Generally, the short-term repayment time of banks is 1 year (including one year), the medium-term repayment time is 1-5 years (including five years), and the long-term repayment time is more than five years. At the same time, you can apply for personal credit loans.

Personal credit loan conditions: female: 22-55 years old, male: 22-60 years old. The loan amount is 80-300,000 yuan.

(1), working in this unit for more than 3 months (after probation)

(2) The monthly income before tax is more than 5,000 yuan (if you have applied for a credit card in the bank and have a bank credit record, you can relax it to more than 3,000 yuan). Generally speaking, if you meet the above conditions, the amount you can borrow is 6-65,438+00 times your monthly salary.

(3) Wages are paid by punching in the bank, not in cash.

(4) issue the salary list printed by the salary bank and the work certificate of the employer.

The above information is that I successfully applied for a personal credit unsecured loan in a loan company named Yin Ji Online Consulting, and finally the bank gave me a loan, which gave me a series of work in selecting bank products in the early stage. Cooperate with many financial institutions, including banks, guarantees, pawns, etc. Major financial institutions display various loan products on this platform, and also see a lot of government-supported related content on the website, which seems more formal to me.