Yes, you can borrow money according to your work or credit situation and your development potential. In short, it is an unsecured credit loan. Because there are four kinds of loans: credit loans, mortgage loans and secured loans, just one of them. Hengfeng bank, China Merchants Bank, Bank of Ningbo, Industrial and Commercial Bank of China and so on, but the amount you apply for is different.

Moreover, there are two ways to apply for a loan. One is to apply for loans directly from banks or financial institutions, and the other is to apply for loans directly from websites entrusted by banks, such as Easy Loan China website. At the same time, according to your personal situation, the materials you need to prepare are different. 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 products that suit you. This summary introduces various personal loan products of various banks in detail, including application conditions, interest rates, application quotas, etc. Then you can choose to go to the bank or apply directly online.

General website application steps: first submit your personal information and materials to the website-the bank personnel receive your personal information and review it-the bank personnel contact you, ask about your situation, recommend loan products suitable for you-reach an understanding, and the materials you are going to submit-loan review (usually about 2 weeks).

I don't know what kind of loan you want to apply for Let me recommend something you might need first-

(1) Online fast application channel-quickly solve the financial problems of small and medium-sized enterprises and individuals Amount: 0.5-50,000 yuan.

Online application address:

(2) Personal salary loan-a secured loan for personal consumption needs, which is paid to the borrower according to a certain proportion of the borrower's monthly salary income, and his personal salary income is used as the repayment guarantee without guarantee. Amount: 50-200,000 yuan

Online application address:

(3) Personal Credit Easy Loan-Personal Credit Easy Loan, that is, personal unsecured and unsecured credit loans, 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 free services and free professional loan feasibility assessment services. Amount: 80-500,000 yuan

Online application address:

Can I get a loan without mortgage?

Of course. As long as you are willing to use the real estate license as collateral, you can get a loan. The risk is that if the lender fails to repay the loan in time, the lender can auction your house as collateral. Of course, if someone takes your real estate license to get a loan, you have to agree and go through the formalities in person. If someone else just takes your real estate license to get a loan, it won't do. Generally, who will be willing to lend to others with their own real estate license, this must be thought clearly.

According to Article 25 of the General Rules for Loans, if a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.

Supplementary information:

1. Materials to be prepared for handling bank loans:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

8. Other information required by the bank.

Two. Requirements for bank loans:

1, 18 years old, with full capacity for civil conduct, permanent residence of urban residents or legal and valid identification, and the age of the lender required for bank loans is generally between 18-60 years old;

2. Have a stable legal income and the ability to repay interest;

3. Other conditions required by the lending bank.

Three, the program is generally divided into three steps:

1. Basic information submitted by the customer, including work unit and contact telephone number;

2. The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed and small and medium-sized enterprises;

3. The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.

Can the bank handle it?

Banks can handle it, generally referring to credit loans. Now, all major banks have launched their own credit loan products. Borrowers can directly log in to the bank official website to apply for loans online, or they can bring their valid identity documents, income certificates and other materials to the bank's business outlets to apply.

In addition to the traditional four major banks, Internet banking can also be handled. For example, the micro-loan in WeChat Pay /Q wallet is an unsecured micro-credit product launched by Weizhong Bank. It is unsecured and unsecured, as long as it is a micro-loan to invite users to use it. If you want to borrow it, you can see if you can see the entrance of micro-loan in WeChat payment or Q wallet. Micro-loan lending is still very fast, and it supports several days to calculate interest. There is no penalty for prepayment, which is very flexible.

Can an individual borrow money from a bank without a mortgage?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).

Basic conditions for lightning loan application:

1, with China Merchants Bank card;

2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;

3, have the ability to repay the loan on time, no illegal behavior, good credit.

Tips:

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.

3. There are two ways to apply for a loan within the lightning loan limit:

(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.

(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.