1. The stability of the borrower's work and income. Because personal unsecured loans do not need mortgage and guarantee, and the income of borrowers is the main source of repayment, they should not only have a stable job, but also have good repayment ability.
2. Personal credit record. Personal unsecured loans attach great importance to the integrity of the borrower's past loans and credit card use, that is, to ensure that the borrower can repay in time and effectively during the repayment period, and there will be no excessive overdue and default.
3. The purpose of the loan. If it is durable goods, such as marriage, tourism, decoration and other reasonable consumer demand, the bank's requirements will be more relaxed; However, investment and operating funds are often strictly controlled by banks.
In addition, the borrower's family status and financial income, such as personal unsecured loans from many banks, put forward stricter requirements for the borrower's occupation and industry. For example, some banks require borrowers to be civil servants and employees of Fortune 500 companies, which has a certain impact on the amount of personal unsecured loans.
Development materials: Unsecured personal loans are commercial loans centered on individuals or families. Their main customers are individual industrial and commercial households, small workshops and small business owners. The loan amount is generally below 6,543,800 yuan and above 6,543,800 yuan.
credit terms
Judging from the current actual situation, the basic conditions of microfinance are:
1 and/kloc-Chinese mainland residents over 0/8 years old;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. No bad credit record, and the loan shall not be used for stock trading or gambling.
1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant documents;
3. Provide stable proof of income source, bank statement and labor contract.
procedure
1. Signing the subscription book: the customer signs the subscription book with the real estate development company that signed the contract with the bank, and pays the first purchase business process to the real estate development company;
2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents.
3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;
4. Other legal procedures: the law firm handles insurance, notarization, mortgage registration and collateral filing;
5. Loan issuance: The bank will transfer the loan to the developer's account and notify the customer to start construction and supply.
Our personal unsecured loan will solve the short-term difficult problems and provide you with the most guaranteed service.