For people who have nothing to mortgage, unsecured loans seem to be tailor-made for them. Unsecured loans do not require people to provide houses and cars as collateral, but can apply for loans directly with personal ID cards and income certificates, which makes many people feel that this loan method is very easy to operate. What is the unsecured loan process in Songjiang? We can look at the following introduction. For people who have nothing to mortgage, unsecured loans seem to be tailor-made for them. Unsecured loans do not require people to provide houses and cars as collateral, but can apply for loans directly with personal ID cards and income certificates, which makes many people feel that this loan method is very easy to operate. What is the unsecured loan process in Songjiang? We can look at the following introduction.

What is the unsecured loan process in Songjiang?

Songjiang unsecured loan monthly loan processing flow:

(a) provide a copy of the front and back of the ID card, check the credit report and determine the loan amount.

(2) Bring materials to Songjiang Bank to formally submit an application;

(3) Answer the audit calls of banks in Songjiang and wait for the audit results (basically completed on the same day);

(4) The funds are transferred to the bank account of Songjiang unsecured loan borrower.

What is the interest rate of Songjiang unsecured loan?

(1) The interest rate of Songjiang unsecured loan is determined according to the interest rate stipulated by the People's Bank of China and its floating range, and it is specified in the loan contract.

(2) Songjiang unsecured loan is based on the current commercial interest rate: the loan interest rate for short-term loans (within 6 months) is 4.86%; The loan interest rate from 6 months to 1 year (inclusive) is 5.3 1%; 1-3 years (including 3 years), the medium and long-term loan interest rate is 5.4%; The medium and long-term loan interest rate for 3-5 years (including 5 years) is 5.76%; The medium-and long-term loan interest rate for more than five years is 5.94%.

How to apply for Songjiang unsecured loan?

1. Before I apply for unsecured loan in Songjiang, I need to fill out the loan application form in the bank and submit other forms required for loan application. The bank will conduct a preliminary review. If the bank is approved, Songjiang unsecured loan applicants need to bring relevant information to the bank for approval. After verification, the bank will sign a loan agreement with Songjiang unsecured loan applicants before issuing loan funds.

2. The process of applying for Songjiang unsecured loan is very complicated, and it needs to go back and forth to the bank many times. However, if you are an insider, you can successfully apply for a personal unsecured loan in two or three days by the following methods.

With the development of information age, you can apply for Songjiang unsecured loan online. There are many formal personal credit loan application platforms on the website. No matter unsecured loans, unsecured loans or personal credit loans, you can apply for online loans through the network. Standard Chartered Bank, Citibank, Ping An Bank and many other banks have advantages in personal credit products.

4. Songjiang unsecured loan applicants can fill in the loan application information online. If the borrower's qualification meets the requirements, the loan can be released within 1 working day after the approval of the general bank.

After reading the above series of introductions, everyone has a more comprehensive understanding of what Songjiang unsecured loan process is. Unsecured loans do solve the problem of using money to a certain extent, but the review of unsecured loans is not relaxed. The interest rate of such loans is much higher than that of secured loans. Everyone should have a comprehensive understanding of the interest they need to pay before borrowing money.