Let's talk about unsecured:
1, personal unsecured: no collateral is needed, mainly to check the monthly inflow and outflow of your bank card, which generally requires more than 3,500 yuan per month. For personal credit, check the repayment records of loans such as credit cards, mortgages and car loans. If it is overdue within half a year or more than twice, it will be very difficult to do it. The greater the monthly flow, the higher the amount can be brought, but the upper limit of personal unsecured loans is 500,000.
2. The enterprise is unsecured: the enterprise needs one year to publicize and inquire about the credit information of the enterprise lender, and the overdue period cannot exceed three times within one year. Materials to be prepared include business license, tax registration certificate, organization code certificate, financial statements, etc. Enterprises with an annual water demand of more than 5 million can do it. The enterprise loan ceiling is 3 million.
Mortgage loan/securities loan
1. Personal mortgage: the materials are real estate license, household registration book, marriage certificate (divorce certificate) ID card. The property is required to be a large property, and the maximum loan amount does not exceed 70% of the present value of the property. Both husband and wife come forward to sign.
2. Enterprise mortgage: materials include real estate license, household registration book, marriage certificate (divorce certificate), ID card and business license (enterprise-related information). This amount depends on the assets of your enterprise. If the qualification of the enterprise is good enough, the loan amount can reach 100% of the present value of the property. If there are two properties in the name, the property used for loan can be directly loaned in full.