Generally, it takes 3-5 working days for banks to disburse unsecured loans, and the disbursement on the same day cannot be guaranteed. It is generally not possible to apply for a loan with only an ID card. The bank will evaluate the borrower's comprehensive qualifications.

Documents that need to be prepared for the loan:

The written document of the guarantor’s agreement to provide guarantee required for the borrower to obtain the guarantee amount;

The guarantor’s credit certification materials;

An evaluation report of the collateral issued by a socially recognized evaluation department;

Other documents and information specified by the bank;

The original and copy of the borrower’s valid identity document Documents;

Proof of local permanent residence or valid residence status;

The borrower shall provide proof of income issued by the employer, the borrower’s tax bill, and insurance policy;

The borrower obtains the pledge rights, mortgage list and ownership certification documents required for the pledge and mortgage amount. The owner and property*** written document that someone agrees to the pledge and mortgage;

The borrower must pay back It is necessary to provide the payment receipt for the water and electricity property at the company site and the payment receipt for the water and electricity property at the personal address.

Conditions to be met for a loan:

Have a fixed residence in the location of the lending bank, have a permanent residence or valid residence certificate, be under 65 years old (inclusive), and have full civil capacity Chinese citizens;

Have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on time;

Have a good credit record and willingness to repay, and have no bad credit record;

Be able to provide a legal, effective and reliable guarantee recognized by the bank;

Have a clear purpose for the loan, and the purpose of the loan complies with relevant regulations;

Others stipulated by the bank condition.

Loan process:

Submit a loan application;

Loan review;

Sign a loan contract;

Grant bank loans.