as long as you have a stable income from work and there is no problem with your credit information, you can apply for unsecured bank loans.

To apply for a bank loan, you need to prepare materials:

1. Valid identity documents;

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.

Requirements for bank loans:

(1) A permanent residence of urban residents with full capacity for civil conduct or a legal and valid identity certificate at least 18 years of age, and the lender is required to be between 18 and 6 years of age for bank loans;

(2) have a stable legal income and the ability to repay the interest;

(3) Other conditions required by the lending bank.

The procedures for handling unsecured loans are generally divided into three steps:

(1) The customer submits basic information, including the work unit and contact telephone number.

(2) Lending banks or companies should check the credit information of customers, including whether the credit rating of customers has any illegal records. For self-employed individuals and small and medium-sized enterprises, it is also necessary to investigate their business conditions.

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