Unsecured loan, also called unsecured loan, or credit loan. Do not need any honor

As collateral, you only need proof of identity, proof of income, proof of address and other materials to apply for a loan from the bank. Banks issue loans according to personal credit, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed.

The materials to be prepared for unsecured loans are:

1, the identity certificate of the applicant.

When applying for an unsecured loan, the applicant should prepare personal identity card, marriage certificate (unmarried single certificate, married spouse identity certificate) and so on.

2. Proof of income

Applicants are required to provide bank running water and personal income tax bills for nearly three months, and also need to issue income certificates from their units;

3. Credit history

Unsecured credit loan applicants need to issue personal credit information records to the credit information system of the local people's bank;

4. Proof of residence

Residents of this city need to provide detailed information such as household registration book, foreign residence permit, water and electricity charges for the past three months.