Requirements for unsecured credit loans of banks:
1, 18 years old, with full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificate, 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.
The procedure for handling unsecured loans is usually divided into three steps:
1. The customer submits basic information, including work unit and contact telephone number.
2. The lending bank or company should check the customer's credit information, including whether the customer's credit rating has illegal records. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions.
3. The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.