Yes, there is contract fraud in Sichuan Jincheng consumption. After many loan customers signed the contract, they would not give you the contract at that time. In addition, the interest promised orally by the salesman is different from the interest on the contract. Complaints can be made through relevant departments in Sichuan, including CBRC 12378 and Beijing Administration for Industry and Commerce 123 15.

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1. How much can I borrow without mortgage?

At present, not only online lending platforms, but also banks have launched unsecured loans. According to the loan amount, there are mainly small unsecured loans and large unsecured loans. In general, the amount of unsecured loans is 6- 10 times of personal monthly income. If the work unit or credit information is good, the amount may be appropriately increased. Generally speaking, the maximum unsecured loan will not exceed 500,000.

2. What will the bank do if the unsecured loan is not repaid?

If you don't repay the unsecured loan, you will receive a text message in the short term. The overdue time is long, and there will be staff to collect it. If it is overdue for more than 90 days, the bank can sue the user. If the user still refuses to repay the loan, the bank can apply to the court for enforcement. Or the user negotiates repayment with the bank to avoid more serious adverse effects.

3. Are unsecured loans and credit loans the same thing?

No, unsecured loans are generally credit loans, and mortgage loans need to be secured by disposable real estate. There are many unsecured loan products to choose from in the process of applying for loans. According to the types of lending institutions, it can be divided into banks and non-bank institutions.

4. Can the loan be repaid in installments?

Loans can be made in installments, and repayment methods can be communicated with banks. The key is to borrow money. If it is a loan to buy a house, some banks can pay a higher down payment, and some can pay in installments. Generally, small and medium-sized loans need collateral, followed by guarantors.

5. Can an unsecured loan be used to buy a house?

Of course. Conditions for banks to apply for loan business:1natural person aged 8 to 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Other conditions stipulated by the bank.

6. What are the conditions for an unsecured loan of 50,000 yuan?

(1) China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

(2) having a legitimate and stable economic income and the ability to repay the principal and interest of the loan on schedule;

(3) Abide by the law and have no illegal acts and bad credit records;

(4) Obtaining the personal credit rating of China Industrial and Commercial Bank with Grade A or above;

⑤ Open a personal settlement account with ICBC;

⑥ Other conditions stipulated by the bank.