Although many customers say that unsecured loan products can help many people who can't get other loans from banks to get emergency funds, many friends are skeptical and think that there is no such thing as a pie in the sky, and they won't give you money without mortgage. Note that this is not done for nothing. Unsecured loans have interest, and the expected annualized interest rate of loans is generally higher than that of secured loans because of the risks of the products themselves. There are conditions for applying for an unsecured loan. Banks prefer their original high-quality customers because it can greatly reduce the risk of unsecured loans. For ordinary bank customers, it may not be so easy to apply for unsecured loan products.

Banks prefer their original quality customers because it can greatly reduce the risk of unsecured loans. For ordinary bank customers, it may not be so easy to apply for unsecured loan products. In addition, foreign banks seem to be generous and do not need mortgages or guarantees. As long as your salary reaches a certain level, you can borrow money, but you must pay attention to whether the handling fee and management fee are within your tolerance. Although this is not loan interest, it is also loan cost.

Who is suitable for applying for unsecured loans?

As far as Chinese banks are concerned, many banks do not carry out unsecured loan business, and almost all banks that carry out this business aim at the personal consumption market, but most of the customers who can enjoy personal unsecured loans are the original high-quality customers of the banks.

The relatively easy ones are related products of Bank of Beijing and "White Collar Link" in Bank of Ningbo. The related products of Bank of Beijing and Yin Bei Consumer Finance Company belong to the same family, and there is no direct product. The maximum credit limit is five times the salary. After consumption, customers need to provide invoices for more than 80% of consumption purposes. You also need to provide proof of housing. Under the same conditions, married people are more likely to get loans than unmarried people.

Compared with the cautious attitude of Chinese banks, foreign banks are more enthusiastic. Products not only have low thresholds, but also some banks have preferential activities. For example, Standard Chartered Bank, Citigroup, etc. Only when you have a stable income and the income exceeds 3,000 yuan or 4,000 yuan, you need to visit related products. However, customers are required to work in first-tier cities such as Beishangguang, but basically unsecured loans are up to 500,000.

Do you think foreign banks are much more generous than Chinese banks' harsh access conditions? The answer is actually not the case. Although the access conditions of some banks are not high, in fact, if they are only access standards, I am afraid they will not lend much money. In addition, the high fees and management fees of some foreign banks have eclipsed many seemingly glamorous products.