Everyone wants to apply for an unsecured loan, so can I borrow from a bank without a mortgage?

Without mortgage, users can borrow money from banks. At this time, users can choose credit loans, but the amount of credit loans is generally determined by the borrower's annual income. Usually, the more income, the higher the loan amount that users can apply for. When handling loans, the loan amount that users give to different groups of people is also different.

Users can consult different banks before handling credit loans, understand the specific conditions for handling credit loans, and finally choose the bank that suits them. Usually, banks with low loan interest rates will be selected for handling, and interest can be paid less after handling in such banks.

When handling a credit loan, the materials generally need to be submitted include personal valid identity certificate, bank flow in the last six months, work certificate, loan application form, etc. After submission, the bank will conduct an audit, and the borrower can only get the loan after passing the bank's audit.

Bank interest-free loan policy in 2020

Many people still don't know much about the interest-free loan policy for banks in 2020, so Bian Xiao will tell you about this issue today.

National interest-free loan application conditions:

People who are not less than 16 years old, have local hukou, are honest and trustworthy, have the desire and conditions to register unemployed people, retired soldiers, landless peasants, disabled people, family members accompanying their families, returning migrant workers, college students (that is, college graduates and college students who have been in  within 5 years after graduation, without household registration requirements), and those who have started small and micro enterprises (including farmers' professional cooperatives) can apply.

Non-local hukou, for urban permanent residents who have lived in the permanent residence for more than 6 months and participated in social insurance for more than 6 months in the local area, can register for employment and unemployment in the permanent residence according to the regulations, and obtain an employment permit, and can enjoy the same secured loan support policy as the registered residents in this city.

How to apply for an interest-free loan

Many people are concerned about how to apply for interest-free loans. Let's take a look at this problem.

Basic conditions for applying for interest-free loans in one's own name

1, age 18 to 45 years old, China citizen with full capacity for civil conduct.

2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

3. Proof. The loan applicant's project requirements already have certain independent ownership. This is an important condition for banks to measure whether to lend, because the loan amount generally does not exceed 70% of the total amount required by the lender for normal production and business activities, and 70% of the total amount required for purchasing (installing or repairing) small equipment and franchising.

4. Settlement account. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan is in line with the relevant national laws and bank credit policies, and it is not allowed to be used for other speculative projects such as equity.

5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should provide banks with some information about their credit status, repayment ability and loans as much as possible, which will increase the credibility of loans and help them get loans smoothly.

6, good reputation, no bad records.

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. If you want to apply, you can consult the local labor department. At present, it has not been determined whether individuals pay interest first, then financial subsidies, or financial interest in advance, but the financial discount is certain.

The above is about interest-free loans, and I hope it will help everyone!