1. To apply for a personal loan, you need to prepare your ID card, marriage certificate, work certificate, income certificate, loan purpose certificate, etc. Everyone in these materials has an ID card, which makes it easy to prove whether you are married or not. Among them, some people are more entangled in workers and income certificates. However, proof of income and proof of work are important materials for applying for personal microfinance, and both of them are indispensable.

2. In addition, the income certificate is not the same as the work certificate, because the income certificate is the monthly bank flow certificate provided by the bank, which has nothing to do with the company; The work certificate is issued by the personnel department of the company. Represents a working population with a stable income.

3. For private shopkeepers who can only provide proof of income but can't provide proof of work, you can go to village committees, offices, tax departments, industrial and commercial departments and other places that can prove your income level. The expected annualized interest rate of the loan is at least 0.75%, and it promises not to charge any intermediary fees. The same amount, the same three-step application, can be quickly matched to the credit manager in one minute. The threshold is lower, the rate is lower and the variety is richer.