Personal small short-term loans refer to RMB credit loans with a term of less than 1 year and an amount of less than 300,000 yuan, which do not require guarantees, and are issued by lenders to meet the temporary consumption needs of borrowers.

Requirements for personal small loans Personal credit unsecured small loans: 1. Must have a stable job and source of income. 2. Salaries must be paid through banks. Mortgage loan: The mortgaged real estate must have all three certificates, be less than 20 years old, and have an area of ??no less than 70 square meters. Guaranteed loan: The net assets (real estate) issued by the guarantor are more than double the guarantee amount.

Application conditions 1. Chinese citizens with a fixed residence in China, local urban permanent residence (or valid residence certificate), and full capacity for civil conduct; 2. Have a legitimate occupation and stable economic income (monthly salary income must be more than 1,000 yuan), and have the ability to repay the principal and interest of the loan on time; 3. The borrower's unit must be an administrative, enterprise, or institution recognized by the lender and have a good cooperative relationship with the lender, and must The lender will pay wages on behalf of the borrower; 4. Comply with laws and regulations, and have no illegal behavior or bad credit record; 5. Other conditions stipulated by the lender.