Or unsecured loans or credit loans. because
No collateral is needed, the loan process is simple, and the loan is widely used, which is well received by the masses. It's too personal
What are the conditions? What information do you need to prepare? What are the precautions? The following is for everyone to answer.
I. Application conditions for personal credit loans
1. The borrower has a stable income.
2. Personal credit record is good.
3. The borrower can provide proof of residence, income and work (or can provide a guarantor).
Two, personal credit loan application materials
1. The borrower's valid identity document;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Proof of income or personal assets;
5. Use plan or loan purpose statement;
Three. Matters needing attention in handling credit loans
1. How about your personal credit record?
Unsecured loans are loans that borrowers apply for on the basis of personal credit. Therefore, it is best for borrowers to bring their valid identity documents before making loans and go to the credit department of the local central bank to inquire about personal credit reports. If credit is "stained", it is better to take timely measures to remedy it.
2. Specific requirements for loans
At present, many lending institutions have opened unsecured loans, but different institutions have different requirements for borrowers. For example, some lending institutions require borrowers to earn more than 3 thousand yuan a month to apply for loans; Some lending institutions require borrowers to earn more than 3,000 yuan a month after tax before applying. In addition to personal monthly income, there are differences in working years, loan term, loan amount and loan time, and borrowers must make clear.
3. The cost of the loan
Compared with mortgage loans, unsecured loans cost more because lending institutions need to bear higher risks. Therefore, if the borrower wants to save the loan cost, it is best to shop around.