Also known as unsecured loans, or credit loans. You don't need any collateral, you just need proof of identity, proof of income, proof of address and other materials to apply for a loan from the bank. Banks issue loans according to personal credit, and the expected annualized interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed.
Application conditions
1.22-60 years old;
2. Have China nationality (excluding Hong Kong, Macao and Taiwan residents);
3. Working and living in Beijing;
4. Have a stable occupation with an after-tax income of more than 3,000 yuan;
5. The current unit works for 6 months.
Materials required:
(1) My valid ID card, household registration book and military officer's card.
(2) Credit investigation letter issued by the unit, including professional nature and employee stability.
(3) Personal comprehensive monthly income certificate.
(4) Personal work permit and representative salary record or salary list.
(5) academic certificate and professional title certificate.
(6) Proof of housing conditions such as real estate license or house lease contract.
(7) Marital status and children.
(8) bills or certificates of water, electricity, gas and telephone charges issued by neighborhood committees.
(9) Personal bank card statement for the last six months.
(10) Proof of other financial assets (such as stock delivery notes, savings, personal insurance, funds, national debt, etc.). )
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What are the requirements for unsecured personal loans?
Unsecured and unsecured loan conditions: the borrower has full capacity for civil conduct; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay; And the borrower's credit status is good.
Which loan platform is reliable, with low interest and high pass rate? Loan APP recommended! What are the loan platforms and high quotas that can be used urgently in 2022? Formal loan platforms are fully qualified, and lenders can check whether relevant lending institutions have lending qualifications. Secondly, the formal loan interest is transparent, except for the loan interest, there will be no extra expenses and no beheading.
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1, Baidu Consumer Finance:
Du Xiaoman: Borrowers who often use Baidu products can try this kind of credit loan that urgently needs money. The requirements are not high, 18~55 years old or older, just provide the second-generation ID card and bank card. The daily interest rate is as low as 0.02%, the amount is 500,000 ~ 200,000, and the loan term is 1 ~ 24 months. Loans are flexible and can be repaid as you borrow them.
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2.360 Finance:
360 IOUs: The online loan products of 360 branches are borrowed by credit without mortgage guarantee. Borrowers aged 23-55 only need to provide ID cards and bank cards, and the system can quickly review and collect accounts. The maximum amount is 200,000 yuan, the loan period is 3~ 12 months, and it is supported to be repaid as you borrow.
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3. Ping An Consumer Finance:
Ping An Bank's new loan can provide you with a pure credit loan of1-500,000 yuan. The service period is 12, 24, 36 and 48, and the monthly interest rate is between 1. 1.53%.
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How to handle unsecured personal loans?
Steps: The first step requires us to have China nationality (excluding Hongkong, Macau and Taiwan Province residents); At the same time, you must be at least 25-55 years old; Current address must be 6 months, and local work must be 6 months; At the same time, the most important thing is that the credit card and loan repayment records are good, and there is no overdue at present. Step 2: First, the applicant fills in his contact information online and sends the relevant materials to the relevant bank for loan by mail or fax. Secondly, the relevant bank will have a special customer service to contact the applicant after receiving the applicant's information; Finally, the applicant submits the relevant materials to the door for approval by the bank. After approval, the bank lends money.
What is an unsecured personal loan?
Personal unsecured and unsecured loans, that is, personal unsecured and unsecured credit loans, are popular loan products customized by Easy Loan China for individuals with loan needs all over the country. Personal unsecured loans are also called personal unsecured loans or credit loans. Generally speaking, it is safer to choose a formal individual, and unsecured personal loans are very demanding. In fact, there are many conditions for applying for a bank individual. Application materials 1. Valid identity documents; 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; 6. Other information required by the bank. Application conditions: 1. Have full capacity for civil conduct and be under 50 years of age. 2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce. 3 engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. 4. Good credit standing, law-abiding, and no bad credit and debt records. 5. Having a fixed domicile and business premises in this institution. [1] Loans are characterized by unsecured RMB loans issued by banks to people with stable and continuous wage income, and the monthly wage income is used as the basis for judging the loan amount for personal consumption. In addition to the above-mentioned easy monthly payment, it also has the following three characteristics: low credit value, no need for others to guarantee or mortgage; The procedure is simple, you only need to go to the bank once according to the following information, fill out an application form and fill out a contract; The application materials only need ID card, residence certificate, work certificate, loan purpose certificate and salary record of the last 3 months; The examination and approval is fast, the preliminary examination opinions are fed back in 30 minutes, and the loan funds are received in 3 working days. Handle the formal personal business of institutions, mainly through banks, loan companies and electronic financial institutions. At present, domestic banks with products include Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo. What is an unsecured personal loan? Personal unsecured and unsecured loans seem to need no mortgage and guarantor, but in fact there are many things that need to be reviewed and the procedures are complicated. If you don't need money urgently, you'd better not handle it. If you need to handle related business, you must find a formal financial institution to handle it.