You can apply for a personal unsecured credit loan without mortgaging property;

Required documents for applying for a bank loan:

1. Valid identity document;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank statements;

5 .Proof of income or personal asset status;

6. Credit report;

7. Loan usage plan or statement;

8. Bank requirements of other information.

Required conditions for bank loans:

(1) Applicants who are over 18 years old and have full capacity for civil conduct, urban residents’ permanent residence or legal and valid resident identity certificate, bank loan requirements The borrower's age is generally between 18-60 years old;

(2) Have stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank .

The procedure for unsecured loans is generally divided into three steps:

(1) The customer submits basic information, including work unit and contact number.

(2) The lending bank or company checks the customer's credit information, including whether the customer's credit level has any illegal records. For self-employed individuals and small and medium-sized enterprises, it is also necessary to investigate their business operations.

(3) The staff of the lending unit signs a contract with the customer and implements the loan in the shortest time.