Hello, that is, individuals or enterprises can use their credit, income certificates, financial certificates and other information to borrow money from banks without a guarantor. However, the bank's audit is strict, and it is very ideal to get a loan. You can also consider using a loan with money to spend, which is also unsecured, but the data review is simpler and the approval is faster. I hope this answer can help you.

Second, how can people who have nothing borrow money?

Of course.

1. If the borrower has nothing, it is difficult or almost impossible to get a loan in the bank. Because banks will focus on the borrower's repayment ability and credit status when handling loans. No matter which one has problems, it is difficult for the bank to approve it. However, having nothing does not mean that you can't get a loan in any financial institution. It is unlikely to borrow from banks, but you can apply for loans from third-party financial institutions.

Alipay Apple 12, ios 14, Alipay version 10.2.3.

2. There is a loan in Alipay, and you can apply for a loan if the main sesame credit is above 600 points.

"Alipay Loan is a consumer credit product under Ant Microfinance, and users can borrow directly from Alipay. However, to use "borrowing", users need to ensure that their sesame credit score is not less than 600 points. In addition, the longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. The official did not introduce in detail what the loan is, but according to reliable information analysis, Alipay currently has two credit products, namely "personal loan" and "flower garden". After Lending Bao goes online, these three products will inevitably take a differentiated route. In other words, borrowing is also one of Alipay credit products. "

3. Use, also known as unsecured loans, or credit loans. You don't need any collateral, just identification, income proof, address proof and other materials, as well as the loan you applied for from the bank. Banks issue loans according to personal credit conditions, and the 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.

It is a form of loan liability without specific asset guarantee, that is, a loan issued without the guarantee provided by the borrower or a third party according to law.

Third, how can I get a loan without anything?

If you have nothing, you can't apply for a loan in the bank. The bank will definitely not give you money. You need the applicant to be at least 18 years old, with a stable job and income and good personal credit. You can also find a guarantor or guarantee institution as a guarantee, and then apply for a loan from the bank. You must ensure that the guarantor has a good reputation and a relatively strong economic foundation. If you find a guarantee institution, you need to pay a high guarantee fee.