Unsecured loan, also known as unsecured loan credit loan. You don't need any collateral, you only need proof of identity, proof of income, proof of address and other materials (specific proof materials are determined by the bank). The bank applied for a loan from the bank. Banks issue loans according to personal credit status, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their personal situation, and then sign a contract with the bank for guarantee.
Loan application conditions
Generally speaking, it is safer to choose conventional personal unsecured loans, but the requirements for unsecured personal loans are very strict. In fact, there are many conditions for applying for personal unsecured loans from banks. Personal unsecured loans do not need any collateral, so it is safer to handle personal unsecured loans from banks. Formal personal unsecured loan business is mainly handled by banks, loan companies and electronic financial institutions.
I. Requirements
① Unsecured microfinance requires us to have China nationality (excluding Hongkong, Macau and Taiwan Province residents); At the same time, you should be between the ages of 25 and 55; The current residence time is at least 6 months, and the local working time is at least half a year; At the same time, the most important thing is that the credit card repayment record is good and there is no overdue at present. If you are an office worker, you should work in your current unit for 6 months.
(2) First, the applicant fills in the contact information online and sends the relevant information to Xinyi Loan by mail or fax; Second, after the relevant bank receives the applicant's information, there will be a special customer service to contact the applicant; Finally, the applicant will submit the relevant information to the bank for review, and the bank will issue the loan after it has passed the review.
As long as your materials are complete, you can arrive in one day at the earliest.
Second, the opening process
Enterprises apply for loans from banks (enterprises pre-evaluate collateral)
After the approval of the bank, the enterprise signs relevant contracts with the guarantee company and the bank (handling mortgage insurance and mortgage registration).
bank loan
Enterprises repay loans on schedule.
The loan amount is high and the repayment method is independent.
Provide enterprises with unsecured loans with working capital for six months to three years, or mortgage 1 to 10 years.
Acceptable collateral: houses, commercial houses and industrial plants (property rights)
You can choose the loan amount according to your needs.
The term of mortgage loan is 65,438+0 years, which can be recovered within the validity period, and the interest is repaid monthly and the principal is repaid in one lump sum.
Unsecured loans and mortgage loans from 1 to 10 years, with equal repayment of principal and interest.