Banks can't lend 200,000 unsecured loans, and the longest time for unsecured loans is 3-5 years, which can't be 10 years;

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Requirements for bank loans:

(1) permanent residence of urban residents with full capacity for civil conduct or valid identity documents at the age of 18, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Good credit information;

(4) Other conditions required by the lending bank.

The procedure for handling unsecured loans is usually divided into three steps:

(1) Basic information submitted by the customer, including work unit and contact telephone number.

(2) The lending bank or company should check the credit information of customers, including whether the credit rating of customers has illegal records, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.

(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.