans is 10 million yuan, but the specific situation needs to be closely related to the local urban economic development level and personal qualifications.

Unsecured loan, also called unsecured loan, or credit loan. You don't need any collateral, just identification, income proof, address proof and other materials, as well as the loan you applied for from the bank. Banks issue loans according to personal credit, and the interest rate is generally slightly higher than that of mortgage loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed.

Definition:

Unsecured loan is a form of loan liability without specific asset guarantee, that is, a loan issued without the guarantee provided by the borrower or a third party according to law. Unsecured loans are also called unsecured loans or credit loans. Unsecured loans do not require any collateral. They only need proof of identity, proof of income, proof of address and other materials (the specific proof depends on what bank they are applying for and the type of unsecured loan) to apply for a loan from a bank. Banks issue loans according to personal credit conditions, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their own specific conditions, and then sign a contract with the bank.

Product features:

1. No mortgage: no real estate mortgage is required;

2. Convenient application: the application procedure is simple and fast, and the application hotline, website, designated acceptance point and fax can be easily applied;

3. Long cycle: choose your own loan period at will, and the longest loan period can reach 36 months;

4. High credit limit: According to the comprehensive evaluation of your income and credit status, the maximum loan limit is 500,000 yuan;

5. Fixed interest rate: The loan has a fixed interest rate, which is not affected by the fluctuation of market interest rate, reducing interest rate risk and enjoying preferential treatment.

Loan classification:

Salary loan: You can apply for personal loan only by providing bank salary passbook or statement, identity certificate and address certificate.

Owner's loan: a loan product specially arranged for owners. As long as you own the property in the city or the property mortgaged by the city, you can easily get a loan.

Student loan: a loan product specially arranged for people with bachelor degree or above. The final loan amount is determined according to income and other conditions.